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Source: http://twitter.com/CatholicNewsSvc/statuses/241244664685010944
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Friday, August 31, 2012
Franchisees in India | Urban Boater
Franchised operations in India are growing by the day. Getting geographically vast and culturally diverse, India delivers essentially the most favorable franchising environment. Even though firms benefit by possessing many profit making outlets in different parts from the nation, franchisees in India benefit by being able to create great returns with tiny investment and risk involved. Entrepreneurs are generating the most of India?s franchising marketplace and growing economy by becoming productive franchisees. Indian franchisees can now decide on from a plethora of international at the same time as domestic franchising firms. You can find several desirable franchising alternatives available in numerous sectors.
Ever since the franchising boom inside the nineties, there happen to be a lot of good results stories. Franchisees in India helped many organizations grow and establish, while also gaining immensely from their enterprise ventures. Examples of international franchises which have been successful in India contain food and beverages giants including Subway, Mc Donald?s and Kentucky Fried Chicken among others. Indian organizations which have benefited from franchising contain names like Barista, MRF, NIIT and Apollo hospitals amongst other people. It?s not just the bigger firms; smaller international and domestic organizations also appear for franchisees in India. The capital necessary for such ventures will be smaller when compared to very reputed firms. The downside even so, is that the risks are more, given that you can not ride on the reputation wave generated by the reputed businesses.
Depending on your selection of business, you are able to either work from house or from an outdoors place. The initial capital you might need to begin a franchising venture will depend on the type of enterprise and also the franchisor?s requirements. Most home-based franchise options are suited for work-at-home women. Cosmetics, healthcare products, services, house enterprise household merchandise and e-commerce ventures, make for hassle-free however rewarding franchising possibilities. Franchisors give training and support and your business can acquire from the image and professionalism with the franchising organization.
Franchising enables entrepreneurs to have their own company, without many from the risks related using a start-up business. Franchising also delivers you excellent income along with a versatile work style. But, as a possible franchise purchaser, you need to very carefully take into account the finances and risks related, before starting your business. Read Franchise Plus to discover about the rewards, profits and risks related with franchising in India. We enable you to make an informed franchising choice for any successful franchising venture in India.
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Source: http://urbanboater.com/franchisees-in-india-3/
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Aqua-wheelchair performs flips underwater
Sandrine Ceurstemont, editor, New Scientist TV
We've showed you thought-controlled wheelchairs and a design that can dock like a spaceship. But now a new aqua-wheelchair can propel itself underwater, allowing disabled divers to perform acrobatic moves.
Developed by artist Sue Austin with the help of engineers and diving experts, the current prototype uses two dive propulsion vehicles and is steered by a foot-operated acrylic strip and bespoke fin. By placing the thrusters underneath the chair, the force is applied below the centre of gravity, making it easier to do flips in the water. A key challenge was keeping the chair buoyant, but this was achieved using simple swimming floats.
Austin is demonstrating her underwater choreography this week as part of a series of events related to the Paralympic Games, where the audience can join her underwater.
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Thursday, August 30, 2012
Domino's Pizza Opens First Store in Nigeria - Food and Drink Digital
ANN ARBOR, Mich., Aug. 29, 2012 /PRNewswire/ --?Domino's Pizza, the recognized world leader in pizza delivery has opened its first store in Nigeria.??
(Logo: http://photos.prnewswire.com/prnh/20120814/DE55948LOGO-b )
Eat 'N' Go Restaurant Group, the master franchisee for Domino's Pizza Nigeria, is on a mission to become the premier food operator in Africa by bringing affordable food and drink and social responsibility to every market in which they open stores. The Nigerian market presents a great opportunity for Eat 'N' Go to position Domino's into a leading brand within the country.
"We are eager to deliver Domino's Pizza to the people of Nigeria, so that they can experience the delicious, quality pizza that is loved around the world," said Eric Andre, Eat 'N' Go Restaurant Group managing director. ?
"Establishing ourselves in this emerging West African country presents a great opportunity for our business, and continues our global momentum as a brand," said Ritch Allison, Domino's Pizza executive vice president of international. "We have a great operator in Eric ? his knowledge of the business landscape will be instrumental in making Domino's Pizza the leading pizza brand in Nigeria."
Domino's Pizza now operates in over 70 markets worldwide, with more than half of its global retail sales coming from international stores, making up over a third of its adjusted operating income.?
About Domino's Pizza?
Founded in 1960, Domino's Pizza is the recognized world leader in pizza delivery.? Domino's is listed on the NYSE under the symbol "DPZ."? As of the second quarter of 2012, through its global footprint primarily made up of locally-owned and operated franchises, Domino's operated a network of 9,924 franchised and Company-owned stores in the United States and over 70 international markets. During the second quarter of 2012, Domino's had global retail sales of nearly $1.7 billion, comprised of over $808 million domestically and nearly $865 million internationally. Domino's Pizza had global retail sales of over $6.9 billion in 2011, comprised of over $3.4 billion domestically and over $3.5 billion internationally. In May 2011, Pizza Today named Domino's its "Chain of the Year" for the second straight year ? making the company a three-time overall winner, and the first pizza delivery company to receive the honor in back-to-back years. In 2011, Domino's was ranked #1 in Forbes Magazine's "Top 20 Franchises for the Money" list.?
Order - www.dominos.com?
Mobile ? http://mobile.dominos.com?
Info - www.dominosbiz.com?
Twitter - http://twitter.com/dominos?
Facebook - http://www.facebook.com/Dominos?
SOURCE Domino's Pizza
Source: http://www.foodanddrinkdigital.com/press_releases/dominos-pizza-opens-first-store-in-nigeria
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Anthology Magazine | Food + Drink | Edible August by Andrea Gentl
This summer has really flown by; I can?t believe the end of August is upon us! We can?t head out of the season without celebrating summer?s lush beauty one last time, and these images from photographer?Andrea Gentl felt perfect for this occasion.
Andrea?s site?Hungry Ghost Food & Travel is a gem among food blogs. Her styling and photography are stunning, and her images have a richness and texture that remind me of Dutch oil paintings, except her artful compositions include recipes!?These floral scatterings are part of ?August Edibles,? one of Andrea?s series of inspirational Instagram images. They may be quick phone images, but they are just as skillfully composed and visually complex as?her professional work. If you are looking for a rich taste of summer flora, you should check out Andrea?s recipes, images, and inspirations at Hungry Ghost.
Source: http://anthologymag.com/blog3/2012/08/29/edible-august/
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'Books, Antiques and Apples' ? Chateau Cargill Wedding Photography
Michelle and Devon got married in Surrey BC at the Chateau Cargill.
They ?both got ready at their house in Langley, bride on the main floor, and the groom in much cooler basement! Then we went and did photos down the road deep into the property. The mosquitos were vicious, but the photos turned out well.
Then it was off to the chateau. Their entire theme was intricately thought out, from each book being carefully picked to go with the colours, to all the knick-knacks placed on the pillars and throughout the decor.
It was a beautiful wedding, and we were so happy to be able to shoot it.
To see more photos from this wedding please check out our Facebook page.
All photographs taken by Megan Elrick and Jamie Poh of Family Creative. If you?d like to book a consultation for your Vancouver and lower mainland wedding photography, please contact us at 604 544 7900 or email us at info@familycreative.ca
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Wednesday, August 29, 2012
Energy drink makers face NY state probe
(Reuters) - The New York State Attorney General issued subpoenas in July to three firms that make energy drinks, including PepsiCo Inc, seeking information on the companies' marketing and advertising practices, a person familiar with the matter said on Tuesday.
Besides Pepsi, maker of AMP, Attorney General Eric Schneiderman also sent subpoenas to Monster Beverage Corp and Living Essentials LLC, maker of the 5-Hour Energy drink, said the source, who declined to be identified, citing lack of authorization to speak to the media.
A spokeswoman for Schneiderman declined to comment, as did PepsiCo.
Living Essentials also declined to comment beyond its July offering memorandum in which it said that it had recently received an inquiry from a state attorney general asking for documents relating to its product and marketing.
The company said in the memorandum, which was distributed in connection with a debt offering, that it was responding to the inquiry.
Monster also declined to comment beyond its August U.S. Securities and Exchange Commission where it stated that it had received a subpoena from an unspecified state attorney general. Coca-Cola and Dr Pepper Snapple, which make the NOS and Venom energy drinks respectively, said at the time that they did not receive subpoenas.
Schneiderman is examining whether the companies overstated the benefits of ingredients in the drinks while understating the role of caffeine, a common stimulant that industry critics believe to be the main active ingredient, the source said.
At least one Wall Street analyst found comfort in the narrow scope of the subpoenas.
"We think changes to labeling and marketing related to source of stimulant are unlikely to materially impact energy drink sales," Stifel Nicolaus analyst Mark Astrachan wrote in a research note.
Energy drinks, which can have less caffeine per ounce than strong coffee, make up a fast-growing sector of an otherwise stagnant market for carbonated soft drinks.
Monster is the leading U.S. energy drink by volume with nearly 39 percent of the U.S. market, but Austria's Red Bull has the highest share by revenue, due to its premium price.
The latest move on the energy drink industry follows New York City Mayor Michael Bloomberg's plan to propose a far-reaching municipal ban on sales of large-size sugary beverages by restaurants, mobile food carts, movie theaters and delis.
Monster shares were down less than 1 percent at $59.51 in afternoon trade on the Nasdaq. PepsiCo was up 2 cents at $73.19 on the New York Stock Exchange.
(Additional reporting by Joy Ferguson in New York and Sakthi Prasad in Bangalore; Editing by David Holmes and Dan Grebler)
Source: http://news.yahoo.com/energy-drink-makers-face-ny-attorney-general-probe-062144489--sector.html
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Mississippi River flows backwards due to Isaac
ScienceDaily (Aug. 29, 2012) ? Strong winds and storm surge from Hurricane Isaac's landfall forced the Mississippi River to flow backwards for nearly 24 hours on Tuesday, August 28. The USGS streamgage at Belle Chasse, Louisiana, showed the Mississippi River flowing upstream at 182,000 cubic feet per second, surging to 10 feet above than its previous height. Average flow for the Mississippi River at Belle Chase is about 125,000 cfs towards the Gulf of Mexico.
Although it doesn't happen often, hurricanes can cause coastal rivers to reverse flow. Between the extremely strong winds and the massive waves of water pushed by those winds, rivers at regular or low flow are forced backwards until either the normal river-flow or the elevation of the land stop the inflow.
As Hurricane Isaac pushes further inland, it is causing storm surge in the Mississippi River as far north as Baton Rouge, where the river has crested at 8 feet above its prior height.
"This reversal of flow of the mighty Mississippi is but one measure of the extreme force of Isaac," said USGS Director Marcia McNutt. "While such events are ephemeral, they are yet another reminder of why we need to respect hurricane warnings."
When Hurricane Katrina came ashore in 2005, the Mississippi River also reversed flow, cresting at 13 feet above its previous level, with Baton Rouge reaching 9 feet above its previous stage as well.
Another phenomenon that USGS streamgages have recorded as Hurricane Isaac moves inland is that periodically, coastal rivers in Louisiana have lost height, only to gain it back again soon after. This rising and falling of the rivers is a common occurrence during hurricanes and is caused by the spiral nature of these storms.
As the winds sweep to the southwest, they force water out of the rivers, lowering their height. However, once the winds complete their turn to the southwest, they begin back to the northeast, allowing the storm surge to raise the river levels.
These oddities in river behavior are recorded in real-time by USGS' extensive network of streamgages, located through Louisiana and the rest of the country. These streamgages, which are installed along rivers and streams, record data like streamflow, river height, and, in some cases, even water chemistry.
Many transmit their data in real-time to satellites, updating with new information every 15 minutes. This wealth of data allows USGS scientists, emergency managers and responders, and even the general public to have accurate and up-to-date knowledge of what the rivers and streams in their areas are doing. This data is particularly critical during massive flooding events like Hurricane Isaac.
In fact, anyone can sign up to receive notices from USGS streamgages when waters are rising in nearby rivers and streams through a program called WaterAlert (http://water.usgs.gov/wateralert/). It is a free service that allows members of the public to receive notifications about water levels at any of over 7,000 USGS real-time streamgages around the country. Learn more about how to sign up at: http://www.usgs.gov/newsroom/article.asp?from=rss&ID=2919#.UD5HrVI6W7w .
All USGS streamgage information is housed online (http://waterdata.usgs.gov/nwis/rt). For Hurricane Isaac, USGS has compiled a list of all streamgages in affected areas (http://water.usgs.gov/floods/events/2012/isaac/StormTideAndRDG.html).
For the latest forecasts on the storm, listen to NOAA radio. For information on preparing for the storm, visit Ready.gov or Listo.gov
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The above story is reprinted from materials provided by U.S. Geological Survey.
Note: Materials may be edited for content and length. For further information, please contact the source cited above.
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://feeds.sciencedaily.com/~r/sciencedaily/most_popular/~3/N4zFRY8ODe0/120829192423.htm
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Horizon Bank St. Joseph Location | SelectCDRates.com - The ...
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Another week passes and bank CDs experience another of week of sinking yields.? Bank CD rates available nationally fell across all terms for the week ending Aug. 7, 2009.? The rate reduction for this week was mild but impacted all maturities and is a continuation of a protracted slide in CD rates that started in
The gradual loss of value of a building or other property because of age or natural wear. Automobiles in particular depreciate steeply in their first few years. In taxes, this is the deduction you are allowed for the wearing away and expensing over time of such items as office equipment, vehicles, buildings and furniture.
It?s not unusual for your credit card interest rate to jump to 25 or 30 percent if you make a late payment. If you have trouble keeping track of your due dates, consider setting up an automatic payment from your checking account each month.
If you write a check or make a purchase for more than you have in your checking account, your bank may cover the difference. This is still an overdraft, but one where the amount that has drawn the bank accounts below the amount of available of funds in the account is paid by the
Once again, CD interested rates have declined very slightly.? Market reaction to the recurring disturbances over European government debt levels has driven interest rates lower once again.? Most of the deterioration in CD rates was seen in the longer term banks CDs with the short term CDs holding relatively stable. Overall, CD interest rates were reduced
Questions regarding domestic economic growth, along with the daily updates on troubled finances in Europe, have pushed interest rates up and down over the past two weeks with a bias towards the downside.? For the week ending June 15, 2012 mortgage rates moved right back down again after showing a slight elevation in the week
BankIowa opened in 1921 as Farmers State Savings Bank in Iowa.? In June of 1998, Farmers State Savings Bank changed its name to BankIowa.? The bank presently has ten branches in seven Iowa communities.? The branches are located in Cedar Falls, Cedar Rapids, Independence, Jesup, Lamont, Norway and Waterloo Iowa.? BankIowa is an independent and locally
Bank CD interest rates were essentially unchanged this past week while mortgage rates and Treasury rates moved markedly higher.? Based on the most recent survey of bank rates performed by Selectcdrates.com, the average interest rate in the CD rate index slipped by just 2/1000ths of a percent while the average 30 year mortgage rate available
An individual or financial institution that lends money with the expectation that the money will be returned with interest.
If you closed the account before the bank credited accrued interest, generally that interest is not paid out, this is known as forfeiture of interest. However, the bank must disclose this policy in the account agreement you received when you opened the account. Review your account agreement to verify your banks policy.
Switching bank accounts is common event. Perhaps you are moving, making financial changes such as a new job or investments, or just unhappy with your current bank. Once you find out what kind of account you would like to set-up, do your research. If you?re looking for a high CD rate, then
A term that means, by day. Generally used to describe the daily charge of interest on a credit or debit account. Per diem can be used to describe more that just the daily interest.
A check written by a depositor that has not yet been presented for payment to or paid by the depositor?s bank.
Mother Lode Bank is based in Sonora, California.? It is a locally owned and operated bank.? Mother Lode Bank opened for business on July 30, 2004.? Mother lode Bank has two bank branches in Sonora and a loan production office located in Murphys, California.? The bank offers a number of deposit products including checking accounts,
Yes. The bank where you have your CD should have sent you Form 1099-INT stating how much interest you earned last year. A duplicate will have been sent to the IRS so the government knows about your interest earnings. If you didn?t receive one give the bank a call.
Citibank branch locations in Maryland.? Bank directory lists Citibank offices alphabetically by city in Maryland.? Find bank branches and bank services in Maryland for all Citibank locations with complete bank address for each location.? Citibank, National Association 6 St. Paul Street Baltimore, MD? 21202 Citibank, National Association 8001 Wisconsin Avenue Bethesda, MD? 20814 Citibank, National Association 12172 Central Ave Bowie, MD? 20721 Citibank, National Association 6500
Business costs paid from a fund?s assets before earnings are distributed to shareholders. These include management fees and 12b-1 fees and other expenses.
A specialist employed by a mutual fund?s adviser to invest the fund?s assets in accordance with predetermined investment objectives.
Oneida Savings was established on April 1, 1866.? The bank is a community bank engaged primarily in the business of accepting deposits from customers and using those deposits, together with funds generated from operations and borrowing proceeds, to make one- to four-family residential and commercial real estate loans, commercial business loans, consumer loans and to
Bank of Charles Town started in banking shortly after the civil war in 1871.? The bank has now been built up to $293,907,000 in total assets of September 2008.? During our present time of significant banking losses, Bank of Charles Town managed to earn a net operating profit of $2,196,000 through the first 9 months
Source: http://www.selectcdrates.com/horizon-bank-st-joseph-location/
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Tuesday, August 28, 2012
Marketing your content on the web | Johnny Da Silva
Did you know that you don?t have to focus on just publishing content on your owned media channels such as your blog or your website? Publishing interesting content off site?can also play a big role in building awareness for your marketing campaign.
To get the best results from your marketing initiative, use a combination of online and off site content marketing strategies. Where are you going to publish your this content? Find below a couple of tips to help you get started with publishing your content off of your owned media channels.
Relevant blogs: It is important that you publish new blog posts on your own blog as often as you can, but don?t be scared to start with a guest blogging campaign as well. Write a couple of guest blog posts that you can publish on other blogs related to your market. Most people will allow you to add your bio and a link back to your blog from the guest blog post.
Social media channels: Publishing your content on the social media channels that you are using is another great way to spread your message. Use popular channels like Facebook, Twitter, LinkedIn, Google+, YouTube, and even Pinterest. Share your content, engage with the community, and start building your network.
Review channels: There are many review websites like Yelp and Amazon that you can use as a way to get your customers talking about you. Every positive review you get for your services or products is another way to add credibility to your business name.
Content directories: Not all the content directories online are the same. In fact, most of the top content directories took a blow with the recent Google Algorithm updates. Some of them are still valuable and can put your website right in the middle of the spotlight when you publish your content on these.
Think about all the online channels you can publish your content with your content marketing strategy. This is a great way you can use to build great content that drives targeted traffic back your business online.
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Neil Armstrong, first man on moon, dies at 82
Apollo 11 commander held true to his engineering roots
Web edition : Monday, August 27th, 2012
Neil Armstrong landed and walked on the moon, the first of just a dozen men to do so. He died in Ohio on August 25, at age 82.
?Houston, Tranquility Base here,? he told NASA?s mission control after piloting the Apollo 11 lunar module to the surface on July 20, 1969. ?The Eagle has landed.?
Six and a half hours later, Armstrong climbed down the spacecraft?s ladder and stood for a moment on one of its saucer-shaped footpads. Then he stepped lightly to the left and into the lunar dust. ?That?s one small step for a man, one giant leap for mankind,? he said to hundreds of millions of people watching the live television broadcast. (The ?a? in his comment was not audible to those on Earth, but Armstrong later insisted he said it, and a 2006 audio analysis supported him.)
Armstrong?s life was forever defined by that day, but he defined himself foremost as an engineer. He once called himself ?a white-socks, pocket-protector, nerdy engineer ? born under the second law of thermodynamics, steeped in the steam tables, in love with free-body diagrams, transformed by Laplace and propelled by compressible flow.?
Armstrong was born and grew up in Wapakoneta, Ohio, where he worked odd jobs to pay for flying lessons and earned his student pilot?s license on his sixteenth birthday. With a U.S. Navy scholarship he went on to study aeronautical engineering at Purdue University and then earn a master?s in aerospace engineering from the University of Southern California. Armstrong flew 78 combat missions for the Navy during the Korean War.
In 1955 he joined the National Advisory Committee for Aeronautics, the predecessor to NASA, as a test pilot. Seven years later he joined NASA?s second astronaut class and got the job of piloting the 1966 Gemini 8 mission, the first rendezvous between two spacecraft. In orbit a thruster malfunctioned, sending the docked spacecraft into a nauseating spin. Armstrong disengaged from the second craft and got Gemini under control for a safe return to Earth.
Those nerves of steel ? and experience flying more than 200 kinds of aircraft ? came in handy many times during Armstrong?s career.
NASA assigned him to be commander of Apollo 11, the first attempted moon landing. While Michael Collins orbited overhead, Armstrong and Edwin ?Buzz? Aldrin descended to the surface in the lunar module. Armstrong, though, saw that the computer was taking them towards a boulder-strewn landing site; he overrode the computer?s instructions and piloted the module down with just seconds of propellant left to spare.
?You got a bunch of guys about to turn blue,? mission control told him. ?We are breathing again. Thanks a lot.?
Armstrong and Aldrin roamed the lunar surface for more than two hours, picking up 46 pounds of rocks and soil and leaving behind a seismometer, an American flag and other mementos. On returning to earth, they and Collins spent three weeks in quarantine in case they had brought back any extraterrestrial microbes.
After Apollo, Armstrong worked at a NASA desk job, then retired from the agency in 1971. He returned to Ohio and taught aerospace engineering at the University of Cincinnati for eight years, then worked in the aerospace business. Armstrong continued to serve on various policy committees, including NASA?s panel investigating the 1986 explosion of the space shuttle Challenger and a National Academy of Engineering group on the greatest engineering achievements of the 20th century.
After 1972?s Apollo 17 became the last NASA mission to carry moonwalkers, Armstrong wanted the agency to return astronauts to the moon. In 2008, for NASA?s 50th anniversary, he told an audience that ?the goal is far more than just going faster and higher and further. Our goal ? indeed our responsibility ? is to develop new options for future generations: options in expanding human knowledge, exploration, human settlements and resource development, outside in the universe around us.?
NASA currently has no way to get astronauts to the moon even if it wanted to. The agency is developing a heavy-lift rocket with an eye to sending astronauts to Mars someday.
Armstrong died ?following complications resulting from cardiovascular procedures,? according to a statement from his family. He had undergone quadruple bypass heart surgery in the weeks before his death.
Armstrong?s family asked the public to ?honor his example of service, accomplishment and modesty.? As well as one more thing: ?The next time you walk outside on a clear night and see the moon smiling down at you, think of Neil Armstrong and give him a wink.?Found in: Atom & Cosmos and Science & Society
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Columbia Bank Voorhees Twp Location | SelectCDRates.com - The ...
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Traveling abroad takes planning. As you plan, remember to consider the financial tools you will need for your trip. Carrying large amounts of cash from home is risky. It?s safer to take credit cards and rely on ATM withdrawals for the cash you need. The U.S. State Department recommends taking two major credit cards, one as
The area in a bank where checks are processed, paid, withdrawals and deposits are posted and interested earned on accounts is credited to those accounts.
Unfortunately, no. While all banks are subject to the same maximum hold periods established by law and the rules issued by the Fed, each bank may make deposits available sooner. Each bank determines what its policy will be. It can make all of the funds available immediately or delay availability up to
A high yield certificate of deposit account should be just one segment of an overall financial portfolio.? However, selecting the right bank CD should not be looked at with little regard for risk and reward.? Bank certificates of deposit always provide safety and security as well as a predictable rate of return.? When the stock market
You must consider the transaction costs involved in any investment type.? Most bank accounts such as savings accounts, money market accounts and certificates of deposit do not have charges to open the account.? For most investment accounts,?the costs are commissions but transaction costs can also be the fees on a bank account or the charges
Even as the stock market began to regain its footing, bank rates led by mortgage rates and CD interest rates continued to move lower.? After falling measurably for the week ending August 8th, another week of stock market and credit market mayhem led to another significant decrease in mortgage rates, CD interest rates and savings
Wedbush Bank opened for business in 2008.? The bank is headquartered in Los Angeles, California.? Wedbush Bank is a wholly owned subsidiary of WEDBUSH, Inc.? Wedbush Bank has been FDIC insured since February 29, 2008.? The bank is chartered as a Savings Association.? Therefore the primary regulator is the Office of Thrift Supervision (OTS).? Wedbush Bank
Bank of Lake Mills is a private, state chartered bank located in Lake Mills, WI.? Bank of Lake Mills offers a full line of bank products and services to the community.? The bank offers checking accounts, savings accounts, money market accounts, CDs, personal loans, automobile loans both new and used, business loans, farm loans as
An agreement in which advanced credit, plus any finance charges, are expected to be repaid in full over a definite time. Most real estate and automobile loans are closed-end agreements.
A summary of all transactions that occurred over the preceding month and could be associated with a deposit account or a credit card account.
Kopernik Federal Bank, established in 1924, is a community bank providing personal service to the citizens of Maryland.? The bank offers competitive loan rates and savings rates from its one location in Baltimore.? Kopernik Federal offers an array of loan and savings plans to match an assortment of consumer needs.? The bank?s federally insured certificate of
Technically, the Treasury yield curve can change in various ways: it can move up or down (a parallel shift), become flatter or steeper (a shift in slope), or become more or less humped in the middle (a change in curvature). v Consider three elements of this curve. First, it shows nominal interest rates. Inflation will erode
Demand Deposit Account ? a traditional checking account that does not earn interest.
From day to day, the amount of reserves a bank wants to hold may change as its deposits and transactions change. When a depositor writes a check against his account, that bank must surrender that amount in reserves to the payee?s bank for the check to clear. Reserves are constantly moving from one
Collective term for mechanisms (both paper-backed and electronic) for moving funds, payments, and money among financial institutions throughout the nation. The Federal Reserve plays a major role in the nations payments system through distribution of currency and coin, processing of checks, electronic transfer of funds, and the operation of automated clearinghouses that transfer funds
A checking account associated with a line of credit that allows a person to write checks for more than the actual balance in the account, generally with a finance charge on the overdraft.
Deposits held in financial institutions that are guaranteed by the Federal Deposit Insurance Corporation (FDIC) against loss due to bank failure.
Chevy Chase Bank offers over two hundred bank branch locations and more than 1,000 ATMs.? Chevy Chase Bank has bank branches in Maryland, Washington, D.C., Virginia and Delaware.? Chevy Chase Bank was acquired by and became a wholly owned subsidiary of Capital One Financial Corporation.? The combined banking?organization has approximately 1,000 bank? branches and over
A checking account is a simple demand deposit account that has very few strings attached.? It?s your money and you can write checks and withdraw your funds on demand without penalty.? Very convenient for the consumer but offers little in the way of yield or rate of return.? Use these accounts for the service they
These are CD rates not just in the sunshine state but CD rates at Sunshine State Community Bank.? Sunshine State Community Bank has been FDIC insured since July 24, 2000.? Sunshine State Community Bank has five bank branches located in Florida.? The bank is chartered as a Federal Reserve Non-member bank.? Therefore the primary regulator
Source: http://www.selectcdrates.com/columbia-bank-voorhees-twp-location/
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Monday, August 27, 2012
Japan takes LLWS title, beats Tenn. 12-2
SOUTH WILLIAMSPORT, Pa. (AP) ? Arms outstretched in the air with a smile from ear-to-ear, Noriatsu Osaka couldn't contain his glee.
Neither could his teammates from Tokyo after Osaka's third home run of the game put an exclamation point on Japan's 12-2 victory over Tennessee in five innings in the Little League World Series title game Sunday.
The 12-year-old Osaka added a triple for good measure, too, to top off his 4-for-4 afternoon. In a symbolic gesture, Japan's players jogged the traditional postgame victory lap carrying the flags for both their home country and the United States.
"We had such a great time in Pennsylvania and we really played a good game today. It was kind of a, 'Thanks,'" Osaka said through an interpreter.
Starter Kotaro Kiyomiya struck out eight in four innings and added an RBI single for Japan. The game ended in the fifth after Osaka's third homer made it a 10-run game.
"We thought we played the best in the tournament so far, especially to win by the 10-run rule in the finals," said 12-year-old Rintaro Hirano, who homered in the fourth to make it 10-1.
A day after pounding out a 24-16 win over California in the U.S. title game, the Goodlettsville, Tenn., sluggers could only muster two hits ? solo shots by Brock Myers and Lorenzo Butler.
It was a bittersweet final game for two teams that grew close during their two weeks in South Williamsport. They exchanged customary postgame handshakes at the plate before Japan received the World Series championship banner and took their warning-track run.
"Tennessee was our best friends in the U.S. division," Kiyomiya said.
Japan's jog finally stopped in front of the team's giddy cheering section as proud family members and friends stood shoulder-to-shoulder to take pictures through the infield fence.
There were so many highlights, including five home runs off Tennessee pitching.
That was more than enough offense for 13-year-old ace Kiyomiya, who had a fastball clocked in the high-70s, The right-hander with the hitch in mid-delivery pitched like a big-league ace in allowing just one hit.
Regardless, this is still a banner year for Goodlettsville after its exhausting victory Saturday over Petaluma, Calif., for the U.S. championship. That game set a record for most combined runs in the World Series.
The thrilling victory kept the Tennessee players and their families up late into the night.
"(The parents) must have partied harder than the kids did," manager Joey Hale said. "I knew we'd be flat today."
Tennessee lost a 10-run lead in the bottom of the sixth of that game before scoring nine times the next inning to finally put away Petaluma in a Little League classic. Even more impressively, Butler had three homers and a record nine RBIs ? a feat so unique the 12-year-old's name became a trending topic on Twitter.
Butler went deep again off reliever Osaka in the fifth ? Butler's fourth homer in two days ? to cut the lead to 10-2 and give Goodlettsvile some home hope. Tennessee's mini-mashers have proven they can break out any time at the plate.
"It feels really good and it was really great," Butler said simply about his hitting exploits. He said his three homers Saturday were the longest he had hit all season.
Its pitching depth sapped, Tennessee turned to right-hander Justin Smith to start against Japan ? the first time the 12-year-old had pitched in the World Series or in Southeast regional tournament.
"Everybody knew our pitching was depleted and we were bound for a letdown," Hale said. "I'm not saying we were going to beat Japan. I think they were the best team here at everything by far, pitching, hitting. But I think last night is how we want to be remembered."
Leadoff hitter Osaka, 12, didn't waste any time with a first-pitch triple to the right-field corner in the first. Kiyomiya delivered his RBI single two batters later to get the scoring started.
Osaka then homered in the second to left-center, just in front of the "Little League" sign above the fence, before leading off the fourth with his second homer, this time to center, for a 6-1 lead.
The Kitasuna league all-star team from Tokyo won Japan's eighth Little League title and second in three seasons.
While his players danced around in delight after the game, skipper Yoichi Kubo teared up. He kept his composure after managing a team that won the World Series in 2001, "but I was crying this time when we won this game as world champion," he said.
Smith pitched admirably in a tough spot, allowing five runs and seven hits over three innings while striking out three. His team was trying to make history as the first squad from Tennessee to win youth baseball's biggest prize.
Goodlettsville also was the first Tennessee team to advance to South Williamsport since Morristown in 1987. The suburban Nashville crew counts among its fans Rays ace David Price, who is from Murfreesboro.
They might be done with baseball for now, but the celebration is just beginning back home. On Tennessee's social calendar is a visit to the Vanderbilt season opener Thursday night against South Carolina.
"When we get home, it's going to be a carnival," Hale said.
Source: http://news.yahoo.com/japan-takes-llws-title-beats-tenn-12-2-212225745--mlb.html
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Quake hits off El Salvador; tsunami warning canceled
By NBC News wire reports
Updated at 2:56 a.m. ET: A strong magnitude-7.4 earthquake struck off the coast of El Salvador late Sunday, temporarily sparking a tsunami warning.
The earthquake was followed an hour later by a second, magnitude-5.4 temblor, authorities said.
However, the tsunami warning covering Costa Rica, Nicaragua, El Salvador, Honduras, Guatemala, Panama and Mexico was later canceled.?
There were no immediate reports of damages or injuries.
David Walsh, an oceanographer with the Pacific Tsunami Center in Ewa Beach, Hawaii, said a minor, 7.8-inch swell was registered off Acajutla, El?Salvador.
The earthquake struck 74 miles south of Usulutan, El Salvador, the U.S. Geological Survey reported on its website.
The temblor took place at a depth of 32.9 miles at 10:37 p.m. Sunday.
On Sunday, dozens of small to moderate earthquakes struck southeastern California, knocking trailer homes off their foundations and shattering windows in a small farming town east of San Diego. The largest quake registered at a magnitude 5.5 and was centered about three miles (five kilometers) northwest of the town of Brawley, according to the USGS. Another quake about an hour and a half earlier registered at magnitude 5.3. No injuries were reported.
The Associated Press and Reuters contributed to this report.
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Military hopes nasal spray will prevent suicides
By Rebecca Ruiz, NBC News
The military is seeing unprecedented mental illness and suicide in its ranks, and is funding research to treat depression and prevent the most tragic of outcomes.
In July, a report released by the military found that mental health disorders in active-duty troops increased 65 percent since 2000. Of the more than 900,000 diagnoses, about 85 percent included cases of adjustment disorders, depression, alcohol abuse and anxiety. This month, the Army reported 38 suspected suicides among active-duty and reserve soldiers in July, the highest monthly number of suicides since record-keeping began a few years ago.?
Col. Carl Castro, director of the Military Operational Medicine Research Program, told NBC News that the military is "leaving no stone unturned" in its hunt to find evidence-based treatments for depression and suicide. Included in its multimillion dollar research portfolio is a grant to evaluate whether a nasal spray using a fast-acting hormone could alleviate symptoms of both depression and suicidal behavior.
Related: Mental health disorders among troops increased 65 percent since 2000
The $2.9 million grant will support a three-year development and testing period that will ideally culminate in seeking Food and Drug Administration approval for the medication and delivery device. The grant was awarded in April to Dr. Michael Kubek, a professor of neurobiology at Indiana University.?
Kubek will research the use of Thyrotropin-Releasing hormone (TRH), which is known to act rapidly in relieving depression and suicidal behavior. However, its effects are short-term and the hormone has difficulty crossing the blood-brain barrier. Kubek is aiming to load up nanoparticles with TRH and then deliver them via the nasal spray, which could lengthen the drug's effectiveness and overcome the challenges of getting past the blood-brain barrier.
The military is hopeful that the spray will provide a treatment for the period between when a patient is first diagnosed for depression or suicidal thoughts and when typical anti-depressants become fully effective, which can take three to six weeks.
The clinical trial will compare a few hundred patients split into two groups: one receiving the nasal spray and another getting a similar drug used to treat suicidal behavior and depression. The idea, Castro said, is to determine not only if the spray works, but if it is more effective than current drug therapies. The study will look at whether or not the drug decreases depression and suicidal thoughts.
Should the drug prove effective, Castro said a realistic timeline for putting it in a soldier's hands would be five to eight years to account for possible setbacks and additional studies.
The research is part of a $100 million ?effort to study psychological and mental illness in the Army. Half of that funding is for Army STARRS (Study To Assess Risk and Resilience in Servicemembers), an initiative done in partnership with the National Institute of Mental Health to gather details about the lives and mental health of 55,000 soldiers. The Army hopes that the epidemiological study may eventually identify groups of soldiers whose mental health is most fragile based on an algorithm or formula of factors.
Related: Army program aims to predict soldiers' resiliency
The Army has allocated $18 million for 12 studies looking at treatment for depression and suicidal thoughts. The nasal spray study is the only one in the Army's portfolio to test a drug.?
Despite the fact that suicide ranks in the top 10 leading causes of death in the U.S. ? 36,909 people died by suicide in 2009 according to the latest available figures???clinicians still don't have a set of evidence-based standards for how to effectively treat suicidal patients. Instead, they rely often on a combination of medication and therapy that has shown promise, but has varying degrees of success.
The urgency to find a treatment has become critically important to the military as it searches for answers to its own suicide epidemic.
"We have no real explanation for why they're happening," Castro said of military suicides. The goal, he said, is to base treatment on science as opposed to "medical hunches."
The time it takes to design and execute a study can be frustrating to those waiting for an effective treatment, but Castro said, "at least at the end of the day, we'll know if something does work."
Rebecca Ruiz is a reporter at NBC News and a 2011-2012 Rosalynn Carter Mental Health Journalism Fellow. Follow her on Twitter here.
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Sunday, August 26, 2012
Bootleggers take the big screen in 'Lawless'
By Gael Fashingbauer Cooper, NBC News
The summer entertainment is quieting down, but Shia LaBeouf's bootlegger film, "Lawless," still looks like it might be worth drinking up. And if you're into pirates or zombies, this is a good DVD/Blu-ray week for you.
TUESDAY: 'The Pirates! Band of Misfits'
No, not those pirates -- not the Caribbean, black-eyeliner-addicted Johnny Depp variety. "The Pirates! Band of Misfits" is an animated comedy done in Wallace and Gromit stop-motion style, with Hugh Grant?as the bumbling?pirate captain and Imelda Staunton, Jeremy Piven, Salma Hayek and others also lending their voices. The New Yorker's review?called the action "beautifully staged, delightful and exciting." (Out on DVD and Blu-ray Aug. 28.)
TUESDAY: 'Walking Dead' second season
"The Walking Dead" are still walking, and decaying, and eating, and getting shot all to heck by our scrappy band of survivors in AMC's hit gross-out horror series "The Walking Dead." The second season hits DVD and Blu-ray this week. Yes, this is the season where we finally find out what happens to Sophia -- although many fans burned out on caring about her well before the show did. The third season premieres Oct. 14, so rent or buy this season now to ensure you're all caught up for more zombie madness in the fall. (Out on DVD and Blu-ray Aug. 28.)
FRIDAY: 'Lawless'
Today, when you can buy liquor just about anywhere, it's hard to imagine those long-ago Prohibition days, when alcohol was made secretly in bathtubs and hidden farmhouses, and anyone taking a drink was breaking the law of the land. In "Lawless," Shia LaBeouf and?Tom Hardy?play Depression-era bootleggers whose illegal profession wraps them in a blanket of danger, especially when corrupt cops want a sip of the profits. Jessica Chastain, Mia Wasikowska and Guy Pearce also star. (Opens Aug. 31.)
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16 Movies To Watch This Fall | People's Critic: Film Reviews ...
It?s that time of the year again when the days get shorter, kids go back to school, and football dominates the weekend. It?s also time for a new crop of movies to dominate the theaters from September-December. 2012 has been a fantastic year for film, but we aren?t finished yet.
This Fall we?ve got Hobbits, time traveling hitmen, more Lincoln, a disgruntled video game character, and the return of 007. Here are those plus a few other films to put on your calendar.
*All synopsis are courtesy of IMDB*
Looper
Starring: Joseph Gordon-Levitt, Bruce Willis, Emily Blunt, Jeff Daniels
Director: Rian Johnson
Synopsis: In 2072, when the mob wants to get rid of someone, the target is sent 30 years into the past, where a hired gun awaits. Someone like Joe, who one day learns the mob wants to ?close the loop? by transporting back Joe?s future self.
Why I?m Excited: Outside of Lebron James, Joseph Gordon Levitt is having the best year ever. Looper follows JGL?s outstanding performance in The Dark Knight Rises and we?ll see him later this fall in Steven Spielberg?s Lincoln. All he?s missing is an Olympic gold medal.
Looper teams JGL with Bruce Willis (my action hero dad), sci-fi, time travel, and the beautiful Emily Blunt ? that?s a recipe for awesome. If that?s not enough for you, the trailer has enough special effects eye candy to wow any moviegoer. I can?t wait.
9/28
The Master
Starring: Joaquin Phoenix, Phillip Seymour Hoffman, Amy Adams
Director: Paul Thomas Anderson
Synopsis: A Naval veteran arrives home from war unsettled and uncertain of his future ? until he is tantalized by The Cause and its charismatic leader.
Why I?m Excited: The Master had a buzz since its preproduction stage due to its similarities with Scientology. Paul Thomas Anderson & Co. have insisted The Master is not about Scientology, but that hasn?t stopped people from speculating.
It?s good to see Joaquin Phoenix back acting after his bizarre documentary I?m Still Here. Phoenix is still a superb actor and looks to be bringing his ?A? game in The Master. I?m hoping Hoffman?s performance is somewhere between Owen Davian in MI:3 and Andy in Before the Devil Knows You?re Dead. That would make me happy. Very happy. Scientology parallels aside, The Master looks delightfully creepy.
9/14
Brooklyn Brothers Beat the Best
Starring: Ryan O?Nan, Michael Weston, Ariell Kebbel
Director: Ryan O?Nan
Synopsis: A singer-songwriter hits the road with a self-appointed music revolutionary.
Why I?m Excited: Ryan O?Nan wrote, directed, and stars in this comedy about two musicians. Anytime you can mix comedy and music, I?m all in. The quirky/awkward jokes mixed with heartwarming songs should make for a fun film. With all the serious Oscar worthy films, Brooklyn Brothers looks like the perfect change-of-pace film for the fall.
9/21
Argo
Starring: Ben Affleck, Alan Arkin, John Goodman, and Bryan Cranston
Director: Ben Affleck
Synopsis: As the Iranian revolution reaches a boiling point, a CIA ?exfiltration? specialist concocts a risky plan to free six Americans who have found shelter at the home of the Canadian ambassador.
Why I?m Excited: A few months ago I talked to someone who I?ll refer to as ?Movie Person Who Sees Movies Early?. When I asked what movie they saw that I should be excited for their response was, ?Argo?.
Ben Affleck may have found his calling as a director. So far his directorial resume includes Gone Baby Gone and The Town. Not too shabby if you ask me. I almost able to forgive him for Daredevil and Gigli. Also, I?m in on any film that?s based on a top secret story from the 1970?s. It?s a history lesson and a spy story all wrapped in one.
10/12
Taken 2
Starring: Liam Neeson, Famke Janssen, Maggie Grace, Rade Sherbedgia
Director: Oliver Megaton
Synopsis: In Istanbul, retired CIA operative Bryan Mills and his wife are taken hostage by the father of a kidnapper Mills killed while rescuing his daughter.
Why I?m Excited: Bryan Mills is back! He?ll be shooting, killing, talking to people in a low voice, and giving his daughter instructions. Taken was such a great movie, I wouldn?t mind sitting through it again. I?ll watch Liam Neeson in anything that doesn?t involve the words ?Wrath? or ?Titans?. Will Taken 2 be as good as the first? I doubt it. Will it be incredibly entertaining? Yes! Yes! Yes!
10/5
Killing Them Softly
Starring: Brad Pitt, Ray Liotta, and Richard Jenkins
Director: Andrew Dominik
Synopsis: Jackie Cogan is a professional enforcer who investigates a heist that went down during a mob-protected poker game.
Why I?m Excited: The gritty trailer with Brad Pitt and his shotgun makes the film look fascinating. To be honest, that?s all I really needed to see. There?s already rumblings about how good this movie is. The Academy may have to make room for this thriller
10/19
Life of Pi
Starring: Suraj Sharma, irrfan Khan, Adil Hussain
Director: Ang Lee
Synopsis: The story of an Indian boy named Pi, a zookeeper?s son who finds himself in the company of a hyena, zebra, orangutan, and a Bengal tiger after a shipwreck sets them adrift in the Pacific Ocean.
Why I?m Excited: It looks like critically acclaimed director Ang Lee is back in his sweet spot with Life of Pi. The film adaptation of the 2001 novel looks like the most visually stunning film of the year. The film Ang Lee once thought was ?unmakeable? is now a reality. The visual effects and gripping story about a boy lost at sea will be enough to get me in the theaters. And I?m secretly hoping for a 3D Bengal tiger attack.
11/21
Wreck-It Ralph
Starring: John C. Reilly, Jack McBrayer, Jayne Lynch, Sarah Silverman
Director: Rich Moore
Synopsis: The bad-guy character in a classic game who longs to be a hero brings trouble to his entire arcade after sneaking into a new first-person shooter game and unleashing a deadly enemy.
Why I?m Exited: You know who?s more excited than me? 11 year old me. He?s pumped and telling people Wreck-It Ralph is his favorite movie. The who?s-who of video games in the hands of Rich Moore (Simpsons, Futurama) has the potential to be hilariously entertaining. I?m looking forward to all the cameos as Ralph jumps from game to game ? especially Q*Bert.
11/2
Silver Linings Playbook
Starring: Bradley Cooper, Jennifer Lawrence, Robert De Niro
Director: David O Russell
Synopsis: After a stint in a mental institution, former teacher Pat Solitano moves back in with his parents and tries to reconcile with his ex-wife. Things get more challenging when Pat meets Tiffany, a mysterious girl with problems of her own.
Why I?m Excited: Two of Hollywood?s darlings team up for an unusual love story about two people dealing with mental illness. The two of them can do no wrong ? Bradley Cooper continues to be one of the hardest working men and Hollywood and Jennifer Lawrence is putting people on notice that she?s more than just a pretty face. The two of them are an unlikely paring, but I like it.
11/21
Lincoln
Starring: Daniel Day-Lewis, David Srathairn, Sally Field, John Hawkes, Joseph Gordon-Levitt
Director: Steven Spielberg
Synopsis: The sixteenth President of the United States guides the North to victory during the Civil War.
Why I?m Excited: Sadly, there are no zombies, but it looks like they?ll be a lot of Civil War footage in this film. It?s amazing how much Daniel Day-Lewis looks like Abe in the teaser posters for the film. Seeing Daniel Day-Lewis in a stovepipe hat might give me goose bumps. I?m hoping to learn more about Lincoln like he really enjoyed skeeball or he was Honest-ish Abe.
11/9
Skyfall
Starring: Daniel Craig, Helen McCrory, Javier Bardem
Synopsis: Bond?s loyalty to M is tested as her past comes back to haunt her.
Why I?m Excited: I love James Bond. I?ve loved James Bond ever since I saw Moonraker as a kid. I even love Daniel Craig as a more broodish Bond. This is the film I?m most excited to see this fall. What?s not to like? It?ll have Bond girls, gadgets, cars, tuxedos, and big action scenes. The trailer is fantastic and Javier Bardem looks like a madman with his boy band hair.
And there?s this exchange:
[Bond tied to a chair]
Bond: Everybody needs a hobby
Raoul Silva: What?s yours?
Bond: Resurrection.
11/9
Flight
Starring: Denzel Washington, John Goodman, Bruce Greenwood, Don Cheadle
Director: Robert Zemeckis
Synopsis: An airline pilot saves a flight from crashing, but an investigation into the malfunctions reveals something troubling
Why I?m Excited: This is Zemeckis first live action film since 2000?s Castaway. Before that he had What Lies Beneath, Contact, and Forrest Gump. In the words of Larry David, ?Pretty, pretty good.? I would?ve seen anyone in a film from Zemeckis but Flight has the Denzel and Don Cheadle combo ? not to mention the breathtaking shot of Denzel saving the plane from crashing.
11/2
Jack Reacher
Starring: Tom Cruise, Robert Duvall, Rosamund Pike, Werner Herzog
Director: Christopher Mc Quarrie
Synopsis: A homicide investigator digs deeper into a case involving a trained military sniper who shot five random victims. Based on a book in Lee Child?s crime series.
Why I?m Excited: Tom Cruise running. Tom Cruise beating people to a pulp. Tom Cruise doing his own stunts. Tom Cruise driving fast. Tom Cruise doing more running.
12/21
Zero Dark Thirty
Starring: Joel Edgerton, Jessica Chastain, Jason Clarke, Kyle Chandler
Director: Kathryn Bigelow
Synopsis: A chronicle of the decade-long hunt for al-Qaeda terrorist leader Osama bin Laden after the 9/11 attacks, and his death at the hands of the Navy SEAL Team 6 in May, 2011.
Why I?m Excited: I love everybody involved in this project. Is it too soon? Maybe. Will it be cool to have Kyle ?Coach Taylor? Chandler back in my life? Absolutely. If Bigelow can bring the same intensity she brought in The Hurt Locker, we?ll be in for a treat.
12/9
The Hobbit: An Unexpected Journey
Starring: Martin Freeman, Ian McKellen, Richard Armitage, Andy Serkis
Director: Peter Jackson
Synopsis: A curious Hobbit, Bilbo Baggins, journeys to the Lonely Mountain with a vigorous group of Dwarves to reclaim a treasure stolen from them by the dragon Smaug.
Why I?m Excited: It?s the Hobbit. That is all.
12/14
Django Unchained
Starring: Jamie Foxx, Christoph Waltz, Leonardo DiCaprio, Kerry Washington
Director: Quentin Tarantino
Synopsis: With the help of his mentor, a slave-turned-bounty hunter sets out to rescue his wife from a brutal Mississippi plantation owner.
Why I?m Excited: Two words: Leonardo DiCaprio. If there?s one thing Tarantino does well it?s villains. I think he?s going to bring the best out of DiCaprio as the evil plantation owner Calvin Candie. I?m sure the rest of the cast will bring it, but I?ve got my Oscar nomination ready for Leo.
12/25
Source: http://blog.seattlepi.com/peoplescritic/2012/08/25/16-movies-to-watch-this-fall/
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Why Weight Loss Activity Is Important | Plasmatek Software
[unable to retrieve full-text content]Adding workout to your weight loss plan is a natural as well as a healthy method to reduce weight. Given that it is necessary to incorporate work in to your fat burning strategy, you could be speculating exactly how you can set ...
Source: http://plasmateksoftware.com/why-weight-loss-activity-is-important/
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Saturday, August 25, 2012
Twitter's Trademark Infringement Problem - Traverse Legal - Typepad
You may have heard that users have registered trademark terms on Twitter, and have also impersonated celebrities or other brand names. This is a consistent and ongoing problem for Twitter. The bigger problem, however, is Twitter's statement with regards to liability and their simple process that is required to be undertaken if, in fact, you want to have a trademark infringer or an impersonator removed from their service.
Well, what are these problems? Twitter first requires that any complaint, whether trademark or otherwise, be submitted from the domain name of the complaining party. So, for example, if you are an attorney that represents a party that owns www.something.com, then the attorney must be granted an email address from www.something.com. This requires the client to provide their attorney with an email address.?
Welcome to Trademark Law Radio, a top web resource on issues of trademark infringement, trademark licensing, trademark protection, and trademark registration.?
Hello and thank you for listening to Traverse Legal Radio. My name is John Di Giacomo and I am an attorney with Traverse Legal PLC, where I practice in the areas of trademark infringement, copyright infringement, and other internet-based intellectual property matters. Today I'd like to talk to you about Twitter's ongoing trademark infringement problem.
You may have heard that users have registered trademark terms on Twitter, and have also impersonated celebrities or other brand names. This is a consistent and ongoing problem for Twitter. The bigger problem, however, is Twitter's statement with regards to liability and their simple process that is required to be undertaken if, in fact, you want to have a trademark infringer or an impersonator removed from their service.
Well, what are these problems? Twitter first requires that any complaint, whether trademark or otherwise, be submitted from the domain name of the complaining party. So, for example, if you are an attorney that represents a party that owns www.something.com, then the attorney must be granted an email address from www.something.com. This requires the client to provide their attorney with an email address.
Additionally, a second problem that Twitter currently has is that it does not recognize Common Law trademark rights. It only considers a trademark claim if the trademark is in fact registered.
Common Law trademark rights, as opposed to registered trademark rights, are rights that arise out of the use of a mark in commerce. After a longstanding use of a trademark in commerce, a person or a company may obtain trademark rights in a term within the geographical area in which it was used. These trademark rights are no less important or no less valid than those of a registered trademark. In fact, registration simply grants additional benefits to a Common Law user.
In light of these problems that Twitter has, it faces some pretty significant claims of liability and it's likely in the future Twitter will be sued if it does not, in fact, change its policies with regard to trademark infringement and brand impersonation. Why is this?
Well first, Twitter faces a claim of vicarious liability. Vicarious liability requires a finding that the defendant, in this case Twitter, and the infringer, in this case the user of a Twitter handle, exercise joint ownership or control over the infringing product. Since Twitter exercises ownership and control over the infringing product, it could be held vicariously liable because it has the ability to shut down the infringement.
Additionally, Twitter can be held liable for contributory trademark infringement. Contributory trademark infringement occurs where a party continues to supply a product or service to an infringer when it knows that that infringer is engaging in trademark infringement. In this case, again, Twitter continues to provide its service, the social networking service, to individuals that it knows that are infringing upon the third party's trademarks.
Once it has been put on notice, regardless of Twitter's policy, this duty to cease the infringing behavior applies, otherwise Twitter will be held liable for contributory infringement. These are just some of the ways in which Twitter faces some liability with regard to the way that it currently handles trademark infringement problems and brand impersonation problems.
If you have a brand impersonation or a trademark infringement problem with regard to Twitter, contact one of our attorneys today. Again, this is Traverse Legal Radio and I am an attorney, John Di Giacomo. Thank you and have a good day.
You have been listening to Trademark Law Radio.? Whether you are facing a trademark infringement, licensing, monitoring or trademark registration issue, we have a trademark attorney ready to answer your questions.? ?
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Source: http://tcattorney.typepad.com/ip/2012/08/twitters-trademark-infringement-problem.html
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