Learning How to Fight the Collector – New York Times

Debt Advisory Centre Direct Debt Advice

Our BBB rated A+ budget counseling and debt consolidation plans can help you be debt free in 5 years without hurting your credit. For a free consultation speak to a certified credit counselor and see if a consolidation plan is right for you.

Katz, a 58-year-old accountant in suburban Tucson, spends his free time schooling debtors on the finer points of consumer protection law to help them turn the tables on debt collectors. On occasion, he thumbs his own nose at them too. “

Had the poem and needed an image. Not the best, but... by epicture's PC is out of order :-(

Get Your FREE iPad – US Only …

Get Your FREE Apple iPad! Click Here…

Late last year, Barnes and Noble announced their e-reader they called nook. It had a huge competitor in Amazon's kindle. I previously compared these two e-readers and gave my honest opinion which one I think is better (nook). To read that article, and learn why I believe that, please go to: http://www.associatedcontent.com/article/2639813/barnes_nobles_nook.html?cat=15

Now the latest news is Apple's iPad. My question is: what does this mean for nook? In a word: nothing. I don't believe that the iPad is going to hurt nook's sales. Why?

Let's think about it. Nook is pretty much strictly an e-reader. You buy (or upload) e-books, e-magazines, and e-newspapers onto its hard drive to read at a later date. It also holds pictures and MP3 files so you can listen to audio books or music, but it was created to be used as an e-reader. All of the other functions are simply perks that come with it.

When you go to www.bn.com to get information about nook they tell you about their great prices on e-books (many best sellers and new release titles are only $9.99), their color touch screen where you can see the covers of the books exactly like you would if you were holding the book, the e-ink screen display, and how much nook holds among other features. “Choose an eBook using the beautiful color touch screen, then watch it appear instantly on the E Ink® display, where text appears as crisp as a printed page. The 16-level gray scale display offers great contrast with no glare or backlight. Choose from five font sizes so you can read with ease.”

When you visit www.apple.com they explain how small the unit is (in terms of thickness and weight), but how large the screen is. They tell you about all of the apps that it can support, they show examples of the beautiful color that they entire screen can create, and you learn that you can use it to go online and even check your e-mail. “Imagine being able to page through websites, write and e-mail, flick through photos, or watch a movie. All on a big, beautiful, Multi-Touch screen. With just the touch of a finger.”

So yes, you can tell even from a quick glance that the iPad can do much more than nook can, but it is also advertised differently. Barnes and Noble doesn't claim to offer anything more than an e-reader. Apple basically offers a super sized iPhone (without the phone feature).

People who are going to look into buying nook are interested in having something they can carry around with them that they can store their books on. People who buy iPad are looking for an alternative to a laptop computer. They are looking for a device that will serve a multitude of functions, that just so happens to hold e-books that they can read.

Never mind the incredible price difference. Nook is $259. That's it. No other options. Unless you wanted to add accessories or a protection warranty, the price is the price. The iPad STARTS at $499. Yes, I know you are thinking “But it does so much more than nook, it should cost more!” And I agree with you, but let us dive deeper into the price difference.

Nook comes with an internal 2GB memory. It has a slot where you can insert a micro-SD card to expand the memory to whatever size you would like. And because it is a slot where you can insert and remove your card, you can have as many cards as you would like with literally limitless amounts of room.

IPad starts with 16GB internal memory for the $499 price tag. If you want 32GB internal memory that will cost $599 because there is no memory card slot. If you were looking to have 64GB worth of internal memory that will run you $699. (And these prices are for the model that comes with Wi-Fi compatibility.)

Nook offers Wi-Fi and FREE 3G coverage for $259. (Personally, I have found that the device works better if you turn off the Wi-Fi and just let it run on the 3G network provided by AT&T). If you wanted your iPad to run on 3G the prices jump to $629, $729, and $829! (Oh yea, and you have to then continue to pay a fee for the 3G!)

I think that the iPad sounds amazing, and I personally can't wait for it to be available in stores so I can go play with it, but I don't think it is going to hurt nook sales. This device is simply for a different type of customer. Nook is just an e-reader, and the people who buy it are OK with that.

Airports Reopen As New Ash Cloud Moves In

Sponsor: sell krugerrand

——————————-

Airports in Scotland have reopened but tens of thousands of passengers hoping to return home face further frustration as a new ash cloud drifts towards the UK.

Some 150,000 Britons have been stranded abroad in the wake of an eruption from the Eyjafjallajokull volcano in Iceland that has thrown an enormous cloud of potentially hazardous ash into airspace over northern Europe. It had been hoped that the air was clearing and flights would be able to resume today but the eruption strengthened overnight.

Air traffic control company Nats said in an update shortly before 3am today: “Since our last statement at 9pm yesterday, the volcano eruption in Iceland has strengthened and a new ash cloud is spreading south and east towards the UK.

“This demonstrates the dynamic and rapidly changing conditions in which we are working.” Latest information from the Met Office shows that the situation is variable. Nats said it would provide further updates at around 9am today.

Newcastle Airport has also reopened for flights to and from Aberdeen and the Isle of Man.

It also said easyJet was hoping to operate a “very limited service” from late afternoon. Other airspace over England is expected to open from 1pm, not including the main London airports.

British Airways has cancelled all of its short-haul flights scheduled for today. The airline said it hoped to run long-haul flights scheduled to depart after 4pm, depending on a “full and permanent” opening of airspace.

Manchester Airport said it plans to open at 1pm at the earliest after initially hoping to open at 9am. But a spokeswoman said it would monitor further updates from Nats.

easyJet has cancelled all flights until at least 5pm in Northern Europe including the UK. A limited number of flights will operate in Southern Europe.

Earlier, Prime Minister Gordon Brown announced plans to use Royal Navy vessels to bring home some of the Britons stranded abroad. A brand new £500m cruise ship, the Celebrity Eclipse, is due to leave Southampton at 9am for Bilbao to pick up around 2,000 British tourists at the port.

A meeting of the emergency planning committee Cobra, chaired by Mr Brown, was held last night to discuss the latest updates on the ash cloud.

A Downing Street spokesman said the committee agreed the Government should “continue to do whatever it can” to return stranded Britons to the UK. Another meeting will take place today.

Ministers met yesterday following a clamour from airlines to restore flights, with carriers including British Airways pointing to the success of test flights.

While travel organisations warned that it would be some time before travel and airports were back to normal, airlines were counting the cost of the disruption.
BA said the flight ban had cost it around £15m to £20m a day.

Willie Walsh, BA chief executive, questioned the necessity of the hitherto “blanket ban” on flights. The British Air Transport Association has written to Transport Secretary Lord Adonis asking him “to commit to standing behind the industry financially at this very difficult time”.

The International Air Transport Association was highly critical of the European response to the ash crisis. It estimated that it was costing the aviation industry around $200m (£130m) a day.

Source: Sky News

Economic recovery may go up in smoke thanks to the volcano

After the bank bailout that cost us all way too much money, a Europe-wide taxpayer-funded financial support scheme for the airline industry is being discussed in response to planes being unable to fly because of the Icelandic volcano eruption. British Airways is losing around £25m ($38m) a day. Easyjet is losing up to £5m ($7.6m) a day. They have access to borrowing and can cope with the financial hit just so long as it doesn’t last much longer.

Supermarkets have announced that supplies of imported flowers, fruit and vegetables are beginning to run low. Many businesses reliant upon air freight are losing money while perishable goods at home and abroad are rotting in warehouses.

Nobody really has any idea when the outpouring of ash and the volcanic activity will end. This crisis reveals the Achilles heel of globalisation: the more interconnected we are, the less self-sufficient as nations, the more reliant we are on specific forms of transport, then the easier it is for mother nature (or, for that matter, terrorists) to throw a spanner in the works. Countries untouched by the ash fallout from the volcano will suffer as well—for example, America cannot conduct much of its trade with Europe while the crisis continues.

Yesterday, Iceland’s Prime Minister could be heard on BBC Radio 4 expressing concerns that another volcano close to Eyjafjallajoekull may be stirred to eruption by its already active neighbour. If this happens, flights over Europe could stop for a month. The economic consequences of that would be disastrous across the whole world.

And before anyone thinks this might be good for the environment at least, with a massive drop in CO2 emissions while there are no flights operating, you’d be wrong to espouse this idea. Volcanoes pump lots of greenhouse gases into the atmosphere, including methane which is said to be 100 times more impactful than CO2. Volcanoes have always had a hugely significant role to play in changing the Earth’s climate.

Volcanic activity should not be seen as putting the brakes on global warming; instead, it can accelerate the increase in temperatures in ways impossible to model and predict.

There’s something ironic (as well as scary) in the idea that a single natural event in a bankrupt country (that won’t yet pay back what it owes to the UK) could kill off the hope of a relatively quick recovery from the biggest planet-wide recession in history. Regardless, we can only pray that our governments don’t allow flights to resume until it is safe for them to do so. Contrary to popular mythology, it is possible to survive a financial nosedive but there’s no way back for anyone who dies in completely avoidable air disasters.

But what of all those hundreds of thousands of business travellers and tourists stranded around the world? Getting them back by boat should be the number one priority to arrange. My partner’s own parents are currently stranded in Bangkok and should have flown home on Saturday. As people run out of money they will turn to their embassies for help.

Something should be done today, right now, to avoid our citizens being individually bankrupted by this volcanic crisis, to make sure they are fed, given accommodation and brought back to their families as soon as possible—but a cruise ship from Bangkok, we’ve found, is a journey of two weeks. What happens when people don’t go back to work after their holidays because they can’t? Never mind the money the airlines and companies are losing, worrying though this is. It’s people who should come first. Bring them home. Now.

Source: The Spicy Cauldron

Sponsor: Pomegranate Works Better Than a Penis Vacuum Pump

Affiliate Marketing Web Site Promotion Marketing

See: website promotion software
If you're an online writer, offer SEO copywriting services and would like to land more clients, try pitching yourself as a niche writer if you're not already doing so. Why would you want to do this? Following are three reasons.

1. SEO Specialist: Specialists are viewed as experts – no matter what the profession is. This is no different in SEO writing. One SEO writer explains, recalling:

As this illustrates, it's all about getting your foot in the door. Pitching your SEO copywriting services as a specialist can hasten this process.

2. Write Faster: When you're a niche writer, you tend to have a vast body of knowledge on the subject. And if you're an SEO writer, you know how valuable this can be because it means less research time. Less research time means the more copy you can turn out, which means the more money you can make, which brings us to the last reason to specialize as an SEO writer . . .

3. Make More Money: The more you write on a particular subject, the more knowledge you gain. Hence, you can write even faster and make even more money.

When you pick up several clients in your niche, you can in essence double or triple your income because you can repurpose content on one subject and sell it to two different clients.

For example, if the title of your article is “How to Get a Home Loan in a Recession,” you can write this same article two different ways – to make it unique content – and sell it to two different clients.

All the vast majority of SEO writing clients want is unique content. Most times, they'll leave the subject matter up to the SEO copywriter (you) – so you can repurpose/rewrite the content. Same article, same amount of research time – two different payments.

The bottom line is, “nicheing it to SEO writing success” can be so much easier than try to be everything to everybody. Most times, once a firm hires you to write SEO content, if they're pleased with what you turn in, they'll be happy to pass along other SEO writing jobs to you.When I first started out, I pitched myself as an SEO copywriter who specialized in real estate and mortgages. And guess what, my very first article writing job was writing SEO content on mortgages for an internet marketing firm.

After I'd produce a few of these, the firm went on to hire me to write hundreds of other articles covering every topic under the sun – eg, wedding cake toppers, wire jewelry, welding (yes, welding!), ski resorts, etc.

BUT, the reason they first hired me to write SEO content is because they needed a writer who knew how to write about mortgages. Pitching myself as a specialist first is what got me in the door.”

more website promotion software

SEO - SEM Freelancer Firm India Head by pankajzone

website promotion tools

Sunset at Camber Sands with volcanic ash by mikepepler

37 Fox Cities residents stranded in the Netherlands after an <B>ash</B>…

A group of 37 Fox Cities residents is stranded in the Netherlands after an ash plume from a volcanic eruption in Iceland forced the cancellation of

Icelandic Volanco & Scottish Famine

Outpourings of volcanic ash from Iceland in the 17th Century contributed to a period of famine and hardship in Scotland, according to experts.

———————————-

make money on ebay

&quot;Volcanic Ash&quot; Sunset Picture-big red sun by dawn.v

Volcano sparks more flight disruptions

A lingering volcanic ash plume forced extended no-fly restrictions over much of Europe Saturday, as Icelandic scientists warned that volcanic

Volcano's <B>ash</B> spurs more flight misery across Europe, globe

A lingering volcanic ash plume forced extended no-fly restrictions over much of Europe Saturday, as Icelandic scientists warned …

———————————-

make money on ebay

Tibetans begin cremating victims of China earthquake … – baltimoresun.com – News

JIEGU, China: The death toll from a strong quake that rocked a remote Tibetan region … The wail of sirens and stench of death filled the air as relief vehicles thundered through the hard-hit town in Yushu county. Thousands of survivors of Wednesday …

JIEGU, China (AP) — Hundreds of victims of an earthquake that struck western China more than 72 hours ago were cremated … But Genqiu, who like many Tibetans goes by one name, said the numbers made that impossible. "The vultures can't eat them all …

India napolis: CNN Breaking News. Earthquake in China. by sugarmelon.com

———————————-

natural colon cleanser

Mercedes Cars Cheap Clk

Name (required)

E-mail (will not be published) (required)

Website

Notify me of new posts via email.

Notify me of follow-up comments via email.

Guest Passes let you share your photos that aren't public. Anyone can see your public photos anytime, whether they're a Flickr member or not. But! If you want to share photos marked as friends, family or private, use a Guest Pass. If you're sharing photos from a set, you can create a Guest Pass that includes any of your photos marked as friends, family, or private. If you're sharing your entire photostream, you can create a Guest Pass that includes photos marked as friends or family (but not your private photos). Learn more about Guest Passes!
more…

L@@K: Buy a Merc

Kids Wedding Entertainment Wedding Entertainment Company

Next Page »