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Wednesday, June 6, 2012
ScienceDaily: Latest Science News
U.S. House biotech proposal would bypass courts-critic
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Small Business Borrowing Slows: How Are You Funding Growth?
Fewer U.S. small businesses are borrowing money for expansion according to a national index. This may reflect caution on the part of small business owners unwilling to take on additional debt in an uncertain economy, but as we will see in the roundup below, other options exist for obtaining funding. Businesses can also find ways of stretching existing resources to grow.
Borrowing Outlook
Small business lending down in April. Small business lending is down for the fourth straight month, according to the Thomson Reuters/PayNet Small Business Lending Index. The index measures the volume of US small business lending and showed a drop from 96.0 in March to 94.1 in April, indicating businesses are playing it safe instead of borrowing for future expansion. Reuters
Funding from SBA is now here if you want it. Small businesses were desperate for enough funding to stay alive back in the early days of the Great Recession, but now they have access to an unprecedented $30 billion in SBA guaranteed loans for buying more equipment and hiring more staff, says SBA Administrator Karen Mills. It appears, at least here in the US, that availability of funds is not a problem. The Huffington Post
Tighter lending requirements hurt Australian small business. Availability of funding hasn?t been the case everywhere. Small businesses in Australia have had it tougher than their big corporate counterparts when it comes to financing, thanks to tighter lending restrictions instituted after the 2008 global downturn. The Reserve Bank of Australia revealed the findings at the nation?s first small business finance round table held to gain a better understanding of how Australian small businesses are funded. The Sydney Morning Herald
Other Funding Sources
Other sources of small business funding. Lending is far from the only source of financing for business expansion. A number of other funding sources exists today, ranging from former employers and alumni to family and friends. Don?t forget to seek these lesser discussed options as an alternative or supplement to traditional funding channels. Growth University
In the U.S., crowdsourcing will soon become another option. A new law will soon allow companies to sell stocks on the Internet, but the U.S. Securities and Exchange Commission must first hammer out the details. In fact, lobbying groups have already been created to advocate for the new funding approach. Bloomberg Businessweek
Getting your money from clients and customers. One alternative to borrowing for small business expansion is to get better at collecting from customers and clients. The trouble is that with each passing month your chances of recovering money owed from a delinquent account decreases, says Jacqueline Taylor, associate region director of the University of Houston Small Business Development Center. Here she offers some advice. The Houston Chronicle
Improve your odds with investors. A number of issues will have investors passing over your business in favor of others competing for their attention. Some of these problems include an inadequate business plan, an inexperienced team, or an opportunity that is not large enough or growing, says startup expert Martin Zwilling. If these problems exist in your business, you are likely to have more problems attracting needed funds. Startup Professionals Musings
Healthcare tax credit won?t help much. Created by Congress in 2010, the tax credit was part of the healthcare system overhaul leading to the new reform package and was intended as an incentive to encourage an estimated 83 percent of U.S. small businesses that currently provide no healthcare coverage for employees to do so. The trouble is that many businesses either don?t qualify or will barely see enough of a credit to cover their costs. Bloomberg Businessweek
Stretching Your Resources
Make use of online resources. Google is introducing a new ?Business Builder? for small business marketers to include Google+ local pages, AdWords Express, additional Google offers, and other new features. Taking advantage of full service online resources can offer a low cost option for marketing and managing a small business from the first day of operation.? Search Engine Land
Invest wisely in your marketing. Spending the right amount on your marketing campaign can be the best way to stretch your business?s resources without needing to look for additional funding. Careful investment in your marketing involves figuring out a reasonable budget, determining the most efficient way to spend it, and then carefully tracking results to determine return on investment. SBA.gov
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Video: Slow economic growth signals need for game changer
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Monday, May 28, 2012
Lady Gaga cancels Indonesian show after threats
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Sunday, May 27, 2012
3DS Mod - Can Debtors Afford Bankruptcy? Finding LowCost ...
There seems palpably in the environment, one ominous extra stress for the average intensely indebted American debtor and customer in todays terrible nationwide economic circumstances whom might perhaps see his only recourse for several relief, in processing bankruptcy: finding low-cost bankruptcy, finding low-cost bankruptcy to afford. Meaning, in essence, a non-lawyer professional se alternate.
The newest figures just released by the Administrative Office of the U.S. Bankruptcy Courts found on the February 2009 bankruptcy filings, created one important fact crystal obvious to virtually every one, namely, which the pace at which the increasingly overburdened and restive American debtors each individuals and businesses are processing for bankruptcy, is at its highest degrees because the now-famous or infamous, various would mention! draconian changes of 2005 to the U.S. bankruptcy legislation. However, more significantly, which the new processing rate is ominously starting to resume the older ?hated? significant bankruptcy processing degrees which the nation had reached before which new legislation was passed in 2005, supposedly meant to correct and drastically curtail or reverse the then pre-existing significant processing degrees.
This newest trend in American debtor bankruptcy filings firmly underscores a limited fundamental points, and others. First, the depth and gravity of the financial straights and difficulties in which the average American customer and debtor is within now. Second, the truth which, regardless how difficult a legal difficulty and hindrance the institutional powers which be the Congress, the lawyers, or the financial institutions, the courts, etc might consider to place found on the path of the American debtors to try discouraging or making it more difficult on their behalf in looking the bankruptcy relief using their debt burdens, whenever it certainly comes time of terrible financial and economic crunch, Americans can somehow nevertheless find a way, and can nevertheless persevere and persist even against all chances, in demanding their constitutional liberties to be heard in bankruptcy; and thirdly, the important need, for the average debtor, for finding low-cost bankruptcy processing alternatives to lawyer.
Elizabeth Warren, a Harvard Law School professor and author of several books about bankruptcy, probably sums upwards the aim best this technique, alluding to the persuasion of the Congress by numerous special interests to pass the 2005 legislation which restricted debtors from processing for bankruptcy: ?The credit industry [and other vested interests] did its best to drive upwards the price of processing [for bankruptcy]. But when families are in sufficient trouble, they can battle their technique by the paper ticket and higher attorneys costs to receive aid,? adding which ?The term has become leaking out [once again] which the bankruptcy courts are open for organization.?
THE ?UNOFFICIALLY BANKRUPT DEBTORS? ? DEBTORS WHO CANT FILE BECAUSE THEY CANT AFFORD IT
But, even many importantly than which, from the standpoint of the average bankruptcy-seeker now, this raises one fundamental issues, still. Namely, how do the present growing military of increasingly despairing American debtors whom not merely seek to file for individual or organization bankruptcy, employing a lot of situations, really NEED to file one, AFFORD to file bankruptcy ? in certain, the significant lawyers legal cost of processing for bankruptcy? Just how do these debtors receive or find low-cost bankruptcy? A bankruptcy which debtors will relatively afford?
Some 1.1 million 1,064,000 American debtors recorded for bankruptcy earlier this 2008 season ? filings which, various experts are rapid to remind you, were carried out by these debtors despite, and under tough circumstances of, a whole host of stringent, restrictive requirements and drastically increased legal costs imposed by the 2005 legislation. But, more appreciable, from the stand aim of the debtor or bankruptcy-seeker, is another closely connected FACT: which, worse nevertheless, according to specialists, THERES NEARLY AS MANY AMERICAN DEBTORS MORE whom wished to file for bankruptcy and are qualified, yet cannot, because they just couldnt AFFORD the lawyers legal costs. These are debtors whom Justin Harelik, a bankruptcy lawyer with Price Law in Los Angeles, call the ?unofficially bankrupt debtors? ? debtors whom are all yet bankrupt yet just lack the lawyers hefty cost to create their status official!
YEARLY NUMBER OF BANKRUPTCY FILINGS SINCE 1998
Source: creditslips.org
Year??.Bankruptcy??. Filings??? Source & Notes
1998??.1,442543???.AO data??Office of U.S. Courts
1999??.1,319,465???AO data
2000??.1,253.444???A.O data
2001??.1,492-129???AO data
2002??.1,577,561??..AO data
2003??.1,589,383???AO data
2004??.1,597,462???AO data
2005??.2,078,415???AO data??..includes spike in filings before 2005 bkr. legislation
2006??.590,544???..AACER data?Automated Access to Court Records
2007??.826,665???..AA.CER data
2008??.1,064,000???AACER data
EVEN THE LAWYERS AGREE, THEIR BIG FEES IS A PROBLEM WITH DEBTORS
In deed, though various bankruptcy lawyers would very which it be sugar-coated, various other lawyers, themselves, objectively acknowledge which the lawyers legal costs for bankruptcy is a main frequent problem and concern to debtors and clients in bankruptcy legislation practice.
?You have to pay the Chapter 7 legal costs upfront in money. You could potentially be too poor to go bankrupt,? is how Professor Robert M. Lawless of the College of Illinois College of Law once said.
Another observer, Jenny C. McCune, a contributing editor at Bankrate.com, notes which very astoundingly, weve today visit the aim where a debtor might have to ?finance bankruptcy processing,? adds: ?This might sound like a Catch-22?you do not have money so youre processing for bankruptcy, yet you require [legal fee] money so you can file for bankruptcy.?
Jonathan Ginsburg, bankruptcy lawyer, Atlanta, Ga., explains which in telephone conversations he frequently has with callers facing serious financial crises whom are thinking potential bankruptcy, following their initial doubt which is frequently general in type, ?The next doubt I receive must do with fees: If I do not have money, how am I expected to pay for a lawyer??
LAWYERS TRADITIONAL ARGUMENT FOR THEIR HIGH FEES
Bankruptcy lawyers, schooled in the art of argumentation as well as the protection of even clearly indefensible, particularly whenever it centers found on the protection of a lucrative signifies of making a living, would frequently plunge into what, in essence, are really deep philosophical reasons in justification of the significant costs they charge ? its nevertheless a ?bargain? for debtors, considering the much greater sums they stand to discharge in bankruptcy; if your debtor is ?really? hard forced sufficient by his debt stress and is ?serious? regarding freeing himself of it, hell somehow find a way; a debtor, when he is truly ?severe,? will constantly get the lawyers costs around by, mention, withholding the repayments he could have had to create to alternative creditors and utilizing it to pay the lawyer to free him of the bigger debt stress, etc., etc. It is a complex web of reasons that could have to wait for a later date to address. However, for our present immediate purposes in this informative article, the relevant problem is crystal obvious. The aim, clearly, is that for the average American debtor now, already reeling from the significant debt stress which is the prime object hes out attempting to address by bankruptcy processing, the average lawyers fee for bankruptcy several $2,000 or more for the easiest Chapter 7 bankruptcy, and $4,500+ due to its Chapter 13 counterpart is significant, in deed even excessive, and frequently is simply simple past his signifies ? in short, just UNAFFORDABLE.
LAWYERS FEES HAVE ?PRICED OUT? A LOT OF DEBTORS
Seems which the bankruptcy lawyers, by greed and monopolistic instinct, are progressively pricing themselves out of the individual bankruptcy processing organization, which truly the only realistic alternate today left to be tried, seems as a non-lawyer low-cost bankruptcy choice.
?Surveys have demostrated which various attorneys have doubled their costs to handle with new requirements imposed by the BAPCPA of 2005. Many thousands of debtors have consequently been priced out of lawyer representation in their bankruptcies,? claims Stephen Elias, a California lawyer and bankruptcy professional and author of several books found on the subject. ?Because of rules regulating the practice of legislation, truly the only legal alternate to lawyer representation is self representation? bankruptcy petition preparers will support with the forms.?
The aim then is crystal obvious. The fundamental task in front of you this quite minute in the field of bankruptcy, is devising a credible system which is low-cost for processing bankruptcy, which is easy, straightforward, and commonly accessible, and is, above all, AFFORDABLE to many debtors whom legitimately seek or require bankruptcy and are qualified and permitted file it is in the eligibility rules. It is, after all, no ?gift? or some sort of ?favor? being meted out by ?the legislation,? or some sort of mercy-peddling do-gooders of the legal establishment. But, a direct sacred correct and present of the American Constitution.
It is a task which confronts you all, particularly the bankruptcy constituency as well as the bankruptcy industry powers-that-be whom control the present bankruptcy system ? the financial and credit industry, the courts, the Congress, yet including personal entrepreneurs and inspirations people who is able to come up with new or fresh inspirations regarding how to fix the present broken individual bankruptcy system, and yes, the present bankruptcy lawyers and bar, and others.
But, of more immediacy and urgency in the mean time, still, whilst you await such a new system to be designed by the accountable parties, qualified American entrepreneurs, organizations and entities whom are capable, should be complimentary to come up with useful and beneficial approaches and techniques ? alternatives to the present all deficient and insufficient lawyer-controlled bankruptcy system ? that enable legitimate bankruptcy seekers to exercise their legitimate constitutional correct to find the bankruptcy relief choice whenever and when essential ? just and AFFORDABLY.
IN SUM
The point is that, America, inside its public and personal sectors, must swiftly make for, and create and apply, a drastically different yet beneficial bankruptcy processing system which provides the present million and per year as well as the upcoming extra countless bankruptcy filers whom can be entering the bankruptcy processing pipeline per year, a really affordable signifies on their behalf to file for bankruptcy ? the 1.4 million American filers or more which are expected to find the bankruptcy relief in 2009 calendar season alone, and past.
NEED FOLLOW-UP INFORMATION?
For more about finding several low-cost yet non-lawyer alternatives which you might utilize to do the bankruptcy, aside from the traditional lawyer-dominated processing system which is commonly prohibitively pricey? An alternative which can drastically cut down the cost of bankruptcy? Please visit this site: http://WWW.Afford-Bankruptcy.Com/proSeBankruptcyTrend.html
Denver Bankruptcy Attorney
This entry was posted on Sunday, May 27th, 2012 and is filed under Uncategorized. You can follow any responses to this entry through RSS 2.0. Both comments and pings are currently closed.
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Facepalm! Gore?s ?dirty energy = dirty weather? claims about the US are laughable in the context of other countries
A few prior examples: On TV, Earth?s core is millions of degrees, in AIT, snows of Mt. Kilimanjaro will gone due to global warming, except the snows are growing, and Gore?s 24? hours of Climate Reality ?high school science? that is so solid it has to be faked in post production.
Gore?s got a new schtick, he is now complaining about ?dirty energy? making ?dirty weather?.
From the Daily Caller there?s this:
Former Vice President Al Gore showed that he isn?t giving up on sounding the alarm on global warming and its catastrophic consequences in an appearance on Current TV?s ?The War Room with Jennifer Granholm? on Thursday.
Gore, who owns CurrentTV and appeared alongside former Obama administration ?green jobs czar? Van Jones, explained that ?dirty energy and dirty money? are thwarting a green economy. And that, according to the former vice president, is behind ?dirty weather? due to ?extreme climate events.?
?Let me add if I could briefly,? Gore said, ?As Van said, it?s the intersection of dirty energy and dirty money. And we can?t forget it?s creating dirty weather because the extreme climate events that the scientific community has been telling us are connected to global warming are getting worse. We had 12 events last year here in the U.S. that cost more than a billion dollars that were connected to climate. And it?s getting worse. And now, we have this extensive drought in big areas of the country, dramatic floods, stronger storms ? completely consistent with what people have been predicting.?
I just want to grab him by the collar and slap some sense into him, Three Stooges style -? Nyuck Nyuck Nyuck!
Gore?s claims about floods, storms, hurricanes, tornadoes, or any aspect of weather aren?t supported no matter how you look at it. I could go on and on, but this post right here says it all:
Why it seems that severe weather is ?getting worse? when the data shows otherwise ? a historical?perspective
Bouziotas et al. presented a paper at the EGU (PDF) and concluded:
Analysis of trends and of aggregated time series on climatic (30-year) scale does not indicate consistent trends worldwide. Despite common perception, in general, the detected trends are more negative (less intense floods in most recent years) than positive. Similarly, Svensson et al. (2005) and Di Baldassarre et al. (2010) did not find systematical change neither in flood increasing or decreasing numbers nor change in flood magnitudes in their analysis.
Be sure to follow the link and read the entire essay if you have not already.
Al is unable to separate the signal from the noise, because he himself is a noise generator. His detector is swamped. That, and its the next phase of keeping his gravy train alive with the help of the Rommulans and the McKibbenites. Get people to fear the weather and you?ve got a powerful tool to control people. They?ve been successful at spreading this disinformation, for example:
Interestingly, almost all of those hits in the first several pages talk about the USA and its ?dirty energy?. Gore himself focuses on the USA and its ?dirty energy?, ignoring the rest of the world, because that?s where he wants to change policy in his profit favor.
But if ?dirty energy = dirty weather? places like this should have terrible catastrophic weather, right?
No, that?s not the result of a volcanic eruption. Here?s another:
Yes, that?s snow under that soot. Nothing says Christmas like black snow. Have you guessed where this is yet?
You?re getting warmer:
Yep. Russia. Specifically?Prokopevsk. Prokopevsk is a coal mining city where boiler houses work all year around. It shows. Source: http://englishrussia.com/2012/04/09/dirty-dirty-prokopevsk/ There are many more shocking photos there.
So let?s look for severe ?dirty? weather connections in and around Prokopevsk. Should be easy to find right? Surely, as ex-Rommulan Brad Johnson (who made Vermin Supreme a household name with climate followers) asserts, there has to be divine payback for such dirty sins:
So, I searched for the obvious posited connection being pushed by Gore, Romm, McKibben, and Johnson. There were only a few results:
Of of them was this one, from Rommulan correspondent Dr. Jeff Masters, who I thought sure would be making a strong connection between dirty Prokopevsk and severe weather:
No such luck, it turned out to be an off-topic comment about some explosions heard in Prokopevsk:
http://www.wunderground.com/blog/JeffMasters/comment.html?entrynum=2035&page=4
And none of the other 234 results panned out either, there just doesn?t seem to be severe weather in Prokopevsk that I can find. But Al says ?dirty energy? equals ?dirty weather? in the context of severe weather, so unless dirty snow is severe weather, there seems to be none there. So I thought to myself, maybe I?m searching wrong, if severe weather is happening in that area due to the ?dirtiness? it might be better for an image based search. Surely there would be pictures of divine weather retribution like Brad Johnson says.
Nope. Just 13 images, none about severe weather in that area.
Of course all this is tongue in cheek, and just as ridiculous as the claims that Al Gore makes, or Romm makes, or McKibben makes. But, it does underscore one very important point.
Due to environmental regulations in the USA, you won?t find dirty snow of that scope, breadth, and magnitude in any USA city caused by coal-fired power plants. I?ve looked.
I grew up in a Midwestern town fueled by coal, we had coal furnace in our basement (like the house in the classic movie A Christmas Story), we had coal furnace at school, and a coal-fired power plant generating electricity in our town. Even before the first EPA regulations of the 70?s, our town never looked like that in winter. I?ve been unable to find any USA city today in the shadow of a coal-fired power plant that looks as bad as those scenes in?Prokopevsk in the winter. If there was, you can be sure the Gores, Rommulans, and McKibbenites would be sure to blast it everywhere.
But we have art to help visualize the problem. Gotta love the coal stains on the tops of the cooling towers. Obviously the artist has no idea about what cooling towers emit. Hint ? it isn?t soot filled smoke.
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?No Globes? Fill Up With Dirty Coal When You Shake Them
The design team at Dorothy in the UK has created a souvenir of environmental destruction. Their ?No Globes? are tongue-in-cheek snow globes that riff off the familiar tchotchke?s form while criticizing the dirty coal industry. The knickknack is a powerful- yet cute ? way of drawing attention to the worldwide problem of pollution caused by the burning of coal and fossil fuels.
Read more: ?No Globes? Fill Up With Dirty Coal When You Shake Them | Inhabitat ? Sustainable Design Innovation, Eco Architecture, Green Building
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In the USA, environmental regulation have done the job, but the enviros always want more.? Even the best environmental regulations in the world aren?t enough for them. When they succeed in shutting down every coal-fired power plant in the USA they?ll go after something else, probably natural gas fired power plants
One final note, I?ve been puzzling over this perennial hotspot in GISS over Russia for some time. From GISS, NOAA, GHCN and the odd Russian temperature anomaly ? ?It?s all?pipes!?
As most readers know by now, the problematic GISTEMP global temperature anomaly plot for October is heavily weighted by temperatures from weather stations in Russia.
GISTEMP 11-12-08
From that post:
?Posters at Watts Up have commented on the ongoing consistently high anomalous temperatures from Russia. I have noticed this too.? In light of the erroneously posted data for October, I took a look at the monthly NCDC climate reports back to January 2007.? By my eyeball estimate the results from Russia are almost all on the high side. .? Some I classified as very highs are massively high.? Of the 21 months reported, only 2 appeared to be below average.
Category 2007 2008 (9 months)
Very high?? ?? ?? ?? ?? ?? ?? 6?? ?? ?? ?? ?? ?? ?? ?? 4
High?? ?? ?? ?? ?? ?? ?? ?? ??? 3?? ?? ?? ?? ?? ?? ?? ?? 1
Average?? ?? ?? ?? ?? ?? ??? 2?? ?? ?? ?? ?? ?? ?? ?? 3
Low ??? ??? ??? ??? ??? ??? ?? 0??? ??? ??? ??? ??? ??? 1
Very Low??? ??? ??? ??? ??? 1??? ??? ??? ??? ??? ??? 0
?
I did find a study they posted that seems to point to a significant warm temperature anomaly in Russia during winters between 1961 to 1998:
Fig. 1. Linear trend coefficient (days/10 years) in the series of days with abnormally high air temperatures in winter (December-February), 1961-1998.
From the Russian study they write:
For the winter period 1961-1998, most of the stations under considerations exhibit a tendency for fewer minimum temperature extremes. Maximum (in absolute value) coefficients of the linear trend were obtained in the south of the country and in eastern Yakutia.
?
Like in the USA, weather stations tend to be distributed according to population density, with the more populated western portion of Russia having more weather stations than the less populated eastern areas such as Siberia. To illustrate this, here is a plot of Russian Weather Station locations from the University of Melbourne:
With dark, dirty winter albedoes like we?ve seen in scenes in?Prokopevsk in the winter, I wonder if the temperature anomaly in Russia isn?t driven by soot on the ground?
I have not been able to locate a map of Russia?s coal-fired power plants, but if anyone knows of one, I?d be interested if you can leave a comment.
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