Dems, GOP still at loggerheads as clock ticks (AP)

WASHINGTON ? The GOP-controlled House and the Democratic Senate remain at loggerheads over debt legislation required to avoid a first-ever default on U.S. financial obligations as lawmakers and the White House head into a pressure-packed weekend in search of compromise.

A week of extraordinary partisanship was capped by a power play by Senate Democrats, who killed a House-passed debt limit increase and budget-cutting bill Friday night less than two hours after it squeaked through the House. Senate Majority Leader Harry Reid, D-Nev., set up a test vote for the wee hours of Sunday morning to break a GOP filibuster.

Before then, however, the House was set to even the score by voting Saturday to reject an alternative measure by Reid even before the Senate has taken it up.

Democrats, Republicans and the White House, meanwhile, are expected to be deep in conversation in hopes of a potential compromise. Senate GOP leader Mitch McConnell of Kentucky is likely to play a pivotal role.

"There is very little time" President Barack Obama said Saturday in his weekly radio and Internet address. He called for an end to political gamesmanship, saying "the time for compromise on behalf of the American people is now."

The outcome of the weekend endgame was anything but clear as Democrats and Republicans remain at odds over how to force lawmakers to come up with additional budget savings later this year beyond the almost $1 trillion in agency budget cuts over the coming decade that they basically agree on.

After a brutal week on Wall Street ? investors lost hundreds of billions of dollars as the markets lost ground every day ? pressure is intense to produce an accord before the opening bell on Monday.

The House measure squeaked through on a 218-210 vote, with 22 Republicans joining united Democrats in opposing the GOP measure, which pairs an immediate $900 billion increase in U.S. borrowing authority along with $917 billion in spending cuts spread over the coming decade.

Friday's roll call came after House Speaker John Boehner, R-Ohio, had been forced to call off a vote slated for Thursday in the face of tea party opposition to the measure. He added a provision requiring that a second, up to $1.6 trillion debt increase be conditioned on House and Senate passage of a balanced-budget amendment to the Constitution, which would require an unrealistic two-thirds vote by each chamber to send it to the states for ratification.

Boehner's move only cemented Democratic opposition to the measure and complicated prospects for a weekend compromise that could clear both houses and win Obama's signature by next Tuesday's deadline. And by appeasing the tea party by adding the balanced-budget amendment poison pill, Boehner seemed to hand endgame leverage to Reid and Obama.

Boehner said the House bill ? before the addition of the balanced-budget amendment ? mirrored an agreement worked out with Reid last weekend.

"Now the bill before us still isn't perfect," Boehner said as he closed debate. "It's imperfect because it reflects an honest and sincere effort to end this crisis by sending a bill over to the Senate that at one time was agreed to by the bipartisan leadership of the United States Senate."

Still, as soon as the measure reached the Senate side of the Capitol, Senate Democrats scuttled the measure without so much as a debate on its merits. The vote was 59-41, with all Democrats, two independents and six Republicans joining in opposition.

Reid alternative measure would raise the debt limit by up to $2.4 trillion, enough to a demand by Obama that the increase be sufficient that Congress doesn't have to wrestle with it again until 2013.

Administration officials say that without legislation in place by the end of Tuesday, the Treasury will no longer be able to pay all its bills. The result could inflict significant damage on the economy, they add, causing interest rates to rise and financial markets to sink.

Executives from the country's biggest banks met with U.S. Treasury officials to discuss how debt auctions will be handled if Congress fails to raise the borrowing limit before Tuesday's deadline.

But White House press secretary Jay Carney said the administration did not plan to provide the public with details Friday on how the government would prioritize payments.

The day's economic news wasn't very upbeat to begin with ? an economy that grew at an annual rate of only 1.3 percent in the second quarter of the year.

At the White House, Obama cited the potential toll on the economy as he urged lawmakers to find a way out of gridlock.

He said that for all the partisanship, the two sides were not that far apart. Both agree on initial spending cuts to take effect in exchange for an increase in the debt limit, he said, as well as on a way to consider additional reductions in government benefit programs in the coming months.

"And if we need to put in place some kind of enforcement mechanism to hold us all accountable for making these reforms, I'll support that, too, if it's done in a smart and balanced way," Obama said.

Source: http://us.rd.yahoo.com/dailynews/rss/uscongress/*http%3A//news.yahoo.com/s/ap/20110730/ap_on_go_co/us_debt_showdown

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Visit Delray Beach Florida | Articles Surf

Just south of Palm Beach and less than an hour?s drive north of Miami, Florida, you will discover the resort city of Delray Beach, Florida, with it?s over 2 miles of clean well-maintained sandy beaches, historical downtown shopping place, beautiful gardens and parks, world class tennis center, golf courses and it?s large selection of hotels and motels.

Searching for a place to stay? Try the Breakers-On-The-Ocean, (561) 278-4501, with it?s picture perfect beach environment and it?s 200 feet of private beach, complimentary beach cabanas, putting green, ocean front suites and ocean view apartments, the lately renovated and restored Colony Hotel And Cabana Club, (800) 552-2363, with it?s 70 guestrooms, all with vinage tropical furniture, fabrics and colours, hardwood floors, unique appointments and Florida art pieces, personal air conditioning and operable windows or the Delray Beach Marriott, (561) 274-3200, with it is soft sandy beach, heated pool, on site spa and fitness center, rooms with private balconys and it?s Marriott service. In the event you don?t like these hotels there are numerous others to choose from.

Feel like some golf? Check out the Delray Beach Golf Club, (561) 243-7380, a 1923 Donald Ross Design situated off of Atlantic Avenue just three miles west of the historic Downtown Delray Beach area. This jewel is a thoroughly well-kept championship track, and features 6,907 yards and a par-72 or the Lakeview Golf Club, (561) 498-3229, a 3,006 yard, par 60 executive golf course, built in 1972. There are also more than 100 other golf courses all around the Delray Beach region.

Spend your days, sunning, swimming and playing on the 2 miles of, clean well maintained, beach. Go diving or snorkeling in the crystal clear warm Atlantic waters. Cruise the calm protected waters of the Intercoastal Waterway. Go to the Morikami Museum and Japanese Gardens, (561) 495-0233, with it?s 2 museum buildings which house 5,000 Japanese art objects and artifacts, such as a 500-piece collection of tea ceremony items, more than 200 textile pieces and recent fine art acquisitions, and it is 200 acres of extensive Japanese gardens with walking paths, resting areas, tropical bonsai collection, small lakes overflowing with koi along with other wildlife, nature trails, pine forests and park and picnic areas. Go to the American Orchid Society, (561) 404-2000, a botanical paradise with thousands of orchids on it?s 3.5 acres of themed gardens along with a spectacular display greenhouse. Play tennis at the Delray Beach Tennis Center, 561-243-7360, with it?s 14 clay courts and 7 hard courts, an upstairs pavilion and conference room, and a pro shop with a locker room, racquet stringing and merchandise. Go shopping in downtown Delray Beach, with it is brick sidewalks, historic architecture, antique shoppes, gift shoppes, boutiques, art galleries and more.

If you would like more to do, take a scenic drive down to Miami, stop in Fort Lauderdale along the way, or go up to Palm Beach and shop on Worth Avenue. Take a tour of the everglades or go sport fishing. You will find enough activities in or near Delray Beach to help keep you busy for a day, a week, a month or perhaps for a longer time.

For more info concerning the city of Delray Beach, Florida see: http://delraybeachfl.usacitydirectories.com, a directory of links to the city of Delray Beach, Florida guides and directories listing hotels, restaurants, attorneys, real estate brokers, information, resources, services, things to do, places to go and more.

If you want more information on best beaches in Florida, don?t read just rehashed articles online to avoid getting ripped off. Go here: Best beaches in Florida

Source: http://articlessurf.com/travel-leisure/visit-delray-beach-florida

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On Streaming Audio | hopegrowsrecovery.com

July 29th, 2011 ? 06:07

One of the advances in technology that is receiving more and more recognition each day is streaming audio. This is the ability to listen to an audio track via the internet in the same time it is being downloaded. Being an advanced technology, it has eradicated the traditional and old way of recording audio files by downloading the files first. This is a better alternative that is why it is being used extensively among audio radio stations.

People generally listen to good music over the radio and what better way could people adopt this liking than to listen to their favorite tracks over streaming audio radio stations. This is also a way to generate online income by introducing advertising and marketing of products through these cyber radio stations.

In the growing years, the only form of audio that was available on the net was that of compressed sound files called MP3s. When companies have provided methods of people downloading music files for free, this method generated a lot of traffic on respective websites. The downside was that through this method of downloading, it created illegal activities by downloading copyrighted original songs of artists, and the like. This form of illegality is what we term as piracy which is literally losing millions of dollars in the music and film industry even to date.

The new generation streaming audio however modified everything through its audio radio stations online. This time a user is strictly not allowed to download copyrighted song lists, though you can find companies now that allow you to include their streaming audio radio stations in your websites. This service is for free since they get the needed income from advertisements they have incorporated in their streaming audio radio programs. To avail of such feature, you simply have to create an account with specific streaming audio radio stations and add a script about such station in your blog or your site.

This is another breakthrough in advanced technology that could earn you the profit that you wanted to acquire. Streaming audio radio stations are great ways to achieve that goal into reality.

Source: http://www.hopegrowsrecovery.com/business-finance/internet-marketing/on-streaming-audio

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Caffeine powder for energy drinks probed - Germany's news in English

Published: 27 Jul 11 14:55 CET
Online: http://www.thelocal.de/society/20110727-36567.html

Berlin authorities are investigating a caffeine powder meant to be mixed into drinks, amid allegations that it could be dangerous and confused with drugs like cocaine.

Known as ?Coffaina? and coming in small 120 milligramme baggies, the product has been sold for ?2 apiece at Berlin newsstands for the past month as an energy supplement.

But some people have worried that the product is dangerous because young people could easily overdose on it or that it could have illegal substances in it.

Investigators are trying to determine whether the product really is caffeine or has any banned ingredients. Test results should be available within a few weeks. If authorities determine it is safe, it can continue to be sold.

In extreme cases, an overdose on caffeine is possible, but that would take a massive dose of three to ten grammes, said Ursula Sellerberg, a pharmacist and spokeswoman for the Federal Union of German Associations of Pharmacists (ABDA).

"This is rare, however, because soon after oral ingestion of overdoses, vomiting occurs," she said.

Sellerberg said the sale of a caffeine powder isn?t a problem unless it is being sold for medical purposes.

?Fatigue is not a disease,? she said, pointing out that caffeine tablets are already available at pharmacies.

Coffaina?s manufacturer, a 30-year-old Berliner who runs a company he calls 2Drinks, said he was surprised by all the controversy surrounding his product.

He said those who compare Coffaina to drugs ?probably has something to do with drugs themselves.?

The man added that the powder is targeted at adults over 25 and is meant to be mixed into drinks like water or fruit juice to provide a burst of energy. His eventual goal is to expand into other large German cities.

?We have also explained to the kiosk vendors that this is not for children,? he said.

The Local/DAPD/mdm

Source: http://www.thelocal.de/society/20110727-36567.html

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China defends carrier plans, neighbors fret over buildup (Reuters)

BEIJING (Reuters) ? China's neighbors are worried its aircraft carrier program may in time intimidate regional rivals but its military on Thursday defended the plan as vital for maritime security.

A day after China confirmed it was refitting an old Soviet vessel, and sources told Reuters it was building two of its own carriers, the official Liberation Army Daily stressed the mix of patriotic glory-seeking and future security worries behind the decision.

China's humiliations at the hands of Western powers in the past centuries "left the Chinese people with the deep pain of having seas they could not defend, helplessly eating the bitter fruit of being beaten for being backward," said a front-page editorial in the paper.

That trend is changing as Beijing ramps up its military spending while Washington discusses cutting its much larger defense budget. Growing Chinese military reach is triggering regional jitters that have fed into longstanding territorial disputes, and could speed up military expansion across Asia.

In the past year, China has had run-ins at sea with Japan, Vietnam and the Philippines. The incidents -- boat crashes and charges of territorial incursions -- have been minor, but the diplomatic reaction often heated.

"The issue of transparency regarding China's defense policy and its military expansion itself are concerns not only for Japan but for the region and the international community," Japan's Chief Cabinet Secretary Yukio Edano said on Thursday.

In the 2012 budget submitted to Congress this week, the Philippines wants to raise military spending to 8 billion pesos ($190 million) per year from a previous 5 billion.

"(China's military modernization) serves as a clarion call for the Philippines to also upgrade its military capability to patrol its waters," said Rommel Banlaoi, executive director at the Philippine Institute for Peace, Violence and Terrorism Research.

The Chinese carrier program could fuel the drive for submarines in Southeast Asia, said Rory Medcalf, program director of International Security at the Lowy Institute for International Policy in Sydney.

"There is already a submarine race, or submarine capability competition, in the region. This could add to that dynamic but I do not think it will be fundamental driver of it," he said.

COUNTERMEASURES

Japan's plan to boost the number of its submarines to 22 from 16, announced last year, was mainly a response to China's naval buildup, said Narushige Michishita, associate professor at Japan's National Graduate Institute for Policy Studies.

"Japan is already taking some countermeasures," he said.

As well as refitting the old Soviet-era carrier bought from Ukraine in 1998, China is building two indigenous aircraft carriers as part of a broad modernization program, sources told Reuters on Wednesday.

"Putting it in the overall context of China's expanding and modernizing military, there is some cause for concern," said Daniel Pinkston of the International Crisis Group in Seoul.

South Korea disputes territory with China, which is the major backer of the principal threat to security on the Korean peninsula, the North.

Taiwan, the self-ruled island China claims as its own and has never renounced the use of force to recover, will also be watching closely. It warned again last week about Beijing's growing military threat.

"In the previous 60 years, the threat to Taiwan was all from the west," said Alexander Huang, professor of strategic studies at Taipei's Tamkang University. "But with a moving platform, China can pose a threat to Taiwan from the eastern side, which means that Taiwan is threatened from all directions."

Others point to India, China's great rival as an emerging Asian economic and military powerhouse.

"If the Chinese leave the west Pacific, there's only one areas they're interested in, the Indian Ocean. In that sense, competition with (India) is inevitable," said Raja Menon, a former rear admiral in the Indian navy.

China's Liberation Army Daily identified future risks as a rationale for the carrier program, which will take many years to create an operational carrier force.

"The struggle to win maritime interests is increasingly intense," the editorial added. A powerful navy is "an inevitable choice for protecting China's increasingly globalised national interests," said the paper.

President Hu Jintao has made the navy a keystone of China's military ramp-up, and the carriers will be among the most visible signs of the country's rising military prowess.

China has repeatedly denied its military modernization is for anything other than defensive purposes, pointing out it that it spend far less than the United States on its military. ($1 = 42.110 Philippine Pesos)

(Additional reporting by Jeremy Laurence in Seoul, Kiyoshi Takenaka in Tokyo, Michael Perry in Sydney, C.J. Kuncheria in New Delhi, Manuel Mogato in Manila and Christine Lu in Taipei; Editing by Daniel Magnowski and Jonathan Thatcher)

Source: http://us.rd.yahoo.com/dailynews/rss/asia/*http%3A//news.yahoo.com/s/nm/20110728/wl_nm/us_china_carrier

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Retail Industry in India:challenges ... - Business and Finance

By Muslihun Al Lampani on July 26th, 2011

Introduction

Retailing involves all activities incidental to selling to ultimate consumer for their personnel family and household use. It does this by organizing their availability on a relatively large scale and supplying them to a customers on arelatively smallscale. Retailer is any person/organization instrumental in reaching the goods or merchandise oer services to the end users.Retailer is a must and cannot be eliminated.

The Indian retailing industry is becoming intensely competitive, as more and more payers are Vying for the same set of customers. The major retail players are Pantaloon Retail, Shoppers Stop, Reliance,etc..,

Retailing is one of the biggest sectors and it is witnessing revolution in India. The new entrant in retailing in India signifies the beginning of retail revolution. India?s retail market is expected to grow tremendously in next few years. According to AT Kearney, The Windows of Opportunity shows that Retailing in India was at opening stage in 1995 and now it is in peaking stage in 2006. India?s retail market is expected to grow tremendously in next few years. India shows US0 billion retail market that is expected to grow 10% a year, with modern retailing just beginning. India ranks first in 2005. In fact, in 2005 and 2006, India is the most compelling opportunity for retailers, because now India is in peaking stage.

This window of opportunity is useful for executives who plan their market-specific strategies; the four stages or the lifecycle of this industry is as as follows:

Introduction:

An introduction is the opening phase of a market and is one that is just entering the GRDI, Global Retail Development Index This index is based on more than 25 macro-economic and retail ?specific variables.for instance ,the country risk includes parameters like political risk,economic performance,debt indicators,credit ratings,access bank finance and business risk.The market attractiveness covers reail sales per capita ,urban population ,laws and regulations and business efficiency.

Iin this stage all, which are outside the top 30 markets, falls in this stage. At this stage, retailers should monitor and performing high-level assessments, they should plan for their entry strategies. India in the late 1990?s is a good example in the opening stage, while in 2006, Kazakhstan is the country in introduction stage.

Stategy suggested:A rapid penetration strategy is suggested at this stage i>e low price and high promotion.

Growth:

In growth stage, the market is developing quickly and also ready for modern retailing. Countries, which are in Peaking stage, are India, Ukraine and Vietnam. Retailers entering this stage have the best chance for long-term success. Retailers at this stage should enter through local representations, sourcing offices and new stores. Wal-Mart success in china in the late 1990?s and early 2000?s gives us the importance of committing to a promising high-growth market at right time.

Strategy suggested: The strategy of adopting quality and styled products with new models and shift of advertising from product awareness to product preference Eg the big bazaar advt says surf exel is cheaper than the market price.The idea behind adopting strategy is to strengthen against competitors.

Maturity:

In this stage the market is still big and growing, but the space for new entrants will become tighter and retailers should act quickly at this stage because retailers at this stage have limited time to explore, and also their margin for error is thin. In general , they should act according to the established rules and should be open to face the competition from international retailers. This stage generally lasts longer than the previous two stages.

Strategy suggested: Enter new market segments that is either enter new geographic areas eg vishal megha mart has opened stores in smaller cities tier II and III cities

Decline:

The window of opportunity is closing fast and modern retail share is reaching 40 to 60 percent. Though the opportunity is closing the existing retailers can enter with new formats such as discount models or non-food formats such as consumer electronics and apparel.

Window of opportunity ends for about 5 to 10years before a market enters the closing phase and reaches saturation level. India for example, was in the opening stage in 1995 and entered peaking stage in the year 2003 and reached number 1 rank in2005.

Strategy suggested: Identifying weak segments, maintaining investment level selectively.

Unorganized retailing in India

In India, the most of the retail sector is unorganized. In India, the retail business contributes around 11 percent of GDP. Of this, the organized retail sector accounts only for about 3 percent share, and the remaining share is contributed by the unorganized sector. The main challenge facing the organized sector is the competition from unorganized sector. Unorganized retailing has been there in India for centuries, theses are named as mom-pop stores. The main advantage in unorganized retailing is consumer familiarity that runs from generation to generation. It is a low cost structure, they are mostly operated by owners, has very low real estate and labor costs and has low taxes to pay.

Organized retailing in India

In late 1990?s the retail sector has witnessed a level of transformation. Retailing is being perceived as a beginner and as an attractive commercial business for organized business i.e. the pure retailer is starting to emerge now. Organized retail business in India is very small but has tremendous scope. The total in 2005 stood at 5 billion, accounting for about 11% of GDP. In this total market, the organized retail accounts for only billion of total revenue. According to A T Kearney, the organized retailing is expected to be more than billion revenue by 2010.

In organized retailing will grow faster than unorganized sector and the growth speed will be responsible for its high market share, which is expected to be $ 17 billion by 2010-11.

Retailing will show good prospects in cities like Mumbai, Delhi, Chennai, kolkata, Banglore and Kanpur. After Dubai, Singapore and Hong Kong, In India Delhi will be the next big retail destination, According to Confederation of Indian Industries whose findings have shown that Delhi has the good resources and good conditions for the retail sector. Out of the total earnings of the Government of Delhi Rs 11,000 crore, Rs 6,500 crore is achieved from the retail sector.

- Share of Organised Retail

1999 2002 2005

Total Retail (in billion INR) 7000 8250 10000

Organized Retail (in billion INR) 50 150 350

% Share of Organized Retail 0.70% 1.80% 3.5%

The organized sector is expected to grow faster than GDP growth in next few years driven by favorable demographic patterns, changing lifestyles, and strong income growth. This organized retail sector mix includes supermarkets, hypermarkets discounted stores and specialty stores, departmental stores. For example, Spencer network has 69 stores, which includes seven Spencer hypermarkets, three Spencer super markets and 49 Spencer Dailys. Now the company is planning to open 20 stores in 10 cities in six months. The top 10 retailers account only for 2% of total market, today modern retailing is expected to enter a boom phase, which has major players and these players might capture 10% of total market, within next five years. The retail sales in India for future are shown below (data from 2005-2008 is based on estimates):

PRESENT INDIAN SCENARIO

* Unorganized market: Rs. 583,000 crores

* Organized market: Rs.5, 000 crores

* 5X growth in organized retailing between 2000-2005

* Over 4,000 new modern Outlets in the last 3 years

* Over 5,000,000 sq. ft. of mall space under development

* The top 3 modern retailers control over 750,000 sq. ft. of retail space

* Over 400,000 shoppers walk through their doors every week

Growth drivers in India for retail sector

? Rising incomes and improvements in infrastructure are enlarging consumer markets and accelerating the convergence of consumer tastes.

? Liberalization of the Indian economy

? Increase in spending Percapita Income.

? Advent of dual income families also helps in the growth of retail sector.

? Shift in consumer demand to foreign brands like McDonalds, Sony, Panasonic, etc.

? Consumer preference for shopping in new environs

? The Internet revolution is making the Indian consumer more accessible to the growing influences of domestic and foreign retail chains. Reach of satellite T.V. channels is helping in creating awareness about global products for local markets.

? About 47% of India?s population is under the age of 20; and this will increase to 55% by 2015. This young population, which is technology-savvy, watch more than 50 TV satellite channels, and display the highest propensity to spend, will immensely contribute to the growth of the retail sector in the country.

? Availability of quality real estate and mall management practices

? Foreign companies? attraction to India is the billion-plus population.

Employment opportunities in retail sector in India

India?s retail industry is the second largest sector, after agriculture, which provides employment. According to Associated Chambers of Commerce and Industry of India (ASSOCHAM), the retail sector will create 50,000 jobs in next few years.

Retail companies are starting retail manamgent courses in partnership with management institutes, roping in talent from other sectors and developing comprehensive career growth and loyalty plans for existing employees.

Top players like Pantaloon Retail India Limited, Trent, Shopper?s Stop, RPG Group and ebony are virtually on their toes.

Consider the plans of largest player, The Pantaloon Retail India Ltd, the company has developed a comprehensive strategy, where in it expects that in 2years, it will not recruit any new managers from outside.

?The estimated need is 1 lakh of employees till 2011?, said Mr. Sanjoy Jog, HR Head at Pantaloon Retail India Ltd. Pantaloon has the concept of partnership with educational Institute to run retail courses across the entire chain. The company has tied up with 11-B schools including K J Somaiya , Welinkars, Narsee Monjre and IISWBM. ?The students joins the course and they are given an appointment letter by Pantaloon to become employees? said Mr. Jog, Pantaloon. Pantaloon is also planning to tie up with Ahmedabad-based National Institute of Design to start a course in visual merchandising. ?The apex body of Indian organized retailers, Retailers Association of India( RAI) is also lending help hand to tide over the shortage of employees in organized retail sector.

Trent has also started in-house learning programmes and now goes to under graduate colleges to recruit students.

Since, the job market is hugely receptive to this with more and more business schools focusing on the sector and large retailers setting up retail academics.

Challenges of Retailing in India

In India the Retailing industry has a long way to go,and to become a truly flourishing industry, retailing needs to cross the following hurdles:

* The first challenge facing the organized retail sector is the competition from unorganized sector.

* In retail sector, Automatic approval is not allowed for foreign investment.

* Taxation, which favors small retail businesses.

* Developed supply chain and integrated IT management is absent in retail sector.

* Lack of trained work force.

* Low skill level for retailing management.

* Intrinsic complexity of retailing- rapid price changes, threat of product obsolescence and low margins.

* Organized retail sector has to pay huge taxes, which is negligible for small retail business.

*Cost of business operations is very high in India.

Conclusion

Many agencies have estimated differently about the size of organized retail market in 2010. The one thing that is common amongst these estimates is that Indian organized retail market will be very big in 2010. The status of the retail industry will depend mostly on external factors like Government regulations and policies and real estate prices, besides the activities of retailers and demands of the customers also show impact on retail industry.

As the retail market place changes shape and competition increases, the potential for improving retail productivity and cutting costs is likely to decrease. Therefore it is important for retailers to secure a distinctive position in the market place based on values relationships or experience.

Finally it is important to note that these strategies are not strictly independent of each other; value is function of not just price quality and service but can also be enhanced by personalization and offering a memorable experience

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Source: http://www.cagull.org/1361-retail-industry-in-indiachallenges-opportunties-and-strategies.html

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Cash Paid Surveys ? Extra Income Generators - All about online ...

Cash Paid Surveys ? Extra Income Generators

Article by Edg holm

Cash paid surveys have become a significant source for extra cash for many people today, whether this is Paid Paypal Surveys or through other ways of paying. It is a very convenient and easy way to earn extra money with very little work, in the comfort of your own home. This sounds unbelievable to some, but it is true. If you are looking for an income generator from your own home, then prepare yourself before taking the plunge.

How To Get Setup with Cash Paid Surveys

The first thing to do is to select a few sites that offer cash paid surveys and read carefully what they are offering you. There are basically two kind of paid survey sites:

- sites that offer you direct access to the marketing companies who process the surveys.

- sites act as ?the middle man?

On the first type of sites you will have to browse a database and apply for the surveys you are interested in.

The ?middle man? sites have agreements with big marketing companies from which they receive the surveys and then distribute them through their registered users. With these kind of sites, you will have to passively wait for surveys to complete.

Be Aware Of The Non Cash Paid Sites

You should also be aware that not all paid surveys are actually cash paid surveys? Some surveys do not offer money as a reward for completing them. Instead, you might receive a free product or a service as your reward; discounts at certain merchants, vouchers or coupons, free trials, etc.

There are even surveys out there that allow you to participate in a competition upon their completion. If you are not really interested in these kinds of remunerations, it?s better to make this decision yourself in advance to avoid disappointment later.

Another important issue to sort out is how you will get the cash and who is paying. If you have joined a mediator type of survey site, you are usually paid by that site, not the one you are doing the end survey for. If you on the other hand have joined a database of companies seeking survey participants you are likely to be paid by the surveying company. Regardless of the details you should be aware of the payment method they use ? are you going to be paid by check or by bank transfer etc.

Double Check Your Details!

Finally you should make sure that your personal details will be used as stated in the contact details you originally submitted. Unfortunately, there are still many fraud survey web sites out there that would offer you to participate in a cash paid survey, for the sole purpose of getting hold of your personal details. From there, your details can later be sold to other companies and you may end up receiving hundreds of unsolicited mail and SPAM emails.

Cash paid surveys are fun and they can help you improve your lifestyle with no hassle at all? just make sure you do your homework beforehand.

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Mitch McConnell: Congress committed to prevent default (tbo)

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GRAMMY | CHIAVIDA

GRAMMY?-Winning Producer and Full Sail University Graduate Returns to Campus With The Jacob Jeffries Band

Sebastian Krys and Garry Jones

Winter Park, FL (PRWEB) October 30, 2008

Full Sail University (http://www.fullsail.edu ), welcomed Full Sail graduate and eleven-time GRAMMY? winning Producer/Engineer (including the Latin GRAMMY? ?Producer of the Year? in 2007), Sebastian Krys, back to its Winter Park, FL campus. The campus offered the background location for a professional music video shoot featuring the Jacob Jeffries Band (http://www.jacobjeffriesband.com ), and Krys also dedicated his first Latin GRAMMY? Award as a producer to Full Sail in honor of his Recording Arts education.

Krys, Emmy Award winner Dan Warner, and Melanie Masterson served as the producers for The Jacob Jeffries Band collection of music, and fellow Full Sail Film Graduate, Carl Verna served as the director on this music video project. Verna has worked with other artists such as Mariah Carey, Mary J. Blige and Sheryl Crow. To begin the shoot, Krys, dedicated his GRAMMY? Award to Full Sail University in hopes that it would be displayed as a symbol of his recording career which began 17 years ago on this very campus.

?I chose Full Sail as the location for this project because of its continued reputation as one of the premiere media arts universities in the world,? said Krys. ?The renowned recording facilities, Film Backlot environment, and student and staff talent is incomparable. My goal when I attended Full Sail was to make a living as a producer. I found it a fitting way to pay tribute to the staff and the administration, and to ask the school to display this GRAMMY? here on campus, along with the many other accomplishments of my peers that have gone through Full Sail University.?

The shoot took place on Saturday, October 18 on Full Sail University?s Film Backlot. It was the third recording for the band, however their first in a live DVD format recorded, produced and filmed entirely by Full Sail University. The more than 100 crew members included students and staff from the Film, Recording Arts and Show Production & Touring Degree Programs, and the shoot also featured a crowd of Jacob Jeffries Band fans from throughout the state of Florida.

The Jacob Jeffries Band is the 2008 Florida GRAMMY? Showcase Winning Band and have performed at this year?s NAMM Conference in Anaheim, CA, the Sundance Film Festival in Park City, UT, and in Austin, TX for the SXSW (South by Southwest) festival. Jacob released his debut CD, ?Life As An Extra? in March 2008, followed shortly thereafter by the EP, ?Wonderful.?

?Hearing Sebastian?s belief in Full Sail and how this University made a difference in the scope and life of his career makes us incredibly proud,? said President of Full Sail, Garry Jones. ?Dedicating his GRAMMY? Award is symbolic of a dream that came true for someone we hold dear, and we are honored to serve as a witness to his accomplishments and share in his moment.?

Alumni Director Jay Noble further added, ?Working with Sebastian and the Jacob Jeffries Band on this project has been an amazing experience for Full Sail students and staff. To have a graduate return to campus and inspire the students who are now following in his footsteps, is a remarkable thing to watch.?

About Full Sail University:

Since 1979, Full Sail University, located outside of Orlando, FL, has been an innovative educational leader for those pursuing careers in the entertainment industry. With over 29,000 alumni, graduate credits include work on Oscar, Emmy and GRAMMY? -winning projects, best-selling video games, and the #1 grossing U.S. concert tours. Full Sail?s 190-acre campus proudly welcomes over 6,000 students from 50 states and 50 countries.

Full Sail currently offers a total of sixteen degree programs including: Associate of Science Degrees offered in Graphic Design, Recording Arts and Show Production & Touring; Bachelor of Science Degrees offered in Computer Animation, Digital Arts & Design, Entertainment Business (online and on-campus), Film, Game Art, Game Development, Internet Marketing (online), Music Business and Web Design & Development; and Master of Science Degrees in Education Media Design & Technology (online), Game Design (online), Entertainment Business (online and on-campus) and Internet Marketing.

Full Sail was most recently was named the 2008 ?School/College of the Year? by the Florida Association of Postsecondary Schools and Colleges. The university has also been named: The Harvard of Game Schools by Tips & Tricks Magazine; one of the top three New Media Schools by Shift Magazine (alongside the Massachusetts Institute of Technology and New York University); one of the Top Five Game Degree Programs in the world by Electronic Gaming Monthly; one of the Best Music Programs in the country by Rolling Stone Magazine; one of the Best Music Business Departments in the Schools That Rock: The Rolling Stone College Guide; and one of the Best Film Programs in the country by UNleashed Magazine.

For more information about Full Sail, please visit http://www.fullsail.edu.

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7 Things to Know Before Financing and Budgeting For Your Event ...

seven Points to Know Before Funding and Budgeting For Your Function

Report by MSF Activities

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American poet Richard Armour as soon as explained, ?That money talks I am going to not deny I heard it as soon as, it stated ?Goodbye??. Even though we doubt that Richard ever before experimented with to finance his individual convention or occasion, he surely understood how organisers experience when hoping to balance that wonderful principle with a healthy looking spending budget.

The factor to remember is that although expense columns have a behavior of ending up longer than anticipated, there are a lot of techniques that you can enhance your celebration income aside from the common ticket product sales, workshop charges, and so forth. Right here are seven finance and budgeting methods for gatherings that will assist carry a smile to your Finance Manager?s confront:

one. Applying for a Federal government GrantIf you are keeping a neighborhood celebration, you can use for funding from your State Ministry for the Arts, the Australia Council, and numerous other authorities departments or philanthropic organisations.

As with most Government connected requests, the method can get months so utilize at least six-12 months in advance. Be positive to verify that your event matches their standards just before you commence so you aren?t waiting all around for a certain ?Dear John? letter.

Issues to know:* Be prepared to obtain much less cash than you utilize for* If the amount supplied will compromise your undertaking to an unacceptable stage, you are better hoping somewhere else* Modest grants ? smaller apps. Huge grants ? prolonged in depth apps* Have a ?Plan B? in scenario it falls by way of

Helpful web sites:www.arts.nsw.gov.au ? NSW Ministry for the Arts/Australia Council grant guidelineswww.ozco.gov.au ? A calendar and directory of neighborhood fundingwww.grantslink.gov.au ? A manual to all commonwealth govt fundingwww.grantsearch.com ? Australia?s most considerable funding database

two. GST on Grants and SponsorshipIf you are registered for GST, tax should be compensated if a grant or sponsorship has strings attached, even for in-kind assistance. Examples might be that the grant is expended in a specific way, or presented in trade for publicity and/or other advantages through your celebration.

three. Discovering your own SponsorsThe most successful location to commence hunting for function sponsors is in your regional location. Local corporations, clubs and organisations will often get powering an celebration to be recognised as a supporter of their personal neighborhood. Sponsorship can consider numerous varieties like cash, food and beverages, raffle prizes, cost-free advertising etc. You could organise for a nearby organization to team up with your local newspaper to reveal the expense of a total page advertisement of the occasion with room obtainable for their individual logos or advertising.

Points to take into account:* Start organizing your sponsorship investigation six ? 12 months in advance* Sponsorship is about doing a mutually beneficial deal* Document all negotiations and agreements in writing in case things flip sour* If you are looking for large quantities of sponsorship money think about selecting a specialist to help* Present celebration sponsors with publicity material, these kinds of as programmes* Let sponsors display promotional materials at the occasion* Deliver them a thank you letter and let them know how you utilised their assistance additionally the advantages* It can be not all about the dollar. In-sort support this sort of as raffle prizes, food and beverages or other celebration companies are just as precious* Approach all acceptable likely neighborhood sponsors ? companies, tradespeople, browsing centres, organisations, clubs, even schools can all be approached* Publish a letter and then next it up with a mobile phone call or a private visit* There are a lot of methods to recognise people?s support in-sort which includes promoting, a VIP segment at the function, a gift

four. Raffles, Lotteries, Artwork UnionsEveryone loves a prize ? as extended as they can use it. Raffles and lotteries are a wonderful way to increase money, add worth to your celebration and generate a feeling of pleasure. Just make certain the prizes are merchandise or companies that show common with your viewers. The final thing you want is for your visitors to feel pressured into purchasing a ticket for a thing they are not intrigued in or it could leave a poor flavor in their mouth.

What is a raffle?* It is a lottery conducted to raise funds for a non-revenue organisation* The entire value of prizes does not exceed ,000* Tickets are drawn from a barrel/hat/and so on and prizes are distributed* A permit is not necessary, but there are some constraints

What is an artwork union prize?* It is a lottery where the complete appeal of prizes exceeds ,000* They may possibly only be executed below an authorising permit

Check out http://www.olgr.nsw.gov.au for further details.

5. Drafting a Real BudgetYou can only devote what you have. It really is essential that you have a excellent thought of how a lot dollars you will want to run the function and what the funds will be put in on.

Issues to consider:* Be as practical as probable with your costings* Include everything you may possibly want from performers to letterbox drop to nearby residents and 1st assist workers* Research every single specific place to get sensible rates* Costing every location individually may support you in getting sponsorship or a grant* Don?t assume artists to give their providers cheaply or for cost-free* Get at least three quotes where possible* Try out and depart a minor extra in the finances for unforseen costs and repairs

6. Overseeing and Approving your BudgetA man or woman or committee should to be nominated to secure funds for your event and ensure it stays inside of price range. The individual or an individual on the committee should know about accounting and/or finances.

Duties may possibly consist of:* Estimating charges and drawing up a draft budget* Presenting up-to-date fiscal reviews to hold the event in finances* Creating a receipting and expenditure program* Figure out rates for tickets, performances, workshops stalls, and many others* Managing ticketing and creating a technique for revenue selection on the day* Discovering out current award rates for salaries and on-charges* Arranging an audit if necessary

seven. Working Your BudgetThere is no position creating an accurate spending budget and then selecting to include extra pursuits, or employ additional folks if you will not have cash arranged apart. Take our term for it, stick to your sport prepare and your odds of tension-associated belly ulcers will be substantially reduced.

Issues to take into account:* Even if the most excellent concept hits you, do not attempt to throw it in and convince yourself you are going to uncover the funds later on. Save it until finally next time and spending budget for it* If you need to make cuts, exactly where can you do it first?* Make sure money donated or promised is obtained and receipted* An event accounts book should document everything* Ideally funds really should be readily offered as required e.g. grant programs* Hold some hard cash in hand for small or on-the-spot costs* Performers could require on the spot payment* Preserve the money collected in risk-free place/with Security* Current a final finances to the boss/committee as in the near future as possible following the occasion

Examples of things to be budgeted:

Cash flow* Grants* Sponsorship* In type support ? workers phone, web, free of charge promoting, and so on* Donations* Merchandising* Service fees ? stalls, subscriptions, workshops, vendors* Ticket product sales ? admissions, raffles, admissions, liquor salesExpenditure* Salaries/Wages ? organisers, performers, technicians, labourers, etc* Insurance policy* Venue Hire* Cleansing* Marquees* Web site decorations* Publicity &amp Advertising ? media packs, advertising, evaluation forms, etc* Documentation ? photos, videos, and so on* Legal fees* Administration* Protection* Tools Retain the services of* Permits* Travel and Transport* Initial Help* Auditing and Accounting Solutions

About the Creatorthirteen

Established eleven decades ago, MSF Events offers event design and style and manufacturing providers.

MSF Activities comprises a staff with a prosperity of business encounter to provide a range of occasion solutions customised to align your occasion goals with your broader results.

MSF Activities operates an extensive info base of venues and can assist with alternative of venue, site inspections and venue liaison.

Whether your function is an intimate cocktail get together for 50 or a s

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Biotech 2009-Daily life Sciences: Navigating the Sea Alter is the 23rd edition of this yearly publication. It offers a compass to guidebook you via the present economic marketplace turmoil. The 400-furthermore page ebook includes examination and perspectives on the overall performance of the sector in 2008 and projections for 2009 and over and above. The biotech market has had practically 40 many years of straightforward entry to low-cost funds. The cash markets have for good restructured, creating accessibility to cash more hard and high-priced to access. The changes suggest: ? Purchase-aspect curiosity and assets are reduced. ? Enterprise capitalist and non-public investors no lengthier can count on IPOs for exits. ? Big Pharma is not as keen to make bargains. As these firms see it, engineering will be cheaper to buy if they wait. ? Falling oil rates might gradual the momentum for alternate fuels. About Burrill Media Burrill Media is the creator, sponsor and facilitator of more than a dozen foremost sector conferences around the world and publishes a wide variety of bio-intelligence studies. Yearly conferences include The Biotech Meeting, The Indiana Life Sciences Discussion board, The Burrill Personalized Medicine Meeting, The Getting older Meeting and The Stem Cell Meeting. Burrill Media publications include the yearly State of the Business, The Customized Medication Report, The Stem Cell Report, and periodic newsletters covering Canada, China, Europe, India, Japan and Partnering/M&A. Burrill also publishes The Burrill Report, a bimonthly journal.OneMedTV is ?
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Protect Buyers Financial Interests Through Building Inspectors ...

Purchasing a new home can be a very exciting prospect, as you seek to take advantage of unique opportunities that will help you to improve the residence or capitalize on monetary possibilities. There are a lot of resources that a potential buyer can turn to, when seeking to improve the opportunities that persists with making a smart investment that will offer significant financial return over time. One unique possibility that every buyer should pursue, prevails with house inspections.

Every real estate investment decision comes with a certain degree of risk, as you are making such a greatest financial investment decision out of your own personal financial savings. When you can recognize resources that will help you to reduce this risk, you will be able to develop the confidence that you are making a sensible investment, which will likely provide you with economical success. The usage of building inspectors can prove to be very important, so you can cut down on risks by identifying pre-existing issues.

Every residence has its own problems, which can vary from something as simplistic as a leaking pipe, to something as complex as termite infestation. When you gain access to the resources of house inspections, you will be able to make use of a service that will provide a complete home inspection. This will help to recognize potential problems that are prevalent with the home you are interested in buying, so that you can get to know the added costs you may be expected to pay, in order to repair these real estate risks.

By recognizing potential problems through the resources of building inspectors in Melbourne, you will be able to hold the current homeowner accountable for these repairs, prior to making a purchase. While there may be events where a sale is lost as an outcome of the many problems that are developed through a house inspection, it does help to protect you from having to become liable for the huge amount of expense associated with home repair and improvement. When a owner of a house is unenthusiastic to pay for these repairs, there is another unique opportunity you can take very good advantage of.

When your house inspections reveals issues and a homeowner is unwilling to pay for the repairs, another opportunity to pursue is found with gaining a greater reduction on your home investment. To avoid the hassle associated with repairs, many homeowners are eager to further reduce the price of their property, in order to sell it without being accountable for any repairs. This can prove equivalent to a home buyer, when the probable repairs are required to be done can be achieved at a reduced cost, than the reduction you are receiving on your real estate property investment.

To discover more on the exclusive possibilities that are available to any homeowner when they make the investment into building inspectors Melbourne, go to http://www.spipropertyinspections.com.au.

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Nissan expands Leaf's US availibility, makes seat warmers standard

Hey Leaf owners -- that's right, all 4,000 of you -- it looks like Nissan took your complaints feedback to heart and is making a few standard additions its EV auto line. Prospective owners of the yet-to-be delivered 2012 models can look forward to the inclusion of a DC fast charge port that'll have your roadster 80 percent juiced in under 30 minutes and some cold weather features -- like heated seats and a battery warmer. The Japanese carmaker also announced plans to expand availability of the auto to Illinois and parts of the southeastern US, and will open reservations to the general public once existing orders are fulfilled. So that's the good, now are you ready for the bad? These electric hatchbacks are getting a new, higher MSRP that takes the SV trim level model to $35,200 and the SL to $37,250. It's an entirely reasonable price to pay for warm buns and, hey, you're saving the planet.

Continue reading Nissan expands Leaf's US availibility, makes seat warmers standard

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Latest developments in debt ceiling standoff (AP)

Congress has until Aug. 2 to raise the federal borrowing limit or the government will run out of money and possibly default on its debt. House Republicans say they won't raise the debt limit without equal spending cuts. President Barack Obama and Democrats insist that higher revenues must be included.

Wednesday's developments: Obama signaled he might be open to a short-term debt solution if a larger, long-term deal was in place. The president called Democratic and Republican leaders back to the White House for separate negotiations. The key question with time running short: What will it take to muster enough votes from both parties to muscle legislation through the House and Senate and raise the national debt limit?

Markets react: The stock market drifted between slight gains and losses Wednesday as analysts said concerns about lifting the U.S. debt limit overshadowed strong earnings from Apple and several new deals.

What's Next: Senate begins debate on GOP's House-passed "cut, cap and balance" plan that conditions any increase in the government's borrowing authority on congressional passage of a balanced budget constitutional amendment and more spending cuts. Obama continues negotiations with Republican leaders, looking for a bipartisan solution.

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Some background:

Q: What is the debt ceiling?

A: It's a legal limit on how much debt the government can accumulate. The government takes on debt two ways: It borrows money from investors by issuing Treasury bonds, and it borrows from itself, mostly from the Social Security trust fund, which comes from payroll taxes. Congress created the debt limit in 1917. It's unique to the United States. Most countries let their debts rise automatically when government spending outpaces tax revenue. Congress has increased the debt limit 10 times since 2001.

Q: What is the federal deficit, and how does it differ from the debt?

A: The deficit is how much government spending exceeds tax revenue during a year. Last year, the deficit was $1.29 trillion. The debt is the sum of deficits past and present. Right now, the national debt totals $14.3 trillion ? a ceiling set in 2010.

Q: Why is the prospect of not raising the debt ceiling so worrisome?

A: The government now borrows more than 40 cents of each dollar it spends. If the debt ceiling does not rise, the government would need to choose what to pay and what not, including benefits like Social Security, wages for the military or other bills. It also might delay interest payments on Treasury bonds. Any default could lead to financial panic weakening the country's credit rating, the dollar and the already hobbled economy. Interest rates would likely rise, increasing the cost of borrowing for the government and ordinary Americans.

Q: Who holds the $14.3 trillion in outstanding U.S. debt?

A: The U.S. government owes itself $4.6 trillion, mostly borrowed from Social Security revenues. The remaining $9.7 trillion is owed to investors in Treasury securities ? banks, pension funds, individual investors, state and local governments and foreign investors and governments. Nearly half of that ? $4.5 trillion ? is held by foreigners including China with $1.15 trillion and Japan with $907 billion.

Q: How did the debt grow from $5.8 trillion in 2001 to its current $14.3 trillion?

A: The biggest contributors to the nearly $9 trillion increase over a decade were:

_2001 and 2003 tax cuts under President George W. Bush: $1.6 trillion.

_Additional interest costs: $1.4 trillion.

_Wars in Iraq and Afghanistan: $1.3 trillion.

_Economic stimulus package under Obama: $800 billion.

_2010 tax cuts, a compromise by Obama and Republicans that extended jobless benefits and cut payroll taxes: $400 billion.

_2003 creation of Medicare's prescription drug benefit: $300 billion.

_2008 financial industry bailout: $200 billion.

_Hundreds of billions less in revenue than expected since the Great Recession began in December 2007.

? Other spending increases in domestic, farm and defense programs, adding lesser amounts.

Source: http://us.rd.yahoo.com/dailynews/rss/uscongress/*http%3A//news.yahoo.com/s/ap/20110720/ap_on_go_co/us_debt_showdown_daily_summary

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Celebrities Being Asked To Marine Corps Ball, A New Trend or Passing Phase?

Another celebrity has been asked to the Marine Corps Ball which has prompted me to wonder is this going to be a trend or a quick phase? Miley Cyrus is the latest celeb to be asked to attend the infamous ball for my favorite branch of the armed forces. The Youtube video popped up today, there has been no word yet from Miley?s camp as to whether or not she will accept this initiation. You can check out the super cute video below. If you are keeping count Cyrus is the fourth celebrity in about a week to receive an invite to the infamous ball. This got me thinking about whether or not this is a trend that will continue for awhile or passing phase. I have a feeling this is a new found trend is here to stay. Seriously I think at this rate each ball, because there are numerous throughout the country, will be like an A-kist party. Honestly though I have to say it is pretty freaking cool that these men and woman who serve our country are asking Hollywood?s finest to attend with them. Who deserves to have their famous crush on their arm for one [...]

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