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Covered Patios and Home Improvement as Investment Strategies ...

Description

In case you are a homeowner, you understand how crucial the genuine estate market place has turn into for the monetary well-being and security of you as well as your family. Your property may perhaps properly be your biggest investment, and like any other investment, it needs to be managed and protected. Regrettably, dwelling repairs are usually place off as a result of fees or the inability to discover a good contractor. Exactly the same goes for residence improvements. The addition of, say, a covered patio may very well be place off when it could add for the value and enjoyment of your property.

Do not fall into the trap of neglecting household repairs and property improvements just because the real estate market is down. If you?re selling, prospective customers are going to be extra-critical and choose houses which might be well-maintained and cared for. And in downtimes, eye-catching extras like sunrooms, decks, or pergolas are even more essential when purchasers have a massive choice of properties to pick from.

Repainting a home is a wonderful way to improve its appearance and give it what genuine estate agents call ?curb appeal.? Exterior painting isn?t difficult and quite a few property owners do it themselves, nevertheless it could be a large and messy job. A very good contractor can make issues lots easier by suggesting the appropriate paint for your house, showing various combinations of colors and cautiously selected accent colors, preparing the exterior, then do the painting rapidly and competently. Specialist preparation consists of power-washing and may possibly involve repairing wood, Masonite or Hardie plank siding and trim. This will guard against paint blistering, peeling or flaking later.

Windows are yet another location with the household that?s often neglected. Most houses currently have dual pane windows for additional insulation and sound proofing. Regrettably, the seals on older dual pane windows are generally leaky, resulting in condensation and residue amongst the panes. Leaking seals defeat the objective of dual pane windows, and also the glass becomes dull and ugly. Replacement windows speedily repair this dilemma. I held off carrying out mine because I feared it was a large, costly construction job. Then I learned that windows can normally be replaced without ripping out the frames, and found an excellent contractor who did the perform. In case you feel of replacing windows, also inquire about shatterproof, tinted, tempered and colored glass.

In case you have a covered patio or any other structure that attaches to your home, be certain to have a contractor verify for dry rot, leaks, cracks and also other damage. These factors are commonly effortless to fix, but they are able to really add up to expensive harm unless taken care of. Water leaks, especially, can result in catastrophic harm. Cracks and holes may possibly deliver access for pests, so it is improved to often that speedily.

Taking care of one?s residence is fantastic enterprise and also a very good investment. No matter if it really is building additional curb appeal with shiny new paint or an inviting covered patio should you intend to sell your property, or basically keeping your property in superior condition so that you won?t incur needless repair expenses later on, proactive dwelling upkeep tends to make sense. Quite a few homeowners shy away from those tasks due to fees as well as the challenge of obtaining a superb, trustworthy contractor. Don?t give up ? they?re around and you will be glad as soon as you come across a superb a single.

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Obama, Romney go tit-for-tat on who's out of touch

WASHINGTON (AP) ? If you haven't heard anyone label President Barack Obama or Republican rival Mitt Romney out of touch yet today, consider it a momentary lapse.

"Out of touch" is the go-to label of Campaign 2012. Both candidates are working overtime to firmly affix it to the other guy ? and to keep it from sticking to their own skin.

"Is he really that out of touch?" Romney asks of Obama.

"Romney can't hide his out-of-touch policies behind hypocritical rhetoric," Obama's own campaign counters.

The fearsome label packs a lot of punch in just three words: communicating that a candidate can't relate to voters, doesn't care about them and can't be counted on to represent their best interests.

It's a message that can be devastating to a candidate: Republican John McCain and Democrat John Kerry, the unsuccessful nominees of the past two presidential elections, both were cast by their opponents as privileged elites who couldn't relate to the concerns of ordinary Americans.

Remember McCain being pummeled for fumbling a question about how many houses he owned? Or Kerry catching grief for being photographed windsurfing, hardly the all-American pastime?

This year, with more than four months still to go until the election, the out-of-touch message is being chanted like a mantra by both sides.

Romney, with his vast wealth and some cringe-worthy sound bites, has proven more vulnerable on the issue.

A June survey by the Pew Research Center found that 59 percent of voters felt Obama connected better with ordinary Americans than did Romney, while 28 percent felt Romney did better. That was Obama's biggest advantage among a number of traits tested, including being willing to take a stand, ability to get things done, honesty and taking consistent positions.

It's about the same advantage that Obama held over McCain on the trait in June 2008.

Andrew Kohut, president of the Pew center, said avoiding the out-of-touch label is important because people "want a sense that the president is with them." He said the campaigns seem to be spending an unusual amount of time this year focusing on who's better connected to voters.

But Kohut cautions that relating to voters "is not the be-all and end-all" in evaluating presidential candidates: "There's also the performance dimension, which is far more important if you had to pick any one thing."

Still, in a race that appears likely to remain close to the end, both candidates are looking for any advantage, and they're engaged in daily combat over who's out-of-touch.

Why the repetition?

"There's lots of research that says that when an idea or a message is repeated, it's more likely to be accepted ? although if you repeat it too much, it will become stale," says William Benoit, an Ohio University expert on political rhetoric.

The challenge for the Obama and Romney teams, then, is to find fresh ways to deliver the same out-of-touch message. And they're getting pretty good at it: employing raised eyebrows, mockery, hyperbole, pre-emption and more to drive the idea home in ads, speeches, fundraising appeals and appearances by surrogates.

While Obama personally has personally steered clear of labeling Romney "out of touch," he conveys the same message with other words, often uttered with a tone of incredulity. Campaigning Tuesday in Atlanta, he said Romney's vision was that if "wealthy investors like him ... are doing well, then everybody else is automatically doing well." Noting that Romney's campaign had tried to draw a distinction between "outsourcing" jobs and "off-shoring" jobs to support U.S. exports, the president told his audience, "You cannot make this stuff up."

Vice President Joe Biden, for his part, likes to couple a soft intro with a sharp jab: He calls Romney a "fine man with a beautiful family" then adds; "I don't think he gets it."

Romney's tried a similar tactic, saying of Obama: "We have a president who I think is a nice guy, but he spent too much time at Harvard, perhaps, or maybe just not enough time working in the real world." (No mention of the fact that Romney has two Harvard degrees to Obama's one.)

Romney's team, meanwhile, has eagerly milked the president's comment that the private sector is "doing fine" as evidence that Obama doesn't understand the economic hardship still facing many Americans.

The president was "defining what it means to be detached and out of touch," says Romney.

His campaign loves to frame Obama's frequent appearances with celebrities as further evidence he's lost touch. After Obama attended a fundraiser whose hosts included Vogue editor Anna Wintour and actress Sarah Jessica Parker, Republican Party Chairman Reince Priebus wrote that Obama was in a "Wintour Wonderland."

"Where would President Obama get an outrageous idea like 'the private sector is doing fine'?" Priebus asked. "Perhaps from one of his many star-studded fundraisers."

The Obama campaign has plenty of its own mocking rejoinders.

"Being called out of touch by a candidate who joked about being unemployed and said he likes to fire people is rich," tweeted campaign spokesman Ben LaBolt.

The Obama campaign's Lis Smith offered this tweet on Wednesday: "Free advice for (at)Mittromney's campaign: saying that Romney closed his Swiss Bank account in 2010 won't make him seem more in touch."

Surrogates and comedians, too, are looking to score out-of-touch touchdowns.

Stephen Colbert, making hay with Ann Romney's love of dressage, declared horse ballet "our new national pastime" and did his satirical part to give it the common touch by swilling a beer and waving a red foam No. 1 finger in the air.

___

AP Deputy Director of Polling Jennifer Agiesta contributed to this report.

___

Follow Nancy Benac on Twitter: http://www.twitter.com/nbenac

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SKIN CANCER & PROTANDIM | Diet-Fitness-Health-Healthy Aging

NOTE: Daily Life Source is looking for distributors to help get the word out about Protandim. If you would like a free and no obligation introduction to this business please contact us. We can do the presentation by phone or SKYPE. Dr. Joe McCord explains the Pubmed.gov study on how Protandim affected skin cancer in mice. For more information please visit www.DailyLifeSource.com. * These statements have not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure or prevent any disease.

www.DermTV.com Connect With DermTV www.facebook.com www.twitter.com In a good portion of DermTV episodes, Dr. Schultz discusses the importance of sun protection. As if you didnapos;t need another reason, in this episode of DermTV, Dr. Schultz actually brings you into the operating room and shows you an actual skin cancer removal. (This video contains a graphic medical procedure. Viewer discretion is advised.) Everyonecan have beautiful, healthy, and younger looking skin, and DermTV, the Internet?s daily skincare video show, will demonstrate how by revealing expert tips and techniques and by providing real solutions for real skincare issues. Skincare (whether cosmetic or medical) previously required a trip to your dermatologist or a shopping spree at the pharmacy. And that?s if you have a trusted nearby dermatologist or a local informed pharmacy. But not anymore. We at DermTV are committed to making best-in-class dermatology and skincare guidance accessible to everyone, anytime, at your computer. Every weekday, our host, Dr. Neal Schultz, one of New York?s most trusted and respected dermatologists (see bio below), teaches skincare?s most timely and timeless issues. Topics include: the best at home techniques and new technology for facial rejuvenation, preventing and fixing sun damage from wrinkles to skin cancer, breaking news in dermatology, general skincare topics, and more.

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Zynga reveals 'FarmVille 2,' new social gaming network

1 hr.

Winda Benedetti

The company behind "FarmVille," revealed Tuesday that a?sequel?to its enormously popular Facebook game is in the works and that it is creating a social network of its very own to bring gamers together.

In San Francisco during an event at Zynga's headquarters, the company unveiled a host of new ?games and?also took the wraps off its Zynga With Friends network, which it?describes as "a?unified experience that will connect all players on any platform."

The event comes at a time when the company's?stock has?slid?well below its December 2011 $10 IPO price and as its Facebook user numbers have been declining.

But during Tuesday "Zynga Unleashed" event, Mark Pincus, founder and CEO of Zynga, said?the company was showing off "the products and technology that represent the next generation of Zynga."

"Our pipeline of new games represents more genres of play that expand our audience, more mobile ways to play and more dimensions of play that will deliver the next generation of fun and social," he said.?

The most important news from Tuesday's event was Zynga's revelation that it is trying to spread its wings and fly the Facebook coop ? to a degree. Zynga said it is working on its own Zynga With Friends network ? an attempt to bring all its players together under one umbrella, as well as?reduce its dependence on the social network giant.

The company said the?Zynga With Friends network?will connect gamers playing on Facebook, iOS, Android, Zynga.com and?elsewhere.?It's not clear when the network will officially launch, but officials said?Zynga with Friends will include a virtual?lobby where you can see what your friends are playing, the ability to?live?chat with other players, the ability to go?head-to-head in multiplayer matches, and a live "Social Stream" where you can get access items you need to advance your games.

New social network or not, the San Francisco company?is still well tied?to Facebook ? the place where hits like "FarmVille," "Texas HoldEm Poker" and "Mafia Wars" have taken?off. And Zynga announced that it is bringing a?variety?of new games to Facebook as well.

Zynga didn't reveal much about "FarmVille 2" other than to say it was "coming soon." But it is big news, considering that the first "FarmVille" launched back in 2009 and skyrocketed to popularity on Facebook. With age, however, it has bled users. According to AppData, it currently boasts?21.7 million monthly active users, down from some 60 million monthly active users at its peak.

On the heels of "FarmVille's" success, Zynga has kept a fresh flow of "Ville"-themed games coming ? i.e.?"CityVille" and "CastleVille." And on Tuesday the company outlined?two more games coming to the franchise. One is called simply "The Ville," and the other is called "ChefVille."

Zynga calls "The Ville" its "most social game to-date." According to a?press release, "The Ville" will have players build the (virtual)?home of their dreams. The release explains: "The more people you interact with the more happiness you obtain in the game. As you level up in the game you unlock new objects for your home, and by building relationships with other avatars you unlock new interactions."

That probably sounds very?familiar to anyone who has played one of the games from Electronic Arts'?long-running "Sims" franchise. But we'll see for sure Wednesday, when "The Ville" launches on Facebook (it's also coming "soon" to Zynga.com).

Meanwhile, in "ChefVille" players will create personalized?kitchens?and cook up a variety of?dishes (pizza,?steak Florentine, orange chicken, etc.). When you master a virtual?dish, you'll be sent an email containing?the recipe so you can?cook it?in your real-world?kitchen. Zynga says "ChefVille" is coming soon to both?Facebook and Zynga.com.

But the Ville franchise wasn't the only one to get new games.?Zynga also announced that its fifth game in the?"With Friends" series?(think "Words with Friends")?has launched on iOS devices today. The latest game is called "Matching With Friends," and is a social puzzle game in which players match color blocks on a game board (see trailer above).

Unfortunately for Zynga, the Unleashed event did not unleash a stock rally for the company.?Zynga shares closed 5 percent lower on Tuesday.

Winda Benedetti writes about video?games for msnbc.com. You can follow her tweets about games and other things?on Twitter?here?@WindaBenedetti?and you?follow her?on Google+. Meanwhile, be sure to check?out the?IN-GAME?FACEBOOK PAGE?to discuss the day's?gaming news and reviews.?

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Personal Loan Supporting Your Needs Financially

Personal Loan ? Supporting Your Needs Financially

?

Personal loan or individual loan is one of the financial supports sustained by bank to the customers/applicants in respect with their personal expenses. From the introduction to till now, the personal or individual finance has created its unblemished reputation across the world including India. A huge number of people take resort to personal/personal finance during the time of urgent monetary conditions. Hence, this loan is construed as the financial bulwark in odd financial times.

Banks personal loans have been popular because of so many features and benefits involved. One of the benefits that noticeably conspicuous is the immediate financial assistance that you get from the bank. In other words, the personal/individual loan is acquired of followed by hassle free documentation and flexible eligibility requirements. Virtually all the banks in India have the same and identical formalities regarding acquisition of the loan.

Two of the most important eligibility requirements are income and credit score of the applicants. Sometimes, some banks also consider repayment capacity of the applicants but more often than not that repayment capacity is determined on the basis of income that a particular applicant earns out of job employment or business venture. Therefore, if you are a good income earner, there is always a fair chance of getting your personal loan application approved.

Personal loan from the bank should always been your priority in case you fall into difficult financial situation. We know that people require monetary assistance for their different types of needs and with the help of such financial assistance; one can help out reduced stress of financial difficulty to a greater extent. With amplitude of the banks available in the country, there is always a golden chance for the prospective loan-seekers to choose their personal or individual finance from any bank. However, the online search is recommended to choose one of the best banks regarding acquisition of the individual finance.

The online comparison of personal or individual loan offers of few banks will rationalize your concept of choosing a right loan product. Since there are many banks or financial organizations that offer such type of financial assistance, it is good to choose a good one, and the Internet will help you a lot to narrow down your quest in this regard. One more thing to understand is before choosing your loan; you should prioritize your need.

You should understand that a personal or individual finance can only be taken if you really need it. You should avoid thinking that feasibility of such finance gives you an opportunity to take it without needs. You are liable to repay the loan as well. Hence think your need properly.

Prepayment Charges on Personal Loan

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5 things to watch for after court rules on health care

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