Monday, December 31, 2012

Week's 2nd snowstorm hits Northeast, parts of Ohio

People walk in the snow at Buffalo Niagara International Airport in Buffalo, N.Y., Saturday, Dec. 29, 2012. A mild but widespread winter storm has developed over the Northeast and the upper Ohio River Valley, the second in less than a week for the regions. (AP Photo/Mel Evans)

People walk in the snow at Buffalo Niagara International Airport in Buffalo, N.Y., Saturday, Dec. 29, 2012. A mild but widespread winter storm has developed over the Northeast and the upper Ohio River Valley, the second in less than a week for the regions. (AP Photo/Mel Evans)

People walk in the snow at Buffalo Niagara International Airport in Buffalo, N.Y., Saturday, Dec. 29, 2012. A mild but widespread winter storm has developed over the Northeast and the upper Ohio River Valley, the second in less than a week for the regions. (AP Photo/Mel Evans)

A person walks in a snowfall at Buffalo Niagara International Airport in Buffalo, N.Y., Saturday, Dec. 29, 2012. A mild but widespread winter storm has developed over the Northeast and the upper Ohio River Valley, the second in less than a week for the regions. (AP Photo/Mel Evans)

Worker Steve Rizzo carries materials in a snowfall at a new hotel construction in Buffalo, N.Y., Saturday, Dec. 29, 2012. A mild but widespread winter storm has developed over the Northeast and the upper Ohio River Valley, the second in less than a week for the regions. (AP Photo/Mel Evans)

People walk in the snow in Buffalo, N.Y., Saturday, Dec. 29, 2012. A mild but widespread winter storm has developed over the Northeast and the upper Ohio River Valley, the second in less than a week for the regions. (AP Photo/Mel Evans)

(AP) ? A widespread winter storm dumped snow over the Northeast and parts of Ohio on Saturday, just days after the regions were hit by another storm moving from the nation's midsection.

The National Weather Service expected up to a foot of snow in parts of southern New England, with the heaviest snowfall possibly in Providence, R.I., and Boston, which declared parking bans to allow snow removal vehicles to clean the streets. Winter storm warnings were in effect in parts of those states and in Connecticut.

New York City and Philadelphia saw a mix of rain and snow as the storm moved in from the west. In Ohio, Dayton, Columbus and Cincinnati saw about 2 to 5 inches of snow by Saturday afternoon, the National Weather Service said.

"Expect those accumulations to kind of work their way northeastward through much of New York state and much of New England," weather service meteorologist Brian Hurley said.

Drivers throughout the regions were warned to be cautious. Officials lowered the speed limit on much of the Pennsylvania Turnpike, about 300 miles from the Ohio state line to east-central Pennsylvania, from 65 mph to 45 mph.

About 20 vehicles piled up in a storm-related chain-reaction crash on Interstate 93 in New Hampton, N.H., police said, and five people were injured.

In Albany, N.Y., a regional jet skidded into a snow bank at the airport and became stuck, temporarily stranding passengers en route to Chicago. The 66 passengers and four crew members aboard the GoJet Airlines flight, operating as United Express, were put on a bus and sent back to the airport. There were no injuries, and the incident didn't cause any other flight delays, airport authority spokesman Doug Myers said.

Flights at Philadelphia's airport, mostly arrivals, were delayed about an hour, spokeswoman Stacy Jackson said.

Parts of southern Indiana saw 6 to 8 inches of snow from the storm, some in areas that had received more than a foot from a blizzard earlier in the week.

That blizzard was part of a storm system that dumped more than a foot of snow in some places and has been blamed for at least 16 deaths. It also spawned more than a dozen tornadoes in Alabama, the National Weather Service said.

But Saturday's snow wasn't as heavy as that of the previous storm, the weather service said.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2012-12-29-Winter%20Weather/id-6f8faaa8f75a441ab3caee60cb7aafba

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Sunday, December 30, 2012

Statue of Hitler praying in Warsaw spurs controversy

Tomasz Gzell / EPA

The statue of Hitler as a schoolboy kneeling in prayer is visible through this viewing hole as part of an exhibit in Warsaw, Poland.

By Isolde Raftery, NBC News

A statue of Adolph Hitler kneeling in prayer in a courtyard in the former Warsaw Ghetto ? where hundreds of thousands of Jews were forced by Nazis to live in inhumane conditions during World War II ? has upset those who say the statue's placement is offensive.

The Simon Wiesenthal Center, a Jewish Advocacy group, described the decision to place the statue in the former ghetto as ?a senseless provocation which insults the memory of the Nazi?s Jewish victims,? according to the Guardian of London.

Before World War II, Warsaw had the largest Jewish community in Poland and Europe; worldwide it was second only to New York City, according to the Holocaust Encyclopedia. During World War II, about 300,000 Jews in the ghetto died ? most of hunger and disease and after being sent to concentration camps where they were killed.


Tomasz Gzell / EPA

Through the hole in a wooden gate, viewers can see a kneeling figure with his back turned. Viewed from the front, that figure is Adolph Hitler, the leader of the Nazi party who sought to exterminate Jews.

Organizers argue that the statue is intended to be thought-provoking, according to The Associated Press. The exhibition?s catalogue says art ?can force us to face the evil of the world.?

The statue, made by Italian artist Maurizio Cattelan in 2001, is titled, ?HIM? and has drawn thousands of viewers since it was installed in Warsaw last month. ?

The body of the statue is of a schoolboy kneeling in prayer, and the head is made to resemble Hitler?s. Before being installed in Poland, the statue was shown in galleries, usually at the end of a long hallway with its back to viewers. Only when viewers approached could they see Hitler?s face. Reviewing an exhibit at the Guggenheim Museum in 2011, The New York Times described the statue as ?Hitler as a kneeling schoolboy possibly asking forgiveness.?

Cattelan created a similar effect in the former ghetto, where the statue is visible only through a hole in a wooden gate. Cattelan, who is based in New York, has been described as a satirical artist who produced another piece that generated controversy in Warsaw -- an effigy of Pope John Paul II being crushed by a meteorite. Titled ?La Nona Ora,? or ?Ninth Hour,? the work was also displayed in Poland, a deeply Catholic country.

Zofia Jablonska, 30, told The Associated Press that she thought the best spot for the statue was in ?the place where he would kill people.?

Poland?s chief rabbi, Michael Schudrich, was consulted about the installation, according to the Guardian, and said he believes it has educational value. Rather than support Hitler, Schudrich told the Guardian it shows that even evil lurks in the shape of a ?sweet praying child.?

More world stories from NBC News:

Follow World News from NBCNews.com on Twitter and Facebook

Source: http://worldnews.nbcnews.com/_news/2012/12/29/16237772-statue-of-hitler-praying-is-displayed-in-former-warsaw-ghetto-to-controversy?lite

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Resolution for more family time? Try these slow cooker recipes! - PTPA

It?s a new year and it?s time for some new ideas to help your family stay organized, healthy and most of all, spend more time together!

At momstown, we believe in making cooking simple and allowing for more time to do arts and crafts, homework and quality time with the kids playing!? One way we ?momstown moms? love to create more balance in our lives, is with our faithful slow cooker!?

Reasons I Love the Slow Cooker:

1. It can cook all day while I work!

2. It is a healthy and simple?alternative on those crazy days when you rush to your kid?s programs and head for the drive thru.

3. My husband thinks I slaved over the stove?but I really went for a manicure while dinner was cooking!

4.? It is one?pot to clean!

5. My kids love to help with the prep work- it is easy and safe for them.

6. There are incredible recipes on Pinterest and spice packages in the grocery store to add to your own imagination!

Slow Cooker Hearty Chili

chili_0-300x224 Resolution for more family time?  Try these slow cooker recipes!Perfect for a chilly evening!

?1 1/2 lbs (675 g) extra lean ground beef
2 cans (19 fl oz/540 ml each) mixed beans, drained, rinsed (I used 1 can of kidney beans and the other can of mixed white beans)
2 cups salsa
1 can (14 fl oz/398 ml) tomato sauce
2 Tbsp chili powder
1 onion, chopped
1 cup frozen corn, thawed, drained
1 cup Shredded Cheese

Brown meat; drain. Add to slow cooker with remaining ingredients except cheese; stir. Cover with lid
cook on low for 5-6 hours (or on high 3-4 hours)

Stir just before serving. Serve topped with cheese.

Shared but a momstown Burlington member

Other delicious momstown slow cooker meals:

Easy Entertaining Meatballs

?Lemon Herb Drumsticks

Vegetarian Indian Cauliflower

Hamburger Casserole

Turkey and Stuffing Meal in a pot!

Source: http://www.ptpamedia.com/blog/index.php/2012/12/29/resolution-for-more-family-time-try-these-slow-cooker-recipes/

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Saturday, December 29, 2012

They said what? Best celebrity quotes of 2012

By Gael Fashingbauer Cooper, TODAY

Sure, we'd like to have the bank account of a celebrity. But we wouldn't want the attention they get, where every utterance out of their mouths is transcribed and shared worldwide. Some of those quotes are hilarious, some are just dumb. Here are our 10 favorites from 2012.

AFP-Getty Images, Getty (2)

Clint Eastwood, Madonna and Justin Bieber all made our best celebrity quotes list.

Best comeback
"If they have a problem with spokespeople, what about the Pillsbury Doughboy? He runs around without any pants on, basically begging for people to poke his belly. What kind of message is that?" -- Ellen DeGeneres, on One Million Moms protesting her use as JC Penney spokeswoman.

Best photo explanation
"I think you can see I'm forming the letter F with my mouth. And what I'm saying is ... 'What F-stop are you on with the camera?'" -- Alec Baldwin joking about a photographer run-in on "Late Show With David Letterman."

Best political quote
"I figure if somebody's dumb enough to ask me to go to a political convention and say something, they're gonna have to take what they get." -- Clint Eastwood on "Extra," about his GOP convention appearance.

Best TMI quote
"I plan to be done. But my husband is kind of a wonder sperm kind of guy." -- Jennifer Garner on whether she and Ben Affleck will have more kids.

Best awards-show greeting
"Welcome to the 66th annual Tony Awards, or as we like to call it, 50 Shades of Gay." -- Neil Patrick Harris

Best parental wisdom
"This is mommy when she was 21. This is what not to do. Learn from it." -- Snooki on "Late Show With David Letterman" on what she'll tell her kids.

Best daughter wisdom
"I say to my daughter, 'That outfit is a little bit too risqu? or revealing' and she looks at me and says, 'That's rich coming from you.'" -- Madonna, on "The Graham Norton Show."

Best in-your-face response
"Get used to it because I am going to live to be 100, and I am going to show my thighs every day till I die." -- "Girls" star Lena Dunham on being criticized for a short red-carpet outfit.

Best gaffe
"I'm not going for the Sixteenth Chapel." -- Justin Bieber, who wasn't going for the Sistine Chapel either,?when asked about his tattoos?on "Late Show With David Letterman."

Best blame game
?With Angus? Hale-Bopp-like meltdown, it is radically clear to me that the show is cursed.? -- Charlie Sheen on his former co-star's YouTube video calling "Two and a Half Men" filth.

Source: http://todayentertainment.today.com/_news/2012/12/26/16168974-they-said-what-best-celebrity-quotes-of-2012?lite

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Honour for Higgs boson physicist

Physicist Peter Higgs, after whom the Higgs boson particle is named, has been recognised in the New Year Honours.

In the 1960s, Prof Higgs and other physicists proposed a mechanism to explain why the most basic building blocks of the Universe have mass.

The mechanism predicts the existence of a Higgs particle, the discovery of which was claimed this year at the Large Hadron Collider.

Prof Higgs has been made a Companion of Honour.

The recognition confers no title but is restricted to a select group of 65 for achievements in the arts, literature, music, science, politics, industry, or religion.

His discovery announced in July this year of a particle consistent with the Higgs boson immediately led to calls for the 83-year-old to be knighted.

He is now also considered to be a candidate for a Nobel prize, perhaps in conjunction with other physicists who reached similar conclusions at the same time.

Born in Newcastle upon Tyne, Higgs was inspired at school by the work of physicist Paul Dirac, who helped lay the foundations of quantum mechanics and predicted the existence of antimatter.

After obtaining his PhD from King's College London, he held academic positions at the University of Edinburgh and then London before returning to the Edinburgh to lecture at the Tait Institute of Mathematical Physics.

According to one popular version of the story, Prof Higgs came up with the concept during a walk in the Cairngorms. But in an interview earlier this year, he told BBC News that there was no "eureka moment".

Best explanation of Higgs boson? Continue reading the main story

The Higgs mechanism explains why the building blocks known as elementary particles have mass. According to the idea, these particles acquire mass through their interaction with a field that permeates space.

The theory predicts the existence of a new particle, which also carries Prof Higgs' name. But six physicists - including Higgs - are now generally credited with the formulation of the concept.

The idea initiated a decades-long effort to detect the particle in experiments. However, it remained elusive until this year, when scientists at the $10bn LHC particle smasher announced that they had found a particle consistent with the Higgs boson.

The probable discovery added a final missing piece to the framework known as the Standard Model, which stands as the most widely accepted theory to explain how particles of matter interact.

At the time of the announcement, Prof Higgs told reporters: "It's very nice to be right sometimes."

He added: "At the beginning I had no idea whether a discovery would be made in my lifetime because we knew so little at the beginning about where this particle might be in mass, and therefore how high an energy machine would have to go before it could be discovered.

"It's been a long wait but it might have been even longer, I might not have been still around."

Shortly after the boson news this year, Edinburgh University, where Higgs is an emeritus professor, announced a new centre that would carry his name. The Higgs Centre for Theoretical Physics will be housed at the university's James Clerk Maxwell Building.

The particle earned a nickname - the "God particle" - supposedly because of its importance to the Standard Model. But Prof Higgs stated that he disliked the term because it "might offend people who are religious".

This week, in an interview with the Spanish newspaper El Mundo, Prof Higgs criticised fellow academic - and staunch atheist - Richard Dawkins for his stance towards religious believers.

Prof Higgs said: "What Dawkins does too often is to concentrate his attack on fundamentalists. But there are many believers who are not fundamentalists. Fundamentalism is another problem. I mean, Dawkins in a way is almost a fundamentalist."

Also honoured are Sue Gibson, professor of chemistry at Imperial College London, who is becomes an OBE; Prof Richard Holdaway, director of RAL Space, which helps co-ordinate civil space activities, who becomes a CBE; and Carol Vivien Robinson, professor of chemistry at the University of Oxford, who is made a Dame.

Paul.Rincon-INTERNET@bbc.co.uk

Source: http://www.bbc.co.uk/news/science-environment-20855404#sa-ns_mchannel=rss&ns_source=PublicRSS20-sa

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Source: http://www.classifiedads.com/construction_remodeling-ad24105177.htm

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6 Ways I Improved My Life in 2012 - Black And Married With Kids.com

Photo Credit: Iofoto

When the clock struck midnight on January 1, 2012, I declared it a ?New year, New me?. I knew that 2012 had to be different, better, more amazing than 2011. I went through an insurmountable amount of stress and anxiety when I was working for my last corporate job & made a decision to never go back to that. At the time, I had a lot of anger and resentment. I knew I needed to let go of that and focus my energy on pursuing my purpose. I couldn?t get these words out of my head that I?d heard a speaker say: ?God will place you in a holy discontent in order to get you out of certain situations.?? This hit home for me not only when it was time for me to leave my job, but at any time I feel that things are out of place. This year, I got out of my comfort zone in more ways than one, and really embraced change for probably the first time in my life. Sometimes that ?holy discontent? will force you into situations that you need to experience.

1. I embraced & reflected on the leap of faith I took in 2011. Certain sayings like ?have faith? and ?take a leap of faith? tend to sound so clich? because they are used so frequently. But the bible says, ?For we live by faith, not by sight? (2 Corinthians 5:7).?We had not planned for me to leave my job when I did, so we didn?t know just how much it was going to impact us, or how we were going to manage (especially with our third baby on the way). But it didn?t matter that we didn?t know, because God knew. He was just waiting on us to take that first step. ?When I say that I left my job almost two years ago and we haven?t missed my paycheck since, it?s not to brag. It?s to emphasize what taking a leap of faith really means ? to have complete and total trust in God regardless of the circumstance. God has indeed blessed us and our faith was strengthened once I made the leap and walked out of that corporate door.

2. I cut off my hair. I know Indie Arie wrote the song ?I am not my hair?. But the truth is, I felt like I was my hair. There were a lot of things that I didn?t like about myself but my hair wasn?t one of them. I took a lot of pride in my hair. While transitioning to become natural, I ended up having to give myself the ?big chop? after a wash left my hair a tangled & knotted HOT mess. I literally cried and hated every bit of my teeny weeny afro. I wanted to immediately go to the closest braid shop and get my hair braided not to be seen again until I grew it back out. But time constraints permitted me from doing just that. I had no choice but to face the world and embrace my new look. It turned out to be one of the best things I?ve ever done. It forced me to look at myself beyond my hair, and I jumped into a newfound confidence that I didn?t even realize I was lacking.

3. I learned to say no?and mean it. I?m a woman of my word. So if I feel like people are depending and counting on me, I feel a lot of pressure to come through for them. When I realized that I was burnt out and stressed out because I was saying yes to everyone else, and saying no to myself, I knew I needed to make some changes. I set boundaries and I blocked ?me? time off on my calendar. I can?t be everywhere for everyone at every time. So I also stopped doing for others who were always too busy to lend a hand or ear during my time of need.

4. I lost 20 pounds! Many people know that I have a serious love affair with sweets. But when I was struggling to lose my baby weight after our last born, I came to the tough realization that my metabolism is not what it was 10, 5 or even 3 years ago. I used to be able to eat absolutely anything I wanted, and barely gain a pound. I still enjoy my sweets now, but it?s all in moderation. I no longer buy cookies, cakes or doughnuts every single time I go to the grocery store. When I eat, I?m very conscious of what I put into my body. I?m now fitting into clothes I hadn?t been able to wear since before I started having kids.

5. I invested in myself & started my own business. As a mom and a wife, it?s natural for me to put everyone else?s needs above my own. But I made a decision to start my business this year. So I invested money and time into going to a lot of workshops, and hired a business coach ? best decision ever. By investing money up front, I was able to identify and iron out a lot of details that would?ve otherwise taken a lot more time for me to figure out.

6. I learned that everyone does not deserve the title of ?friend?. I am blessed in that I have a lot of real friends. But there were times where the line between friend and acquaintance was a bit blurry. I also realized that some of the people I had mistakenly given the ?friend? title to, were definitely not my friend at all. A friendship is a two-way street. I learned that ?some people come into your life just to teach you how to let go?. And this was definitely a lesson I needed to learn in 2012.

I have started on my list of goals and resolutions for 2013, and can?t wait because I know it?s going to be a phenomenal year!

BMWK: What are some lessons you learned this year that have made you grow as a person? What are you looking forward to in 2013?


About the author

Christine St.Vil helps moms across the country feel good and have self-care without the guilt. Through her coaching and training, she?s taken her corporate background and is helping people fulfill the most exciting position of all: a stay-at-home mom. Christine is a wife and proud mother of three.


Source: http://blackandmarriedwithkids.com/2012/12/6-ways-i-improved-my-life-in-2012/

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Friday, December 28, 2012

How Porn Impacts Real Intimacy and Real Relationships [free call ...

How is/was your porn use impacting your real relationships?

I?m inspired to help men feel more turned on by their sexual partners. I?m inspired to support men finding even more pleasure out of real sex. In order to do so, we have to really take a look at our sexuality and how we show up sexually online and with real people.

So, as you begin 2013, consider a ?no porn diet? with us and hundreds of other men. Join our free, live call on Jan 2, 2013 from 6-7pm MT:

How Porn Impacts Real Intimacy and Real Relationships?

This 1 hr free call will get you honest about how porn is helping or hurting your sex life.
I will co-lead this call with Decker Cunov, Authentic World founder and Integral Center wizard.?

Ask yourself these questions:

  • Are you starting to wonder if using porn is becoming a habit or addiction?
  • Do you consider how it?s impacting you connecting with real women in real time?
  • Do you sense that your porn use is helping or?hindering your energy levels for the demands of your life?
  • Do you feel less potent? Or do you ever lose your erection or ejaculate too fast or not at all?
  • Do you find yourself hiding or ?covering your tracks? with friends and lovers?
  • Do you use porn when you are stressed, in a fog, glazed over, bored, unambitious, or frustrated?

If any of these are true, chances are porn ?has you? versus you having porn.

It?s understandable. Our lives are full and complex, busy and at times overwhelming. Porn, like sugar, booze, or a nap, can lift us up for a bit and take the edge off. It the moment it feels good. Over time?not so much.

We?ve worked with hundreds of men who start out using porn very casually, but over time, it begins to eat away at their lives and contributions to the world.

In our experience, porn seduces men away from their centers, farther from the stuff they claim they care about.

So, we want to challenge you to take a break and see what you learn about yourself. You can put in the time with us and then ask yourself, are you on top of your game more? more focused? Are your relationships with real women more or less satisfying?

Come join the ride with us while we offer some valuable facts and tips on how to get your mojo back to its fullest.

On this basic overview call, we will cover:

  • the cost of your porn use?5-10 ways it?s sucking the much needed potency out of you.
  • how to increase your trustworthiness and personal integrity with porn
  • how to increase your sex drive and passion with women
  • 3 key steps to get out of the porn trance
  • how to begin a no porn diet

Here?s the Registration Link:

http://bit.ly/WXfsxPrncall

So, if you want to learn a few tips and free up more life force for the creative tasks toward your mission while increasing the chemistry and juice between you and women, register for our free call here.

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Source: http://www.jaysongaddis.com/2012/12/how-porn-impacts-real-intimacy-and-real-relationships/

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Years later, new owners still owe for old transgressions ? Business ...

Townsend Oil and Propane bought Nichols Oil & Gas in Macedon seven years ago. Turns out, the company also bought liability for harassment committed more than a decade ago by the former owner.

Under the terms of a just-reached settlement, Townsend must pay $150,000 to women who claim they were sexually harassed by the man who owned and ran Nichols Oil & Gas.

According to the women?s complaint to the EEOC, the owner routinely grabbed their breasts and buttocks and lewdly propositioned them. Although the incidents occurred between 1999 and 2003, they weren?t settled until earlier this year. Nine women filed EEOC complaints before the company was sold in 2005.

The court judged Townsend Oil & Propane, as the new owner, an ?innocent purchaser? that was nonetheless a ?successor defendant? liable for the harm the women suffered.

Note: When purchasing a business, always ask about pending complaints or litigation.

Like what you've read? ...Republish it and share great business tips!

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We believe great content should be read and passed around. After all, knowledge IS power. And good business can become great with the right information at their fingertips. If you'd like to share any of the insightful articles on BusinessManagementDaily.com, you may republish or syndicate it without charge.

The only thing we ask is that you keep the article exactly as it was written and formatted. You also need to include an attribution statement and link to the article.

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Source: http://www.businessmanagementdaily.com/33477/years-later-new-owners-still-owe-for-old-transgressions

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[VIDEO] Prima ballerina sisters believe motherhood made them ...

Tonight, Lorna Feijoo will be slipping on her satin ballet slippers and transforming herself into the Sugar Plum Fairy for the last time this season. She has been performing as?a principal dancer in Boston Ballet?s ?The Nutcracker,? which officially ends on December 30, since November, and she has loved every minute ? pain and all.

?Ballet gives you the opportunity to be with the audience,? which she says feels like a prize after months of arduous practice. ?You can see what the people feel when you dance. You can enjoy being on stage, because you are free?and there?s nothing better than the applause afterwards. That?s like the gold for us ? when you feel the applause.?

One of the only things she loves beyond being on stage she says, is her older sister, Lorena, ? also a prima ballerina ? who dances on the West Coast? in the San Francisco Ballet.

?One of my biggest inspirations is, and was, my sister,? says Lorna who began dancing in her native Cuba, at age 10, and is now 38. ?She?s three years older than me, and I?ve seen her since little how she was so different from everyone else. She has a lot of talent, but she has something else ? her movement, her arms, she was my ideal [dancer]. There are many other dancers who are very good, but my thing to follow was her.?

Lorena Feijoo (left) and Lorna Feijoo (right) at the Getty Villas in Malibu. (Photo/Robb Aaron Gordon)

Lorena Feijoo (left) and Lorna Feijoo (right) at the Getty Villas in Malibu. (Photo/Robb Aaron Gordon)

Ballet has been a way of life for the Feijoo sisters practically since the womb. Their mother, Lupe Calzadilla, was a member of the Ballet Nacional de Cuba at a time when Cuban ballet had reached its Golden Era.

?My mom was still dancing when she got pregnant,? says Lorena, the elder of the two sisters, and began dancing at age 8. ?In Cuba they allowed kids to hang around the company?That kind of planted the seed in me. She had me and kept dancing, until my sister arrived??

Although their father was concerned for his daughters, who both hard-headedly chose a career which involved so much competition, fearing they would forever compete with each other, the Feijoo sisters says for them it was the contrary.

?We helped each other so much,? says Lorna. ?The competition was in a good way?In my sister?s case, she was very disciplined, but I was so bad with that ? I love chocolate and chips.?

During their early 20?s, both sisters danced through Europe and eventually ended up in the U.S., where they say has been more challenging ? working more hours with up to six choreographers at the same time. And now, they both have graduated to perhaps their hardest role yet ? motherhood.

?The best thing in our lives is Lucia,? says Lorna about her 2-year-old daughter.? ?It?s hard, but it?s completely different. I feel better now than before. I used to worry so much before about everything, but now she?s the most important thing in my life.?

Lorena, who has a 5-month-old daughter, Luciana, at home, mirrors that feeling.

?This career [motherhood]? is one of the hardest things ? you don?t have a social life,? says Lorena, who is home saving her energy for her debut performance as a mother in January. ?The shows ends at midnight, and then you start over at 10am till 11 at night?[but] having a baby makes you think the way you should.?

She says before, every decision she had to make seemed like life or death. After her daughter was born, she says she realized ballet is still the same career she takes very seriously, and she loves it, but it?s not life.

?A child is so powerful that it puts things in perspective in a beautiful way,? says Lorena. ?It adds a tranquility to your dancing that is incredible. The dancers I?ve seen who?ve had children have become so much better. In Russia and Cuba it?s more common to see more people with kids. In America, it?s very competitive?In my company?there are maybe three or four moms out of 70 [who are mothers].?

Lorena says now her daughter is her inspiration.

?There is nothing more exquisite really,? she says. ?When you have a performance and you get home, and they smile and it means the world to you. If I would have known it was that wonderful, I would have started earlier. I think I have found more beautiful things about my job because of her.?

Although both sisters are grateful for their new positions in life as mothers, they are hesitant for their daughters to follow in their footsteps.

?I have mixed feelings, because it is a very difficult career that comes with a lot of sacrifices,? says older sister Lorena, who plans on dancing until the day she loses her passion, which she doesn?t feel will?be any time soon. ?Emotionally you have to be very sturdy, very secure of yourself. It comes with a lot of pain, [physically and] in your heart as well?I will do what my mom did to both of us. I?m going to warn her, and she will be involved like we were, so we will see.?

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Source: http://nbclatino.com/2012/12/26/video-prima-ballerina-sisters-believe-motherhood-made-them-better-dancers/

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Thursday, December 27, 2012

It's an After Christmas Scrapbook SALE! - Katie Pertiet ...

I hope everyone had a wonderful Christmas!

We had a quieter Christmas than expected because, on Christmas Eve, we tried to head out to western Maryland to be with family and hit unexpected heavy snow and bad roads and had to turn around and head back home instead. We were grateful we weren't one of the many cars we saw spinning off the road and made it home safely where it was only rain.

And Kelly had to work on Christmas Day so Randy and I stayed home and worked too. But it was a nice Christmas just the same.

Now, over at DesignerDigitals.com, it's time for our annual after-Christmas SALE! All Christmas products are marked down 30% thru 6am EST January 1st.

Here are a few favorite Christmas products of mine...
simply click the image to see them in the store

KPertiet_VintageChristmasCollectionPREV

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KPertiet_ARTpackChristmasNo1PREV

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KPertiet_CandyStripedFramesPREV

And while you're there be sure to snag this brush pack for just 99?!

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Be sure to check out all of my Christmas products and stock up!

Source: http://katiepertiet.typepad.com/designerdigitals_weblog/2012/12/its-an-after-christmas-scrapbook-sale.html

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Kate Winslet Married: Actress Weds Ned Rocknroll

  • Celebrity Photos: December 2012

    Halle Berry and her fiance Olivier Martinez took a stroll through Paris, France on Dec. 23.

  • Celebrity Photos: December 2012

    Kim Kardashian and her rapper boyfriend Kanye West left the gym after a morning workout on Dec. 22 in Studio City, Calif. Hello, see-through!

  • Celebrity Photos: December 2012

    Kimora Lee Simmons showed off her beach body in the warm waters of St Barts on Dec. 22.

  • Celebrity Photos: December 2012

    Goldie Hawn and Kurt Russell took a romantic stroll to check out the snowy streets of Aspen together on Dec. 21 in Colo.

  • Celebrity Photos: December 2012

    Zac Efron wore a warm blue coat as he filmed scenes for "Are We Officially Dating?" in NYC. The dapper actor looked laid back as he spent time working on the set on Dec. 20.

  • Celebrity Photos: December 2012

    Katie Holmes arrived for rehearsals for her Broadway play in NYC on Dec. 19, the day after celebrating her 34th birthday. The "Dead Accounts" star rang in her special day with daughter Suri.

  • Celebrity Photos: December 2012

    Uma Thurman went for shades of gray in a suit and sweater, as she arrived at the 10th Annual Tibet House Charity Auction in New York City on Dec. 18.

  • Celebrity Photos: December 2012

    "Glee" co-stars and couple Lea Michele and Cory Monteith left the Arclight Theatre after watching "Argo" in Hollywood, Calif., on Dec.18.

  • Celebrity Photos: December 2012

    "Silver Linings Playbook" star Bradley Cooper and his mother Gloria arrived on a flight from Los Angeles at Heathrow Airport in London on Dec. 18.

  • Celebrity Photos: December 2012

    Julianna Margulies, star of "The Good Wife", was seen out for a stroll in Soho, New York City on Dec. 18.

  • Celebrity Photos: December 2012

    Tom Cruise greeted fans before appearing on "The Late Show with David Letterman" in NYC on Dec. 17.

  • Celebrity Photos: December 2012

    AnnaLynne McCord hit the beach wearing a bikini on the set of "90210" in Los Angeles, Calif., on Dec. 17.

  • Celebrity Photos: December 2012

    Jennifer Garner took her daughters Violet and Seraphina shopping for toys before heading to Whole Foods Grocery store in Brentwood, Calif., on Dec. 16. The Affleck girls are the happiest kids in Hollywood!

  • Celebrity News: December 2012

    Jenna and her husband Channing Tatum are expecting their first baby together next year, <a href="http://www.huffingtonpost.com/2012/12/17/jenna-dewan-tatum-pregnant-channing-tatum-first-child_n_2316443.html?1355766274">their reps confirmed</a>. Channing's next title? Sexiest daddy alive.

  • Celebrity Photos: December 2012

    Brandy took a moment from the VH1 Divas festivities to sign a pair of Monster DNA headphones for the Save the Music charity on Dec. 16 in Los Angeles, Calif.

  • Celebrity Photos: December 2012

    Miley Cyrus wore a risque outfit to the 2012 VH1 Divas event held at the Shrine Auditorium in Los Angeles, Calif., on Dec. 16.

  • Celebrity Photos: December 2012

    Katrina Bowden got into the holiday spirit with a Hpnotiq Harmonie Merry-tini at Delicatessen in NYC on Dec. 16.

  • Celebrity Photos: December 2012

    Jessica Simpson played bridesmaid at CaCee Cobb's wedding to Donald Faison on Dec. 15 at Zach Braff's home in Los Angeles, Calif.

  • Celebrity Photos: December 2012

    Charlize Theron flaunted her buzz cut while out catching a movie with her mom Gerda in Hollywood on Dec. 16.

  • Celebrity Photos: December 2012

    Khloe Kardashian held birthday boy Mason Disick while leaving Serendipity's in Miami, Fla., on Dec. 14.

  • Celebrity Photos: December 2012

    Justin Timberlake amused himself by playing basketball with director Brad Furman and co-star Ben Schwartz in between takes, while filming 'Runner, Runner' in Princeton, N.J. on Dec. 14.

  • Celebrity Photos: December 2012

    Padma Lakshmi stopped by the Quirky.com Santa Quirk Shop in NYC on Dec. 14.

  • Celebrity Photos: December 2012

    Sam Riley, Kirsten Dunst, Garrett Hedlund and Kristen Stewart posed together at the 'On The Road' New York Premiere at SVA Theater on Dec. 13.

  • Celebrity Photos: December 2012

    Reese Witherspoon strutted down the street in a red patterned dress after lunching at Tavern Restaurant in Brentwood, Calif., on Dec. 13.

  • Celebrity Photos: December 2012

    Hugh Jackman was honored with a star on The Hollywood Walk Of Fame on Dec. 13 in Hollywood, Calif.

  • Celebrity Photos: December 2012

    Blake Lively at the 12-12-12 Concert benefitting the victims of Hurricane Sandy at Madison Square Garden in New York City on Dec. 12.

  • Celebrity Photos: December 2012

    Cate Blanchett attended the premiere of "The Hobbit" at Odeon Leicester Square in London on Dec. 12. She wowed in a white, backless dress.

  • Celebrity Photos: December 2012

    Taye Diggs and Busy Philipps announced the nominations for the 19th Annual Screen Actors Guild Awards at the Pacific Design Center on Dec. 12 in West Hollywood, Calif.

  • Celebrity News: December 2012

    Drew Barrymore debuted her daughter Olive on the cover of People's magazine's latest issue.

  • Celebrity Photos: December 2012

    Amanda Seyfried made an appearance on "The Late Show With David Letterman" in New York City on Dec. 11. Gorgeous!

  • Celebrity Photos: December 2012

    A makeup-free Jessica Biel, aka Mrs. Timberlake, bundles up against the winter chill as she heads out and about in New York City

  • Celebrity Photos: December 2012

    Kate Walsh showed off her bikini body as she spent the day on the beach in Miami, Fla., on Dec. 11.

  • Celebrity Photos: December 2012

    Jessica Alba picked up some coffee and cake on the way to her office in Santa Monica, Calif., on Dec. 11.

  • Celebrity Photos: December 2012

    Anne Hathaway wore bondage boots at the New York premiere of "Les Miserables" at the Ziegfeld Theatre in New York City on Dec. 10.

  • Celebrity Photos: December 2012

    Jessica Chastain wowed at the premiere of "Zero Dark Thirty" at the Dolby Theatre on Dec. 10 in Los Angeles, Calif.

  • Celebrity Photos: December 2012

    Tom Cruise walked the red carpet for the first time since his divorce from Katie Holmes at the world premiere of 'Jack Reacher' at The Odeon Leicester Square on Dec. 10 in London.

  • Celebrity Photos: December 2012

    A reportedly pregnant Jessica Simpson wore sky-high heels as she went shopping in Beverly Hills, Calif., on Dec. 10.

  • Celebrity Photos: December 2012

    "Diamonds" singer Rihanna looked ravishing in red as she left a recording studio on Dec. 10 in Paris, France.

  • Celebrity Photos: December 2012

    Denise Richards stocked up on Jell-o Pudding for her Mayan End of the World Party at her local grocery store in Los Angeles, Calif., on Dec. 10.

  • Celebrity Photos: December 2012

    Russell Simmons and his model girlfriend Hana Nitsche enjoyed the warm weather as they get close during a day at the beach in Miami Fla., on Dec. 9.

  • Celebrity Photos: December 2012

    Eva Longoria looked gorgeous while arriving to the Noble Gift Gala held at the ME Hotel in London on Dec. 8.

  • Celebrity Photos: December 2012

    "Jersey Shore" stars Paul" DJ Pauly D" DelVecchio and Vinny Guadagnino pose for a photo with MTV reporter Sway Calloway during Pauly D's DJ set at the Pool After Dark, Harrah's Atlantic City on Dec. 8.

  • Celebrity Photos: December 2012

    Justin Bieber performed onstage during Z100's Jingle Ball 2012, presented by Aeropostale, at Madison Square Garden on Dec. 7 in NYC.

  • Celebrity Photos: December 2012

    A slimmed-down "True Blood" star Anna Paquin kept her baby twins covered up as she went for a walk on Dec. 7 in Venice, Calif.

  • Celebrity Photos: December 2012

    Jessica Simpson and Eric Johnson hit the streets of Los Angeles, Calif., to look for a new place for their growing family on Dec. 6. Simpson is reportedly expecting her second child ... but we'll have to wait and see!

  • Celebrity Photos: December 2012

    Owen Wilson casually made his way into his hotel after attending Art Basel in Miami, Fla., on Dec. 6.

  • Celebrity Photos: December 2012

    Jennie Garth showed eBay's new way to give and get the season?s hottest toys with mobile at The eBay Toy Box in New York City on Dec. 6.

  • Celebrity Photos: December 2012

    Pink wore a sheer top as she arrived at the BBC Radio Studios in West London on Dec. 5.

  • Celebrity Photos: December 2012

    Kristin Cavallari attended the launch of Chinese Laundry by Kristin Cavallari in New York City on Dec. 4.

  • Celebrity Photos: December 2012

    "Spring Breakers" actress Selena Gomez was seen leaving a medical center in Los Angeles, Calif., on Dec. 4. Last night, Gomez was spotted out with her on-again boyfriend, Justin Bieber.

  • Celebrity Photos: December 2012

    Jessica Biel was full of smiles as she stopped by "Good Morning America" in New York City on Dec. 4.

  • Source: http://www.huffingtonpost.com/2012/12/26/kate-winslet-married-wedding-ned-rocknroll_n_2367618.html

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    Wednesday, December 26, 2012

    interment saran: charlesmurra8: Speed reading apps for android

    23 Dec

    I installed some speed reading apps and tested them. I?ve so far notices a few ?categories? or groups of equals:

    • One kind exists mostly from showing a text word by word in the middle of the screen. Showing each word a very short time and so you can read at a high wpm because you never need to move your eyes.
    • Another kind is merely a speed reading article disguised as app.
    • Another kind is no speed reading app but just a reading app with a fancy name.
    • Yet another kind is training in the form of news/actually.
    • And the last kind is a training app, not for your own stuff but purely for training.

    I only tested them quickly and unions talked the non-interesting. But they aren?t quite what I?m looking for. Maybe I should write one myself for training and guided reading.

    This entry was posted in Other and tagged Android, Self Improvement, Speed Reading. Bookmark the permalink.

    Source: http://www.tjenwellens.eu/other/speed-reading-apps-for-android/

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    Source: http://pygytafac.wordpress.com/2012/12/23/speed-reading-apps-for-android-tjen-wellens/

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    Source: http://charlesmurra8.blogspot.com/2012/12/speed-reading-apps-for-android-tjen.html

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    Source: http://interment-saran.blogspot.com/2012/12/charlesmurra8-speed-reading-apps-for.html

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    Source: http://healthcare-technology-blog.blogspot.com/2012/12/interment-saran-charlesmurra8-speed.html

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    'Les Miserables' Role Gave Russell Crowe 'Delicious' Anxiety

    'I don't know what it's like to be on a film set without a challenge so it's a normal place,' Oscar winner says.
    By Kara Warner, with reporting by Josh Horowitz


    Russell Crowe in "Les Miserables"
    Photo: Universal Pictures

    Source: http://www.mtv.com/news/articles/1699418/les-miserables-russell-crowe.jhtml

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    Vanessa Hudgens and Ashley Tisdale: Merry XXXMas!

    Source: http://www.thehollywoodgossip.com/2012/12/vanessa-hudgens-and-ashley-tisdale-merry-xxxmas/

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    Tuesday, December 25, 2012

    AP: 'Odd Couple,' 'Quincy' star Jack Klugman dies

    Nina Prommer / EPA file

    Jack Klugman in Santa Monica, Calif., in June 2008.

    By Anthony McCartney, The Associated Press

    LOS ANGELES -- Jack Klugman, the prolific, craggy-faced character actor and regular guy who was loved by millions as the messy one in TV's "The Odd Couple" and the crime-fighting coroner in "Quincy, M.E.," died Monday, a son told the Associated Press. He was 90.

    Klugman, who lost his voice to throat cancer in the 1980s and trained himself to speak again, died with his wife at his side.

    "He had a great life and he enjoyed every moment of it and he would encourage others to do the same," son Adam Klugman said.

    Adam Klugman said he was spending Christmas with his brother, David, and their families. Their father had been convalescing for some time but had apparently died suddenly and they were not sure of the exact cause.

    "His sons loved him very much," David Klugman said. "We'll carry on in his spirit."

    Never anyone's idea of a matinee idol, Klugman remained a popular star for decades simply by playing the type of man you could imagine running into at a bar or riding on a subway with?-- gruff, but down to earth, his tie stained and a little loose, a racing form under his arm, a cigar in hand during the days when smoking was permitted.

    The Odd Couple TV series intro.

    His was a city actor ideal for "The Odd Couple," which ran from 1970 to 1975 and was based on Neil Simon's play about mismatched roommates, divorced New Yorkers who end up living together. The show teamed Klugman?-- the sloppy sports writer Oscar Madison -- and Tony Randall?-- the fussy photographer Felix Unger -- in the roles played by Walter Matthau and Art Carney on Broadway and Matthau and Jack Lemmon in the 1968 film. Klugman had already had a taste of the show when he replaced Matthau on Broadway and he learned to roll with the quick-thinking Randall, with whom he had worked in 1955 on the CBS series "Appointment with Adventure."

    "There's nobody better to improvise with than Tony," Klugman said. "A script might say, 'Oscar teaches Felix football.' There would be four blank pages. He would provoke me into reacting to what he did. Mine was the easy part."

    Reuters file

    Actors Jack Klugman, left, portraying Oscar Madison, and Tony Randall, portraying Felix Unger, in a scene from their 1970's television series "The Odd Couple."

    They were battlers on screen, and the best of friends in real life. When Randall died in 2004 at age 84, Klugman told CNN: "A world without Tony Randall is a world that I cannot recognize."

    In "Quincy, M.E.," which ran from 1976 to 1983, Klugman played an idealistic, tough-minded medical examiner who tussled with his boss by uncovering evidence of murder in cases where others saw natural causes.

    "We had some wonderful writers," he said in a 1987 Associated Press interview. "Quincy was a muckraker, like Upton Sinclair, who wrote about injustices. He was my ideal as a youngster, my author, my hero.

    "Everybody said, 'Quincy'll never be a hit.' I said, 'You guys are wrong. He's two heroes in one, a cop and a doctor.' A coroner has power. He can tell the police commissioner to investigate a murder. I saw the opportunity to do what I'd gotten into the theater to do?-- give a message.

    "They were going to do cops and robbers with 'Quincy.' I said, 'You promised me I could do causes.' They said, 'Nobody wants to see that.' I said, 'Look at the success of "60 Minutes." They want to see it if you present it as entertainment.'"

    For his 1987 role as 81-year-old Nat in the Broadway production of "I'm Not Rappaport," Klugman wore leg weights to learn to shuffle like an elderly man. He said he would wear them for an hour before each performance, "to remember to keep that shuffle."

    "The guy is so vital emotionally, but physically he can't be," Klugman said.

    "We treat old people so badly. There is nothing easy about 80."

    Getty, Reuters, Getty

    The son of Russian Jewish immigrants, he was born in Philadelphia and began his acting career in college drama (Carnegie Institute of Technology). After serving in the Army during World War I, he went on to summer stock and off-Broadway, rooming with fellow actor Charles Bronson as both looked for paying jobs. He made his Broadway debut in 1952 in a revival of "Golden Boy." His film credits included Sidney Lumet's "12 Angry Men" and Blake Edwards' "Days of Wine and Roses" and an early television highlight was appearing with Humphrey Bogart and Henry Fonda in a production of "The Petrified Forest." His performance in the classic 1959 musical "Gypsy" brought him a Tony nomination for best featured (supporting) actor in a musical.

    He also appeared in several episodes of "The Twilight Zone," including a memorable 1963 one in which he played a negligent father whose son is seriously wounded in Vietnam. His other TV shows included "The Defenders" and the soap opera "The Greatest Gift."

    In a 1987 interview in the New York Daily News, he said, "once I did three hourlong shows in 2? weeks. Think we'd do that now? Huh! But then it was great. I did summer stock, played the classics. Me!"

    Throat cancer took away his raspy voice for several years in the 1980s. When he was back on the stage for a 1993 revival of "Three Men on a Horse," The Associated Press review said, "His voice may be a little scratchy but his timing is as impeccable as ever."

    "The only really stupid thing I ever did in my life was to start smoking," he said in 1996. Seeing people smoking in television and films, he added, "disgusts me, it makes me so angry?-- kids are watching."

    In his later years, he guest-starred on TV series including "Third Watch" and "Crossing Jordan" and appeared in a 2010 theatrical film, "Camera Obscura."

    Klugman's hobby was horse racing and he eventually took up raising them, too.

    "I always loved to gamble," he said. "I never got close to a horse. Fate dealt me a terrible blow when it gave me a good horse the first time out. I thought how easy this is.

    "Now I love being around them."

    Klugman's wife, actress-comedian Brett Somers, played his ex-wife, Blanche, in the "Odd Couple" series. The couple, who married in 1953 and had two sons, Adam and David, had been estranged for years at the time of her death in 2007.

    In February 2008, at age 85, Klugman married longtime girlfriend Peggy Crosby.

    In 1997, Klugman was sued by an ex-girlfriend, Barbara Neugass, who claimed he had promised to support her for the rest of her life. But a jury rejected her claim.

    -- Biographical material in this story was written by former AP staffer Polly Anderson.

    Source: http://todayentertainment.today.com/_news/2012/12/24/16132005-jack-klugman-star-of-the-odd-couple-quincy-me-dies-at-90?lite

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    Spade named district sales manager | Business People

    Amy Spade was named district sales manager for Cincinnati, Dayton, and Northern Kentucky at Paylocity. Spade brings 20 years of extensive payroll management expertise to Paylocity?s sales force. Paylocity services thousands of businesses in the mid-market nationwide, within diverse industries requiring online payroll services.

    Posted in: New hires

    Tags: Paylocity

    Source: http://cincinnati.com/blogs/businesspeople/2012/12/25/spade-named-district-sales-manager/

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    3 Reasons Google Won&#39;t Offer Car Insurance Comparisons in the ...

    The following is a guest column written by Rory Joyce from CoverHound.

    Last week Google Advisor made its long-awaited debut in the car insurance vertical ? in the UK. Given Google?s 2011 acquisition of BeatThatQuote.com, a UK comparison site, for 37.7 million pounds ($ 61.5 million US), it comes as little surprise that the company chose to enter the UK ahead of other markets. While some might suspect Google?s foray into the UK market is merely a trial balloon, and that an entrance into the US market is inevitable, I certainly wouldn?t hold my breath.

    Here are three reasons Google will not be offering an insurance comparison product anytime soon in the US market:

    1) High Opportunity Cost

    Finance and insurance is the number one revenue ? generating advertising vertical for Google, totaling $ 4 billion in 2011. While some of that $ 4 billion is made up of products like health insurance, life insurance and credit cards, the largest segment within the vertical is undoubtedly car insurance. The top 3 advertisers in the vertical as a whole are US carriers ? State Farm, Progressive and Geico ? spending a combined sum of $ 110 million in 2011.

    The keyword landscape for the car insurance vertical is relatively dense. A vast majority of searches occur across 10-20 generic terms (ie ? ?car insurance,? ?auto insurance,? ?cheap auto insurance,? ?auto insurance quotes,? etc). This is an important point because it helps explain the relatively high market CPC of car insurance keywords versus other verticals. All of the major advertisers are in the auction for a large majority of searches, resulting in higher prices. The top spot for head term searches can reach CPCs well over $ 40. The overall average revenue/click for Google is probably somewhere around $ 30. Having run run similar experiments with carrier click listing ads using SEM traffic, I can confidently assume that the click velocity (clicks per clicker) is around 1.5. So the average revenue per searcher who clicks is probably somewhere around $ 45 for Google.

    Now, let?s speculate on Google?s potential revenues from advertisers in a comparison environment. Carriers? marketing allowable is approximately $ 250 per new policy. When structuring pay-for-performance pricing deep in the funnel (or on a sold-policy basis), carriers are unlikely to stray from those fundamentals. In a fluid marketplace higher in the funnel (i.e.? Adwords PPC), they very often are managing to a marginal cost per policy that far exceeds even $ 500 (see $ 40 CPCs). While it may seem like irrational behavior, there are two reasons they are able to get away with this:

    a) They are managing to an overall average cost per policy, meaning all direct response marketing channels benefit from ?free,? or unattributable sales. With mega-brands like Geico, this can be a huge factor.

    b) There are pressures to meet sales goals at all costs. Google presents the highest intent of any marketing channel available to insurance marketers. If marketers need to move the needle in a hurry, this is where they spend.

    Regardless of how Google actually structures the pricing, the conversion point will be much more efficient for the consumer since they will be armed with rates and thus there will be less conversion velocity for Google. The net-net here is a much more efficient marketplace, and one where Google can expect average revenue to be about $ 250 per sold policy.

    How does this match up against the $ 45 unit revenue they would significantly cannibalize? The most optimized and competitive carriers can convert as high as 10% of clicks into sales. Since Google would be presenting multiple policies we can expect that in a fully optimized state, they may see 50% higher conversion and thus 15% of clicks into sales. Here is a summary of the math:

    With the Advisor product, in an optimized state, Google will make about $ 37.50 ($ 250 x .15) per clicker. Each cannibalized lead will thus cost Google $ 7.50 of unit revenue ($ 45 ? $ 37.50). Given the dearth of compelling comparison options in insurance (that can afford AdWords), consumers would definitely be intrigued and so one can assume the penetration/cannibalization would be significant.

    Of course there are other impacts to consider: How would this affect competition and average revenue for non-cannibalized clicks? Will responders to Advisor be incremental and therefore have zero opportunity cost?

    2) Advisor Has Poor Traction in Other Verticals

    Over the past couple of years, Google has rolled out its Advisor product in several verticals including: personal banking, mortgage, and flight search.

    We know that at least mortgage didn?t work out very well. Rolled out in early 2011, it was not even a year before Google apparently shut the service down in January of 2012.

    I personally don?t have a good grasp on the Mortgage vertical so I had a chat with a high-ranking executive at a leading mortgage site, an active AdWords advertiser. In talking to him it became clear that there were actually quite a bit of similarities between mortgage and insurance as it relates to Google including:

    1. Both industries are highly regulated in the US, at the state level.
    2. Both verticals are competitive and lucrative. CPCs in mortgage can exceed $ 40.
    3. Like insurance, Google tested Advisor in the UK market first.

    Hoping he could serve as my crystal ball for insurance, I asked, ?So why did Advisor for Mortgage fail?? His response was, ?The chief issue was that the opportunity cost was unsustainably high. Google needed to be as or more efficient than direct marketers who had been doing this for years. They underestimated this learning curve and ultimately couldn?t sustain the lost revenue as a result of click cannibalization.?

    Google better be sure it has a good understanding of the US insurance market before entering, or else history will repeat itself, which brings me to my next point?

    3) They Don?t Yet Have Expertise

    Let?s quickly review some key differences between the UK and US insurance markets:

    1. Approximately 80% of car insurance is purchased through comparison sites in the UK vs under 5% in the US.
    2. There is one very business-friendly pricing regulatory body in the UK versus state-level, sometimes aggressive, regulation in the US.
    3. The UK is an efficient market for consumers, the US is not. This means margins are tighter for UK advertisers, as evidenced by the fact that CPCs in the UK are about a third of what they are in the US.

    As you can see, these markets are completely different animals. Despite the seemingly low barriers for entry in the UK, Google still felt compelled to acquire BeatThatQuote to better understand the market. Yet, it still took them a year and a half post acquisition before they launched Advisor.

    I spoke with an executive at a top-tier UK insurance comparison site earlier this week about Google?s entry. He mentioned that Google wanted to acquire a UK entity primarily for its general knowledge of the market, technology, and infrastructure (API integrations). He said, ?Given [Google?s] objectives, it didn?t make sense for them to acquire a top tier site (ie ? gocompare, comparethemarket, moneysupermarket, confused) so they acquired BeatThatQuote, which was unknown to most consumers but had the infrastructure in place for Google to test the market effectively.?

    It?s very unlikely BeatThatQuote will be of much use for the US market. Google will need to build its product from the ground up. Beyond accruing the knowledge of a very complex, and nuanced market, they will need to acquire or build out the infrastructure. In the US there are no public rate APIs for insurance carriers; very few insurance comparison sites actually publish instant, accurate, real-time rates. Google will need to understand and navigate its way to the rates (though it?s not impossible). It will take some time to get carriers comfortable and then of course build out the technology. Insurance carriers, like most financial service companies, can be painfully slow.

    Conclusion

    I do believe Google will do something with insurance at some point in the US. Of the various challenges the company currently faces, I believe the high opportunity cost is the toughest to overcome. However, the market will shift. As true insurance comparison options continue to mature, consumers will be searching exclusively for comparison sites (see travel), and carriers will no longer be able to effectively compete at the scale they are now ? driving down the market for CPCs and thus lowering the opportunity cost.

    This opportunity cost is much lower however for other search engines where average car insurance CPC?s are lower. If I am Microsoft or Yahoo, I am seriously considering using my valuable real estate to promote something worthwhile in insurance. There is currently a big void for consumers as it relates to shopping for insurance. A rival search engine can instantly differentiate themselves from Google overnight in one of the biggest verticals. This may be one of their best opportunities to regain some market share.

    Source: http://googleping.com/blog/3-reasons-google-wont-offer-car-insurance-comparisons-in-the-us-anytime-soon

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    Monday, December 24, 2012

    Do You Require Customer Credit Card Debt Relief? Locate Out Now ...

    Since of the tumbling economy these days, there has been an increasing quantity of individuals looking for to locate any kind of consumer credit card debt relief. The sad truth is, several folks have actually been living off of their credit cards for fairly a although now. Although the economy keeps heading in a downward motion, there are a lot more folks who now see themselves possessing to use their plastic cards just to spend foods, bills, as well as other basic essentials.

    It is only a little matter of time when the line of credit will run out entirely, then do you know what will take place? Yeah that?s correct, you have to then pay the cash back for every little thing you utilized and in most instances, the credit card is maxed. This indicates you do not have privilege of having it any much more. It is basically the same factor as paying for a car you can not drive any longer

    What generally will take place is that individuals will then commence to be late on paying back their credit and the only money they have is now employed for their simple essentials Sound familiar? I am certain it does!

    This is when individuals will frequently occasions start to look for out distinct locations for customer credit card debt relief.One of the 1st considerations most individuals have is filing for bankruptcy, acquire generally they do not go by means of with it when they recognize the quantity of harm that it can cause on their credit report. Which is great because if a lender ever sees bankruptcy on your credit profile, they will by no means lend funds if you want a loan for a vehicle, mortgage, or any sort of unsecured credit line.

    Source: http://www.bnr.co/finance-2/credit-tips/do-you-require-customer-credit-card-debt-relief-locate-out-now-just-before-you-get-buried-in-debt/

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