vance - Trading Ideas: Brightcove (BCOV) Set To Benefit From Video

Online video platform provider Brightcove, Inc. (NASDAQ:BCOV) is well positioned to benefit from the changing manner of video consumption, evolution of video content on the Internet, proliferation of high speed Internet access, emergence of social media, and an increasing number of different mobile devices.

Brightcove offers Video Cloud, an online video platform that enables its customers to publish and distribute video to Internet-connected devices. The company's Video Cloud platform offers various features and functionalities such as uploading and encoding, content management, video players, live video streaming, distribution and syndication, social media, advertising and monetization, and integrated video analytics.

According to Cisco, internet video represents about 40 percent of consumer internet traffic and is expected to grow to about 60 percent by 2015. The increase is driven by the rapid adoption of smartphones and tablets, higher connection speeds, lower creation costs as well as the rich?consumer experience offered through video.

During 2011, Brightcove's customers delivered and average of approximately 743 million video streams per month with its Video Cloud platform.

"In our opinion, the Brightcove Video Cloud does a better job of organization and categorizing video content and driving that content across Web sites and devices compared to free video sharing sites, in-house solutions and other online video platform players," RBC Capital Markets analyst Robert Breza wrote in a note to clients.

Brightcove started trading Feb.17 on the Nasdaq. The company sees a sizable growth opportunity at more than $5.8 billion by 2015 at a CAGR of 26 percent from 2011.

In terms of business model, Brightcove prices its products on a subscription basis or as software as a service (SaaS) as it lowers the upfront risk of deploying an in-house, perpetual-based software license solution on top of either new or existing hardware.

The robustness of the product and subscription model has built a highly diversified customer base of over 3,872 in 50 different countries which represents less than 1 percent of potential customers.

"We believe that when corporations weigh the costs and complexities of building a video content distribution platform and the numerous shortcomings of video-sharing Web sites, they are likely to realize that turning to an outside video content distribution platform provider, such as Brightcove, makes the most sense for their video libraries," Breza noted.

The analyst noted that the company has high customer retention as the recurring dollar? rate has been in excess of 93 percent in each quarter of 2011, and trended above 86 percent in each quarter of 2010.

In addition, Brightcove has significant international operations and presence for a company of its size and maturity. During 2011, more than half of all Video Cloud video streams were to international locations. In 2011, the company generated approximately 34 percent of its revenue from customers located outside of North America, up from 32 percent in 2010.

"We expect the current and additional international opportunities to represent a significant area of growth and to trend toward a 50/50% mix over the long term," the analyst said.

Brightcove's total revenue has progressed from $8.5 million in 2007 to $24.5 million, $36.2 million, and $43.7 million in 2008, 2009, and 2010, respectively. Revenue in 2011 totaled approximately $63.6 million, which reflects a year-over-year growth rate of approximately 46 percent.

Breza expects about 21 percent growth in 2012 and believe the company can accelerate its revenue growth rate to approximately 32 percent in 2013.

"Given the early stage of its growth profile, Brightcove has yet to turn a profit, but we estimate that should change over the next several years as the company ramps up and scales against its expense base," said Breza, who has an "outperform" rating on Brightcove shares.

Source: http://www.istockanalyst.com/finance/story/5754608/trading-ideas-brightcove-bcov-set-to-benefit-from-video-content-explosion

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In Canada, the penny's about to drop into history

Pennies are shown in Ottawa on Thursday, March 29, 2012. The humble one-cent piece is set to disappear from Canadian pockets, a victim of inflation. Thursday's federal budget said the Royal Canadian Mint will strike the last of the little coins this fall. Responses Friday were mixed, with some Canadians saying it would make life easier, while others worried it would become an opening for sneaky price hikes. (AP Photo/The Canadian Press, Sean Kilpatrick)

Pennies are shown in Ottawa on Thursday, March 29, 2012. The humble one-cent piece is set to disappear from Canadian pockets, a victim of inflation. Thursday's federal budget said the Royal Canadian Mint will strike the last of the little coins this fall. Responses Friday were mixed, with some Canadians saying it would make life easier, while others worried it would become an opening for sneaky price hikes. (AP Photo/The Canadian Press, Sean Kilpatrick)

TORONTO (AP) ? They clutter your dresser and cost too much to make. They're a nuisance and have outlived their purpose.

Finance Minister Jim Flaherty was talking about the Canadian penny and why the Royal Canadian Mint will end its production this fall as part of his austerity budget.

"The penny is a currency without any currency in Canada, and it costs us 1.5 cents to produce a penny," Flaherty told reporters.

Responses Friday were mixed, with some Canadians saying it would make life easier, while others worried it would become an opening for sneaky price hikes.

David Berman, a blogger at the Toronto Globe and Mail, took issue with Flaherty calling the penny a nuisance. "For a government that has been warning Canadians against piling on too much debt, it seems like a contradiction to then denigrate the one-cent coin ? hey, it's still money ? as nothing more than a waste of space. It isn't."

Flaherty said a Canadian senate committee held hearings on the penny last year and not one witness came forward to say it should be spared.

A government statement said New Zealand, Australia, the Netherlands, Norway, Finland, Sweden and others "have made smooth transitions to a penny-free economy." It said penny production cost $11 million a year, and that the coins, which feature two maple leaves and Queen Elizabeth II in profile, would remain legal tender until they eventually disappeared from circulation.

It said it expected businesses to round out the numbers on price tags where necessary.

"Our members are not opposed to the proposal as long as the proposed system of rounding is adequately explained to Canadians. That's the sweet spot. We've got to make sure people understand what's going on," said Sally Ritchie of Retail Council of Canada.

Ralph Moyal, President of the Retail Merchants' Association, said dropping the penny might speed up transactions.

"Pennies are unnecessary and no longer have any function," Moyal said. "I haven't heard any complaints from our retailers."

In Toronto, Mary Pascale, who co-owns a gourmet food shop, agreed the penny was a nuisance and said she already rounds out prices to the nearest 5 cents. Otherwise "it takes time to count all the change."

Theo Danilov, a web developer, said: "I am happy about having less change in my pockets." But he had qualms about the rounding up, saying: "It's another way for merchants to nickel and dime their customers."

Brian Grant Duff, a Vancouver coin collector and dealer, said he'll mourn the penny but acknowledged there's very little use for it.

"It's sad for collectors and history buffs. It makes you think of all those expressions ? a penny for your thoughts or having a lucky penny," he said. "I was born in the mid '60's, so even in my lifetime there hasn't been a lot you can buy with a penny. And now if you walk down the street most people would be too ashamed to pick up a penny or wouldn't bother, and they probably wouldn't feel too good about handing a penny to a homeless person."

As for the U.S., however, he said: "It's hard for me to imagine the Americans saying, 'That's it, we're getting rid of the penny. It's got Lincoln's head on it.'"

The U.S. Treasury Department cited a statement from Treasurer Rosie Rios from earlier this year when asked about the Canadian decision. She said the Obama administration has looked at possibly using cheaper materials to make the penny, which is now made of zinc.

That's quite a difference from when candidate Barack Obama was campaigning to become president.

"We have been trying to eliminate the penny for quite some time ? it always comes back," Obama said at the time. "I need to find out who is lobbying to keep the penny."

Two separate bills calling for the demise of the penny, introduced in 2002 and 2006 by Republican congressman Jim Kolbe, failed to advance in the U.S. House of Representatives.

The American zinc lobby has been a major opponent to suggestions that the penny be eliminated. Another advocacy group called Americans for Common Cents passionately defends the tiny coin.

"Eliminating the penny is a losing proposition because it will result in rounding to the nearest nickel and higher prices for America's working families," a statement on the group's website reads.

"This increased cost to consumers will be felt in everything from the grocery store to the gas pump. Pennies add up to millions of dollars every year for charities across the country. Simply put, the penny plays an important role in our everyday lives and in our nation's economy."

___

AP Economics Writer Marty Crutsinger in Washington and AP Writer Charmaine Noronha in Toronto contributed to this report.

Associated Press

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Jon Stewart Rips Spike Lee for Ruining Adorable Old Couple's Life With Tweet [Video]

Spike Lee recently re-tweeted the home address of an elderly couple that he mistakenly thought was George Zimmerman's house to his 256,000 followers. Last night, Jon Stewart rightly—and hilariously—took him to task on The Daily Show. More »

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'Hero' doctor saves babies caught in Romania corruption

Vadim Ghirda / AP

Doctor Catalin Cirstoveanu, right, checks a newborn baby before transport to Italy for heart surgery from the intensive care unit of the Marie Curie children's hospital, on March 22, 2012, in Bucharest, Romania.

By The Associated Press

Dr. Catalin Cirstoveanu runs a cardio unit with state-of-the-art equipment at a Bucharest children's hospital. But not a single child has been treated in the year-and-a-half since it opened.

The reason?

Medical staff he needs to bring in to run the machinery would have expected bribes.

So Cirstoveanu has launched a lonely crusade to save babies who come to him for care: He flies them to Western Europe on budget flights so they can be treated by doctors who don't demand kickbacks.

That's what Cirstoveanu did last week for 13-day-old Catalin, who needed heart surgery. Cirstoveanu packed a small bag, slipped emergency breathing equipment into the baby carrier and caught a cheap flight to Italy, where doctors were waiting to perform the surgery.

---

The operation was successful. Two days later, though, a 3-week-old baby that Cirstoveanu whisked away to the same clinic in northwestern Italy ? with tubes piercing her tiny frame ? died before she was able to have lymph gland surgery.

"I was very worried it wouldn't work," said Cirstoveanu. "But in Romania, she would have died anyway."

The soft-spoken Cirstoveanu is fighting an exhausting and largely solitary battle against a culture of corruption that's so embedded in Romania that surgeons demand bribes to save infants' lives and it's even necessary to slip cash to a nurse to get your sheets changed.

It's one of the reasons why the country's infant mortality rate is more than double the European Union average, with one in 100 children not reaching their first birthday.

"To be honest, it's so deeply rooted into our system that it's really difficult to eliminate," Health Minister Ladislau Ritli said in an interview with The Associated Press.

Officially, the new cardio unit that Cirstoveanu runs at the Marie Curie children's hospital isn't functioning because jobs have not been filled. The real reason appears to be that Cirstoveanu has banned staff from taking bribes. That means that high-tech machinery lies idle because qualified experts do not bother to apply for jobs, as they know they cannot supplement their incomes with bribes.

The zero-tolerance policy to corruption makes for a grueling work schedule for Cirstoveanu, who needs to shuttle babies abroad for surgery ? and take care of them on the flight. During the two-hour flight with the girl who died, Cirstoveanu fixed tubes, sedated her and hand-pumped oxygen to keep her alive.

In the less than 24 hours Cirstoveanu had in Bucharest between returning from Catalin's trip and departing with the little girl, he even squeezed in a shift at the Marie Curie clinic.

Endemic corruption
Patients in Romania routinely discuss the "stock market" rate for bribes. Surgeons can get hundreds of dollars and upward for an operation, while anesthetists get roughly a third of that, depending also on what a patient can afford. Nurses receive a few dollars from patients each time they administer medications or put in drips. Getting a certificate stamped to have an operation abroad can easily cost hundreds, if not thousands of dollars if you ask the wrong doctor.

While the Romanian state appears unwilling to do anything, it often ends up footing the bill.

At the Marie Curie unit, Catalin's operation would have cost $2,700 to $4,000 without bribes. Romanian state health insurance is paying 10 times that for his operation in Italy ? a small fortune in a country where the average monthly salary is about $460 after tax.

Many disillusioned doctors have abandoned the country, which spends just 4 percent of its gross domestic product in health care ? about half of the percentage of GDP spent by Western European countries.

Last year, some 2,800 Romanian doctors ? discouraged by the antiquated and corrupt health system and low wages ? left to work in Western Europe, according to the Romanian College of Doctors.

"Ideally, we would have decent salaries and nobody would be tempted to accept informal payments," said the Ritli, the health minister. "And the population would be educated so people would believe that this is not the only way to get proper health care."

Bribes across Romania accounted for some $1 million a day in 2005, according to a World Bank report; more recent estimates are not available. The culture of bribes ? or "informal payments" as they're commonly known ? is tacitly accepted.

But anger is rising. One of Marie Curie's donors, Procter & Gamble, has several times gone back to the hospital and the Health Ministry to ask questions about when the unit will start functioning.

The tragic plight of Romanian children is nothing new.

Communist legacy
In a misguided effort to boost Romania's then-population of 23 million, Communist dictator Nicolae Ceausescu banned birth control and abortion, which led to thousands of infants being left in orphanages in harrowing conditions broadcast around the world after his execution in 1989.

Nearly a quarter-century later, the country's shortcomings are again being seen through the gaze of children and powerless parents trapped in a web of corruption.

For those whose children die shortly after birth, grief is magnified when they do not receive a birth certificate or even see their babies alive. Angela Vasile, whose baby daughter, Cristina, only lived one day, saw her infant just once after she'd died, lying on a metal table.

She was then put in a ward of nursing mothers, adding to her anguish.

Bianca Brad, a Romanian celebrity, spoke out publicly about the pain of losing her baby at birth ? calling the situation "criminal." She founded the "EMMA Association" to help grieving parents, offering support for those who do not receive psychological counseling and remain locked in years of grief.

Yet remarkable things are happening at the Marie Curie Hospital. Cirstoveanu is personally overseeing the survival of Baby Andrei, an 8-month-old Roma baby born to underage parents. His intestines are almost nonexistent.

The tiny infant who weighs about 4.4 pounds with limbs that look like gnarled twigs was given only days to live. His bright eyes, alert gaze and lively personality have endeared him to all staff who comfort him in their arms as much as they can outside of his incubator.

Andrei can only have lifesaving surgery in the United States ? and a fee of hundreds of thousands of dollars is proving prohibitive. Nurses are so fond of the bright boy that they are playing the state lottery in an attempt to raise funds for his surgery.

Even in this grim setting, there are signs that doctors are mobilizing in a bid to make things better.

Anca Mandache, a child heart surgeon, left her career in France to offer her services to the Marie Curie hospital, taking a salary one tenth of what she would have earned there. Others also are expressing an interest in working at the clinic

Cirstoveanu, who also flies sick babies to Germany and Austria, says he feels "ashamed" that he has to go to the lengths he does to save children, but talks with pride of the moment he sees the joy of relieved parents whose babies survive.

They are in awe of his dedication.

"Cirstoveanu is more than a hero ? he is a god for us and the children," said Gheorghe Meliusoiu, Catalin's 28-year-old woodcutter father. "If there were more like him, many lives would be saved."

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? 2011 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

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Amazon boss 'finds Moon engines'

28 March 2012 Last updated at 19:43 ET

A close-up view of the Apollo 11 launch

Amazon founder Jeff Bezos says he has located the long-submerged F-1 engines that blasted the Apollo 11 Moon mission into space.

In a blog post, Mr Bezos said the five engines were found using advanced sonar scanning some 14,000ft (4,300m) below the Atlantic Ocean's surface.

Mr Bezos, a billionaire bookseller and space-flight enthusiast, said he was making plans to raise one or more.

Apollo 11 carried astronauts on the first Moon landing mission in 1969.

The F-1 engines were used on the giant Saturn V rocket that carried the Apollo landing module out of the Earth's atmosphere and towards the Moon.

They burned for just a few minutes before separating from the second stage module and falling to Earth somewhere in the Atlantic.

Mr Bezos' announcement comes days after film director James Cameron succeeded in his own deep-sea expedition, reaching the bottom of the Mariana Trench, the deepest point on the planet.

Museum hopes

Announcing the discovery on his Bezos Expeditions website, Mr Bezos described the F-1 as a "modern wonder" that boasted 32 million horsepower and burned 6,000lb (2,720kg) of rocket-grade kerosene and liquid oxygen every second.

"I was five years old when I watched Apollo 11 unfold on television, and without any doubt it was a big contributor to my passions for science, engineering, and exploration," he wrote, confirming that his team had located the engines but without hinting where they might be.

"We don't know yet what condition these engines might be in - they hit the ocean at high velocity and have been in salt water for more than 40 years. On the other hand, they're made of tough stuff, so we'll see," Mr Bezos wrote.

His privately funded team was planning to raise one or more engines, he wrote.

He said he planned to ask Nasa - which still owns the rockets - for permission to display one in the Museum of Flight in his home city of Seattle.

Nasa said it looked forward to hearing more about the recovery, the Associated Press reports.

Other elements of the Apollo missions - including the Apollo 11 command module - are on display in the Smithsonian National Air and Space Museum in Washington DC.

The attempt to raise the F-1 engines is not the first foray into space technology for Mr Bezos.

In 2000 he founded a private space flight firm, Blue Origin, which has received Nasa funding and is working on making sub-orbital space flight commercially available.

Source: http://www.bbc.co.uk/go/rss/int/news/-/news/world-us-canada-17544565

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Few Important Things Related with Photography including Pixels ...

Home | Arts & entertainment | Photography

You need to do a small research on types of cameras available in the market keeping in mind your aspirations and needs. Today, there are DSLR (Digital Single-Lens Reflex) cameras, compact cameras and pocket cameras to choose from with so many models and ranges. You need to figure out what sort of pictures you wish to take, how much you are eager to learn, and how much money you are prepared to spend. Also, whether you plan to be a professional photographer in the future, just use your camera as a hobby, or simply take few snapshots occasionally.

As a starter, you need to be confident in holding the camera properly. As you progress in your photography endeavor, you will learn new things that would help you use your camera proficiently while achieving more creative images.

For photographers, lighting is the thing they leverage on and manipulate to achieve their output. Getting the best out of the sun is one of their targets. You will learn interesting techniques related with filling in the shadows. You will also learn a lot about indoor lighting. One of the areas where you may like to spend a lot of time is achieving ultra close-ups in focus.

It is the no. of pixels that define the quality of photos from digital cameras in a significant way. For practical purposes, it is the length of pictures that would determine the amount of pixels that you require for your digital camera. For a post card size photo, 6 million pixels is perhaps adequate. In addition to pixels, quality of lens is also important for good photos.

Cameras can be broadly categorized into two heads: fixed lens and interchangeable lens. Cameras with fixed lens are smaller, lighter and more portable. Professional photographers still like to use tripods although they are bulky and heavy for a reason. It is not just because of nostalgia: there are certain things you can do only and only on tripod.

In these days of automatic cameras, an important feature that distinguishes professional photographers from laymen is composition: boundary of the photo is a decision which is in the hand of a photographer and has profound impact on the end result. This is technically called cropping. Viewpoint, the position from which you take photos of your subject, is also a defining factor in the quality of output of your image. Understanding which viewpoint is actually the best for the kind of photos you are aspiring for is an important step in your transformation from an amateur photographer to a professional photographer.

Today, you can use member?s gallery on Web to get feedbacks on your photos. One important thing that you should keep in mind is presentation. Photography is all about presentation, and so golden rules of presentation apply to photography as well. Show only the best photos even if there is temptation to show all. You will later not regret as you have succeeded in maintaining the interest and avoided the frustration of making the viewers bored. Also, you need to take proper backups and storage so that there is no chance to lose your photos because of technical and other lapses.

About the Author

Photographer Kent is based in Folkestone, Kent and excels in wedding photography, PR photography, portrait photography and aerial & commercial photography. The studio is located at 14 Kingsnorth Gardens, Folkestone, Kent, CT20 2QW. You can call at +44 [0]1303 243 935 for an appointment.

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Source: http://jccrestaurantreviews.blogspot.com/2012/03/camp-coffee-summer-staple-for-best-iced.html

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Trayvon witness' mom: Police doubt self-defense

Cheryl Brown, accompanied by her attorney, Alisia Adamson, describes the police interview of her 13-year-old son, a witness in the Trayvon Martin slaying.

By M. Alex Johnson, msnbc.com

The mother of a 13-year-old witness in the slaying of Trayvon Martin said Wednesday that police waited five days before seeking to question her son and then told her they didn't believe the shooting was self-defense.

Asked by host Al Sharpton on MSNBC TV's "PoliticsNation" whether the boy, who called 911 at the time of the incident Feb. 26, believed George Zimmerman, 28, shot Martin, 17, in self-defense, Cheryl Brown firmly replied, "Not at all."

(Msnbc.com is not naming the boy because he is a minor. Sharpton has been active in protests and petitions seeking to have Zimmerman arrested.)

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ABC News reported this week that Sanford, Fla., police sources told it that the boy saw a man fitting Zimmerman's description lying on the grass crying for help seconds before he heard the gunshot that killed Martin. Many news organizations, including msnbc.com, linked to and referred to the ABC News report. Advocates for Zimmerman have argued that the report supported his attorney's claim that he fired in self-defense.

Sanford police, who have previously said they wouldn't take questions about the case, didn't answer calls seeking comment from msnbc.com on Wednesday.

The shooting occurred Feb. 26, and Brown's son called 911 to report it at the time. But police didn't seek to question him until March 2, Brown said. She wasn't home, so they returned March 5, meaning eight days passed before police actually questioned a key eyewitness.

"I was waiting every day for someone to come knocking on the door," she said.

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Once they did, Brown alleged, police tried to lead her son to agree to certain assertions, such as the race of the person on the ground and what he was wearing. But the boy stuck to his insistence that he couldn't make out either because it was too dark.

Brown alleged that the lead investigator "told me this was not self-defense," saying she should "read between the lines" because "this was racial stereotyping."

Martin was black; Zimmerman is Hispanic.

She said the investigator said he had children of his own "and seemed angered by it," saying, "I need to prove this was not self-defense."

Brown's son was walking the family dog when he saw the person lying on the ground, she said. He went to help, but the dog escaped from its leash, so he went chasing after it rather than rushing to the person, she said.?

Police have confirmed that Zimmerman told them that Martin knocked him to the ground and began beating him. At no time did her son see anyone beating anyone, Brown said.

In the days since the shooting, the boy has reflected on whether he might have been able to help or even save Martin had he not tried to retrieve his dog, she said.

"Unfortunately, he has a lot of guilt about that," she said.

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Source: http://usnews.msnbc.msn.com/_news/2012/03/28/10909475-witness-mom-says-police-told-her-trayvon-martin-shooting-wasnt-self-defense

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Source: http://www.endangeredplanetmuseum.org/promote-your-internet-business-online-globally-with-online-marketing-company/

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Website development ? Taking Your own Business Online | Article ...

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Asthma Management with Herbal Remedies

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Asthma is affecting a huge number of people today, both young and adults. The main reason for this disease is the poor environmental conditions like pollutants, dust, fumes, tobacco smoke, viruses, bacteria and fungal spores. The Ayurvedic branch of medication believes that asthma occurs due to improper nutrition and diet, toxins that accumulate in the body, lack of exercise and poor digestion. Whatever be the reason, one thing is definite that the disease certainly requires necessary precautions, which can only be achieved through Asthma Management.

Useful Information about Asthma Pathophysiology

Asthma attacks may affect a person either genetically or through various external reasons like pollution, micro organisms, and climatic changes and even by emotional stress.

When the attack occurs it causes the patient to experience difficulty in breathing along with an inflammation in the airway. The bronchi muscles get swollen causing congestion in the chest and the person also develops a feeling of panic and anxiety.

Asthma Pathophysiology states certain symptoms of asthma that can help people identify an asthma attack and take necessary steps to overcome it. The symptoms are difficulty in breathing easily, sneezing, dry to wet coughing, moodiness, headache, stuffy nose, itching in the throat, sleeping problems, dark circles under the eye, feeling tired soon, unable to carry out normal exercises, bluish color of lips, rapid pulse, and excessive sweating. The asthma attack may come slowly or suddenly and the best way to recognize it is by following the occurrence of any of these symptoms in a person, who suffers from asthma.

Asthma Management through Herbal Remedies

Ayurvedic treatment for any disease follows a very natural way combined with spiritual teachings to help the patient to recover completely along with acquiring a healthy life style. All the medication here is made from herbs and medicinal plants are very safe without any hazards that may be imposed through chemical drugs. The herbs used in Ayurvedic treatment to treat asthma are elecampane, mullein, licorice, turmeric, thyme, Yerba Santa, black pepper, flax seeds, antalkali ginger, clove, manna, and myrrh.

These herbs can be easily found in any of the health food shops or local grocery.? The effects of the herbs can be obtained by either eating it raw or by adding it to your meal. These herbs help in Asthma Management by treating poor digestion, production of excessive mucous, and sneezing. These work by releasing rejuvenating agents that strengthens the lungs and gives them a long life.

Asthma Pathophysiology can be overcome effectively through other Ayurvedic means like yoga, meditation, walking, regular exercise, and also certain breathing exercises. The life today has become too fast for people to take time out to relieve them of stress and just relax for some time. Yoga and meditation is the best way for a person to focus on them and spend some quality time by relaxing. This surely does help to relieve a person from the effects of asthma by strengthening their lungs and body from the inside.

A fast remedy for asthma that anyone can easily prepare at home is made by mixing one teaspoon of dalchini powder with one teaspoon of honey and having it before going to sleep at night. This greatly prevents any attacks of asthma from occurring during the night.

Source: http://health.ezinemark.com/asthma-management-with-herbal-remedies-7d350e3ffa9c.html

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Keeping Your Payday Loan Fees Low

There are particular things you need to have to be conscious of as you research or begin the process of acquiring a payday loan.

Constantly read the fine print.

So a lot of b?

A payday loan can help you when you dont quite have sufficient funds to make it to payday. If you are planning to take out a payday loan, do everything attainable to hold your costs low. When you are facing a monetary difficulty, the last point that you want is to accrue significant finance charges when you take out a payday loan.

There are specific items you want to be conscious of as you research or start the method of getting a payday loan.

Often read the fine print.

So a lot of borrowers are in such a hurry to get their funds, that they forget to carefully peruse the contract they are signing and this omission typically costs them lots of money. Often the terms of repayment state that unless you particularly inform the company a specific quantity of days ahead of your payday, of the amount of payment you want to make, they will automatically float the loan for anther spend period and only deduct a finance fee from your bank account. If this takes place, it can finish up costing you funds you would not have spent had you carefully read the fine print.

Pay the loan back as soon as feasible.

When you take out a payday loan, make it a priority to repay that loan as quickly as feasible. Every pay period that you float the loan a finance charge is deducted from your account but the loan quantity that you must repay doesnt adjust. These finance charges can speedily add up to a lot more than the original total that you borrowed. Even if you cant repay the loan in full, make a payment on the principle every single month.

Shop around for the very greatest interest rates.

Not all payday loan businesses are produced equally. There are so several payday loan firms that rates are becoming far more and much more competitive. With the advent of on-line payday loan organizations, it is even less complicated to compare rates and pick the company that greatest meets your needs. You can even visit sites that make internet site comparisons for you. If you take the time to shop about for the best rate, you can save yourself a lot loan fees.

There are certain things you need to have to be conscious of as you investigation or begin the approach of getting a payday loan.

Constantly read the fine print.

So many b?

A payday loan can help you when you dont very have sufficient income to make it to payday. If you are preparing to take out a payday loan, do every thing possible to hold your expenses low. When you are facing a financial difficulty, the last factor that you require is to accrue large finance fees when you take out a payday loan.

There are specific items you need to be conscious of as you investigation or begin the method of obtaining a payday loan.

For more information about this topic visit team. More details located at online cash loans critique.

Source: http://officerelocationmagazine.com/keeping-your-payday-loan-fees-low/

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Today on New Scientist: 23 March 2012

Mega wasp named after Indonesian mythical beast

A new genus of digger wasp has been described - and black is definitely its colour

Joe Davis: The mad scientist of MIT?

A new film offers an inside view into the life of artist and experimental scientist Joe Davis

Friday Illusion: Sneaky sound alters what you see

Watch a new illusion that shows how the direction of a sound can skew your perception of motion

Prehistoric fisheries offer clues to sustainable catch

Ancient societies of Hawaii and Canada farmed the seas sustainably for centuries but netted a bountiful harvest that seems to defy modern expectations

Syrian uprising raises fears over chemical weapons

If the government is toppled, what will become of Syria's weapons of mass destruction?

Feedback: Pet pendants, possibly

Would you like to offer your pet dog or cat some chemical-free flea and tick control? If you're a New Zealander, you're in luck

The life and loves of Isaac Newton

In his new novel, The Sensorium of God, Stuart Clark catalogues the messy international and interpersonal politics at the time of Newton's breakthroughs

Reptile grew feather-like structures before dinosaurs

Some 80 million years before the first feathered dinosaurs, Longisquama grew impressive structures using the same genes

The God issue: Alain de Botton's religion for atheists

Religions are not literally true but neither are they total nonsense. Alain de Botton explains why atheists need to reclaim the useful bits

Classical music affects heart transplants

Mice with heart swaps survived twice as long when they listened to classical rather than pop music after their operation

Source: http://feeds.newscientist.com/c/749/f/492992/s/1dbaa1c3/l/0L0Snewscientist0N0Cblogs0Cshortsharpscience0C20A120C0A30Ctoday0Eon0Enew0Escientist0E230Emarc0E20Bhtml/story01.htm

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All You Need to Know About Auto Insurance or even Car Insurance ...

If you just go online and discover one of those price comparison websites for free auto insurance so you play around from it for a while you will likely save some money each month on your car insurance. However, you could be able to help save even more cash by first studying some of the actions to reduce the cost of your car insurance coverage even before you receive online. By way of example, did you know that airport parking your car in a very garage through the night can save you cash?

There are only a small couple of states that don?t require drivers to purchase car insurance and colorado is one of those says. However, although Iowa may not need that you buy car insurance, Iowa really does require which you be able to demonstrate financial duty in the event that you are involved in an accident. In practice this is the fine line, and most Iowans choose the straightforward technique out and get auto insurance in texas although there are many other, more torturous, methods of proving financial duty.

Right now there are numerous car insurance quotes companies almost all trying to get one to buy their unique insurance plan for the car. Through quacking ducks to talking reptiles, there is an excess of commercials, all finished with the objective to get you subscribe to their company. One of the better options that I observed is to go surfing and compare the different auto insurance policies. That way, it is easy to pick one up that fits your specific situation. Additionally, I have found that will utilizing the Net is the best approach to saving money. Before you go out and buy from your first company that offers a car insurance policy, it is crucial that you understand which usually items are necessary for protecting your assets.

Posted in general | Tagged business, cars, computers, fin4nc3, home, Internet, marketing, website |

Source: http://www.si-paris2006.org/all-you-need-to-know-about-auto-insurance-or-even-car-insurance/

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Antique Automobile Club of America Museum, Dusty Jewels, Off ...

Tuesday, April 3rd Through Thursday, October 25th

The Antique Automobile Club of America Museum is proud to announce the April 3rd opening of its next major motorcycle exhibit, ?Dusty Jewels: Off-Road Motorcycles of the 1970s?.? This exhibit features more than 20 motorcycles that tell the story of off-road motorcycles of the 1970?s.

The 1970s were the ?high water mark? of interest in motorcycling in the United States, and a unique variety of manufacturers world-wide supplied America with motorcycles. Prior to the decline in motorcycle sales in the 1980s and 1990s, many diverse factories produced models that were both functionally cutting-edge and aesthetically very different from one another. Prior to the modern decades of motorcycles being essentially identical, with differing paintwork, designers and factories in the 1970s were still ?figuring it out.? This decade was marked by the invention of long-travel suspension, classic frame geometry, and the development of the lightweight two-stroke engine. These factors together contributed to the creation of the first modern off-road motorcycles-the basic design of which is utilized today.? 1970s motorcycles also reflected design trends from the various countries of manufacture. Machines of the 1970s were truly varied in their execution, and most of this innate character could be traced to aspects of the cultures that made them.

?Dusty Jewels? explores the off-road aspect of the 1970s motorcycle boom in America, and particularly highlights the aesthetics of these bikes . Among the many exquisite machines on display will be: BSA, Rickman, and Sprite (England); Maico and DKW (Germany); Ossa, Montesa, and Bultaco (Spain); Puch (Austria); Harley-Davidson, Penton, Yankee, and Rupp (USA); CZ (Czechoslovakia); Yamaha (Japan); and Husqvarna and Monark (Sweden). The exhibit will feature examples of the most beautiful off-road motorcycles ever made, as well as commenting on the transformative events of the 1970s, both within motorcycling and in the culture at large.
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Complete Vehicle Listing:???
1965 CZ ?Side-piper? Motocross
1969/70 Hodaka Super Rat
1970 DKW 125 Boondocker
1970 Maico MC250
1970 Rupp Scrambler
1970 BSA 441 Victor Special
1971 Sprite 125
1972 Bultaco 200 Pursang
1972 Monark 125
1972 Ossa 250 Stiletto
1972 Rickman-Zundapp 125
1972 Montesa Cappra 250 (?Grey Ghost?)
1972 Yankee 500Z (custom flat-tracker)
1973 CZ 250 Motocross
1973 Maico (Wheelsmith/ASR) 440
1973 Penton 175 Jackpiner
1973 Puch 175 Motocross
1975 Husqvarna CR250
1978 Montesa 360 VB
1974 Yamaha YZ250
1974 Harley-Davidson Baja 100

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About the Antique Automobile Club of America Museum:?
The Antique Automobile Club of America Museum, a member of the Smithsonian Institute Affiliations Program, displays beautifully restored automobiles, buses and motorcycles in unique life-like scenes representing the 1900?s ? 1970?s in a cross-country journey from New York to San Francisco.?? The AACA Museum, a 501(c) (3) non-profit organization, is one of the nation?s newest and largest automotive museums.? Special exhibits change several times a year and focus on a variety of eras and types of vehicles.? The AACA Museum is located just off Route 39, one mile west of Hersheypark Drive in Hershey, Pennsylvania.? Regular admission $10, seniors age 61 and older $9, juniors age 4-12 $7, children age 3 and under are FREE.? The Museum is open daily from 9:00 AM to 5:00 PM and select evening hours during the summer months.?? For further information, please call 717-566-7100 or visit AACA Museum?

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Source: http://centralpennartguide.com/antique-automobile-club-of-america-museum-off-road-motorcycles

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YES! Batch?s Photo-Sharing App Finally Supports Facebook Album Creation

Remember Batch, the photo-sharing app that lets you share iPhone photos on Facebook, Twitter, and via email? Wait, before you roll your eyes - photo-sharing app? Sigh... - let me stick up for Batch: it's one of the good ones. But today's update makes Batch even better than before because it addresses one of the major pain points I had in using the app - something that I'll admit led me to drop it after initial tests - Facebook album support. Prior to the newly updated version, Batch allowed you to create albums and share them on Facebook, but the photos themselves remained within Batch's service. When users clicked a shared link, they were taken to Batch, not a Facebook album. But with the update, that has changed. Batch now uploads all of the photos to Facebook for you. And it does so incredibly fast.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/mnzGFdOZUYY/

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BAMMA brings us the most terrifying MMA poster ever

BAMMA, a British-based promotion, is putting on their ninth show this weekend. The fight card is topped off by veteran Tom Watson taking on Jack Marshawn, an--WHY IS A CLOWN STARING AT ME?

Colin Fletcher is a lightweight submission specialist with a 7-1 record and a tendency to frighten people and eat their souls. Now, if you'll excuse me, I'm going to attempt to wipe him from my nightmares.

Source: http://sports.yahoo.com/blogs/mma-cagewriter/bamma-brings-us-most-terrifying-mma-poster-ever-122052074.html

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What's the Difference Between Venture Capital and working capital ...

It is not uncommon for

business owners suffering through a cash flow crunch to deter mine that bringing on an equity partner or investor, seeking as a venture capitalist or angel investor, will solve all their problems. Unfortunately, during my 28 years in the alternative business finance industry, I have seen many businesses fail due to this kind of thinking.

Specifically, these owners did not understand the difference between equity financing and working capital. I?ve seen good, profitable businesses Blow Themselves up because of cash flow problems, entrepreneurs and non-ownership and control of their companies before they had a chance to succeed. A lot of this grief could have been Prevented had opened their minds and the owners taken the time to seriously look at all the financing options that are available to them. Often, what these businesses really need is simply a in boost or access to more working capital. ?There is a big difference between increasing working capital and bringing on an equity partner,? says Davis Vaitkunas to an investment banker and President of Bond Capital in Vancouver, BC. ?While owners suffering from cash flow problems may think their only solution is a large injection of cash from an equity investor, that could very well be the worst possible thing to do, ?says Vaitkunas. ?In fact, the math will demonstrate trate that the owner who funds 100 percent of his or her working capital with equity earns a lower return on owner?s equity.? vs. working capital. Equity Financing

At this point it might be helpful to clarify some terms. For starters, ?working capital? is the money used to pay your business bills until the cash from sales (or accounts receivable) has actually been received. Terms vary among industries for sales, but normally a business can expect to wait somewhere between 30 and 60 days to be paid. Therefore, as a general rule, your business should retain two times its monthly sales in the form of working capital. You can increase the amount of available working capital by retaining profits, improving supplier credit, or using alternative financing vehicles.

?equity financing,? meanwhile, is money a business acquires by selling some of the ownership shares in the business. In many cases, this can also involve giving up control in some or all of the most important business decisions. This can be a good thing if the investor brings unique expertise in some or synergy to the relationship. However, the terms of an equity investment can be complicated, so it is important to completely understand them and have good legal counsel. Think of it as a business marriage. According to Vaitkunas, ?Businesses should use equity to finance long-term assets and working capital to finance short-term assets. You want to apply the matching principle and match the length of the asset life to the length of liability life. ? A long-term asset takes more than one 12-month business cycle to repay, while a short-term asset will normally be repaid in less than 12 months. When to Dilute Equity

?equity is a precious commodity, ?Vaitkunas stresses. ?It should only be sold when there is no other option. The equity partner should bring experience and / or contacts that can not be found elsewhere.? The best strategy is to secure equity financing at a time when you can negotiate and preferably dictate some of the terms. Ideally, absolute control should remain with the owner.

Timing is everything when it comes to equity financing, Vaitkunas continues. ?Sometimes it?s best to simply take your time and wait for the best value proposition. While you?re waiting, you can grow within your means using short-term liabilities.? Not

It?s usually a good idea to look for equity when a business is new, struggling to earn a profit or suffering from a setback. Unfortunately this is exactly the time when many business owners start thinking they need to ?find an investor.? This process can take a thumb lot of time and consume a lot of energy, Which are taken away from the business, and this can have an aggravating and compounding effect on the existing problems.

As a rule of, equity partners should only be sought once a company has a proven track record of sales and profitability and there is an identifiable and specific need for the money. Then, it is important to show how an injection of capital will create even greater profits and higher sales. A business that has a proven level of profitability, some historical sales growth and sales growth even more future potential is a much more attractive investment to potential equity partners. Financing Working Capital

Working capital shortages are a short-term problem-that can be financed with senior debt or mezzanine debt. In the alternative, short-term financing is also available from factoring or A / R financing providers who look to accounts receivable and inventory Certain assets as collateral. A combination of these types of alternative strategies can boost working capital available to the point where the need for an equity partner disappears.

So how do you decide Which financing tool to use for the job? ?If you are tempted to consider in equity injection to resolve growing pains, you must also consider possible partnership risk along the way and the true cost that equity can bring down the road,? says Vaitkunas. The best solution may be in working capital accounts receivable line of credit, Which costs less than equity and does not introduce partnership risk

The bottom line:. There are many alternative options available to businesses in need of a cash infusion other than taking on a partner or shareholder. It is important for every business owner to know and understand all of the decision options before making such important to. Knowing about all the options that are available, and understanding when it?s best to use which one could preventDefault-a lot of grief and hardship for a lot of business owners.

id=?article-resource?> Tom Klausen is the senior vice president of First Vancouver Finance in Vancouver, BC. Tom has had extensive experience in providing alternative financing solutions to small business owners, and thus provides business management consulting services to both traditional and non-traditional lenders throughout North America. He can be contacted at (604) 988-1490 or via email at TKlausen@fvf.ca .

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Source: http://www.lovefinanceinfo.com/2012/03/whats-the-difference-between-venture-capital-and-working-capital/?utm_source=rss&utm_medium=rss&utm_campaign=whats-the-difference-between-venture-capital-and-working-capital

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