Non-profits and Social Media: Fundraising Campaigns Where ...

Fundraising is one of the necessary evils of the non-profit world.

In order to keep a non-profit afloat, and do the good works that you originally set out to do, you have to be funded. That requires some mix of seeking grants from the government and businesses, as well as approaching individuals to ?invest? in the work you are doing. And quite often, in this economy, it might seem as though you spend more time trying to raise funds, than you do on your actual social mission.

In his wonderful new book, The Non-Profit Narrative (which I?ll be reviewing very soon), Dan Portnoy notes:

Non-profit organizations weren?t started to consistently ask for money and talk about the troubles of keeping the lights on. Remember, they were started to change the world.

And yet, if you work at a non-profit organization, you may feel like you always have your hand out. And that might actually be the perception that many have of your organization. But what if you just took the time to maximize your fundraising efforts, so that you could generate more money with each ask, and therefore, not have to ask so often? Wouldn?t that be a wonderful thing? It?s no fun asking for money.

Unless you?re creative. And have the right tools at your disposal.

Enter Razoo Giving, an online social giving platform. My friend Ifdy Perez, a champion of social good, and the Community Manager at Razoo, which I believe is the most robust social giving platform[, sent me a DM on Twitter yesterday telling me about their new project: Twive and Receive. When I checked it out, I knew I not only had to write this post about it, but I also signed up. But more on that later?

Twive and Receive is a 24-hour online giving competition scheduled for June 14th. Folks like you and me will represent our communities on Twitter and other social platforms to raise money for our favorite local non-profit, while at the same time competing to help them win a share of $30,000.

Razoo has hosted one-day events like this before, but usually on a more hyper-local or regional level. For instance, ?Give to the Max Day? back in November in Washington, D.C. raised more than $2-million in just one day for over a thousand local non-profits. Pretty impressive, eh?

Here?s what I like about this particular campaign:

1) It?s social ? At the heart of this campaign is Twitter, but other platforms like Facebook, Pinterest, and even blogging will be used to raise awareness during this 24-hour period. While one or two people in each community will be heading up the effort, they?ll be using their online social influence to get others on board.

2) It fosters community ? The large majority of the campaign will be done online, but there can be offline elements as well. And you and other locals can band together online, and even gather together offline, to rally the troops and raise awareness and funds for your cause. Nothing brings people together better than a shared cause that benefits your local community.

3) It?s short ? Many high profile fundraisers seem to go on forever. And ever. This is limited to 24-hours. In. Out. It?s Over.

4) It?s competitive ? Gamification is one of the buzzwords of the social realm these days. Foursquare and other platforms use gamification to get people involved and keep them involved. Who doesn?t love a little friendly competition? It?s you and your city against a host of other cities, seeing who can raise the most money. Community pride can be a powerful motivating factor.

5) It?s fun ? Or, it CAN be fun. It?s all how you execute. But when?s the last time you enjoyed fundraising? Usually we dread the task of asking others for money. Here, you can have some fun and raise money at the same time.

6) It fosters and rewards creativity ? I have no idea how this campaign will shake out, but I?m convinced of one thing: the cities that win will be the ones that exhibit the most creativity. If all you do is tweet about raising money, you can only go so far. But what if you get local businesses and media involved? Are there offline methods you can use to get people involved online? What about a tweetup for happy hour? There are so many things

7) It fosters relationships between the community and the non-profit ? If you do this right, your non-profit will be on board, and they?ll be promoting it as well. You?ll have the chance to connect local folks to the non-profit, who might never have engaged with them in the past. And it feels good to give something back to your community as an individual. At the same time, the non-profit benefits by rolling up their sleeves and working alongside community members.

8) Razoo will help you along the way ? This isn?t some promotion or contest where you?re told to do something, and then the organizing business disappears until the last day. Razoo will be putting together an online toolkit to help you plan your day, including widgets you can put on websites and Facebook pages. They?ll also be hosting weekly conference calls to bring you up to date on the campaign, and offer you tips.

9) Everyone wins ? You win by being a part of something good in your community, and you?ll get to meet and build relationships with others. Your non-profit wins, because even if they don?t ?win? the competition, they still get to keep the money that was raised for them. Plus they?ll most likely have access to new donors. And Razoo wins because they are the organizers of this, and many non-profits will be introduced to their great platform.

I?ve already signed up to be the point person for my community in Lancaster, and I?ve chosen the non-profit for which we?ll be fundraising: Water Street Ministries (client) which provides a variety of services to the homeless and needy in our area. They serve a lot of people and do great work.

What about you? Are you willing to step up and be the point person for your community? If there is no one representing your city, why not consider signing up now? And if your city is already spoken for, join the cause! Contact the person listed next to your city and offer to lend a hand, or a tweet.

What do you think are the hallmarks or elements of a successful online fundraising campaign? What has worked for you in the past? How can you incorporate these elements into your fundraising efforts all year long?

?

Related articles

Tagged as: Fundraising, Gamification, Local community, Nonprofit organization, Razoo, Twitter, Twive and Receive

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Networked Politics ? Blog Archive ? Golfing Health Equipment For ...

Golfing fitness equipment can be a variety of parts; but what definitely is golfing health and fitness gear?

You would be surprised to discover it is not expensive; and is not always in a fitness center or health club either.

Yes?there are golf ?machines? for stretching and power developing which have been well more than one thousand pounds, but are certainly not needed.

When you assume with the golfing swing, it really is a dynamic motion finished in area together with your whole body. So any type of coaching or golfing health gear need to be able to accommodate this.

Ive designed all my programs, dvds and textbooks to use the below gear for one purpose. Convenience. Which will conserve you time to complete that which you actually choose to do. Play golf!

To begin with, a pair of hand weights (dumbbells) are inexpensive, transportable and may be utilised for dozens of golf-specific exercises. They do not need to be hefty or cumbersome. Youd be surprised what a 5 to 8 pound pair of dumbbells can accomplish with all the proper golf exercises.

Next around the checklist of golf fitness equipment is tubing. You might have observed it in articles, on the tv or in a catalog. Physical exercise tubing is really portable, pretty inexpensive and also can be utilized to mimic a lot of phases with the golfing swing, but with resistance.

I personally use physical exercise tubing in all of my plans, with all of my private clients and in my own golf workout routines. It could offer you one heck of the workout should you have the right resistance. These bands come in different tensions from light to extra heavy.

A further piece of golfing health equipment can be a balance ball. Its the massive beach ball looking factor that is definitely employed in workplaces to sit on, in many physical exercise classes, at most well being clubs and all of the physical treatment clinics.

Why? Since once more it really is portable, inexpensive and really flexible. Doing golfing workouts around the ball incorporate core stabilization, balance and balance. All vital variables in a mechanically sound golf swing.

And the last bit of golf health and fitness gear is a weighted medicine ball will be the . You might keep in mind them from several many years ago because the massive leather balls that the old physical fitness fanatics utilized to improve power and energy.

Well now theyre again! They may be utilised in every single sport-specific energy plan in existence. You could do a lot of sport-like actions with them and they weigh as significantly as 20 pounds, so you can envision the benefit from the power standpoint.

Ive a few my bread-and-butter workout routines I take advantage of in all my programs that incorporate the weighted medication ball and they may be pretty successful.

So there you have it! Three or four items of affordable and transportable golfing fitness equipment.

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This entry was posted on Friday, March 30th, 2012 at 8:15 pm and is filed under Uncategorized. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

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Employing An SEO Consultant | Services

In this age of contemporary contact, the web has grown a regular marketing medium designed for business owners. Regardless of whether a business is consideredtraditional or offline, the possibility intended for reaching new potential consumers throughout online means really should not be ignored. One of the ways through that an offline company can start off utilizing the ability of the internet is by engaging with an Search engine optimisation consultant.

Why Employ An Website Positioning Consultant?

1. Seo is an efficient way of giving exposure to a business web page to achieve an audience of probably millions of people. Prior to now, local organizations like restaurants and coffee shops promoted their products and services through sheer word of mouth. Today, a great percent of consumers drop by the web before they decide to purchase or before they pick a store from which to purchase. Getting a lot of these consumers be able to wholly multiply the income of a business.

2. Search engines consultants are able do all of the full of twists and turns responsibilities related to search engine optimization optimization. This is essential since doing study all of the techniques involved in Search engine optimization may take a small business owner several weeks and time of training. But with all the services of an Web optimization consultant, a small business owner can begin implementing search engine marketing strategies without the need of to in person go with the difficult job of learning everything from scratch.

3. Search results marketing gives you an opportunity for businesses to generate a rising following online. Local stores can now exceed the boundaries of their local area and revel in the privilege of getting tourists and folks from far-away places. The possibility of striking a joint venture with other business owners in an industry turns into likely because of the broad exposure obtained from online advertising optimization. A reliable Search engines marketing consultant can make this stuff happen for the business.

How To Get Ongoing

Before launching an online campaign and getting into online search engine marketing and advertising, it is advisable for a business owner to at least learn the basics of SEO. Therefore, he contain background knowledge of how SEO works, how to find its goals, and what it does for any business.

Without #having a# basic knowledge of seo marketing, a small business owner can not fully be grateful for the services of an Web optimization marketing consultant. Being well-informed about basic Search engine optimization will even help a company owner avoid scammers, rip-offs, and fake gurus who try to post as internet marketing consultants, when in reality, they?re just only looking for a quick buck without delivering any genuine outcome.

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daily sun | health & fitness | Washing hands has the potential to save ...

?Countless people in Bangladesh suffer unnecessarily from diarrhoea, dysentery and other stomach ailments as a result of ignorance and improper hygiene practices.

It is common knowledge in most parts of the world ? even in many poor countries ? that hand hygiene is of vital importance for the overall wellbeing of society and washing our hands is one of the most important steps we can take to avoid getting sick and spreading germs to others.

Washing our hands regularly with soap and clean running water can help stop the spread of germs and prevent illnesses like influenza, bronchitis, swine flu, diphtheria, measles, conjunctivitis, leprosy and chicken pox among many more, not to mention acne and other skin problems and diseases and has the potential to save more lives than any single vaccine or medical intervention and billions of dollars in medical expenses and medicines.

There are more than 3.5 million children under the age of five who die every year from diarrhoeal disease and pneumonia ? and many are preventable.

Although many people clean their hands with water, medical science tells us that on its own it is insufficient to prevent diseases either in their contraction or spreading, and that soap must be used.

The government of Bangladesh is preparing to launch a hygiene campaign across the country soon and we should all put our (clean) hands together and applaud its effort. The aim of the campaign will be to promote awareness among the people increasingly at risk of communicable diseases and advice washing hands before taking food.

In view of that and in consideration of the money already spent by the government and NGOs on ?Wash your Hands? public awareness campaigns over the years, I was shocked to find no soap or any means to dry my hands in the two rest rooms I visited at a diagnostic centre recently.

While ?Cleanliness is next to Godliness?, in more ways than one, it also prevents spreading a host of diseases. People take diseases to hospitals to be cured of them, not to shop for more. Then there are the restaurant kitchens ?or anywhere that food is sold to the public ?those also need special attention.

To convey the message of hygiene to the populace effectively, it would help enormously if hospitals, diagnostic centres, doctors and such like set the example in their own facilities, and not merely hang posters on their premises.

No doubt the government needs to inspect these premises more regularly, but there is only so much a small team can do. Basic commonsense should kick-in and prevail.

It?s time the standards of hygiene in Bangladesh were raised with every individual playing their part; preventable diseases prevented, and vile and disgusting bad habits like picking one?s nose or spitting on the pavement are deemed unacceptable anti-social behaviour, and stopped. The carrying and proper use of a handkerchief seems to be a remote thought among the general populace, but one is never too young or too old to learn proper hygiene practices.

Hand washing is easy. It requires little or no effort and is one of the most effective ways to prevent the spread of many types of infection and illness in the home, workplace, child-care facilities and hospitals.

While TV, magazine and newspaper adverts and posters are productive and play an essential and supporting role in conveying the vital messages and importance of hand hygiene to the masses, TV soap operas reign supreme, but in Bangladesh they are totally under-utilised.

The writer is a former newspaper publisher, editor and an award winning writer.

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Source: http://www.daily-sun.com/?view=details&type=daily_sun_news&pub_no=100&cat_id=3&menu_id=23&news_type_id=1&news_id=19734&archiev=yes&arch_date=30-03-2012

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Questions, answers about neighborhood shooting

SANFORD, Fla. (AP) ? The fatal shooting of a black teenager by a neighborhood watch captain who then went free has led to nationwide protests calling for the shooter's arrest. Trayvon Martin's parents, civil rights leaders and social media users alike are portraying the case as racially motivated, saying the shooter would have been arrested had he been black and the victim white.

The shooter, George Zimmerman, told police he acted in self-defense after Martin pursued and attacked him.

The case has raised a multitude of questions, some of which remain unanswered. Here are some of the facts of the case that have been established.

Q: What happened?

A: Trayvon Martin, 17, was shot and killed Feb. 26 during a confrontation with George Zimmerman, a 28-year-old neighborhood watch volunteer in a gated community of townhomes in Sanford, Fla. Zimmerman was patrolling the neighborhood when he spotted Martin, who was unarmed and walking to the home of his father's fiancee. He was returning from a trip to the convenience store with an iced tea and a bag of Skittles. It was raining, and Martin was walking with the hood of his sweat shirt pulled over his head. He talked to his girlfriend on a cellphone moments before the shooting.

Q: What is George Zimmerman's side of the story?

A: George Zimmerman has not spoken publically. He told police that he spotted Martin as he was patrolling his neighborhood and called 911 to report a suspicious person.

"This guy looks like he is up to no good. He is on drugs or something," Zimmerman told the dispatcher from his sport utility vehicle. He added that the teen had his hand in his waistband and was walking around looking at homes.

"These a-------. They always get away," Zimmerman said on a 911 call.

A neighbor said there had been several break-ins in the community in the past year, including one in which burglars took a TV and laptops.

A dispatcher told Zimmerman to stay in his sport utility vehicle and that an officer would be there momentarily. Zimmerman, for unknown reasons, got out.

Zimmerman told police he lost sight of the teenager and was walking back to his sport utility vehicle when he was attacked. He and Martin fought, according to witnesses. Zimmerman said Martin punched him in the nose and slammed his head against the ground.

At some point, Zimmerman pulled a gun and shot Martin. Zimmerman told police he acted in self-defense.

Police said Zimmerman was bleeding from his nose and the back of his head. He told police he had yelled out for help before he shot Martin.

He has not been arrested or charged.

Q: What is Martin's family's side of the story?

A: Much of Martin's side of the story comes from a cellphone conversation he had with his girlfriend moments before the shooting. She was interviewed by the family's attorney, Benjamin Crump, and he released much of what she said to the news media. She has not been identified.

In the interview, she said Trayvon Martin told her that he was being followed.

"She says: 'Run.' He says, 'I'm not going to run, I'm just going to walk fast,'" Crump said, quoting the girl.

The girl later heard Martin say, "Why are you following me?" Another man asked, "What are you doing around here?" Crump said.

After Martin encountered Zimmerman, the girl thinks she heard a scuffle "because his voice changes like something interrupted his speech," Crump said. The phone call ended before the girl heard any gunshots.

Martin's parents said their son made the pleas for help that witnesses heard.

Q: What did Zimmerman say on the 911 call?

A: On one of Zimmerman's calls to police that night, he muttered something under his breath that some listeners say sounds like a racial slur. Others, however, say the recording is not clear enough to determine what Zimmerman actually said.

Q: Who is investigating?

A: Sanford Police have turned over their evidence to local prosecutors for them to decide whether Zimmerman should be charged. The Justice Department and FBI have opened a civil rights investigation. Several members of Congress have called for the case to be investigated as a hate crime.

Q: Why didn't police arrest Zimmerman?

A: Zimmerman claims self-defense, and Florida is among 21 states with a "stand your ground law," which gives people wide latitude to use deadly force rather than retreat during a fight. The Florida law lets police on the scene decide whether they believe the self-defense claim. In many cases, the officers make an arrest and leave it to the courts to work out whether the deadly force is justified. In this case, however, police have said they are confident they did the right thing by not charging Zimmerman.

Q: What could the charges be?

A: If Zimmerman is charged, he could most likely face second-degree murder or manslaughter charges at the state level. If convicted of the second-degree murder charge, he could potentially face up to life in prison because a gun was used.

Federal prosecutors could charge Zimmerman with a hate crime if they think there is evidence he was motivated by racial bias. That charge can carry the death penalty in the most severe instances, or up to life in prison.

Federal prosecutors could also accuse Zimmerman of using his official authority to violate Martin's rights ? known as a "color of law" case ? but they would have to prove that Zimmerman was acting in some official capacity, similar to a police officer or government official. Zimmerman was a volunteer neighborhood watchman.

Q: When will prosecutors decide whether Zimmerman is charged?

A: It's unclear. A spokeswoman for the special prosecutor who has taken over the local investigation said it could be weeks before they decide. Special prosecutor Angela Corey has three options: She could present the case to a grand jury, which would decide whether Zimmerman should face charges; she could charge him without the grand jury's review; or she could decide not to bring the case before the panel and not charge him.

Norm Wolfinger, the prosecutor who recused himself from the case, had planned to convene a grand jury to review the case April 10.

It is also unclear when the Justice Department will make its decision.

Q: What is George Zimmerman's racial and ethnic background?

A: Zimmerman's father is white, and his mother is Hispanic.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2012-03-28-US-Neighborhood-Watch-QandA/id-b979290d727645bba7d6ac72c8d7ae00

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Solve Problems For The Do it Yourselfer With These Quick Tips

If you are not a professional home improvement worker, there is always information that will help you complete your jobs. If you lack some knowledge, the improvement could turn into a catastrophe. This article will provide you with information that will help you defeat what used to be challenging home improvement ventures.

If you?re planning home improvements to create an income property, don?t skimp on drywall. It can help both sound proof your rental unit as well as create a fire barrier between floors. Drywall the ceiling to include protection on all sides, both dampening the sound of people walking above and noise from below.

Securely screw your bookcases and other tall furniture to your walls! Not only is this step an important safety precaution in fortifying your home for a potential earthquake, doing so might actually prevent a child or elderly person from knocking these tall items over on themselves and sustaining serious injuries.

If you heat with a wood stove, smoke will cause your walls to become dingy and you will need to repaint more often than if you heat with a furnace. When you do repaint, it is worthwhile to wipe the walls and ceiling down with a damp sponge to remove as much soot as possible before putting on a new coat of paint.

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A great home improvement tip is to invest in motion detectors for your outdoor lighting. Motion detectors will turn lights on only when movement is detected, and will swiftly shut off when there is none. Having motion detectors on your outdoor lights will save you a lot of energy and money.

When one is wondering what they can do to their house to improve upon it building a hidden room or disguising an existing door to hide a room can be a great project. This home improvement job can not only safely hide whatever valuables one wishes but provide a creative outlet.

If you are planning a home improvement project, plan the project before you worry about the budget. Go ahead and price various options, but don?t let yourself think about what you can actually afford until you?ve picked a style. This way, you can focus on what works for you and your house, instead of focusing on the money. Most plans can be adapted to a much lower budget.

As you begin your home improvement project, take care not to demolish too quickly. You should always check the structure behind a wall or a cabinet before you tear it down. If there are electrical components involved, you may have to spend a lot of money to fix the mess that you made.

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Cover all of your home?s surfaces to keep them safe from harm when do home improvements. When painting then use a tarp to cover the floor, if you?re demolishing walls or cabinets then cover any finished surface so that there is no scratching or other damage occurs. Also cover any walls that you aren?t going to repaint.

A great way to add a new look to any room of the home is to tile or re-tile the floors. Tile flooring comes in thousands of colors and designs and is relatively inexpensive when you do it yourself. For as little as $1 a square foot, new tile floors can be an excellent home improvement project.

Making your ceiling appear higher than it is can be accomplished using two very simple tips. You can paint stripes on your wall or add a tall floor lamp. Adding this to your rooms will create an optical illusion for your eye to follow. Your eyes will be focused on following the lines which will make your ceilings appear higher than they actually are.

Are you looking for an inexpensive way to add a touch of class to your home? One great way to add a small spice of elegance to your home setup is to replace your door bell with a new one. If you do this, any one who visits will instantly get a different sense of your home.

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Focus on interior lighting for your next home improvement project. If you change out your old light bulbs with Compact Fluorescent Lights, you will save energy and money. These bulbs also last longer than traditional lighting choices. This is a very simple project that will have remarkable results on the amount of money you save in energy bills.

When contractors are making repairs in your home it is important for you to remain present the whole time. A lot of contracting jobs can be very difficult to redo once they are already done. If you are present while a job is being done, you do not have to worry about the job being done improperly by the contractors.

If the closets in your home are not very large, it would be a good idea for you to use organizers if you are trying to sell your home. Doing so will make the closets in your home seem much bigger and a lot of buyers will bypass homes that seem to have too little space.

If you don?t have time to take care of your lawn, or don?t want to pay to have it professionally maintained, consider putting in a low maintenance yard. This usually consists of rock beds with hearty plants that need little water. This option will cut down on maintenance time and water costs.

When you are painting your home do not forget to put a coat of primer before you put the coat or coats of paint that you intend to put. Putting primer on the area first will create a solid bond and it will help the paint adhere to the surface.

As was said earlier in the article, home improvement can turn into a great catastrophe if you do not have the knowledge necessary for some of the jobs. Now that you have the knowledge, apply it to your specific needs of home improvement. Don?t let setbacks get you down, trudge through and the practice will make you better.

Source: http://affiliatecashclone.org/uncategorized/solve-problems-for-the-do-it-yourselfer-with-these-quick-tips

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Improve Home With Secured Loans, Save Pocket From Getting Hole

Are you thinking of helping a home melioration loan? But don?t want to expend additional money as that? Inwards that case, secured home improvement loans can be paid for you.? Every bit the name refers, secured home improvement loans are secured on a security. Indeed, to avail a secured home improvement loan, you?ll have to salute close to dimension as security measures. It could be any valuable objects, such as home, automobile, saving accounts etc. The amount, offered with these loans is graded from ? 5,000 to ? 75,000 and its refund period of time diverges from 5-25 years. But, unremarkably the determination of refund period hinges on the loan quantity, income and the value of equity in the property.

You may think about how a bonded home betterment loan can save your money? The reply is really simple-minded. Since these loans are secured on borrowers? property, so the risk of adding profit gets lower. And for that, lenders don?t hesitate to allow secured home advance loans at lower rate of interest. Hence, you?ll be able to improve your base and at the same time save your pocket from spending additional hard cash.

However, respective purposes-major or minor can be accomplished with secured home advance loans. Some of them are as follows:

? Adding new rooms and expands home
? Landscaping garden
? Home redevelopment, repair
? Refurnishing family
? Making garage and many more.

Secured home improvement loans are as well usable for the people with bad credit history. People like CCJ?s, IVA?s, bankruptcy, arrears, and default have bad credit score. Broadly, availing whatsoever sort of loan is ruggeder for them. But, they can well employ for secured home advance loans. As these loans are gettable against corroborative, thus lenders allow these loans to all kinds of borrowers. Only one has to know what his credit score is.

At the same time, you should keep in your head what would cost the effect, if you cannot repay the amount. Don?t forget, you?re exploitation your material possession for acquiring these loans. Hence, in case you can?t refund the amount then your collateral will be clutched by the lender. So, always ask for the amount that you?re subject to compensate.? And do break your financial capacity before going for a secured home advance loan. Many of us don?t favor to spend extra money for home improvement purposes. Secured home advance loans are especially tailor-maked for them. These loans are useable against substantiative. And as the presence of collateral covers the jeopardy of bringing profit, thus a borrower can well acquire these loans at get down rate of interest.

Source: http://www.mightymikerichards.com/2012/03/28/improve-home-with-secured-loans-save-pocket-from-getting-hole/

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Oil output in 2011 falls to lowest since 1970s

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Source: http://news.yahoo.com/oil-output-2011-falls-lowest-since-1970s-105508228.html

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Capitec FY profit jumps on unsecured credit boom

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Short term bridging finance for private or commercial usage | Article ...

Tuesday, March 27th, 2012. Author : SonzaOlinsky658. 48 views.

For many years people have been choosing bridging loans as a short term finance option when cash is required promptly but only for a short time frame. This has been as a rule for bridging a hole in capital during the purchasing of a new residence and the sale of an existing home when completion on the sale and purchase are not able to be arranged for the very same day. A new bridging loan will be able to offer you the money necessary to complete the purchase before the sale of the existing property has completed. Afterwards, when the selling of the old residence has finished the bridging loan will be paid back.

For business, if money is needed for a short time period, a commercial bridging loan can often be the most suitable option given that set up costs and early repayment charges can be more affordable than long term lending alternative. When taking out commercial bridging finance it is important to take into consideration that commercial bridging finance should only be employed as a short-term manner of finance. The reason is, they often have a high rate of regular monthly interest and are as a result a costly long term option. Plus the commercial bridging loan companies will want their funds back at the close of the agreed term, and being unable to do so will incur more charges and potentially end up in the loss of the property.

Having said that bridging loans can be used for lots of reasons and ever since the credit crunch there?s been an increase in the number of bridging finance loans being applied for when other kinds of lending has substantially reduced.

For renovating and extending, home and property finance can be raised via using bridging finance. On the other hand a more suitable and less expensive alternative tends to be development loans, which may also be kept for refurbishment and extension projects. Generally development loans are used for new build work, which could be constructing a new single property or intended for large scale housing and business developments. The huge benefits of development loans are that it can be precisely designed to supply the cash needed for property development and is often released in phases as it is required. Interest only and roll up options are readily available and development finance solutions typically have borrowing periods of 36 months.

Bridging loans can be organized in a short time because they?ve got adaptable lending criteria. The bridging loan providers take into consideration the valuation of the property or properties that are being given as security, as well as the method by which their loan will be paid back. This adaptive lending criteria means that less processing needs to be done which helps you to save time. It is also this flexibility that has to a certain extent led to the increased financial lending needed for bridging finance, because more people decide on bridging loans as an alternative solution to the banks who?ve got much more limitations.

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Source: http://genseas.com/843/short-term-bridging-finance-for-private-or-commercial-usage.html

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African leaders send 'strong signal' to Mali coup

Broken glass litters the floor at the looted presidential palace, days after mutinous soldiers claimed power in a coup, in Bamako, Mali Monday, March 26, 2012. Mali's coup leaders said Monday they are partially reopening the West African nation's main airport even as demonstrators marched in the capital to protest last week's putsch and demand a return to constitutional order. (AP Photo/Aliou Sissoko)

Broken glass litters the floor at the looted presidential palace, days after mutinous soldiers claimed power in a coup, in Bamako, Mali Monday, March 26, 2012. Mali's coup leaders said Monday they are partially reopening the West African nation's main airport even as demonstrators marched in the capital to protest last week's putsch and demand a return to constitutional order. (AP Photo/Aliou Sissoko)

People chant in protest against the recent military coup, in Bamako, Mali Monday, March 26, 2012. About a thousand demonstrator gathered Monday in Mali's capital to demand a return to constitutional order days after mutinous soldiers claimed power in a coup.(AP Photo/Harouna Traore)

Soldiers stand alongside youths during a demonstration organized in support of a recent military coup, in Bamako, Mali Monday, March 26, 2012. Mali's coup leaders said Monday they are partially reopening the West African nation's main airport even as demonstrators marched in the capital to protest last week's putsch and demand a return to constitutional order. (AP Photo/Aliou Sissoko)

A soldier walks in front of the presidential palace days after mutinous soldiers claimed power in a coup, in Bamako, Mali, Monday, March 26, 2012. The coup likely disrupts Mali's plans to hold an election in April. Malian President Amadou Toumani Toure had planned to step down after this term, but he has not been heard from since the coup.(AP Photo/Aliou Sissoko)

Soldiers walk through the looted presidential palace days after mutinous soldiers claimed power in a coup, in Bamako, Mali Monday, March 26, 2012. The coup likely disrupts Mali's plans to hold an election in April. Malian President Amadou Toumani Toure had planned to step down after this term, but he has not been heard from since the coup. (AP Photo/Aliou Sissoko)

BAMAKO, Mali (AP) ? The heads of state of the countries neighboring Mali said Tuesday they want to send a "strong signal" to the mutinous soldiers who seized power last week, overturning over 20 years of democracy in this African nation.

Already, the United States, the European Union and France have cut off aid. Additional sanctions from the region would be a further blow to the junta.

The countries which control the common currency shared by Mali are all represented in another regional grouping that met Tuesday, the Economic Community for West African States, which could decide to cut off Mali's supply of cash.

Also if nearby Ivory Coast shut its border, Mali would quickly run out of gasoline.

In Abidjan, the capital of neighboring Ivory Coast, the chair of the 15-nation Economic Community of West African States, Ivorian President Alassane Ouattara, called on his peers to send a message to the mutinous soldiers who charged through the capital, looting the presidential palace and sending into hiding the nation's democratically elected president.

"Our position should consist of a number of actions that we carry out as quickly as possible. This position should be a strong signal, given from all of Africa and from the entire world," Ouattara said.

The pending decision by the body comes after France suspended all government cooperation with Mali, except for humanitarian aid. On Monday, State Department spokeswoman Victoria Nuland in Washington announced that the U.S. was cutting off roughly half the $140 million in aid it gives Mali each year. She said military and other assistance would only resume when the African country's democratic government is restored.

The head of the regional body's commission, Kadre Desire Ouedraogo, said that the coup is a threat to the entire region.

"The security and political situation (in Mali) ... dangerously threatens not only the peace and security in Mali but also the peace, stability and development of all the member countries of ECOWAS," he said.

Outside of the conference center in Abidjan where the meeting was in process, hundreds of demonstrators from Mali called on the delegation to take action.

"We do not recognize the soldiers as our leaders. We do not recognize them today, tomorrow or next year," shouted Amadou Maga, a Malian who lives in Abidjan.

Mohammed Decko, the head of a Malian association, wearing a shirt with the image of ousted President Amadou Toumani Toure, said: "We want the soldiers back in their barracks. ... This coup is putting Mali back 20 years."

It was 21 years ago in 1991 that Toure ousted the country's military leader in a coup d'etat that came after months of protests. The former general, who once headed the country's parachute commandos, was dubbed "The Soldier of Democracy," after he handed power to civilians a year later, then retreated from public life.

He remerged to win the 2002 and 2007 elections, and was due to retire at the end of his term next month.

Toure, whose whereabouts since the coup remain unknown, began losing support when an al-Qaida-linked terror cell implanted itself in northern Mali starting in 2003. He is accused of turning a blind eye, while diplomatic cables suggest the government entered into a pact of nonaggression with the terrorists for fear they would strike the capital in revenge.

It was in January that Toure's popularity hit a new low, after a Tuareg uprising began in the country's north. Again Toure did not respond forcefully, and when he finally sent troops to fight the insurgents, they were ill-equipped. Some did not even have enough food.

The group of soldiers that led the attack last week said that it was Toure's failure and incompetence in dealing with the two-month-old insurgency that pushed them to seize power.

The spokesman for the French Foreign Ministry said on Tuesday confirmed that France's ambassador in Bamako had spoken by telephone with the Malian leader. The ministry spokesman, Bernard Valero, said that during the telephone conversation, Amadou Toumani Toure "gave reassurances about himself and those close to him."

Valero refused to say where Toure was when he spoke with Ambassador Christian Rouyer.

Also on Tuesday, the acting head of the European Union delegation in Mali met Capt. Amadou Haya Sanogo, the coup leader, to press for a return to constitutional rule.

"I saw Capt. Sanogo this morning and told him that we expect him to find a solution to the current situation that keeps as closely as possible to the constitution," said Bertrand Soret.

___

Burke contributed from Abidjan, Ivory Coast. Associated Press writer Martin Vogl contributed from Bamako; writer Elaine Ganley contributed from Paris.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2012-03-27-AF-Mali-Coup/id-2834677f13464c409aec3cd96a320e71

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First Major Climate Regs from Obama EPA Sure to Heat Up Political Debate

[ [ [['Afghan security forces and police killed three', 3]], 'http://yhoo.it/H9BcJE', '[Related: Bales\' wife on his alleged shooting: \'He would not do that\']', ' ', '630', ' ', ' ', ], [ [['looking for fireworks between the opposing camps', 16]], 'http://yhoo.it/GSvEsj', '[RELATED:\?It?s going to be a circus\?: Activists begin protests outside Supreme Court]', ' ', '630', ' ', ' ', ], [ [['entirely respectable way to put off the searing constitutional controversy', 8]], 'http://yhoo.it/GE6jSh', '[RELATED: Obama\?s health care law passed 2 years ago, but where are we now\?]', ' ', '630', ' ', ' ', ], [ [['Witnesses said the gunman pulled up on a black scooter', 7]], 'http://yhoo.it/GzwOIW', '[Related: New York police tighten security at Jewish sites]', ' ', '630', ' ', ' ', ], [ [['test Zimmerman for alcohol or drugs', 11]], 'http://yhoo.it/Gzn6VF', '[Related: White House says Trayvon Martin is local issue]', ' ', '630', ' ', ' ', ], [ [['entirely respectable way to put off the searing constitutional controversy', 12]], 'http://news.yahoo.com/photos/tea-party-activists-defy-rain-to-rip-obama-health-care-law-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/4/31/431f2f4f7ed388d5bc5557b0a76267fa.jpeg', '450', ' ', 'Reuters/Jonathan Ernst', ], [ [['associated with such a small earthquake', 4]], 'http://yhoo.it/GTco9z', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/0/b4/0b493c1a47b6e3f97f8f48a2b251d7d4.jpeg', '630', ' ', 'AP Photo/Carrie Antlfinger', ], [ [['Fox News host Geraldo Rivera sparked outrage', 3]], 'http://yhoo.it/GKMVTk', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/2/7c/27c7367bc512d233ae1790b320a5e92c.jpeg', '630', ' ', 'AP Photo/John Minchillo', ], [ [['The charges signed against Bales include', 1]], 'http://yhoo.it/wZT5zV', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/7/a0/7a07c51b2aa0f39b1a23355046d13870.jpeg', '512', ' ', 'AP Photo/DVIDS\, Spc\. Ryan Hallock\, File', ], [ [['George Zimmerman, if I had a son', 6]], 'http://news.yahoo.com/photos/thousands-protest-fla-teen-death-1332387124-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/os/152/2012/03/22/d761a49f3fcc99080a0f6a70670053cd-jpg_150905.jpg', '500', ' ', 'AP Photo/John Minchillo', ], [ [['Mohamed Merah', 10], ['prosecutor Francois Molins', 5]], 'http://news.yahoo.com/photos/four-dead-in-french-jewish-school-shooting-1332173151-slideshow', 'Click image to see more photos', 'http://l.yimg.com/cv/ip/ap/default/120321/2012_03_21t151508z_425380421_gm1e83l1sqs01_rtrmadp_3_france_shootings_raid.jpg', '630', ' ', 'REUTERS/Jean-Paul Pelissier', ], [ [['Shortly after he wrapped up his victory remarks', 2]], 'http://news.yahoo.com/photos/4-straight-romney-wins-washington-gop-caucus-1330835515-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/3/e9/3e9b0082c3c3111dcc19e3527ae94cc7.jpeg', '500', ' ', 'AP Photo/Steven Senne', ], [ [['best understands the problems of average Americans', 2]], 'http://news.yahoo.com/photos/4-straight-romney-wins-washington-gop-caucus-1330835515-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/3/e9/3e9b0082c3c3111dcc19e3527ae94cc7.jpeg', '500', ' ', 'AP Photo/Steven Senne', ], [ [['Group for Historic Aircraft Recovery', 7]], 'http://yhoo.it/GB2RVy', 'Click image to see more photos', 'http://l.yimg.com/os/152/2012/03/20/photo-1332257995646-4-0-jpg_171722.jpg', '630', ' ', 'AFP', ], [ [['xxxxxxxxxxxx', 11]], 'http://news.yahoo.com/photos/russian-grannies-win-bid-to-sing-at-eurovision-1331223625-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/1/56/156d92f2760dcd3e75bcd649a8b85fcf.jpeg', '500', ' ', 'AP', ] ]

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Source: http://news.yahoo.com/first-major-climate-regs-obama-epa-sure-heat-230611926.html

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Transparency AZ ? Blog Archive ? Research and Markets: The ...

DUBLIN?(BUSINESS WIRE)?Research and Markets (http://www.researchandmarkets.com/research/4ddfa0/the_outlook_for_ph)
has announced the addition of the The
Outlook for Pharmaceuticals in Latin America report to their
offering.

The
Outlook for Pharmaceuticals in Latin America

The region needs to increase drug access, in spite of intensifying
cost-containment measures. Therefore, attractive opportunities for
(bio)pharmaceutical producers exist in Latin America. Brazil has the
largest pharmaceutical market. Strong economic performance will fuel
pharmacy sales growth in the forecast period. Mexico is the second
leading market. Recent regulatory developments will create further
market opportunities in the country, particularly for generic producers
in both the private and public sectors. In Argentina, the pharmaceutical
industry is expected to perform well in the coming years, with strong
growth in production, sales, exports and employment. Pharmaceutical
companies, however, are encouraged to act in smaller Latin American
markets to maximise their full regional sales potential.

Generics consumption in Latin America is low, with the exception of
Brazil which has a dynamic bioequivalent generic sector. In the last two
years, foreign producers have penetrated what, until then, had been
considered a tough sector due to local protectionism and low prices.

These Reports Analyse the Issues:

The
Outlook for Pharmaceuticals in Latin America is a unique collection
of management reports from Espicom Business Intelligence. Each report
provides individual and highly-detailed analysis of each market, looking
at the key regulatory, political, economic and corporate developments in
the wider context of market structure, service and access. The reports
are available individually, or as a discounted collection, and prices
include 4 completely updated reports sent quarterly, together with a
comprehensive statistical appendix. There are over 60 markets covered in
the worldwide series.

Key Topics Covered:

MARKET OUTLOOK

• Current market size
• Unique 5-Year market projections to 2012
• Market outlook
• Comment amp; rating, covering 8 key areas such as use of generic drugs,
  intellectual property, pricing and the health systems
• Market structure
• Statistical data on imports and exports
• Market developments, covering recent and impending developments with
  respect to key issues such as regulation, health facilities, funding
  and government policy
• Key national data projections

BACKGROUND DATA Population data, including growth trends and age
structure Demographic indicators detailing principal causes of death and
morbidity

HEALTHCARE SYSTEM

• Organisation amp; administration
• Health expenditure
• Hospital services
• Outpatient care
• Medical personnel

ACCESSING THE PHARMA MARKET

• Regulatory environment
• Distribution and trade fair information
• Domestic production
• Company information

CONTACT DETAILS

• For healthcare organisations and trade associations

For more information visit http://www.researchandmarkets.com/research/4ddfa0/the_outlook_for_ph

Source: Espicom Business Intelligence Ltd

Tags: Pharmaceutical

This entry was posted on Saturday, March 24th, 2012 at 4:31 am and is filed under Pharmaceutical. You can follow any responses to this entry through the RSS 2.0 feed. You can skip to the end and leave a response. Pinging is currently not allowed.

Source: http://www.transparency-az.org/?p=2717

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Video: Big Government: Swimming in Regulations?

Is new legislation requiring all public pools be made accessible to people with disabilities a case of government overreach? Marlene Colucci, American Hotel & Lodging Association, weighs in.

Related Links:

Business & financial news headlines from msnbc.com

Top of page

Source: http://video.msnbc.msn.com/cnbc/46840840/

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Rdio inks deal to license UK music, but doesn't offer up a visit date

One of those other music subscription services has inched towards British shores, announcing a licensing deal with PRS for Music, a not-for-profit organization representing around 85,000 songwriters and music publishers. The San Francisco-made music service has already launched across Europe, the US and Brazil, but still remains out of reach for Brits. While it's far from a confirmation of intent, the service might have plans to jump across to the land of royalty, Rich Tea biscuits and RPattz pretty soon.

Rdio inks deal to license UK music, but doesn't offer up a visit date originally appeared on Engadget on Fri, 23 Mar 2012 17:01:00 EDT. Please see our terms for use of feeds.

Permalink The Next Web  |  PRS for Music  | Email this | Comments

Source: http://www.engadget.com/2012/03/23/rdio-makes-deal-to-license-uk-music/

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Your Questions About Household Finance Personal Loans ...

I have written about the great imbalances of the US economy. Yet in all of my previous articles on the subject I have been unable to pinpoint when these imbalances will result in a bust.

One can never be completely sure of the future, of course, as one does not have full information about all factors shaping future events. Thus, it is possible that this prediction will go wrong if the US experiences some future positive shock, such as for example a significant decline in oil prices. Australia seemed poised for a recession in 2005 after its housing market busted, but this was averted as the prices of Australia?s commodity exports soared because of increased demand from China.

However, barring such an unexpected positive shock, it seems increasingly clear that we will see a US recession this year. The main reason for this is that the housing bubble that fueled the recovery of the last few years has essentially burst.

While mortgage debt continues to climb, albeit at a slower rate than before, and while housing prices have flattened rather than declined so far, other housing market indicators point to a housing recession. New home sales have reached multi-year lows and the inventory of unsold homes reached multi-year highs. Meanwhile, residential investment has declined significantly from its peak in late 2005. From 6.3% of GDP in the third quarter of 2005 to 5.3% in the fourth quarter of 2006. However, that is still above the 4% average of the 1980s and 1990s, and also significantly above the 3.3?3.4% level of the recessions of 1982 and 1991.[1]
So far, the economy has seemingly handled this fairly well and experienced what one might call a ?soft landing,? with growth being slow but still well above zero. Yet there are increasing signs that the worst is yet to come. Much of the housing bubble was financed by so-called subprime mortgages, mortgages to people with a low credit rating. Subprime mortgages were encouraged greatly by the government, with the Federal Reserve providing a cheap source of credit and with Bush encouraging it as part of the ?ownership society? that he envisioned. But after the Fed was forced to raise interest rates again, and as the introductory teaser offers expired, the cost of borrowing for the subprime borrowers increased sharply. And as subprime lenders almost by definition have weak personal finances, many have proven unable to handle that.
And so we now see how the default rate has increased sharply. This will mean two things: first, new subprime loans will decline sharply. So far this year, subprime loans have declined 37% from last year.[2]
This will not only mean lower demand for new houses, but also increased supply as an increasing number of subprime borrowers are forced to leave their homes. This fact, as well as the fact that construction spending is still at historically high levels means that it is likely to decline a lot more. And if this causes outright decline in housing prices, it will have a very adverse effect on consumer spending. The household savings rate was -1.2% in January and February.[3] Meanwhile, despite record high asset valuation, the household debt to asset ratio reached record levels last year, as did the mortgage debt to housing value which hit a record high of 47% in the fourth quarter of 2006.[4] Looking beyond the aggregate number, you can see that 27% of all homeowners have less than 20% equity (more than 80% mortgage debt) in their homes and 16% have less than 10% equity, making them highly vulnerable to a fall in prices.[5]
All of this implies that the current spending pattern is dependent upon a continued rapid increase in asset prices, from levels which are historically already extremely high. Household real estate values, which in my first article on the subject I reported to be 184% of disposable income, up from the historic range of 135% to 150%, had in the fourth quarter of 2006 risen to 213% of disposable income. Meaning that there is certainly a high risk of falling prices ? which, given the negative savings rate and the record high level of household debt, would imply that consumer spending will have to fall.
With residential investments likely to continue to fall and with consumer spending likely to be weak as well, the one thing that could save the US economy would be business investments. Business investments are still at a relatively moderate level, and in relation to corporate profits they are in fact historically low.
However, there are signs that corporate profits have peaked. The increase in profits over the latest year has been concentrated in the financial sector and in foreign subsidiaries of US firms. In contrast, profits at domestic non-financial industries (the sector that invests) have started to decline: in seasonally adjusted terms, they were 2.5% lower in the fourth quarter of 2006 than in the first quarter.[6] And with profits showing signs of declining, it is perhaps less important that they are still at high levels in absolute terms, because what matters for business leaders is not so much current profits, but expected future profits ? or to be more precise, if businesses think additional investments will generate even higher profits.

And with the pessimism generated by the decline in profits and the trouble in the housing market, an increasing number of business leaders seem to think that the days of high profits will be over soon. Business investments fell during the fourth quarter of 2006, and judging by the weak data for non-defense, non-aircraft durable goods orders,[7] the outlook for 2007 is not particularly good.

But what about the Federal Reserve? The Fed has always been ?the knight in shining armor? always saving the day by cutting interest rates ? and they will do so again. At least, that?s what many people on Wall Street seem to think. And of course, Ben Bernanke would certainly be willing to provide ?liquidity? ? with or without helicopters ? if he thought a recession was coming.

However, the fact that commodity prices continue to soar and the dollar is falling means that Bernanke will have limited scope to cut interest rates, particularly in the aggressive way that Greenspan did after the tech stock bubble burst. With businesses being reluctant to invest, and with subprime mortgages discredited, one has to wonder: where is Bernanke going to create the next bubble, the one that will mask the hangover from the housing bubble in the same way that the housing bubble masked the hangover from the tech stock bubble?

Source: http://personalfinancepro.inetwyoming.com/your-questions-about-household-finance-personal-loans

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