Thursday, January 31, 2013

Tongue Tied

Tongue Tied

onexone role play. Looking for male counterpart (demon); plot inside. Just want to get my feet in the water with this website. I find it easier with a onexone.

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This topic is an Out Of Character part of the roleplay, ?Tongue Tied?. Anything posted here will also show up there.

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Wednesday, January 23, 2013

Too discriminatory? Bill backs father-daughter dances

Lori Stratford / cranston.patch.com

Father-daughter dances like this one would be allowed -- once again -- if a proposed state law passes.

By Elizabeth Chuck, Staff Writer, NBC News

The age-old tradition of father-daughter dances may get an encore performance on school dance floors in Cranston, R.I.

A lawmaker is sponsoring a bill that she hopes will amend Rhode Island's language on gender discrimination laws just enough to allow gender-specific events, such as father-daughter dances or mother-son baseball games, to make a comeback after they were banned last fall.

?I don?t believe the intent of these events was ever to be overtly discriminatory, but we all have to live with the language of the law. This bill, if approved and enacted, should ensure that these events can continue without weakening our resolve to oppose discriminatory activities,? State Sen. Hanna Gallo, who represents Cranston, said in a statement.

The legislation would amend state law to permit schools "to provide activities for students of one sex provided that reasonably comparable activities are provided for students of the other sex," Gallo said a in a statement.

Cranston banned father-daughter dances last year,?saying they were a violation of state gender laws after the American Civil Liberties Union?sent a complaint on behalf of a single mom, who said her daughter couldn't attend because she didn't have a dad to accompany her.

?A dance for girls and a baseball game for boys, particularly in light of the stereotypes they embody, are not, we submit, ?reasonably comparable? activities. To the contrary; the stereotypes at their core undermine the goal of school anti-discrimination laws,? the ACLU?letter read.?

At least one Cranston elementary school has managed to avoid the controversy altogether: Hold family dances instead.

"The stereotypical family doesn't really exist anymore," Robyn Ladouceur, a parent of a sixth-grader at Garden City School in Cranston. "We know for a fact that we have families from lesbian couples that have children, and adopted children, and all different faiths and religions. Why don't we just have an event for whoever you'd like to bring?"

Ladouceur is the parent facilitator of the Family Engagement Network, a PTO-type organization.?She hopes her school will be a role model for others in Cranston, regardless of the outcome of Gallo's legislation.

"I'm trying to grasp what they're losing in calling a father-daughter dance 'a family dance,' what they're losing in calling a mother-son bowling 'family bowling,'" she said. "Anybody who has listened to both sides would say if the kids aren't losing out on anything and all we're doing is making it more acceptable for all people to come, and you just want your husband to take your daughter to the family dance, no one is going to look differently upon you."

The town of Cranston, located a few miles outside of Providence, is no stranger to controversy. In April 2011, a 15-year-old girl teamed up with the ACLU and filed a lawsuit over a prayer banner that hung in her high school's auditorium. Jessica Ahlquist, an atheist, received death threats for insisting that the banner, which had been up for decades, be removed; ultimately, she won the lawsuit.?

Source: http://usnews.nbcnews.com/_news/2013/01/23/16660589-banned-by-town-father-daughter-dances-may-make-comeback?lite

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One-in-five Brits to retire in debt in 2013 | Latest UK Debt News ...

Some 18 per cent of people retiring in the UK this year will do so with outstanding debt.

Research by Prudential highlights the scale of the problem facing many individuals who are looking to give up work this year, as the average amount of money they owe is ?31,200. However, this represents a significant decrease on the figure of ?38,200 from 12 months ago.

Tackling debt

However, it does show that progress is being made when it comes to tackling debt issues. For example, the typical amount owed by men has dropped from ?45,300 to ?33,800 in the past 12 months. This suggests people are increasingly recognising the need to take control of their financial situation.

Of those questioned as part of the Class of 2013 study, 56 per cent with debt owe money on their credit cards and 43 per cent have yet to clear their mortgages. Some 21 per cent have outstanding bank loans and 19 per cent are still using an overdraft, which highlights how unsecured borrowing is still being relied upon.

Making progress

Vince Smith-Hughes, Prudential's retirement income expert, said: "The fall in average debt owed by this year's retirees is a welcome sign that people are paying off some of the money they owe before they stop working.

"Debt does not have to be a major issue for people in retirement as long as they have sufficient income and realistic and manageable repayment programmes in place. But when people's finances are still under pressure ? it's important to ensure debt repayments do not eat into retirement incomes too much."

He added it is best if people pay off debt while they are still working, as this gives them a guaranteed revenue stream.

Geographical differences

Wales (26 per cent) was found to be the location with the highest proportion of those retiring with debts outstanding. This was followed by the West Midlands (22 per cent) and the south-west (21 per cent), while individuals in the Yorkshire and Humber were found to be in the best position (13 per cent).

These regional differences could point to the fact that consumers in certain areas are not taking the issue of debt management as seriously as others.

Seeking debt help

Moving forward, people should look to proactively clear their debt. One option worth considering is an individual voluntary arrangement (IVA), as it offers individuals the opportunity to reduce their monthly repayments.

Interest charges are typically frozen for the duration of the IVA ? which will usually last for five years ? while the amount of debt people are unable to repay within the IVA is written off at the end of it and it will stop unwanted contact from creditors.

The measure allows anyone to avoid bankruptcy, but it is still a serious undertaking. The decision to enter into the legally binding agreement is not one that should be taken lightly, but it does protect a family's home from being sold against their wishes.

By Amy White

Source: http://www.cleardebt.co.uk/news/one-five-brits-to-retire-debt_25072.php

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2012 Home Sales: Best in 5 Years | AOL Real Estate

By Les Christie

Steady December home sales capped the best year for the U.S. real estate market in five years, according to an industry trade group report Tuesday. The National Association of Realtors said that December sales of previously-owned homes came in just slightly below November's sales pace, but up 12.8% from a year ago. That brought full-year sales to 4.65 million, up 9% from 2011 and the best year for home sales since 2007, when there were 5 million homes sold just before the start of the recession.


Sales are being helped by a combination of strong market fundamentals -- near record low mortgage rates, lower unemployment and a rebound in home prices, all of which are bringing in buyers into the market who had been waiting for it to hit bottom. The mortgage rates and years of depressed home prices have also combined to create the most affordable housing market on record, according to the Realtors group. And the Realtors are predicting strong sales should continue into 2013 and beyond. It has a forecast for 5.1 million existing home sales this year, and 5.4 million next year.

The improved demand for homes in December led to the inventory of homes for sale to fall to 1.82 million homes on the market, the lowest supply since January 2001. One factor in tightening supplies is a drop in foreclosures and other distressed home sales, which made up only 24% of home sales in December compared to 32% a year ago. The tighter supply, and the drop in distressed sales, have helped to lift home prices so that the median sales price for the year rose to $176,600, up 6.3% from 2011. That's the biggest gain in prices since the bubble year of 2005.

The rebound in the market for previously-owned homes is also showing up in the market for new homes, where sales rebounded to their highest levels since 2009, while housing starts reached the highest level since 2008.

See more on CNNMoney:
Hardest-Hit Foreclosure Neighborhoods
Big Home Sales, Big Tax Savings
America's Best Places to Live

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Source: http://realestate.aol.com/blog/2013/01/23/2012-home-sales/

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What Every Business Needs To Know About Mobile Marketing ...

Mobile marketing is one of the newest types of marketing, yet it actually incorporates elements of some of the oldest and well proven methods. Many of the same rules that apply to other kinds of marketing will apply to mobile marketing too. However, there are some noteworthy differences. This article presents some solid advice on getting the best from this brilliant advertising medium.

To stay on track with your mobile marketing efforts, decide what you want to accomplish, and write a mission statement that you can stick to. Stay with your principles to keep you on the right track.

Don?t forget to still take full advantage of your standard website. If people see that you have a mobile website or iPhone/Android app when they are surfing at home, they will take note of it. That way, customers who enjoy your main site will be able to join up with your mobile site as well.

If you are looking for innovative ways to improve your bottom line, mobile marketing is the way to go. More and more people everyday are using their mobile phones to use social networking websites and download apps. These are highly-visible areas for business marketing. You must be willing to present your products and services to customers in their preferred environment.

Begin by assembling a functioning database. Do not just add loads of numbers to your database. Allowing users to opt into your database will provide you with a level of legitimacy as you continue forward. You can use a form from the internet or they can text you a code.

Mobile platforms should drive visitors to your main site. You should want people to visit your webpage or keep them coming back to it. Do not develop your business solely on a mobile platform.

Make sure your information is relevant. You may be excited to add mobile marketing to your business strategy, but make sure to stop and consider the purpose of your content. Be sure that prospective and current customers are getting information that is relevant. You will generate more sales by sending out useful content.

Keep in mind that it is tough to view and navigate a website on the small screens of smartphones and other mobile devices. Your mobile marketing proposal should be simple, and if it is simple on a computer, those using a mobile device will have an easy time viewing it.

You are going to use your plan across a multitude of different platforms, so be sure that you can maintain consistency. They should display correctly for mobile platforms like the iPhone, Android and Blackberry operating systems. It can also save time and effort if you write simple, non-customized messages that suit every platform. Simple is often the best solution for these problems.

Qr Codes

To reach the truly tech-savvy consumers, use QR codes in your printed ads. This easily allows smartphone users to access your coupons and website. Have the codes printed on posters, brochures, business cards and catalogs. Someone may want to know more about your products, but can?t easily remember your website; QR codes solve this problem.

You should put your mobile marketing business in with similar media available to you on the web. Give your customers the options to add your mobile marketing page directly from your web page and do not forget to integrate extremely interesting material. People are more motivated to purchase when they are engaged instead of just passively reading.

Your mobile domain should strive to say as much as possible with as little as possible. It is unacceptable to include wordy product descriptions and endless chains of landing pages that do nothing to enhance users? experiences. Mobile marketing requires you to stick rigidly to the focus of the topic in a concise, yet thorough, manner.

Using mobile marketing is a good way to get profits to soar. There are more and more consumers who are using their cell phones to surf the web, shop online, download apps and access social sites. Use social networking sites to boost your mobile marketing. You need to bring your marketing to where the customers are.

Anything that you do on terms of mobile marketing needs to be simple and easy so as not to drive away the end user. Filling out long contact forms on a PC is easy, but it takes a lot of time and effort on a smartphone keypad. Make it easy to add oneself to your mailing list.

When you set up social networking pages about your business, add links back to your webpage to make it easy for others to find you. The odds of potential customers stumbling across your social networking accounts by accident are slim, but visitors to your main site will be much more likely to be interested.

Provide what your customers want. Mobile marketing is based around knowledge of what your customers need and want. If you don?t understand what your customers want, how can you deliver it to them? Try and get as much information out of your customers, so you understand them and that will lead to success.

Examine what techniques your competitors are using via mobile marketing. Follow them on Facebook and Twitter. Do what it takes to differentiate yourself from the competition.

If you are attempting to physically speak to people through a phone call, or even text them, remember that the key term here is ?people.? Act appropriately.

With mobile marketing you want your call to action to be user-friendly and very simple. It is important to consider how long it takes to fill out the forms on any application a consumer could potentially use. Filling out paperwork online is simple but filling out the same form on a smartphone can be more tedious. It should be extremely simple to put themselves on a mailing list.

When you are thinking of adding SMS to a mobile marketing strategy, let people opt in or out and tell them how many texts you?re going to be sending out. SMS can work against you because it is tied to mobile device notifications. It can feel like it?s invading peoples? privacy. So make sure you opt customers into receiving your SMS marketing and stand by a maximum amount of texts you will ever send in a month. If you are honest, customers will trust you and your brand.

Do not forget to use SEO with your sites that are designed for your mobile users. Since most mobile search is done through Google, that is the perfect starting point for your mobile SEO efforts.

Make sure that you add mobile friendly directions and maps to your website. It?s likely your users will be on a mobile device when looking for your location. Allow them to contact you easily. Verify that your map displays correctly and is usable on mobile devices. Linking to Google maps also looks good to search engines.

Make the most of your company website. If you need a simple way to get your viewers to take advantage of your mobile sites and smartphone apps, make sure they are aware of these by promoting them on your base website. Make sure you have clear links that encourage your customers to use your mobile applications when they are not on their computers, as they will appreciate the way you are trying to fit in with their busy lifestyle.

Offer coupons to both new and existing clients by utilizing Multimedia Messaging Service. You can include certain promotional codes with the coupons that you send out. These codes can be linked to a mobile Web site with a special tracking code. You can use coupons to incentivize and reward loyal customers and attract new ones.

Short and sweet is an important key when it comes to appealing to all of your consumers. Make sure the messages you send can be absorbed quickly and understood by your customers.

Take the extra time to make sure your mobile messaging program works correctly. Your efforts will be wasted if customers have problems viewing your content properly. If this task will be a great burden, see if you can enlist the assistance of friends, co-workers and family to test the various components of your mobile website their their device.

Define your goals before starting to design your campaign. Set definite goals for your mobile marketing campaign. Do you want to focus on customer retention, or do you intend to solicit direct sales through your messages?

Mobile Marketing

You can effectively market your business with mobile marketing, so long as you don?t overuse it. With what you learned today you should formulate your new and unique strategy when it comes to mobile marketing. New customers and new business will be the likely result of your efforts.

Search Engine Optimization, SEO

Source: http://www.websitehostdirect.com/what-every-business-needs-to-know-about-mobile-marketing/

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Downsize Thoughtfully | Panorama Hills Calgary Homes For Sale

How? to downsize thoughtfully? Check this out!

Over the past 15 years, we have seen debt rise across the nation, and more and more Canadians are retiring with debt. According to a recent survey by CIBC, 59 per cent of retirees are carrying debt in retirement and the trend may continue as more baby boomers head into their retirement years.

What happened to the notion that we had to be debt-free before we retired?

Over the past 20 years I?ve been asked an increasing number of questions by attendees at my retirement seminars. ?Can you still retire if you are not debt free?? ?Is it OK to have debt in retirement?? ?How do you pay down debt in retirement?? ?Are reverse mortgages good??

A common solution is to downsize. For most people, this simply means selling a large, family-style home and buying a smaller house that is more suited to retirement. While downsizing may appear to be an intuitive solution, it may not help with the finances as much as you think.

I recently met a woman who wanted to sell her bigger home and move into a condo, but she soon realized that despite being smaller, the condo would actually cost more. The condo designed for retirees was new, with lots of upgrades, compared to her 20-year-old house. It was a real reality check to discover that her downsizing retirement plan was not going to save her any money.

CONDO FEES IN RETIREMENT

Retirement communities are becoming increasingly popular for the lifestyle benefits they offer, such as lower maintenance from smaller houses and yards, and travelling with peace of mind knowing your place will be looked after.

It?s important to be aware, though, that these communities usually involve monthly condo fees or strata fees, which can really impact finances in retirement.

While it?s not always a solution, I?ve met many people for whom downsizing has been financially rewarding. Some have prepared for retirement by buying vacation property, then downsizing from two homes to one. Others have sold homes in more expensive cities to move to quieter ones and have saved money that way. Others have utilized traditional downsizing to their advantage by moving from a bigger home to a smaller one.

There is no cookie-cutter solution . The lifestyle you want in retirement ? including family, hobbies, climate and health ? will strongly affect the house you choose.

For some, downsizing brings the opportunity to clean out years? worth of collected household items and start fresh. But many struggle with throwing things away and selling a family home that is filled with memories.

If you are looking to downsizing as a way to reduce debt in retirement, make sure you plan ahead and explore your options early.

Jim Yih (twitter.com/jimyih) is a financial expert. Visit his award-winning blog , RetireHappyBlog.ca
? Copyright (c) The Edmonton Journal

Downsize Thoughtfully ? by The Edmonton Journal

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Jared & Rebecca
About The Chamberlain Group:
Jared and Rebecca Chamberlain are Calgary REALTORS? who are changing how real estate is done in Calgary by utilizing online marketing and advanced tools to sell your house in Calgary faster and for far more money. They would be honored to have the chance to work with you and earn your business. ____________________________________________________

Source: http://www.homesinpanoramahills.com/downsize-thoughtfully/01/2013/

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