Chirana

Today, many people are opting to consolidate their debts. There are many benefits of consolidating your loans. Apart from getting lower interest rates, you will also have lower payments to make and only a single debt to service rather than a number of them with different rates and repayment terms.

The Importance of Bad Credit Loans
Bad credit loans can help you carry out both short-term and long-term financial projects. Whether you need to pay your monthly bills or are looking to purchase a car, you will find these financial products ideal. With long term Bad Credit Loans, you also get an opportunity to repair your credit history. By settling your monthly payments in time, your credit score will improve with time and this will entitle you to better lending rates in future.

Bad Credit Loans Interest Rates
One of the characteristics of bad credit loans is that they typically come with higher interest rates than comparable amounts of traditional loans. However, there are a number of ways through which you can reduce the interest rates charged. These include:

1. Providing collateral

When you provide collateral for the loan you are applying for, you can expect a discount on the interest rates. Most lenders that provides Personal Loans For Bad Credit will accept collateral whose monetary value is higher than the loan that you are applying for. Find out from your lender what types of collateral are accepted.

1. Offering a higher down payment

If you have some money to offer as down payment, your rates will be significantly lower than that given to a borrower who does not have down payment. Usually, a 10 to 30 percent down payment for your loan is sufficient for the lender to offer you better rates.

1. Compare rates

Before you apply for a bad credit loan, it is important to compare the interest rates charged by different lenders. The rate that you will be charged will depend on your credit history, current debts among other things. Look for quotes from different lenders and compare them to get one that is affordable.

Applying for a Bad Credit Consolidation Loan
To apply for a bad credit debt consolidation loan, you have to find a lender who offers such services. Keep in mind that it is up to your debtors to decide whether or not to accept your debt consolidation request. Usually, a debt consolidation company will talk to your current debtors and ask to buy off your debts. In return, you will have to pay back the debt consolidation company instead of your original lenders.
Going through the terms and conditions of a debt consolidation lender is important before you decide to work with any of them. The terms usually outline the amount of payments you will have to make every month, what action the lender will take if you miss or fail to make your payments, your obligations with the loan among other things. Ask your financial advisor to explain any parts of the terms and conditions that you may not understand

DOVER, Del., Jan 26, 2012 (BUSINESS WIRE) –
Dover Downs Gaming & Entertainment, Inc.

/quotes/zigman/300899/quotes/nls/dde DDE
+2.08%

today reported
results for the fourth quarter and year ended December 31, 2011.

The Company’s revenues were $61,619,000 compared with $57,941,000 for
the fourth quarter of 2010. As a result of better weather compared to
2010, gaming revenue increased 4.0% compared to the fourth quarter of
last year from higher slot win and table game revenue for the quarter.

Gaming profits were higher compared to the fourth quarter of last year
as a result of the revenue increases and from various cost cutting
programs implemented during the year.

Other operating revenues improved to $6,600,000 from $5,026,000 due to
increased rooms and food and beverage business attributable to the
timing of Dover Motorsports’ fall NASCAR race weekend held in October
this year vs. September last year and from increased convention
business. Occupancy levels in the Dover Downs Hotel were approximately
87% for the fourth quarter of 2011 compared with approximately 83% for
the fourth quarter of 2010.

Net earnings were $2,120,000, or $.07 per diluted share, compared with
$501,000, or $.02 per diluted share for the fourth quarter of 2010.

Net earnings for the year declined 20% to $5,359,000, or $.17 per
diluted share compared with $6,743,000 or $.21 per diluted share for
2010.

Denis McGlynn, the Company’s President and Chief Executive Officer,
stated: “Compared to last year, casinos in our region benefited from
mild weather in the fourth quarter this year, especially in December.
Additionally, our non-gaming activity was strong in the fourth quarter,
in large part due to the October NASCAR race. Our year end results
emphasize that increasing competitive challenges and high taxes will
require us to continue to find efficiencies — a formidable task
considering that we are in a customer centric business that necessitates
continued investment in our facility and in our promotions and marketing
initiatives.”

The Company announced yesterday that its Board of Directors declared a
quarterly dividend of $.03 per share payable on March 10, 2012 to
shareholders of record at the close of business on February 10, 2012.

This release contains or may contain forward-looking statements based on
management’s beliefs and assumptions. Such statements are subject to
various risks and uncertainties that could cause results to vary
materially. Please refer to the Company’s SEC filings for a discussion
of such factors.

Owned by Dover Downs Gaming & Entertainment, Inc.

/quotes/zigman/300899/quotes/nls/dde DDE
+2.08%

, Dover
Downs Hotel & Casino(R) is a premier gaming and
entertainment resort destination in the Mid-Atlantic region. Gaming
operations consist of approximately 2,500 slots and a full complement of
table games including poker. The AAA-rated Four Diamond hotel is
Delaware’s largest with 500 luxurious rooms/suites and amenities
including a full-service spa/salon, concert hall and 35,000 sq. ft. of
multi-use event space. Live, world-class harness racing is featured
November through April, and horse racing is simulcast year-round.
Professional football parlay betting is accepted during the season.
Additional property amenities include multiple restaurants from fine
dining to casual fare, bars/lounges and retail shops. For more
information, please visit
www.doverdowns.com .

DOVER DOWNS GAMING & ENTERTAINMENT, INC.
CONSOLIDATED STATEMENTS OF EARNINGS
In Thousands, Except Per Share Amounts
(Unaudited)
Three Months Ended Years Ended
December 31, December 31,
———————– ————————-
2011 2010 2011 2010
———– ———– ———— ————
Revenues:
Gaming (1) $ 55,019 $ 52,915 $ 217,415 $ 217,267
Other operating (2) 6,600 5,026 22,527 20,882
—— —— ——- ——-
61,619 57,941 239,942 238,149
—— —— ——- ——-
Expenses:
Gaming 48,468 47,796 193,392 188,293
Other operating 4,785 3,838 16,510 16,127
General and administrative 1,434 1,577 6,288 6,922
Depreciation 2,797 3,110 11,665 12,059
—— —— ——- ——-
57,484 56,321 227,855 223,401
—— —— ——- ——-
Operating earnings 4,135 1,620 12,087 14,748
Loss on extinguishment of debt – – 45 -
Interest expense 625 835 2,872 3,254
—— —— ——- ——-
Earnings before income taxes 3,510 785 9,170 11,494
Income taxes 1,390 284 3,811 4,751
—— —— ——- ——-
Net earnings $ 2,120 $ 501 $ 5,359 $ 6,743
=== ====== === ====== === ======= === =======
Net earnings per common share:
– Basic $ 0.07 $ 0.02 $ 0.17 $ 0.21
=== ====== === ====== === ======= === =======
– Diluted $ 0.07 $ 0.02 $ 0.17 $ 0.21
=== ====== === ====== === ======= === =======
Weighted average shares outstanding:
– Basic 31,646 31,558 31,645 31,555
– Diluted 31,646 31,558 31,645 31,555
_________________________

(1) Gaming revenues from the Company's slot machine and table game
operations include the total win from such operations. The
Delaware State Lottery Office collects the win and remits a
portion thereof to the Company as its commission for acting as a
Licensed Agent. The difference between total win and the amount
remitted to the Company is reflected in gaming expenses.
(2) Other operating revenues do not include the retail amount of
promotional allowances which are provided to customers on a
complimentary basis.

DOVER DOWNS GAMING & ENTERTAINMENT, INC.
CONSOLIDATED BALANCE SHEETS
In Thousands
(Unaudited)
December 31, December 31,
2011 2010
------------------ ------------------
ASSETS
Current assets:
Cash $ 18,634 $ 18,819
Accounts receivable 3,982 3,098
Due from State of Delaware 9,440 9,829
Inventories 1,860 1,989
Prepaid expenses and other 3,659 2,551
Receivable from Dover Motorsports, Inc. - 18
Income taxes receivable - 617
Deferred income taxes 1,317 1,349
------- -------
Total current assets 38,892 38,270
Property and equipment, net 176,415 186,227
Other assets 877 789
------- -------
Total assets $ 216,184 $ 225,286
==== ======= ==== =======
LIABILITIES AND STOCKHOLDERS' EQUITY
Current liabilities:
Accounts payable $ 4,035 $ 3,742
Purses due horsemen 9,004 9,829
Accrued liabilities 11,912 12,286
Payable to Dover Motorsports, Inc. 11 -
Income taxes payable 444 -
Deferred revenue 254 307
------- -------
Total current liabilities 25,660 26,164
Revolving line of credit 69,000 78,600
Liability for pension benefits 5,570 4,949
Other liabilities 147 598
Deferred income taxes 3,301 4,224
------- -------
Total liabilities 103,678 114,535
------- -------
Stockholders' equity:
Common stock 1,576 1,564
Class A common stock 1,660 1,660
Additional paid-in capital 3,464 2,721
Retained earnings 108,090 106,432
Accumulated other comprehensive loss (2,284) (1,626)
------- ---- ------- ----
Total stockholders' equity 112,506 110,751
------- -------
Total liabilities and stockholders' equity $ 216,184 $ 225,286
==== ======= ==== =======

DOVER DOWNS GAMING & ENTERTAINMENT, INC.
CONSOLIDATED STATEMENTS OF CASH FLOWS
In Thousands
(Unaudited)
Years Ended
December 31,
---------------------------------------
2011 2010
------------------- -------------------
Operating activities:
Net earnings $ 5,359 $ 6,743
Adjustments to reconcile net earnings to net cash provided by
operating activities:
Depreciation 11,665 12,059
Amortization of credit facility origination fees 90 72
Stock-based compensation 905 1,192
Deferred income taxes (389) (85)
Loss on extinguishment of debt 45 -
Changes in assets and liabilities:
Accounts receivable (884) (462)
Due from State of Delaware 389 1,240
Inventories 129 (168)
Prepaid expenses and other (995) (392)
Accounts payable 604 664
Purses due horsemen (825) (390)
Accrued liabilities (374) 3,498
Payable to/receivable from Dover Motorsports, Inc. 29 (13)
Income taxes payable/receivable 869 (187)
Deferred revenue (53) 1
Other liabilities (913) (278)
-------- ---- -------- ----
Net cash provided by operating activities 15,651 23,494
-------- --------
Investing activities:
Capital expenditures (1,853) (5,576)
Proceeds from sale of available-for-sale securities 214 65
Purchase of available-for-sale securities (291) (67)
-------- ---- -------- ----
Net cash used in investing activities (1,930) (5,578)
-------- ---- -------- ----
Financing activities:
Borrowings from revolving line of credit 180,683 116,300
Repayments of revolving line of credit (190,283) (132,825)
Dividends paid (3,888) (3,870)
Repurchase of common stock (150) (117)
Credit facility fees (268) -
-------- ---- --------
Net cash used in financing activities (13,906) (20,512)
-------- ---- -------- ----
Net decrease in cash (185) (2,596)
Cash, beginning of period 18,819 21,415
-------- --------
Cash, end of period $ 18,634 $ 18,819
==== ======== ==== ========

SOURCE: Dover Downs Gaming & Entertainment, Inc.

Dover Downs Gaming & Entertainment, Inc.
Timothy R. Horne - Sr. Vice President-Finance
302-857-3292

Copyright Business Wire 2012

/quotes/zigman/300899/quotes/nls/dde

Add DDE to portfolio

DDE

Dover Downs Gaming & Entertainment Inc.

$
2.45

+0.05
+2.08%

Volume: 31,299
Jan. 26, 2012 4:03p

/quotes/zigman/300899/quotes/nls/dde

Add DDE to portfolio

DDE

Dover Downs Gaming & Entertainment Inc.

$
2.45

+0.05
+2.08%

Volume: 31,299
Jan. 26, 2012 4:03p

AUSTIN, Texas, Jan 25, 2012 (BUSINESS WIRE) –
Seamless
Entertainment(TM), an independent game developer located in Austin,
Texas, today announced the launch on Steam(R)
of its downloadable 3D space action game, SOL:
Exodus. Set 500 years in the future and in the familiar setting
of Earth’s Solar System, SOL: Exodus combines the power of modern
graphics technology with non-stop, up-close, heart-pounding action that
will remind players of the glory days of space combat games when Wing
Commander and FreeSpace were at the top of the charts.

SOL: Exodus is powered by the Unreal(R) Engine 3, which
spectacularly shows off the planets of the Solar System and their many
unique features as a backdrop to breathtaking 3D combat. Players will
join a splintered resistance group fighting for the survival of the
human race, dogfighting around the rings of Saturn, defending a mining
installation from attack on Pluto, rescuing disabled transport ships
plummeting through Neptune’s atmosphere, and even engaging a massive
“Space Temple” in a climactic battle around Titan. Each mission is an
action-packed affair that puts players directly in the battle for the
fate of humanity.

“SOL: Exodus is a chance for gamers to get back to some real fun in a
genre that’s lost its luster in recent years,” said Chris Stockman, the
game’s creative director. “We want to revive space combat games. People
today want epic games and tense, action-packed experiences and we
believe we’ve done that with SOL: Exodus. The game has huge battles and
in some cases you are fighting against very large capital ships, which
you can take down on your own. It’s a blast in so many different ways.”

The storyline for SOL: Exodus is not your typical
aliens-versus-humans sci-fi plot. Instead, players will be pitted
against a powerful group of religious extremists who have locked down
the Solar System in preparation for Armageddon. Called the Children of
Dawn, they believe the impending supernova of the sun will bring with it
end of the world, and those not consumed by the dying sun’s fire will be
damned. Your job is to travel across the solar system, saving refugees
while eliminating the enemy forces that stand in your way, and escape
the Solar System before it’s too late.

Featuring professional, fully voiced dialogue, the world and story of SOL
is brought to life by a cast of compelling characters, including the
player’s character, The Commander; your shipboard AI, the Central
Automated Sol System Intelligence (CASSI); enigmatic religious icon Aric
Corbin; the cruel and spiteful General T’Jien; and many others. As the
storyline progresses, new allies are recruited and old scores are
settled as The Commander vows to save mankind from both a dying sun and
an insidious cult.

SOL: Exodus is a downloadable, eight-mission linear
campaign-based game. This release offers only the first half of the
story of the fight against the Children of Dawn to save humanity.
Seamless is already working on more missions to complete the epic tale.
“There’s much more to the story that we’ll be telling,” said Dan Magaha,
Seamless Entertainment’s studio head. “In this release, you’ll fight
your way to Titan, Saturn’s sixth moon. In the coming months we plan on
releasing even more missions for our players which ultimately will lead
them to Jupiter, Mars, Earth and the final battles closer to the Sun.”

SOL: Exodus, for Windows PCs only at this time, is available now
for download for US$9.99 on Steam,
http://store.steampowered.com/app/200410 .
The game supports a variety of input devices including joysticks,
gamepads and keyboards. For more information about SOL: Exodus go
to
http://www.SOLExodus.com .

About Seamless Entertainment

Established in 2008, Seamless Entertainment, Inc. is a small game
development studio that focuses on fun, highly polished downloadable
entertainment experiences. Located in the creative and highly energized
entertainment capital of Austin, Texas, Seamless’ six-person development
team is launching the studio’s first original IP, SOL: Exodus, a
3D space combat game that aims to revive the action space shooter genre
to its glory days of Wing Commander and FreeSpace. For
more information about Seamless Entertainment go to
http://www.seamlessentertainment.com/ .

Seamless Entertainment, Inc. and SOL: Exodus are trademarks or
registered trademarks of Black Lantern Holdings, Inc. All other
trademarks are the property of their respective owners.

SOURCE: Seamless Entertainment, Inc.

Seamless Entertainment, Inc.
David Swofford, 512-750-9098
dswofford@ConleySwoffordMedia.com

Copyright Business Wire 2012

Twtter is the biggest all in one Twitter application directory. People here can subscribe to whole lots of apps and get benefits- of all the applications free of cost. Twitter is not just a place where you Tweet, it is more than that where people can share and help each other out. So, twtter has been making application that makes user ease their twitter.

You can tweet via anything you like that are listed on the directory. Posting and Updating new status using cool applications like iPhone, iPad, Android, Twitter, Google and more. You do not need to have the device or applications on your own, you just need to allow your Twitter to access and you will be ready to go. Just type any status you want to post via and press the Tweet button, and you see the tweet updated on Twitter time line.

In this film image released by Summit Entertainment, Elizabeth Banks, left, and Sam Worthington are shown in a scene from Man on a Ledge.

Myles Aronowitz / Summit Entertainment / The Assoc

Apple’s IPad Leads Surge in Tablet Shipments, Research Firm Says
January 26, 2012, 10:04 AM EST

• Business Exchange
• E-mail
• Print

More From Businessweek

• SanDisk Tumbles as Lower Prices Hurt Sales: San Francisco Mover
• Apple Surges to Record After Profit Doubles on IPhone Demand
• Apple Files Design Suit Against Samsung Smartphones in Germany
• Apple Is Said to Ready IPad 3 With Sharper Screen, LTE Access
• Microsoft Leads Stalwarts in Topping Estimates; Google Dips

By Adam Satariano

Jan. 26 (Bloomberg) — Tablet-computer shipments more than doubled in the fourth quarter, reflecting demand for Apple Inc.’s iPad and Amazon.com Inc.’s new Kindle Fire, according to market-research firm Strategy Analytics.

Global tablet shipments rose to a record 26.8 million units in the last three months of 2011, up from 10.7 million a year earlier, Boston-based Strategy Analytics said in a report. Consumers are increasingly choosing tablets over laptop or desktop personal computers, the research firm said.

Even as Apple’s iPad shipments doubled, the company ceded market share to machines sporting Google Inc.’s Android operating system. Android tablets accounted for 39 percent of the market, up from 29 percent a year earlier, suggesting strong sales of Amazon’s Android-based Kindle Fire since its release in November. Apple, whose iPad was introduced in 2010, still led the market with a 58 percent share, down from 68 percent. Microsoft Corp. had 1.5 percent, Strategy Analytics said.

Apple said this week that it sold a record 15.4 million iPads in the quarter ended Dec. 31, generating $9.15 billion in sales. In less than two years, the device has become the company’s second-best selling product by revenue, behind the iPhone.

Amazon, based in Seattle, hasn’t disclosed how many tablets it has sold. The $199 Kindle Fire costs less than half the $499 price for Apple’s least-expensive iPad model. Samsung Electronics Co. and Motorola Mobility Holdings Corp., which is being acquired by Google, also have introduced tablets running Android software.

Eclipsing PCs?

“Android is so far proving relatively popular with tablet manufacturers,” Neil Mawston, executive director at Strategy Analytics, said in a statement.

Apple Chief Executive Officer Tim Cook said the global tablet market will eventually be larger than the one for personal computers. On a conference call with financial analysts on Jan. 24, he said he didn’t see an impact on iPad sales after Amazon released the Kindle Fire.

“There’s clearly customers that will buy those, and I think they’ll sell a fair number of units, but I don’t think that people that want an iPad will settle for a limited function,” Cook said on the call.

Worldwide PC shipments declined 1.4 percent in the fourth quarter to 92.2 million units, Gartner Inc. said earlier this month, citing sluggish consumer demand.

–Editors: Jillian Ward, Tom Giles

To contact the reporter on this story: Adam Satariano in San Francisco at asatariano1@bloomberg.net

To contact the editor responsible for this story: Tom Giles at tgiles5@bloomberg.net

• Business Exchange
• E-mail
• Print

READER DISCUSSION

Jan 8, 2012 

PAWTUCKET, R.I. (AP) — The Rhode Island city that was home to the nation’s first successful textile mill is showcasing its fibers once again.

A sculptor in Pawtucket has stretched thousands of feet of synthetic fabric cords across the Blackstone River in a suspended display of color that is equal parts art and engineering.

The installation, in the shadow of the Slater Mill, draws on the city’s history as the birthplace of the American Industrial Revolution and its modern-day incarnation as a sort of artists’ colony. According to the city and artist Donald Gerola, who finished the work late last month, such a weaving has never been done.

“This is the first river that was ever woven in the United States,” said Gerola. “This is history.”

The “Weaving the Blackstone” project — reminiscent of the massive environmental “wrappings” done by the artist Christo — consists of nearly 30,000 feet of polyester, nylon and polypropylene cords stretched across the river. The brightly colored cables are suspended anywhere from 3 feet above the water to nearly three dozen; they cross in places, and at their longest, run 400 feet. In three spots, they are threaded through oversized heddles Gerola built to highlight the weaving theme. The heddle is the part of a loom through which all threads pass.

It took two archers with high-powered bows — normally used to hunt bear — to get the cords from one side of the river to the other. Later, vandals would cut them twice, forcing Gerola back to the drawing board. He says he spent countless hours with a machete and chain saw clearing brush and trees along the river to make the installation possible. He has a long list of gripes with the city and calls the project — for which he’s being paid $22,000 — a “total financial loss.” But it has mesmerized him.

“It just drew me in,” said Gerola. He notes that the march of light across the cords throughout the day creates an ever-changing look, capped off at night when floodlights leave the cables looking like laser beams.

“I believe in Walt Disney: If you have a dream, make it come true,” he said.

The project is at the center — literally — of a gritty, struggling city of more than 70,000 that has spent years trying to reinvent itself as a community of artists. It created an arts district more than a decade ago, with special state income tax exemptions for artists, and redeveloped many of its dormant mills into artist studios and living spaces. (Gerola’s 3,500-square-foot studio is in one such building dating to 1868.) In 2008, the publication Art Calendar named Pawtucket to its list of 10 Great Towns for artists, saying the city “just might be God’s Mecca for working artists.”

Congress is also considering designating Slater Mill, the Blackstone River and several mill towns a national historic park.

John Baxter, chairman of the Pawtucket Arts Festival, said that, aside from its feat of engineering, the beauty of the installation is how it blends the city’s industrial past with its artistic present. He hopes it will remain up at least through this year’s festival in the fall.

While the arts festival provided $5,000 for the project, the rest of the financing came from a local printing company, Baxter said. No city money was used. Pawtucket’s economic and cultural affairs officer, Herb Weiss, said he’d like to get representatives from the Smithsonian and the National Endowment for the Arts to attend the project’s formal dedication.

Gerola, 62, studied physics at the University of Dayton, but realized his calling at age 24 as an artist. He started as a muralist in New York and, in 1978, opened his first studio, across the Hudson River in New Jersey.

He has worked extensively in steel, creating sculptures that tower as many as 40 feet, including centerpieces for international expos. His kinetic wind sculptures are on view on Cape Cod, including at the National Seashore, and elsewhere.

He describes himself as having been “endlessly fascinated” with weaving, which has figured in his works since the 1980s. The Blackstone project includes a 25-foot, 2,500-pound sculpture of a spool of thread — called The Bobbin — that required a crane to install.

“Don is such a creative mind, it’s not even funny,” said Donald Grebien, Pawtucket’s mayor.

Despite the comparisons to Christo, Gerola said the artist is not his inspiration. And he said he never truly appreciated Christo’s work until he undertook the river weaving.

“I realized how difficult, how dangerous and expensive and how much muscle power it takes to get material over a river,” he said. “It’s easy on a piece of paper.”

Christo — who decades ago stretched 150,000 square feet of fabric across Newport’s waterfront in a piece called “Ocean Front” — is planning a project in Colorado called “Over the River” in which he’ll suspend fabric panels across the Arkansas River. It’s expected to cost $50 million.

Supporters of the Blackstone project note one historical twist. The cords Gerola used were manufactured by a local company owned by Andrew Jencks, a descendant of Pawtucket’s founder, Joseph Jencks, an iron worker who came to Rhode Island in 1671 looking for a place to set up his works.

“It’s really a pretty magical effect the way the lines play against the falling water over the dam,” said Irving Sheldon, president of the Old Slater Mill Association. “We’re hoping people will take notice of the city and of the river and of the museum.”

Copyright © 2012 The Associated Press. All rights reserved.

NEW YORK Europe took the financial world on a stomach-churning ride in 2011.
The rising threat of default by heavily indebted European countries spread fear across financial markets and weighed on economies worldwide. As the year came to a close, banks and investors nervously watched Europes political and financial leaders scramble to prevent the 17-nation eurozone from breaking apart.

Several of the other biggest business stories of the year highlighted the global economys linkages: A British phone-hacking scandal shook the foundations of Rupert Murdochs US-based media empire; a nuclear disaster in Japan stymied auto plants in the US and beyond; and the price of gasoline surged because of unrest in the Middle East and growing demand in Asia and Latin America.

In the US, political squabbling led to the first credit downgrade for government debt, the economy suffered its fourth straight disappointing year and Apple founder Steve Jobs died.

The European financial crisis was chosen as the top business story of the year by business editors at the Associated Press. The sluggish US economy came in second, followed by the death of Jobs.

EUROPEAN FINANCIAL CRISIS: The government-debt crunch rattled Europes financial system and weighed on the global economy. Portugal became the third European country, after Greece and Ireland the year before, to require a bailout as its borrowing costs soared. And investors grew worried that countries with much larger debts, such as Spain and Italy, would also need help.
Financial markets were volatile all year as hopes rose and then were dashed that forceful steps would be taken to prevent the financial crisis from becoming Europes version of the 2008 collapse of Lehman Brothers, which triggered a global financial panic and deepened the Great Recession.
Banks worried that they or their partners wouldnt be able to cover losses if governments defaulted, so they cut back on lending. European governments, facing ever higher borrowing costs, reined in spending a policy response that is expected to stunt much-needed economic growth. Analysts estimate the slowdown in Europe, Americas No. 1 trading partner, will cut US economic growth next year.

BAD US ECONOMY: YEAR FOUR: The Great Recession may have ended, but the economic recovery continued to disappoint. For the first six months of the year, the economy grew at an annual rate of just 0.9 percent. Growth improved to a 2 percent rate in the third quarter and a 3 percent growth rate is forecast for the fourth quarter.

Still, 2 years after economists say the recession ended, 25 million people remain unemployed or unable to find full-time work. The unemployment rate fell from 9 percent in October to 8.6 percent in November, providing a hopeful sign. Yet the housing market remained burdened by foreclosures and falling prices in many metropolitan areas. How to fix the economy became the top campaign issue for Republican presidential contenders.

STEVE JOBS DIES: The college dropout who helped popularize the personal computer and created the iPod, iPhone and iPad, died on Oct. 5. That was two months after Apple Inc., which Jobs started in a Silicon Valley garage in 1976, briefly surpassed Exxon Mobil Corp. as the most valuable publicly traded company in the world.
Jobs cultivated a countercultural sensibility and a minimalist design ethic. He rolled out one sensational product after another, even during the recession and as his health was failing. He first helped change computers from a geeky hobbyists obsession to a necessity of modern life. In recent years, he upended the music business with the iPod and iTunes, transformed the smart phone market with the iPhone and created the tablet market with the iPad.

THE US CREDIT DOWNGRADE: The inability of political leaders to come up with a long-term plan to reduce the federal budget deficit led the credit rating agency Standard Poors to take away Uncle Sams sterling AAA credit rating for the first time. The political bickering enraged voters, spooked investors and led to the lowest consumer confidence level of the year. But the nations long-term borrowing costs fell after the crisis. The reason: US debt still looks safer to investors than almost everything else, especially European debt.

RUPERT MURDOCH AND THE HACKING SCANDAL: The man whose worldwide media empire thrives on covering scandal became the center of a dramatic one. A British tabloid newspaper owned by Murdochs News Corp., which also owns Fox News and the Wall Street Journal, hacked the phone of a murdered schoolgirl. Murdoch was not charged with a crime, but an investigation by British authorities raised questions about Murdochs ability to run his worldwide media empire. News Corp. fired several executives and closed the newspaper at the center of the scandal, the News of the World.

JAPAN EARTHQUAKE: An earthquake and tsunami that crippled the Fukushima Dai-ichi nuclear reactor, owned by Tokyo Electric Power Co., cut off supplies of crucial Japanese parts and idled factories thousands of miles away. Auto companies, especially Toyota and Honda, were hit hardest. Inventory of certain models, especially hybrids, fell short at dealerships, reducing sales and sending retail prices higher. The worst nuclear accident since Chernobyl led countries around the world to reconsider nuclear power. Germany decided to abandon nuclear power by 2022.

GASOLINE PRICES HIT ANNUAL RECORD: The retail price of gasoline averaged $3.53 per gallon for the year, eclipsing the 2008 record of $3.24 per gallon. Americans drove less and switched to more fuel efficient cars, but it wasnt enough to offset the higher prices. A bigger percentage of household income went into the gas tank in 2011 than any year since 1981. Economists say the high prices shaved half a percentage point off US economic growth.

SOCIAL MEDIA IPOs TAKE OFF: Shares of the business social networking site LinkedIn more than doubled when it went public in May, recalling the froth of the dot-com boom. LinkedIn was followed by large IPOs from online radio company Pandora Media, online discount site Groupon and social gaming site Zynga. But the market is treacherous: shares of Pandora, Groupon and Zynga all traded below their offering prices soon after they were listed. Market anticipation is high for a Facebook IPO in 2012.

OCCUPY WALL STREET: On Sept. 17, several hundred protesters gathered at a small plaza about a block from the New York Stock Exchange. They slept in tents, ate donated meals and protested income inequality and the influence of money in politics. The movement inspired protesters around the world who camped in city centers and business hubs to complain about unemployment, CEO pay and a decline in upward social mobility.

THE DOWNFALL OF MF GLOBAL AND JON CORZINE: The former governor, senator and co-chairman of Goldman Sachs lost control of a small brokerage firm he agreed to run in 2010. Saddled with huge debt and risky bets on European bonds, MF Global was forced to file for bankruptcy protection on Halloween after trading partners and investors got spooked. It was soon discovered that $1.2 billion in customer money was missing. Corzine told Congress he had no idea where the money went.

Children came face to face with festive furry friends when they met real reindeer at their school Christmas fete.

Youngsters at Beanfield Primary School were able to enjoy the magic of Christmas at the first festive fete the school has held.

The event at the Corby school on Thursday, along with a mufti day, raised £960 for school funds.

Learning mentor Sarah Fleming said Father Christmas and the creatures from East Carlton-based Real Reindeer proved very popular.

She said: “The reindeer were so lovely. We were expecting big horrible things but they weren’t – they were so gentle with the children and the children the other way around as well. The atmosphere was amazing and we had an amazing amount of parents come too.”

The majority of whatever you will see on the net regarding getting ranked on the first page of Google is merely naive, basic and does not work. Permit me to provide you with a quick case in point. Here is a site which offers to list you on the first page of Google, guaranteed http://firstpageofgooglex.com.

You are likely to expect until this web site can be rated for the first page of google for its obvious focused keyword “first web site of Google” and in fact, the web page won’t appear right up until web site 4 of Google search positions once you research “first page of google”. This is corresponding in order to using punching lessons coming from a man who seems to lose most every punching match. How about we devote this post in order to detailing each of the erroneous guidance along with worthless articles with this topic and also the best way to consider this problem along with exactly what does function according to our many findings.

All of the naive along with erroneous articles without consideration replicate the next to get rated inside the first page of google:

Submit articles inside article publication sites with links back to your site. You would post these content articles about such sites just as one e-zinearticles.com, articledirectory.com, isnare.com along with countless additional websites which will recognize, totally free, articles variety any person regarding anything. This is a waste. It is a waste because Google presents simply no or even almost no pounds in order to backlinks readily available services. Exactly why? Simply because anyone can post articles of any high quality about these websites along with Google previously sees that the quality may be of little or no price.

Save or even submit your content in order to social bookmarking sites also referred to as web 2 ..Zero websites similar to Reddit, Digg, Slashdot along with countless other folks. Comparable to posting articles about article publication sites which can be free of charge along with anyone can do this, Google once again gives us little to no price in order to backlinks readily available websites.

Following, you may often find guidance to get your website indexed inside free of charge websites. I’ll wager an individual speculate the value of these kind of backlinks from free websites. Because Google sees that these kind of backlinks are free of charge as well as now you may buy them, exactly why would Google supply virtually any pounds about bat roosting backlinks along with bless your web site with virtually any expert shifting your web site in order to page 1 with their search results?

It will become really simple to know exactly what backlinks could have price along with exactly what backlinks do not need price inside Google’s sight. You need to a minute to believe similar to Google. In order to function as expert about rating internet sites pertaining to particular search results, since Bing is, you wish to rank internet sites that have backlinks from other internet sites that were not free of charge or even trash internet sites but backlinks through private internet sites or even trustworthy internet sites that already have a top pr. You would provide the greatest price in order to backlinks that you could not acquire totally free, but, had to have impact to obtain. When I have faith that impact, I mean that other folks observed the grade of your web site consequently powerful along with important they willingly related to your web site variety the website. Applying this criteria, “how would Google consider,” you can have a new measuring stick to determine if anything an individual advises an individual regarding getting very first pr, will continue to work.

Do you know of these kind of so-called authorities or even consultants may advise strategies which simply do not work? In the past, these kind of strategies do function just before Google stiffened up their particular criteria. Not knowing exactly what otherwise to complete, the particular so-called authorities continue to suggest along with advise exactly the same points, especially the points they can carry out totally free.

This particular publisher is aware of the aforementioned strategies do not work because he is chosen many these kind of consultants with out consequence. The need to discover out and about precisely what does function, the writer executed many findings and located out and about that backlinks through private sites along with trustworthy internet sites swiftly enhanced his very own websites to the first page of Google.

To make your site most attractive, be sure and how to install wordpress

Wiggles a yellow Labrador-mix plays with Hamilton College student Madison Brown Friday Dec. 9, 2011 during the Humane Society of Romes Paws to Relax event that took place on the Hamilton College Campus.