When my mom told me she wanted me to help her get online, I just about fell over in shock. My mom is just the last person I would have ever expected to show an interest to anything remotely associated with a computer or the Internet. She told me that more seniors from the local center were getting online, and she felt it was high time she did too. She also wanted email and a social media page, so I got both of those set up for her. I told her about her new MSN Hotmail online login, but she didn’t seem to understand what I was explaining. Read the rest of this entry »
So I am pretty sure how this happened. I accidentally ended up at this web page where you do not want to be. However this was late at night and my mental acuity was probably not up to the usual standard, so before I knew what was going on I had this rather nasty malware on my computer. This is my home computer, but I use it for a lot of important things and I can not afford to have it out of action or to not be able to trust it. I found a bunch of email@example.com and one of them must have had some malware, but it was only about using coupons to get a cheap version of malwarebytes or mal bytes, I forgot exactly what the name of it was. However I recognized it and it was one of the better known names in this area.
Of course I do not want to take any chances so I am looking for a safe place to get what I need. Read the rest of this entry »
My best friend and I have both been lucky enough to find pretty good jobs and he wants me to come in with him. Of course he wanted to get a place of his own, but then he saw what it was going to cost him if he were going to get a one bedroom apartments in Toledo. That is going to be around eight hundred dollars at the minimum, unless you get some place that is going to be a dump at least. However if you get a place with two bedrooms that is going to start out at around a thousand dollars per month. Read the rest of this entry »
We analyze several housing market indicators in order to present an in-depth breakdown of Berkeley Ca Homes for Sale Market comparing December 2008 to December 2009.
Summary of Key Points
Berkeley Ca Homes for Sale market suffered a decrease in home prices however that acted as an incentive for buyers leading to a significant increase in home sales
Median Sales Price (-8.23%), Median Days on Market (-26.86%), and Number of Units Sold (30.77%)
Big Picture: Out of 20 cities analyzed in the East Bay, Berkeley was one of 12 cities that saw a decrease in median home prices and Berkeley buyers used that to their advantage snapping up 30.77% more homes in Dec 09
Berkeley Ca Homes for Sale
The city of Berkeley experienced an 8.23% drop in median sales price from last year going down from $751,333 (Dec. 08) to $689,505 (Dec. 09). In the city of Berkeleys case, the decrease in median sales price spurred a dramatic reduction in median days on market and a comparable increase in number of units sold. Median days on market for a house in the city of Berkeley for December 08 was 43 days compared to 31 days in December 09 and number of units sold have increased from 39 units in Dec 08 to 51 units in Dec 09. It is apparent that the $60,000 drop in home prices caused a ripple in the Berkeley housing market. The drop in prices was enough to cut median days on market by 26.86% and alternatively drove up sales 30.77% by attracting home buyers with lower prices. A similar trend as Berkeley can be seen when analyzing home data for neighboring cities Walnut Creek and Castro Valley. Walnut Creek ca homes for sale saw their median prices slashed by almost 20% but like Berkeley, that in turn caused a drop in median days on market (23.08%) and an increase in number of units sold (5.26%). Same for Castro Valley ca homes for sale drop in median home prices (8.01%) however a decrease in median days on market (46.08%) coupled with an increase in the number of units
A Wells Fargo financial professional recently helped to save a client from losing money in a scam targeting senior citizens. The 78-year old client thought that he won an overseas lottery. Instead, he became a victim of financial elder abuse via a typical lottery scam. The Wells Fargo professional prevented money from being sent offshore, however money from another bank was sent out. San Francisco financial elder abuse attorneys warn senior citizens that lottery scams are abundant. California elder abuse attorneys warn the public not to fall for lottery scams.
In this case, the senior citizen victim was contacted by unknown individuals claiming to be from the Costa Rican lottery. They told the senior citizen that he had won the lottery and that he could collect a $5 million payout. Then they told the senior citizen victim that there were some formalities and that they would need some personal information to verify his identity. Additionally, they told him that he needed to send money to pay off various taxes and fees associated with the money he had won. The senior citizen victim then went to one of his banks and transferred $88,000 to an offshore account. California financial elder abuse attorneys warn seniors not to transfer money overseas. San Francisco financial elder abuse attorneys say that sending money to offshore accounts is a very risky proposition.
Next, the senior citizen victim went to his Wells Fargo Bank and attempted to set up another transfer of $50,000 to an offshore account. This time the senior citizen got lucky. The Wells Fargo financial professional knew immediately that something was wrong and refused to go forward with the transfer. Since the senior citizen client was convinced that he was one transfer away from getting $5 million, there was an unpleasant exchange between the financial professional and the senior citizen. At that point, the financial advisor contacted the family of the senior and they helped convince him that it was a scam. The financial advisor helped prevent further financial elder abuse by refusing to transfer the money. San Francisco financial elder abuse
Chemical Dyes are mainly used for coloring purposes. Be it clothes or any other product, these are used to provide a colorful impact on the items. There are different types of dyes available in the market which is from branded companies. There are natural dyes as well which are considered safer than the ones made out of various chemicals.
Different Types of Dyes:
Different dyes are used for different purposes. Some are used for coloring hair where else there are others which are used for adding vibrant colors to apparels. Some important types of dyes are mentioned below:
* Acid dyes- These dyes are water soluble and are used for coloring fibers such as nylon, silk, wool and more.
* Basic dyes- These dyes are also stated as cationic dyes and are water soluble at the same time. Products made out of acrylic fibers use this type of dye for coloring purposes.
* Vat dyes- These are insoluble in water and thus cannot be used for directly dyeing the fibers.
* Food dyes- These can be stated as one of the most important dyes that are used at large proportions nowadays. These are used for coloring food items and are thus much safer when compared with other forms of dyes. Food dyes are again classified into three types: mordant, direct and vat. These are made using natural substances that are not harmful for health.
* Dyes for coloring hair- Dyeing hair to give it a colorful and new look is gaining more and more importance among the youngsters. Thus, those that are oxidation based and mainly used for this purpose.
* Leather dyes- To give plain leather a good look, these dyes are used which can last for a longer period of time.
* Fluorescent brighteners- This is use for coloring papers or textile fibers. It is also going to provide the user with a longer lasting effect.
* Solvent dyes- These type of dyes are used for various purposes such as producing coloring oils, lacquers, waxes, inks and more.
People want their money to work hard to deliver the best possible return on their stake. There are many ways that people can grow their money, from traditional savings and ISA accounts to more diverse investments such as commodities.
Current times are quite challenging in terms of what investments actually do provide a decent return on customers monies, and many people are turning to ethical investment opportunities.
What is an ethical investment?
An ethical (also known as Sustainable) investment is an investment that not only offers a good return on the clients money but also helps the planet. This is done by investing in commodities such as timber, where plantations are created and harvested over a designated period of time. These opportunities often come with social and environmental objectives. They can provide jobs to communities whilst creating sustainable fuels and forestry for years to come.
Why should you chose an ethical investment?
Investing money is all about getting a return at any cost. Ethical opportunities are different in that respect. Ultimately the end goal is getting a return on investment, but alongside this investment you know that the money is being put to good use in both a socially and environmentally responsible way. By choosing an ethical investment you can be sure that your money will be put to use in a way that will also help the environment both now and the foreseeable future.
What are the risk of ethical investments?
There are always risks in any investment and ethical opportunities are no different, however they do tend to often perform well under poor market conditions. It is important to note, however, that an ethical opportunity might have a higher risk profile than other investment opportunities where a companies activities are more mainstream.
What types of ethical investments are available?
There are many different types of sustainable opportunities available to people who are serious about socially responsible investments. These can range from Forestry and Farming to alternative energy sources and eco-housing.
Before you embark on any type of investment, be it ethical or not, you should always seek guidance and where possible have a look at