Comparing Granite and Marble Countertops: Which One particular Should You Choose?

Granite and marble are equally stones which suggests these are both equally durable, large, and incredibly challenging. Concurrently, due to the fact both equally these stones can really very last a life span, they're both equally pricey and incredibly tough to polish and install. Due to the fact they are the two stones, they may be naturally patterned, as a result, you could possibly get granite or surface encounters marble that is not very identical on the design and style in the catalog that you just ordered so it could be greatest to actually see the actual merchandise when choosing the type of layout and pattern you want rather of relying only on pictures. Equally are heat resistant and so they usually do not scorch when placed even that has a incredibly scorching material these as iron pots and pans.



However, granite is way more durable than marble and it really is additional resistant to scratches and major impacts when compared to marble. Simultaneously, granite is much more defiant to acids such as vinegar, lemon juice, and tomato juice, and also other things with superior amounts of acidity. To help you greater recognize the strengths of both equally stones, permit us acquire a nearer search as to how they were formed. Marble, and all its stone family - onyx, travertine, and limestone on the onset ended up sediments manufactured of shells, plant subject, animal skeletons, and silt which all settled at the bottom of bodies of drinking water and immediately after years of getting soaked in h2o, they solidify and develop into stones/ Marble’s major component is calcium and that's the reason why it's a tendency to react to acids this sort of as vinegar and other beverages that consist of citrus. Granite, alternatively, is made up of crystallized minerals shaped inside the earth’s mantle at superior temperature. The result is actually a hard, really resistant stone. Marble might be scratched and etched by acids since it is manufactured of calcium carbonate which can be a great deal like chalk however the only distinction is surface encounters marble is compressed and in the crystallized kind. Within the same way, marble has fewer designs, the truth is it can be more frequently offered in its white shade so stains and mars could stand out additional uncovered in marble. Granite has a additional complex pattern that may hide the stains superior. Regarding models even so, marble contains a finer, additional sophisticated seem than granite. The crystal formations in marble are far more satiny and finer in nature making it look additional magnificent. Granite has more substantial, pea-sized crystals that happen to be coarser to the eye.



In the long run, in relation to durability, the granite countertop could well be far more tough and much more resistant to stains and scratches though the appears are won by marble. Marble nonetheless is inexpensive than granite but it needs higher maintenance. So, all of it boils right down to that which you genuinely want being a countertop. Would you settle to get a countertop that is definitely extremely hard-wearing and even though not as very as the other 1, or would you trade elegance for longevity and energy?

Background Examine Resources Simple And Price Efficient

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Utilize the forums-don't be frightened to join in on discussion board discussions with other site members. Ask questions, reveal advice and construct your expert network com.Be an excellent listener-demonstrate a real interest in what the interviewer has to say. Attempt to not interrupt by interjecting a comment whilst a person else is speaking (even if you are afraid you may neglect the point you would prefer to produce).

The very best method to retain employees at your manufacturing plant.How you can keep employees at your manufacturing plant In terms of employing workers there are numerous suggestions and tricks which you are able to adhere to to hopefully employ probably the most efficient employees which you can locate.

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What can go incorrect will go incorrect, at the worst second. They might be as a result of human errors or oversight, incomplete or out-dated particulars, mistaken identity or identity theft and so forth. Whatever the situation is, we wouldn't be oblivious to the harm or victimization and might be well-prepared to face as much as problems if required. And when we do flip up some factor unfavorable but correct from the self-check, we obtain a opportunity to fix it ahead.

How to Develop a great Credit rating and History

Some are even searching at personal bankruptcy in their tough work to get rid of credit card debt. Bank card financial debt settlement could aid a borrower avoid that.

seven to ten Numerous years

Bankruptcy includes a very prolonged phrase negative impact around the buyer who uses it to obtain out of financial debt. But, lots of Us residents are going through personal bankruptcy. Personal bankruptcy can remain in your credit score report from seven to ten decades. That smudge on your credit history can make it fairly tough to obtain a residence, or perhaps a car, or even a job, within the future. There are other alternatives to personal bankruptcy for these with mind-boggling financial financial debt, free credit score or in any other case.

Credit card financial debt Settlement a Terrific Option to obtain rid of Credit score Card Bank card financial debt

One these sorts of option that exists is really a tactic recognized as financial debt settlement. What transpires is the fact that a debtor negotiates having a creditor to spend back a portion of the financial debt. Hunting in the option - missed payments, regular reminders and cellphone calls, personal bankruptcy - a creditor may possibly very properly be keen to go more than a decrease payback quantity or reduce month to month payments. Particularly with so lots of purchasers dealing with personal bankruptcy or the prospect of defaulting, most collectors are delighted to get some funds somewhat than none. Forestalling bankruptcy may be an exceptional successful condition for both equally you and your creditor.

Credit score score Card Financial debt Settlement Negotiation

Approaching a mortgage business, perhaps just one you've had to cope with within the previous rather than on the most amicable circumstances, may be intimidating. There is also a great deal of financial track document consciousness the normal purchaser just doesn't have. The typical shopper just does not possess a superior maintain on their rights and strengths.

Pennies on the Dollar toward Getting rid of Bank card Financial debt

Monetary debt settlement needs a check my credit score negotiator approaching every single lender and negotiate a pay-back selection. Generally, this total can be really important -- as much as 50% or perhaps a great deal much more with the authentic debt. So fairly a couple of people at current are around the brink of personal catastrophe, usually hunting to personal bankruptcy. Because of this, numerous creditors are relieved to be obtaining something around the bank card debt somewhat than subsequent to absolutely nothing. That will occur quickly have to a borrower declare bankruptcy.

Discovering a Negotiator

Credit card financial debt negotiators know how you can tactic loan companies along with other collectors. They have an in-depth know-how of monetary markets, economic developments, and also the fluctuation of curiosity charges and currencies. This information may be priceless when it arrive to negotiating a monetary financial debt settlement. Also, just after preliminary negotiations, the negotiator will be ready to provide you the conquer shopper as to their rights and option pertaining to the credit card debt.

Payment Due to

As soon as all the negotiations have taken region, and this could acquire weeks, specifically when you have a lot more than 1 or two creditors with whom you're making an attempt to eliminate credit card debt, the payments will probably be produced towards the negotiator and he or she will maintain track the circumstances they have negotiated are stored. The debtor will end up performing 1 particular cost-effective payment the second a month, to one specific place, at one interest rate.

Making Money Secrets

Investing legend Paul Merriman, shares the lessons learned and secrets discovered over more than 40 years as one of the world’s leading investment professionals.

John Nyaradi:

Hi, everyone, I’m John Nyaradi, publisher of Wall Street Sector Selector, a financial media site specializing in exchange traded funds and global financial and economic analysis. Today, I’m pleased to welcome our special guest, Paul Merriman. Paul, welcome to Wall Street Sector Selector.

Paul Merriman:

Thanks John, it’s great to be with you.

John Nyaradi:

Paul is one of the true giants of the investing and financial management business. He is founder of Merriman Incorporated, an investment advisory firm based in Seattle, Washington, that manages approximately $1.6 billion for thousands of families across the country.

Paul is a widely respected expert on mutual fund investing. He’s editor of the FundAdvice.com website and his podcast, “Sound Investing,” was named the best podcast in 2008 by Money Magazine. He’s author of a highly acclaimed book, “Live it Up Without Outliving Your Money: Getting the Most from Your Investments in Retirement,” by John Wiley and Sons and is widely quoted in major financial magazines and media.

Paul, let’s start out with your company’s motto, “Invest wisely and live fully.” I like that a lot. Can you give us a sense of what you mean by that, “Invest wisely and live fully?” How do you do that for people?

Paul Merriman:

My view of investing wisely is simply to do the smart, savvy things with our money to maximize our return without getting greedy. And I think one of the wisest things we can do is to invest within our risk limits. Investing wisely also means minimizing expenses and taxes. We believe in massive diversification. We believe that the more stocks you have in the portfolio, the better you will do, not the more average you will be.

The live fully aspect means that not only do you have enough money but that you are also able to enjoy it. Too many people have way more money than they need but find it difficult to enjoy it.

I just spoke with a client who’s down in Mexico. He’s been a client for over 20 years, and I know he’s got more money than he needs. He wants to buy a second house in Mexico. He must have talked to me five times about whether the purchase makes sense. And every time I spoke with him, his burning question was, “Now Paul, are you sure we have enough?” We convinced him, yes, he does have enough…and he’s making the offer, closing the deal, and that is what we think living fully is. Not just having enough, but feeling secure so you can spend it and enjoy it.

John Nyaradi:

That’s got to be a rewarding work especially in today’s environment after the post crash environment we’re in and the pain everybody went through.

Paul Merriman:

John, would you mind if I comment on what you just said?

John Nyaradi:

Please, go ahead.

Paul Merriman:

A lot of people complain about the emotional and financial pain of the 2007-2009 bear market. I think the problem was compounded by going through two big bear markets in 10 years, each of them about the same as the 73-74 decline. That much pain without an extended bull market in between is hard for people to digest and build confidence in the market. It has been one hell of a 10 year period.

John Nyaradi:

Yes, it really has been…you’re a unique animal, Paul, I think, because people tend to be either buy-and-hold people or market timing people, but you do both in your portfolios. I’ve read about what you call “the ultimate buy and hold strategy,” could you give us a little insight into that?

Paul Merriman:

Well, “the ultimate buy and hold strategy” is the title of one of my favorite articles to help people build a better buy and hold portfolio. The term “ultimate,” sounds like a big promise, but it simply means it’s the best I’ve been able to find.

As you know there are thousands of ways to build a portfolio using different asset classes. What we’re looking for are asset classes that have an absolute record of success, and a record of high units of return per unit of risk.

Now, obviously, I can’t know, nor do I try to predict, the future. But what I do have is 80 plus years of evidence that these asset classes have produced great returns. Sure, they don’t go up all the time, but not a one of them has ever failed. Not one has declared bankruptcy. Not one has ever experienced a permanent bear market.

John Nyaradi:

Right.

Paul Merriman:

All of these asset classes qualify as being survivors on a long term basis. So once we determine which asset classes qualify to be in the portfolio we have to decide how much we should invest in each one. I have tried to make that easy by giving people exact percentages in each asset class and funds that offer those asset classes.

John Nyaradi:

I think you said at one point that the choice of those assets is responsible for 95% of your return. How do you fine tune these allocations?

Paul Merriman:

For over 15 years we have recommended a very simple equity allocation. Half U.S., half international, half large, half small, half value and half growth. The equity part also includes REITS and emerging market asset classes.

Then it’s simply a matter of finding the right balance of fixed income to go along with exposure to the equity asset classes. I find most investors are unwilling to accept the risk of an all equity portfolio so we need to find the right balance of fixed income that produces the needed return within the risk limits of each investor. I am always looking for the combination that will produce peace of mind with a reasonable piece of the action.

John Nyaradi:

Sure.

Paul Merriman:

I’ve tried to help investors by building a tabIe of many combinations of fixed income and equity asset classes. The table is in, “Fine Tuning Your Asset Allocation,” at Fundadvice.com. And John, all my work comes with a guarantee. I guarantee if you follow my advice, you will lose money. That’s not the guarantee investors want to hear, but it’s the reality of any risk oriented investment.

John Nyaradi:

Sure.

Paul Merriman:

We should all know what level of risk we’re taking. And I don’t mean some generic risk that is indefinable. I’m looking for a number. The table covers over 40 years of data. It gives an investor a real time relationship between risk and return. If you’re willing to lose 5% to 50% of your money the table shows the likely return you will get over the long run.

John Nyaradi:

Could you talk a little about the market timing in your portfolios?

Paul Merriman:

To start with, I want to make sure that your audience understands that I’m not advocating timing over buy and hold. I know buy-and-hold is a lot easier emotionally. And it’s also a lot more tax efficient.

But there are a lot of people who will simply not accept the idea of holding equities without an exit strategy. Some advisors will tell investors, “You’ve got 50% of your money in bonds so why should you worry about stocks going down? They always come back.” And the investor’s response is, “Hey listen. This is my money, buddy, and I don’t want to sit and watch it decline without some way of protecting it.”

It’s really the catastrophic decline that most people are worried about, and so we use timing with almost the same view philosophically as we use for buy-and-hold. We market time funds in dozens of asset classes. We market time equity funds as well as bond funds. Each account is built to the same risk tolerance test as the buy and hold investors.

Most of the timing we do uses traditional trend following strategies. We never predict where the market is going, only follow the trends. A lot of timing critics think market timers are trying to predict the future. We believe there are trends and they stay in place one way or the other for long periods of time. Those trends can make you decent money on the upside but the most important work is protecting against some terrible losses on the downside.

John Nyaradi:

I hear the word “risk” over and over in our conversation. In your list of 18 mistakes people make, I thought it was really interesting that mistake number 3 is taking too much risk, and mistake number 4 is taking too little risk. That sounds like a conflict.

Paul Merriman:

Well, too much risk is normally a challenge for people who are over confident and think they have more control over their investments than they do. Also, people who take too much risk are not aware how much risk they need to take. If you found out that you could achieve all your financial goals with half as much risk as you’re taking right now, I’d have to challenge you to why are you taking all of that risk?

John Nyaradi:

Sure.

Paul Merriman:

For some the higher risk comes because the investor thinks their friend appears to doing better than they are. By the way, I’ve yet to find an honest amateur investor when it comes to reporting returns. And so we have to be so careful what our benchmark is and how we measure our success.

But then people can also be scared to death of almost any risk. I’ve met people with 10% of their portfolio in stocks, and when they’re down during a bad bear market, they jump to the conclusion that it’s happening to their whole portfolio.

I know it doesn’t sound reasonable to feel that way, but that’s the way a lot of peoples’ minds work. They hate losing money. The fascinating part is if we can just get those people to commit 20 or 30% of their money to stocks, they can literally double their return in retirement. Just a little bit of additional risk. They don’t have to go 50% or 60%. Just to get up to 20%, or 30% can make a huge, huge difference.

John Nyaradi:

Paul, we’re taking in July, 2011, and looking ahead over the next few months, what do you see is the biggest dangers for us as retail investors and the biggest opportunities?

Paul Merriman:

Well, it looks to me like the last 45 years. I have been a chicken for as long as I’ve been in the investment business. I call myself an aggressive chicken, but a chicken nonetheless.

But the fact is there’s always list A, the good news and there’s always list B, the bad news. Both of those lists exist at all times. I have always tended to look at the bad list and to be cautious, so I’ve probably been more defensive as an investor than I needed to be. But what I really worry about is not about me because I have found 100% peace of mind with my investments. I’ve saved enough that I can quit working anytime and have plenty of income in retirement. So that worry is behind me.

John Nyaradi:

Sure.

Paul Merriman:

But here’s what I worry about. I worry that people who have learned the right things, the smart things, the wise things about investing will somehow get spooked by the market and either jump to some ultra safe situation, and as you know, typically at the wrong time, they’ll be enticed into putting their money into something like a guaranteed equity index annuity or some other terrible security that will cost a fortune in fees and be difficult or expensive to liquidate.

John Nyaradi:

Well, folks, it has been a real honor today to have been talking with one of the real giants of the industry, Paul Merriman, founder of Merriman Incorporated in Seattle, Washington and editor of FundAdvice.com. To learn more about Paul and his work, just follow the link at the end of this interview, and that will take you to his website, Merriman.com.

Paul, thanks so much for joining us and we’re all looking forward to talking with you again soon.

Paul Merriman:

Thank you, John, very, very much.

Visit Merriman Incorporated.

 

(This interview edited for length and clarity)

While some NBA players are looking to gain employment overseas during the lockout, Dwyane has an offer to stay home and work the drive-thru window at KFC.

The offer: one day of work at a local KFC in exchange for a donation in Wade’s name to KFC’s Colonel’s Scholars scholarship fund.

The donation will total $250,000, according to CBS Sports.

On June 30, Wade tweeted, “Any1 hiring?” And, “I’m available for all bar and bat mitzvah and weddings..but my specialty is balloon animals.”

KFC responded with an open letter from its GM:

Dear Dwyane Wade,

We couldn’t help but notice your recent tweet about looking for a new line of work in light of the lockout. We’re always looking for folks with precisely your qualifications — initiative, teamwork and the ability to make buckets in a hurry.

We’ve always been proud to call you a former KFC employee and, it goes without saying we’d love to have you back on our team dishing out the World’s Best Chicken, like you dish out assists on the court.

Our offer: Come serve as an honorary captain at a local KFC drive-thru window. And, while we can’t match your most recent salary, we’ll honor your KFC service by making a donation in your name to Colonel’s Scholars, a charity providing young people with much needed college scholarships, if you accept. How’s that for a slam dunk?

So let us know if you’re ready to suit up for our squad (as you’ll remember, we’ve got some pretty cool uniforms). Our original coach, the legendary Colonel Sanders, knew a thing or two about buckets. And who knows, if you make a KFC-team comeback, we might just share some of his secrets with you.
We’ll keep your headset waiting.

Sincerely,
John Cywinski
General Manager, KFC U.S.

Source: CBS Sports

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Ways of Making Money

Carlos Pena looks like he's 30 again.  He's only 33, but still.

Pena’s two run homer Wednesday night gave him a team leading 18 for the season. Thirty five HR and 90 RBI are a realistic possibility for the first-year Cub.  Stats you would expect out of a player making $10 million.

It only makes sense for the Cubs to trade Pena before this season’s trade deadline.  The team is going nowhere this year, and Pena’s hot hitting isn’t nearly enough to settle one’s stomach when watching whatever social security-eligible starting pitcher the Cubs choose to hand the ball to.

Pena certainly will draw interest from offensively challenged teams.  Pena’s power and ability to drive in runs are certainly attractive, and although his .225 batting average is ugly, he still sports a respectable .343 OBP.  The left-hander’s playoff statistics are even better.  In 19 career playoff games he's hit .269 with 4 HR and 14 RBI.  Pena also comes with no baggage and is widely considered throughout baseball to be a great teammate.

Perhaps the Giants would be interested, and could creatively move Aubrey Huff to another spot on the diamond as they have in the past.  A typical deadline trading partner of the Cubs, the Pirates would potentially be interested in buying hitting, barring a collapse before the deadline.  Pittsburgh has certainly helped the Cubs out with trades in recent years, and Chicago could return the favor by giving them an upgrade over Lyle Overbay. 

Pena’s defense is so good that if he were traded to an American League team, it could be to play first base, and a team’s current first baseman could move to DH.  Odds are that if Pena is traded, it would be in the National League, but the option of going back to the AL remains a possibility.

eBay owned PayPal has been making some interesting acquisitions over the past few months that clearly show the direction of the company in capturing payments flow from digital goods, and physical products at a local level. The company bought local payments and advertising company Where for over $100 million in April, snapped up mobile payments company Fig Card and most recently shelled out $240 million for mobile payments company Zong. The payments giant is clearly serious about mobile and local payments and is buying its way into commanding the space. In terms of future strategy, PayPal believes that by 2015 digital currency will be accepted everywhere in the U.S., from local businesses to large chains.

Of course, this ambitious goal is easier said than done. Considering that PayPal is a digital product and doesn’t have built in reach to local businesses with point of sale systems, scaling to the local level is going to take a significant amount of work. We were able to chat with Sam Shrauger, VP of global product and strategy for PayPal about the company’s future strategy to dominate the ‘digital wallet.’

Shrauger tells us that PayPal’s plan is less about making the wallet digital and more about letting people take advantage of technology to use money better. As for making this a reality, Shrauger says that letting people use PayPal in the physical world is critical for the payments technology.

He explains that innovating in the payments space in the physical world is about giving customers mor options to pay, as opposed to offering a single technology. PayPal wants to add more ways your money can work for you, beyond just the payment itself. As for what that means, Shrauger declined the reveal the company’s plans but did say that PayPal would be launching new products later this year dealing with this issue.

There are two advantates PayPal has in its favor. First, the company now has over 100 million active users, which is impressive. And second, the company’s userbase is increasingly using mobile devices to pay for products. PayPal recently announced that it was upping the estimates of the amount of mobile payments transactions using the technology this year; doubling the estimate to $3 billion in mobile total payments volume (TPV) in 2011.

Payments in the physical world is going to be a big step for PayPal and I’m very curious how the company is planning to use its technology in this expansion. For Google, NFC and mobile phones are part of the gateway for payments in local, with the launch of Google Wallet. For Square, small businesses popularity and ease of use have been helping the mobile payments startup grow like crazy.

It’s not the first time I’ve pointed out that PayPal has an ambitious plan on its hands by becoming the digital wallet. And it should be interesting to see what killer technology the company has up its sleeve later this year.

Check out this video below in which PayPal President Scott Thompson challenges his employees to use only digital currency to pay for all of their purchases.

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More bad poll <b>news</b> for Obama as debt deal brings smiles to Capitol <b>...</b>

Large increase in number of Americans who see Obama as &#39;too confrontational.&#39;

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He replaces Tom Mockridge who left the Italian pay TV service last month to become CEO of News Corp.'s U.K. newspaper group News International.

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Local <b>News</b> Reporter Shot with BB Gun During Live Segment

Leanne Suter, a reporter for KABC in Los Angeles, was shot in the hand with a BB gun yesterday while doing a segment on weather. We can't find video of the incident itself, but apparently Leanne is such a bad-ass that ...

Local <b>News</b> Reporter Shot with BB Gun During Live Segment