A Million Bucks In Scholarships ? That?s Not Me Kidding around!

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Source: http://www.legaldebthelponline.com/2012/06/26/a-million-bucks-in-scholarships-thats-not-me-kidding-around/

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Apple's Price Cut Is A Symptom Of What's Wrong At The Company

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Only four months after launching a new laptop with a high-resolution "retina" screen, Apple has chopped $200 off the price.

Apple's 13-inch "Retina" MacBook Pro will now sell for $1,499 instead of the $1,699 original price.

This is a small move, but it's symptomatic of the broader challenges that Apple (AAPL) is facing.

The most likely reason for a price-cut so soon after launch is that the product wasn't selling well at the original price. And with the 13-inch MacBook, this would not be a surprise: Reviewers were underwhelmed with the laptop when it was released, arguing that, at $1,699, it was not a good value. Based on the price cut, it appears that Apple laptop buyers agreed.

The price cut reveals that consumers won't rush to buy the latest greatest Apple product just because Apple made it. The price-value tradeoff has to be reasonable. And in the case of the MacBook Pro, it apparently wasn't.

This problem--the price-value tradeoff--has become an issue for Apple far beyond laptops.

As smartphones become a commodity, Apple's most important product line--the iPhone--is experiencing similar challenges. The explosive growth in the smartphone market in recent years has shifted to emerging markets, where price is a major factor in consumer decision-making. By not offering a cheap iPhone that is affordable for consumers in these markets--$100-$200 without a contract or subsidy--Apple has missed out on much of this growth.

Meanwhile, the competition at the high end of the smartphone market, where Apple once dominated the field, has become much more intense. And Apple's premium product--the iPhone 5--is no longer considered by some to be the best product on the market. Unless Apple can firmly re-establish the iPhone's superiority, which does not look likely to happen anytime soon, the company may face increasing pressure to improve the price-value proposition for this product, too. And that might be devastating for Apple's profit margin, which is currently extraordinarily high for a hardware company.

The same story is playing out in tablets. The price-value tradeoff of some recent tablet entrants has reduced Apple's dominance of this product category--a category that Apple invented and, a few years ago, had to itself. The price pressure in the tablet market, in which consumers can now get excellent tablets for much less than Apple is charging, will likely force Apple to continue to improve the price-value proposition of its iPads. And this, in turn, will also likely begin to eat into Apple's profit margin.

A few years ago, in phones and tablets, Apple was both the price leader and the product leader. Apple's products were better than the competition's, and they were cheaper.

Today, that is no longer the case.

And it probably means that Apple's extraordinary profit margin will continue to decline.

SEE ALSO: And Now For Some Good News... Apple's Stock Looks Cheap

Yahoo's Jeff Macke and I discuss this live here >

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How To Woo That Special Scientist On Valentine's Day

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Valentine's day is typically a hard time for many, namely those who object to the commercialised nature and emphasis on public displays of affection, those who are presently single but would rather not be and find the whole ethos of the day offensive, or some combination of the two.

But there is a simple solution to both of these problems: date a scientist.

Scientists are highly educated people with decent career prospects, but are also rarely associated with a fondness for romance and passion (or any other emotional state) so are likely to be apathetic towards Valentine's Day. Ergo, scientists are the ideal partners.

But how does one go about finding, courting and eventually establishing a solid relationship with an elusive and complex scientist?

It's not easy; they are not like other, more simple humans. But what follows is a brief guide for those wishing to make the attempt to woo a scientist.

Locating a scientist

Scientists can be hard to locate. They rarely frequent sporting events, popular music concerts, fairgrounds, organised cockfights or wherever it is non-scientists choose to congregate. A typical scientist is usually found in the laboratory.

Gaining access to a laboratory can be very difficult due to the various levels of security in place due to the presence of hazardous materials, tightly regulated conditions and general safety concerns. Access is regulated in both directions, as there is also the ever-present danger of a scientist sneaking out materials to construct a doomsday device.

Gaining access to a laboratory (how you achieve this is up to you) is usually sufficient to impress any scientists you find in there. Once you have gained entry, simply approach the scientist of your choice. However, please be sure to wear a lab coat.

Scientists are highly trained, and their minds have usually developed to the point where they are unable to perceive someone without a lab coat as an actual person, so will ignore anything such an individual says, much as one would ignore a pigeon cooing at a window.

There are instances where you will encounter a scientist outside of the laboratory environment. They may be giving a lecture, or possibly standing in an exotic location looking wistful. In both of these instances, engaging in conversation is impractical, given the context.

If you're lucky, you may encounter one in a pub or similar establishment. A scientist in a social context like this will rarely reveal their occupation, but they can be spotted if you look carefully.

For example, if you see someone who is clearly under the influence of alcohol but still using words of 5 syllables or more, then they're likely to be a scientist. Scientists are also trained to use the metric system, so look for anyone asking for litres instead of pints.

Scientists are also typically stood alone in a social environment, looking quite fearful. It's OK to approach them, but do so slowly and calmly, and if possible hold your hands out, palms open and facing upwards, to emphasise that you pose no threat.

Talking to a scientist

It is important to remember that scientists do not converse in a manner similar to non-scientists. When attempting to talk to a scientist, be sure you don't say anything that might be interpreted as a claim unless you are certain it has been peer-reviewed or subjected to rigorous statistical assessment.

This doesn't apply when discussing fictional constructs, where such review/assessment is impossible. If you are speaking to scientist, it is guaranteed that they will be a fan of Star Wars, Star Trek or Doctor Who. However, they will only be a fan of one of these, mentioning the wrong one will result in the conversation being immediately terminated.

Try to discern beforehand which one they are a fan of; there are some distinct signs to look for. For example, wearing a scarf = Doctor Who fan, carrying a Lightsaber = Star Wars fan, speaking Klingon = Star Trek fan.

If you do manage to strike up an initial dialogue with a scientist, it's important to keep things going. Should the conversation falter or hit a lull, try asking the question "How is your grant application going?" This is likely to result in a very long rant about the problems, frustrations and possible illegitimate birth origins of those involved with the grant approval process.

You won't really be needed to keep your end of the discussion going, so feel free to answer your text messages, order more drinks or fill in your tax return while it is happening.

At no point should you mention that you have read any of Dan Brown's novels.

Wooing a scientist

Once a connection has been established, this is the point where an attempt to woo the scientist should be made. It is important to tailor your romantic advances to suit the interests and mind-set of a scientist.

If you usually opt for chat-up lines, consider using the following.

"I am the result of millions of years of evolutionary refinement. If you reject me, you're essentially a creationist"

"You may want to find your ideal romantic partner, but this is statistically unlikely to happen, so you should embrace regression to the mean. And I can be mean".

"Laws of entropy mean that you're undergoing irreversible decay, so you should go out with me while you are still alive and have your looks".

You may rather opt for the traditional giving of romantic gifts, cards or gestures instead. This is fine, but do remember that scientists desire accuracy above all. For example, if you wish to give them a card adorned with hearts, make sure they're realistic hearts; atriums, ventricles, papillary muscles, all that. If illustrating your intentions with cherubic figures, make sure their wingspan is sufficient to allow a being of that size to achieve flight.

If you succeed

Please be aware that all of the above advice is satirical and definitely should not be followed. If any of the above tips work and you successfully woo your chosen individual, please be very careful; the individual you have engaged with is not a scientist but seemingly a collection of ridiculous stereotypes and antisocial behaviours in apparent human form.

If that's the sort of thing that you prefer in a romantic partner then that's fine, but proceed at your own risk.

Dean Burnett is always happy to dispense terrible relationship advice via Twitter @garwboy

This article originally appeared on guardian.co.uk

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TripAdvisor Is Ready To Post Another Quarter Of Strong Growth

Rising traffic and content growth on a global basis has helped the company perform well, despite macro-economic headwinds and high operating costs.

Source: http://www.forbes.com/sites/greatspeculations/2013/02/12/tripadvisor-is-ready-to-post-another-quarter-of-strong-growth/

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San Francisco Restaurant Ordered To Fork Over $525,000 In Back Pay To Employees

Employees at a restaurant in San Francisco were working up to 14 hours a day, six days a week for only $4/hour. But now, in the largest settlement of its kind in the city, the restaurant owners will pay out $525,000 in back wages and penalties.

The City Attorney’s office alleged that the restaurant owners took advantage of immigrant workers … [More]

Source: http://consumerist.com/2013/02/13/san-francisco-restaurant-ordered-to-fork-over-525000-in-back-pay-to-employees/

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3 Tips for Tackling the Tough Topic of Money

If talking about money is a fight waiting to happen for some couples, we can?t imagine how tough it might be to broach that same subject with your congregation. That?s because you?re not dealing with one individual?you?re facing tons of unique personalities and backgrounds. Talking about money is bound to excite all kinds of emotions.

It?s no wonder many pastors shy away from it altogether?an unfortunate conclusion.

You see, money has the potential to be our greatest blessing or our greatest curse. The church is looking to you for guidance. Just like talking to teens about sex or a loved one about a dangerous habit, your willingness to tackle the topic of money ultimately results in huge benefits for your congregation.

Of course, that doesn?t make it any easier. We?ve provided a few tips below to help you get started.

Acknowledge discomfort right away.

Have you ever sat through a meeting or family dinner where tensions are high but everyone acts like everything?s normal? Those are some uncomfortable moments! Often times, simply stating the obvious puts others at ease. The next time you?re bringing a message on money?whether it is through a sermon or during the offering?go ahead and say what?s on your congregation?s mind.

This might sound something like, ?Guys, I know money is a touchy subject. We all come at it from different backgrounds and viewpoints. The great thing is God has a lot to say about how we handle money. If we focus on what He says?instead of what our world thinks?we might be able to learn something new and grow in the process.?

Talk about yourself.

One of the reasons people hate hearing about money is because it?s so personal. As a pastor, your vulnerability in other areas of life no doubt encourages your church to open up their minds and hearts to what you teach. Money is no different.

So be brave. It might feel awkward at first, but push yourself to share your own story when it comes to money. Don?t worry, we?re not talking specifics. There?s no need for anyone to know how much your car cost or what you put in the offering plate last week. But you can be honest about your own struggles or successes with tithing and giving. Talk about the fact that your money is really God?s to begin with?that He owns it all. It?s this perspective from you that will help your church depersonalize the subject of money

Remember that money is only one part of a generous lifestyle.

Matthew 25:35?36 says, ?For I was hungry and you gave Me food; I was thirsty and you gave Me drink; I was a stranger and you took Me in; I was naked and you clothed Me; I was sick and you visited Me; I was in prison and you came to Me.?

When Jesus talks about what we can do for the least among us, He doesn?t just mention money. Isn?t that awesome? We are able to make a difference with what we have?time, treasure and talents. Encourage your congregation to pay their tithes, yes, and to give above the tithe once they are out of debt. But also remind them that generous giving doesn?t start and end with money. We give out of what we have.

As Dave teaches in Financial Peace University (FPU), it doesn?t matter if we sit in a corner office or clean a corner office?we?re called to manage our resources for God?s glory. Take a bold step today toward making the topic of money a welcome point of discussion in your church.

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Source: http://www.daveramsey.com/article/3-tips-for-tackling-the-tough-topic-of-money/lifeandmoney_church

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Fighting Unsecured Debt * The Top Methods Of Take Away A Person?s Unsecured Debt

When we finally contend with a aftereffects and then tension connected with pacificdebt.com|pacificdebt consolidation|pacificdebt|pacificdebt loansfinancial obligation, we’re feeling rather by itself and sometimes displaced. Really a lot more people contend with this approach exact predicament when compared with some of us discover, along with realism, we aren’t by itself in the least. You’re able to [...]

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Source: http://www.legaldebthelponline.com/2012/07/01/fighting-unsecured-debt-the-top-methods-of-take-away-a-persons-unsecured-debt/

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Apple Is Now Cheaper Than It Has Been in 12 Years

How To Get Cops? Attention: Steal A Krispy Kreme Truck Full Of Doughnuts

Stealing? Well, that’s wrong. And your odds of getting cops to chase you increase significantly if you choose to boost a truck full of glorious, glazed doughnutty goodness. A man in Georgia found that out pretty quickly after he allegedly made off with a Krispy Kreme truck that had been stopped at a gas station. And of course, a high-speed … [More]

Source: http://consumerist.com/2013/02/13/how-to-get-cops-attention-steal-a-krispy-kreme-truck-full-of-doughnuts/

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Scott Brown's First Post-Election Gig Will Come At Fox News

scott brown

Former U.S. Sen. Scott Brown (R-Mass.) has officially signed a contract to become a contributor with Fox News and will appear for the first time on the network on Hannity tonight.

Fox said that Brown would appear on "various" network programs during both the day and in primetime.

"Sen. Brown’s dedication to out-of-the box thinking on key issues makes him an important voice in the country and we are looking forward to his contributions across all Fox News platforms," said Bill Shine, executive vice president of programming, in a statement.

Brown lost his Senate seat in November to Democrat Elizabeth Warren. It was speculated that he would run for the Senate seat vacated by John Kerry's appointment to Secretary of State, but Brown decided earlier this month that he would not run.

There's also some speculation that Brown could explore a run for Massachusetts governor in 2014, but this move wouldn't seem to be a stepping stone for that platform.

"I am looking forward to commenting on the issues of the day and challenging our elected officials to put our country’s needs first instead of their own partisan interests," Brown said in a statement.

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