Things Should Be Aware Of With Regards To Debt Consolidation Reduction Lending Options

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Source: http://www.legaldebthelponline.com/2012/07/02/things-should-be-aware-of-with-regards-to-debt-consolidation-reduction-lending-options/

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The NFL's Most Infamous Replacement Ref Works At Bank Of America

Lance Easely replacement ref

Lance Easley, the replacement referee for Monday night's Seattle Seahawks/Green Bay Packers game, works as a full-time banker, American Banker reports

According to his LinkedIn profile, he's a vice president for small business banking for Bank of America in Santa Maria, Calif.  He also worked as a business banking specialist at Wells Fargo.  

In case you missed it, Easley was the one who said the ball was in Golden Tate's possession in the endzone during the final play of the game resulting in a Seahawks touchdown and subsequent win.

SEE: Here's Exactly Why The Call At The End Of The Seahawks-Packers Game Was Wrong >   

SEE ALSO: The Ref Who Called The Seahawks Touchdown Wasn't Even Ready To Be A Division I College Ref >

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Source: http://feedproxy.google.com/~r/businessinsider/~3/KcvVU_ZTmo4/replacement-ref-lance-easley-bofa-2012-9

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World's Largest Oil Trader Responds To Report That It's Trading With Iran

iran flag

Earlier today, Reuters reported that Vitol had been dealing with Iran even as the EU and the U.S. had imposed sanctions against the country.

Vitol, a Switzerland-based firm is the world's largest trader in oil.

Moments ago the Financial Times noted that Vitol published a statement on its website responding to the report.

Here it is:

Vitol statement concerning trade in Iranian crude oil and oil products

The Vitol Group confirmed today the following concerning trade in Iranian crude oil and oil products:

  1. The Vitol Group ceased all sales of refined product to Iran and all purchases of crude oil from Iran in advance of all applicable international sanctions legislation.
  2. A Bahraini subsidiary company purchased a spot cargo of fuel oil from a non Iranian counterparty in July 2012. The fuel oil delivered under contract was of Iranian origin. Vitol Group companies no longer purchase any product of Iranian origin.
  3. Trade with Iran never constituted a material part of Vitol's international business.
  4. The Vitol Group is in compliance with all applicable international laws and regulations governing trade with Iran.

 

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Wall Street Watch Wednesday: Electric Cars Take Another Blow

Telsa MotorsLast week it was Smith Electric Vehicles calling off its IPO. On Tuesday it was Tesla Motors (TSLA) lowering its near-term outlook.

Demand for Tesla's breakthrough Model S plug-in sedan remains strong, but the automaker just hasn't been able to make the cars fast enough to keep up. Problems with supplier delays and its own learning curve as it ramps up production have Tesla to forecast only $400 million to $440 million in revenue this year. Its earlier guidance called for between $560 million and $600 million in sales.

Making matters worse, Tesla also announced a secondary stock offering on Tuesday morning.

It's been hard for the first wave of automakers in the plug-in electric car revolution. Nissan Leaf sales are trending well below where they were last year. General Motors (GM) has seen sales of the Chevy Volt pick up, but the automaker giant still had to institute another production hiatus to make sure that dealer showrooms aren't overrun with unsold cars.

The recent spike in gas prices would seem to be the perfect catalyst to get drivers considering going electric -- or in the Volt's case, an electric car with a small gas-sipping engine to take over between charges -- but it's apparently not happening.

Tesla's problems seem to be production-related, but would the long waiting list of drivers with cash deposits on the Model S be long at all if Tesla were cranking out cars at a rate faster than the 77 a week it accomplished last week?

Other things worth watching

? It will be quiet on the earnings front in the morning, but a few companies will be active in after-hours trading by reporting fresh financials after Wednesday's market close. Worthington (WOR), Texas Industries (TXI), Progress Software (PRGS), and Landec (LNDC) will all report their latest quarterly results in the afternoon. Analysts see all but Progress Software posting year-over-year improvement on the bottom line.

? Activision Blizzard (ATVI) introduced Mists of Pandaria -- an expansion pack for its World of Warcraft online gaming franchise -- on Tuesday. The country's largest video game publisher will try to get back on track after seeing online players decline since peaking two years ago. Panda warriors may not be the ideal recipe for a rebound, but keep an eye out for any press releases from the company in the coming days to see how that debut is faring.

Longtime Motley Fool contributor Rick Munarriz does not own shares in any of the stocks in this article. The Motley Fool owns shares of Tesla Motors. Motley Fool newsletter services have recommended buying shares of Activision Blizzard, General Motors, Landec, and Tesla Motors. Motley Fool newsletter services have recommended creating a synthetic long position in Activision Blizzard.


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Source: http://www.dailyfinance.com/2012/09/26/wall-street-watch-wednesday-electric-cars-take-another-blow/

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BofA Makes The Case For $3,000 Gold (GLD)

Golden calf

Everyone loves gold these days. Deutsche Bank sees $2000 gold soon. And Citi says it could go to $2500 in six months.

BofA, too: the firm recently initiated a $2,400 target price for the shiny yellow metal since the Fed's announcement of open-ended bond buying.

However, BofA analyst Stephen Suttmeier thinks there's a case to be made that gold goes even higher than the bank's official call.

In a note to clients today, Suttmeier writes:

The secular bull case for Gold $3000

We remain secular bulls on gold. Key chart and uptrend supports between $1600 and $1400 have held and we have viewed $1550-1500 as a good area to buy gold. The breakout above the year-long downtrend line completes the correction within the longer-term uptrend and targets resistances at $1800 and $1925. But, the secular bull market for gold points to a stronger rally to $2050-2300 and up to $3000 longer-term. The top of the rising channel from mid 2005 is near $2375 and reaches the $3000 area by early 2014. Key channel supports are in the $1600 and $1400 areas and rise ~$25/month. The chart below shows the secular bull market for gold.

Here is the chart Suttmeier is looking at:

Gold futures – monthly semi-log chart

DEUTSCHE BANK: Here's how you know when gold prices are too high >

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Source: http://feedproxy.google.com/~r/businessinsider/~3/NxW8D8JW4l8/bofa-makes-the-secular-bull-case-for-3000-gold-2012-9

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Should You Consolidate Debt With 0% Balance Transfer Credit Card Offers?

Consolidation Loans For People with Bad Credit With the new CARD act, a lot of card companies started to change their business models which helped in making zero percent credit card balance transfers a very rare commodity according to the wall street journal. But there are still a few and when properly executed, they can [...]

The post Should You Consolidate Debt With 0% Balance Transfer Credit Card Offers? appeared first on legal debt help online.

Source: http://www.legaldebthelponline.com/2012/06/28/should-you-consolidate-debt-with-0-balance-transfer-credit-card-offers/

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After Wasting $5 Billion Dollars The Army Is Eyeing These New Camouflage Patterns

marines camoflage

Earlier this summer we wrote: "The U.S. Marine Corps has long been known for doing more with less; smaller, more agile, and quick to react, it actually employed that ability when hunting for new uniforms in 2002.

Check out the new camo >

Erik German at The Daily tells the story of the Marines and the Army's uniform selections, mentioning a conversation he had with a textile technologist that shows the Marines flexibility and the Army's cumbersome bureaucracy.

The Marines went to their sniper school at Quantico, Va., and told a couple of their guys to find a good camouflage color for the new uniform pattern. A group of snipers went to the local Home Depot and found the main base color in the Ralph Lauren section of the paint department. The color now called Coyote Brown went into the pattern of their very successful and well-loved MARPAT uniform pattern.

This was also around the time the Army was sending its troops to Iraq with uniforms and body armor in a variety of mismatched patterns that, in effect, left U.S. soldiers wearing a target for the enemy to fire upon.

Bedder explains that in response to this and the Marines new uniforms, the general in charge of Army uniform procurement told his staff to pick a color before trials were finished. 

Five billion dollars, eight years later, and the Army is now doing the whole thing again. Over the next 12 months 1.1 million soldiers will be replacing their uniforms for something called Multicam.

Hopefully this will work out better for troops, and won't have to be replaced again in a handful of years."

Now see what direction that new camo may take.

You just see the big picture and camo helps to confuse the eye

Except there's someone with a weapon.

Color schemes are chosen to mimic natural surroundings. 

It's best that colors are contrasted with dark and light shades so that the wearer blends into the natural reflections and shadows we're used to seeing.

Pixels disrupt what you see and break up straight lines that di not occur in nature

Digital patterns re-create shapes found in nature, known as fractals, which we see as mere background noise.

Pixels break up the fabric into a macropattern and a micropattern, so the design doesn't appear as a solid block. Even when picked up by infrared technology, the human form is broken up and its movements are masked.

3-D Layering tricks your brain by creating depth and shadows where there may be none and refusing to allow an image to form

We interpret gradients and layers of color as a textured surface with depth. In this case, the desert.

ADS explains that the brain is deceived into regarding the fabric as part of the natural environment, rather than a solid flat surface. 

See the rest of the story at Business Insider

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Source: http://feedproxy.google.com/~r/businessinsider/~3/iuflvJkSn64/after-wasting-5-billion-dollars-the-army-is-eyeing-these-brand-new-camoflauge-patterns-2012-9

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Domino's Now Serving Pan Pizza: Should Pizza Hut Be Worried?

Domino'sLet the deep-dish pizza wars begin.

Domino's (DPZ), seeking to grab a slice of Pizza Hut's (YUM) customer base, rolled out pan pizza at nearly 5,000 U.S. stores Monday.

Nonetheless, the nation's biggest pizza joint isn't fretting over the No. 2 player taking an oversized bite out of its business.

"We've been the world leader in pan pizza for 30 years," Kurt Kane, chief marketing officer of the quick-service-restaurant known for its thick-crusted pies, told USA Today. "I'm not terribly worried."

Maybe he should be, even if just a little.

Domino's has been outshining competitors Pizza Hut and Papa John's (PZZA) of late with upscale menu items like "artisan" pizzas such as a spinach-and-feta pie, and parmesan bread bites. Those menu additions have hit the spot with new customers while commanding higher prices, says Steve West, director and senior restaurant analyst with ITG Investment Research.

"Among the big three pizza players [Domino's, Papa John's and Pizza Hut,] Domino's stands out as being successful in passing higher prices on to consumers, primarily through new product innovation and upgrades and innovation," West said, in the report.

Indeed, Domino's is among the quick-service chains ranging from Burger King (BKW) to Starbucks (SBUX) that have been playing up what they call "premium" menu items in recent years.

Domino's started to turn a corner in 2010 when it reformulated its pizza recipe, publicly conceding that its signature hand-tossed pizza was in need of a taste makeover, Ron Paul, president and CEO of Technomic, a food-service consulting firm, tells DailyFinance.

Since then, "They've been doing quite well [as there's been] a focus on better product," Paul said, but also pointed out that Pizza Hut outperformed Domino's in the most recent quarter.

Domino's

A Tastier Slice, Uh ... Wedge?

For its part, Domino's now says it's taking pan pizza to new heights taste wise.

"There is a standard out there for pan pizza that we realized could be better," Patrick Doyle, Domino's Pizza president and chief executive officer, said in a statement.

"The reason most people buy a pan pizza is for the crust, and that key component should be fresh, never frozen."'

To that end, Domino's pan pizza will feature a crispy, golden crust with a buttery flavor ? "and most importantly, handmade from fresh, never-frozen dough," according to a press release.

Domino's expansion into the pan pizza business is well-timed as the country enters football season, when pizza consumption takes off, Paul notes.

Overall, "it's going to lead to more national acceptance and demand for pan dish pizza," he says.


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Source: http://www.dailyfinance.com/2012/09/25/dominos-now-serving-pan-pizza-should-pizza-hut-be-worried/

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Oh, What We Do For Love: Apple Repairs Have Cost American Consumers $6 Billion Since 2007

brokeasajokeI see people loving their iPhones, coddling them and stroking them and covering them with cutesy covers. But I also see my friends' shattered screens threatening to lodge shards of screen glass in their ears or complaining that they've dropped their iPhone in the toilet (again) and railing about the cost to fix or replace [...]

Source: http://consumerist.com/2012/09/oh-what-we-do-for-love-apple-repairs-cost-american-consumers-6-billion-since-2007.html

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