How Debt Consolidation Will Help You Today

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If you are having a challenging time coping with many different credit cards or have very high interest rates on credit cards or financial loans, give some thought to a debt consolidation loan. Debt consolidation loans have lots of pros, but if you do not adhere to a specific program, consolidating your debt can actually elevate your debt and put you in a more frustrating financial problem. There are numerous forms of debt consolidation loans that may be available to you.

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Incredible Pictures Of HURRICANE IRENE Ripping Up The East Coast


hurricane irene

Around one million have lost power and at least eight have died as Hurricane Irene moves up the East Coast.

Right now New York City is strangely empty after 375,000 were evacuated and most people buckle down at home. The storm is supposed to hit here late Saturday or early Sunday.

If you have pictures to share of this historic hurricane, please send them to GLubin@businessinsider.com.

Abandoned beach front houses are surrounded by rising water as the effects of Hurricane Irene are felt in Nags Head, N.C.

Abandoned beach front houses are surrounded by rising water as the effects of Hurricane Irene are felt in Nags Head, N.C., Saturday, Aug. 27, 2011 (AP Photo/Gerry Broome)

An outdoor advertising sign and several mobile homes were damaged by winds in New Bern, N.C.

An outdoor advertising sign and several mobile homes were damaged by winds in New Bern, N.C. on Saturday, Aug. 27, 2011 as Hurricane Irene hits the North Carolina coast. (AP Photo/Chuck Burton)

Jarod Wilton looks at the flood waters rising to his doorstep in Alliance, N.C

Jarod Wilton looks at the flood waters rising to his doorstep, Saturday, Aug. 27, 2011, in Alliance, N.C., as Hurricane Irene hits the North Carolina coast. (AP Photo/Chuck Burton)

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NASA Just Posted This Frightening Satellite Photo Of Irene Hitting Land

Facebook Now Has Bigger, Faster Photos


Former HotPotato founder and now Facebook employee Justin Shaffer wrote about Facebook's improved photo experience yesterday.

Photos are now shown on a clean white background (it was black).  Uploaded images are bigger (720 pixels to 960 pixels, they load twice as fast, and they are shown in a higher resolution.

More than 250 million photos have been uploaded to Facebook.  Here's what the new photo experience looks like:

facebook photos

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Facebook Now Has Bigger, Faster Photos


Former HotPotato founder and now Facebook employee Justin Shaffer wrote about Facebook's improved photo experience yesterday.

Photos are now shown on a clean white background (it was black).  Uploaded images are bigger (720 pixels to 960 pixels, they load twice as fast, and they are shown in a higher resolution.

More than 250 million photos have been uploaded to Facebook.  Here's what the new photo experience looks like:

facebook photos

Please follow SAI on Twitter and Facebook.

Join the conversation about this story »

See Also:

Source: http://feedproxy.google.com/~r/businessinsider/~3/j90qpwCHMqs/facebook-now-has-bigger-faster-photos-2011-8

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10 Tips To Becoming Debt Clear

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Being in debt can be frustrating as well as detrimental to your health. Millions of people around the world are currently trying to find ways to become debt clear. If you are one of those millions, then these 10 tips to becoming debt clear are for you.

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This Just In: Upgrades and Downgrades

At The Motley Fool, we poke plenty of fun at Wall Street analysts and their endless cycle of upgrades, downgrades, and "initiating coverage at neutral." While the pinstripe-and-wingtip crowd is entitled to its opinions, we've got some pretty sharp stock pickers down here on Main Street, too. (And we're not always impressed with how Wall Street does its job.)

Given that, perhaps we shouldn't be giving virtual ink to "news" of analyst upgrades and downgrades. And we wouldn't -- if that were all we were doing. Fortunately, in "This Just In," we don't simply tell you what the analysts said. We also show you whether they know what they're talking about. To help, we've enlisted Motley Fool CAPS, our tool for rating stocks and analysts alike. With CAPS, we track the long-term performance of Wall Street's best and brightest -- and its worst and sorriest, too.

Beware the downgrade at 3-D Systems
Shares of Motley Fool Pro recommendation 3-D Systems (NYSE: DDD  ) were flying Friday, up 4% -- but according to Yahoo! Finance at least, there was absolutely no news to explain why. Actually, though, if you listen real careful ... you just might hear a whisper of what happened. Turns out, 3-D Systems dodged a bullet yesterday. It didn't get downgraded by Barclays Capital.

But only by the skin of its teeth.

Friday morning, according to the ratings aggregators at Briefing.com, 3-D came this close to losing its coveted buy rating at the All-Star-ranked analyst. At the last moment, it seems, Barclays decided to halt the guillotine, and only cut its price target on the stock. But it did so significantly, and now predicts 3-D will not in fact hit $23 within a year after all, but only $19 -- a 17% cut to price target.

So what?
Think that's not such bad news? Well consider: At Friday's price, Barclays's new price target suggests there's only about 12% upside left in this stock -- as opposed to the 35% profit that the banker previously predicted. The really bad news, though, is that Barclays just might be right about 3-D's potential -- or even worse, even after the target price cut, this banker might still be too optimistic.

Consider: Within the community of machinery analysts, Barclays' star shines brightly. According to our research on CAPS, the majority of this analyst's recommendations in the industry "work out." (Which is bad news for Joy Global (Nasdaq: JOYG  ) shareholders, too, because at the same time Barclays was cutting estimates on 3-D, it also shaved a couple bucks off its target for Joy.) Over the course of the three years we've been tracking its performance, Barclays has been right about Joy, right about fellow machinist Cummins (NYSE: CMI  ) , and very right about Chart Industries (Nasdaq: GTLS  ) , for example:

Add it all up, and over just three years of stockpicking, Barclays has racked up an astounding 1,250-percentage point lead over the S&P 500's performance in this single industry alone. And now, this ace machinery-stockpicker is taking a dimmer view of 3-D.

Too far, too fast?
What dimmed Barclays's optimistic view of 3-D? It's hard to say for sure, as none of the major media outlets seem to have keyed into this story yet. Perhaps, it's a simple matter of "rearview mirroring." After all, 3-D shares have tumbled $10 in value from their July highs near $27 a stub. A stumble like that is enough to shake anyone's confidence ...

Or perhaps it's the recent troubles at Hewlett-Packard (NYSE: HPQ  ) . As investors in the 3-D printing field know, Hewlett has been an ally of 3-D rival Stratasys (Nasdaq: SSYS  ) and an advocate for the whole idea of printing physical objects with your PC as an alternative to manufacturing them. But now, it seems HP intends to exit the PC realm entirely. That's potentially devastating news for Stratasys, which had counted on HP to help drive 500% sales growth of its printers over the next few years. If HP spins off its PC division, there's no guarantee it will keep the associated printer division -- or keep any interest in 3-D printing.

Foolish final thought
HP's exit could of course also have knock-on effects on 3-D, which loses a major industry advocate for the tech. But if that's the concern here, I think it's overblown. To me, there are at least two good reasons for 3-D shareholders to ignore Barclays's target price dip today. First and foremost, if HP's exit from PCs dings 3-D's business, it would likely savage Stratasys. The result would be 3-D getting to compete with a much-weakened rival -- and that would be good news for 3-D investors.

The second reason has to do with the same stock sell-off that may have spooked Barclays. Thanks to its plummeting stock price, 3-D now sports a market cap barely 24 times the size of its trailing earnings. Analysts on average, though, still expect 3-D to grow these earnings at 25% per year for the next five years. To me, that looks like a bargain price -- and if anything, a reason to raise price targets on the stock, not lower them.

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Source: http://www.fool.com/investing/general/2011/08/27/this-just-in-upgrades-and-downgrades.aspx

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5 Steps to Stay on Track With Your Goals

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No more long days on patrol. It's finally time to relax and enjoy life. I chose a career that would give me a secure retirement; that of a police officer.

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