Sunday, February 24, 2013

Caliber Funding Mortgage - The future of Residential Lending Or a Wolf in Sheep's Clothing

Caliber Funding Mortgage - The future of Residential Lending Or a Wolf in Sheep's Clothing



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We've all been affected in one way or the other by the whole mortgage mess (or for many of us, we've been affected in many, many ways). For the most part, I think it's safe to say that most of the effects the average someone has felt from the mortgage meltdown over the past few years has been nothing short of devastating. The whole world is still reeling from the catastrophic financial implosion caused by irresponsible lenders who were more than ready to make a loan to just about whatever who could fog a mirror, so long as they got their commissions.

And did they ever get their commissions! To the tune of billions and billions of dollars that went straight through the mortgage commerce in the way of fees, commissions and bonuses. In the meantime, a huge chunk of the normal collective has found themselves forced into foreclosure and homeless. Not a pretty photo at all, and certainly not one to be proud of or that whatever should want to repeat. It's no wonder that there has been such a strong push for mortgage reform advent from all angles.

Thankfully, many of the lenders who robbed Peter to pay Paul (while taking a very kind slice off the top in the process, thank you very much), have gone belly up. They weren't too big to fail, apparently, and so they are no longer around. What we have now are many of the top names in the banking world who are clearly no fly-by-night operations. Lenders such as Bank of America, Wells Fargo and Chase, to name a few (actually, there certainly aren't a whole lot more to name anymore anyway!)

However, between these monster banks and the ever decreasing estimate of mortgage brokers who remain (one has to fantasize their days are numbered), we are beginning to find a few new names popping up here and their to fill the gaps as mortgage bankers (somewhere between a bank and a broker).

In theory, this is a good thing. After all, you don't want just 2 or 3 fellowships controlling all the mortgage lending in the country, right? On the other hand, one has to wonder who these "new" names are, and are they new faces too, or just the same old wolf in sheep's clothing?

One of the new names that you might not have heard about yet is Caliber Funding Mortgage. They promise to be the next great thing in the residential mortgage world, being backed by a multi-billion dollar fund out of Texas. They claim to have the latest and greatest technology to make the process smooth, quick and easy. Sounds pretty good, right? But who exactly is production these claims?

If you look into who is behind the operations at Caliber Funding, you might be surprised. (Then again, maybe you Wont be surprised...)

Running the enterprise is William "Bill" Fruit. Prior to becoming President of Caliber Funding, Llc, Bill was Managing Director of Finance for Countrywide Home Loans, and prior to that, Svp - department Finance Officer at Washington Mutual (ie: WaMu).

Greg Sayegh is the Director of National yield at Caliber Funding today. Previously he worked as Evp at Countywide Home Loans and before that he had the title of Svp, retail Loan yield at... (can you guess?)... Washington Mutual.

Linwood "Lenny" McNeill, is currently in charge of growing yield for Caliber Funding, Llc on the West coast. Can you guess his two prior employers? If you guessed Countrywide and WaMu, you win a cookie!

Now, one might look at all this feel and think, "Wow! This relatively new, unknown enterprise called Caliber Funding, Llc has all this experience. They must know what they're doing!" And that is certainly one way to look at it. However, there is another.

According to an April 16th, 2010 record on Cnn.com, WaMu's executive management's feel might not be what you're finding for. "The demise of Washington Mutual, the biggest bank failure in U.S. History, was due largely to a high-risk lending strategy pursued by the company's management, agreeing to a government record released Friday. "

I perceive that finding in the rear view mirror is no way to move forward in this life, but nonetheless, when it comes to my home, my future, and the time to come of those I care about, I always think it's wise to know exactly who I'm dealing with, and what kind of track record they bring along with them. Either Caliber Funding Mortgage is the new deal in a new era of mortgage lending, or just the same old wolf in new sheep's clothing has yet to be determined. Stay tuned.


Caliber Funding Mortgage - The future of Residential Lending Or a Wolf in Sheep's Clothing


The Wolves



The Wolves

Caliber Funding Mortgage - The future of Residential Lending Or a Wolf in Sheep's Clothing



Caliber Funding Mortgage - The future of Residential Lending Or a Wolf in Sheep's Clothing
Caliber Funding Mortgage - The future of Residential Lending Or a Wolf in Sheep's Clothing

The Wolves

Tuesday, February 19, 2013

Hollywood, Aliens, And A Christmas Story - contemporary Pop Culture Images Of Hungarians in the Us

Hollywood, Aliens, And A Christmas Story - contemporary Pop Culture Images Of Hungarians in the Us



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“They’re heeeeerrrrreeeeee…”: Alien-(n)ation.

One of the most enduring and enthralling images of Hungarians while the second half of the 20th century is the idea of Hungarians as aliens or Martians. Much of this is tongue-in-cheek, is not intended to be pejorative, and has been exploited to good succeed and with great enjoyment by Hungarians themselves - to the point of their likely having been behind its origination. There are complicated overlapping/competing descriptions of how all this started. Consensus suggests that it came out of the circles of émigré nuclear scientists, physicists, and mathematicians who came to the Us while 1930s and 1940s, many of whom were collocated at Los Alamos, New Mexico for the Manhattan Project.

As George Marx, a Hungarian professor of atomic physics in Budapest, asks in his highly enthralling chapter entitled “The Martians’ foresight of the Future,” how is it that there were groups of Austrians, Germans, and Italians complex in these scientific breakthroughs and yet it was Hungarians alone who seemed to gain the moniker and connection of “alien?” Marx appears to prefer the list agreeing to which one day the Italian Enrico Fermi was speculating about the universe and the possibility of life on other planets, and Leo Szilard, a Hungarian, ventured an retort to Fermi’s question:

“And so,” Fermi came to his breathtaking question, “if all this has been happening, they should have arrived here by now, so where are they?” It was Leo Szilard, a man with an impish sense of humor, who supplied the exquisite reply to Fermi's rhetoric: “They are among us,” he said, “but they call themselves Hungarians.” (according to Marx, this is Francis Crick’s version of the myth)

Marx elaborates on the “birth to a legend”:

The myth of the Martian origin of the Hungarian scientists who entered world history on American soil while World War Ii probably originated in Los Alamos. Leon Lederman, director of the Fermilab, reported possible secret intentions. The output of scientists and mathematicians in the early 20th century was so prolific that many otherwise calm observers believe Budapest was settled by Martians in a plan to infiltrate and take over the planet Earth…According to myth, at a top secret meeting of the Manhattan Project, normal Groves left for the gents' room. Szilard then said: “Perhaps we may now continue in Hungarian!” Hungarian émigrés enjoyed speaking their mother tongue whenever a opening offered itself. This has made them look suspicious. Los Alamos was a place of top security. normal Groves was annoyed that Neumann and Wigner had frequent telephone conversations in Hungarian. [Teller, talk in Budapest 1991.] The “thick Hungarian accent” was often heard even in the corridors of the Pentagon. (The Lugosi accent made the alien power of Dracula, the count from the faraway Transylvania even more realistic.)

Marx recounts the details of the advent of the Martians-cum-Hungarians on planet Earth:

--Gabor, von Kármán, Kemeny, von Neumann, Szilard, Teller, and Wigner were born in the same quarter of Budapest [author’s note—most were Jewish…it is enthralling to note that some anti-Semitic Hungarian nationalists at the same time assiduously consist of these names in lists of preeminent Hungarians]. No wonder the scientists in Los Alamos acceptable the idea that well over one thousand years ago a Martian spaceship crashlanded somewhere in the town of Europe. There are three firm proofs of the extraterrestrial origins of the Hungarians: they like to gallivant about (like gypsies radiating out from the same region). They speak an exceptionally easy and logical language which has not the slightest connection with the language of their neighbors. And they are so much smarter than the terrestrials. (In a limited Martian accent John G. Kemeny added an explanation, namely, that it is so much easier to learn reading and writing in Hungarian than in English or French, that Hungarian kids have much more time left to study mathematics.) [quoted by Marx from “Yankee” Magazine (?) 1980] ([http://www.mek.iif.hu/kiallit/tudtor/tudos1/martians.html])

Finally, in a somewhat more serious vein, the alien connotation has been explained in analytical terms as follows:

If we understand SteeDee's ideas correctly, the first Hungarians-
are-aliens story arose from some minor human incident. The
Hungarians may have stood out from the rest of the staff at Los
Alamos, possibly by maintaining their own cliques and speaking
their own indecipherable tongue, and this made the English
speakers uncomfortable. The Hungarians were like aliens to the
rest, and since there were many reports of "flying saucers" in the
popular press in the 50s and late 40s, the "Martian" label was a
convenient way to sublimate the group tensions. To be called
extraterrestrials, in a jocular, rib-poking way, might have helped
reduce this group conflict both inside and face the Hungarian
group. If there was a question with communication, the recurring
alien joke would furnish a means to make light of it, thereby
expressing frustrations that could not otherwise be spoken. (http://www.ufomind.com/area51/desertrat/1995/dr29/ )

According to Marx, “as a matter of fact, these suspicious Hungarians—Theodore von Kármán, John von Neumann, Leo Szilard—enjoyed the myth. Edward Teller became especially happy of his E.T. Initials, but he complained about indiscretion, ‘Von Kármán must have been talking’.”

From Teller to Talleah…Zsa Zsa and Her Sisters

This brings us from Teller to Talleah, the discrepancy being that Teller was a real Hungarian scientist who pretended to play the part of an alien…whereas Talleah is the name of an alien from the 1958 King of the B Sci-fi Movies, “Queen of Outer Space”…starring none other than possibly the most customary Hungarian among Americans, Zsa Zsa Gabor, who plays the role of an alien scientist! [More about this hysterical film and its hysterical reviews below.]

Of course, June 1989 put Hungarians on the map for many Americans. The reburial of Imre Nagy, the huge crowds, the solemn ceremony before hundreds of thousands and a live television audience, a landmark event in the history of Hungary…No, that was 16 June 1989…I am referring here to 14 June 1989, the day Zsa Zsa slapped a Beverly Hills police officer, an incident that immediately became fodder for every late night comedian and even two years later was the field of a spoof starring the actress in the satirical film series, the Naked Gun. Such is the fate of Hungary and Hungarians in the United States.

There were positively three Gabor sisters: Zsa Zsa, Eva, and Magda. I am not sure either to say marriage or separation ran in the family. The three sisters had more marriages than they did prominent movie roles. To borrow a page from Dave Barry in other context (Dave Barry Slept Here, Random House 1989, p. 101), here are the final tallies of the three sisters in Marriages:

Final (?) Gabor Sister Marriage Standings

Zsa Zsa 9* *** ****

Magda 6**

Eva 5

*It is difficult to know how exactly to theorize Zsa Zsa’s total whole of husbands…since as she once responded: “How many husbands have I had? You mean apart from my own?”

**These numbers may be affected by the fact that both Zsa Zsa and Magda were married to the English actor George Sanders, if sixteen years apart. Not to make too much light of things, but Sanders eventually committed suicide. He played the part of Mr. Frost in the Batman television series, that Zsa Zsa made guest appearances on (see below).

***It seemed only fitting in early 2007 surrounding the macabre and absurd Anna Nicole Smith custody fight that Zsa Zsa’s most modern husband—Prinz von Anhalt—claimed that he had a ten year affair with Anna Nicole and was the father of her orphaned child. (Supposedly, Zsa Zsa was angered and hurt by this admission, but can one thoroughly discount the possibility that it was yet other effort for Zsa Zsa to get back in the limelight, and after all, hadn’t Anna Nicole Smith been preeminent for being famous.)

****It may surprise practically no one in a inevitable sense, but Zsa Zsa’s daughter by Conrad Hilton (the only child of all three Gabor sisters) is grand-aunt to Paris and Nicole Hilton.

Zsa Zsa claims that she won the 1936 Hungarian attractiveness pageant (according to one Hungarian source, Sandor Incze who discovered Zsa Zsa, invented the idea of the attractiveness pageant…don’t think so), although her mother Jolie (“pretty” in French), married only twice, and fond of “new math” long before we knew it was new—like her daughters she seemed genetically incapable of telling her true age; if she was telling the truth her first daughter, Magda, would have been born when Jolie was thirteen!—claimed it was she (the mother) and not Zsa Zsa who had won the attractiveness pageant. (To use the preeminent Casey Stengel line “You can look it up!”…these things should be verifiable, although I will leave that to others to investigate since it is beyond the intended scope of this paper.)

The “Queen of Outer Space” or “Damn it, Jim, I’m a previous Hungarian attractiveness Queen, Not a(n Alien) Scientist”

Zsa Zsa’s film vocation is summarized by the online film critic “Jabootu” as follows:

Unfortunately, Ms. Gabor’s Hollywood vocation proved much less epic [than her married life or run-ins with the law]. In John Huston’s 1952 Moulin Rouge, Zsa Zsa played, in a bold move, a Euro-sexpot opposite Jose Ferrer’s Toulouse-Lautrec. The following year she appeared in a supporting role in the musical Lili, which co-starred the unrelated but similarly monikered Mel Ferrer. From there, though, it was all downhill. Her few starring roles included playing twins (!!) in the hilarious-sounding espionage meller Girl in the Kremlin. In case you’re wondering, one of the twins [is] Stalin’s mistress (!!), the other a spy working against the Soviets. Zsa Zsa also had a bit part in Orson Welles’ Touch of Evil. (http://www.jabootu.com/queen.htm)

But possibly “Jabootu” is being too hasty and superficial in judging Ms. Gabor’s career. Maybe we have underestimated Zsa Zsa’s roles in movie and television. For example, Zsa Zsa has recounted how she liked playing the role of “spy” when she guest-starred on the Batman serial as Minerva, a attractiveness parlor owner, whose hairdryers could read the minds of (male) clients. Was the chapter possibly a skillful allegory about how the totalitarian state uses the most banal and subversive means to pry into the lives of its citizens? (Was the “mullet” a communist plot to make Americans look stupid? Tune in next time, same Battime, same Batchannel…)

Evidence for such a, more enlightened, revisionist view comes from the 1958 movie “Queen of Outer Space,” in which Zsa Zsa plays Talleah, an alien scientist, who leads the women of Venus against the sadistic, disfigured Queen Yllana, thereby salvage a flight crew of men from Earth whom Yllana has cruelly imprisoned. I argue here that this film only appears to be a sexist, cheesy, and moronic vehicle for profit, when in fact that is part of its subterfuge and inner-brilliance. The movie is, in fact, a subtle and sophisticated allegory of communist Hungary and the outbreak and crushing of the 1956 Hungarian uprising. Let us take other look at this film—although, unfortunately, we are forced to rely on the flippant and sometimes juvenile comments of “Jabootu” for a seminar of the plot.

In this first extended excerpt, we find Zsa Zsa’s Talleah (symbolizing the Hungarian resistance) being informed that recently arrived Earthmen (“bourgeois” intellectuals, “men” had been banished from the planet, although “scientists and mathematicians” were retained because they were needed) have been imprisoned by the evil Yllana (the communists/Soviets). Talleah recounts for the men, the sad history of the planet, the destructive war, how Yllana went from well-meaning rebel to tyrant, etc. The astute reader will observation here that Zsa Zsa is in fact recounting the destruction of World War Ii in Hungary—she says “Ten Earth years ago”!—the advent to power of the communists, the initial “popular” image of the Soviets as liberators, and their construction of a people’s dictatorship….

“To Be Hungarian Is Not Enough…”: Hollywood and Hungarians

As is to be incredible of space travelers, Hungarians claim to have founded inevitable places…one of them being Hollywood. Adolph Zukor of preeminent Pictures, one of the early Hungarians in Hollywood is said to have had on the wall of his office an inscription: “To Be A Hungarian Is Not Enough.” To this George Marx adds, “in a low voice Adolph would add, ‘but it may help’.” He continues, “Non-Hungarians in Hollywood used to say, “If you have a Hungarian friend, you don't need an enemy.” The Mgm commissary was said to have a sign which read, “Just because you’re Hungarian, doesn’t mean you’re a genius!”

The work on of Hungarians on Hollywood is astounding. In 1996, the associated Press reported that of the 136 Oscar nominations since 1929, Hungarians had won 30 of them. Some of the names are more customary than others. George Cukor—not to be confused with the aforementioned Adolph Zukor, “Mr. Petition Pictures,” founder of preeminent Pictures, and producer of possibly the first film “Prisoner of Zenda”—captured five best director nominations, including for My Fair Lady (’Enry ’Iggins says of Zoltan Karpathy: “Every time we looked around there he was that hairy hound from Budapest. Never leaving us alone, never have I ever known a ruder pest.”). William Fox of “20th Century Fox” was born near Tokaj, Hungary, preeminent for its sweet wines. Among the better-known actors other than Bela Lugosi (born Bela Blasko) and the Gabor clan, we can name Leslie Howard, born Laszlo Steiner, and Tony Curtis, born Bernard Schwartz (born in Budapest, fluent in Hungarian), and Peter Lorre.

Speaking of Bela Lugosi…there is the following unforgettable transfer between Johnny Depp playing legendary B-moviemaker Ed Wood and Martin Landau (himself of interplanetary space trip frequently) in his Oscar-winning portrayal of aging, foul-mouthed, bitter, and morphine-addicted Bela Lugosi in Tim Burton’s “Ed Wood” (1994):

[Ed and Bela are watching Vampira's Tv show.]
Ed Wood: Oh, I hate it when she interrupts the picture. She doesn't show 'em the proper respect.
Bela Lugosi: I think she's a honey. Look at those jugs!
[Bela Lugosi casts a love spell on Vampira who is on Tv while enthralling his fingers like Dracula]
Edward D. Wood, Jr.: My Gosh, Bela, how do you do that?
Bela Lugosi: You must be double-jointed. And you must be Hungarian. [!]

Some “Hungarians” preeminent in film and television will come as a surprise. Drew Barrymore’s mother was Ildiko Jaid Mako. Jerry Seinfeld might talk about Ceausescu above, but his father was named Kalman Seinfeld. Paul Newman’s mother was Hungarian. And half of the famed animator set behind “The Simpsons” and a series of other cartoons, Klasky Csupo—Gabor Csupo—is a Hungarian (he fled Hungary in 1975 hiking straight through a 2 ½ hours straight through a darkened railway tunnel to Austria).

The trivia of all these cases is to say the least entertaining. Other great finds on the webenetics site are the following. Ilona Staller, aka Ciccolina, of blue movies and green politics, had a red father—a member of the early communist Interior Ministry. And Juan Epstein’s mother—whose signature closed every excuse note Juan Epstein brought to class in the 1970s Abc sitcom “Welcome back, Kotter!”—is in fact Hungarian, Juan Epstein having been played by Robert Hegyes.

“What’s that? Hungarian roots?”: Budapest and Wanting the Other Mtv

Then there are the Hungarian roots of rock and pop stars. Appropriately enough, while Art Garfunkel is of Romanian Jewish ancestry, Paul Simon is of Hungarian Jewish ancestry. Tommy Ramone, drummer for “The Ramones,” was born with the more sedate name of Thomas Erdelyi. We can salute Gene Simmons of Kiss (or should it have been Kisz?) as half-Hungarian, and you might find it ironic, but you ought to know that Alanis Morissette is supposedly half Hungarian. It also turns out that the father of the Knopfler brothers of the “Dire Straits” band was a Hungarian Jew who fled the Nazis to Glasgow in 1939.

The Hungarian tie of “Dire Straits” is interesting—even if probably entirely incidental—in light of the “video within a video” of the band’s most preeminent commercial/video success, “Money for Nothing (1985).” “Money for Nothing” is great known for its line “I want my Mtv”—brilliant and somewhat satirical marketing, mention the video channel advent of age in an iconic way in your song/video and you will guarantee play there. (It was also the first video played when Mtv Europe debuted on 1 August 1987—for those too young to remember, Mtv, no not Magyar Televizio, was a brief experiment in playing something called “music videos” until reality shows killed the music video star). The premise, the inspiration of “Money for Nothing,” was a bunch of workers enthralling appliances and commenting while, as it turns outs, watching Sting’s “The Russians” video on a wall of Tv screens. (Ooohhhh, Sting mentioned the Russians, do they positively love their children too? Ooooohhhhh, how daring…because I’m sure the Russians do love their children too…1985, the eighties, ugh). I had always wondered about “the video within the video” since the bikini-clad “mama she got it stickin’ in the camera lens” model appears to be posing in the Halaszbastya (Fisherman’s Bastion on the Buda side of Budapest) which I had then just recently visited (May 1985, the video came out in September 1985). Turns out I wasn’t hallucinating for as Dennis O’Connell writes:

The video was produced by Steve Barron, who envisioned that the whole video be computer animated. The band wanted a live video. The final goods was a mix: footage from Budapest enhanced by computers along with a computer generated character, Sal, which was inspired by Joe Pesci's character in Raging Bull.

Sting, the object of the workers’ derision that gave rise to the song, performs back up vocals on “Money for Nothing.” Bringing all things full circle, my Russian History professor in college decided to open his semester with “Money for Nothing” blaring as students entered the classroom.

Camp. La(s)zlo

In retention with the alien riff, Hungarians love their inside jokes. The crowd-favorite, sentimentalist Hollywood film, “Casablanca,” with Humphrey Bogart and Ingrid Bergman (nope, neither of them Hungarian), was directed by Michael Curtiz (Kertesz). S. Z. “Cuddles” Sakall, a Hungarian stage actor, played the role of Karl, the kindly Austrian waiter in Rick’s Café. The preeminent historian John Lukacs (author of Budapest 1900) among others has argued that there is a typical Hungarian inside joke in this film—or at least the film bears the marks of its Hungarian director. Ingrid Bergman’s underground, Czech resistance leader husband in the film is named Victor Laszlo. Now, of course, as Lukacs notes—personally, he describes the movie as “imbecile”—“Laszlo” is neither a first nor last name in Czech. It is, any way a sometimes last name, but frequent first-name in Hungarian—and Curtiz was surrounded “by a slew of Hungarian scriptwriters in Hollywood, many of whose first names were Laszlo” (Lukacs, 1989, pp. 178-179). Hence, the name in the film. (There is also a popular modern cartoon named “Camp Lazlo,” but Lazlo is a Brazilian spider monkey, and as far as I can tell there is in no aware Hungarian connection behind the name choice.)

But I would argue there are even great inside Hungarian jokes than that of “Victor Laszlo” woven into movies, as I will now demonstrate.

The Boy Named Wolf in Hungarian Who Made Ralphie Cry…

It took over 30,000 feet, some time zone changes, and countless years to figure it out. A few years ago (2001) I was flying out west and scanning the music channels for the headphones. On the classical music channel I suddenly came upon a customary tune. Yes, there it was: the tune that would repeat every time the school bully would appear in the lovable, sentimental, nostalgia-fest for a life that few of us ever lived, that is “A Christmas Story (1983).” I conception I recognized the music: it was Sergei Prokofiev’s preeminent “Peter and the Wolf,” and the theme—that which Prokofiev used for the wolf—became the school bully’s signature in the film. Upon the first hearing of this tune, when the school bully makes his first frightening appearance, the reminiscing “Ralphie,” the limited boy who is the main protagonist of the movie, exclaims, “it was Farkas, Scott Farkas, the school bully…he had yellow eyes, yellow eyes I tell you.” (Ralphie’s younger brother, Randy “lay there like a slug…it was his only defense”!)

(Spoiler Warning!: When I came to this personal epiphany in 2001, and even while I was writing this record in 2005, there was no indication on the Internet that anyone else had recorded this observation, which led me to quiz, either an overactive imagination had gotten the best of me yet again. What a great discrepancy two years can be in the Internet age: now a Google search for “farkas wolf ‘christmas story’ prokofiev” yields 123 hits, starting with the wikipedia entry for the film!)

Why is this prominent you ask? Well, if you know Hungarian, you will know that “farkas” is the Hungarian word for “wolf.” Therefore, to play the theme of the “wolf” from Prokofiev’s work—a piece drafted, it would appear, for children to learn the varied instruments of an orchestra—is to play an obscure “inside joke” on the viewers of the film. (Making it even great is the fact that the actor who plays the part of Ralphie is Peter! Billingsley.) Jean Shepherd, upon whose book the movie is based—and who also narrates the film from the perspective of an adult Ralphie seeing back on his childhood—appears to have chosen the name of the bully, “Scott (Scut) Farkas,” himself. The story is set in 1940s northwestern Indiana—significantly, Prokofiev’s “Peter and the Wolf” debuted in 1936 and became the field of a Disney cartoon—so the presence of people of Hungarian ancestry and last names is plausible.

It is always possible that the Prokofiev-wolf-farkas nexus is just an unintentional, if very witty happenstance. But the idea of it having been one of the extreme Hungarian “inside jokes”—although Jean Shepherd does not appear to have been Hungarian himself—is enhanced by the comparatively unknown and assuredly less memorable sequel to “A Christmas Story,” “It Runs in the family (1994),” in which Ralphie’s father recounts the story of “the Hungarian barber’s cross-eyed daughter.” Shepherd died in 1999, but as with many common last names from other cultures—and farkas can possibly be deemed one of those—growing up with Hungarian acquaintances it is conceivable that Shepherd would have known the meaning of the name in Hungarian.

“Honky”: The Hungarian Roots of a Racial Epithet

Speaking of the Hungarian(-American) “working class” in the Chicago environs. agreeing to the entry on the wikipedia: Honky, Honkey or Honkie is an American racial slur for a Caucasian, ordinarily applied to males. The word “honky” as a pejorative for Caucasians comes from "bohunk" and "hunky". In the early 1900’s, these were derogatory terms for Bohemian, Hungarian, and Polish immigrants. agreeing to Robert Hendrickson, author of the Encyclopedia of Word and Phrase Origins, Black workers in Chicago meat-packing plants picked up the term from white workers and began applying it indiscriminately to all Caucasians.

Honky, was later adopted as a pejorative meaning white, in 1967 by black militants within Sncc seeking a rebuttal for the term nigger. They settled on a customary word they felt was disparaging to inevitable Americans of European descent; hunkie meaning an American of Slavic or Hungarian descent.

In the Simpsons cartoon series, Homer Simpson is fond of saying when something goes wrong, particularly at the nuclear power plant where he works, “blame it on Tibor, the guy who doesn’t speak English.” One can imagine that this is something of an inside joke among the creators of the Simpsons, since the chief cartoonist Gabor Csupo is Hungarian (supposedly Hank Azaria’s character Dr. Nick Riviera, a quack physician, is supposed to be a parody of Ricky Ricardo on “I Love Lucy”—“Hi e-ver-y-bo-dy!”—but coworkers just assumed he was production fun of Gabor. Personally, I have always conception he sounds oddly like Andrei Codrescu on Npr…) agreeing to the online urban dictionary of slang, “blame it on…Tibor” has entered at least some marginal popular discourse as shorthand for blaming the foreigner—thus in retention perhaps, unintentionally, with the roots of “Honky”:

A tibor is man in your office whom you blame when you have done something stupid, illegal, or immoral. Typically the man is man who cannot defend themself. Especially sufficient when the Tibor cannot speak English. “You'll have to jiggle the handle. That idiot, Tibor, lost the key.”


Hollywood, Aliens, And A Christmas Story - contemporary Pop Culture Images Of Hungarians in the Us


The Wolves



The Wolves

Hollywood, Aliens, And A Christmas Story - contemporary Pop Culture Images Of Hungarians in the Us



Hollywood, Aliens, And A Christmas Story - contemporary Pop Culture Images Of Hungarians in the Us
Hollywood, Aliens, And A Christmas Story - contemporary Pop Culture Images Of Hungarians in the Us

The Wolves

Saturday, February 16, 2013

The Alpha Female - More Than a Woman

The Alpha Female - More Than a Woman


Samsung Galaxy
ItemTitle

Unlike the Alpha-Male who has farranging studies on his show the way and behavior, the research on this peculiar type of woman is still limited. I know it well, because I wear it well. All the time tried to subdue it, but I've surrendered. So, I made a list. An Af is a quintessential woman. She's me. All of the major female characters in my novels are an embodiment of the Af. There is none like her, just like her counterpart the Alpha Male. Though they are many Alpha males and men who want to be like him, there are few genuine Afs. Not too many women want to be like her, because they want to be liked by other women. Afs are way beyond that. She doesn't get her identity from other women, but one she alone defines. Both Alphas can be found in nature among the animal kind. Check out the wolves. Study wolf-pack behavior. The Af is unique in that she's not a bitch, she's not a saint, she just wins.

An Alpha-Female (Af) is:

1. A woman unafraid to use, and sometimes, exploit her femininity to get her way with men or seal a enterprise deal

2. A woman who is fully in operate of her destiny

3. Ordinarily a loner, has a "clique" or a pack when ready, but Afs are cave dwellers and truly bloom when with their complementary half, an Alpha Male. She is dominant over all men and women, except her Alpha male (Afs eat Beta men for breakfast, by the way)

4. Ruthless, more so than a man, because you never see it coming, she'll smile, then cut 'ya

5. A woman who cannot be categorized, and will All the time rise above the stereotype of being "female" or rise above a group; in fact she doesn't even think she is a "woman" for she is embarrassed to the level many have succumbed to by their emotional recklessness; previous British Prime minister Margaret Thatcher once said, "Don't ask me about being a woman" and she had no female members in her cabinet

6. You immediately know when an Af walks in the room; enters at the same status as the leaders in the room, she glides in; close mouthed smile, eyes canvassing all things for the big swoop down

7. She is full of contradictions often keeping her male partner in a suspended state, not sure exactly what to do with her

8. Have a hard time at work because of their innate leadership skills and can
ruffle the wrong feathers; ultimately she manages to rise to the top because of her style and intellect

9. She is not a bitch; and abhors the comparison because she revels in using her sweetness to get her way, not evil

10. She crushes her female competition to get the most wanted man in the room, in fact she revels in her power over men, in fact, men love her for it

I say if there are 10 women in the room, only 1 is for real an Af. The Af's route in life is quite different from that of other women. She's roughly All the time flourishing on anyone she focuses on though she may not have gotten there as neat and tidy as everyone else. She has come a long way, and often feels misunderstood as cold, a bitch or a whore. Once she can embrace all of herself to accept her Af nature can she shine. Just don't cross her ;) For one of my strongest Af characters, check out, Mrs. Big who scores a major coup and changes her lifestyle on a dime.


The Alpha Female - More Than a Woman


The Wolves

► W Motors Lykan Hypercar - First Arabian Supercar



Samsung Galaxy

Video Clips. Duration : 4.65 Mins.



► W Motors Lykan Hypercar - First Arabian Supercar



W Motors unveils the Lykan Hypercar at the Qatar Motor Show 2013. The Lycan is provided of a Flat 6 twin-turbo 750 Horsepower (395 km/h / 245 mph) and features a holographic display, an ID4 motion dashboard and uniquely designed seats. Adding a touch of modern luxury with the integration of the most refined and luxurious materials both inside and outside, the Lykan comes with gold-stitched interiors, a 24/7 concierge service and a patented design Cyrus Klepcys watch, that has been dedicated to Lykan owners only. The limited edition Lykan is priced at 3.4 million Dollars making it one of the most exclusive and exquisite cars in the world. ► www.facebook.com

► W Motors Lykan Hypercar - First Arabian Supercar

► W Motors Lykan Hypercar - First Arabian Supercar


► W Motors Lykan Hypercar - First Arabian Supercar

► W Motors Lykan Hypercar - First Arabian Supercar

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Footprints to Success: The Five Priorities of Strategic Planning in Wholesale Distribution


Samsung Galaxy
ItemTitle

Strategic planning is a supervision tool. It is used to help an club explicate its time to come direction - to focus its energy, and to help members of the club work toward the same goals. The planning process adjusts the organization's direction in response to a changing environment. Strategic planning is a disciplined effort to hold basic decisions and actions that shape and guide what an club is, what it does and why it does it, with a focus on where it wants to go and how it is going to get there.

Discipline is a prerequisite to this process because it requires laser-like persistence to bring about a productive strategic planning initiative. The process raises a sequence of questions that helps planners seek current reality, test assumptions, obtain and incorporate data about the present, and achieve trend analysis on the time to come commerce environment.

Fundamental decisions, actions and choices must be made in order to make a plan that provides the "Footprints to Success." The plan is finally no more, and no less, than a set of decisions about what to do, why to do it, and when and how to do it.

The scope of the strategy development process for any jobber is dependent upon personel enterprise needs. The strategic planning process is a time and resource-consuming effort that involves many citizen in the organization. This process includes both tactical and strategic application.

A valuable factor in developing a strategic plan is looking at the end game first. Just exactly what do you want your enterprise to be when it grows up? Ask yourself the following questions from the perspective of looking five years into the future.

1. What markets will your enterprise be serving five years from now?

2. What products will you be distributing?

3. Who are your customary competitors?

4. What are your strengths?

5. What are your competitors' strengths?

6. How has your marketing strategy changed?

7. What are your core competencies?

8. What is the size of your wage stream?

9. How is your wage stream segmented?

These are just a few sample questions, but don't stop there. After you've tried to visualize your corporate profile five years in the future, the next step is scenario planning. It's the old "What If" analysis. What if you lose your major product line? What if your three biggest competitors become part of a consolidator roll up? What if you dramatically change your product contribution so it doesn't even resemble the commerce you report today? How will e-business impact your strategy? identify that an e-strategy should not exist in isolation from your ample enterprise strategy. Remember that e-anything is only a tool while your enterprise vision is the guide on how you use your tools.

Follow the Strategic mental Process

Strategic mental by a strategy team leader provides a platform for the jobber that identifies the "end game" vision, determines core initiatives to achieve the vision, develops connected Sips (Strategic Implementation Plans), and coaches the administrative strategy team in establishment a presentation of their strategic document to the proprietary or Board for approval. After approval is granted, this document becomes the basis for launching the total enterprise planning process.
Tactical issues such as sales strategies, doing accountability and compensation issues may also be included.

The Strategy development Process

Phase I: Company Internal Survey

Preparation

A web-based seek is industrialized focusing on all aspects of the organization. This generates valuable, literal, feedback from the employees. This seek is synthesized, analyzed and discussed at the strategy kickoff meeting.

End Game Definition

Through the use of brainstorming and scenario planning, the Ceo and proprietary originate a picture of what the enterprise will be and how it will function 5 to 10 years into the future. This process can be as simplistic as developing a well view out visionary mission statement to doing actual "what if" scenario analysis identifying definite desirable time to come objectives.

Phase Ii:

Kick off Strategy development Meeting - End Game Presentation

The Ceo/Owner presents the end game analysis industrialized to the strategy team. Open seminar may or may not occur at this juncture. However, added seminar will take place after the Ceo excuses himself from the meeting. This seminar will be moderated by a facilitator to get consensus of the end game by the strategy team. The end game may be challenged only if other alternative is offered.

Survey Presentation

A copy of the completed seek is handed out. A facilitator presents the analysis of the seek identifying key issues. A seminar of the issues is conducted but the seminar is controlled and kept informal without trying to solve world hunger at this one-day meeting.

Strategy development Kickoff

A brief 60-minute strategy planning presentation is conducted by the facilitator to walk the participants through the process. The end game rehearsal is discussed and defined. This is meant to explicate the starting of the process. After the plan is completed a presentation will be made to the ownership, President and Board, gaining approval of the strategic plan prior to actual embark on and doing of the strategy.

Doing nothing is not an option

As we've discussed, strategic planning involves anticipating the time to come environment and creating an end game analysis so the decisions are made in the present. This means that over time, the club must commonly achieve trend analysis in order to make the best decisions it can at any given point - it must manage, as well as plan, strategically.

Strategic planning is not a substitute for the rehearsal of judgment by leadership. finally "the buck stops somewhere." The strategic planning process does not make the club work - it can only hold the sound judgment and mental skills that citizen bring to the organization.

Strategic planning is a creative process. The fresh understanding it engenders might very well alter past initiatives. Planning also consumes resources which are costly commodities. It can be an astounding and daunting task, but it is a process that ultimately defines the direction and activities of the organization. Despite its astounding nature, the benefits of planning can far outweigh the hard work and pain involved in the process.

I cannot emphasize sufficient that the true value of a strategic plan is not in the document itself. It is in the process of creating it, sharp many of your employees from the bottom up. This empowers them to be more productive and better-informed leaders, managers and decision makers. The time devoted to the planning process varies from club to club and you must rule how much time you will devote to the kick off planning process meeting. This can take the form of a two-day retreat or it can be an extended process. The club will begin to perceive benefits from the start. basic benefits to the planning process include:

o A framework and a clearly defined direction with unified support

o A clear vision and purpose that is owned by all employees

o Commitment to the club and its goals by the employees

o Set priorities that match enterprise resources

o Trend analysis that creates confidence in the potential to take risks

o Accountability

Readiness Factors

The planning process is a major effort and timing is critical. There are safe bet organizational elements that must be in place in order to ensure that the planning process will supply the maximum advantage to the organization. You must clearly understand the organization's current state and readiness to engage in the planning process. There are a number of preparatory steps that should be complete prior to the start. An internal honest-gut-check estimation is recommended. Preferably an face counselor with a fresh pair of eyes does this. Additionally, as mentioned earlier, third party customer, vendor and laborer surveys should be conducted. Other items to obtain at the onset include:

o A commitment on the part of administrative supervision and ownership

o Resolution of all crises and life threatening issues

o Ownership and board support

o A commitment of valuable resources

o A willingness to think face the box and to look at new approaches to performing and evaluating the "business"

o A basic understanding of scenario planning

The key resources required for planning contain staff time, administrative supervision time and finances (e.g., store research, consultants, etc.).

Staffing demands include:

o Collecting and analyzing data

o Scenario planning

o Engaging key stakeholders

o Gathering historical financial information, projecting time to come budgets and cash flow projections

o Analyzing options and consequences for possible organizational and agenda strategies

o End game analysis

Project Management

Project supervision becomes valuable to the strategic planning process. doing is the key to success. citizen have separate expectations when they hear the word "planning."

Everyone must understand and share the same set of expectations. It is very helpful if one or two key staff members are skilled in task management.

A team leader will facilitate the development of a work plan which is an figure of the steps and activities that will take place during the planning process. The plan specifies the tasks, outcomes and resources to be expended, as well as the citizen responsible for each phase of the process.

How do you get started?

1st Priority:

If you have determined your readiness factors through estimation and you have performed the valuable preparatory research, then you are ready to embark on the process. The following items should become your first priority.

o Create a Planning Committee

o Assign a team leader

o Identify definite ongoing initiatives

o Clarify roles (who does what in the process)

o Identify any added investigate or face resources valuable to sustain you during the process

2nd Priority:

The second priority is to originate the end game vision with solution from proprietary and the administrative staff. The core strategy statement is an initial paragraph that clearly defines the end game in understandable and measurable terms; it lets the reader know where the enterprise intends to go. The end game must tell the essence of the organization. Articulating the end game indicates your focus and purposefulness. The end game and its clarifying core strategy statement should contain:

o Purpose - why the club exists and what it seeks to accomplish

o Business - the main recipe or action through which the club tries to fulfill this purpose

o Values - the system or beliefs that guide an organization's members as they pursue the organization's purpose

o Specific-long term financial objectives

The core strategy statement summarizes the what, why and how much of an organization's objectives. It presents an image of the character, the culture and the core values of the organization.

3rd Priority:

The third priority entails performing the S.W.O.T. analysis (strengths, weaknesses, opportunities and threats). A S.W.O.T. analysis means obtaining current data about the organization's strengths, weaknesses and doing data that will feature the valuable issues that the club faces. These become key issues the strategic plan must address. These could contain a collection of customary concerns, such as funding issues, new agenda opportunities, changing regulations or changing needs in the client population, and so on. The point is to select the most foremost issues to address. valuable constraints should plainly emerge from this process. Identifying valuable constraints is the customary speculate for doing a Swot analysis.

4th Priority:

The fourth priority is to begin to make departmental initiatives required to hold the end game.

Strategies, goals and objectives may come from personel inspiration, group discussion, formal decision-making techniques and so on - but the bottom line is that leadership agrees on how to address the valuable issues.

This can turn into a negotiating process and eat up valuable time and flexibility. It is possible that new insights will emerge which change the thrust of the end game. It is foremost that planners are not afraid to go back to an earlier step in the process and take advantage of ready data to originate the best possible plan.

"Changing the end game is not a crime."

5th Priority:

The fifth priority and closing to this explanation of the process is producing the completed, documented plan. The end game has been articulated, the issues identified and the goals and strategies agreed upon. This step essentially involves putting all that down on paper. A planning counselor can be used to draft the final document and submit it for tell to all key decision makers (usually the board, Ceo and ownership). This is now the starting of the process of developing personel departmental enterprise plans congruent to, and supportive of, the strategic plan. These enterprise plans should contain departmental budgets.

Conclusion

Strategic planning involves looking at a longer time horizon, identifying time to come trends and developing action plans based on the highest probabilities. A good strategic planning process will enable a enterprise to anticipate changing trends and implement actions that will enable them to gain or enunciate contentious advantage. Add scenario planning and they can be ready for just about any consequence the store may throw their way.

Developing a well view out strategy that involves much of the entire club provides the "Footprints to Success." It is now up to the administrative team to lead the club along the path these footprints follow.


Footprints to Success: The Five Priorities of Strategic Planning in Wholesale Distribution


The Wolves

HOT THIS WEEK: Feb. 8, 2013



Samsung Galaxy

Video Clips. Duration : 1.45 Mins.



HOT THIS WEEK: Feb. 8, 2013



February 8, 2013. Our weekly wrap-up show covers the biggest premieres and best VEVO originals from this week as well as what's on tap for next week! Tag your pics with #VEVOHTW on Instagram and you might be included in our next episode! © 2013 VEVO P!nk- Just Give Me A Reason Ft. Nate Ruess vevo.ly Austin Mahone- Say You're Just A Friend vevo.ly The Cataracs- Alcohol (Remix) Ft. Sky Blu vevo.ly Get To Know: Una (VEVO LIFT) vevo.ly

HOT THIS WEEK: Feb. 8, 2013

HOT THIS WEEK: Feb. 8, 2013


HOT THIS WEEK: Feb. 8, 2013

HOT THIS WEEK: Feb. 8, 2013

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2012: shop Prediction For Buyers, Sellers and Investors for Real Estate in the San Diego shop


Samsung Galaxy
ItemTitle

If 2011 was any precursor, it makes it difficult to make any prediction for what the market will do in 2012. As a result, many of the predictions you will hear about for this year may be totally worthless given the number of convert that is in store. In the past we've offered comprehension as to what the market will look like and what we can expect intriguing transmit and throughout the year, and we've had success in this regard. However, something is separate for this year. It seems that there are too many "ifs" out there to pin-point exactly where we stand and to by comparison a full blown economic salvage in 2012, especially where residential real estate is concerned. There are far too many outlying macro-economic and Geo-political instability issues that fly in the face of what a foundation for a salvage looks like. Many pundits and "experts" predict nothing more than a sputtering real estate market for 2012 and not the type of housing salvage that spurts the cheaper the way we need it to. Nevertheless, regardless of what's going on in terms of a national or global scale, it's leading to remember one thing: everyone needs to know that real estate is local. What I mean is that what is going on globally doesn't literally work on the value and desirability for homes in San Diego County. In other words, if a listing is not selling, it is probably due to the fact that it's priced too high and not because the stock market tanked today, or because of the earthquake in Japan. Conversely, the price of oil and the tensions in the Middle East shouldn't take a commanding role in the decision manufacture process when buying a home. Yet, buyers and sellers tend to complicate the issue and bring the context of their real estate covering the realm in which it should be, which is local.

For buyers in this market:

For San Diego, our market is seeing quite good relative to what is happening in the rest of the country. This market is now 5 years removed from the onset of the housing correction. We don't predict a full blown salvage this year, however we do see a remarkable buying opportunity for this and next year. Affordability for a home buyer today is the highest that it has been for decades. We see that San Diego has corrected, on average, about 25% below its peak and prices have stabilized for some time now. To further sweeten the current situation, we should all know that mortgage interest rates have been hovering around 4% which is near the bottom ever seen. To underline how substantially separate a buying opportunity is today, and why it's such a great time to buy a home, let's reconsider what the typical buying situation right before the peak of the boom looked like, and collate it to today's market.

For this example, we take a 2 bedroom 1 bath entry level home in the metro area of San Diego. This area of San Diego has corrected lower about 25% off the peak values of 2005, which is right about the midpoint of the downturn/correction in price for the county in general. In 2005, this home would be selling for 0,000+ and you would literally be competitive with any other buyers in the market place. There were only a few thousand homes ready throughout the county at that time and the market had a crazed atmosphere, and many a times a buyer would have to write any offers on any properties and compete aggressively before being able to get their offer accepted. Many times your offer would have to be any thousand dollars higher than list price to win-out on a home over the stiff competition. Mortgage interest rates around this time were in the mid 5% range, and because everyone could qualify for a loan, there were a lot of citizen seeing and able to buy. In terms of a monthly payment, this home with a 20% down cost would be about 00 per month.

Today, on the other hand, this same house can be bought for about 5,000. Mortgage rates are hovering around 4% meaning that this same home at a 20% down cost would cost approximately 00 a month for the mortgage. Furthermore, the supply of homes on the open market is much greater than that of 2005, meaning that, for the most part, buyers aren't regularly having to compete with other buyers on every home they see. Deals are out there and many of the possible buyers are still on the sidelines waiting for some sign to let them know that it's Ok to enter back into the market. Well, this is me telling you that This is the Best time to get in the market if you are able. Lots of citizen would love to buy, but the stringent loan guidelines force many to take measures to heighten prestige or save more of a down cost - they couldn't buy even if they want to because they cannot qualify for a loan. Even so, many buyers are fearful that prices will continue to erode and there is a lack of buyer reliance within the housing market and the cheaper in general.

With that in mind, I truly feel that 2012 will essentially bring a convert of attitude and perception for the housing market. It won't happen immediately, but how did you feel reading the above comparison on the same house from 2005 compared to now? Not only is the home 5,000 less expensive, but your cost would be 00 less each month and you can lock a 4% loan fixed for 30 years! The prices in many places are nearing the point where it costs approximately as much to rent compared to buying - this unique market situation (where rent vs. Owning being nearly the same cost) isn't supposed to be happening in San Diego because it's such a prime real estate market, but here is where we find ourselves in 2012: a market with ample opportunity, and the only direction I see the real estate market going in this county is up.

Over the past any decades we have been explore to booms and busts (recessions) in the economy. The midpoint boom lasts in the middle of 3 and 4 years, and the midpoint bust, or retreat typically lasts 12 to 18 months. This is what has been experienced historically since the early 20th century. Put into today's context, the boom that preceded the "great recession" that we have been muddling through the past any years was an economic boom of remarkable proportions, so it would make sense that the bust that follows is somewhat equal in its extent as the cheaper works out the kinks and problems that got us to where we stand today. In 2012 we are now 5 years beyond when the correction and recessionary phase first began. This is a long time, but after a 10 year boom, the cheaper needed just as big a bust to bring the fundamentals to a more healthy position in order to move transmit into the future for the cheaper and housing market as well.

I am not saying that we have been in a recessionary period long enough, so we ought to be seeing great soon just because. I am taking the historical context of our past and applying it to the situation we find ourselves in today and it does make sense. Further, we are seeing gains in buyer confidence, as well as reductions in unemployment. We have prolonged to grow as a citizen over the past consolidate years without adding much at all to the supply of homes, so we can potentially find ourselves in a housing shortage at sometime this or next year and this is something you would never hear the media report on - it's just not sexy or bloody enough. Nevertheless, the fundamental fundamentals are changing for the better, and in a short number of time we will find ourselves in a great market environment. However, the best opportunities are the ones that are found now in the depths of the correction before everyone enters the marketplace to compete with everyone else - that's when we will see values beginning to rise again.

If in 2005 you gamed the market, there would be a 20% opportunity we could continue to go higher in values, and an 80% opportunity that we were due for a correction. (Of policy we all know what happened, but this is what I would recommend without knowing what the future had in the cards.) I feel just the opposite for today's market; there is more likely a opportunity the market continues to heighten rather than stagnate further. Take into inventory the remarkable interest rate environment, the reduced prices and the options that buyers have by means of the uncut supply of homes on the market, and you would terminate that there is a great deal of opportunity in the marketplace, and it is a great time to be a buyer of real estate right now. We are advising our clients to reconsider entering the market or investing now before interest rates rise or you get priced out of the market, or competition increases substantially - or a composition of all 3.

Over the policy of 2012, who knows what can and will happen on a national scale, but San Diego will continue to progress, steadily doing its thing, and being one of the front runner cities that is leading the nation out of retreat and into the recovery. Expect to see that the general consensus for real estate to improve. Expect modest improvements in prices at a strong particular digit growth rate. You can still expect to see a lot of superfluous hyperbole within the media on a national scale when it comes to the housing market, but know that San Diego has a strong business base that creates decent jobs, substantiates prices, and allows for upside and growth. We've been brought into the fire, and we are on our way out. It's leading to charge the opportunity while the iron is hot, and while there is still a principal number of citizen who still don't believe we have hit bottom yet.

For Sellers:

Because we will not be vacillating much in price in the near future, retention out to sell for a higher price may not be the most advisable thing to do unless you can hold out and wait for years. I know a few owners who think that the future of home prices will depend on if a republican or democrat is in the white house - although this may have some ensue in the long term and on a very indirect basis - remember, all real estate is local. I feel that retention out a year or so won't net you too much more or less than where we stand today, so it makes sense to make a move now so that you can take benefit of the great buying opportunities in the market for your replacement. For those homeowners who are inspecting doing a short sale, 2012 is the last year that the Irs will exempt the forgiven debt for anything that completes a flourishing short sale. If it's your primary house, and you are underwater, you will have to pay wage taxes on the forgiven debt after the end of this year, so talk with your Tax professional, because if this is something that is the best financial path forward, then it's leading that you act swiftly in order to get the ball rolling as it does take 4 months at the least for a flourishing short sale from start to finish. Overall, there are opportunities in this market for sellers as well as buyers, just make sure that your moves align with your long term goals, and utilize your professional Realtor or financial professional for assistance.

For Investors:

Multi-Family asset is a asset type that we feel very strongly in favor of for the foreseeable future. More citizen and fewer buildable areas in San Diego means more density, and therefore more request for multi-family housing as it is both affordable and suitable (usually in densely populated areas) For these reasons, we are advising our investor clients to reconsider 2-4 unit and 5+unit apartment unit investments as a remarkable strategy intriguing forward. This asset type has more immediate and long term upside not only for the reasons mentioned above, but also because rents have not decreased as much as prices have over the past 5 years, yet the prices for speculation properties have come down considerably. Even if you are an investor for a particular condo unit, prices have come down so much, yet as I mentioned above, rents remain high, and cash-flow is literally realized, but more importantly, appreciation is on the horizon. In so many cases, you cannot go wrong when the fundamental real estate being invested in is San Diego where it truly is paradise.

All in all, we look for 2012 being a "turning point" type of year. One where not only the fundamentals begin to substantially convert for the great (like unemployment and local Gdp) but also the group perception of real estate in general. The market is poised for a decent year, but not a full blown economic salvage like some would hope. However, many continue to believe that the market will continue to erode and worsen, and we just don't feel that this is in the cards given the information and determination we have reviewed. If you can get into this market, buyers can realize a solid performing asset at a great price and lock in remarkable interest rates, and investors can collect a remarkable opportunity together with both cash-flow and appreciation. For sellers, there's not much to gain or lose short term in this market, unless you are inspecting doing a short sale. No matter what your situation, I hope you make 2012 great and take benefit of the great opportunities that lie ahead. Success and prosperity is ahead, please be ready for it!


2012: shop Prediction For Buyers, Sellers and Investors for Real Estate in the San Diego shop


The Wolves

► W Motors Lykan Hypercar - First Arabian Supercar



Samsung Galaxy

Video Clips. Duration : 4.65 Mins.



► W Motors Lykan Hypercar - First Arabian Supercar



W Motors unveils the Lykan Hypercar at the Qatar Motor Show 2013. The Lycan is provided of a Flat 6 twin-turbo 750 Horsepower (395 km/h / 245 mph) and features a holographic display, an ID4 motion dashboard and uniquely designed seats. Adding a touch of modern luxury with the integration of the most refined and luxurious materials both inside and outside, the Lykan comes with gold-stitched interiors, a 24/7 concierge service and a patented design Cyrus Klepcys watch, that has been dedicated to Lykan owners only. The limited edition Lykan is priced at 3.4 million Dollars making it one of the most exclusive and exquisite cars in the world. ► www.facebook.com

► W Motors Lykan Hypercar - First Arabian Supercar

► W Motors Lykan Hypercar - First Arabian Supercar


► W Motors Lykan Hypercar - First Arabian Supercar

► W Motors Lykan Hypercar - First Arabian Supercar

No URL ► W Motors Lykan Hypercar - First Arabian Supercar

2012: store Prediction For Buyers, Sellers and Investors for Real Estate in the San Diego store


Samsung Galaxy
ItemTitle

If 2011 was any precursor, it makes it difficult to make any prediction for what the shop will do in 2012. As a result, many of the predictions you will hear about for this year may be totally worthless given the whole of turn that is in store. In the past we've offered insight as to what the shop will look like and what we can expect interesting forward and throughout the year, and we've had success in this regard. However, something is dissimilar for this year. It seems that there are too many "ifs" out there to pin-point exactly where we stand and to explicate a full blown economic recovery in 2012, especially where residential real estate is concerned. There are far too many outlying macro-economic and Geo-political instability issues that fly in the face of what a foundation for a recovery looks like. Many pundits and "experts" predict nothing more than a sputtering real estate shop for 2012 and not the type of housing recovery that spurts the cheaper the way we need it to. Nevertheless, regardless of what's going on in terms of a national or global scale, it's leading to remember one thing: everybody needs to know that real estate is local. What I mean is that what is going on globally doesn't truly affect the value and desirability for homes in San Diego County. In other words, if a listing is not selling, it is probably due to the fact that it's priced too high and not because the stock shop tanked today, or because of the earthquake in Japan. Conversely, the price of oil and the tensions in the Middle East shouldn't take a commanding role in the decision making process when buying a home. Yet, buyers and sellers tend to complicate the issue and bring the context of their real estate covering the realm in which it should be, which is local.

For buyers in this market:

For San Diego, our shop is seeing quite good relative to what is happening in the rest of the country. This shop is now 5 years removed from the onset of the housing correction. We don't predict a full blown recovery this year, any way we do see a astonishing buying opportunity for this and next year. Affordability for a home buyer today is the top that it has been for decades. We see that San Diego has corrected, on average, about 25% below its peak and prices have stabilized for some time now. To further sweeten the current situation, we should all know that mortgage interest rates have been hovering around 4% which is near the bottom ever seen. To underline how substantially dissimilar a buying opportunity is today, and why it's such a great time to buy a home, let's consider what the typical buying situation right before the peak of the boom looked like, and collate it to today's market.

For this example, we take a 2 bedroom 1 bath entry level home in the metro area of San Diego. This area of San Diego has corrected lower about 25% off the peak values of 2005, which is right about the average of the downturn/correction in price for the county in general. In 2005, this home would be selling for 0,000+ and you would truly be contentious with any other buyers in the shop place. There were only a few thousand homes available throughout the county at that time and the shop had a crazed atmosphere, and many a times a buyer would have to write any offers on any properties and compete aggressively before being able to get their offer accepted. Many times your offer would have to be any thousand dollars higher than list price to win-out on a home over the stiff competition. Mortgage interest rates around this time were in the mid 5% range, and because everybody could qualify for a loan, there were a lot of population seeing and able to buy. In terms of a monthly payment, this home with a 20% down cost would be about 00 per month.

Today, on the other hand, this same house can be bought for about 5,000. Mortgage rates are hovering around 4% meaning that this same home at a 20% down cost would cost roughly 00 a month for the mortgage. Furthermore, the supply of homes on the open shop is much greater than that of 2005, meaning that, for the most part, buyers aren't usually having to compete with other buyers on every home they see. Deals are out there and many of the inherent buyers are still on the sidelines waiting for some sign to let them know that it's Ok to enter back into the market. Well, this is me telling you that This is the Best time to get in the shop if you are able. Lots of population would love to buy, but the stringent loan guidelines force many to take measures to improve prestige or save more of a down cost - they couldn't buy even if they want to because they cannot qualify for a loan. Even so, many buyers are fearful that prices will continue to erode and there is a lack of buyer belief within the housing shop and the cheaper in general.

With that in mind, I truly feel that 2012 will essentially bring a turn of attitude and perception for the housing market. It won't happen immediately, but how did you feel reading the above comparison on the same house from 2005 compared to now? Not only is the home 5,000 less expensive, but your cost would be 00 less each month and you can lock a 4% loan fixed for 30 years! The prices in many places are nearing the point where it costs roughly as much to rent compared to buying - this unique shop situation (where rent vs. Owning being nearly the same cost) isn't supposed to be happening in San Diego because it's such a prime real estate market, but here is where we find ourselves in 2012: a shop with ample opportunity, and the only direction I see the real estate shop going in this county is up.

Over the past any decades we have been survey to booms and busts (recessions) in the economy. The average boom lasts between 3 and 4 years, and the average bust, or stepping back typically lasts 12 to 18 months. This is what has been experienced historically since the early 20th century. Put into today's context, the boom that preceded the "great recession" that we have been muddling through the past any years was an economic boom of astonishing proportions, so it would make sense that the bust that follows is somewhat equal in its extent as the cheaper works out the kinks and problems that got us to where we stand today. In 2012 we are now 5 years beyond when the correction and recessionary phase first began. This is a long time, but after a 10 year boom, the cheaper needed just as great a bust to bring the fundamentals to a more salutary position in order to move forward into the future for the cheaper and housing shop as well.

I am not saying that we have been in a recessionary period long enough, so we ought to be seeing good soon just because. I am taking the historical context of our past and applying it to the situation we find ourselves in today and it does make sense. Further, we are seeing gains in buyer confidence, as well as reductions in unemployment. We have prolonged to grow as a population over the past integrate years without adding much at all to the supply of homes, so we can potentially find ourselves in a housing shortage at sometime this or next year and this is something you would never hear the media record on - it's just not sexy or bloody enough. Nevertheless, the basic fundamentals are changing for the better, and in a short whole of time we will find ourselves in a good shop environment. However, the best opportunities are the ones that are found now in the depths of the correction before everybody enters the marketplace to compete with everybody else - that's when we will see values beginning to rise again.

If in 2005 you gamed the market, there would be a 20% opportunity we could continue to go higher in values, and an 80% opportunity that we were due for a correction. (Of procedure we all know what happened, but this is what I would propose without knowing what the future had in the cards.) I feel just the opposite for today's market; there is more likely a opportunity the shop continues to improve rather than stagnate further. Take into account the astonishing interest rate environment, the reduced prices and the options that buyers have by means of the comprehensive supply of homes on the market, and you would terminate that there is a great deal of opportunity in the marketplace, and it is a great time to be a buyer of real estate right now. We are advising our clients to consider entering the shop or investing now before interest rates rise or you get priced out of the market, or competition increases substantially - or a blend of all 3.

Over the procedure of 2012, who knows what can and will happen on a national scale, but San Diego will continue to progress, steadily doing its thing, and being one of the front runner cities that is leading the nation out of stepping back and into the recovery. Expect to see that the normal consensus for real estate to improve. Expect modest improvements in prices at a strong singular digit increase rate. You can still expect to see a lot of superfluous hyperbole within the media on a national scale when it comes to the housing market, but know that San Diego has a strong industry base that creates decent jobs, substantiates prices, and allows for upside and growth. We've been brought into the fire, and we are on our way out. It's leading to charge the opportunity while the iron is hot, and while there is still a primary whole of population who still don't believe we have hit bottom yet.

For Sellers:

Because we will not be vacillating much in price in the near future, holding out to sell for a higher price may not be the most advisable thing to do unless you can hold out and wait for years. I know a few owners who think that the future of home prices will depend on if a republican or democrat is in the white house - although this may have some result in the long term and on a very indirect basis - remember, all real estate is local. I feel that holding out a year or so won't net you too much more or less than where we stand today, so it makes sense to make a move now so that you can take advantage of the great buying opportunities in the shop for your replacement. For those homeowners who are inspecting doing a short sale, 2012 is the last year that the Irs will exempt the forgiven debt for anyone that completes a successful short sale. If it's your traditional house, and you are underwater, you will have to pay wage taxes on the forgiven debt after the end of this year, so talk with your Tax professional, because if this is something that is the best financial path forward, then it's leading that you act quickly in order to get the ball rolling as it does take 4 months at the least for a successful short sale from start to finish. Overall, there are opportunities in this shop for sellers as well as buyers, just make sure that your moves align with your long term goals, and use your expert Realtor or financial expert for assistance.

For Investors:

Multi-Family asset is a asset type that we feel very strongly in favor of for the foreseeable future. More population and fewer buildable areas in San Diego means more density, and therefore more inquire for multi-family housing as it is both affordable and suitable (usually in densely populated areas) For these reasons, we are advising our investor clients to consider 2-4 unit and 5+unit apartment unit investments as a astonishing strategy interesting forward. This asset type has more immediate and long term upside not only for the reasons mentioned above, but also because rents have not decreased as much as prices have over the past 5 years, yet the prices for venture properties have come down considerably. Even if you are an investor for a singular condo unit, prices have come down so much, yet as I mentioned above, rents remain high, and cash-flow is truly realized, but more importantly, appreciation is on the horizon. In so many cases, you cannot go wrong when the basic real estate being invested in is San Diego where it truly is paradise.

All in all, we look for 2012 being a "turning point" type of year. One where not only the fundamentals begin to substantially turn for the good (like unemployment and local Gdp) but also the group perception of real estate in general. The shop is poised for a decent year, but not a full blown economic recovery like some would hope. However, many continue to believe that the shop will continue to erode and worsen, and we just don't feel that this is in the cards given the facts and diagnosis we have reviewed. If you can get into this market, buyers can comprehend a solid performing asset at a great price and lock in astonishing interest rates, and investors can accumulate a astonishing opportunity including both cash-flow and appreciation. For sellers, there's not much to gain or lose short term in this market, unless you are inspecting doing a short sale. No matter what your situation, I hope you make 2012 great and take advantage of the great opportunities that lie ahead. Success and prosperity is ahead, please be ready for it!


2012: store Prediction For Buyers, Sellers and Investors for Real Estate in the San Diego store


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► W Motors Lykan Hypercar - First Arabian Supercar



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► W Motors Lykan Hypercar - First Arabian Supercar



W Motors unveils the Lykan Hypercar at the Qatar Motor Show 2013. The Lycan is provided of a Flat 6 twin-turbo 750 Horsepower (395 km/h / 245 mph) and features a holographic display, an ID4 motion dashboard and uniquely designed seats. Adding a touch of modern luxury with the integration of the most refined and luxurious materials both inside and outside, the Lykan comes with gold-stitched interiors, a 24/7 concierge service and a patented design Cyrus Klepcys watch, that has been dedicated to Lykan owners only. The limited edition Lykan is priced at 3.4 million Dollars making it one of the most exclusive and exquisite cars in the world. ► www.facebook.com

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Footprints to Success: The Five Priorities of Strategic Planning in Wholesale Distribution


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Strategic planning is a management tool. It is used to help an assosication clarify its future direction - to focus its energy, and to help members of the assosication work toward the same goals. The planning process adjusts the organization's direction in response to a changing environment. Strategic planning is a disciplined exertion to support basic decisions and actions that shape and guide what an assosication is, what it does and why it does it, with a focus on where it wants to go and how it is going to get there.

Discipline is a prerequisite to this process because it requires laser-like persistence to bring about a effective strategic planning initiative. The process raises a sequence of questions that helps planners seek current reality, test assumptions, regain and consolidate data about the present, and accomplish trend prognosis on the future business environment.

Fundamental decisions, actions and choices must be made in order to establish a plan that provides the "Footprints to Success." The plan is finally no more, and no less, than a set of decisions about what to do, why to do it, and when and how to do it.

The scope of the strategy development process for any seller is dependent upon personel firm needs. The strategic planning process is a time and resource-consuming exertion that involves many habitancy in the organization. This process includes both tactical and strategic application.

A valuable factor in developing a strategic plan is seeing at the end game first. Just exactly what do you want your firm to be when it grows up? Ask yourself the following questions from the perspective of seeing five years into the future.

1. What markets will your firm be serving five years from now?

2. What products will you be distributing?

3. Who are your original competitors?

4. What are your strengths?

5. What are your competitors' strengths?

6. How has your marketing strategy changed?

7. What are your core competencies?

8. What is the size of your earnings stream?

9. How is your earnings stream segmented?

These are just a few sample questions, but don't stop there. After you've tried to visualize your corporate profile five years in the future, the next step is scenario planning. It's the old "What If" analysis. What if you lose your major stock line? What if your three biggest competitors come to be part of a consolidator roll up? What if you dramatically turn your stock contribution so it doesn't even look as if the business you laid out today? How will e-business impact your strategy? identify that an e-strategy should not exist in isolation from your thorough firm strategy. Remember that e-anything is only a tool while your firm vision is the guide on how you use your tools.

Follow the Strategic mental Process

Strategic mental by a strategy team leader provides a platform for the seller that identifies the "end game" vision, determines core initiatives to accomplish the vision, develops connected Sips (Strategic Implementation Plans), and coaches the executive strategy team in preparation a presentation of their strategic document to the rights or Board for approval. After approval is granted, this document becomes the basis for launching the total firm planning process.
Tactical issues such as sales strategies, performance accountability and recompense issues may also be included.

The Strategy development Process

Phase I: Company Internal Survey

Preparation

A web-based seek is developed focusing on all aspects of the organization. This generates valuable, definite feedback from the employees. This seek is synthesized, analyzed and discussed at the strategy kickoff meeting.

End Game Definition

Through the use of brainstorming and scenario planning, the Ceo and rights originate a photograph of what the firm will be and how it will function 5 to 10 years into the future. This process can be as simplistic as developing a well understanding out visionary mission statement to doing actual "what if" scenario prognosis identifying exact desirable future objectives.

Phase Ii:

Kick off Strategy development Meeting - End Game Presentation

The Ceo/Owner presents the end game prognosis developed to the strategy team. Open consulation may or may not occur at this juncture. However, further consulation will take place after the Ceo excuses himself from the meeting. This consulation will be moderated by a facilitator to get consensus of the end game by the strategy team. The end game may be challenged only if other alternative is offered.

Survey Presentation

A copy of the completed seek is handed out. A facilitator presents the prognosis of the seek identifying key issues. A consulation of the issues is conducted but the consulation is controlled and kept informal without trying to solve world hunger at this one-day meeting.

Strategy development Kickoff

A brief 60-minute strategy planning presentation is conducted by the facilitator to walk the participants straight through the process. The end game exercise is discussed and defined. This is meant to clarify the starting of the process. After the plan is completed a presentation will be made to the ownership, President and Board, gaining approval of the strategic plan prior to actual start and performance of the strategy.

Doing nothing is not an option

As we've discussed, strategic planning involves anticipating the future environment and creating an end game prognosis so the decisions are made in the present. This means that over time, the assosication must regularly accomplish trend prognosis in order to make the best decisions it can at any given point - it must manage, as well as plan, strategically.

Strategic planning is not a substitute for the exercise of judgment by leadership. finally "the buck stops somewhere." The strategic planning process does not make the assosication work - it can only support the sound judgment and mental skills that habitancy bring to the organization.

Strategic planning is a creative process. The fresh understanding it engenders might very well alter past initiatives. Planning also consumes resources which are costly commodities. It can be an astounding and daunting task, but it is a process that finally defines the direction and activities of the organization. Despite its astounding nature, the benefits of planning can far outweigh the hard work and pain involved in the process.

I cannot emphasize enough that the true value of a strategic plan is not in the document itself. It is in the process of creating it, appealing many of your employees from the lowest up. This empowers them to be more effective and better-informed leaders, managers and decision makers. The time devoted to the planning process varies from assosication to assosication and you must rule how much time you will devote to the kick off planning process meeting. This can take the form of a two-day retreat or it can be an extended process. The assosication will begin to realize benefits from the start. basic benefits to the planning process include:

o A framework and a clearly defined direction with unified support

o A clear vision and purpose that is owned by all employees

o Commitment to the assosication and its goals by the employees

o Set priorities that match firm resources

o Trend prognosis that creates trust in the quality to take risks

o Accountability

Readiness Factors

The planning process is a major exertion and timing is critical. There are determined organizational elements that must be in place in order to ensure that the planning process will provide the maximum advantage to the organization. You must clearly understand the organization's current state and readiness to engage in the planning process. There are a number of preparatory steps that should be complete prior to the start. An internal honest-gut-check assessment is recommended. Preferably an face consultant with a fresh pair of eyes does this. Additionally, as mentioned earlier, third party customer, vendor and worker surveys should be conducted. Other items to regain at the onset include:

o A commitment on the part of executive management and ownership

o Resolution of all crises and life threatening issues

o Ownership and board support

o A commitment of valuable resources

o A willingness to think face the box and to look at new approaches to performing and evaluating the "business"

o A basic understanding of scenario planning

The key resources required for planning contain staff time, executive management time and finances (e.g., store research, consultants, etc.).

Staffing demands include:

o Collecting and analyzing data

o Scenario planning

o Engaging key stakeholders

o Gathering historical financial information, projecting future budgets and cash flow projections

o Analyzing options and consequences for inherent organizational and program strategies

o End game analysis

Project Management

Project management becomes valuable to the strategic planning process. performance is the key to success. habitancy have different expectations when they hear the word "planning."

Everyone must understand and share the same set of expectations. It is very helpful if one or two key staff members are skilled in scheme management.

A team leader will facilitate the development of a work plan which is an frame of the steps and activities that will take place while the planning process. The plan specifies the tasks, outcomes and resources to be expended, as well as the habitancy responsible for each phase of the process.

How do you get started?

1st Priority:

If you have carefully your readiness factors straight through assessment and you have performed the valuable preparatory research, then you are ready to start the process. The following items should come to be your first priority.

o Create a Planning Committee

o Assign a team leader

o Identify exact ongoing initiatives

o Clarify roles (who does what in the process)

o Identify any further research or face resources valuable to sustain you while the process

2nd Priority:

The second priority is to originate the end game vision with solution from rights and the executive staff. The core strategy statement is an initial paragraph that clearly defines the end game in understandable and measurable terms; it lets the reader know where the firm intends to go. The end game must tell the essence of the organization. Articulating the end game indicates your focus and purposefulness. The end game and its clarifying core strategy statement should contain:

o Purpose - why the assosication exists and what it seeks to accomplish

o Business - the main recipe or performance straight through which the assosication tries to fulfill this purpose

o Values - the principles or beliefs that guide an organization's members as they pursue the organization's purpose

o Specific-long term financial objectives

The core strategy statement summarizes the what, why and how much of an organization's objectives. It presents an image of the character, the culture and the core values of the organization.

3rd Priority:

The third priority entails performing the S.W.O.T. prognosis (strengths, weaknesses, opportunities and threats). A S.W.O.T. prognosis means obtaining current data about the organization's strengths, weaknesses and performance data that will highlight the valuable issues that the assosication faces. These come to be key issues the strategic plan must address. These could contain a range of original concerns, such as funding issues, new program opportunities, changing regulations or changing needs in the client population, and so on. The point is to select the most important issues to address. valuable constraints should simply emerge from this process. Identifying valuable constraints is the original guess for doing a Swot analysis.

4th Priority:

The fourth priority is to begin to establish departmental initiatives required to support the end game.

Strategies, goals and objectives may come from personel inspiration, group discussion, formal decision-making techniques and so on - but the lowest line is that leadership agrees on how to address the valuable issues.

This can turn into a negotiating process and eat up valuable time and flexibility. It is inherent that new insights will emerge which turn the thrust of the end game. It is important that planners are not afraid to go back to an earlier step in the process and take advantage of available data to originate the best inherent plan.

"Changing the end game is not a crime."

5th Priority:

The fifth priority and end to this explanation of the process is producing the completed, documented plan. The end game has been articulated, the issues identified and the goals and strategies agreed upon. This step essentially involves putting all that down on paper. A planning consultant can be used to draft the final document and submit it for tell to all key decision makers (usually the board, Ceo and ownership). This is now the starting of the process of developing personel departmental firm plans congruent to, and supportive of, the strategic plan. These firm plans should contain departmental budgets.

Conclusion

Strategic planning involves seeing at a longer time horizon, identifying future trends and developing performance plans based on the highest probabilities. A good strategic planning process will enable a firm to anticipate changing trends and implement actions that will enable them to gain or contend contentious advantage. Add scenario planning and they can be ready for just about any consequence the store may throw their way.

Developing a well understanding out strategy that involves much of the whole assosication provides the "Footprints to Success." It is now up to the executive team to lead the assosication along the path these footprints follow.


Footprints to Success: The Five Priorities of Strategic Planning in Wholesale Distribution


The Wolves

► W Motors Lykan Hypercar - First Arabian Supercar



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► W Motors Lykan Hypercar - First Arabian Supercar



W Motors unveils the Lykan Hypercar at the Qatar Motor Show 2013. The Lycan is provided of a Flat 6 twin-turbo 750 Horsepower (395 km/h / 245 mph) and features a holographic display, an ID4 motion dashboard and uniquely designed seats. Adding a touch of modern luxury with the integration of the most refined and luxurious materials both inside and outside, the Lykan comes with gold-stitched interiors, a 24/7 concierge service and a patented design Cyrus Klepcys watch, that has been dedicated to Lykan owners only. The limited edition Lykan is priced at 3.4 million Dollars making it one of the most exclusive and exquisite cars in the world. ► www.facebook.com

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How to Play Bass - The 10 Songs You Need to Learn As a Working Bass Player


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If you want to make a living as a bass player there are any things you'll probably have to do make your dream happen. One of them is that at some stage you'll have to teach newbies to the bass guitar (we're assuming here that you've been playing a few years and that you've got a good handle on how to play bass guitar).

The second is that you'll play gigs for one of the zillions of wedding and party bands in the Uk.

If you play in one of these wedding and party bands there are songs that you'll be staggering to know.
The top 10 of these songs are as follows:

1. Brown Eyed Girl (by Van Morrison)
2. Dancing Queen (by Abba)
3) We Are family (by Sister Sledge)
4) Le Freak (by Chic)
5) Disco Inferno (by The Trampps)
6) Lady Marmalade (by Patti Labelle)
7) I Don't Feel Like Dancing (by Scissor Sisters)
8) Valerie (the Amy Winehouse version, not the Zutons)
9) Summer of 69 (by Bryan Adams)
10 ) Superstition (by Stevie Wonder)

If you don't know these songs, download the originals from iTunes and get studying them. Learn them wholly in the customary key first. Then try transposing them up and down a tone. Maybe even a minor third as well.

If you've got a Tascam Bass teacher you can burn a Cd, put it in the Bass trainer, and plug your bass in and play along. The Bass teacher will allow you to convert the pitch of the song in semi tone increments Without changing the tempo of the tune. That way you can play straight through the song in different keys and prepare yourself for the gig where the singer has got a sore throat and everything goes down a tone.

There are other songs you'll need to know as well of course, but if your goal is to make some cash playing with a wedding/party band then these 10 are a good place to start.

(Please note: this report refers to the Uk. In other territories playlists will probably be different)


How to Play Bass - The 10 Songs You Need to Learn As a Working Bass Player


The Wolves

► W Motors Lykan Hypercar - First Arabian Supercar



Samsung Galaxy

Video Clips. Duration : 4.65 Mins.



► W Motors Lykan Hypercar - First Arabian Supercar



W Motors unveils the Lykan Hypercar at the Qatar Motor Show 2013. The Lycan is provided of a Flat 6 twin-turbo 750 Horsepower (395 km/h / 245 mph) and features a holographic display, an ID4 motion dashboard and uniquely designed seats. Adding a touch of modern luxury with the integration of the most refined and luxurious materials both inside and outside, the Lykan comes with gold-stitched interiors, a 24/7 concierge service and a patented design Cyrus Klepcys watch, that has been dedicated to Lykan owners only. The limited edition Lykan is priced at 3.4 million Dollars making it one of the most exclusive and exquisite cars in the world. ► www.facebook.com

► W Motors Lykan Hypercar - First Arabian Supercar

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Costume Non-Prescription Scary perceive Lenses Are Gaining In Popularity Due To The Look They create


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Costume non-prescription scary perceive lenses originate a great Halloween accessory.
These perceive lenses are specifically designed to enhance a Halloween costume.
Per the websites that sell these lenses, there is no prescription required.

But some habitancy wear these perceive lenses as enhancements to their every day attire. It does not matter what whatever thinks about this scary eye candy. Hollywood has sanctioned the use of these costume non-prescription scary lens as an daily accessory. Teenagers and some plain strange folks wear these scary perceive lenses daily so they can get attention.

Several schools have banned the wearing of these perceive lens on school grounds and in classes. If they do not enhance or exact vision, they are not allowed. Trying to be distinct is the only imagine to wear these perceive lenses on a daily basis. But peer pressure sometimes military kids into being alike so kids have to find a way to be unique.

Well unique describes this style of perceive lens precisely. These types of perceive lenses were designed for special effects in Hollywood films, theatrical productions and musical videos. These perceive lenses are non-prescription perceive lenses and should be worn for very short periods of time.

Cooper vision and other brand name eye car associates offer these funky costume non-prescription scary perceive lenses and other unique styles of perceive lenses in array of styles and colors. Crazy Lenses is other of the top producers of special effects perceive lenses.

These costume type perceive lenses are showing up on the runways in haute couture fashion shows as well as on the street of New York, Paris and Milan. Even the red carpets in Hollywood are not immune to these scary perceive lenses.

These special-effect perceive lenses are not worn by habitancy who need vision revision because the lenses are not created for that purpose. every person can order these perceive lenses from the constructor without a prescription. Many of the purchasers of these perceive lenses are first time perceive lens users.

Some of the most popular costume non-prescription scary perceive lens designs include:

*Blood Shot Eyes perceive lenses have a white base with bloody red vessels that emanate from the outer projection of the lenses toward the center.

*Spiral Black and Spiral Red perceive lenses provide a look of bewilderment. No one can tell where you are looking. They just know they don't want to look at you.

*Blood Red perceive lenses are always popular for the Halloween parties.

*Red Wolf and Black Wolf Crazy lenses are solid red with yellow information to originate a wolf eye effect.

*Cat eye perceive lenses is a pure yellow lens with black detailing to originate a slit the same as a cat's eye

*Reptile perceive lenses are also referred to as Lizard perceive lenses and Alien perceive lenses. The Reptile Green Crazy lens is a solid green perceive lenses with black detailing

There are other popular special ensue lenses available. These are cosmetic perceive lenses that turn eye color or provide special affects together with eye designs. These perceive lenses are very popular among teens and the young adult population..


Costume Non-Prescription Scary perceive Lenses Are Gaining In Popularity Due To The Look They create


The Wolves

► W Motors Lykan Hypercar - First Arabian Supercar



Samsung Galaxy

Tube. Duration : 4.65 Mins.



► W Motors Lykan Hypercar - First Arabian Supercar



W Motors unveils the Lykan Hypercar at the Qatar Motor Show 2013. The Lycan is provided of a Flat 6 twin-turbo 750 Horsepower (395 km/h / 245 mph) and features a holographic display, an ID4 motion dashboard and uniquely designed seats. Adding a touch of modern luxury with the integration of the most refined and luxurious materials both inside and outside, the Lykan comes with gold-stitched interiors, a 24/7 concierge service and a patented design Cyrus Klepcys watch, that has been dedicated to Lykan owners only. The limited edition Lykan is priced at 3.4 million Dollars making it one of the most exclusive and exquisite cars in the world. ► www.facebook.com

► W Motors Lykan Hypercar - First Arabian Supercar

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What Are Goji Berries and Are They the Same As Wolfberries?


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There's a powerful little red berry that grows all colse to the world, and habitancy in dissimilar places call it by dissimilar names. Many English speaking habitancy call it a Wolfberry, and nowadays even more English speakers are calling it a Goji Berry. But it's legitimately the very same thing.

As we all know, Science assigns two Latin names to every botanical organism, a genus and a species. Two plants that are even a little dissimilar from each other have dissimilar species names. Thus, if two plants have the same genus and species names, they're the same plant. habitancy can call them by dissimilar names, but that doesn't turn the fact that they're legitimately the same thing.

The Goji berry/Wolfberry plant, whose genus is Lycium, has two closely connected species. One species is known as Barbarum and the other is Chinensis. Both species grow in many places on the earth.

Since habitancy in dissimilar countries tend to speak dissimilar languages, it's not surprising that Chinese and Tibetan habitancy don't call these berries wolfberries. China has many dialects. The plant is oftentimes called gǒuqǐ and the berries are called gǒuqǐzi (zi means "berry.") "Goji" is a simplified pronunciation of gǒuqǐ.

A similar word can be found in other languages. For example, in Korea the berry is called gugija, and in Thailand it is known as găo gè. Tibetan has many names for the berries, together with qouki, qou ki ji, quak qou, kew ji, and kew ki. In Japanese the plant is called kuko and the fruit is known as kuko no mi or kuko no kajitsu.

In about 1973, the word "Goji" began to be used for the first time in English so English speakers could have a word for this berry that was similar to these Asian words. Since then, the word "Goji" has been exploited by many marketers as the berries have appeared in more and more natural foods stores in the U.S. The new word "Goji" is now quite ordinarily used.

It's not legitimately clear where the word "wolfberry" originated. One ideas is that it comes from the place name "Lycia", the ancient name for Anatolia, in Turkey, and "Lycia" can be heard in the name Lycium Barbarum. "Barbarum" means that the wolfberry plant might have come from elsewhere, such as China, originally.

But this doesn't clarify why it has the word "wolf" in it. Thus, another possibility is that Lycium Barbarum comes from the Greek word "Lycos," or Wolf. Wolves do eat berries and other fruits to get needed fiber in their diets. They also eat tomatoes, the Latin name of which means "Wolf Peach" (Solanum lycopersicum.) The word "lycos," or wolf, can be seen in the Latin.

The genus Tomato (Solanum) contains another species, lycocarpum, which translates to Wolf Apple. This medium sized yellow tomato isn't well-known to many of us because it grows in South America. South American wolves eat them! It's not the same plant as the tomato we're used to in North America. What's my point? I'm getting to that...

Goji berries and Wolfberries are in the Nightshade house (Solanaceae), and so are tomatoes! Nightshades are an important source of food and spice. Nightshade species consist of potatoes, eggplant, tomatoes, peppers, chili peppers (capsicum), deadly nightshade (belladonna), datura (jimson weed), tobacco, mandrake, wolfberry and many more.

Many of the species in this important house of foods are used in manufacture herbal medicines by native peoples all colse to the world. Some of them have psychoactive properties. Goji berries are legendary as a medicinal plant and have been used as such for many centuries in many countries.

Goji berries and wolfberries have lots of other names such as boxthorn, Duke of Argyll's Tea Tree, Matrimony Vine, Bocksdorn, Cambronera, Chinese Wolfberry, and Red Medlar.

The point here is that Lycium Barbarum and Lycium Chinensis are two completely dissimilar species, two completely dissimilar plants. Many habitancy proclaim dissimilar names for them. They claim, for example, that "Tibetan Lycium Eleagnus Barbarum" is the Real Himalayan Gogi berry, even though it doesn't legitimately exist as a species.

There's no query that these two species have dissimilar medicinal and nutritional properties, Because they're dissimilar species. In fact, it's not only that dissimilar species are dissimilar from each other, it's also true that all the many Varieties of any one species are somewhat dissimilar chemically and therefore nutritionally.

In some gargantuan areas of Tibet and northern China there is what is ordinarily known as the "Goji belt," a fertile high altitude region where Goji plants are cultivated and grow wild. The "highest quality" Goji berries are produced in the best location and climate, which turns out to be this Goji belt. This is because of the purity of the water and the mineral-rich soil washing down from the high mountains.

The political strife going on between Tibet and China is well known. There is also Tibetan/Chinese political strife about what defines a Goji berry. From a Western perspective, this is just plain confusing.

Additionally, the name Tibet carries an unmistakable mystique. It's therefore easy for Western marketers to capitalize on it, claiming the superiority of Tibetan Goji berries over all others. But, as we've shown, from a scientific perspective, "Tibetan" Goji berries don't exist.

Tibet, a country more vertical than horizontal, mostly dry, infertile and arid, with few roads among the top mountains in the world, is not renowned for farming. It's adjacent to China. The political boundaries legitimately don't matter to the land or the Goji plants; instead, as has been mentioned, the soil and the climate are the important factors when growing Chinese wolfberries and Goji berries.

The top capability berries have the top levels of glyconutrients and are grown in Ningxia and Xinjiang provinces in China, right in the Goji belt. These areas have exceptional growing seasons, unusually alkaline soil, sufficient rainfall and extreme temperature fluctuations from 102 to -16 degrees F.

The Goji belt produces four grades of Goji berries: super, king, special and Grade A. The largest berries are "super," second largest are "king," etc. You might find marketers advertising their berries as the biggest, but they're still all the same berry, Lycium Barbarum. They're that unless, of course, they're Lycium Chinensis.

Wolfberries, Gojis, they're wonderful. It's easy for politics and marketers to confuse and blow smoke all colse to a bushel of Goji berries or Goji juice. However, nothing clouds the central fact that this unique little berry is the biggest nutritional powerhouse in the world!


What Are Goji Berries and Are They the Same As Wolfberries?


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HOT THIS WEEK: Feb. 8, 2013



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Tube. Duration : 1.45 Mins.



HOT THIS WEEK: Feb. 8, 2013



February 8, 2013. Our weekly wrap-up show covers the biggest premieres and best VEVO originals from this week as well as what's on tap for next week! Tag your pics with #VEVOHTW on Instagram and you might be included in our next episode! © 2013 VEVO P!nk- Just Give Me A Reason Ft. Nate Ruess vevo.ly Austin Mahone- Say You're Just A Friend vevo.ly The Cataracs- Alcohol (Remix) Ft. Sky Blu vevo.ly Get To Know: Una (VEVO LIFT) vevo.ly

HOT THIS WEEK: Feb. 8, 2013

HOT THIS WEEK: Feb. 8, 2013


HOT THIS WEEK: Feb. 8, 2013

HOT THIS WEEK: Feb. 8, 2013

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Caliber Funding Mortgage - The time to come of Residential Lending Or a Wolf in Sheep's Clothing


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We've all been affected in one way or the other by the whole mortgage mess (or for many of us, we've been affected in many, many ways). For the most part, I think it's safe to say that most of the effects the median person has felt from the mortgage meltdown over the past few years has been nothing short of devastating. The whole world is still reeling from the catastrophic financial implosion caused by irresponsible lenders who were more than ready to make a loan to just about anyone who could fog a mirror, so long as they got their commissions.

And did they ever get their commissions! To the tune of billions and billions of dollars that went straight through the mortgage business in the way of fees, commissions and bonuses. In the meantime, a huge chunk of the general collective has found themselves forced into foreclosure and homeless. Not a pretty picture at all, and categorically not one to be proud of or that anyone should want to repeat. It's no wonder that there has been such a strong push for mortgage reform coming from all angles.

Thankfully, many of the lenders who robbed Peter to pay Paul (while taking a very kind slice off the top in the process, thank you very much), have gone belly up. They weren't too big to fail, apparently, and so they are no longer around. What we have now are many of the top names in the banking world who are clearly no fly-by-night operations. Lenders such as Bank of America, Wells Fargo and Chase, to name a few (actually, there categorically aren't a whole lot more to name anymore anyway!)

However, in the middle of these monster banks and the ever decreasing estimate of mortgage brokers who remain (one has to fantasize their days are numbered), we are beginning to find a few new names popping up here and their to fill the gaps as mortgage bankers (somewhere in the middle of a bank and a broker).

In theory, this is a good thing. After all, you don't want just 2 or 3 clubs controlling all the mortgage lending in the country, right? On the other hand, one has to wonder who these "new" names are, and are they new faces too, or just the same old wolf in sheep's clothing?

One of the new names that you might not have heard about yet is Caliber Funding Mortgage. They promise to be the next great thing in the residential mortgage world, being backed by a multi-billion dollar fund out of Texas. They claim to have the most recent and many technology to make the process smooth, quick and easy. Sounds pretty good, right? But who exactly is manufacture these claims?

If you look into who is behind the operations at Caliber Funding, you might be surprised. (Then again, maybe you Wont be surprised...)

Running the company is William "Bill" Fruit. Prior to becoming President of Caliber Funding, Llc, Bill was Managing Director of Finance for Countrywide Home Loans, and prior to that, Svp - department Finance Officer at Washington Mutual (ie: WaMu).

Greg Sayegh is the Director of National production at Caliber Funding today. Previously he worked as Evp at Countywide Home Loans and before that he had the title of Svp, sell Loan production at... (can you guess?)... Washington Mutual.

Linwood "Lenny" McNeill, is currently in payment of growing production for Caliber Funding, Llc on the West coast. Can you guess his two prior employers? If you guessed Countrywide and WaMu, you win a cookie!

Now, one might look at all this sense and think, "Wow! This relatively new, unknown company called Caliber Funding, Llc has all this experience. They must know what they're doing!" And that is categorically one way to look at it. However, there is another.

According to an April 16th, 2010 report on Cnn.com, WaMu's menagerial management's sense might not be what you're looking for. "The demise of Washington Mutual, the biggest bank failure in U.S. History, was due largely to a high-risk lending strategy pursued by the company's management, agreeing to a government report released Friday. "

I comprehend that looking in the rear view mirror is no way to move send in this life, but nonetheless, when it comes to my home, my future, and the time to come of those I care about, I always think it's wise to know exactly who I'm dealing with, and what kind of track report they bring along with them. Whether Caliber Funding Mortgage is the new deal in a new era of mortgage lending, or just the same old wolf in new sheep's clothing has yet to be determined. Stay tuned.


Caliber Funding Mortgage - The time to come of Residential Lending Or a Wolf in Sheep's Clothing


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► W Motors Lykan Hypercar - First Arabian Supercar



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Video Clips. Duration : 4.65 Mins.



► W Motors Lykan Hypercar - First Arabian Supercar



W Motors unveils the Lykan Hypercar at the Qatar Motor Show 2013. The Lycan is provided of a Flat 6 twin-turbo 750 Horsepower (395 km/h / 245 mph) and features a holographic display, an ID4 motion dashboard and uniquely designed seats. Adding a touch of modern luxury with the integration of the most refined and luxurious materials both inside and outside, the Lykan comes with gold-stitched interiors, a 24/7 concierge service and a patented design Cyrus Klepcys watch, that has been dedicated to Lykan owners only. The limited edition Lykan is priced at 3.4 million Dollars making it one of the most exclusive and exquisite cars in the world. ► www.facebook.com

► W Motors Lykan Hypercar - First Arabian Supercar

► W Motors Lykan Hypercar - First Arabian Supercar


► W Motors Lykan Hypercar - First Arabian Supercar

► W Motors Lykan Hypercar - First Arabian Supercar

No URL ► W Motors Lykan Hypercar - First Arabian Supercar




W Motors unveils the Lykan Hypercar at the Qatar Motor Show 2013. The Lycan is provided of a Flat 6 twin-turbo 750 Horsepower (395 km/h / 245 mph) and features a holographic display, an ID4 motion dashboard and uniquely designed seats. Adding a touch of modern luxury with the integration of the most refined and luxurious materials both inside and outside, the Lykan comes with gold-stitched interiors, a 24/7 concierge service and a patented design Cyrus Klepcys watch, that has been dedicated to Lykan owners only. The limited edition Lykan is priced at 3.4 million Dollars making it one of the most exclusive and exquisite cars in the world. ► www.facebook.com




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Caliber Funding Mortgage - The time to come of Residential Lending Or a Wolf in Sheep's Clothing



Caliber Funding Mortgage - The time to come of Residential Lending Or a Wolf in Sheep's Clothing
Caliber Funding Mortgage - The time to come of Residential Lending Or a Wolf in Sheep's Clothing






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February 8, 2013. Our weekly wrap-up show covers the biggest premieres and best VEVO originals from this week as well as what's on tap for next week! Tag your pics with #VEVOHTW on Instagram and you might be included in our next episode! © 2013 VEVO P!nk- Just Give Me A Reason Ft. Nate Ruess vevo.ly Austin Mahone- Say You're Just A Friend vevo.ly The Cataracs- Alcohol (Remix) Ft. Sky Blu vevo.ly Get To Know: Una (VEVO LIFT) vevo.ly




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What Are Goji Berries and Are They the Same As Wolfberries?



What Are Goji Berries and Are They the Same As Wolfberries?
What Are Goji Berries and Are They the Same As Wolfberries?






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W Motors unveils the Lykan Hypercar at the Qatar Motor Show 2013. The Lycan is provided of a Flat 6 twin-turbo 750 Horsepower (395 km/h / 245 mph) and features a holographic display, an ID4 motion dashboard and uniquely designed seats. Adding a touch of modern luxury with the integration of the most refined and luxurious materials both inside and outside, the Lykan comes with gold-stitched interiors, a 24/7 concierge service and a patented design Cyrus Klepcys watch, that has been dedicated to Lykan owners only. The limited edition Lykan is priced at 3.4 million Dollars making it one of the most exclusive and exquisite cars in the world. ► www.facebook.com




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Costume Non-Prescription Scary perceive Lenses Are Gaining In Popularity Due To The Look They create



Costume Non-Prescription Scary perceive Lenses Are Gaining In Popularity Due To The Look They create
Costume Non-Prescription Scary perceive Lenses Are Gaining In Popularity Due To The Look They create






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W Motors unveils the Lykan Hypercar at the Qatar Motor Show 2013. The Lycan is provided of a Flat 6 twin-turbo 750 Horsepower (395 km/h / 245 mph) and features a holographic display, an ID4 motion dashboard and uniquely designed seats. Adding a touch of modern luxury with the integration of the most refined and luxurious materials both inside and outside, the Lykan comes with gold-stitched interiors, a 24/7 concierge service and a patented design Cyrus Klepcys watch, that has been dedicated to Lykan owners only. The limited edition Lykan is priced at 3.4 million Dollars making it one of the most exclusive and exquisite cars in the world. ► www.facebook.com




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How to Play Bass - The 10 Songs You Need to Learn As a Working Bass Player



How to Play Bass - The 10 Songs You Need to Learn As a Working Bass Player
How to Play Bass - The 10 Songs You Need to Learn As a Working Bass Player






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W Motors unveils the Lykan Hypercar at the Qatar Motor Show 2013. The Lycan is provided of a Flat 6 twin-turbo 750 Horsepower (395 km/h / 245 mph) and features a holographic display, an ID4 motion dashboard and uniquely designed seats. Adding a touch of modern luxury with the integration of the most refined and luxurious materials both inside and outside, the Lykan comes with gold-stitched interiors, a 24/7 concierge service and a patented design Cyrus Klepcys watch, that has been dedicated to Lykan owners only. The limited edition Lykan is priced at 3.4 million Dollars making it one of the most exclusive and exquisite cars in the world. ► www.facebook.com




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Footprints to Success: The Five Priorities of Strategic Planning in Wholesale Distribution



Footprints to Success: The Five Priorities of Strategic Planning in Wholesale Distribution
Footprints to Success: The Five Priorities of Strategic Planning in Wholesale Distribution






The Wolves


W Motors unveils the Lykan Hypercar at the Qatar Motor Show 2013. The Lycan is provided of a Flat 6 twin-turbo 750 Horsepower (395 km/h / 245 mph) and features a holographic display, an ID4 motion dashboard and uniquely designed seats. Adding a touch of modern luxury with the integration of the most refined and luxurious materials both inside and outside, the Lykan comes with gold-stitched interiors, a 24/7 concierge service and a patented design Cyrus Klepcys watch, that has been dedicated to Lykan owners only. The limited edition Lykan is priced at 3.4 million Dollars making it one of the most exclusive and exquisite cars in the world. ► www.facebook.com




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2012: store Prediction For Buyers, Sellers and Investors for Real Estate in the San Diego store



2012: store Prediction For Buyers, Sellers and Investors for Real Estate in the San Diego store
2012: store Prediction For Buyers, Sellers and Investors for Real Estate in the San Diego store






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W Motors unveils the Lykan Hypercar at the Qatar Motor Show 2013. The Lycan is provided of a Flat 6 twin-turbo 750 Horsepower (395 km/h / 245 mph) and features a holographic display, an ID4 motion dashboard and uniquely designed seats. Adding a touch of modern luxury with the integration of the most refined and luxurious materials both inside and outside, the Lykan comes with gold-stitched interiors, a 24/7 concierge service and a patented design Cyrus Klepcys watch, that has been dedicated to Lykan owners only. The limited edition Lykan is priced at 3.4 million Dollars making it one of the most exclusive and exquisite cars in the world. ► www.facebook.com




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2012: shop Prediction For Buyers, Sellers and Investors for Real Estate in the San Diego shop



2012: shop Prediction For Buyers, Sellers and Investors for Real Estate in the San Diego shop
2012: shop Prediction For Buyers, Sellers and Investors for Real Estate in the San Diego shop






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February 8, 2013. Our weekly wrap-up show covers the biggest premieres and best VEVO originals from this week as well as what's on tap for next week! Tag your pics with #VEVOHTW on Instagram and you might be included in our next episode! © 2013 VEVO P!nk- Just Give Me A Reason Ft. Nate Ruess vevo.ly Austin Mahone- Say You're Just A Friend vevo.ly The Cataracs- Alcohol (Remix) Ft. Sky Blu vevo.ly Get To Know: Una (VEVO LIFT) vevo.ly




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The Wolves

Footprints to Success: The Five Priorities of Strategic Planning in Wholesale Distribution



Footprints to Success: The Five Priorities of Strategic Planning in Wholesale Distribution
Footprints to Success: The Five Priorities of Strategic Planning in Wholesale Distribution






The Wolves


W Motors unveils the Lykan Hypercar at the Qatar Motor Show 2013. The Lycan is provided of a Flat 6 twin-turbo 750 Horsepower (395 km/h / 245 mph) and features a holographic display, an ID4 motion dashboard and uniquely designed seats. Adding a touch of modern luxury with the integration of the most refined and luxurious materials both inside and outside, the Lykan comes with gold-stitched interiors, a 24/7 concierge service and a patented design Cyrus Klepcys watch, that has been dedicated to Lykan owners only. The limited edition Lykan is priced at 3.4 million Dollars making it one of the most exclusive and exquisite cars in the world. ► www.facebook.com




Keywords:



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The Alpha Female - More Than a Woman



The Alpha Female - More Than a Woman
The Alpha Female - More Than a Woman






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