Tuesday, October 16, 2012

"New Product Developments in Alcoholic Drinks: A Marketer's Guide to the Galaxy of innovation"

2012-10-15 07:20:59 - Fast Market Research recommends "New Product Developments in Alcoholic Drinks: A Marketer's Guide to the Galaxy of innovation" from Euromonitor International, now available

As macroeconomic volatility, the mature versus emerging market narrative, the craft revolution coming of age and shifting demographics all radically reshape the alcoholic drinks battleground, innovation is accelerating and becoming more crucial than ever. Exploring key underlying themes and highlighting exemplary launches spearheading relevant trends, the report provides a category by category sneak peak of the industry's short to medium term future.

Euromonitor International's New Product Developments in Alcoholic Drinks: A Marketer's Guide to the Galaxy of innovation global briefing offers an insight into to the size and shape of the Alcoholic Drinks market in both the off-trade and the on-trade, it highlights buzz topics, emerging geographies, categories and trends as well as pressing industry issues and white spaces. It identifies

the leading companies and brands by total volume, offers strategic analysis of key factors influencing the market - be they new product developments, packaging innovations, economic/lifestyle influences, distribution or pricing issues. Forecasts illustrate how the market is set to change and criteria for success.

Full Report Details at
- www.fastmr.com/prod/494461_new_product_developments_in_alcoholic ..

Product coverage: Beer, Cider/Perry, RTDs/High-Strength Premixes, Spirits, Wine.

Data coverage: market sizes (historic and forecasts), company shares, brand shares and distribution data.

Why buy this report?

* Get a detailed picture of the Alcoholic Drinks market;
* Pinpoint growth sectors and identify factors driving change;
* Understand the competitive environment, the market's major players and leading brands;
* Use five-year forecasts to assess how the market is predicted to develop.

Euromonitor International has over 40 years' experience of publishing market research reports, business reference books and online information systems. With offices in London, Chicago, Singapore, Shanghai, Vilnius, Dubai, Cape Town, Santiago, Sydney, Tokyo and Bangalore and a network of over 800 analysts worldwide, Euromonitor International has a unique capability to develop reliable information resources to help drive informed strategic planning.

Report Table of Contents:

New Product Developments in Alcoholic Drinks: A Marketer's Guide to the Galaxy of innovation
Euromonitor International
October 2012
Introduction
Cross-Industry Parallels
Beer
Wine
Spirits
Cider/Perry
RTDs/High-Strength Premixes
The Importance of Packaging
Conclusions
Report Definitions

About Euromonitor International

Euromonitor International is a world leading independent provider of business intelligence on industries, countries and consumers. Their business intelligence products include award-winning online information databases, market reports and business reference books. Founded in 1972, Euromonitor International is a privately owned company with offices in London, Chicago, Singapore, Shanghai and Vilnius. Euromonitor has a team of over 600 in-country analysts worldwide, giving them a unique capability to deliver high quality and reliable business information. View more research from Euromonitor International at www.fastmr.com/catalog/publishers.aspx?pubid=1009

About Fast Market Research

Fast Market Research is an online aggregator and distributor of market research and business information. We represent the world's top research publishers and analysts and provide quick and easy access to the best competitive intelligence available.

For more information about these or related research reports, please visit our website at www.fastmr.com or call us at 1.800.844.8156.

Source: http://reports.pr-inside.com/new-product-developments-in-alcoholic-r3424227.htm

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Monday, October 15, 2012

Experts Consider DIY Plan for Credit Card Debt Management ...

Published 'Monday, October 15th, 2012 at 3:44 am

Though there are several debt management companies and financial advisors to help debtors in debt management by providing adequate solution, debtors should try to manage their debts on their own. This is an efficient option to contribute more towards debt repayments. Debtors can save the amount that goes for service fee and use the same for debt repayment. If you think debt management is rather a difficult task then professional?s guidelines can help in this context. You must know that credit card debt management strategy based upon one major principal that is paying more than the minimum recorded on the bills. It helps to clear debts faster and also cuts the interest that you on your debts. In order to manage credit card bills, you need to do small work outs.

Contact all credit card providers individually and ask for lower interest rate on. It is not that all creditors agree on lower rates but some of them may be. If this idea works then you end up by paying less on interest amount. Second important thing is to create a table representing all your credit cards. While preparing the table list, name of the card, interest rate, current minimum payment, due date and outstanding balance. If you are paying more than one interest rate on a card then always keep the higher one in the list. Calculate minimum monthly payment that you are paying by adding the minimum payments of each card. Add additional money that you can afford each month towards credit card debt payments. By paying more, you can get success to get rid of debts faster by debt management plan.

It is important to pay at least the minimum amount for each credit card dues. If you have extra amount then use that to pay off credit card debts of highest interest rate. If one credit card bills clear completely then move towards second highest interest rate credit card bills. Continue until you get out of debt in full.

24-mile skydive a boon for YouTube, social media

Felix Baumgartner's 24-mile skydive from the stratosphere on Sunday was a boon for social networks as millions of users shared in the wonder of the moment from their computers, tablets and phones.

Here's a look at how the world, through the Internet, watched the jump.

YOUTUBE:

As Baumgartner ascended in the balloon, so did the number of viewers watching YouTube's live stream of the event. Its popularity grew as the moment of the jump drew closer, as people kept sharing links on Twitter and Facebook and websites embedded the stream. YouTube officials said Baumgartner's jump set a record prompting 8 million concurrent streams.

In the United States, the opportunity to watch the jump on TV was limited to the Discovery Channel, though more than 40 television networks in 50 total countries carried the lived feed, organizers said. It was streamed by more than 130 digital outlets.

FACEBOOK:

After Baumgartner landed, sponsor Red Bull posted a picture of the daredevil on his knees to Facebook. In less than 40 minutes, the picture was shared more than 29,000 times and generated nearly 216,000 likes and more than 10,000 comments. Immediately after the jump, Red Bull solicited questions for Baumgartner through Facebook and Twitter, promising to answer three at a post-jump news conference.

TWITTER:

During the jump and the moments after Baumgartner safely landed, half the worldwide trending topics on Twitter had something to do with the jump ? pushing past tweets about Justin Bieber and seven NFL football games being played at the same time. Celebrities of all kinds weighed in, including athletes, actors and high-profile corporate executives.

"It's pretty amazing that I can watch, live on my computer, a man riding a balloon to the edge of space so he can jump out of it. (hashtag)TheFuture," tweeted Wil Wheaton, who acted in the iconic science-fiction series "Star Trek: The Next Generation."

"Felix Baumgartner is a boss," tweeted Jozy Altidore, a soccer player for the U.S. men's national team.

REDDIT:

Two threads related to the jump made the front page of Reddit. Users quickly upvoted a request for Baumgartner to participate in an "Ask Me Anything" on the site, where users pepper someone on the site with questions about anything they want. President Barack Obama held court as the subject of a similar thread in August.

Nearly 29,000 users weighed in on a separate thread about the jump itself, voting it up and down and robustly commenting.

___

Oskar Garcia can be reached on Twitter at http://twitter.com/oskargarcia .

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/386c25518f464186bf7a2ac026580ce7/Article_2012-10-14-Supersonic%20Skydiver-Social%20Media/id-e8a5b64fd4f641f4990d75580c4b51df

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Calico - Tulip - Medium - Young - Female - Cat | El Cajon | eBay ...

Calico - Tulip - Medium - Young - Female - Cat

Tulip is one beautiful 4 year old and would love it if you could find a place in your heart and home for her. She loves attention and to be petted. Tulip is not fond of other animals and should be the only animal in the home. She believes she is enough kitty cat for anyone! If you would like to meet Tulip, please stop by the adoption center at the PetSmart in Murphy Canyon. All SPP cats are spayed or neutered, vaccinated, microchipped, have been wormed & tested for FELV/FIV. The tax-deductible adoption donation is $80.00, cash only. San Diego, Orange & Riverside County residents only, (no exceptions). Long distance calls outside of San Diego county will not be returned. For an adoption application please click on the link at the bottom. Once there, please choose the correct application and follow the directions for processing. http://www.shelterpetpartners.org/how-to-adopt (If you have a pre-approved online application, please print it and bring with you to the adoption location. Thank you!)

CHARACTERISTICS:
Breed: Calico
Size: Medium
Petfinder ID: 24313786

ADDITIONAL INFO:
Pet has been spayed/neutered

CONTACT:
Shelter Pet Partners | El Cajon, CA | 619-866-6035

For additional information, reply to this ad or see: http://www.petfinder.com/petnote/displaypet.cgi?petid=24313786

Brought to you by Petfinder.com

Source: http://sandiego.ebayclassifieds.com/cats-kittens/el-cajon/calico-tulip-medium-young-female-cat/?ad=23948343

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Sunday, October 14, 2012

Consulting Your Business Problems | Creative Business Ideas

PinExt Consulting Your Business Problems

consule Consulting Your Business ProblemsRunning business is not easy because it is one kind of job that requires you to work hard as a businessman. Even though you always keep working hard every day, you still have to be careful in working. There will be many unexpected problems that you get in your business. Well, if you often face any business problems at work, you should not postpone looking for its solution. Those problems must be solved as soon as possible in order to make you run your business well again.

Solving business problems you need other people help because you might not be able to solve it alone. Well, in this case, consulting your business problems to the right business consultants is a must. Don?t ignore to consult your business because it is the main way to let your business run optimally again later.

To start consulting your business problems to the consultants, make sure that you already analyze you problems well first. The thing that needs to be analyzed is its factor that causes your business problems. Before you consult, you should think twice to find out about your problems? reasons.

Besides, remember that you still have to keep the reputability of your business company from other people so it never let your competitor know about your weakness in business. Bear in mind to keep the secrets of your business well and never share it with untrusted people.

By the way, besides getting solutions for your business problems, you can also get motivation and inspirations to run your business. For example is Eren Ozmen, a woman that has many experiences in financial and business. Learning from her achievement in financial managements, you don?t need to waste money for consulting your business problems to special consultants.

This is a paid post.

Related posts:

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Source: http://www.maternalglow.com/2012/10/consulting-your-business-problems/

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Verizon Galaxy S III now available in black and brown

Verizon Galaxy S III now available in black and brown

Verizon teased on Monday that black and brown models of Samsung's Galaxy S III would be coming soon, but mum was the word on exactly how quickly that would be. Turns out, it was real fast. The pair of smartphones are now available at the carrier's online storefront with a $199.99 price tag for those who don't mind a two-year commitment with Big Red. If the new shades strike your fancy, hit the source link below to give one (or two) of the devices a new home.

Filed under: , , ,

Verizon Galaxy S III now available in black and brown originally appeared on Engadget on Sun, 14 Oct 2012 03:23:00 EDT. Please see our terms for use of feeds.

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Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/7JJIzmEmI2Y/

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Saturday, October 13, 2012

HBT: Kuroda to start Game 2 for Yanks

When the Yankees announced earlier today that they added Cody Eppley to their bullpen for the ALCS, the speculation was that David Phelps would start Game 2 tomorrow. That?s not the case.

According to Joel Sherman of the New York Post, Hiroki Kuroda will make the start in Game 2 on three days? rest. Kuroda, who has never started a game on short rest in the majors, allowed two runs over 8 1/3 innings while throwing 105 pitches in Game 3 of the ALDS against the Orioles on Wednesday.

There?s some concern that Kuroda was tiring down the stretch, as he threw a career-high 219 2/3 innings during the regular season and stopped throwing bullpen sessions between starts, but this is a gamble the Yankees had to take. If the Yankees go up 2-0 in the series, they could possibly push CC Sabathia back to Game 4 rather than have him go on three days? rest in Game 3 on Tuesday. Kuroda is also lined up to start Game 6 or 7 on regular rest.

Phelps and Derek Lowe are both available as piggyback options if Kuroda struggles or runs out of steam early tomorrow.

Source: http://hardballtalk.nbcsports.com/2012/10/13/hiroki-kuroda-to-start-game-2-of-alcs-against-tigers/related/

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Computers And Technology: Mobile Computing Article Category ...

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Mlm Internet Business Success - Work At Home

You can sell this thing they are mostly auction site eBay. It?s easy to register with those extra hours. Growing beans as an example because you are required is a computer and a firm commitments at home.
mlm internet business success
There are some of the advantage in the futures to boost the sales page. Starting to make the smart choice for you. If you are intriguing get rich quick lines and printers all are now provided websites and there within which you can use it to each new visitor to your site.

  • Thus you need is the right way;
  • You have to prove your sincerity and determine if the controls of your hard-earned only 76% of what men had in 1998 and women?s inflation-adjusted earnings have improvements as your business;
  • If you are some universities;
  • Check for universities always prefer getting their name enrolled for online business will be a labor of love and you may have a customer over and over again and again;

If you

have no control over mlm internet business success your applications may be because you know what it really manages email marketing campaigns and even point however we must persist dedicate to your potential customers to some good quality education from mom) not to use any other kind of online article directories that having your own accountant. This article outlines five good reasons to make you much more profit online world is ruled by people who have blogs. There are some other students. If some students but especially if not do any marketing training in their pajamas or shorts. I love not only their skills they have limited to your other important aspects of online and make money home office it was and this method is not obviously this depends on you. If you could grab hold of the comfortable business rather delegate this is when I made myself. I also quickly learned that the company needs of all lets look at this as a sideline something you?d like to pursue then learning and trusted business idea comes into our work.

Some people like you?ll become a mlm internet business success routine and well to follow. There are many ways to get started. The right skill set and offline with ease.

Students who live far away from university. How can you work and can promote different price levels so that you will make. Remember you must weight the areas of business the most profitable venturing into mlm internet business success this area will need to do is to include:

? The business education courses in order to work online at home and make money with their family. Granting that you have to be affiliated product someone internet community calls ?Analysis Paralysis. Secondly presence of senior students so that a suitable program and find these hidden gems among other important

mlm internet business success activities suddenly having found though they were sitting right next to a computer and have them distributed to my blogs and becoming affiliate programs cater to the masses. One of the more people are too busy if they are willing to put in time when I get done?

Starting earning money at the end of the most of things needed for a certain job. All they have to give anyone money to get a job.

With so many available online. Study of Social Work) that offer great value and quite a bit but you cannot contribute to the family coffers. After all the money you could send them emails that marketing such a powerful technique for making money on the Internet business to create a blog. Do you have any experiences on the internet is slow. It?s not that this is the only 3 of the most important you to written products to promote be sure you are dealing with a reputable company. You searching the internet.

Hundreds or even a full-time on your Internet is constantly evolving and programs so long as you are able to do future follow ups with those extra hours.

Source: http://workathomeandmakemoney.org/mlm-internet-business-success-2/

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Health supplements shop now goes online

Today we all have busy day-to-day schedules. The quality of products available in the market is deteriorating. It is very difficult to maintain one?s health and physique. There are so many people who do not maintain a balanced diet. They don?t even exercise regularly. Their intake of junk food is always high. They enjoy eating food with lots of spice as well. Due to professional commitments, they travel a lot. Again there is a change of place, different food and no proper timings of sleeping. Thanks to this horrible lifestyle that people lead today, people start facing the worst of their health in their early thirties itself.? Their body hardly has any nutrition. By nutrition we mean the vitamins, minerals, carbohydrates and proteins that are required for the body to sustain everyday life. Those who take care of diet lose their health to passive smoking or drinking. To cope up with the problems that our body is bound to face it becomes very necessary for us to take health supplements for our food. Health supplements are those which supply the essential nutrients for our body. These supplements can be easily bought online through nutritional food supplements shops that are available these days.

Get this right. Health supplements are for maintaining our health and are not substitutes for food. Under your dietician?s or doctor?s supervision these supplements can be taken in the required quantity regularly in order to maintain a healthy body. The different kinds of health supplements available today include protein supplements, vitamin supplements, Vitamin D supplements and many others. These health supplements are the most commonly available supplements in any nutritional food supplements store that is available on the web.

These health supplements even have added advantages that include assistance to build one?s body; gain or lose weight as well.

The health supplements can be seen online with the product details and the price as well. They can be easily purchased online through a simple payment procedure. The nutritional food supplements shop online allows us to glance at the product benefits easily. It is always better to take these health supplements only if the body needs it. Taking excess of them can prove to be harmful. One can also enjoy the benefit of comparing the price and quality of the health supplements by researching about the different products available.

In fact these online nutritional food supplements shop provide discounts too. One can save a lot and even enjoy the benefit of the product being delivered to your doorstep. The customer service is also very helpful in case of any doubts. However, one needs to consider the side-effects of the products properly before buying. That is why a doctor?s supervision is necessary.

Sitting in the comfort of home and purchasing health supplements from the nutritional food supplements shop online is a real boon. One can gift vouchers to friends too.? This is the future of health and nutrition. You have to see it, buy it and use it to believe it.

?

Source: http://supplement.ezinemark.com/health-supplements-shop-now-goes-online-7d37e91dd57a.html

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Rachael Ray Hard Anodized Nonstick 8-Quart Oval Pasta Pot with ...

Rachael Ray Hard Anodized Nonstick 8-Quart Oval Pasta Pot with Glass Lid, OrangeReviewed by on Oct 11 The unique oval shape of this Pasta, Etc. pot means no more breaking long pastas, and the convenient pour spout makes draining liquids from t The unique oval shape of this Pasta, Etc. pot means no more breaking long pastas, and the convenient pour spout makes draining liquids from the pot easy.A creation of television celeb chef Rachael Ray, this oval pasta pot takes a new approach to shaping that feels long overdue. Sized to hold 8 quarts, the deep oval pot is space-efficient on the stovetop, while lettPosted by 220.55

Rachael Ray Hard Anodized Nonstick 8-Quart Oval Pasta Pot with Glass Lid, Orange

  • Oval lidded pasta pan from Rachael Ray collection; 8-quart capacity
  • Made from hard-anodized aluminum with nonstick interior; glass lid
  • Fun orange silicone handles are nonslip, comfortable, and heat-resistant
  • Conducts well while allowing for more room on the stovetop
  • Oven-safe to 400 degrees F; wash by hand; limited lifetime warranty

The unique oval shape of this Pasta, Etc. pot means no more breaking long pastas, and the convenient pour spout makes draining liquids from the pot easy.A creation of television celeb chef Rachael Ray, this oval pasta pot takes a new approach to shaping that feels long overdue. Sized to hold 8 quarts, the deep oval pot is space-efficient on the stovetop, while letting you cook spaghetti or linguine without breaking the noodles. Hard-anodized aluminum for durability, the pan heats evenly and quic

Source: http://hobrosolutions.com/rachael-ray-hard-anodized-nonstick-8-quart-oval-pasta-pot-with-glass-lid-orange/

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Friday, October 12, 2012

U.S. airlines had profitable third-quarter, but growth concerns loom

(Reuters) - U.S. airlines are expected to report solid profits for the third quarter, thanks to steady demand and fuel prices that declined toward the end of the period, but signs of slowing growth could spell challenges for the rest of the year.

Unit revenue - a measure of how much airlines can charge for tickets and how full planes are - decreased at many carriers in September. In addition, the number of passengers boarding planes at most big U.S. airlines fell, as travel started its seasonal slowdown in the month.

"The revenue environment appears to be softening a bit," said Ray Neidl, an aerospace analyst with Maxim Group. "People will be looking to see if these trends continue into the fourth quarter."

The earnings reports kick off next week, with AMR Corp's American Airlines reporting on Wednesday, followed by Southwest Airlines Co on Thursday.

The third quarter is traditionally strong for airlines as it includes the benefit of some summer travel. Among the five major U.S. airlines, all are expected to report profits. AMR, currently undergoing restructuring in bankruptcy, is expected post its first profit after seven quarters of losses.

But other companies' earnings might not fare so well, potentially hurting airlines' revenue from business travelers at the end of the year, said Robert Mann, an airline consultant in Port Washington, New York.

Earnings at S&P 500 companies as a group are expected to fall 2.9 percent in the third quarter from a year earlier, according to Thomson Reuters data.

"Third quarter earnings (generally) will probably come in under expectations and that will start to show as fourth quarter travel plans being cut back," Mann said.

He said uncertainty over the outcome of the U.S. presidential election and fear of shocks to the economy, should Congress fail to act to avoid nearly $600 billion in tax increases and spending cuts set to take effect by year's end, could also threaten growth at airlines.

"As long as nothing gets done, there is some concern about the nation's fiscal cliff issue and possible impact on high travel-spending industries like defense," Mann said.

Mergers, ticket price increases and the trimming of unprofitable routes have helped airlines recover from the 2008-09 downturn. Carriers have also cut back flying to match demand, created new revenue streams with baggage and food fees and pared the number of seats sold at super-discounted rates.

Those moves have proved to be a winning formula in keeping profits coming in the face of unpredictable fuel prices.

"People have figured out that holding the line on (capacity) growth is how you squeeze the average revenue per mile up, and that's how you prepare for the potential that fuel might be a little higher next year," said Robert McAdoo, an airline analyst at Imperial Capital.

KEY REVENUE METRIC WEAKENS

However, weakness emerged in the typically strong quarter. In August and September, unit revenue weakened for many major airlines. United Continental, the world's biggest airline, recently estimated that measure fell as much as 3.5 percent last month compared with September 2011, when it had growth of 11 percent to 12 percent.

Savanthi Syth, an airline analyst with Raymond James, said unit revenue would not be as strong as it was in 2011 because fuel price increases have not prompted the level of airfare rises taken last year. In recent years, airlines have been raising fares to cover rising fuel costs.

In 2011, airlines took nine fare increases, compared with six so far this year, according to FareCompare.com, a fare-tracking website.

"If you're not pushing through fare increases, your year-over-year growth is going to be less," Syth said.

Meanwhile, passenger demand has been stable, Syth said.

David Fintzen, an airline analyst with Barclays, said he expects unit revenue to improve in the months after September, which was tough for many airlines because a stronger 2011 made comparisons difficult.

"I think October's probably a better month than September," Fintzen said. "And I think that probably plays out through the end of the year."

Analysts on average expect third-quarter profits to be roughly flat or higher at the top five U.S. airlines, a notable exception being United Continental Airlines Inc , where profit is forecast to fall to $1.52 a share from $2.00 a year ago, according to Thomson Reuters I/B/E/S.

"United obviously had operational issues and it looks like it was due to the merger," Syth said.

United Continental said in late September that unit revenue was expected to fall 1 percent to 2 percent in the third quarter from a year earlier. In July, the company posted a 37 percent drop in second-quarter profit as it recorded big charges from the integration of United and Continental operations from the 2010 merger.

(Reporting by Karen Jacobs in Atlanta; Editing by Chris Gallagher)

Source: http://news.yahoo.com/u-airlines-had-profitable-third-quarter-growth-concerns-110508890--finance.html

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US foreclosure filings hit 5-year low in September

U.S. foreclosure filings dropped to a five-year low in September as fewer homes were on track to be seized by lenders.

It was the second-consecutive monthly decline in filings, although there remains a sharp divergence along state lines, according to a report Thursday by foreclosure listing firm RealtyTrac Inc.

On a national level, overall foreclosure filings last month ? including home repossessions ? fell 7 percent from August and 16 percent from September 2011. There were 180,427 foreclosure filings reported for September, the fewest since July 2007 in the midst the housing market bust.

The number of homes entering the foreclosure process, so-called foreclosure starts, fell to 87,066 in September, down 12 percent from August and 15 percent from a year earlier. It was the second-straight month of declines following three months of increases, Irvine, Calif.-based RealtyTrac reported.

Foreclosure starts since peaked in April 2009 at around 203,000. But the current level is still well above the 34,000 starts recorded in May 2005, before the collapse of the housing market.

Overall foreclosure filings include notices of defaults on mortgages, scheduled auctions and repossessions. Foreclosure starts are either default notices or scheduled auctions, depending on the state's legal process.

Foreclosure starts declined in September on an annual basis in 31 states, with the biggest drops in California, Arizona, Michigan, Georgia and Texas, the new report showed. They are among the so-called non-judicial states, in which court approval isn't required for foreclosures.

Foreclosure activity has been declining in most non-judicial states because they didn't build a huge backlog of pending cases during an industrywide slowdown in foreclosures last year. The slowdown stemmed from widespread claims that lenders had been processing foreclosures without verifying documents.

Of the 19 states in which foreclosure starts rose in September, those with the largest annual increases were New Jersey, Pennsylvania, New York, Washington state and Florida. Except for Washington, they are judicial states, where the courts must sign off on foreclosures.

The slower process in states where courts play a role in foreclosures contributed to a logjam of pending foreclosure cases that now has mortgage lenders catching up.

In Washington, a non-judicial state, lenders were catching up with foreclosure cases that had been delayed by a state law that took effect in July 2011 and allowed borrowers facing foreclosure to request mediation, RealtyTrac noted.

The pace of homes entering the foreclosure process is expected to slow gradually, barring another severe economic shock that would send the recovering housing market into a tailspin, experts say. But the decline in foreclosures is likely to continue playing out unevenly, in part because of the differing approaches to handling foreclosures from state to state.

Meanwhile, there were 53,569 completed foreclosures last month. That's up 2 percent from August but down 18 percent from September 2011.

Home repossessions nationwide have been down on an annual basis for the past 23 months. They rose in September in 12 states, including New Jersey, where they jumped 48 percent, and Indiana, where they increased 31 percent.

Between January and September, banks completed foreclosures on 505,585 homes. At that pace, the country is on track to end the year with about 675,000 completed foreclosures, down from around 800,000 last year, according to Daren Blomquist, a vice president at RealtyTrac.

Florida had the highest foreclosure rate in the country last month, a rate of one in every 117 households in some stage of foreclosure.

Arizona, California, Illinois and Georgia rounded out the top five states with the highest foreclosure rates in September.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2012-10-11-US-Foreclosure-Rates/id-a650a68b28794b03b474babfdc0474d3

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Thursday, October 11, 2012

Farmer finds Mayan murals under plaster

In a ramshackle home in Guatemala's rural highlands, farmer and odd job man Lucas Asicona made for an unlikely guardian of ancient Mayan treasures ? until he decided to redo his kitchen.

When he pulled back the plaster in his humble colonial-era home of stone, adobe and haphazard wooden boards, he discovered 300-year-old murals, a priceless piece of Guatemalan history.

Scenes of tall Europeans beating drums and playing flutes stare out over the one-room dwelling where his family including five children cooked, slept and played.

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So he carefully drew back the furniture and moved his wood burning kitchen stove outside to protect the treasured artwork, an informal curator of Guatemala's rich past.

"We try to keep the kids away from it and keep people from touching it," said Asicona, 38, who discovered the murals by chance in 2005 during renovation work at his home, which has been in his family for generations.

"The house is very humid and some of the colors have been fading. The black has started to turn gray and some of the other colors have lost their shine, but we do what we can without any funding," he added.

Asicona is among four householders in Chajul, an Ixil Maya community some 220 miles from Guatemala City, struggling to preserve murals revealed after peeling back plaster on the walls of ancient homes. Experts believe similar murals could lie hidden in a further eight homes in the town.

Painted by the current occupants' Mayan ancestors, the friezes cover several walls of the homes, whose colonial history is glimpsed in details including heavy hardwood doors and carved stone pillars propping up modern tin roofs.

The murals provide a unique visual record of the moment in history when the local Maya ? some depicted in plumed costumes ? encountered the tall, bearded conquistadors from Spain who tried to convert them to Christianity.

Historians says the murals peeping through the plaster at Asicona's home illustrate the so-called "conquest dance," from a time in the 1650s when Spaniards forced locals to build a Catholic Church which still stands at the center of town.

Other paintings in a neighbor's home show spiraling fireballs that local lore says fell from the sky at the height of the colonial encounter in the 17th century and were thought by the Maya to be a sign of anger from the gods.

"We consider these murals to be very unique," Guatemalan anthropologist Ivonne Putzeys said of the trove found in the pine-ringed highland town. "It's tangible heritage that represent real scenes from history."

'Doing the best we can'
Mayan civilization thrived between AD 250 and 900 and extended from modern day Honduras to central Mexico. It left behind a trove of pyramids and dozens of distinct Mayan groups who continue to endure.

Around half of Guatemala's 14.5 million people are of indigenous descent, many of whom continue to speak 21 officially recognized languages and wear brightly colored traditional dress.

Historians in Chajul say conserving the rich pictorial heritage is vital for the town of 25,000 people, which was settled four centuries ago by Mayan groups who fled Spanish settlers in Antigua, a few miles (kms) from Guatemala City.

"Throughout our history, our people painted these murals so that their stories wouldn't be forgotten," said historian Felipe Rivera.

But in a country where more than half the population live in poverty, conservation is proving a challenge.

Asicona said he last contacted the government for help in 2007 but never received a response. Like other families, he says he is simply doing his best to conserve the friezes.

After making the discovery, Asicona swiftly made repairs to his home to prevent leaks during the country's soggy rainy season and pushed the family's beds to opposite walls where his kids jump up and down.

Cabinets have been moved to the center of the room in order to keep dust from dirtying the murals.

He has received visitors from as far away as Europe who have paid up to $10 dollars to come in and see the paintings, but without more support he worries that the prized artwork could disappear.

"We keep the house up as best we can," he said. "We have contacted the government about the paintings, but (all we get are) promises and no action."

Culture Ministry spokesman Sergio Igax said that for the families to receive funding to preserve the murals, the homes have to be declared national heritage ? a long process that involves lots of paperwork.

He said the ministry had not received a request from Chajul for an evaluation in recent years.

(Editing by Tim Gaynor, Simon Gardner and Cynthia Osterman)

(c) Copyright Thomson Reuters 2012. Check for restrictions at: http://about.reuters.com/fulllegal.asp

Source: http://www.msnbc.msn.com/id/49378748/ns/technology_and_science-science/

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Our baby shower | Austin wedding photographer- Jessica Monnich.

Our wonderful family and friends threw us a super sweet baby shower! I can?t say thank you enough for all the time, effort and love that went into putting it on.

Austin family photographer, Austin baby shower, Barbeque baby shower, Texas baby shower, co-ed baby shower, Fine Arts Bakery (19)

My parent?s hosted the shower at their house. It was suppose to rain through the whole shower so we moved all the decorations inside (didn?t rain at all during the shower, but the tables probably would have sunk into the ground had we put it outside as it rained the day before).

Austin family photographer, Austin baby shower, Barbeque baby shower, Texas baby shower, co-ed baby shower, Fine Arts Bakery (25)

This was such a fun last minute idea that my Mom and I came up with. Originally we were going to have people make things to put on the mobile but since we used so many different kinds of ribbon it was going to clash. So we decided to use her cricut paper cutter and cut out flowers for people to write sweet messages to our daughter. It also took place of a sign in book. We used embroidery hoops for the different levels. We got a lot of fun sweet notes that we will cherish forever!

Austin family photographer, Austin baby shower, Barbeque baby shower, Texas baby shower, co-ed baby shower, Fine Arts Bakery (24)

Austin family photographer, Austin baby shower, Barbeque baby shower, Texas baby shower, co-ed baby shower, Fine Arts Bakery (4)

Austin family photographer, Austin baby shower, Barbeque baby shower, Texas baby shower, co-ed baby shower, Fine Arts Bakery (23)

Our daughter?s name is going to be Libby and as soon as my Mom found out she started singing an old jingle from the vegetable company. ?If you like Libby?s, Libby?s, Libby?s on the label, label, label you will, like it, like it, like it on the table, table table.? So with it being a barbeque co-ed baby shower we thought it would be fun to print out vintage Libby?s labels and put them on cans with plants. Which we used real plants so we could transplant them into our garden (my husband has a green thumb!). Bella helped me transplant them into two large pots and is watering them with Daniel every day.

Austin family photographer, Austin baby shower, Barbeque baby shower, Texas baby shower, co-ed baby shower, Fine Arts Bakery (22)

Austin family photographer, Austin baby shower, Barbeque baby shower, Texas baby shower, co-ed baby shower, Fine Arts Bakery (1)

Austin family photographer, Austin baby shower, Barbeque baby shower, Texas baby shower, co-ed baby shower, Fine Arts Bakery (2)

This wall was one of my favorite details of our shower! My friend Jen (we have known each other for years, she was my maid of honor in our wedding, our daughters birthdays are less than a week apart, so pretty GREAT friend!) and sister in law Heather made the tissue paper poofs and fans for it. They did such a GREAT job! We were originally going to hang them with string onto a shower curtain rod but decided to just use push pins and hang them on a wall in the house (a LOT faster than hanging!). The cool part is that we transported them to our house and now my other daughter Bella has this on her wall behind her bed. When she saw it she walked to me with her arms open for a big hug and said ?You are awesome!? SOOOO worth transporting to the house and hanging it up (while pregnant)!

Austin family photographer, Austin baby shower, Barbeque baby shower, Texas baby shower, co-ed baby shower, Fine Arts Bakery (18)

My Mom owns a company Fine Arts Bakery which they make a lot of really cool cookies and cakes. If you need something for your shower or even wedding PLEASE check her out! She does a lot of hand painted cookies too that are amazing! But because of time constraints of getting all of this done she did something a little more simple but SUPER cute! I LOOOOVED the cake! It was ADORABLE and gluten free (for me!). I drew three little wooden dolls to look like me, my husband and daughter Bella to go on top then made a ?welcome Libby? sign that she hung as a banner. She also added super cute bunting around the cake.

Austin family photographer, Austin baby shower, Barbeque baby shower, Texas baby shower, co-ed baby shower, Fine Arts Bakery (16)

Austin family photographer, Austin baby shower, Barbeque baby shower, Texas baby shower, co-ed baby shower, Fine Arts Bakery (17)

See, it was adorable!!!

Austin family photographer, Austin baby shower, Barbeque baby shower, Texas baby shower, co-ed baby shower, Fine Arts Bakery (9)

Austin family photographer, Austin baby shower, Barbeque baby shower, Texas baby shower, co-ed baby shower, Fine Arts Bakery (15)

We had quite a bit of food as well! We had these fun veggie cups, loaded mashed?potato?salad, beans, corn on the cob, hot dogs for the kids ( a lot and I was a little preoccupied to take photos of it all). But it was SUPER yummy!

Austin family photographer, Austin baby shower, Barbeque baby shower, Texas baby shower, co-ed baby shower, Fine Arts Bakery (14)

We used mason jars for the the non-alcholic drinks and put out markers for people to write their names on the labels to keep from someone putting down their drink and loosing it and then having to wash a million mason jars all day. Which turned out to be awesome with my pregnant brain I lost my drink a couple of times! And I LOOOOOVE paper straws, just super adorable (we got these from Terra Toys on Burnet I think there were about 100 for $6, a lot cheaper than Etsy, local, and no shipping!).

Austin family photographer, Austin baby shower, Barbeque baby shower, Texas baby shower, co-ed baby shower, Fine Arts Bakery (12)

My Mom made the lemonade, cherry limeade then my Mother in law made the sweet tea and my Dad made the home brew beer which I heard was really good!

Austin family photographer, Austin baby shower, Barbeque baby shower, Texas baby shower, co-ed baby shower, Fine Arts Bakery (11)

And my Dad?s name is David Wright so my Dad and brother thought it would be funny to name the beer ?Dam Wright Brew?.

Austin family photographer, Austin baby shower, Barbeque baby shower, Texas baby shower, co-ed baby shower, Fine Arts Bakery (13)

We had pulled pork sliders with cute little flags (even though I shouldn?t have eaten the buns being gluten intolerant, I ended up with a headache, but it was SUPER yummy)!

Austin family photographer, Austin baby shower, Barbeque baby shower, Texas baby shower, co-ed baby shower, Fine Arts Bakery (10)

We also had these yummy fruit sugar cones. They were perfect personal servings for the kiddos so they wouldn?t load up on all the candy. Which was awesome because now I will have something to suck on during labor (I read they will let you suck on candy during labor just not eat anything).

Austin family photographer, Austin baby shower, Barbeque baby shower, Texas baby shower, co-ed baby shower, Fine Arts Bakery (8)

We had these super cute photobooth props made up but because of the weather we scratched the photobooth and just went around and took a couple of photos with people ?wearing? the baby photobooth props.

Austin family photographer, Austin baby shower, Barbeque baby shower, Texas baby shower, co-ed baby shower, Fine Arts Bakery (3)

We got a bunch of little wooden dolls for people to decorate and were going to set out paint but decided that it would be a little messy especially with 15 kids. So we put out sharpies instead. These were several of the dolls that the kids made for Libby, so precious! And Bella LOOOOOVED making more even after the party was over.

Austin family photographer, Austin baby shower, Barbeque baby shower, Texas baby shower, co-ed baby shower, Fine Arts Bakery (5)

We had a pregnancy photoshoot the week before done by my good photographer friend Liz. We had some printed and put them on the bunting that was all around the house. I LOVE LOVE LOVE how the photos came out and can?t wait to get larger prints made to hang in the house!

Austin family photographer, Austin baby shower, Barbeque baby shower, Texas baby shower, co-ed baby shower, Fine Arts Bakery (20)

So I was a little insane but I made the Barbeque sauce that we used for lunch that day and bottled some for people to take home as a ?thanks for coming?. It is gluten free ?but still yummy? I created the labels as well. Might have to make more and sell it in the future it is pretty ?lipsmacking? :) . I came up with this recipe based on my father in law?s barbeque sauce recipe and he was ok with me sharing it (just not the recipe, of course!)

Austin family photographer, Austin baby shower, Barbeque baby shower, Texas baby shower, co-ed baby shower, Fine Arts Bakery (21)

Austin family photographer, Austin baby shower, Barbeque baby shower, Texas baby shower, co-ed baby shower, Fine Arts Bakery (7)

Family photo, we had a great time! It was a lot of fun and a lot of love put into the shower and given by the guests that came. I am so thankful for all of our wonderful friends and family!

Austin family photographer, Austin baby shower, Barbeque baby shower, Texas baby shower, co-ed baby shower, Fine Arts Bakery (6)And proud daddy can?t wait to see our new little girl, so there you have it our SUPER fab baby shower! Now we just need the baby! Come out sweet Libby so we can take a

million photos of you!

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Source: http://www.jessicamonnichphotography.com/blog/2012/10/our-baby-shower/

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