Kobe lets Lakers management have it over Gasol

Los Angeles Lakers' Kobe Bryant brings the ball up during the first half of an NBA basketball game against the Phoenix Suns, Sunday, Feb. 19, 2012, in Phoenix. (AP Photo/Matt York)

Los Angeles Lakers' Kobe Bryant brings the ball up during the first half of an NBA basketball game against the Phoenix Suns, Sunday, Feb. 19, 2012, in Phoenix. (AP Photo/Matt York)

Los Angeles Lakers' Kobe Bryant adjusts his jersey during the first half of an NBA basketball game against the Phoenix Suns, Sunday, Feb. 19, 2012, in Phoenix. (AP Photo/Matt York)

Los Angeles Lakers' Kobe Bryant drives as Phoenix Suns' Grant Hill hits a screen set by Lakers' Pau Gasol during the second half of an NBA basketball game, Sunday, Feb. 19, 2012, in Phoenix. The Suns won 102-90. (AP Photo/Matt York)

PHOENIX (AP) ? The Los Angeles Lakers' worst performance of the season set the stage for Kobe Bryant to take aim at his team's management, a clear signal that all is not well for the perennial power out West.

The issue that surfaced after the Lakers lost to the Phoenix Suns 102-90 on Sunday night was teammate Pau Gasol, and whether he is about to be traded.

Bryant, who brought up the subject himself without any prompting, used a couple of profanities to emphasize how strongly he feels.

"It's just tough for a player to give his all when you don't know if you're going to be here tomorrow," Bryant said. "So I'd rather them not trade him at all. If they were going to do something, I wish they would just ... do it. If they're not going to do it, come out and say you're not going to do it."

The Lakers trailed 63-40 at the half and were down by as many as 27 early in the third quarter Sunday. Bryant, who scored 32, tried to bring the Lakers back. They cut it to 10 late in the fourth quarter but got no closer. Gasol finished with 17 points and 12 rebounds.

Bryant was just 1 of 8 on 3-pointers and committed 10 turnovers. He said afterward that it's tough for players to get emotionally up for games every night. That led to his comments about Gasol.

"It's hard for Pau because of all this trade talk and stuff," Bryant said. "It's hard for him to kind of invest himself completely or immerse himself completely into games when he's hearing trade talk every other day."

Things have not gone smoothly for the Lakers since they were swept out of the playoffs by eventual NBA champion Dallas last season. Coach Phil Jackson retired, and Mike Brown replaced him. The triangle offense was gone and the Lakers were re-designed as a defense-oriented team.

Then just before the season, the Lakers pulled the trigger on a three-team trade that would have sent Gasol to New Orleans and Chris Paul to Los Angeles. But NBA Commissioner David Stern nixed the deal, and in another trade, Paul wound up with the other Los Angeles team, the Clippers.

Bryant, though, said he believes the Lakers have the makings for another title run.

"I'm sure we'll make some tweaks here and there but the foundation is here," he said. "It obviously starts with myself and Pau and the emergency of Andrew (Bynum), but you can't have one of our pillars not knowing if he's going to be here or not. Do something. One way or another, do something. If they trade him at least you have some type of closure, at least he gets some type of closure."

Los Angeles had won three in a row before stumbling at Phoenix. But the Lakers don't even have the best record in their own city. At 18-13, they are two games behind the first-place Clippers in the Pacific Division and fifth in the Western Conference, just a half-game ahead of Memphis and Houston.

Still, Bryant leads the NBA in scoring at just under 29 points a game and the team turned to him to get back into Sunday night's game.

"He was scoring and making plays for us," Brown said, "and we tried to get the ball in his hands. Is that something he can do? Yeah. But that's a lot of pressure on one guy to make plays for everybody and then try to score the basketball, too."

Gasol had already spoken to reporters before Bryant's rant.

"We thought we could maybe get away with playing through the motions and win," Gasol said of the Lakers' performance, "and in the end you can't."

Bryant said he and Gasol just want to know what the future holds.

"You just want security and a little clarity," he said. "I think that would help him out a lot, help us out a lot."

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/347875155d53465d95cec892aeb06419/Article_2012-02-20-BKN-Lakers-Discontent/id-f554bd1bee7845919c681a03ce86f3be

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Finding The Proper Toronto Real Estate Agent | Fish Information ...

Posted by on February 19, 2012

February 17th, 2012 ? By aubreymiles821
Posted in Beginer Fishing

If you are unable to personally visit the exact property that you thinking about investing in, then you ought to search for a realtor or property specialist. The reason is really because they can supply you with information about the location demographics, sources or sectors for estimated employment growth, information about residence income, and other reasons for information.

Toronto Real Estate Agent

When you sell your commercial property or home, you need to hire a realtor that knows the best way to market commercial real-estate. Marketing is key for the sale of any commercial property. You will desire to hire someone which includes experience with commercial property marketing. A real est agent that knows those people who are looking to get a commercial property could make the sale simpler.

Try and do your very best self to find a realtor that specializes in working with the commercial real estate exchanging process. Someone who is utilized to working with residential real-estate will not know as often about the process and this will only make the method more difficult. Use a broker that focuses primarily on commercial properties. While any agent can help you try to find commercial properties, ones that specialize can have a deeper perception of the types regarding properties that would do the job. They will also provide more information that you simply find relevant.

Sell Flip Condos

You need to decide which commercial real estate you are looking for buying before a person even speak with an agent. You need to possess at least an overall idea of what you are searching for so that the agent will know what properties to demonstrate you. As a commercial agent or seller, be prepared to be able to exercise patience and observe after optimism. Commercial properties are far more expensive and sophisticated than residential properties, each stage of the buying and selling process is much more protracted than what you enables you to. It is common for even probably the most attractive commercial properties to keep listed for a few months before generating 1 prospective buyer.

Remember to carry everything your realtor says with a new grain of sodium. While they technically are in your favor, at the end from the day they want to turn several quick purchases rather then making extra cash by pushing for your absolute best deal for you personally. Listen to the advice, but remember to generate your own closing judgement.

For more details please visit http://www.flipcondos.ca/

Source: http://fishinformation.info/finding-the-proper-toronto-real-estate-agent.html

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Unsecured Loans For People on Benefits ? Get Collateral Free ...

Saturday, February 18th, 2012 at 7:21 pm ?

Since it?s impossible to live your contended lifestyle without proper money, people take help of outside financial resources, making sure that their urgent and schedule financial condition can be satisfied without any hassle. Loans for people on benefitsare one of those money that every person prefers to obtain for pleasing his or her financial requirements. From time to time, highly strenuous financial needs appear along with drain out your complete available money. This is the time in which we hope for any suitable financial help, so that the circumstance can be handled proficiently. Usually, persons like to solution banks regarding arranging appropriate finance, because banks are designed for solving many short and long term financial needs. In order to help people in clearing up their financial problems, finance institutions and finance companies offer a variety of loan programmes. Basically, many banks along with financial institutions rank their loan programmes into two different different types i.at the. secured along with unsecured bank loan schemes. On the other hand, both different types carry extensive financial added benefits but in terms of convenience along with aptness is concerned, loans are a better option. Since these personal loans are free with the hassle of equity submission, the borrower could get a a lesser amount of hassle a number of finance with him or her.

Unsecured loans may help borrowers without the need of bothering regarding arrangement involving collateral. Because these loans aren?t pledged against virtually any high sought after property, the borrower can easily avail the financial loan without taking a chance on his or her hard-earned property. Generally, these loans for people on benefitstend to be long-term loans and will be used for any long-term financial condition. These loans are fantastic for settling virtually any financial condition but in instance of any urgent financial condition, the lender will have to wait for a long time, because these loans take in four to five days to weeks for agreement, analysis along with verification. On the other hand, with effort online running system, payday loans have become less time consuming for that reason, if you want to receive these loans regarding settling virtually any emergency condition then often go for on-line mode.

Acquiring these loans via online style is a realistic decision, like it the borrower could get the loan amount of money within a extremely short time time period. Since these financing does not include virtually any procedure for equity evaluation, submitting and thank you, getting agreement is more handy for individuals. The basic basis for demanding equity is to safe the risk involving loan, in order that the loan amount could be recovered with the sale involving collateral. With these loans, the borrower could be rest assured that their own property will safe in just about every situation.

Because there is more possibility associated with loans, the lender prices higher rate. However, the borrower can easily cope up with that problem by doing a thorough researching the market, as it will probably enable the lender to find out cut-throat loan cope. If you are looking of those loans for people on benefits and also check out many available offers in the marketplace, you?ll be able to take the assistance of the internet. Actually, this can help you actually in appraising websites of several loan providers, so that you will may get many useful information for making the loan deal economical.

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Between 2 shootings, ICE agents struggled over gun (AP)

[unable to retrieve full-text content]

AP - A federal agent accused of shooting a supervisor engaged in a serious struggle for his gun with another colleague who subsequently shot and killed him, an official said.

Source: http://us.rd.yahoo.com/dailynews/rss/us/*http%3A//news.yahoo.com/s/ap/20120219/ap_on_re_us/us_federal_building_shooting

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Treasure Coast Real Estate | Baytowne Jonathans Landing Homes ...

by starfish on February 17, 2012

Find Baytowne Jonathans Landing Homes For Sale and Baytowne Jonathans Landing Home Values. We also have information on mortgages, insurance, movers and other Treasure Coast Real Estate Services for anyone looking to sell or buy a home in beautiful Palm Beach COUNTY Florida.

Paul Kitchen and Starfish Team provide clients, family and close friends with professional, honest and dependable service. A resident of Treasure Coast, Paul is extremely familiar with the local neighborhoods including Baytowne Jonathans Landing, school districts and the Treasure Coast Real Estate market in this beautiful Florida town.

Paul Kitchen
Broker-Owner
Starfish Real Estate
8985 SE Bridge Road Hobe Sound, Florida 33455
(561) 935-9412
(800) 793-7304 toll free
Treasure Coast Real Estate
Treasure Coast Real Estate Blog

Tagged as: Baytowne Jonathans Landing, Treasure Coast Real Estate

Source: http://www.treasure-coast-living.com/2012/02/17/treasure-coast-real-estate-baytowne-jonathans-landing-homes-for-sale-february-2012/

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Housing Starts Stay Strong; Building Permits Rise. ? Maine Real ...

The housing market has carried forward its year-end momentum.?

According to the Census Bureau, on a seasonally-adjusted, annualized basis, January?s Single-Family Housing Starts crossed the half-million unit marker for the second straight month.

This hasn?t happened in close to 2 years and is the?latest in a series of strong data that suggests the beleaguered housing market has turned a corner ? both nationally and locally in Bangor. ?

Although single-family starts slipped 1 percent from December, January?s annualized 508,000 figure represents a 16% spike from January 2011 and is the second-highest reading since April 2010 ? the last month of 2010?s federal home buyer tax credit program.

A ?housing start? is a new home on which construction has started.

The strength of January?s Housing Starts data surprised Wall Street analysts and is partially responsible for Thursday?s unexpected mortgage rate spike.?

In hindsight, though, we should have seen this coming.

Earlier in the week,?the National Association of Homebuilders announced that homebuilder confidence had climbed to its highest point since 2007 amid builder reports of rising sales volume and the most foot traffic from buyers in more than 4 years.

In addition, builders expect to sell more homes in 2012 than in 2011.

Builders are building and buyers are buying.

Meanwhile, as another sign of housing market strength, the Census Bureau reports that, in January, Building Permits moved to a multi-year high as well. Permits issued for single-family homes in January rose 1 percent from December, a statistic that suggests housing will continue its run through the spring season, at least.

86 percent of homes break ground within one month of permit issuance.

It?s a good time to be a home buyer. Mortgage rates and home prices are low. Housing market momentum, however, is building. If you?re on the fence about whether to buy a home , ask your real estate agent for additional market information.

The cost of home-ownership may never be as low as it is today.

Source: http://www.mainerealestatepros.com/2012/02/mortgage-finance/housing-starts-january-2012/

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Come along with take the home-based Network marketing business

Is it possible to fiji honeymoon enter into a home-based MLM business opportunity on the internet? Why not? Your yes will HCG Diet Kits solution you right in front of your Diverticulitis Diet confront. Everything is possible with the participation of Internet especially in the modern business transactions.

Nevertheless is home-based MLM business opportunity probable and rewarding? How can one achieve this kind of business?

Are you ready to consider a journey into the four-step procedures toward an effective home-based MLM business?

Here they are:

Step number 1. Recruit 1st

Why do you have to recruit first instead of carrying out other things?

Home-based MLM business opportunities are generally network marketing. It really is composed of sponsors and down lines.

Uplines are generally independent distributors who generate another impartial representative they will will use inside direct selling of products and companies to customers. Put simply, the particular recruiter could be the upline. That they get their commission on the product sales of the various other independent distributors.

On the other hand, the particular recruited impartial representatives will be the downlines. Home-based MLM business opportunity is often a commission-based joint hard work of sponsors and down lines.

That is the primary reason why equally uplines as well as downlines ought to work together. Without the other, the full business push will be disabled. It will not operate.

What does this imply? Both parties reveal the same degree of importance or perhaps significance on the group. Attempt to imagine a home-based MLM business opportunity with out uplines as well as downlines? This doesn?t seem proper, isnt it? Youre likely to have these kinds of four (Some) NO:

If you do not have recruited impartial representatives or if perhaps they are not doing work effectively, gone will be the income, absolutely no consumption of products, no one to showcase the products as well as services with no one will cater the customers.

Action number 2. Keep up with the minimum product sales required.

Home-based MLM business opportunities are extremely simple but requires current debts of the product sales income. You ought to be a mathematician on this component to be able to tally your expenses and profits.

Everyday, impartial representatives industry the products as well as services. Consequently make it a habit to tally the cash flow entering everyday and the expenses leaving every single hour.

Action number 3. Monitor the consumption of products.

Check your supply. There is no more explanation essential as it is explained clearly enough. This only denotes maintaining the particular minimum stock of products accessible to avoid having an empty or perhaps void stock.

Step number 4. Teach your down lines regularly.

In each and every field, understanding is always essential. Even if you are a tutor, you still need to study as well as learn.

Finished . here is to possess a constant education schedule for the particular downlines. Research shows that any well-instructed downline results in a big difference than the downline using stagnant information in mind.

Regular study really pays at the end. Some of the recommended subjects are correct customer therapy, how to communicate effectively, business ethics, as well as everything that is required to help them plus your home-based MLM business.

When you have already taken into consideration all the procedures needed to possess a successful home-based MLM business opportunity, after you are ready toward establishing in which career path.

Your formulas happen to be in your hands. All that is required now is to be into effect. The only thing missing out on to complete the particular home-based MLM business possibility is you.

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Source: http://irenetindia.org/come-along-with-take-the-home-based-network-marketing-business-opportunity-ride/

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You Said What to Our Customer? ? USM School of Business

Posted: February 16, 2012 | Author: USM School of Business | Filed under: marketing | Tags: customer service, CSR, usm marketing |

by Warren G. Purdy
Associate Professor of Marketing

?The public is the only critic whose opinion is worth anything at all.? - Mark Twain

After a recent and rather unpleasant conversation with a ?customer service representative? from a large financial institution, I began to wonder what, if any, strides businesses are making in the provision of quality customer service.

I recalled a conference I had spoken at a couple of years ago attended by sales managers of a major oil company.? My presentation started with a simple question. ?In a recent phone conversation I had with one of the following organizations, a Customer Services Representative (CSR) told me to ?Go to H?.?? I then listed four businesses and had the audience select which organization they thought it was. The correct answer was AARP.? Believe it or not, that was the number one choice of the majority of attendees. I was very surprised, but probably should not have been as the three other choices I had given I had also had experiences with and would rate them as fair to excellent (their names will be withheld to protect the innocent).? This example was the setup for my talk on the potential impact of poor customer service, and how a single discrete negative experience may result not only in the loss of one customer ?(that could be bad enough if it?s a large one) but can have a multiplier effect, if the experience is bad enough.

Although customer service impacts our business at every level, I want to focus on the importance of the interaction between the CSR and customer? AKA customer service. A major reason this topic continues to be such a popular one today is because many consumers have shifted from a focus on pure price to our current environment where customers are looking for overall value. Customer service is a significant component of the? ?value equation.? ?In fact, meeting or exceeding customer demands for quality service is an arena where companies can set themselves apart from the competition.

If you ever had a doubt about the seriousness and/or potential impact of this issue, try these factoids on for size:

• ?A delighted customer is six times more likely to repurchase your product than a satisfied customer.?? John Anton, Center for Customer Driven Quality Purdue University.
• Only 4% of angry customers complain.
• On average, each of these ?angry customers? will tell 16 more people.
• From these 16, as the story is retold, the number grows to about 250.
• A recent three-year study by the National Federation of Independent Business (NFIB) showed that small businesses which put heavy emphasis on customer service were more likely to survive and succeed than competitors who emphasized such advantages as lower prices or type of product.
• According to the Customer Service Institute, 65% of a company?s business comes from existing customers, and it costs five times as much to attract a new customer than to keep an existing one satisfied.
• Some studies indicate that as much as 35% of new business comes from referrals.
• Losing a customer is even more expensive. According to studies by the Technical Assistance Research Programs Institute, 91% of unhappy customers will never buy again from a company that has displeased them.

Now I guess the $ 64 thousand dollar question is:? What can you do to improve your company?s customer service? ?I guess we?ll have to wait for another blog posting!

Finally, never make me angry because I might mention you in an article or blog like this!

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Source: http://usmschoolofbusiness.wordpress.com/2012/02/16/you-said-what-to-our-customer/

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Factors You Must Know about Business Consulting Solutions and ...

Starting a company and making it succeed are two different concerns. In both instances, you might require the support of companies providing business consulting solutions. If you are starting with a small business, listed here are pointers to think over.

What defines small businesses?

Definition for a small business may differ from one country to the next. In Australia, this group contains corporations with less than 200 personnel. Some countries within the European Union see companies with less than 250 workers as small businesses. In the US, organization form per industry may outline what a small business is. This means the manufacturing sector's definition might be different from that of the construction industry and so forth.

What business consulting solutions have to do with small businesses?

Contrary to popular opinion that business consulting solutions are new ideas, these happen to be around for many years today. Depending on the company providing it, the program provided may assist small businesses and bigger companies.

In a small business arrangement, consultancy companies can assist new entrepreneurs in entering a commerce. They could aid in creating business designs and start marketing and advertising promotions. This is particularly beneficial so the business owner is able to use resources to the fullest extent.

Small business consulting firms also assist in setting short-term objectives as well as long-term goals. Short-term objectives might entail getting the focus of a particular group. Long-term objectives might include business ideas for the next five years. They may also integrate ideas on how to gain more earnings and customers.

Will this indicate small businesses will no longer need to have them once they end up as big companies?

No, this is not the event. Large companies that were once small companies may nevertheless need to have experts. Such instances are prevalent because large corporations also have their own issues.

Some challenges might involve gaps or waiting times within the functions. Widespread circumstances may entail painfully slow accounting systems or challenges in other areas inside the enterprise operations. The main objective of smal lbusiness consulting firms is usually to give solutions.

Say, your firm's bookkeeping procedure suffers from sluggishness at specific weeks and you don't know what to do. It will be the consultants' job to take a look at the techniques in place and analyze what might be going drastically wrong. Their evaluation might then lead to formulating theories and definite steps on how to avoid this from taking place.

So employing a small business consulting firm solves it all?

Although many people assume these businesses give wonders, you need to keep in mind that managers also play a role. Considering that you are the owner, you will be in control of performing whichever suggestion the company builds up. Their scientific studies and action schemes, regardless of how great, will remain useless without successful enactment.

Begin looking for companies offering business consulting solutions right now. You could browse the internet to locate prospective companies. These leads will allow you to know the most recent bundles and offers on the market. Assess each one and ask for formal quotes to list down the top consultancies you like.

Eloise Henry is a finance analyst who has interviewed various small business consulting firms about their business consulting solutions and strategies.

Source: http://www.articlemisc.com/factors-you-must-know-about-business-consulting-solutions-and-small-businesses/?utm_source=rss&utm_medium=rss&utm_campaign=factors-you-must-know-about-business-consulting-solutions-and-small-businesses

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Another former Penn State official asks charges be dropped (Reuters)

HARRISBURG, Pa (Reuters) ? Another former Penn State University official accused of lying to a grand jury about the sex abuse scandal has asked the court to dismiss the charges against him, the second former university official to do so this week.

Gary Schultz, a former university financial official who also headed campus security, was forced into retirement soon after former football assistant coach Jerry Sandusky was charged last year with 52 counts of molesting 10 boys over a period of 15 years. Some alleged incidents happened on the State College, Pennsylvania school's main campus, prosecutors said.

Schultz was charged with perjury over his testimony to a grand jury about why he failed to act against Sandusky after he heard an accusation of abuse.

Schultz was also charged with failing to report the alleged crime to police, as was Athletic Director Tim Curley. Curley, on Monday, petitioned Dauphin County Court to drop the two charges. Schultz also petitioned the court to join Curley's motions.

Schultz' attorney Tom Farrell said in his motion to dismiss the perjury charge that there is no corroboration for a former graduate assistant's testimony that Schultz was lying to the grand jury. The graduate assistant, Mike McQueary, testified that he saw Sandusky in the shower with his arms around a young boy and that he thought the incident was "extremely sexual and over the lines."

Sandusky's indictment in November shocked the U.S. collegiate sports world and led to the dismissal of Penn State's long-time head football coach, Joe Paterno, who died of lung cancer on January 22. University President Graham Spanier also lost his job.

(Editing by Greg McCune)

Source: http://us.rd.yahoo.com/dailynews/rss/crime/*http%3A//news.yahoo.com/s/nm/20120215/us_nm/us_crime_pennstate_schultz

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NM Senate approves corporate income tax change (AP)

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Does higher minimum wage increase unemployment?

Some say that as unemployment falls, the quality of available workers diminishes, which droves down wages. Is it true?

Ralph Musgrave posted this comment to my post about minimum wages:

Skip to next paragraph Stefan Karlsson

Stefan is an economist currently working in Sweden.

Recent posts

Stefan,
You claim that the text books say that ?higher minimum wages will increase unemployment if set above the marginal productivity of more workers.? I suggest the latter statement is meaningless (or it?s a circular argument) because minimum wages themselves (along with union wages and other factors) determine what level of remuneration corresponds to the marginal worker. I?ll explain.

As unemployment falls, the marginal product of labour falls because it becomes increasingly difficult for employers to find suitable labour amongst the unemployed. And employers will continue hiring from the ranks of the unemployed till the marginal product equals the minimum wage / unions wage, etc. At which point employers tend to begin poaching labour from each other, rather than hire from the unemployed.

Well, first of all, let's make it clear what "marginal productivity" is. Marginal productivity has nothing directly to do with the actual pay received by workers. Marginal productivity is the value added that a particular worker's work effort creates (or could create in cases where the worker is unemployed). To what extent this value goes to the worker or the employer is irrelevant for the issue of how big this value is.

And as for the idea that marginal productivity of workers fall as unemployment falls, it seems plausible and could in some circumstances be right, but only under certain circumstances. First of all, employers must always hire the best persons, something that probably and hopefully is usually true, but definitely not always, either because employers have too little information, or because the job seekers is not as good at applying for jobs as performing jobs or because employers might have irrational hiring practices.

And secondly, employers might not pick employees on the basis of their marginal productivity, they could pick them on the basis of how costly it is to hire them. A profit maximizing employer wants to maximize the difference between his workers marginal productivity and pay, but that can be maximized both by maximizing marginal productivity and minimizing pay.

And thirdly, to the extent that falling unemployment reflects rising demand or lower supply for labor rather than lower pay, this means that the perceived marginal productivity of workers (again defined in the term of how much value added a worker's efforts creates) rises generally.

Furthermore, the idea that hiring of the best unemployed during a period of falling unemployment means that marginal productivity falls is in a way true, but misleading because it confuses "generic marginal job seeker that can be hired" with individual workers. If the most productive unemployed gets hired it won't affect the (potential) marginal productivity of either any of those that gets hired and those that don't. It simply means that one shifts from more to relatively less productive workers.

The Christian Science Monitor has assembled a diverse group of the best economy-related bloggers out there. Our guest bloggers are not employed or directed by the Monitor and the views expressed are the bloggers' own, as is responsibility for the content of their blogs. To contact us about a blogger, click here. This post originally ran on stefanmikarlsson.blogspot.com.

Source: http://rss.csmonitor.com/~r/feeds/csm/~3/P0NWH357DXA/Does-higher-minimum-wage-increase-unemployment

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puma store online sale ? No Credit Check Car Loans Are Not ...

Posted By admin on February 14, 2012

Auto Loans ? No Credit Check Car Loans

Many auto loan borrowers, who have stable credit history and clean credit score, like to opt for guaranteed auto finance. It is because they are confident that auto loan lender will consider them to be the right bet for such types of loans. And they are true in making this opinion about themselves. After all, lenders prefer borrowers with good credit history and record. If you have fairly stable credit history, no auto loan lender would dare to lose you. He? consider you as his prospective customer. Whether you want to go for used auto finance, or new car auto finance, a lender will always welcome you with open arms. He will provide you with all sorts of loan benefits he can; and that too without tasking too much of your precious time. Online search would be immense help once you want to avail the best of loans. With proper research and analysis of the market, getting an enviable loan option would not be a big concern for you.

Are you ready to go for cheap car loan? If you thought that no credit auto financing is cheap and affordable auto financing, then you are wrong. No credit auto financing may be quickest available auto financing method, but there? absolutely no question where you can get this financing method to pay low interest rates. Therefore, by all means, no credit check car loan is certainly not a cheap option, as you may otherwise think. You need to discuss with the auto loan lender for more details, as he will be the right person to inform you on the kind of interest rates he would charge from you. With constant growing loaning options in the market, you have the range to choose the option that really suits your repayment needs. After all, only a convenient and affordable loan will rightly fit into your scheme of things.

Used car auto loans are one of the best loans which can be availed for no credit checks. But make sure that the car model should not be more than 5 years old, or else your chances to acquire loan will go down. Used car auto financing is also a good option to make your credit score strong.

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Source: http://www.pumastoreonline.org/blog/?p=135

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You Can Buy Boo, the Internet's Cutest Dog [Video]

Boo, an animal so impossibly cute as to make physicists question our understanding of the cosmos, is now available for mass production. It's soft. It's lifelike. We went hands-on with the most disgustingly cute toy ever seen. More »

Source: http://feeds.gawker.com/~r/gizmodo/full/~3/WQNL8bm1Sro/you-can-own-boo-the-internets-cutest-dog

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Source: http://articlesmesmerizing.com/product-reviews/good-jewelries-together-with-fantastic-charges-in-apples-of-gold

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Jeremy Lin, Knicks Guard, Takes Linsanity To Minnesota To Battle Ricky Rubio, Timberwolves (VIDEO)

Will tonight be the night? Knicks fans -- and increasingly the fans of rival teams -- are asking themselves if our Jeremy Linderella will turn into a pumpkin any time soon.

Well, 15 points on 7 of 12 shooting in the first half against the Minnesota Timberwolves suggests that the clock will not strike midnight on the Knicks' breakout star during his brief stopover in Prince's hometown. New York's winning streak seems in jeopardy at the intermission, though, as Kevin Love popped off for 20 and 11 in the first half. Of course, the battle that fans are tuning in to see is between the two point guards.

Jeremy Lin vs. Ricky Rubio.

Coming off his captivating 38 points in the Knicks' nationally televised win over the Los Angeles Lakers on Friday night, Lin picked right up where he left off. The unheralded 23-year-old point guard out of Harvard scored the last of his first-half points on an impressive, contorting drive to the rack.

WATCH VIDEO ABOVE

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Source: http://www.huffingtonpost.com/2012/02/11/jeremy-lin-knicks-guard-ricky-rubio-twolves-video_n_1270962.html

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China Unveils Best Moon Map Yet from Lunar Orbiter (SPACE.com)

China's space agency released an amazingly detailed map of the moon this week, marking the best view yet of the lunar surface as seen by a Chinese spacecraft, according to state officials.

The new moon map is made up of many high-resolution photos snapped by China's second lunar probe ? the Chang'e 2 orbiter ? and stitched together into complete view. China's State Administration of Science, Technology and Industry for National Defense revealed the moon map during a ceremony on Monday (Feb. 6), and the country's Ministry of National Defense posted the photos on the Web.

Liu Dongkui, deputy chief commander of China's lunar probe project, reportedly said the Chang'e 2 lunar map is the highest-resolution view of the moon ever recorded, according to a Xinhua news agency report.

While other spacecraft, such as NASA's Lunar Reconnaissance Orbiter, have taken better photos of certain portions of the moon, the Chang'e 2 map is the most detailed view of the entire lunar surface, he added. [Photos from China's new moon map]

The new moon map was assembled from photos taken by Chang'e 2 as it skimmed over the lunar surface at altitudes of between 9 and 62 miles (15 and 100 kilometers) between October 2010 and May 2011 during its primary mission. The photos have a resolution of about 23 feet (7 meters) and are 17 times sharper than the moon photos snapped by China's first lunar orbiter, Chang'e 1.

China launched the $132 million Chang'e 2 mission in October 2011 as a follow-up to the Chang'e 1 flight in 2007. The second lunar probe's main mission was to scout for potential landing sites for China's first moon lander, the Chang'e 3 spacecraft, which is slated to launch in 2013.

China's lunar exploration efforts are part of a three-phase program named after the mythical Chinese moon goddess Chang'e. The first phase of the program involves orbital reconnaissance of the moon, followed by a robotic lunar landing and later a sample-return mission.

The Chang'e 2 mission made a special point of examining a region of the moon's northern hemisphere known as Sinus Iridium (Bay of Rainbows), which is a top contender for China's first robotic moon landing.

After completing its primary goals last year, Chang'e 2 left the moon's orbit on an extended mission to explore a deep space. Today, Chang'e 2 is studying the Lagrange point 2, a stable point in space about 932,056 miles (1.5 million kilometers) from Earth on the side of the planet that is opposite the sun.

You can follow SPACE.com Managing Editor Tariq Malik on Twitter @tariqjmalik. Follow SPACE.com for the latest in space science and exploration news on Twitter @Spacedotcom and on Facebook.

Source: http://us.rd.yahoo.com/dailynews/rss/space/*http%3A//news.yahoo.com/s/space/20120210/sc_space/chinaunveilsbestmoonmapyetfromlunarorbiter

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Choosing Types of Appliances | DirectBuy Articles - Direct Buy ...

Appliances are essential in a home. A successful kitchen needs a good sized refrigerator that can store a fair amount of food. The laundry room wouldn?t be a laundry room without a washing machine or dryer.

Types of Refrigerators

The top-freezer refrigerator is a traditional type that takes after the older models. These types have two swinging doors, the fridge is on the bottom and the freezer is on the top. There are some refrigerators that have freezers on the bottom instead

. A third kind of refrigerator is the side by side fridge. These are vertical and have two doors that open up at the middle. One side is the refrigerator and the other side is the freezer.

The Laundry Room

Washing machines and dryers are essential to laundry rooms. If you have a smaller space, there are compact sized washing machines that can fit in small spaces. There also are dual machines where a dryer can stack on top of the washing machine to save space.

There are different brands to choose from. Some brands also offer energy efficient appliances. They come in different sizes so you will be able to find an appliance that fits your household.

When you need home appliances, and other home accessories, DirectBuy has a wonderful selection for you to choose from. You can purchase most everything you need for home improvement at dealer prices.

Tags: Appliances, DirectBuy, Dryer, Energy Efficient Appliances, Refrigerator, Washer

This entry was posted on Thursday, February 9th, 2012 at 7:11 am and is filed under Appliances. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

Source: http://www.directbuyarticles.com/3236/choosing-types-of-appliances/

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Bryan Cranston to direct episode of "Modern Family" (Reuters)

LOS ANGELES, Feb 8 (TheWrap.com) ? Bryan Cranston stars in and directs episodes of one of the best dramas on TV, and now he's directing an episode of one of TV's best comedies: an ABC rep confirms to TheWrap that Cranston is directing an upcoming episode of "Modern Family."

The "Breaking Bad" and "Malcolm in the Middle" star's episode of "Modern Family" will air later this season, and the sitcom's cast has been tweeting photos from his time on the set. The photos reveal that he was among the victors in a Nerf War.

"Check out our new Nerf war recruit, @BryanCranston. We won!" tweeted "Family" star Nolan Gould. He appeared with Cranston and co-star Rico Rodriguez, all armed with their Nerf weaponry.

Eric Stonestreet, who played an exterminator in a season one episode of "Malcolm in the Middle," tweeted, "Bryan Cranston is directing Modern Family this week. One of my first gigs was Malcolm in the Middle. He was and is a gent of a guy."

"Family" star Julie Bowen tweeted a photo of herself with Cranston, along with a compliment courtesy of "Parks and Recreation": "Walter White directs Modern Family! Bryan Cranston is amazeballs .. I can't stop asking him about @breakingbad."

Meanwhile, Jesse Tyler Ferguson tweeted another photo of Cranston and Bowen, and made what seemed to be a "Breaking Bad" joke: "Here is @itsJulieBowen questioning our director Bryan Cranston's suggestion to steal a Mobile Home." (An RV converted into a mobile meth lab was a vital part of the AMC drama's early episodes.)

The photo -- possible spoiler alert -- is taken in the Claire and Phil Dunphy living room, which includes a "congratulations" banner and a bouquet of red, white and blue balloons. Could this mean Claire wins the town council election? (End possible spoiler alert.)

Cranston, a three-time Emmy winner for "Breaking Bad," will further seal his reputation as a jack-of-all-trades when he guest stars on the February 19 episode of "The Cleveland Show," playing an entertainment critic named Graham Kensington.

(Editing By Zorianna Kit)

Source: http://us.rd.yahoo.com/dailynews/rss/tv/*http%3A//news.yahoo.com/s/nm/20120208/tv_nm/us_bryancranston_modernfamily

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Star Wars Xbox Kinect bundle and game due April 3

Microsoft

By Matthew Hawkins

An official release date has finally been issued for the Xbox 360 Limited Edition Kinect Star Wars console and the "Kinect Star Wars" game, courtesy of Major Nelson, Microsoft's primary community liaison when it comes to all things Xbox. Both are due for arrival on April 3rd.

As you can see above, the console is molded after R2-D2, and the controller appears to be made out of C-3PO's spare parts. Meanwhile, the Kinect itself is just plain white, but looks very classy nonetheless. The game is included and the package will retail for $450.

New information regarding "Kinect Star Wars" itself has also been revealed. In addition to swinging one's arms around to weld a lightsaber against Darth Vader, use the Force against a Rancor, and pilot a Pod Racer, several other modes are also now known.

Added to the mix is the ability to control Speeder Bikes and Landspeeders, plus assorted other craft in space battles. One has to assume that an X-Wing will be selectable, unless said action only takes place during the prequel trilogy era.

And not only is there the chance to go toe to toe with Lord Vader, but Count Dooku as well. No word yet on Darth Maul, or better, yet, Boba Fett, but fingers crossed.

Though most intriguing of all is the new "Galactic Dance Off" mode, in which you can cut a rug in Jabba's palace as Slave Princess Leia:

Microsoft

But if you're a guy, and being a digital version of a scantily clad Carrie Fisher is not your idea of a good time, how about C-3PO, looking for more limber than he ever did in the movies?

Microsoft

Is the above a simple cash grab, going after fans of by far the most successful franchise for the Kinect, "Dance Central," or just a natural extension of the license, given the tech that's being used? You be the judge.

The game is included in the aforementioned bundle, or is sold separately for $50.

Related stories:

Matthew Hawkins is an NYC-based game journalist who has also written for EGM, GameSetWatch, Gamasutra, Giant Robot, and numerous others. He also self-publishes his own game culture zine, is part of Attract Mode, and co-hosts The Fangamer Podcast. You can keep tabs on him via?Twitter,?or his personal home-base,?FORT90.com.

Source: http://ingame.msnbc.msn.com/_news/2012/02/08/10352696-xbox-360s-kinect-star-wars-bundle-and-game-due-april-3

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Fitness centers, personal trainers big business ... - Men Health ...

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Fitness centers, personal trainers big business in Central Texas

By Rebecca Rose

Killeen Daily Herald

Before dawn breaks in Killeen, the sound of pulsating music rises from a small storefront business on Elms Road.

Inside, a group of 20 men and women are dancing in unison, moving back and forth, as instructions reverberate from a loudspeaker: ?And left, and left and left ? and hold ? and two, three, four ? and right. Take it back!?

The rhythmic cheerleading comes from Jazzercise Killeen owner Michelle Fry as she leaps and glides on the riser in front of her regular 8 a.m. Thursday class.

Fry?s class isn?t the only one where clients are kicking up their heels to get fit. Physical fitness is a thriving business in the surrounding area, with large gyms and small-business owners competing for a share of the market.

Starting a gym or personal training business can be lucrative, but challenging, say top area fitness entrepreneurs. While options range from traditional group fitness classes to an array of new fads, ultimately for businesses to stay on top, it boils down to one factor ? getting results for clients.

It all starts with training the trainer.

Trainer certification

Simone Tucker is an adjunct professor at the University of Mary Hardin-Baylor who teaches classes in kinesiology. She also runs a coaching business for runners and offers personal training and yoga to a select group of clients. Tucker said a spurt of weight loss after pregnancy helped introduce her to the world of physical fitness as an occupation.

?I joined a gym (to lose weight) and ended up teaching some step aerobics classes,? she said. ?It just snowballed from there.?

Tucker, who now holds a master?s degree in exercise and sports science, said one of the most important parts of the process of starting a business is education, and ultimately, accreditation.

Since the state of Texas does not require personal trainers to be licensed, it?s up to the individual trainer to seek out certification and other training.

?You can call yourself a personal trainer today and market yourself as one,? said Tucker. ?However, you do want to be certified, so you don?t end up causing injury to a client, or worse.?

The National Association for Sports Medicine and the American Council on Exercise are among the top organizations offering accreditation in fitness. Certification programs guide trainers through a wide range of topics, including anatomy, physiology, kinesiology and other exercise and wellness related topics.

?They make sure trainers understand how the human body works, to learn about proper exercise executions, and proper form,? said Tucker.

Certification from national organizations can cost $300 to $600, depending on the type of course, an investment that could pay off big for trainers in the long run.

Personal sessions

Nancy Machado, a former professional body builder and owner of Muscles Machado in Killeen, offers one-on-one personal training sessions, as well as a comprehensive boot camp for clients. Machado, who is ACE certified, said she spent a long time researching which organization would be best for accreditation.

?We?re a military family, we move all over the place,? she said. ?I wanted something that I can take with me wherever I go.?

Through ACE, Machado is a certified personal trainer.

In addition, she holds a second certification as a health and fitness specialist, trained to work with clients with special conditions such as cancer, diabetes, heart disease and others.

Her initial study course lasted more than six months.

?It was very challenging,? she said. ?It?s an intensive study of kinesiology, physiology, body mechanics ? everything involved in being a personal trainer.?

For Machado, the idea of marrying her love of physical fitness with a business came from a desire to help people, an important aspect of maintaining a successful business.

?I enjoy the opportunity to help people better themselves,? she explained. ?I started this because I wanted to help others achieve their goals.?

Fitness craze

And entrepreneurs are finding success with partnerships and franchisers of other national programs.

Richard Vincent has been a co-owner of CrossFit CenTex in Belton since its opening in December 2008. CrossFit CenTex is part of a partnership with the national fitness brand, which combines weightlifting, sprinting and gymnastics.

What started as an Internet phenomenon featuring extreme weightlifting videos on YouTube, CrossFit is now a bonafide national fitness craze.

Vincent said workout arenas like CrossFit CenTex are dubbed ?boxes? due to their lack of mirrors and machines. Workout philosophies focus on physical ability, not physical appearance.

?What we care about is not what you look like, but what you can do with that body,? he said. ?If we train you like an athlete ? you will look like an athlete.?

From a business standpoint, Vincent said boxes market to customers looking for more than a place for a quick workout.

?We don?t compete on price that way,? he explained. ?We?re personal training in a group setting.?

Vincent said the desire for workout enthusiasts to get the most out of their dollar is driving a switch to more community-based, intimate arenas.

At locally-owned Heritage Park Fitness in Harker Heights, trainer Sasha Brainerd agreed.

?The biggest advantage here is the intimacy,? said Brainerd.

?Most chains are bigger. They?re membership-driven, not so much person-driven,? she said. ?That?s what we can offer from being a small facility. We can tell people we?re never over-crowded.?

Word of mouth

Fry started Jazzercise Killeen in 2000, teaching classes out of a room at the Killeen Community Center. The aerobics dance studio now operates out of a studio on Elms Road, after what Fry called a long period of growth and expansion for the business.

As a franchisee of the national fitness chain, Fry and other instructors are certified through Jazzercise?s training programs. Additionally, the corporate wing offers marketing and advertising support, a valuable benefit to a growing business.

To grow her client base, Fry said she opts for a layered approach to marketing, with newspaper, radio and television advertising, which makes up the majority of her investment outlay for the business.

?But by far, for us the best method is word of mouth,? said Fry, who pointed to other clients? success inspiring friends and family to join as well.

Machado and other trainers echoed her sentiment. Machado said she is routinely approached by new customers, intrigued by her success with others.

?You just start by working with someone in the gym,? said Machado. ?People see you, if you?re there consistently. They watch you. They see the client changing.?

But word of mouth ultimately still relies on results, trainers say.

?If you get results, you?re going to continue to see people,? said Brainerd.

Contact Rebecca Rose at rebeccar@kdhnews.com or (254) 501-7548.

Tips to pick a fitness program

For consumers, selecting the right type of program depends on individual tastes and goals. Programs are tailored to different personality types, and may not work for every person across the board.

Personal trainer Simone Tucker said consumers should be cautious when selecting a trainer or a particular program.

?If you are looking for a trainer, make sure they are certified with a reputable organization,? she said.

Most importantly, a trainer or fitness coach should be flexible, and understand the needs of his or her client. ?Make sure that the person is really listening to you, goals and needs,? she advised. ?Make sure they can work around your needs with your family and kids. We all have different challenges.?

Consumers should all start with setting a reasonable goal for themselves, whether its weight loss, completing a marathon, or gaining body strength, said Tucker.

?Set goals for yourself, making sure they are reasonable and achievable,? she said.

Tucker said the best advice is to avoid committing to a program that?s too ambitious, or out of one?s budget range.

?If you feel like you are being pushed into something you can?t afford, then you probably should just say no,? she said.

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Source: http://www.menhealthwizard.com/fitness-centers-personal-trainers-big-business-in-central-texas/

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In Prop. 8 Ruling, the Liberal Lion Coos (Prospect)

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Sean Carpenter, Director of Training for the Ohio, Kentucky & Indiana NRT Companies ? Coldwell Banker West Shell and Coldwell Banker King Thompson, shares his theory on training and explains the training programs available to Coldwell Banker King Thompson and Coldwell Banker West Shell real estate agents.
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Cannon says he is completely healthy after illness (AP)

INDIANAPOLIS ? What do you do after?recovering from a?serious illness? If you're Nick Cannon, you celebrate by attending the Super Bowl.

The entertainer was?hospitalized last month after suffering from a form of mild kidney failure, but he says he is now fully healed.

"This is a great place to get back and debut the healthy Nick," he said on Sunday during a break as the host of NBC's pre-show. "Everybody's out here having a good time, and you know people were worried like, `Is he going to be able to do the Super Bowl pre-show?' But I am 100 percent feeling good right now."

Cannon attributes his improved health to a change in diet, but says he does not eat the same food as wife Mariah Carey, who recently lost weight after giving birth to their twins Moroccan and Monroe.

"I used to be a fast-food junkie," Cannon explained. "She gets to have higher protein, which isn't fair because I love my steaks and I can't eat that anymore. Her carbs are lower so we are both on a diet, but it is different."

Cannon, who is a New York Giants fan, attended various events in the days leading up to the Super Bowl.

While his family was not with him, they were not far from his mind. When asked if he'd like to expand his brood one day, he laughed and said: "I would love to have more children. Now my wife on the other hand, I think the twins took a toll on her. She is like, `I ain't doing that again.'"

___

Online:

http:// www.nickcannon.com

___

Alicia Quarles is the AP's Global Lifestyles and Entertainment Editor. Follow her at www.twitter.com/aliciaquarles

Source: http://us.rd.yahoo.com/dailynews/rss/celebrity/*http%3A//news.yahoo.com/s/ap/20120206/ap_en_ce/us_super_bowl_nick_cannon

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Report: Monti says Italy a "safe place"

US Secretary of State Hillary Rodham Clinton arrives at the Security Conference on Saturday, Feb. 4, 2012 in Munich, Germany. Politicians and military representatives will join for the 48. Munich Security conference from Friday, Feb. 3 until Sunday, Feb. 5, 2012.(AP Photo/Frank Augstein)

US Secretary of State Hillary Rodham Clinton arrives at the Security Conference on Saturday, Feb. 4, 2012 in Munich, Germany. Politicians and military representatives will join for the 48. Munich Security conference from Friday, Feb. 3 until Sunday, Feb. 5, 2012.(AP Photo/Frank Augstein)

MUNICH (AP) ? Italy is now a "safe place" amid market turbulence, Premier Mario Monti said in an interview published Saturday, pressing for Europe to turn its political energy to generating growth rather than further plans to strengthen budget discipline.

Monti's comments in an interview with the German daily Sueddeutsche Zeitung came ahead of a planned appearance at the Munich Security Conference.

The annual gathering of security officials is tinged this year by concern about the eurozone debt crisis and comes as negotiations over a second bailout for Greece drag on.

Monti was quoted as saying that "an uncontrolled Greek state bankruptcy would be bad for everyone" but officials will avoid it. "Nevertheless, I think Italy is now a safe place."

Monti's government has been trying to regain investor confidence by cutting public spending and reforming a sluggish economy. Italy's struggle with high borrowing costs is a cause for concern because the country is considered too big to rescue if it gets into deeper trouble.

Efforts to get a grip on the eurozone debt crisis, which to a large extent have been shaped by Germany, have drawn criticism for focusing on austerity rather than growth. Most European Union leaders agreed last Monday on a German-pushed pact to strengthen budget discipline.

"These budget rules have permeated every cell of the European body," Monti was quoted as saying. "The problem is off the table."

"Political energy should not be wasted now on particularly original ideas for budget discipline, but (used) for a growth policy," he added, according to the report. He said that markets are more and more looking not just at deficit-cutting efforts but also at economic growth.

As well as opposing jointly issued debt, or eurobonds, Germany has been holding out against pressure to increase the eurozone's permanent rescue fund, the euro500 billion ($650 billion) European Stability Mechanism, which is to start work in July. It has pointed to plans to review the fund's size in March.

Monti was quoted as saying that March is coming soon, so Europe can be "relatively relaxed" about waiting to reassess the size.

Speaking at the Munich conference, U.S. Secretary of State Hillary Rodham Clinton said that "security and prosperity are ultimately inseparable," adding her voice to calls for Europe to generate growth.

"We need a common agenda for economic recovery and growth that is every bit as compelling as our global security cooperation," she said.

"We remain confident that Europe has the will and the means not only to cut your debt and build the necessary firewalls, but also to create growth, to restore liquidity and market confidence," she told delegates.

"As Europe emerges from economic crisis, we have to work harder to reinforce each other's recoveries," Clinton said. "We know we have a ways to go as well."

The European Parliament's new president, Martin Schulz, criticized a "one-sided fixation on budget cuts" in remarks on the conference's sidelines.

"We urgently need investment" in Greece, said Schulz, a member of Germany's opposition Social Democrats. "The money is there, and the fact it is not done is based on, I think, ideological and not pragmatic reasons."

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2012-02-04-EU-Europe-Financial-Crisis/id-3cf5418fa19d4a61bcb561bdd9733f66

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