Friday, August 31, 2012

De-Mystifying The Payday Loan Lender As A Form Of Debt Relief

When it comes to financial history, nobody is perfect. Everyone slips up here and there, whether it?s through splurging on a new suit or being a month or two behind on the monthly car payment. Money is a commodity, and when spent one hundred percent responsibly it can be your best friend. When money is hard to come by, rationing your budget is necessary and emergencies arise. Most payday loan companies not only understand, but also empathize with this fact.

Entities such as banks and credit unions come with a long approval process. This process involves an extensive credit check as well as a general income report. Oftentimes, even well-qualified individuals aren?t approved- let alone people with a few financial blunders in their past. Payday loan lenders are on your side, not to judge any past financial mishaps- but to help you get out of your personal financial crisis and move on with your life. With this understanding comes a few pertinent details.

Payday loans are not meant to be long-term loans to be taken out as a form of debt relief. If the loan is paid off in the original allotted time, there is no interest rate. This is one of the most redeeming factors of payday loan lenders! There is no quizzical math to do and the borrower knows exactly what they owe and when they owe it.

Loans from payday loan companies do not require credit history or collateral. Often, this cannot and will not be found with any other type of loan. One of the most frequently asked questions is ?Why is my rate higher with an online payday loan company?? The answer is simple: there is high risk involved when lending to an individual or company when there is no credit check or collateral involved.

Fast approval and easy applications are two other huge advantages of payday loans. Lenders recognize the fact that financial binds can be a very timely issue. Due to the fact that there is no credit check or need for collateral, the loan can be approved and in the borrower?s bank account as early as the next morning from the day of the initial application!

When there is no credit check involved, the avenues are opened up to individuals who would otherwise not be granted the loan due to poor credit. Collateral is not involved, therefore cannot be repossessed or used as means of payment. This creates high risk and in turn, is the reason for the higher rates when dealing with payday loan companies. Payday loan companies recognize the risk involved, but also recognize that the borrower is currently making an income and therefore has means to pay the loan back.

This simple trust between lender and borrower allows a deserving individual the chance to get back on the way to financial success. Easy applications and fast approval times are to the borrower?s advantage if they are in a time-sensitive spot and need the money as soon as possible. The responsibility to make the loan a smooth one lies both in the hands of the borrower as well as the lender. If the loan is ideally paid back in a timely manner such as your next payday, the higher rate doesn?t need to be an issue.



This entry was posted on Friday, August 31st, 2012 at 7:54 am and is filed under Debt. 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.

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Source: http://blog.ebusinessdebtrelief.com/?p=219

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Thursday, August 30, 2012

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Sandstone is formed from sand or quartz particles cemented together. It is a building material that boasts of being fireproof and resistant to the beating of the elements. For your outdoor home improvement project, sandstone is a very wise investment indeed.

The Strengths of Sandstone Walling Stone

Sandstone walling stone can be purchased in bricks, tiles and slabs. For walling stone, bricks and blocks are most commonly used.

Many homeowners have built strong perimeter or garden walls simply by stacking sandstone walling stone one on top of the other. Irish homes used to be built this way. Some though prefer to use mortar to hold the bricks and blocks together. Whether you want to build your wall in the traditional dry-stack fashion or mortared, you can use sandstone walling stone without worrying about its durability or strength. Sandstone walling stone can also be used for wall cladding. Try to view online galleries of homes with sandstone walling stone to see just how gorgeous they are in subtle hues of blue, brown and red. Sturdy as it is though, sandstone walling stone is sensitive to acids and salts so get a professional to apply the right type of sealant for your wall. This helps protect your walls and keep it from cracking or flaking.

When installed and cared for properly, sandstone Walling Stone can do wonders to the beauty of any home or landscape. It need not be painted because it comes in a wide range of color like black, gray, white, brown, red, pink and yellow.

Sandstone paving is just as charming. Here are some of its advantages.

The Advantages of Sandstone Paving

Sandstone paving is slip resistant which is why it is a favorite for outdoor living spaces. Even in areas frequently wet by the rain, sandstone paving prevents dangerous slip accidents.

Sandstone Paving can be done it two ways. It can be glued together by mortar or be set in sand. When set in sand, sandstone paving can hold itself together even during an earthquake. It is known to be strong even against extreme weather conditions. Sandstone paving can bear great weight without being damaged.

Interior designers love sandstone paving because of its natural beauty. It certainly works better than synthetic building materials in creating a very relaxing outdoor living space. A natural stone, sandstone paving blends well with any type of landscaping.

Whether it is for walling or paving, sandstone truly is a premier building material for the outdoors.

Stone Seller offers massive savings on a wide range of top brands of garden landscaping products , including Garden Paving , Stone Pavers , Natural Stone Paving , Paving Block , Stone Pavers , Concrete Paving , Paving Slabs and other associated landscaping materials that we can deliver direct to your door www.stoneseller.co.uk

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Britain, France see little hope for Syria safe zones

Major obstacles confront any bid to set up safe zones for refugees fleeing Syria's civil war, the foreign ministers of France and Britain warned Thursday, while insisting they would not rule out future action.

Britain's Foreign Secretary William Hague and France's Foreign Minister Laurent Fabius highlighted the military and diplomatic hurdles blocking special zones ahead of a UN Security Council meeting on Syria's humanitarian crisis.

Turkey was expected to reaffirm its call for safe zones inside Syria at the ministerial meeting.

Hague told a joint press conference with Fabius there are "considerable difficulties" with the idea.

"We are excluding no option for the future. We do not know how this crisis will develop," he said.

"It is steadily getting worse. We are ruling nothing out, we have contingency planning for a wide range of scenarios," Hague added.

"But we also have to be clear that anything like a safe zone requires military intervention and that of course is something that has to be weighed very carefully."

Hague and Fabius said the UN Security Council -- bitterly divided over the 17-month-old Syria conflict -- would be unlikely to give its crucial agreement to any military operation to protect a safe zone.

Russia and China have vetoed three resolutions which could have led to economic sanctions against President Bashar al-Assad over the conflict and totally rejected any military intervention.

Fabius echoed Hague's message. He also said "large-scale" military resources had to be found to protect refugees but said the conflict was almost certain to worsen and "then we will have to look at the different solutions."

Turkey has said there are more than 80,000 Syrians in camps in its territory and it will not be able to cope when the number reaches 100,000.

Turkish Foreign Minister Ahmet Davutoglu said Wednesday he was in talks with the United Nations on sheltering refugees inside Syria.

"We expect the United Nations to step in for the protection of refugees inside Syria and if possible housing them in camps there," Davutoglu was quoted as saying by the Anatolia news agency on Wednesday.

The United Nations says there are now 221,000 refugees registered in camps in Turkey, Jordan, Lebanon and Iraq which are all worried about security fallout from the influx.

Numbers fleeing Syria have grown in recent weeks as Assad's forces have stepped up their battle with opposition rebels. Syrian activists say more than 25,000 people have died in the conflict, while the United Nations puts the figure at almost 20,000.

France and Britain also announced new financial aid to UN efforts to help relief efforts inside Syria and in the camps in neighboring countries.

France will give five million euros ($6.2 million) on top of the 20 million euros already allocated. Britain will give an extra three million pounds ($4.75 million) on top of the 27.5 million pounds it has already contributed.

A UN appeal for $373 million for relief operations for Syria and refugee camps outside the country has raised barely $196 million.

The United Nations said fresh cash is urgently needed, and Fabius and Hague said other countries had to step up financial assistance.

"We call on other nations to increase their funding -- and on Security Council members to set a strong lead," Hague said.

Fabius said much of the new French money would go to "liberated areas" inside Syria which are now in opposition control.

The UN estimates there are 1.2 million displaced people sheltering in public buildings and many more sought refuge with family and friends to escape cities where Assad's forces are battling opposition rebels.

Some 2.5 million people have been affected by the conflict and a UN Food and Agriculture Organization estimate made in June said three million people are "food insecure".

Source: http://news.yahoo.com/britain-france-see-little-hope-syria-safe-zones-192702249.html

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Yahoo News bureau chief David Chalian fired (Michellemalkin)

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Japan cuts economic assessment as global slowdown bites

TOKYO (Reuters) - Japan's government cut its assessment for the export-reliant economy for the first time in nearly a year as slowing global growth weighed on exports, clouding recovery prospects and adding pressure on the central bank for further stimulus.

Deceleration in the United States and China, on top of Europe's debt crisis, caused the downgrade, the government said on Tuesday, warning that further global slowdown and sharp market swings posed risks to the world's third-largest economy.

The first such downgrade since October 2011 matches the assessment of private-sector analysts, but is somewhat bleaker than the view of the Bank of Japan (BOJ), which has said the economy is starting to pick up moderately.

"Looking at both domestic demand and overseas economies, I don't expect the economy to slide back into a recession but I cannot say it will stage a recovery either," said Yasuo Yamamoto, senior economist at Mizuo Research Institute in Tokyo, adding that Japan may enter a soft-patch in the third quarter.

The government assessment underscores policymakers' concern that fresh stimulus measures could be needed, as exports may struggle to recover before the effect on the economy of spending on rebuilding from last year's earthquake begins to fade.

"The economy is moderately recovering helped by reconstruction demand, while some weak movements were seen recently," the Cabinet Office said in its monthly report.

In the previous month's report, the government also said the economy was recovering moderately on reconstruction demand but merely noted that there were difficulties. The latest report's reference to "weak movements" struck a more negative note.

Japan's economy has outpaced growth of most G7 countries on robust private consumption and reconstruction spending. But July trade data showed the sharpest drop in exports since January, in line with trends seen among other export-driven economies in Asia, casting doubt on the country's recovery prospects.

The BOJ frets that the timing of a recovery may be delayed, but wants to hold off on easing monetary policy again unless risks heighten enough to kill any chance of a recovery.

"The BOJ feels it has eased enough already so it is likely to stand pat for the time being, thought it may cut its economic assessment next month following the poor trade data," said Mizuo Research Institute's Yamamoto.

Some analysts expect the next monetary easing to come on October 30, when the BOJ issues fresh long-term economic and growth projections, and may offer a bleaker assessment on the outlook if global growth remains sluggish.

COMPANIES FEELING PAIN

Japan's economy slowed to 0.3 percent in April-June as Europe's debt woes weighed on global demand, and economists have trimmed forecasts for growth in the second half of 2012 in a Reuters poll this month.

But their forecast for the current business year, ending in March 2013, matched that of the government and the BOJ, which both project a 2.2 percent expansion.

For now, policymakers are unlikely to sharply trim their projections for this fiscal year with strong growth in the first half seen offsetting the expected weakness later this year.

But they may be forced to slash their projection of 1.7 percent growth for the next fiscal year if demand for Japanese goods fails to pick up in major markets such as China.

Reflecting the plight of big electronic makers suffering from tough global competition and a strong yen, TV maker Sharp Corp said it would offer severance packages to as many as 2,000 workers in Japan as part of a plan to lay off one-tenth of its global workforce to cut costs.

Earlier this month the BOJ reiterated its expectations that overseas growth would gradually pick up while warning that there was a high degree of uncertainty over the outlook.

In the August report, the government also lowered its outlook for the world economy.

Flagging concern that personal consumption, which accounts for about 60 percent of the economy, may lose momentum, the government cut its view on private spending, saying it is in a moderately increasing trend, again using a slightly more negative term than a month earlier.

"We used the word trend to show that the pace of increase is slowing. Car sales are leveling off after a rapid increase earlier this year. In addition, poor weather in June has hurt consumption of clothing, beverages and air-conditioners," a Cabinet Office official said.

The government cut its view on exports and industrial production, saying shipments overseas were weakening and factory output leveled off recently. In July it said exports were showing signs of recovery and output was recovering moderately. (Reporting by Tetsushi Kajimoto; Editing by Simon Cameron-Moore and Alex Richardson)

Source: http://news.yahoo.com/japan-cuts-economy-assessment-global-slowdown-bites-000540376--sector.html

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Wednesday, August 29, 2012

Report: Sydney FC sets sights on Del Piero

Associated Press Sports

updated 5:23 p.m. ET Aug. 28, 2012

SYDNEY (AP) -Australian football club Sydney FC reportedly plans to try and sign former Juventus and Italy forward Alessandro del Piero as its marquee player for the next A-League season.

Sydney FC chief executive Tony Pignata is quoted as saying in Wednesday's edition of the Sydney Morning Herald that his club had already approached Del Piero through his management and was "going to go for it as hard as we can."

Pignata says "the board is 100 per cent behind this. We believe he's the perfect marquee player. This is not a gimmick, it's deadly serious."

The 37-year-old Del Piero became a free agent in May after playing a record 513 matches for Juventus. His 91 appearances for Italy make him the nation's fourth most-capped player.

? 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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Should US men be worried?

PST: The U.S. men's soccer team has a few strikes against it heading into its World Cup qualifying match at Jamaica. Michael Bradley's injury is just the latest.

Red Bulls salvage tie with United

WASHINGTON (AP) - Wilman Conde scored in the 88th minute to lift the New York Red Bulls to a 2-2 draw against D.C. United on Wednesday night.

Source: http://nbcsports.msnbc.com/id/48819128/ns/sports-soccer/

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Tuesday, August 28, 2012

3 Pricey Pet Services You Can Do Yourself - Mint

Brushing Dogs Teeth

I?m the proud owner of a stubborn dog who?s a little too smart for her own good. She?s definitely?the alpha dog in my house, and she knows it. As I?m writing this, she?s strutting around my home office like she pays the rent.

Except she doesn?t pay the rent ??I?do. I also pay for all her other expenses, which, according to the ASPCA?s?Pet Care Costs?chart, is about $875 a year.

So while I probably can?t do anything about my pup?s attitude problem, I can do something about the cost of giving her highness a good and healthy life.

The two biggest ways I?ve found to save on her costs is by?not?paying for the services I can do myself. Here?s what I?ve cut out ?

Training

Professional trainers and training classes get expensive.?Costhelper, a site that compares people?s average costs, has this to say about it:

  • Cost of group classes -?$45 to $125 average
  • Cost of private trainers -?$30 to $100 per hour, $240 to $600 for six sessions average
  • Obedience boarding school -?$950 to $2,500 average

Instead of spending hundreds of dollars on training, I trained my dog at home free. And if I can train a giant, stubborn dog to stay when she?s told, anyone can. I learned all of my training techniques online. Here are a few sites worth visiting:

  • WebMD Pets?? The pet section of WebMD has great?one-minute training videos?featuring a certified dog trainer. You won?t learn everything you need to know, but it?s helpful to watch the techniques in action.
  • Petfinder?? Petfinder has a?training section?that covers everything from behavioral problems to basic dog tricks.
  • Perfect Paws???Perfect Paws?has a ton of helpful articles on positive reinforcement training. They also have a section on how to train cats.

Nail clipping

When I first adopted my dog, I was terrified to cut her nails, convinced I would cut into the quick and cause unnecessary pain and a lot of bleeding. So I had the vet cut them ? for $43 each session. When that got too expensive, I started visiting a local groomer who charged $5 per nail, or $20 per session. But even at the reduced rate, six visits a year cost $120.

So I learned to trim my dog?s nails myself. The first try didn?t go too well ? there was some snarling and lots of apologies ? but after viewing a few how-to videos and reading some extremely helpful articles from the ASPCA, I now expertly cut my dog?s nails myself and save that money.

Before you start, check out the?Nail Care?article from the ASPCA that covers all of the basics you need to know, including buying supplies, proper trimming amounts, and how to handle fear in your dog. Then watch a?comprehensive how-to video?from the Self-Help Dog Training Blog to get the technique down .

Grooming

The?American Kennel Club?surveyed 1,000 of its online visitors on dog ownership costs. On average, respondents spent $190 a year on grooming.

While I wouldn?t suggest shaving a dog yourself (unless you have experience), you can easily?give Fido a bath and eliminate the need for a groomer. I bathe and brush my dog myself using a $7 bottle of shampoo and a $10 professional brush I bought from a groomer. I go through three bottles of shampoo a year. Counting the brush, I spent $31 on supplies the first year, a savings of $159 over a professional groomer.

By learning to do those three things myself, I save about $400 per year ? enough to pay for my dog?s pricey organic food for almost seven months, or buy dozens of toys and handmade treats from the doggie bakery in my neighborhood. I could even do something really crazy and spend some of that money on myself!

?3 Pricey Pet Services You Can Do Yourself? was provided by MoneyTalksNews.com.?

Source: http://www.mint.com/blog/consumer-iq/3-pricey-pet-services-you-can-do-yourself-082012/

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Passing on an eating disorder | Mental Health Hub

Claire Vickery was not surprised when scientists announced that eating disorders have a genetic link, because she and her two daughters suffered from the illness.

Eating disorders specialist Professor Howard Steiger, of McGill University in Montreal, told a conference in Adelaide last week that new discoveries in epigenetics show mothers pass a genetic predisposition to eating disorders to their children.

?The science of epigenetics is relatively new,? he said at the National Eating Disorders Collaboration National Workshop. ?Epigenetics helps explain how adverse development, stress, malnutrition and other influences can affect development of mental-health problems ? including eating disorders.?

Ms Vickery, 56, said she had bulimia from the ages of 16 to 29. ?I?m sure I?m carrying the gene.?

However, the president of the Australian and New Zealand Academy for Eating Disorders, Dr Anthea Fursland, said that genes alone would not result in a child developing an eating disorder. ?Genetic influences do play a part but they will not cause an eating disorder on their own,? she said. ?Eating disorders arise as result of a combination of factors but the common factor in every case is dieting.?

Ms Vickery?s two daughters, Anna and Laura, both had eating disorders when they were younger. They have all recovered but Ms Vickery?s experience led her to set up the Butterfly Foundation, which encourages prevention, treatment and support of those affected by eating disorders.

Professor Steiger said epigenetics would play a large role in understanding eating disorders. ?If eating disorders are about anything, they?re about the ways in which environments switch on hereditary vulnerabilities,? he said.

?It will give us a better understanding how it is that some people develop an eating disorder. It?s not due to moral weakness or character flaws, but real susceptibilities, for which we can find real physical evidence.?

By identifying the genes, he hopes to develop a test and even medication.

One of Ms Vickery?s daughters, Anna Spraggett, who is 33 and has three children, said she was excited about the discovery. ?It?s a positive step forward to finding a cure and treatment,? she said.

While she thinks that environmental factors play a part, Ms Vickery said if parents were aware their children were susceptible, they could be mindful of stressful triggers.

?This is not about guilt for mothers,? she said. ?But if there was a take-home message, it?s to choose your words with children ? no fat talk in the household ? or ever, in fact.?

with Rachel Browne

Article source: http://www.illawarramercury.com.au/news/national/national/general/passing-on-an-eating-disorder/2654870.aspx

Source: http://www.mhhub.com/archives/21344

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Number of single parents, are in the increase and this is not only due to a growing divorce rate but also due to pregnancies outside of a marriage. Teen pregnancies and unplanned pregnancies can leave a woman in a very vulnerable position, both socially and financially. Many unplanned pregnancies occur due to lack of proper birth control. Despite the fact that there are many birth control options available for preventing pregnancy, the statistics keep increasing. By using a proper contraceptive method, women are able to be sexually active without having to worry about pregnancy. While some contraception devices are more effective than others, the final choice will depend on the individual as well as medical advice. Birth control methods range from the Pill to cervical caps, diaphragms, intrauterine devices and hormone implants. Among one of the most effective methods of contraception is Implanon which can be ordered online for home delivery from Big Mountain Drugs, a reliable and well established international drugstore.

Choose from a Diverse Range of Contraception Lucky for us women, the choice of contraceptives is wide and easily accessible. Becoming aware of the variety of contraceptives available and their level of reliability is most useful for any women of child bearing age. This helps women make the choices of contraceptives that best suit them.

  • The Pill -- This is the most commonly prescribed and the most often used form of birth control. It consists of a month-long supply of pills containing synthetic hormones that prevent pregnancy. The Pill works by preventing ovulation, thickening cervical mucus and preventing implantation. If used as prescribed, the Pill is 99 percent effective in preventing pregnancy.
  • Cervical Cap -- This is a rubber cap with a round ring that fits around the cervix. It is a non-hormonal, latex-free device made of silicon rubber. The cap covers the cervix and is inserted along with spermicide. The cervical cap prevents pregnancy by preventing sperm from entering the uterus. The spermicide kills and immobilizes sperm. The cervical cap has a 20 percent failure rate.
  • Diaphragm -- This is a dome-shaped, rubber disk with a flexible ring that fits in the vagina and covers the cervix preventing sperm from reaching the uterus. This too must be covered with spermicide before placement. The diaphragm has an effective rate of 95 percent.
  • Intrauterine Device -- The IUD, as it is commonly known, is a T-shaped device which is inserted into the uterus by a gynaecologist. Most IUDs last for 5 years while the copper IUD lasts for 10. This method inhibits pregnancy by preventing the fertilization of the egg. The IUD has an effectiveness rate of 99 percent.
  • The Patch -- This is a skin patch worn on the lower abdomen, buttocks or upper body. It works by releasing oestrogen and progestin hormones into the bloodstream preventing pregnancy. This contraceptive method is also 99 percent effective in preventing pregnancy.
  • The Ring -- This is a removable ring that releases oestrogen and progesterone into the bloodstream preventing pregnancy. It should be inserted into the vagina every month and should be left for three weeks before replacement. The ring has a failure rate of less than 2 percent.

What is Implanon?

Implanon is a form of birth control that has an effective rate of 99 percent. This is a plastic rod, the size of a matchstick, which carries pregnancy preventing hormone progestin. The rod is inserted into under the skin, usually in the upper arm. Progestin prevents ovulation and thickens cervical mucus. This prevents the fertilization of the egg and sperm. The rod is inserted into the arm at a slight angle and can be kept in the arm for 3 years, although it can be removed at any time. Some side effects can be expected with the insertion of the rod. These include irregular bleeding and spotting, pain and scarring at the site of insertion, nausea, sore breasts and change in sex drive. Serious side effects of the implant include bleeding, pus or increasing redness and pain at the inserted site, breast lumps, jaundice, heavy or prolonged bleeding etc. These side effects should be informed to the doctor immediately.

As there are many birth control devices and methods available, choosing a one instead of risking an unplanned pregnancy is extremely important. The right method of contraception depends on the individual. With the long term nature and one time application, IUDs and Implants as Implanon are gaining in their popularity. If your gynaecologist has recommended the use of Implanon, this can be easily purchased from Bigmountaindrugs.com an online Canadian pharmacy. The insertion should however be done by a health care provider, in a clinic or a hospital setting.

Author:

Author Chani M Thebuwana contributes health articles courtesy of Big Mountain Drugs Canada, one of the top rung Canadian pharmacies. You can buy various Canada Rx drugs for any illness or medical condition, via our online pharmacy, at hugely discounted prices. Buy Implanon online in branded form or check other Canada drugs from Big Mountain Drugs.Com, a top Canadian affiliate pharmacy. This is a CIPA approved Canadian affiliate pharmacy operating from British Colombia, Canada and the customers are guaranteed with high quality drugs at cheap prices.

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Monday, August 27, 2012

Dean Baker: Romney Pledges a Fed that Will Screw Workers

Last week Mitt Romney committed himself to picking a Federal Reserve Board chairman that will try to keep workers' wage down, likely costing them tens of thousands of dollars over the next decade. You remember reading the front page news stories on this pronouncement?

Of course you didn't read them, because the media largely ignored President Romney's statement about his choice of Fed chairs. And all of them ignored its implications for people's wages and living standards. The media would much rather focus on the ongoing debate over President Obama's birth certificate or, when we are lucky, tax policy decisions that might in the extreme case make $1,000-$2,000 a year in difference to the typical family. The much more important policy decisions that allow people like Mitt Romney to be incredibly wealthy and the rest of the country to be struggling are totally off the media's radar screen.

Romney's statement about the Fed fits in the latter category because he said that he would pick a chair who supports a "strong dollar." The implication is that he wants the Fed to run policies that keep the dollar over-valued relative to other currencies, making U.S. goods uncompetitive in international markets.

The arithmetic on this is fairly simple. If the dollar is 20 percent above its proper value, then it means that prices of goods produced in the United States are effectively 20 percent higher relative to the goods produced in other countries. This strong dollar effectively makes imports 20 percent cheaper relative to goods produced in the United States. That naturally means that we will purchase more goods produced in Mexico, China and other countries and fewer goods produced in the United States.

On the flip side, this strong dollar means that our exports are 20 percent more expensive to people in other countries than would otherwise be the case. This is equivalent to putting a 20 percent tariff on everything that we export. Needless to say, this will seriously depress our exports to the rest of the world.

The over-valued dollar is by far the main reason that we have a $600 billion dollar (4 percent of GDP) deficit with the rest of the world. This deficit implies a loss of more than 6 million jobs, the vast majority of which would be in manufacturing.

Imagine how different the labor market would look today if we suddenly had an additional 6 million jobs, most of which were in manufacturing. Workers would have vastly more bargaining power on the job. Many could move from lower-paying jobs in retail or elsewhere in service sector to higher paying jobs in manufacturing. Even the workers who remained in the service sector would benefit from having a large number of additional job openings in manufacturing, since employers would know that workers had better paying options and therefore would have to pay higher wages to retain workers.

The arithmetic on this is striking. Productivity is projected to grow by more than 25 percent of the next decade. If workers get their share of productivity growth this would imply an increase in annual income for the typical family of approximately $12,000 by 2022. On the other hand, with a Fed following Romney's strong dollar policy, workers in 2022 will be lucky if their wages are as high as they are today.

Unfortunately there is no debate or even discussion of Fed policy and the dollar. Part of the reason is that both parties largely agree on the policy. After all, the strong dollar first became official policy under President Clinton, when Robert Rubin was Treasury Secretary.

While the strong dollar may be a loser for most people, it does offer large benefits for people like Mitt Romney, Robert Rubin and other members of the one percent. These people are all heavily involved in global business and their money goes further when buying into China, India and elsewhere when the dollar is stronger.

In addition, there are retail companies like Wal-Mart who have set up low-cost supply chains in the developing world that depend on an over-valued dollar. Do you think they want to see the price of the goods they purchase overseas rise by 20 percent when measured in dollars? The same applies to manufacturing companies like General Electric who produce most of what they sell in the United States overseas.

There is even a class dimension to the news coverage of the issue. Leading national reporters (and congressional staffers) like to take vacations in Europe and other foreign countries. Do you think they want to pay 20 percent more for these trips? That would be like a tax increase and we know how wealthy people feel about tax increases.

All of this means that when it comes to issues that will have a large impact on the living standards of ordinary working people, there is not even a debate in this election. We will probably be arguing over the status of the Bush tax cuts for the rich for at least another decade; meanwhile the elites in both parties will be doing everything they can to ensure that most people have no taxable income.

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Follow Dean Baker on Twitter: www.twitter.com/DeanBaker13

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Source: http://www.huffingtonpost.com/dean-baker/romney-pledges-a-fed-that_b_1834980.html

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Video: Highlights from LA's 2-0 win over Dallas

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Source: http://nbcsports.msnbc.com/id/21134540/vp/48797697#48797697

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The Internet: Your Source of Income While You ... - E-hustle Online

Carla E. | Home Based Business, Work at Home Tips | 10 hours ago

How to Make Cash on The Internet

How to Make Cash On The InternetAre you one of those people who dream of touring the various countries and cultures of Europe, going on safari in Africa or experiencing the numerous exotic sights and sounds of the Orient? If so, you?re in good company. Many people long to travel, yet they have no idea how to make it happen.?

Unless you?re independently wealthy, you still face the reality of needing to earn a living while you travel. By using the Internet to your advantage, it?s possible to create the very income that you need to subsidize your journey and live an independent life anywhere you choose.

If you have an area of expertise, you can use it to cash in with your own website. Whether you possess an extensive knowledge of crocheting, cycling, nursing or another activity, you can create a money-making website that showcases your talent. Update your content regularly, and create a downloadable e-book available for purchase by your readers.

Some people choose to write Internet content for a living. Whether you sell your articles and blog posts directly to the appropriate websites, or sell content on sites that offer articles to a variety of customers, you can certainly generate enough cash to live modestly in a country with a low cost of living.

Online auctions are another way to accumulate the money you need to travel. The items you find in exotic locations may appeal to locals or to those back home. Research the market and price your items accordingly. Pick up an authoritative book that outlines the process of selling via online auctions if you?ve never placed items up for bids before.

Virtual assistants are becoming more and more popular in the Internet age. Small business owners often hire a virtual assistant rather than employing a full-time secretary to handle their correspondence. If you have office experience, you can easily market yourself as a virtual assistant and garner a regular weekly pay-check.

If you?d like the security of working for a company rather than working for yourself, consider a customer service position. Many companies hire customer service reps to work from home to provide assistance to their customers. You?ll have set hours and a pay-check that you can count on.

Consider starting a travel blog to detail your experiences around the world. Once you develop a regular following, you can entice companies to pay you to allow them to advertise on your blog. The higher the number of hits you receive, the more you?ll be able to charge your customers for advertising space.

As you can see, there are numerous ways to generate an income using nothing more than your computer and an Internet connection. No matter what type of business you choose, you can receive your pay wherever you hang your hat. With online banking, you can easily link your bank accounts and credit cards together for easy money transfers. Using services like PayPal and Western Union can allow you to send and receive money anywhere in the world.

No matter how you choose to make and manage your money, there are ways you can stretch your U.S. dollars even further. Many countries have a cost of living that is significantly lower than that in the United States. Research locales that appeal to you, and search out those that will allow you to live on the least amount of money possible.

Some countries to consider when it comes to living cheap include India, Vietnam, the Philippines, Poland, Thailand, Mexico, Peru and the Czech Republic. As currency values and economies are always changing, it?s important that you research well before any move to make sure you have the most up-to-date financial information.

Once you know the ins and outs of making a living online, travel no longer has to be a pipe dream. By doing your homework and investing sufficient time and effort, you?ll be able to create an independent source of wealth that allows you to live anywhere in the world that you desire.

Lucy James is a full-time freelance writer and a part time internet entrepreneur. After reading ?The Four Hour Work Week? four years ago, cubicle escape became her no.1 priority. She arrived back in the UK from Koh Tao Island just over a month ago where she was able to live the luxurious lifestyle of a wealthy person on not much more than ?750 per month. Lucy writes for Premier Self Storage, an ideal company to use if you?re planning on mini-retirement or medium to long-term travel overseas.

By: Lucy James

Related posts:

  1. 5 Simple Ways to Earn a Full Time Income Online
  2. Some Unusual Ways to Make Money on The Internet
  3. Top 6 Internet Jobs That Are Kicking Off
  4. Work At Home Employment Tips from Successful Internet Moms
  5. Work At Home Is Not A Good Option For The Lazy

Source: http://www.ehustleonline.com/the-internet-your-source-income-while-you-travel-world/

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Sunday, August 26, 2012

Launch Your small business By way of Minimal Corporation Hosting |

It might be the situation that you just desire to host your internet site in your pay for and researching an internet host to satisfy the aim. In this particular regard you possess arrive throughout a good number of internet hosting conditions ? colocation internet hosting, focused web hosting, cloud internet hosting in addition to a large amount! Finally you will have chose to opt for an internet hosting that could be literally a ?cheap virtual online hosting?. Sure, your judgement is true by having a perspective this within reason low-cost with considerably better assets on reveal among the couple of internet sites! Although, you ought to understand that there could very well be some restrictions on this kind of low priced virtual web pages internet hosting program! Just because you happen to be sharing your internet hosting server with a few other corporations, chances are you?ll see the subsequent pitfalls ready to suit your needs:

A committed server would mean that that a complete server, which happens to be a bodily device that holds the knowledge identical to your laptop or computer does, is devoted only to your domain. You might be primarily leasing your entire device only for your web site. In a natural way, this is often the most costly style of web hosting. This kind of web hosting is most advantageous for giant industry web-sites that get of website traffic or which have to carry gigantic quantities of knowledge like client databases. Lots of people would not require a committed server for the online site. Most of the people can use economical domain web hosting particularly efficiently. Picking out good value domain internet hosting really is a tiny little bit tough simply because there is certainly many hosts around and a great many many different options. They are going to have a particular organize for this a good deal info transfer and a different regimen exactly where you could have a great many gigabytes of knowledge on the internet site, and it may possibly be described as a little bit mind-boggling.

It is always yet again since you might have absent for this kind of a bundle which would not allow for your website so you can get bandwidth as when needed. Aside from which the bandwidth might be also shared by using a giant range of buyers (the program company is not going to convey to you ways lots of small businesses are sharing the sources). Pretty much this less costly virtual internet hosting products are constructed on the one IP tackle that is certainly shared amongst lots of person web-sites ? weak to drop in free stability matters or unlawful offenses. For sharing exactly the same IP handle, you don?t know with which other style of organizations that you are sharing your IP. There may be nearly always an opportunity that the webpage falls prey (not attainable as IP is banned) for an additional corporation is linked to unlawful troubles (hoaxes, spamming, grownup content material and so forth).

It is rather unusual although, which explains why shared web hosting is so well liked even for several home business webpages. It truly is economical domain web hosting that has a tendency to get the job done just like clearly as other variations for the majority of people young and old. Opt an internet host which provides you quite possibly the most adaptable prepare with stuff like limitless facts transfer and gigabytes. Except if there is a webpage that explodes with page views, prospects are you might be not planning to violate any boundaries of your respective shared internet hosting. In spite of reasonably priced domain web hosting, guarantee the internet host are going to be accessible to facilitate you 24/7, and do not be fooled by tremendous inexpensive programs that need two decades of payment upfront. You choose the power to vary your low-priced domain internet hosting from month-to-month if you should get program that you are not satisfied with.

Prior to deciding to pick out an affordable web site internet hosting company you ought to be thoroughly conscious of one?s functionality you will require and whats on supply. You can get rid of out on necessary capabilities that you simply could use to produce and endorse your new web-based industry if you ever come to a decision to not researching the businesses very first. If you should are opening a fresh using the net firm that includes commonplace site coding for example html or php then you definitely will likely be excellent utilising shared web hosting. Community forums, blog sites, image galleries and buying carts may also be released utilizing shared internet hosting because easiest companies of such solutions deliver the functions you will want to set up and operate this sort of purposes. Employing a support that works by using the cPanel controls will empower you to put in these internet sites making use of the fantastico script installer. Mysql databases will likely be mandatory to operate these internet websites.

It is important to assure highest return on financial commitment in possessing a web site hosted. If internet hosting shouldn?t be appropriate, you certainly will never ever make most away from your web site. You really should opt for the cost effective web hosting assistance ? not a budget a person. Over all you may choose low-priced virtual blog web hosting, when you have ensured which you are selecting the most efficient and trustworthy program supplier. Perform a little examine within the issue and you also could arrive at the optimal assistance company and that?s giving cost-effective virtual web hosting to stay secure in this particular incredibly aggressive advertise.

Discounts for Netfirms 2012 lets you preserve quite a few money on Netfirms. Kindly drop by and see http://www.neutronfx.com/blog/ to acquire the newest working Netfirms promotion codes 2012.

Source: http://www.clickmyarticle.com/?p=52943

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South L.A. health clinic draws hundreds

Thirteen-year-old Stephanie Cota pulled up her sleeve and glanced at the needle.

"Is it gonna hurt?" she asked.

"You'll feel it, but you look like a strong girl," said Yadira Guerra, a licensed vocational nurse. "Just turn the other way."

When Cota started 7th grade this month, school officials told her she needed a whooping cough vaccine. On Saturday, she and her family came to a free health fair at Jesse Owens park in South Los Angeles to get the immunization.

Hundreds of families attended the event, which included the vaccinations, along with vision, hearing and dental screenings. Residents could also get their blood pressure and cholesterol checked, as well as receive health information about how to quit smoking and prevent lead poisoning. And children received free backpacks and school supplies.

Stephanie winced when the needle went in, but then smiled and told Guerra that it only hurt a little.

Stephanie's mother, Desiree Campos, said that being able to get the vaccine and other health checks at the park was so much easier than going to her doctor's office. "I have six kids, and I have to find transportation" to get to the doctor, she said. "This is a blessing."

State Sen. Roderick Wright (D-Inglewood), a co-sponsor of the event, said that the healthier children are, the better off they are going to be in the long run.

"If we are able to get them back into school as healthy as they can be, then they have a much better chance of being successful," Wright said.

Several public and private agencies, including Mattel Children's Hospital at UCLA and Charles Drew College of Medicine and Watts Health Center, participated in the event. Anthem Blue Cross offered the whooping cough vaccines.

All students starting 7th grade need proof of the whooping cough vaccine before they can start school, according to the state. The immunity wears off over time, which is why the booster shot is so critical. Whooping cough, or pertussis, is a bacterial disease that infects the respiratory system. This year, nearly all of the students are showing up with their vaccine, said Nelson El Amin, medical director of L.A. County's immunization program.

After a surge of cases in 2010, California has seen a steady decline, according to Gil Chavez, epidemiologist for the California Department of Public Health. There were 9,154 whooping cough cases in 2010 and 2,795 in 2011. There have been about 460 suspected cases this year, according to the state.

Denise Martin's two children were up-to-date with their vaccines, but she came to the fair so they could get their teeth and eyes examined. "I want to get them checked to make sure they're doing well," she said. "Going to the emergency room is expensive."

Audrey Wince said she and her five children come to the event every year. Wince said she was thankful for health screenings because she learned that her blood pressure was high and that her children needed glasses and dental work.

"They have got a lot of cavities," she said. "I got to get them to the dentist immediately."

anna.gorman@latimes.com

Source: http://feeds.latimes.com/~r/latimes/news/science/~3/L_8jB5_ztME/la-me-0826-whooping-cough-20120826,0,190801.story

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Spine Health: Lumbar Support | San Francisco Informer

By Dr. Donald A. Ozello DC

Las Vegas Informer

Support your spine while sitting to improve your spinal health. Utilize lumbar support in your office chair or car to lessen pressure on your spine.

In medical terminology the lower back is named the lumbar spine. The lumbar spine possesses five vertebrae and a natural forward curvature. When sitting in proper posture the posterior aspect of the forward curved lumbar spine does not make contact with the chair.

When placed properly between the lumbar spine and the chair a lumbar support pillow provides a greater amount of surface area contact. The larger amount of the lower back that contacts the lumbar support helps maintain correct posture and prevent fatigue.

High quality lumbar support pillows contain memory foam. Memory foam contours to the shape of user?s spine while providing support throughout the entire lumbar spine.

Lumbar supports come in multiple shapes and sizes. Many lumbar support pillows are convex in the front and flat in the back. This ideal shape perfectly fills in the natural gap between the lumbar spine and the chair.

Office chairs and car seats often have lumbar support built in. Set these built-in supports at the correct height with the proper amount of forward curvature for optimum results.

Proper sitting ergonomics is vital to the prevention and management of repetitive strain injuries and static position injuries. Proper lumbar support is a key ingredient to computer work station ergonomics.

When the lumbar spine is supported it is easier to maintain proper posture. When a lumbar support is utilized the user will immediately feel if the pillow shifts thus alerting him to reposition himself back into good posture. When the lower back is supported properly it is more difficult to move the middle back and neck into poor posture.

The human body is designed for motion, not long hours of sitting. Unfortunately, prolonged sitting at the computer work station or in the car have become a way of life. Utilize a lumbar support pillow or the built in lumbar support to prevent pain and symptoms.

Proper lumbar support is the foundation of correct sitting posture. Build a solid base to support your spine while sitting.

Incorporate lumbar support into your spinal health strategies to prevent and manage sitting-related injuries. Merge proper sitting ergonomics with exercise, nutrition and chiropractic care to achieve and maintain spinal strength, flexibility, motion and health.

Dr. Donald A. Ozello DC

Dr. Donald A. Ozello DC is the owner and treating doctor at Championship Chiropractic. 2595 S. Cimarron Rd, Suite #100, Las Vegas, NV 89117. ?His web address is?www.ChampionshipChiropractic.com. He can be contacted at (702) 286-9040 and?DrO@ChampionshipChiropractic.com.

Dr. Donald A. Ozello?s mission is to educate and inspire others to live healthier, fitter, more functional lives.

Dr. Donald A. Ozello DC writes a weekly health, fitness, exercise and nutrition column for The Las Vegas Informer. He is published in?OnFitness?magazine,Livestrong.com,?SpineUniverse.com?and?eHow.com.

Dr. Donald A. Ozello DC is an award-winning public speaker. He has spoken to numerous groups on health, fitness, exercise, ergonomics and nutrition.

Dr. Donald A. Ozello DC loves to exercise. Bike riding and kettlebell training are his current favorite types of exercises. He credits Arnold Schwarzenegger, Lou Ferrigno and Sly Stallone as major influences during his teens and early twenties.

Before pursuing his career in Chiropractic, Dr. Donald A. Ozello DC served in the United States Navy aboard the USS Bremerton, SSN 698.

Source: http://sanfrancisco.informermg.com/2012/08/25/spine-health-lumbar-support/

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Saturday, August 25, 2012

Failure Of Lilly Drug Is Latest Alzheimer's Setback

A PET scan of the brain of a person with Alzheimer's disease. Enlarge U.S. National Institute on Aging/Wikimedia Commons

A PET scan of the brain of a person with Alzheimer's disease.

U.S. National Institute on Aging/Wikimedia Commons

A PET scan of the brain of a person with Alzheimer's disease.

An experimental drug that aimed to slow the development of plaques and help clear them from the brains of Alzheimer's patients failed in two late-stage studies conducted by Eli Lilly & Co., the company said today.

It's another setback in a field marked by failure. Earlier this month, Pfizer and Johnson & Johnson said they were dropping development of a similar experimental drug after big clinical studies showed it wasn't working. And two years ago, Lilly announced another Alzheimer's drug flunked late-stage clinical tests.

The latest disappointment involved Lilly's solanezumab, a drug given by IV every four weeks. The studies, involving more than 2,000 patients with mild-to-moderate Alzheimer's disease, lasted a year and a half.

Patients who got the drug instead of a placebo were no better off on tests of memory and thinking. The same was true about tests on tasks of daily life.

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After combining the results from both trials, Lilly said it found some reason to think there might be an effect from treatment for some patients.

"We recognize that the solanezumab studies did not meet their primary endpoints, but we are encouraged by the pooled data that appear to show a slowing of cognitive decline," said a statement from John C. Lechleiter, Ph.D., Lilly's chairman and CEO.

While acknowledging the disappointing outcome, the Alzheimer's Association said in a statement that the pooled data contained "new and encouraging information."

But the pooling of data by Lilly also drew skeptical responses. Sally Church, a drug industry consultant, tweeted that it's "truly despair" when drugmakers "raise unnecessary hope/hype for [patients] when they have a clearly failed trial."

Pieter Droppert, a colleague of Church's, rounded up some of the on-the-fly analysis, including comments from John LaMattina, formerly head of research at Pfizer, and Derek Lowe, a drug industry and science blogger. The upshot was negative.

Lilly plans to talk with regulators about what to do next. More details on the results, which were sparse today, will be presented at medical meetings in October.

Source: http://www.npr.org/blogs/health/2012/08/24/159997459/failure-of-lilly-drug-is-latest-alzheimers-setback?ft=1&f=1007

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Israeli protesters warn against war with Iran

Yara Borgal / NBC News

Around 100 people demonstrated against a war with Iran in Tel Aviv on Thursday.

By Yara Borgal, NBC News

TEL AVIV, Israel -- A persistent group of anti-war protesters gathered in front Israel's Ministry of Defense in Central Tel Aviv on Thursday, chanting "We don't want another war!" and?warning the government against striking Iran's nuclear facilities.

Around 100 demonstrators carried signs declaring "No War" and "Don't bomb, talk!" Some lay on the ground and wrapped themselves in white sheets to simulate war casualties.


The demonstration, along with parallel actions in Haifa and Jerusalem, marked?the latest in a string of growing anti-war protests that has revealed?a deep unease many in Israel feel about a strike on Iran, despite Tehran's pursuit of nuclear technology.?

According to reports, Iran has installed many more uranium enrichment machines in an underground bunker, potentially paving the way for a significant expansion of work the West fears is ultimately aimed at making nuclear bombs.

NYT: UN chief heading to Iran despite US objections

While Tehran insists its nuclear program has peaceful aims, Israel sees the the work as a serious threat to its very existence and has said it would take unilateral military action against Iran if the international community failed to stop any development of nuclear weapons. It is also widely assumed that Israel has nuclear weapons although it has never openly admitted to it.

New Iranian missiles have been put on display in Tehran - an exhibition that appears to be a warning to Israel. President Ahmadinejad says the short range missiles are meant for defense, not attack. But in Israel people are watching warily. NBC's John Ray reports.

According to insiders, the United States and other Western countries have told Israel that there is still time for diplomacy, and have urged the government of Prime Minister Benjamin Netanyahu to give sanctions and diplomatic pressure time to work.

Most oppose airstrikes
The protesters on Thursday said they were not blind to the threat Iran posed, but said violence was not the way to diffuse tensions.

"A military attack will not annihilate the Iranian nuclear problem. It will only delay it,"?Sharon Dolev, the director of the Israeli Disarmament Movement and one of the protest organizers, told NBC News.

Another protester, Naor Kapulnik, said he believes the nuclear problem in the Middle East originated in Israel.

"This is a war Israel has been planning for years to maintain their monopoly on nuclear weapons in the Middle East," he said. "They say that this is the way to protect and bring security to the Israeli Jewish citizens but I think that this is the exact opposite since Israel were the first to get nuclear weapons in the Middle East."

Kapulnik, Dolev and other protesters are not alone: According to the latest poll released by the independent think tank, Israel Democracy Institute, over 60 percent of Jewish Israelis oppose a strike on Iran.

Ex-Israeli intel chief speaks out on Iran strikes

The demonstrators also said they did not believe defense ministry estimates of the number of civilians who would be killed if war does break out. Officials have said that in the case of a war with?Iran and Lebanese Shiite militia Hezbollah, some 200 Israeli civilians would die. If?Syria joined forces with its regional allies, fatalities could rise to 300, according to the defense?ministry.?

"This is a very ridiculous thing to say. This is just one example of how they view the price of the war," Kapulnik, the demonstrator, said. ?

"Who will suffer the price? It's not going to (Defense Minister Ehud Barak); it will be the ordinary people walking on the streets. One civilian dead is one too many," he added.

'Determined to attack Iran'
Nevertheless, some members of the political establishment appear intent on a violent confrontation with Iran.?

Netanyahu "is determined to attack Iran before the U.S. presidential elections in November," Alon?Ben David, the military correspondent for Israel's Channel 10 News, told NBC News. ?

Not only that,?President Obama would have no choice but to back the Israeli strike, he said.

According to an Israeli TV news channel, Prime Minister Benjamin Netanyahu aims to strike Iran's nuclear facilities in the fall before the U.S. election, which would send oil soaring. Walter Zimmermann, United-ICAP, and John Kilduff, Again Capital, weigh in.

Dov Khenin, a member of Israel's Knesset for the Hadash party and a fixture of social justice and anti-war rallies in Tel Aviv, participated in the demonstration.

Israeli rhetoric on Iran strike heats up?

"I am here to protest against all the threats and ideas that a preemptive strike on Iran can be seen as some sort of solution to the problems we have here in the Middle East," he said. "Such a strike will cause a devastating regional war that can create havoc both here in Israel and the region around us."

Other prominent figures inside the Israeli establishment have expressed their opposition to an Israeli strike on Iran's nuclear facilities, including President Shimon Peres, former Director of Mossad Meir Dagan and opposition leader Shaul Mofaz.

But despite the voices calling for caution on many levels of Israeli society, it is the government that will vote on the strike -- and according to journalist Ben David, Natanyahu it has an "almost guaranteed" majority there.

Yara Borgal / NBC News

Some of the protesters in Tel Aviv lay on the ground and wrapped themselves in white sheets to simulate war casualties.

Netanyahu's government recently persuaded Foreign Minister Avigdor Lieberman, who previously objected to attacking Iran, to support such a move. Netanyahu also reportedly dispatched a senior official to update Rabbi Ovadia Yosef, the elderly spiritual leader of the Shas ulta-orthodox coalition party, on the Iranian nuclear program in an attempt to win over Shas ministers' support for an attack.

On Friday Israel's Haaretz newspaper reported that Israel's security cabinet -- the body within the government responsible for?diplomatic negotiations and decisions in times of crisis -- is currently split evenly six to six on whether to bomb Iran. According to the paper, Netanyahu would almost certainly be able to garner a majority in support of such a move.?

Despite these behind-the-scenes moves, Dolev and other protesters insisted on having their voices heard.?

"There are other options that (the government) should put on the table if they are sincere. The option is talks," she said.?

More world stories from NBC News:

Follow World News from NBCNews.com on Twitter and Facebook

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Source: http://worldnews.nbcnews.com/_news/2012/08/24/13451075-israeli-protesters-warn-against-war-as-government-appears-to-prep-iran-strikes?lite

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