Wednesday, September 26, 2012

Surprise, Chase is refinancing your mortgage - Katie Stout

While millions of struggling homeowners have had to jump through all sorts of hoops trying to refinance their mortgages, some have barely had to lift a finger.?
As part of 25 billion mortgage settlement that was struck between the nation?s five biggest banks and the state attorneys general and federal government, JP Morgan Chase had pledged $4.2 billion in mortgage relief for tens of thousands of borrowers by either reducing the interest rate or the principal owed (or both) on their loans.?

Read the full story

Source: http://katiestoutrealestate.com/2012/09/25/surprise-chase-is-refinancing-your-mortgage/

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Video: Former British PM Rings NYSE Opening Bell

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Source: http://video.msnbc.msn.com/cnbc/49164645/

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Tuesday, September 25, 2012

Food & Drink Innovation Network ? CADBURY DAIRY MILK ...

September 24th, 2012

Cadbury Dairy Milk is introducing another first with the launch of its exciting new products ? two different combinations to feature the additions of toffee popcorn and golden biscuit.

Cadbury Dairy Milk Golden Biscuit Crunch?is filled with layers of Cadbury chocolate finished with a bite of crunchy golden biscuit.

The large bar format is designed for sharing.

Cadbury Dairy Milk Toffee Popcorn bar is designed for sharing

The new Cadbury Dairy Milk Toffee Popcorn?couples two classic favourites together for the very first time, toffee popcorn and Cadbury Dairy Milk milk chocolate.

A new taste and texture, the Cadbury Dairy Milk Toffee Popcorn bar is also designed for sharing.

Hitting some stores 3rd September, each bar will be available to buy from all major retailers at an RRP of ?2.25 for 200g (Cadbury Dairy Milk Golden Biscuit Crunch) and 150g (Cadbury Dairy Milk Toffee Popcorn).

Related posts:

  1. CADBURY POPCORN IS CHOC FULL OF SALES POTENTIAL
  2. CADBURY DAIRY MILK BAR GETS A ROYAL TOUCH
  3. CADBURY DAIRY MILK LAUNCHES NEW COMMUNICATIONS PLATFORM
  4. CADBURY AND BURTONS TEAM UP TO RELEASE NEW BISCUITS
  5. NEW CADBURY PRETZELS ENTER THE SNACK MARKET
  6. NEW HALLOWEEN BISCUIT RANGE FROM CADBURY
  7. NEW CADBURY FABULOUS FINGERS
  8. CADBURY DAIRY MILK LAUNCHES FAIRTRADE CAMPAIGN

Source: http://www.fdin.org.uk/2012/09/cadbury-dairy-milk-introduces-two-new-varieties/

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Golden Cross for Gold: Not as Bullish as You ... - Yahoo! Finance

Gold is cooling off after a 5-week central bank-driven rally sending prices up over 10% in the short term. Dollar strength is pressuring commodities across the board today, with gold down nearly 1% in early trading.

Last Thursday the precious metal's move formed the Golden Cross ? widely regarded as a bullish technical indicator formed when an asset priceline's 50-day moving average breaks above its 200-day moving average. The last significant golden cross on the gold chart was February 6, 2009; from which gold prices rallied 11% in the following eleven trading sessions.

"The golden cross is a technical term a lot of people use and I think it's very much overcompensated with enthusiasm," says Don Hays, founder of Hays Advisory, in the attached video. "The golden cross works sometimes and it doesn't work other times."

He questions the indicator's reliability because it's so heavily watched by traders that dump out the moment it shows signs of breaking down. Instead, Hays views gold as a "fear index" and attributes its 11-year bull run to the attacks on 9/11.

"We actually would like to see gold come down, we would think it's fear coming down," he says. "We're hoping that it will roll back over, and if that happens it would be a very good sign for the U.S. and the world."

And, in Hays' view, that type of psychological shift would be fuel for the 2012 rally that has S&P 500 up 16% year-to-date, the Dow Jones Industrial Average up 11%, and the Nasdaq up 21%. All three major U.S. indexes up over 4% so far in September.

"If gold turned down it would be very good for stocks and for the feelings of people," Hays says. "They would just start feeling better about their country and themselves."

Source: http://finance.yahoo.com/blogs/breakout/golden-cross-gold-not-bullish-think-says-hays-134232036.html

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Monday, September 24, 2012

More uproar about replacement officials

Replacement officials are getting to Bill Belichick, too.

The New England Patriots coach grabbed the arm of an official as they were leaving the field Sunday night after rookie Justin Tucker's last-second field goal barely sneaked inside the right upright, giving Baltimore a 31-30 victory.

Belichick said he doesn't expect to be fined for making contact with the official, although that usually is NFL policy.

"I'm not going to comment about that. You saw the game," Belichick said in his postgame news conference. "What did we have, 30 penalties called in that game?"

Actually, it was 10 for 83 yards, fewer than the Ravens' 14 for 135 yards.

"It's our job to go out there and control what we can control," Belichick added. "That's what we're going to try to work on. Talk to the officials about the way they called the game. Talk to the league about the way they called it. I don't know. But we just have to go out there and try to play the best we can."

The kick was close, but replays clearly showed it was good.

Week 3 produced suspect calls during several games, even as the league and the locked out officials' union met.

Two people familiar with the talks said the sides held negotiations Sunday. It was uncertain whether progress was made in an attempt to reach a new collective bargaining agreement, or when further negotiations would take place.

The two people spoke to The Associated Press on condition of anonymity because the talks are not being made public.

The NFL locked out the officials in June after their contract expired. The league has been using replacement officials, and through three weeks of the regular season there has been much criticism over the way some games are being handled.

Particularly on Sunday.

Replacement officials admitted making two mistakes in Minnesota's victory over San Francisco, while a few other games included questionable calls that could have affected the outcomes.

Referee Ken Roan said he twice granted 49ers coach Jim Harbaugh video challenges after Harbaugh called timeout in the fourth quarter. Neither challenge should have been allowed once Harbaugh asked for time.

"What I told him was, 'Well you challenged it not knowing what the result of the play was going to be,'" Roan said. "So I granted him the challenge and we went and looked at it. That was wrong. I should not have."

Both mistakes happened in the span of six plays in Minnesota's 24-13 upset of the 49ers.

"My interpretation of it was that he could do that based upon the time factors and not knowing it was a challengeable play to begin with when he called timeout," Roan said. "If you don't have a timeout to lose, you can't make a challenge."

Earlier Sunday, the NFL players' union sent an open letter to team owners calling for an end to the lockout.

In the Lions-Titans and Bengals-Redskins games, officials marched off too much yardage on penalties.

Lions linebacker Stephen Tulloch's helmet-to-helmet hit on Craig Stevens wound up as a 27-yard penalty in Tennessee's 44-41 overtime win. In OT, from the Titans 44, Jake Locker passed to Stevens over the middle for a 24-yard gain and Tulloch was flagged for the hit. Fourteen yards were added to the end of the play, which then was reviewed and overturned because the ball hit the ground.

However, the penalty still is enforced. Instead of 15 yards, officials marked it off from the Detroit 44 ? the wrong spot.

"As soon as the play was declared incomplete it becomes a first down and it becomes 15 yards from the play before," Lions coach Jim Schwartz said.

The Redskins were penalized 20 yards instead of 15 for unsportsmanlike conduct in the final seconds of their 38-31 loss.

Robert Griffin III spiked the ball to stop the clock with 7 seconds left. Then tight end Fred Davis was called for a 5-yard false start penalty.

According to Washington coach Mike Shanahan, at least one official indicated there would be a 10-second runoff, ending the game ? and the Bengals, led by coach Marvin Lewis, started walking onto the field. There shouldn't have been a runoff, though, because the clock had been stopped by the spike. The Redskins began arguing, and eventually the unsportsmanlike conduct penalty was called.

The officials never announced specifically who the call was against, just that the penalty would be added to the false start, a total of 20 yards. But they walked off 25 yards ? the official game play-by-play said 20 yards were enforced for the unsportsmanlike conduct.

That left the Redskins with a third-and-50.

"They threw the flag at us, and there was half of the (Bengals) team on the field," Shanahan said. "I was disappointed in that."

The players' union posted an open letter to team owners calling on them to end the lockout of the regular officials that began four months ago. The NFL used replacements in 2001 for one week before a new deal was reached.

This year, criticism from coaches and players has mounted for the replacements, who come from lower college levels or from other leagues such as Arena Football.

There have been numerous complaints by players and coaches ? certainly more than when the regular officials work ? and Sunday was no different. In one particularly embarrassing episode, an official was removed from working a New Orleans game last week because he posted photos of himself in Saints gear on Facebook.

Then there were more questionable decisions Sunday:

?At Nashville, with 16 seconds remaining in regulation, Detroit's Shaun Hill threw to Nate Burleson on the sideline and he then lost the ball. It looked to be a completion then a fumble because the side judge threw his beanie, but another official ruled an incomplete pass. Titans CB Alterraun Verner had grabbed the ball and started to run and there were questions why the replay booth didn't review it.

?Cowboys quarterback Tony Romo fumbled twice on plays in the third quarter that weren't initially ruled turnovers until challenged by Tampa Bay coach Greg Schiano.

First, Romo was in the grasp of Gerald McCoy with his right arm extended, when he flicked the ball forward in what was initially ruled an incomplete pass. Officials watched the replay and determined the ball was loose when Romo tried to push it out, and called it a fumble recovered by Gary Gibson at the 19.

Later, Michael Bennett sacked Romo and knocked the ball loose, but officials quickly whistled the play dead and Romo down even as Eric Wright ran toward the end zone with the football.

After Schiano challenged, officials reversed it to a fumble recovered at the 31, and the Bucs failed to score.

"They blew it dead. But the refs are doing a great job," McCoy said. "A lot of people are complaining. We've got what we got. Everyone needs to accept it. They're trying their hardest. No ref wants to go out there and make a bad call."

?Raiders receiver Darrius Heyward-Bey was taken to the hospital with a neck injury after a helmet-to-helmet hit from Steelers safety Ryan Mundy that was not penalized.

Heyward-Bey was running across the end zone early in the fourth quarter to catch a pass from Carson Palmer when Mundy launched his body and lowered his helmet into Heyward-Bey's facemask. Heyward-Bey's neck jerked violently and his head also crashed into the ground. The pass was incomplete.

"Once again, the refs missed it, like they always do," Oakland defensive tackle Tommy Kelly said.

?Dolphins tight end Anthony Fasano was ruled to have made a catch near the Jets' goal line and the call was held up after review, even though the ball touched the ground as he was tackled.

"Well, I think the fact that we have to talk about it after every game is something right there," Vikings linebacker Chad Greenway said. "I don't think in my seven-year career that I've had to do that ever. So that probably tells you the story right there."

___

AP Sports Writers Antonio Gonzalez, Josh Dubow, Jon Krawczynski, Teresa M. Walker, Stephen Hawkins, Howard Fendrich and Joseph White contributed to this story.

___

Online: http://pro32.ap.org/poll and http://twitter.com/AP_NFL

Source: http://news.yahoo.com/more-uproar-replacement-officials-002332737--nfl.html

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Kazakhstan's long-serving prime minister resigns

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Marriage at the Ballot: Lindsey & Jessica in Maryland | The Bilerico ...

LindseyJessicaMarylandMarriage.jpegEvery couple has a special place - the place where they met, or the place where they first said "I love you," or the place where they shared the perfect day.

For Jessica Chipoco and Lindsey Dawson, that place is a hiking trail by the Potomac River in Maryland, just outside of Washington, D.C. It's where they spent their third date, hiking along the river, admiring beautiful waterfalls, and realizing that they have a mutual appreciation for the outdoors. It's where they went to celebrate Jessica's birthday last year, scrambling up and down the river's boulders with their friends. It's where they got engaged to each other on New Year's Day 2012. And it's nearby where they'll get married on March 30, 2013, when they'll stand in front of their friends and family members and pledge their commitment to each other.

Lindsey and Jessica met online in March 2011 while living in Washington, D.C. Lindsey had recently moved to the city for an internship, and soon after she moved, she began online dating in hopes of exploring the city while meeting new people.

"You get those alerts when you do online dating, and Lindsey popped up and I was like, 'Oh, she's cute!,'" said Jessica, who works as an attorney in Rockville, MD. "So I wrote to her, and she wrote back to me, and pretty much we've been hanging out ever since...and we'll be hanging out forever now."

Their relationship began tentatively - Lindsey's internship had an end date, so both women approached the relationship with caution, fearful of becoming too invested if Lindsey were to leave D.C. But the length of her internship got extended again and again and again, and before Lindsey and Jessica knew it, they were in invested, in love, and committed to staying together. Lindsey landed a job in D.C. doing HIV policy work, and the couple moved in together in September 2011.

Toward the end of that year, they began talking about marriage.

Both women care deeply about their families; Jessica is the youngest of four siblings, and she has seven nieces and nephews, and Lindsey is very close to her parents, aunts, and uncles. It was important to both of them to share their relationship with their family before getting engaged.

Their families adamantly supported their decision to marry. The relationship moved quickly, both families realized, but Lindsey and Jessica were in love, and they were ready to make a lifetime commitment to each other.

With their families' blessings, Lindsey and Jessica planned to get engaged on New Year's Day on the Potomac hiking trail - "their place."

"We decided that we would bring champagne and have some snacks and sort of have this day of getting engaged to each other," Lindsey said. "But the evening before, on New Year's Eve, Jessica made me dinner, and we had just finished eating and were enjoying champagne, and Jessica asked me then. And I said yes."

At the end of January, Lindsey and Jessica bought a house together in Silver Spring, Maryland. When the Maryland state legislature passed the freedom to marry in March and Governor Martin O'Malley signed it into law, Lindsey and Jessica were excited at the prospect of tying the knot in Maryland, the place they were beginning to make their home.

Despite their excitement, the women knew that the law would face a referendum in November. On November 6, Marylanders will be asked to vote "yes" on Question 6 to uphold the freedom to marry for same-sex couples in the state. Three other states - Maine, Minnesota, and Washington - also face marriage-related ballot initiatives, which you can read about here.

Lindsey and Jessica already have their wedding plans decided for March 2013 - they'll marry just a quick walk away from their hiking trail, at an outdoor retreat location in the woods in Maryland. But they want their perfect ceremony in Maryland by their special place to be their only ceremony - that is, they don't want to drive to Washington, D.C., where same-sex couples have had the freedom to marry since 2010, just to file paperwork demonstrating their love and commitment.

"I don't want our wedding to come and then have to truck over the D.C. border so that I can legally marry Jessica," Lindsey said. "It's going to be an incredible day, and I am so excited about it, but I don't want to have it be qualified by having to do something - cross the border - because my rights were not upheld by my state."

The couple understands that marriage matters to same-sex couples - that all committed couples should have the freedom to marry each other where they live and have their relationships respected by their community. They hope that on Election Day, Marylanders from across the state will cast votes for fairness and stand up for all loving couples and their families.

"Now that we've come to Maryland and started to make a home here, we want that place to be an open-minded state," Jessica said, imagining her future with Lindsey. "This is where we've bought a home, and we hope to have children here. It would be really validating to live in a state where the people said, 'Yeah - this is how it should be. This is what's right.'"

This story is cross-posted at Freedom to Marry.

Source: http://www.bilerico.com/2012/09/marriage_at_the_ballot_lindsey_jessica_in_maryland.php

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