Former pop star Frankie Valens becomes pastor of small church in US

SYRACUSE, Kan. - Pop star of the 1960s and 70s Frankie Valens has a new gig ? as a preacher at a small church in the U.S.

The Garden City Telegram reports that the singer, who had hits with "Smoke Gets in Your Eyes" and "The Lion Sleeps Tonight," became the pastor of First Christian Church in Kansas about a month ago.

Valens' father led the same church in 1978 and 1979.

The 70-year-old Valens says he's never preached from a pulpit but says he's been testifying about his faith for years.

Source: http://news.yahoo.com/former-pop-star-frankie-valens-becomes-pastor-small-161317475.html

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Royal Bank America (RBPAA) Names New President and Chief Executive Officer

Royal Bancshares of Pennsylvania, Inc. (NASDAQ: RBPAA) today announced that F. Kevin Tylus has been named president, chief executive officer and a director of the bank, effective immediately. He will report directly to the board of directors.

Today's announcement completes a management transition plan that was first announced by Royal in April 2012. Robert R. Tabas, who has served as chief executive officer since 2009, will retire from day-to-day management of the bank and holding company, but will remain as chairman of the board of directors.

Mr. Tylus was president of Yardville National Bank from 2004 to 2007, and served on the company's board of directors from 1991 to 2004, continuing as a non-independent director through 2007. During his tenure as president, Yardville expanded its footprint to 35 branches in New Jersey and Bucks County, PA, grew to $3 billion in assets, while market capitalization nearly doubled from its 2002 public stock offering. He also brings extensive capital markets experience, having worked with investment bankers and investors on a range of successful capital raising initiatives. He also was responsible for establishing an enterprise risk management culture, satisfying regulatory requirements and expanding customer-facing and internal technology capabilities. Mr. Tylus chaired several Board committees during his tenure as an independent director including the Strategic Planning Committee.

After the sale of Yardville, Mr. Tylus remained with PNC as regional president of its newly-created Central New Jersey region, which represented 120 branches. Under his leadership, the region grew as a result of cross-selling initiatives and brand expansion. Prior to joining Yardville, Tylus held progressively-responsible leadership positions in the financial services, insurance, and healthcare industries. Early in his career, Mr. Tylus was a management consultant with Touche Ross (now Deloitte Consulting) where he became a Partner. He received his bachelor's degree from Gettysburg College in Gettysburg, Pa., where he serves as a Trustee and earned an MBA in finance from La Salle College in Philadelphia, Pa. He is a past member of the Franklin & Marshall College Leadership Council, the Chair of The Hun School of Princeton Board of Trustees and a leader for various community organizations.


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Source: http://www.streetinsider.com/Management+Changes/Royal+Bank+America+(RBPAA)+Names+New+President+and+Chief+Executive+Officer/7957383.html

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Squeezing Malignant Breast Cancer Cells Could Help Them Return ...

"Squeezing" malignant breast cancer cells could help to guide them back to a normal growth pattern, according to new research from UC Berkeley and Lawrence Berkeley National Laboratory.

Instead of the typical drug-focused methods, the manipulation of cell development through physical force shows for the first time that "mechanical" pressure alone can revert and stop the out-of-control growth of cancer cells," the university wrote in a release.

The school noted that the genetic mutations behind the malignancy remain, "setting up a nature-versus-nurture battle in determining a cell?s fate."

Researchers are not touting compression as a cure or treatment, however. ?Compression, in and of itself, is not likely to be a therapy,? cautioned Daniel Fletcher, professor of bioengineering at Berkeley and faculty scientist at the Berkeley Lab, in the statement. ?But this does give us new clues to track down the molecules and structures that could eventually be targeted for therapies.?

For the experiment, scientists grew gelatin-encased malignant breast epithelial cells in flexible silicone chambers. The squishy housing allowed researchers to apply compression in the early stages of cell growth, the university said. The compressed malignant cells grew more organized and healthy-looking compared with the uncompressed malignant cells.

?People have known for centuries that physical force can influence our bodies,? researcher Gautham Venugopalan explained in the news release. ?When we lift weights, our muscles get bigger. The force of gravity is essential to keeping our bones strong. Here we show that physical force can play a role in the growth ? and reversion ? of cancer cells.?

The scientists presented their findings Monday at the American Society for Cell Biology in San Francisco.

The announcement followed other recent developments in the fight against breast cancer. This week a study was reported that aggressive breast cancer was found to be less common in women who wait longer to have children. Women who put off childbirth at least 15 years after their first menstruation may decrease the risk of aggressive breast cancer by 60 percent, according to the study.

In October a biotech firm claimed it was developing a sensor-equipped bra that can detect breast cancer. If trials continue to be successful, Lifeline Biotechnologies said its First Warning Systems bra would be available in the U.S. in 2014.

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Source: http://www.huffingtonpost.com/2012/12/18/squeezing-breast-cancer-cells-compression_n_2323376.html

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The World Map of Edasler Bria

Of the Strange and Wayward

A private roleplay between The Keywork, CNAGamer, BumbleDrop, Lenyx and Jakuri-chan.

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--> Forum for completely Out of Character (OOC) discussion, based around whatever is happening In Character (IC). Discuss plans, storylines, and events; Recruit for your roleplaying game, or find a GM for your playergroup.
Okay, so, this thread is nothing fancy, I only made it in order to post a link to a map of Edalser Bria...I drew it months ago and colored it on my computer, so it kind of sucks as far as things go, but it works well enough I think to get a general idea of the world and its layout.

The Map of Edasler Bria.

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Best Sony Game Consoles for Entertainment | MustReads.Info

The is a Japan-based multinational business group first and foremost centered on the Electronics. Panasonic is worldwide famous for electronic equipments like computer, TV, New Video Sony game console, Capsule, Digital camera and other AV/IT products & elements. It is Multinational Business situated in Japan. A gaming system not only simple to assemble but offering the highest degree of fun quotient for a family member is obviously what one has always dreamt about. Along with this situation, nothing but the Sony gaming consoles comes in various ranges from high-priced to inexpensive would seem to end up being satisfactory for everyone.

Definitely a class apart from various other Game Console, it is worth noting that Game Console Sony guarantee to offer only the highest degree of entertainment with regard to your family and friends whether you are out of doors or indoor. Thus, not really being involving spirit whether the first is really interested in seeking cyber- sports games or checking out their skills inside the best of the group activity and adventure Games. Simply speaking, it may be directed one is at freedom to just go ahead and select Best Sony game consoles and more combine it with your PC or TV well in accordance with their very own skills and taking part in preferences.

The Best Panasonic wireless gaming console occurs with high-definition and digital entertainment as adaptable and powerful home entertainment device with multiple multi-media features offering unlimited fun. The game console through Sony comes with good-looking capabilities like wireless operator, and the Wii Remote.

Combine your Sony Wii controller with Best Sony game consoles Essentially adding accessories such as the Sony Wii controller with its Game console may be the best way to turn your game console in to an effective entertainment unit. All the more what is even more exciting the fact that a The new sony controller is really good enough to even turn a whole best Sony portable game console straight into an eventual entertainment centre. So, in this take care, it would only make sense, if one would proceed to discuss the most typically available accessories in more detail.

Sony 3DS Game Console This is 3D Depth slider which can adjust the particular intensity .All the Sony 3DS game can be easily played in 2D. It appears with Touch Screen and typical button both because it is called combination of effect and type like Cell phone and Tablet. A person can exchange data regarding multiple games immediately; making effective connections with genuine world people you fulfill in your daily life or friends and counterparts.

For more information about Game Consoles please visit the website.

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Source: http://www.mustreads.info/best-sony-game-consoles-for-entertainment/

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5 ways to save on taxes before the year ends

Holiday plans have been made, and you now have two weeks left in 2012 to score some big savings and fatten your wallet now and in 2013. Sharon Epperson offers tips on how to increase your savings by claiming credit card rewards, selling winning investments, and more.

By Sharon Epperson, CNBC.com

Your holiday shopping may be nearly done, but did you put yourself on the list? It's not too late. Take advantage of these smart tax moves before Dec. 31, and your biggest gift of the season could be the potential savings for months and years to come.

While the 'fiscal cliff' debate continues, financial planners and tax experts agree many Americans should plan now for higher tax rates next year and beyond. But by adopting these few tax strategies now, you'll be ready for many of the changes ahead that could impact your income and investments. Here are tax strategies worth considering now:

Convert a traditional IRA to a Roth account
Converting all or part of a traditional Individual Retirement Account (IRA) may be one of the best ways to lock in savings. Withdrawals from a traditional IRA are taxed at your federal income-tax rate. If your rate goes up, converting even a portion of your regular IRA to a Roth IRA now will likely lessen the overall tax bite in the long run.

What's also great about a Roth is that all future earnings and qualified withdrawals are tax free as long as you're at least age 59 1/2, and you've had a Roth IRA for at least five years. A Roth is a great way to lock in savings now, since you'll owe no more income tax in the future when you make qualified withdrawals in retirement.

The only hitch is you need to make sure you have the money to cover the taxes that you'll have to pay on any pre-tax amount that you convert to your Roth IRA. Also, if for some reason tax rates go down next year, you can change your mind. You have until Oct. 15, 2013, to undo the conversion and turn your Roth back into a regular IRA.

Sell winning investments
You should never make an investment decision based solely on tax implications. But if Congress does not extend current tax rates, long-term capital gains and dividend taxes could be going up significantly next year. Capital gains rates could rise from 15 percent this year for most tax payers to 20 percent in 2013. The top rate for dividends may jump to 39.6 percent next year. So if you're already planning to sell an investment to raise cash next year, you may want to sell a portion of your position now to take advantage of lower tax rates. So lock in your profits!

Accelerate income
If you want to make sure you take advantage of federal income tax rates you have now ? likely lower than they will be next year ? it also makes sense to accelerate your income before Dec. 31. If you earn a steady wage at your job, doing this can be difficult. But if you're self-employed, you should bill your customers now to make sure they make payments in December, rather than January.

Pay 2013 tuition now to get a big tax credit
College costs continue to rise, but there are a few ways to save ? at least for a few more weeks. The American Opportunity Credit is a great tax break for college students and their parents, providing credit for a maximum of $2,500 of qualified tuition and related expenses. But this is one of those tax measures that could expire at the end of the year as Congress looks for ways to cut the federal deficit. Claim your eligible education expenses while you can. Upgrade your laptop now to get to you the limit. If you still haven't reached the $2,500 limit, pay part of your 2013 tuition bill before Dec. 31 to qualify for the highest tax credit that's available.

Pay medical expenses before the end of the year
Anyone who normally itemizes medical expenses on their tax return should accelerate those expenses into 2012 if they can. Right now, medical expenses are deductible only if they exceed 7 percent of adjusted gross income (AGI). Next year the threshold jumps to 10 percent of your income (this only applies to people under age 65). Pay your January medical insurance premium in December to move this deduction to 2012. Any routine eye exams or dental visits should be moved up to December too. Paying with a credit card would give you the deduction this year and delay the actual payment until 2013.

Talk to a tax adviser and/or financial planner to see if these tax-saving strategies are right for you.

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Source: http://lifeinc.today.com/_news/2012/12/17/15973550-5-smart-ways-to-save-on-taxes-before-the-year-ends?lite

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jukkanmukkir: Accredited Institutions for Online Homeschooling High

December 16th, 2012

Our house is our very first training ground. With that said, mother and father are the primary lecturers and instructors of their children. You may not remember, but your mother and father are those who taught you the best way to stand up, walk and even dance. You?re in a position to utter your first phrases like ma-ma and da-da because you imitated the sounds your mother and father make whenever they talk. That is why each time a child accomplishes one thing like spelling his name or learning the best way to bike, mother and father are just so proud.

Traditional College Programs Vs Christian Homeschooling Curriculum At present, teaching programs range from tradition classroom curriculum to homeschooling programs. In conventional education setting, students share the identical classroom, teacher and topic matter. Additionally there are school?s rules, the place students are subjected to follow. Homeschooling education, alternatively is extra flexible than conventional setting. It truly permits a child to study at his or her personal pace. As mentioned earlier, mother and father do have a significant role in a child?s education. Actually, since youngsters cannot nonetheless make determination for themselves, their mother and father are ones who determine what?s best for them. Selecting the best teaching programs for their youngsters is without doubt one of the high priorities of parents. Christian Homeschooling Christians imagine that homeschooling is a biblical type of education. Within the bible, God even addresses mother and father as the primary educators of their very own children. Beneath are verses that present God?s instructions to oldsters with reference to homeschooling education. Deuteronomy 6:6-7 ?And these phrases which I command you at this time shall be in your heart. You shall educate them diligently to your youngsters, and shall talk of them when you sit in your own home, when you walk by the best way, when you lie down, and when you rise up.? Proverbs 22:6 ? ?Train up a child in the best way he ought to go, and when he?s outdated he won?t depart from it.? These two verses clearly state the significance of oldsters? guidance and assist as to their youngsters?s education. Homeschooling Excessive College Youngster Below a homeschooling education system, youngsters are taught at home both by their mother and father or home instructors.These days, several institutions are providing homeschooling high school education to youngsters who want to proceed and develop their learning skills but are unable to get to common school. At present, everyone can have access to a standardized and sensible education. The Keystone Excessive College, iQ Academy, Ok 12, Calvert College are among the education institutions that supply on-line homeschooling high school education.

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Secured V/S Unsecured Loans - Know the Differences

Financial emergency can be faced by any person at any period of time. If there is no hope manage cash requirement from your savings or with the help of friends or families then finally people move towards professional lenders. There are several financial institutes who offer loans for short term or long term cash requirements. While borrowing cash through lending agencies, one should be careful about the available options. There are several options available for individuals to borrow cash this option as per their financial situation and requirements. Basically there are two broad loan categories ? Secured and unsecured loans. Both options have several differences which also help to determine best loan approach available for you.

Secured debts:

Secured loan options are suitable only for those who have assets to use as security against the borrowed amount. These loans are related to asset value considered as collateral upon using as security in loans. Using assets as security means lender have right to repose the property if borrower fails to pay back the amount in time. If lender take control over property because you fail to keep your promise of loan repayment then the asset will be sold. In case selling price of asset is not enough to cover the repayment then lender may pursue for remaining payments. Home mortgage loans or logbook loans are examples of secured loans.

Mortgage loans are secured against the home equity value and logbook loans are secured against the car value. Lender can repose the property in case of non repayment. However, there are some legal terms which must be followed before repossessing the property.

Unsecured debts:

Unsecured debts do not include any type of security to approve loan request of applicant. These loans are free from any collateral security. Thus, if you fail to make your payments then also lenders do not have any right to take control over your assets. However, you may take other actions to get back their amount. They may hire debt collector for collections. They may sue if formal option fails and ask court to garnish your wages, take control over asset etc. It may also affect your credit rating. They will report it to credit bureau which further affects your borrowing ability. Credit card debts are common form of unsecured debts. Other unsecured loans are payday loans, student loans, court-ordered child support and medical bills.


Which one to select:

Secured loans may risk your property but these loans are available at better rate of interest. If you are sure that you will keep your payments according to the terms and you have secured income sources then it can be a better option to pay off your bills. It can be difficult to manage your payments in long term and in that case, you may lose your ownership over the property.

Unsecured debts can be better choice if you are making extra payments to cover other debts. These loans are basically available with higher rate of interest. It is necessary to keep minimum payments into the account to avoid legal actions.

Source: http://www.shvoong.com/business-management/2343223-secured-unsecured-loans-know-differences/

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The Top Bankruptcy Tips You Cannot File Without | Personal Budget ...

TIP! It is important to know that you may bet better off filing for bankruptcy than continuing to be in debt. Bankruptcy can be seen on your credit history for 10 years, but you can begin repairing the damage immediately.

Coping with the realization that you have to file bankruptcy is not any easy thing to do. If you are in financial trouble, it?s easy to feel trapped and a little scared about your future. Even without perfect credit, you can still get the loans you need.

TIP! When you?re thinking of filing personal bankruptcy, you have to be sure you know what steps led you to that decision. The loss of a job or surprise medical emergency bills may have been out of your control.

Filing bankruptcy under Chapter 13 means you can still get a loan for a car or a mortgage. However, there are steps which must be taken to ensure you are within the law of bankruptcy. You will have to see your trustee and the approval for this new loan. You will need to make a budget and prove that you will be able to afford your new loan payments. Also, you need to be ready to say why you?re going to need the item.

TIP! If you are faced with the choice of filing for bankruptcy or using your emergency fund or retirement accounts to pay creditors, opt to file for bankruptcy. You should always keep money saved for worse times.

It is important to stay involved as much as possible during the bankruptcy process, and not leave it all in your attorneys hands. It is important to keep informed, so don?t be afraid to call and ask any questions you may have. Law offices that are busy have sometimes made mistakes. Contrary to what many of us believe, attorneys are human too!

TIP! While you should trust your lawyer, you should not leave all the details to your lawyer?s discretion. While your lawyer does have the bankruptcy information, it is still up to you to find out everything you can that will be helpful.

Prior to filing for bankruptcy, research which assets will remain exempt from creditors. There are several assets which are exempt from bankruptcy; therefore, consult the Bankruptcy code. It?s crucial to read that list before filing to see which of your prized possessions can be seized. It is important to know what types of possessions may be taken away before they actually are seized.

TIP! Keep at it! When you file for personal bankruptcy, you may even be able to retrieve personal property that has been repossessed. For example you may be able to get your car, electronics and even jewelry returned to you.

Before you file for personal bankruptcy, weigh all of your options. Talk with a bankruptcy lawyer and ask about alternatives, such as debt consolidation or negotiating with creditors. Various loan plans out there can be a lifesaver if you?re facing a foreclosure. There are many ways in which a lender can make adjustments that will be helpful to you. Among them are extending the loan, forgiving late charges and reducing the interest rate. Because of the fact that creditors would like to see their money they are likely to offer repayment plans versus not getting paid at all if you file for bankruptcy.

TIP! In the event your bankruptcy case gets dismissed due to your own error, it is possible to re-file. However, if this is the case, the automatic stay will only cover you for 30 days the second time you file.

Some lawyers offer free phone services that you can refer your creditors to in regard to any delinquent accounts. All you have to do is give the number for the attorney?s office, which allows them to confirm the validity of your bankruptcy. If everything checks out, the call center should then update their records to show that you no longer owe any money to that company.

TIP! Bankruptcy can be overwhelming to most people, and can be quite stressful. To relieve yourself of some stress and keep thing organized, hire a good lawyer.

When you fill out the papers for filing bankruptcy, be sure to list every debt that you want to have eliminated. If you do not document certain debts, they aren?t going to be on the discharge. It?s your responsibility to ensure everything is written down to avoid getting charged for debts that can be discharged.

TIP! A full year prior to filing a bankruptcy claim, you need to ensure that you don?t attempt to transfer your assets to another person or entity. This is a blatant attempt to hide assets and may result in your filing from being dismissed.

Choose a highly-rated bankruptcy lawyer that practices close to your home. Locating an attorney here is only half the battle though. You also need to make sure that they?ll meet with you free of charge. If so, start putting together all your financial documents and head on over. They will surely fill you in about how to go about the entire process.

TIP! You don?t necessarily have to forfeit all your assets when you file for bankruptcy. You get to keep your personal property.

No matter if you?ve filed for bankruptcy, this will not forever limit your life. Establishing a record of saving money and paying your debts on time will increase your credit worthiness. So begin saving your money and you will realize how much difference it makes when shopping for a home loan or car.

If you research, you will also find many more articles written about Best Growth Stock that can help you. Review this article a time or two, and then go on to seek out even more in depth information. Do not expect to become an expert right away, but keep in mind that educating yourself and working hard will eventually pay off.

Source: http://personalbudgetreport.com/2012/12/17/the-top-bankruptcy-tips-you-cannot-file-without/

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