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Friday, August 26, 2011
Building the Business with the Help of Customer Service Surveys ...
[unable to retrieve full-text content]How exactly can customer service surveys help you improve your business? All businesses are focused on ensuring the satisfaction of their customers. This is.
Grandparents Playing A Bigger Role In Child-Rearing ? CBS Dallas ...
WASHINGTON (AP) ? America is swiftly becoming a granny state.
Less frail and more involved, today?s grandparents are shunning retirement homes and stepping in more than ever to raise grandchildren while young adults struggle in the poor economy.
The newer grandparents are mainly baby boomers who are still working, with greater disposable income. Now making up 1 in 4 adults, grandparents are growing at twice the rate of the overall population and sticking close to family ? if their grandkids aren?t already living with them.
Grandparents in recent decades have often filled in for absent parents who were ill or battled addiction, or were sent to prison. The latest trend of grandparent involvement, reflected in census figures released Thursday, is now being driven also by the economy and the graying U.S. population, including the 78 million boomers born between 1946 and 1964 who began turning 65 this year.
?We help out in terms of running errands, babysitting, taking the grandkids to doctors? appointments, and for back-to-school shopping,? said Doug Flockhart of Exeter, N.H., listing some of the activities that he and his wife, Eileen, do for their five kids and seven grandchildren. But that?s just the start.
They also pitch in with health care payments for family members due to insurance gaps, and their pace of activity has picked up substantially since their daughter, who lives three blocks away, gave birth to her first child this month. Flockhart, a retired architect, likes the family time even if he and his wife worry about their grandkids? futures. Their oldest grandchild is 16.
?It?s not so much the day in and day out, it?s the big picture as to how these young kids will grow up and pay for a college education and buy a house,? he said. ?The middle class is so much less well-off than it used to be. We?ve put aside some savings for them, but with seven grandchildren it can only go so far.?
Flockhart?s situation is increasingly common, demographers say.
?Grandparents have become the family safety net, and I don?t see that changing any time soon,? said Amy Goyer, a family expert at AARP. ?While they will continue to enjoy their traditional roles, including spending on gifts for grandchildren, I see them increasingly paying for the extras that parents are struggling to keep up with ? sports, camps, tutoring or other educational needs, such as music lessons.?
The latest numbers are based partly on separate analysis by Goyer and Peter Francese, founder of American Demographics magazine who is now a population analyst for the MetLife Mature Market Institute. Their data were supplemented with the latest 2010 census figures as well as interviews with Census Bureau and other experts.
Currently about 5.8 million children, or nearly 8 percent of all children, are living with grandparents identified as the head of household, according to 50-state census data released Thursday. That?s up from 4.5 million, or 6.3 percent, who lived in such households in 2000.
Much of the increase in grandparent caregivers occurred later in the decade after the recession eliminated jobs for many younger people, surveys indicate. The 8 percent share of children now living with grandparents is the largest in at least 40 years ? and it is believed to be the largest share ever, the population experts say.
In all, there are 62.8 million grandparents in the U.S., the most ever. They are projected to make up roughly 1 in 3 adults by 2020.
Nearly half the states had increases of 40 percent or more over the last decade in the number of grandchildren living with grandparents. They were led by states such as Nevada, Utah, Idaho, Wyoming, Arizona and Kentucky, which had influxes of young families or suffered higher rates of poverty.
On the other end of the scale, New Jersey, New York, Michigan and Louisiana saw the smallest increases, less than 10 percent. Each of those states saw slower population growth overall since 2000, particularly among young people.
The District of Columbia posted a decline of more than 20 percent in grandchildren living with grandparents, a sign of growing gentrification in the nation?s capital in which smaller-sized white families are replacing black families with grandparent caregivers, who are moving to suburban areas.
Francese says the stereotype of grandparents who are frail, receding and dependent is changing. He noted that unemployment among workers ages 25 to 34 last year was double that of Americans aged 55 to 64. U.S. households headed by baby boomers also commanded almost half of the nation?s total household income, and are more likely to be college graduates than grandparents in previous generations.
These grandparents reject living in senior communities in favor of ?aging in place? in their own homes, near family. In 2009, households ages 55 or older spent billions of dollars on infant food, clothes, toys, games, tuition and supplies for grandchildren, according to the Bureau of Labor Statistics.
?Grandparents are supposed to be old, gray-haired people tottering around, but the vast majority are actually in the work force,? said Francese, who released a paper on the topic last month. ?There is not much doubt that the recent recession has brought grandparents and grandchildren together.?
The government figures come as a congressional super-committee considers possible reductions to Medicare and Social Security to achieve $1.5 trillion in federal spending cuts under the terms of the debt ceiling agreement. Up until now, lawmakers? proposals to cut the entitlement programs have met resistance from older Americans, including those 45 and older, who now make up a majority of the voting-age population.
The committee must issue its recommendations by late November, with action by Congress before year?s end, or various parts of government will face automatic spending cuts.
Estella Hyde, 65, who lives near Erie, Pa., said additional government aid ? not spending cuts ? would go a long way for grandparents. She and her husband have raised their granddaughter, now 18, off and on since she was a year old, when Hyde?s daughter-in-law at the time said she didn?t want the burden.
Eventually the Hydes were able to adopt their granddaughter legally, which allowed her to have coverage under their health plan, but only after the couple fought through red tape and paid $10,000 in adoption fees. After a difficult childhood, her granddaughter will attend college this fall.
?It never happens in a happy situation where a son or daughter comes and says, `I need you to raise a child for me,?? said Hyde, a nursing professor who is now retired. ?We were very lucky, we were able to financially take care of her and support her. But many grandparent caregivers need other sources of assistance.?
In all, the states with the highest shares of children living in households headed by grandparents are in the South and West. They include Hawaii, Mississippi, Louisiana, New Mexico, South Carolina and Texas, each with at least 1 in 10 children living in grandparent households.
(? Copyright 2011 The Associated Press. All Rights Reserved. This material may not be published, broadcast, rewritten or redistributed.)
Source: http://dfw.cbslocal.com/2011/08/25/grandparents-playing-a-bigger-role-in-child-rearing/
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Thursday, August 25, 2011
Tinseltown Scoop
Jonas Brothers New Album in the Works?–Tonic Gossip Tony Bennett to Pay Tribute to Amy Winehouse–Bitten & Bound Justin Bieber Wants to Raise Children in [...]
Tinseltown Scoop Stupid Celebrities Gossip Stupid Celebrities Gossip News
Source: http://feedproxy.google.com/~r/stupidcelebrities/~3/TGSx-N2Gdcs/
Tuesday, August 23, 2011
New-home sales fall to five-month low
New U.S. single-family home sales fell more than expected in July to hit a five month low, new data show, as 2011 shapes up to be worst year on record for the market.
The Commerce Department said on Tuesday sales slipped 0.7 percent to a seasonally adjusted 298,000-unit annual rate, the lowest since February. June's sales pace was revised down to 300,000 units from the previously reported 312,000 units.
The supply of homes available on the market dropped to a record low.
Economists polled by Reuters had forecast sales at a 310,000-unit rate. In the 12 months through July, new home sales rose 6.8 percent.
The Associated Press and Reuters contributed to this report.
Source: http://www.msnbc.msn.com/id/44239703/ns/business-real_estate/
Credi Corp Securities: Retirement Investing ? Expert Tips
Consider Many Retirement Investment Options and Diversify Portfolio
Here at Credi Corp Securities we are committed to offering our clients access to the latest and broadest range of financial services and products on the market. We know that choosing the right strategy, the right investment and the right product is no easy task in this day and age! Whether its advice, investments or financial planning we are here to answer all your questions and facilitate all your financial needs.
There are so many options for retirement investment planning that even the most ambitious person can feel daunted. But learning about retirement investment strategies as a young or middle-aged adult can save all kinds of financial worries later. The soundest approach to investing for retirement is to save slowly but persistently, and invest widely with as much information as possible.
The Best Approach to Retirement Investing
Every expert has a different recommendation for the best retirement investment decisions, but some advice is universal:
1. Figure out how much retirement income will be needed. Retirement investment calculators are available online that can predict how much a given investment will be worth or how much retirement income will be needed to maintain quality of life by retirement.
2. Start now by opening an investment retirement savings account. Even a small amount, deposited every week or every paycheck, eventually adds up to substantial savings that can be used to fund a comfortable retirement.
3. Knowledge is power. Take every opportunity to learn about retirement investments, as well as the best investment planning in general, and invest money from the aforementioned retirement account wisely as opportunities appear.
4. Create a diverse portfolio. Some stocks will go up while others go down. The real estate market might be booming while sales in other areas fall. The best retirement investment planning takes this into account and invests in several different options at once to ensure a solid investment portfolio that will do well, no matter what.
Retirement Investment Options
There are many retirement investment strategies available. While the best investment plan is always to diversify, with several investments, the following options are a key part of most investment strategies aimed at yielding retirement income:
? Annuities ? An annuity works like the opposite of a mortgage. Money is invested in advance, and in retirement years the annuity pays out principle and interest on the investment.
? GICs ? GICs guarantee a fixed rate of interest if money is left in an investment for a pre-arranged period. Once the term of the GIC is up, retirement funds can be reinvested again until needed.
? Stocks, Bonds, and Mutual Funds ? While there are differences, each of these investment vehicles is a way to speculate by investing money where it may grow ? or may, possibly, shrink. The riskier the investment, the greater the potential earning. It?s wise to invest a portion of retirement savings in riskier investments like stocks and mutual funds, if thorough research suggests that they have a good chance of succeeding in delivering a healthy return on investment.
? Home Equity ? Real estate is always a smart investment, and paying off the family home before retirement is one of the smartest investments. House values will only rise over time, and home equity can also be used in a reverse mortgage or withdrawn in a lump sum home equity loan if money is needed to supplement retirement income.
The best move, for anyone thinking about investing for retirement, is to learn as much as possible about retirement investment strategies and consider all the options in selecting investments. Speaking with a qualified financial advisor is a first step on the way to a solid investment strategy, and the first step to a profitable retirement portfolio.
Want to know more?
Credi Corp Securities is an independent investment advisory firm which focuses on global equities and options markets. Our analytical tools, screening techniques, rigorous research methods and committed staff provide solid information to help our clients make the best possible investment decisions. All views, comments, statements and opinions are of the authors. For more information go to www.credicorpsecurities.com
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Here at Credi Corp Securities we are committed to offering our clients access to the latest and broadest range of financial services and products on the market. We know that choosing the right strategy, the right investment and the right product is no easy task in this day and age! Whether its advice, investments or financial planning we are here to answer all your questions and facilitate all your financial needs.
Source: http://whatisinvestment.com.au/credi-corp-securities-retirement-investing-expert-tips/
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Monday, August 22, 2011
Six Pack Shortcuts evaluated | Health and Fitness
[unable to retrieve full-text content]This shows that it is fairly popular, with lots of people already owning the product. This is most likely due to the well-known brand, which is fairly respected in the industry. This also shows that most people have a ...
Source: http://myhealthandfitnesstoday.org/six-pack-shortcuts-evaluated
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Lester helps Red Sox beat Royals
updated 6:43 p.m. ET Aug. 21, 2011
KANSAS CITY, Mo. - Jon Lester loves to face the Kansas City Royals.
Lester curbed the Royals on three hits for six-plus innings and Jason Varitek tripled for the first time in more than four years as the Boston Red Sox won 6-1 on Sunday.
"My stuff at times was good and at other times I was trying to do too much, overthrowing the ball a little bit," Lester said.
Lester (13-7) has allowed two runs and six hits in 13 innings in his past two starts to beat Kansas City and Tampa Bay. He is 5-1 with a 1.30 ERA in seven career starts against the Royals, including a no-hitter on May 19, 2008.
Carl Crawford and Darnell McDonald hit solo home runs for the Red Sox. McDonald replaced Jacoby Ellsbury, who missed his second straight game with a contusion in his back after being hit by a pitch Friday.
The Red Sox took 3 of 4 from the Royals although other starters David Ortiz, Kevin Youkilis and J.D. Drew were also out with injuries.
"It's nice to know when those guys are out you have other guys to fill in and do a good job," Lester said. "That's big for us, a confidence-booster definitely. Guys that filled in those spots did a good job."
Varitek's two-out triple rolled to the right-center fence, allowing Jed Lowrie to score in the fifth to break a scoreless deadlock. Lowrie led off the inning with a single and moved to second on a Crawford ground out. Varitek's triple was his first since June 24, 2007 at San Diego off Jake Peavy.
How did it feel?
"Not so good," said Varitek, who was icing both knees at his clubhouse stall. "I'm just spacing them out. With two outs, it didn't look like it's something I shouldn't have any problem getting to (third)."
Red Sox manager Terry Francona joked "speed never takes a day off."
"It's not like Jacoby and Carl, trust me," the 39-year-old Varitek said.
"It's not often you see Tek get a triple," Lester said.
McDonald, who had three hits, hit his fifth home run of the season in the sixth on an 0-2 pitch from Royals rookie left-hander Danny Duffy (3-7). Aaron Crow gave up a home run to Crawford, his eighth, in the seventh inning.
Ryan Lavarnway, Adrian Gonzalez and Jed Lowrie had RBIs in the eighth as the Red Sox scored three runs off Louis Coleman, one of four rookie pitchers the Royals used.
Duffy gave up two runs on five hits in six innings, while striking out three and walking two. He has lost four August starts since a July 31 victory at Cleveland.
Johnny Giavotella led off the Royals seventh with a triple and scored on Mike Moustakas' single for the only run off Lester. He was replaced by Daniel Bard after 113 pitches with two runners on base. Bard retired the next three hitters.
"It's nothing unexpected from him," Lester said of Bard's performance. "He's done it since he's been up here. It's big to have a guy like that in our bullpen. That's what he's done all year. It makes your job a little easier as a starter, knowing you have those guys down there."
The Royals loaded the bases on two walks and a Lowrie error in the second, but Lester retired Alcides Escobar on a comeback to end the inning.
"Jed makes that play basically 10 out of 10 times," Lester said. "You have to pick your teammates up sometimes like they pick you up. I was able to minimize the damage."
Lester did not allow a hit until Perez's single with two out in the fourth.
"Jon Lester is bona fide," Royals manager Ned Yost said. "He's a premier lefty in this league and he showed why."
Notes: It is questionable whether Ellsbury will return Monday when the Red Sox open a four-game series at Texas. "It doesn't make a lot of sense to get him back out there too early," manager Terry Francona said. "He's still pretty sore." The Royals are off Monday before playing 17 of their next 20 games on the road. RHP Bobby Jenks, who has been on the disabled list twice this season with back tightness, is scheduled to throw 20 to 30 pitches Monday in a simulated game at the Red Sox complex in Fort Myers, Fla. ... DH David Ortiz, who has missed the past seven games with bursitis in his right heel, is hitting off the tee and soft toss in the cages, but is still wearing a boot on his foot. ... Red Sox LHP Erik Bedard, who starts Monday, is winless in his past eight starts against the Rangers, although he has allowed three earned runs or less in each of his previous four starts. ... Royals LHP Tim Collins got the final out of the eighth on his 22nd birthday.
Copyright 2011 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.
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Source: http://nbcsports.msnbc.com/id/44216322/ns/sports-baseball/
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