Where to Acquire Car Financing | Backlinkarticles

Despite businesses offering car loans for people with bad credit, some dont understand that the need for car is a lot more than lavishness. Getting a car enables you to get to the office early and drive your kids to school. Problem arises, nonetheless, when you dont have funds to purchase a car and worse, if you might have bad credit history. Nice thing there are now companies proposing car loans for people with bad credit.

Having a negative credit rating will give you a hard time obtaining car financing. You might have to pay higher interest rates even when you qualify for one. Businesses only ensure they prevent default payments. You can save yourself from coming across other issues by getting all of the requirements. This can likewise quicken the procedure.

Good reasons for Applying Car Loans

You may have a bad credit, but you still hold the opportunity to obtain that car you dream about and be satisfied. What you need to do is find a car finance agency which could provide you a credit auto loan. The only thing is that you might be requested to pay higher interest rates than consumers with excellent credit rating.

Here are a few important things you should consider before applying for car loans:

Choose the best funding firms. This is the initial step you may do in your area. You can also search for agencies on the internet. Check out the internet websites and feel free to publish your inquiries and all you have to know about the solutions they offer. Explore the choices to locate the best package that suits your demand. Take the time to evaluate the interest rates of all the agencies. If you do this, you may determine which firm provides the finest loans for people with bad credit.

Look into the papers thoroughly. You could have a bad credit score but it really should never suggest examining the documents is unnecessary. As a matter of fact, you have to be more watchful. Go through every aspect that is printed in the paper before giving away your signature. Ask questions about the solutions the firm delivers. Always remember to ask about the cost agreement. That average policy for car loans is monthly, and they must at least employ this in your situation.

Stick to your funds. Dont apply for things you cannot afford like auto financing. If you know it may be not possible to pay your debts on time, dont apply for car financing at all. This is the reason a lot of people get bad credit scores. They enjoy beyond their means. Be accountable and do not ever neglect about your financial commitments. Take your regular earnings and your entire expenditures into account. Adjust your life-style if you need to. Or else, your car might be reclaimed. Keep in mind that the car is not yours completely until you have paid in full.

There are other things you should take into account when applying for car loans for people with bad credit. You can research online or consult to a professional for more advice. Save that funds you have acquired in years for a lot more essential things in life. Always be watchful in making a loan.

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Source: http://www.backlinkarticles.com/finance/where-to-acquire-car-financing.html

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Too Much Bottled Water Might Harm Kids' Teeth

WEDNESDAY, AUG. 1 (HealthDay News) -- On grocery store shelves and kitchen counters alike, bottled water has become a staple of the American dietary landscape.

But, some experts say it may contribute to diminished dental health.

While most bottled water manufacturers declare that their products are 100 percent "pure," "clean" or "natural," few brands contain one ingredient that most Americans take for granted: fluoride.

A salt formed from the combination of fluorine and soil and rock minerals, fluoride is voluntarily added by the vast majority of states and/or local municipalities (rather than the U.S. Environmental Protection Agency), to public water supplies across the United States.

The goal: to help reduce the risk for dental cavities.

When it comes to bottled water, the decision to add or not to add fluoride is left entirely up to individual manufacturers. Most do not.

And with Americans now consuming about 8.4 billion gallons of bottled water each year, according to the Beverage Marketing Corp., some experts say that turning away from tap water means more cavities and worse dental hygiene.

Concern are most acute when it comes to children.

Dr. Burton Edelstein, president of the Children's Dental Health Project in Washington, D.C., and a professor of dentistry and of health policy and management at Columbia University in New York City, describes the increasing prevalence of tooth decay among young children as "alarming."

"[Today] one in 10 2-year olds, one in five 3-year olds, one in three 4-year olds and approaching half of 5-year-olds have visually evident tooth decay experience," he said, adding that "the consequences in terms of pain, infection, dysfunction and unmet treatment need are significant."

But where does bottled water fit in, if at all?

In 2009, an Eastern Virginia Medical School study published in the journal Pediatric Dentistry found that nearly 70 percent of parents surveyed said that they gave their children bottled water to drink, either exclusively or alongside tap water.

Parents cited bottle waters' convenience; a preference for its taste and smell; and a fear of tap water contamination.

Nearly two-thirds of parents said that they had no idea whether or not the bottled water they gave their children contained any amount of fluoride.

Dr. Jonathan Shenkin, an American Dental Association spokesman and Augusta, Maine-based pediatric dentist, said that consumers would have a hard time finding out if a product contained fluoride, and even if it did, whether the amount was significant.

"Available studies show that most bottled waters have less than 0.3 ppm [parts per million] of fluoride, well below the accepted level for optimally fluoridated drinking water," he said. "There are no [U.S.] Food and Drug Administration requirements that the amount of fluoride be labeled on bottled water unless it has been added during processing. This leaves consumers in the dark about the fluoride content of the bottled water they consume."

But the connection between bottled water and dental health is just a suspicion, with no scientific proof.

Shenkin acknowledged that "there has been no research to show using bottled water causes tooth decay." At the same time, he cautioned that fluoridated tap water is now believed by experts to reduce the risk of tooth decay by about 25 percent, and that no research has effectively discounted the possible connection between non-fluoridated bottled water consumption and a rise in tooth decay risk.

Indeed, Shenkin offered a "reminder that the U.S. Centers for Disease Control [and Prevention] listed water fluoridation as one of the 10 great public health achievements of the 20th century."

Edelstein seconded the notion that fluoride is an important tool in the fight against tooth decay.

"Fluoride -- no matter how it gets to the tooth surfaces -- toothpaste, water, rinses, varnishes, gels, is effective in a multitude of ways," he said. "It strengthens the tooth structure while also inhibiting the bacteria's capacity to produce acids from sugars. It is most effective when delivered multiple times throughout the day, by using fluoridated toothpastes twice daily and by drinking fluoridated water."

Edelstein noted that "the advantage of water is that it is consumed multiple times a day," adding that tap water is both convenient and free.

"[But] when bottled water without fluoride is substituted for fluoridated tap water, the advantage of regular, small amounts of healing fluoride is lost and children and adults will be more prone to cavity activity on the surfaces of their teeth," he warned.

That said, Edelstein -- like Shenkin -- also noted that no studies have as yet directly linked a higher risk for cavities to the consumption of bottled water in place of tap water.

"Some have attributed this increase and prevalence to bottled water substitution," he said. "But that remains conjecture as other factors -- increased sugar in diets, changes in demography, dental intervention -- may account for the change."

In a news release issued in March, the International Bottled Water Association (IBWA) denied that bottled-water consumption is associated with an increased risk for tooth decay.

"There is absolutely no correlation between consumption of bottled water and an increase in cavities," the IBWA stated. "In fact, bottled water does not contain ingredients that cause cavities, such as sugar." The organization also noted that about 20 of its member manufacturers actually produce "clearly labeled" fluoridated bottled water.

"Consumers," the IBWA added, "should therefore look at how much fluoride they are receiving as part of an overall diet and should contact their health-care provider or dental-care provider for their recommendation."

More information

For more on fluoride and tap water, visit the U.S. Environmental Protection Agency.

Source: http://news.yahoo.com/too-much-bottled-water-might-harm-kids-teeth-130408432.html

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Here's All The Personal Data Stored On ... - Business Insider

We recently made the case that Facebook's new ad exchange, FBX, was poorly understood by the world at large and by the ad business specifically, but that it could be more meaningful to Facebook's future revenue growth than its mobile ad business.

The exchange enables advertisers to target people with ads inside Facebook based on cookies ? bits of tracking code that are dropped onto your device when you visit web sites ? that identify users to advertisers.

Facebook, obviously, has a vast trove of data on its users. If the company were ever to start using that data to allow advertisers to target people with ads based on their interests, likes, friends or even Wall posts, then advertisers will likely leap at such an opportunity.

So we decided to ask a Facebook spokesperson what, exactly, will be the information that Facebook will serve from users' personal Facebook pages on these cookies.

The answer is surprising. Here it is, (it's a bit technical):

We do have a cookie, but this cookie is only used to sync with third party cookies to let them know that a specific anonymized ID has visited Facebook and they can now bid on the impression. An ad can then be served to someone on Facebook. These ads do not use any of a person's like or interests and we do not share this information with the third parties bidding on the ads.

Hold on a moment. The cookies don't leverage any of the most obviously useful data on Facebook? The spokesperson confirmed:

Our browser cookie is a syncing cookie ? which is pretty standard across? the industry. ??The cookie simply syncs with the third-party's cookie so that we know it's ?the same person.

Let's get this straight: Other than confirming that a user is an anonymous Facebook member, the FBX cookies contain NO other data from Facebook?

All targeting is based on information the [ad buyer] has right now.

In plain English, the amount of personal data on Facebook's tracking cookie for advertisers is close to zero. It says you're an anonymous Facebook user, and that's it. The advertiser has to apply their own data to the cookie to get any decent level of targeting out of it.

Next, we asked the obvious question: Are there any plans to ever switch on that data? That seems like the ?obvious value of Facebook to advertisers. The spokesperson replied:

No plans at this time.

Related:

Source: http://www.businessinsider.com/heres-the-personal-data-stored-on-facebooks-tracking-cookie-for-advertisers-2012-8

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Ahead of the Bell: Jefferies downgrades BP PLC

NEW YORK (AP) ? A Jefferies analyst lowered future earnings estimates for BP PLC and downgraded its stock Wednesday, after the British oil giant reported a $1.4 billion loss for the second quarter.

BP, one of the world's top oil and natural gas producers, blamed the loss on a decline in commodity prices and production. It also wrote down the value of some of its refineries and U.S. shale gas assets.

Jefferies analyst Iain Reid also noted that BP's operating costs appear to be higher than the rest of the industry. That, combined with an expectation for production to drop even further and the potential for additional liabilities from its 2010 Gulf of Mexico oil spill, should trim profits more than previously expected, Reid said.

The analyst downgraded the stock to "Hold" from "Buy" and cut BP's profit estimates to 90 cents, $1 and $1.01 per share in 2012, 2013 and 2014, respectively. That's lower than previous estimates by 10, 9 and 11 cents, respectively.

The analyst downgraded the stock to "Hold" from "Buy."

BP's U.S.-traded shares fell by 24 cents to $39.66 in premarket trading. They fell 4.6 percent Tuesday after the company released its second-quarter financial results.

The second quarter was tough the rest of the oil industry as well. A decline in oil and natural gas prices contributed to lower profits at Chevron Corp., Royal Dutch Shell, Occidental Petroleum Corp. and ConocoPhillips. Exxon Mobil profits rose, but that was due to a big one-time gain from the sale of Japanese assets.

Source: http://news.yahoo.com/ahead-bell-jefferies-downgrades-bp-plc-122712310--finance.html

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How A Limo Service Can Spark Romance

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Source: http://www.articlesnatch.com/Article/How-A-Limo-Service-Can-Spark-Romance/4074436

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Diogenes' Middle Finger: The woman who made your WiFi work.

Diogenes

Hedy Lamarr was an Austrian-born American actress. Max Reinhardt called her the ?most beautiful woman in Europe? due to her ?strikingly dark exotic looks?.

Mathematically talented, Lamarr came up with an early technique for spread spectrum communications and frequency hopping, necessary for wireless communication from the pre-computer age to the present day.

The international beauty, along with co-inventor composer George Anthiel, developed a "Secret Communications System" to help combat the Nazis in World War II. By manipulating radio frequencies at irregular intervals between transmission and reception, the invention formed an unbreakable code to prevent classified messages from being intercepted by enemy personnel.

Lamarr and Anthiel received a secure secret patent in 1941, but the enormous significance of their invention was not realized until decades later. It was first implemented on naval ships during the Cuban Missile Crisis and subsequently emerged in numerous military applications. But most importantly, the "spread spectrum" technology that Lamarr helped to invent would galvanize the digital communications boom, forming the technical backbone that makes cellular phones, fax machines and other wireless operations possible.

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Source: http://suckersonparade.blogspot.com/2012/08/the-woman-who-made-your-wifi-work.html

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Easy win for NBC in Nielsens

NEW YORK (AP) ? The weekly television ratings competition was no competition with the start of the Summer Olympics.

Friday's opening ceremony drew more than 40 million viewers for NBC, numbers that were about the same as for the Grammy and Academy awards ceremonies this year, and far more than anything else on U.S. television this summer, Nielsen said.

The first two nights of competition that followed had NBC getting bigger audiences than they had in the Beijing Olympics four years ago, Nielsen said.

For the week, NBC averaged 19 million viewers in prime time (10.4 rating, 18 share). CBS was a distant second, averaging 4.6 million (3.0, 5), Fox had 3.6 million (2.1, 4), ABC had 3.5 million (2.3, 4), ION Television had 1 million (0.7, 1) and the CW had 620,000 (0.4, 1).

Among the Spanish-language networks, Univision led with 3.4 million viewers (1.8, 3), Telemundo had 1.4 million (0.8, 1), TeleFutura had 510,000 (0.3, 0), Estrella had 170,000 and Azteca 100,000 (both 0.1, 0).

NBC's "Nightly News" topped the evening newscasts with an average of 8.5 million viewers (5.7, 12). ABC's "World News" was second with 7.2 million (4.9, 10) and the "CBS Evening News" had 6 million viewers (4.1, 8).

A ratings point represents 1,147,000 households, or 1 percent of the nation's estimated 114.7 million TV homes. The share is the percentage of in-use televisions tuned to a given show.

For the week of July 23-29, the top 10 shows, their networks and viewerships: "Summer Olympics Opening Ceremony," NBC, 40.65 million; "Summer Olympics" (Sunday), NBC, 36.05 million; "Summer Olympics" (Saturday), NBC, 28.72 million; "America's Got Talent" (Tuesday), NBC, 10.43 million; "America's Got Talent" (Wednesday), NBC, 8.76 million; "The Big Bang Theory," CBS, 7.88 million; "NCIS," CBS, 7.22 million; "Wipeout" (Thursday), ABC, 6.85 million; "Two and a Half Men" (Thursday), CBS, 6.64 million; "Hell's Kitchen" (Monday), Fox, 6.46 million.

___

ABC is owned by The Walt Disney Co. CBS is owned by CBS Corp. CW is a joint venture of Warner Bros. Entertainment and CBS Corp. Fox and My Network TV are units of News Corp. NBC and Telemundo are owned by Comcast Corp. ION Television is owned by ION Media Networks. TeleFutura is a division of Univision. Azteca America is a wholly owned subsidiary of TV Azteca S.A. de C.V.

___

Online:

http://www.nielsen.com

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/4e67281c3f754d0696fbfdee0f3f1469/Article_2012-07-31-Nielsens/id-e15784c4f3964ceca2623eb03db29f63

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