EconomPic: Gaming the System... Disability Edition

In my post outlining the decline in employment (excluding teens), reader Mike pointed out another interesting phenomenon:
One of the stories I read about this month's BLS report dealt with the rise in people on disability. I thought charting this over a few dozen years and several recessions might tell an interesting story.
Unfortunately, the BLS only reports this data going back to 2008, but the most recent data shows an interesting trend. From the looks of it, we have what appears to be a not-so-coincidental mirror image between the decline in those unemployed with the rise in the number of people not working via claims of disability. I know next to nothing about disability, but my guess is individuals whose employment benefits have run out, have been increasingly taken advantage of disability (or tried to) as a replacement.

Source: http://econompicdata.blogspot.com/2012/07/gaming-system-disability-edition.html

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Pros and Cons of Running a Home-Based Business | ApostolicCM ...

The concept of operating a home-based business is appealing to people of all backgrounds all more than the planet. On the surface, when comparing a home-based enterprise to operating a typical nine-to-five job for somebody else, it may possibly appear like a dream come true. Nonetheless, the reality is that operating a home-based business enterprise and operating for yourself is not quick. Here are several of the pros and cons of operating a home-based enterprise.

Pros

* You get to be your own boss.
* You don?t have to commute to operate.
* You do not normally need to dress up for operate.
* You may pick and select your clients in some kinds of perform.
* You could set your personal function schedule, including your hours and what days you want to take off.
* You?ll be able to be home with your kids.
* It is possible to take a lighter workload when you wish to schedule a vacation, in many lines of operate you are able to do from household.
* You may set up your own workplace space how you?re most comfy.
* You can look after home responsibilities throughout ?down times? instead of feeling like your time is becoming wasted.
* You?ll be able to take breaks after you want during the day to choose children up from school, visit the health club, or just appreciate great weather.
* It is possible to opt for to work in a field that you will continue to really like on a daily basis.

Cons

* There is not everyone to guide you or answer your queries.
* There is not likely any individual to assist share the workload.
* You must put on many hats including secretary, office cleaning, accounting, management, promoting, and that?s not even to mention doing your actual client function or item manufacturing.
* There is no one to fill in for you personally, so you might be forced to take a vacation only during your industry?s slow season, or perhaps not at all.
* Even with out a boss, you nonetheless must answer to your customers, whose needs and requests could even be much more stringent.
* Due to the fact your clients can always uncover your address, you must hold your house clean and presentable in case one particular decides to quit by, not realizing your workplace is at house.
* Due to the exact same cause of customers potentially stopping by, you can not often dress also casually.
* Your youngsters and pets can develop into distractions for your operate, and your function can wind up causing household tension.
* For those who don?t have space for a full dwelling workplace, your perform life may possibly intrude on your family?s space, also causing strain with family members.
* Simply because you have to invest so considerably time carrying out marketing and advertising and administrative perform, most tiny enterprise owners in service fields can only bill 22-23 hours of their time each and every week.
* Possessing continuous access to your refrigerator and tv can result in added breaks and distractions.
* In several lines of operate, you should be available to your clientele in the course of standard small business hours, so you cannot generally set your personal schedule immediately after all.
* Coping with the a lot more monotonous tasks of running a home-based business enterprise can take away some of the excitement you initially felt for your operate.

Even though you will discover lots of unfavorable elements of operating from property, it is absolutely not impossible. Quite a few individuals all more than the world run effective home-based businesses. The important will be to just understand that these obstacles exist, and to form an action strategy to operate around these difficulties prior to you make the leap into operating a home-based business.

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Source: http://answers.apostoliccm.com/2012/07/pros-and-cons-of-running-a-home-based-business/

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Developing A nike air jordan Home-based Business You Will Be ...

Just about everyone, sooner or later, has fantasized about simply being their own boss. Dreaming is simple, but producing that fantasy a realty happens to be an additional scenario. If owning your own house-dependent business is an issue that suits you, Make sure you meticulously research your program to maintain your desire from converting in to a problem!

Utilize an on-line visa or mastercard acknowledgement business when you are having your business up and running. Propay gives you $1,000 a month of visa or mastercard transactions for any lower per-financial transaction cost and minimal set up. Paypal and 2Checkout each let you acknowledge a credit card on the internet site without any installation or nike air jordan fees each month. As your business will grow, you can go on to a financial institution-supplied processing account if possible.

Visit your banking institution and get them for a small company fiscal counselor to assist you together with your banking requirements. They may help you start up a company bank account, obtain a company credit card, as well as sign up for a residence business bank loan if possible. They will also help you with any financial question you might have, like how you can start off getting dollars out for retirement.

Get the correct equipment to take bank cards. In case your clients or clients view your organization, get credit cards equipment. Should you market your product or service on the internet, wide open an account with the internet cash air jordan exchange business to supply your clients with all the likelihood to buy your merchandise with their bank cards. Pick a web site you can rely for this.

Take whatever you Like to do and transform it into a home based business! By way of example, an individual accustomed to produce miniature worldwide food items for dollhouses being a hobby. Upon realizing that no person was making this type of cultural miniature, they started to sell them on auction web sites and made a hurting!

Determine what type of business insurance policy you require. Some air jordan says demand obligatory company insurance. Before you start your small business it?s crucial that you check into the expense of it and what your express needs. You want to ensure your enterprise is safeguarded and minimize your risks connected with it.

Should your property-centered organization calls for you to go to meet with customers, examine components, or buy things, be sure to file all the charges of your vacation. Travelling expenses are 100% deductible, along with your foods while on a trip is 50Percent insurance deductible. Even ideas can be viewed as a company costs, so ensure that you get an invoice for every little thing, and be sure that invoice notates the very last sum you actually paid for.

Make certain your home-based business is pursuing status restrictions. You really should consult with nike air jordan a cpa as you?re having your business above the ground, since many claims have certain rules that aren?t usually apparent in the beginning. A cpa may help you browse through taxes regulations having an effect on your home business, that will help you avoid snags later on.

By learning more about the techniques and techniques which may have worked for successful house-centered business people. They are concerns and data you should very carefully think about air jordan as you may prepare your organization, and also pitfalls in order to avoid. Then you certainly are on the right track to creating a knowledgeable, educated determination relating to your occupation ideas.

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HBT: Crawford pulled off rehab with groin strain

Oh boy. Carl Crawford?s return to the Red Sox will be delayed yet again, as Evan Drellich of MLB.com reports that the high-priced outfielder was pulled from his minor league rehab assignment due to a mild left groin strain.

Crawford must be shut down for five days before the 20-day window on his minor league rehab assignment can be reset. Of course, he could miss more than five days if additional tests reveal anything serious. He is currently on his way back to Boston for evaluation.

This is the second setback for Crawford since January surgery to remove cartilage from his left wrist. The 30-year-old was diagnosed with a sprained ulnar collateral ligament in his left elbow in late April.

Crawford batted just .255/.289/.405 with a .694 OPS last season in the first year of a seven-year, $142 million contract. His attempt at redemption will have to wait a little bit longer.

Source: http://hardballtalk.nbcsports.com/2012/07/07/carl-crawford-pulled-off-rehab-assignment-with-mild-groin-strain/related/

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24 aces help Serena Williams reach Wimbledon final

Serena Williams of the United States reacts after winning the first set against Victoria Azarenka of Belarus during a semifinals match at the All England Lawn Tennis Championships at Wimbledon, England, Thursday, July 5, 2012. (AP Photo/Alastair Grant)

Serena Williams of the United States reacts after winning the first set against Victoria Azarenka of Belarus during a semifinals match at the All England Lawn Tennis Championships at Wimbledon, England, Thursday, July 5, 2012. (AP Photo/Alastair Grant)

Serena Williams of the United States serves to Victoria Azarenka of Belarus during a semifinals match at the All England Lawn Tennis Championships at Wimbledon, England, Thursday, July 5, 2012. (AP Photo/Anja Niedringhaus)

Victoria Azarenka of Belarus serves to Serena Williams of the United States during a semifinals match at the All England Lawn Tennis Championships at Wimbledon, England, Thursday, July 5, 2012. (AP Photo/Anja Niedringhaus)

Serena Williams of the United States, left, is congratulated by Victoria Azarenka of Belarus during a semifinals match at the All England Lawn Tennis Championships at Wimbledon, England, Thursday, July 5, 2012. (AP Photo/Anja Niedringhaus)

Agnieszka Radwanska of Poland plays a shot to Angelique Kerber of Germany during a semifinals match at the All England Lawn Tennis Championships at Wimbledon, England, Thursday, July 5, 2012. (AP Photo/Alastair Grant)

(AP) ? Serena Williams wins with so much more than serving, of course.

Her groundstrokes are as intimidating as they come. Superb speed and anticipation fuel her court-covering defense. Her returns are more than solid, too.

When that serve is on-target, though, it sure is something special, quite possibly the greatest in the history of women's tennis. Lashing a tournament-record 24 aces at up to 120 mph, and doing plenty of other things well, too, four-time Wimbledon champion Williams overpowered No. 2-seeded Victoria Azarenka of Belarus 6-3, 7-6 (6) Thursday to reach her seventh final at the All England Club.

"Isn't that something?" said Williams' father, Richard, after watching his daughter win on Centre Court. "She was really trying, you know? Maybe she was trying to impress the neighbors back home."

Williams won 20 of 24 service point in the first set, including 17 in a row during one stretch. She didn't double-fault once, a real accomplishment, given how often she went for corners and lines. She finished with a 45-14 edge in total winners. And this performance didn't come against a slouch: Azarenka won the Australian Open in January as part of a 26-0 start to this season, was playing in her third semifinal in the past five major tournaments, and would have returned to No. 1 in the rankings if she'd managed to beat Williams.

That was not about to happen.

Not on this afternoon.

Not the way Williams is playing, five weeks after a stunning exit at the French Open, her only first-round loss in 48 Grand Slam appearances.

"I've been working so hard," the sixth-seeded American said, "and I really, I really wanted it."

She's now one win away from a fifth Wimbledon championship, adding to those in 2002-03 and 2009-10, and 14th Grand Slam singles trophy overall ? but first in two years. For her, that's a long gap. Less than a week after her 2010 title, Williams cut her feet on glass at a restaurant, leading to a series of health problems, including being hospitalized for clots in her lungs, then the removal of a pocket of blood under the skin on her stomach.

"Serena is blessed to be here," Dad said.

On Saturday, the 30-year-old Williams will try to become the first woman at least that age to win a major tournament since Martina Navratilova, who was 33 when she won Wimbledon in 1990. Williams' opponent will be No. 3 Agnieszka Radwanska of Poland, who reached her first Grand Slam final at age 23 by playing steady as can be during a 6-3, 6-4 victory over No. 8 Angelique Kerber of Germany.

"After a couple of games, I just relaxed a little bit," said Radwanska, who made only six unforced errors, one in the second set. "I was really focusing on every point."

The hardest part of her day probably came during the postmatch news conference, which was cut short after Radwanska was overcome by a coughing fit. She appeared to be OK.

Never before even a semifinalist at any Grand Slam tournament, Radwanska is the first Polish woman to make it to a major title match since Jadwiga Jedrzejowska lost three finals in the 1930s.

"I don't really have anything to lose, so just going to try my best," said Radwanska, the junior champion at Wimbledon in 2005, and the French Open in 2006.

Radwanska, whose younger sister Ursula is ranked 54th, will rise to No. 1 for the first time if she wins Saturday.

"If she will play like today," Kerber said, "I think she has a good chance."

Williams won their two previous encounters in straight sets, but they haven't played each other since a quarterfinal four years ago at Wimbledon.

"She's going to get every ball back," Williams said, "so I've got to look forward to that."

It'll be a substantial contrast in styles: Williams' out-and-out power against Radwanska's precision.

"I have every reason to believe she'll win," Richard Williams said about his daughter.

There's no doubt who is favored, especially if Williams keeps serving the way she has been.

The 24 aces that eluded the considerable wing span of the 6-foot Azarenka broke the tournament record of 23 in a match that Williams herself set last week in a three-set, third-round victory over 25th-seeded Zheng Jie. That, in turn, eclipsed the old Wimbledon mark of 20 aces held by ? guess who? ? Williams.

She's also up to 81 aces through six matches, eight shy of the tournament record she set in 2010.

"When she was little, I wanted her to throw like a boy. I bought her a football. And her serve is just throwing," Richard Williams said. "That's why the serve is so devastating."

Instead of ooohing and aaahing about Williams' aces, the crowd was fascinated at the start of her semifinal by Azarenka's high-pitched wails on pretty much every point. It was as if none of the 15,000 or so spectators had ever seen ? well, heard ? her play. They giggled. They imitated the "unh-uhhhhh!" sounds. Eventually, they got used to it.

It took until the second set for Azarenka to get the measure of Williams' serves, and even then, she did so only briefly.

Williams went 30 minutes in the first set without losing a point on her serve. She got the only break she needed in the eighth game, closing it by sprinting to her left to dig out a ball with a defensive backhand that extended the point, then pounding a backhand passing winner.

After dropping a set for the first time this fortnight, Azarenka made one late stand. Down 15-30 while serving and trailing 3-1 in the second set, she took three consecutive games and led 4-3. She suddenly was serving better, returning better and generally turning what had been a rout into a competitive, entertaining contest.

Didn't last too long.

Azarenka did go up 5-4 in the tiebreaker, two points from forcing a third set. But Williams hit her 23rd ace, at 109 mph, to make it 5-all. At 6-all, Azarenka badly missed an easy backhand into the net, and Williams then ended things, fittingly enough, with a 107 mph ace.

"I got a little tight in the second set. I couldn't relax. I was, like, looking too far in the future, and she came back," Williams said. "But I'm glad I was able to get through."

___

Follow Howard Fendrich on Twitter at http://twitter.com/HowardFendrich

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/347875155d53465d95cec892aeb06419/Article_2012-07-05-Wimbledon/id-b9167be09d2f44359b54c2a8ccfc5b6e

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Cape Town police seize chatty drivers' cell phones

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Nannies: Not Just for Rich Kids

Oh, and want to have more than one kid? Every additional child complicates the equation. This isn?t just a New York problem: Meghan Super lives outside of Minneapolis and has five kids ages 11, 9, 3, 2, and 6 months. She works part-time from home and needed child care from 11 a.m. to 3 p.m. for her youngest three. The facility her older children attended when they were young is actually pretty cheap?it would have charged her $10 an hour for the trio, but they didn?t have any infant openings. Super found a large day care center that had infant openings, but that meant driving her kids to different providers and paying a total of $24 an hour. Super?s neighbor runs an in-home day care but charged $50 a day per child, which, since she only needed four hours of care a day, would amount to $12.50 an hour per child, or $37.50 an hour total. Which is a lot! Frustrated, Super turned to an online nanny service and learned the going rate in her area for someone to watch all three kids was only $15 an hour. Finally, a solution.

Source: http://feeds.slate.com/click.phdo?i=bb01067c46399e33adec7584c7ff95dc

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Elite Poperdido ? Real Estate Investment Property Management

Residential Property Management Company Salt Lake Do you own property but aren?t able to give the time to provide sufficient management for your real estate needs? Real estate investment can be exciting and profitable, but it can also be stressful and time-consuming, especially if you operate other businesses. Working with a property management company can give you the appropriate services to get the most from your real estate. Our services include collecting payment, finding quality tenants, and handling other essential tasks. We have developed several fail-safe procedures that are very effective in properly operating your property. Get an estimate today and find out how we can help you with your property management needs. Property Manager

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Grieving father fights invisible killer of swimmers

Saul Young / AP

The scene at German Creek Marina in Bean Station, Tenn., on Wednesday after several children were shocked while swimming.

By Isolde Raftery, msnbc.com

When Kevin Ritz read about the children who died after being shocked by electricity while swimming in lakes in Missouri and Tennessee on Wednesday, he thought about his 8-year-old son, Lucas, and the dozens of others who have died this way.

?Everyone goes, ?How can that happen??? Ritz said.

In 1999, Ritz?s children were swimming in the Multnomah Channel of the Willamette River in Oregon when suddenly, Lucas let out a gasp and apparently became unconscious. His life jacket flipped him over so that his face was out of the water. As his wife jumped in the water to save their son, she felt paralyzed, a feeling she attributed to fear. His other son later reported that he, too, felt numb and tingly.


Law enforcement officers told Ritz that his son had drowned, but Ritz pushed them to investigate further. His son?s face, he said, hadn?t been submerged and he had been wearing a life jacket.

?With my digital voltmeter, I went to the area where Lucas had been, put the negative lead to a ground, dropped the positive lead into the water, and immediately got AC voltage,? he wrote in an essay about his son?s death. ?I notified the Sheriff?s Department, reporting what I had found and that I wanted to get someone to confirm my test. They agreed to send out some deputies while I called in an electrician. He arrived later that morning, tracing the electricity to a powerboat that was in the area where the kids had been swimming.?

Children electrocuted while swimming in lakes

In the throes of grief, Ritz, now a marine electrician, started agitating for safer marinas. It infuriated him, for example, that electrical outlets at marinas were not held to the same standards as outlets in bathrooms.

?The European market has had ground fault protection in their marinas ? the power coming into the marina at the docks ? for over 25 years,? Ritz told msnbc.com. ?How come we can?t have that??

The obstacles are many, however. Ritz said that a marina manager near where he lives wanted to upgrade some of the marina?s electrical system but learned that, by law, he would also have to upgrade the whole system ? a pricey proposition.

Herb Hall, president of Sierra Boat Co., a Lake Tahoe marina specializing in classic and wooden motorboats, said having good electrical systems on the docks is discussed at an annual marina conference, but that some marinas ?unfortunately aren?t successful and don?t have the money to maintain things.?

?On an annual basis, you need to be inspecting out on your docks,? Hall said. ?Most marinas have floating docks. You have flexible connections going out on the docks that are moving all the time, and those chafe and wear and separate.?

2nd boy dies after shock incident in Tenn. lake

Ritz works with David Rifkin to keep a list of those who have died from what they call electric shock drowning. Their list is anecdotal, because that cause of death is impossible to determine in an autopsy, Ritz said.

Rifkin counts more than 50 people who have died in that manner since the mid-1980s, but he said the actual number is likely many times that.

?Most of the time when these things happen and there?s no reason to believe it?s electrical in nature, it?s listed as a drowning,? Rifkin said. ?We?re thinking the numbers could be one hundred-fold.?

Rifkin?s list does not include those that occurred Wednesday ? he said he does not yet have enough information to include them.

But the deaths on the Fourth resemble the others on the list, in that all occurred in freshwater. Alexandra Anderson, 13, and her 10-year-old brother, Brayden, were swimming in Lake of the Ozarks, a freshwater lake in Missouri. Noah Winstead, 10, and his friend Nathan Lynam, 11, died after being shocked in Cherokee Lake in Tennessee.

Rifkin has no documented cases of deaths in saltwater. He says that?s because of the high voltage gradient that would have to be present.

?When these things happen, I'm often called in to find the electrical fault,? Ritz said. ?I spend a good portion of my life educating first responders and law enforcement on this issue in hopes that lives will be saved.?

More content from msnbc.com and NBC News:

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Source: http://usnews.msnbc.msn.com/_news/2012/07/06/12588068-grieving-father-fights-invisible-killer-electrical-shock-to-swimmers?lite

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