It's one of the most prevalent side effects of the recent economic recession, and one of the most frightening things for individuals and families to face in the midst of financial crisis. It's true... home foreclosure is something all Americans hope they never have to contend with, and hope they can prevent in order to continue living their lives. However, those who attempt to work with an agency or counselor to avoid foreclosure should be wary of the people who prey on those in this weakened financial state. While foreclosure is an unfortunate necessity in some cases, ...

According to a report published by the House of Commons Library (July 2010), Northern Ireland's public sector employs about 30% of that region's work force; a figure that is well ahead of other UK regions and one that points to the importance of expanding the private sector. Key to business growth is international certification; achieving recognition for complying with high standards that are recognized around the world. Certification Europe, an Irish-based firm that assists private sector companies in attaining international standard certifications is opening a new Belfast ...

Occasionally there is a need to separate two objects bonded with LIQUID NAILS Adhesive, such as two boards, two bricks, or in some cases, two fingers. Here are some tips for getting out of the stickiest situations. LIQUID NAILS Adhesive is designed for durable bonding - this isn't supposed to be easy. How to Remove LIQUID NAILS Adhesive from Skin First, check to see if the adhesive is solvent- or latex-based. For Solvent-Based Adhesive: - Gently rub petroleum jelly, vegetable or mineral oil onto the skin. Repeat applications may be needed. - Remove any contaminated ...

NewFreeScreensavers.com celebrates the autumn's signature festival, Oktoberfest. Boasting an unparalleled section of spyware-free, adware -free, virus-free screensavers, www.NewFreeScreensavers.com is the savvy users first stop for a new screensaver. Oktoberfest, a traditional autumn festival held initially in Munich, Germany, that features beer-drinking and merrymaking, and is known as the "largest folk fest in the World". Users can download a large variety of eye-catching Oktoberfest screensavers. Rotating mugs with beer, beer bubbles, Oktoberfest friendly waitresses, ...

Travellers heading to Seville this autumn will have the chance to see celebrated tenor Jonas Kaufmann perform in the city. Accommodation Seville guests can see him take to the stage on October 22nd at the Teatro de la Maestranza. The accomplished singer will be accompanied by Helmut Deutsch, as the pair take the audience on a journey through some of Strauss and Schubert's finest works. Kaufmann has performed in many European cities, including London, Berlin and Munich, with a variety of different companies. He undertook his formal music studies at Munich's Hochschule ...

A Jessica Stockholder sculpture entitled Peer Out to See has been unveiled in Madrid, with the work on show blending the literal and the metaphorical seamlessly. On display until February 2011 at the Palacio de Cristal in Parque del Buen Retiro, this sculpture is sure to intrigue guests at Madrid hotels with its playful nature. The organisers note that there are all sorts of puns to be found in Stockholder's work, with her creations being deeply serious and good aesthetic fun at the same time. "As things that once seemed familiar and ordinary take on new life - ...

A long-held assumption by many hospital administrators and doctors was that admitting a medical error would subject those in the health care field to more liability and increased costs across the board. However, a recent study by the University of Michigan Health System seems to contradict that assumption. Policy of "Disclose and Offer" In 2001, UMHS adopted a policy recommending that health care workers, including doctors and nurses, disclose when mistakes were made to patients and families early in the process. The policy included noting who was responsible for ...

The New Jersey legislature is considering a bill that would make it mandatory for any driver involved in a traffic accident where a fatality or a serious injury occurred to take a sobriety test. Currently, traffic officers cannot require a driver under such circumstances to submit to a blood or breath test unless the officer has a clear suspicion that the driver was operating the vehicle while under the influence of alcohol or a drug. From 2004 to 2008, 33 to 37 percent of all traffic fatalities in New Jersey were alcohol-related. During this period, 26 to 31 percent ...

Fall semester is back in full swing and Salt Lake City students are using their trusty two-wheeled vehicles to get around campus. Bicycles, mopeds and scooters are some of students' favorite modes of transportation as they are efficient, easy to park and easy to store. However, they offer little protection for the rider in the event of a crash, so both the rider and other motorists need to exercise increased caution at this time of year. Motorists should be especially careful when driving near the University of Utah, Westminster College and Salt Lake Community College. ...

A recent Connecticut Law Tribune article highlighted the case of a 56-year-old research scientist who was killed crossing the street in New Haven. He was well known and respected in his field of biomedical research. As a molecular biologist, he was particularly interested in developing new treatments for heart disease and the underlying causes. He was struck by a bus making a left turn. At first glance, the incident appeared to be the fault of the pedestrian. It seemed obvious; he was speaking on a cell phone, distracted and crossing against the light. The bus had ...

Broadly, illegal activity involving a computer may be called a cybercrime. With the advent of the Internet, cybercrime has exploded -- not surprising with over one billion people using the Internet worldwide. There is no shortage of potential targets, and victims and perpetrators can be separated by oceans. The anonymity of the Internet allows for low costs and leaves few traces, and cybercriminals may be either solo operators or parts of larger schemes, possibly even affiliated with organized crime. Ironically, technology makes it easy to create fraudulent online material ...

The current economic crisis has affected individuals and families across the county. The residents of Arizona are no different than the rest of America, as many of us, our friends, or our neighbors face foreclosure on our homes. Foreclosure Statistics for July 2010 According to numbers released by Arizona State University (ASU) Realty Studies, 43 percent of existing homes sold in the Phoenix area in July were foreclosures. This number is up from 36 percent and 33 percent respectively in the prior two months. While the number of foreclosures sold in the existing ...

The subject of divorce has seen many changes over the last half-century. In addition to becoming more common, there are now many more ways of going about the process. What used to be exclusively adversarial and dependent on courtroom proceedings for its outcome is now increasingly cooperative, and much of it can take place out of the public eye. Couples or individuals contemplating divorce can choose from four predominant means of resolving their differences and ending their marriage. In addition to traditional litigation, three forms of ADR (alternative dispute resolution) ...

According to the National Highway Traffic Safety Association, there were 104 fatal accidents involving large trucks in Louisiana in 2008. During that same year, over 4,000 people died nationwide in truck accidents, down from over 4,600 in 2007. Despite the recent decline in truck accidents, the Federal Motor Carrier Safety Administration (FMCSA) notes that over the last several years, the rate of crash reduction has slowed. This has prompted the FMCSA to review its procedures and policies, revising the way the agency evaluates carriers and drivers. As a result, the ...

In a July decision, the Supreme Court of Ohio held that a state law that stops criminal statutes of limitations from running during a period when the accused has purposely avoided prosecution must be applied to all other crimes allegedly committed by that person. This is true regardless of whether the defendant had been indicted for the other crimes or the alleged activity had been discovered at the time of the defendant's flight from justice. The case in question, State v. Bess, involved a Cuyahoga County man who learned in 1989 that he was being investigated for allegations ...

Former NFL linebacker Mark Fields was arrested in August after a confrontation with the mother of his daughter outside a Goodyear, Arizona, day care facility. The woman told police that Fields was prohibited from having contact with the child, and witnesses stated that he threw her to the ground after choking her and threatened to kill her. Fields was arrested later that day in his Litchfield Park home and taken to a Phoenix jail. The Arizona Republic reported that booking documents indicated a history of escalating domestic violence behavior. He faces felony counts ...

Bigmouthmedia has published a white paper calling for the Financial Services Authority to introduce specific guidelines governing the sale of financial products and services online. While almost a quarter of all UK-based marketing spend is now online, there are still no specific guidelines for how financial marketers should engage in online marketing. Bigmouthmedia's white paper demonstrates growing cause for concern amongst marketers that while the Internet has created a unique set of conditions; the FSA has yet to provide specific guidelines for marketers using the ...

House of Fraser, premium department store, has introduced its first bespoke men's shirt service in association with Bivolino. Customers can shop online and buy tailor-made shirts from Bivolino, a brand renowned for its cut shirts made from the fine materials. Bivolino worked closely with William Morris wallpaper designs, famous for their innovations in printing and weaving technology, to create fine fabric contrasts for collar and cuffs, exclusively for House of Fraser customers. A patented biometric sizing technology, Linosoft, calculates a customer's height, weight ...

M&S Money has announced the results of a new survey that reveal the average student bedroom contains a massive GBP1620 worth of gear. The average student crams into their room almost GBP699 worth of electrical gadgets and appliances, GBP444 worth of clothes, sports equipment valued at GBP246 and textbooks worth GBP231, according to the poll by M&S Money*. The huge value of a student's bedroom is not surprising, with over half of students (55%) owning a laptop, 48% possessing a MP3 player and 20% a widescreen television. But students' expensive tastes are nothing ...

Guoman's The Cumberland hotel, which was the last known address of Jimi Hendrix, has announced that on September 18th, the 40th anniversary of the death of the guitar legend, it will be marking the occasion with a new Hendrix-inspired suite and mini-photography exhibition. Hendrix was a regular guest at the hotel near Hyde Park, during the 1960s and conducted what was to be his last ever interview, with music journalist and press agent Keith Altham, in one of the hotel's fifth-floor Suites just days before his untimely death in 1970. The suite is designed to inspire ...

ROCHESTER, Minn. -- The drug pazopanib may help revolutionize the care of patients with metastatic, rapidly progressive differentiated thyroid cancers, say researchers at Mayo Clinic who are publishing findings of a phase II clinical trial in The Lancet Oncology. VIDEO ALERT: Additional audio and video resources, including excerpts from an interview with Dr. Keith Bible describing the research, are available on the Mayo Clinic News Blog. Password: bible. The researchers studied 37 patients with the most aggressive form of this cancer -- developing in less than 5 percent ...

WASHINGTON — The nation's ability to detect and forecast tsunamis has improved since the 2004 Indian Ocean tsunami, but current efforts are still not sufficient to meet challenges posed by tsunamis generated near land that leave little time for warning, says a new congressionally requested report from the National Research Council. The report calls for a comprehensive national assessment of tsunami risk and improved communication and coordination among the two federal Tsunami Warning Centers, emergency managers, media, and the public. "For a tsunami warning system ...

PHILADELPHIA - The lab of Kevin Foskett, PhD, the Isaac Ott Professor of Physiology at the University of Pennsylvania School of Medicine, has found a possible new target for fighting cystic fibrosis (CF) that could compensate for the lack of a functioning ion channel in affected CF-related cells. Their finding appears in the Journal of Clinical Investigation. The team explored the role of CFTR, the chloride ion channel mutated in CF patients, in fluid secretion by mucous gland cells. They used a recently developed transgenic pig model, in which the CFTR gene has been ...

TORONTO, September 17, 2010 – Nearly half of women with diabetes prior to pregnancy have a potentially-avoidable C-section and their babies are twice as likely to die as those born to women without diabetes, according to the POWER study. Researchers from St. Michael's Hospital, the Institute for Clinical Evaluative Sciences (ICES) and Women's College Hospital say rates of diabetes in Ontario have doubled in the last 12 years. Nearly one in 10 Ontario adults has been diagnosed with diabetes, including more women than ever before. As women develop type 2 diabetes (adult ...

Global efforts to tackle millions of preventable child and maternal deaths will fail to extend gains unless world leaders act now to pour more healthcare resources directly into families and communities, according to a new World Vision report launched today. "The Missing Link: Saving children's lives through family care" examines how the resources invested to achieve Millennium Development Goals (MDGs) 4 and 5 can go further toward saving the more than 8 million children under the age of five and 350,000 mothers who die each year, mostly from preventable causes. Undertaken ...