Sunday, June 3, 2012

Micro Finance / Credit Program and Economic Activities ~ Non ...

Characteristics of Economic activities:
The characteristics of economic activities to be supported through a savings and credit program include their scale, economic sector and the length of time participants have been involved in the activities.
Scale
The word enterprise denotes a more formal business with paid employees, fixed assets and a stable market that provides a full time living for its owner. On the other hand, participants who are motivated to earn an income from self employment are often members of households characterized by: multiple economic activities undertaken a different times throughout the year, generally conservative risk management, with a clear preference to low risk , low returns in the short term and predominately subsistence-level production, with market level production in a limited number of economic activities.
A useful conceptual devise that describe the scale of small economic activities is the IGA/ME/SE continuum, where IGA signifies Income Generating Activities and SE signifies Small Enterprises. Although the continuum always implied a middle ground between IGAs and SEs , an intermediate category, Micro-Enterprise (ME) has been added to clarify the broad grey area which previously existed. The follow are they key characteristics of IGA,ME and SE.
Income Generating Activity (IGA)
???? Mixed with house based Economy
???? Family labor
???? Little or no investment in workday
???? Traditional technology
???? Little or no fixed assets
???? Part-time and seasonal occupation for owner, multiple activities
???? Low or not skill level
???? Literate or semi-literate
Micro Enterprise (ME)
???? Mixed with house based economy but shifting to the separation
???? Family labor, apprentices, paid labor
???? Usually little investment in workday
???? Out-dated technology
???? Usually moderate fixed assets
???? Full-time occupation
???? Moderate to high skill level
???? Low to medium levels of literacy
???? Few written records
Small Enterprise (SE)
???? Separate from household economy
???? Paid labor
???? Extensive investment in workday
???? Modern technology
???? Extensive investment in fixed assets
???? Full-time occupation
???? Higher skill level
???? Literate
???? Extensive records and system

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A Short Guide on Rental Property Investment

So you have all this money in the bank and one of the ideas you?re toying with is rental property investment. However, you?re not sure of what basic things to look for or ask your real estate broker as far as choosing a good piece of property is concerned. Don?t fret because here is a good basic guide you can refer to for starters:

1. ?Your rental property investment should be in a good neighborhood. A quality neighborhood is one of the elements of profitable real estate. Prospective tenants are always looking for places that will make them feel they belong. For example, if your property is close to Information Technology centers, chances are your would-be tenants work in that industry. Another example: your property may be located in a burgeoning community with a lot of young families, so expect your house or apartment to appeal to couples with little children.

You need to make sure that the place you choose will attract at least one strong segment in the market.

2. ?Your rental property investment should be near a school or hospital (or both). Close proximity to schools and hospitals is a surefire way of making profitable real estate more lucrative. Potential tenants who have children of school age, family members with medical conditions and who value their health and security will always choose a home that is near a good school and a hospital. When you scout around for property, keep those two things in mind.

3. ?Your rental property investment should be close enough to public transportation hubs. With the price of gas, people have been resorting to taking public transportation like buses and trains to save money. That means people will also want to live in places that is close to the stations, and that is key to truly profitable real estate. The house or apartment you would like to acquire and rent out should allow future tenants to easily get there on foot. Put yourself in the shoes of commuters ? why would you rent a place that will force you to walk for more than half an hour to the bus stop?

4. ?Your rental property investment should have police presence.? There is no such thing as a crime-free neighborhood, but there is such a thing as a well-protected community. A strong police presence deters criminal activity and that is always a plus factor that can make your investment a real piece of profitable real estate. So select property in a neighborhood that has a good safety track record and a highly responsive police force. Ask long-time residents about the history of the place to give you a good picture of security levels, which your future tenants will surely demand to find out.

5. ?Your rental property investment should be close to employment opportunities. In this economic climate, people will always want to be where the jobs are, so to make sure your investment turns into profitable real estate, choose a place that is close to those opportunities.? For example: a major corporation is opening a satellite office in your city, or even moving its headquarters. That?s your chance to cash in on the people who would like a place close to that establishment. Make convenience your selling point to interested tenants!

Selecting real estate to invest in and derive passive income from should not be complicated. As long as you factor in the above elements in your decision-making, you can enjoy the benefits and rewards of your rental property well into your own retirement. Good luck and happy hunting!
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Saturday, June 2, 2012

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Speaking With Nightwing Writer Devin Grayson | Titanstower.com

Grayson on Grayson: Speaking With Nightwing Writer Devin Grayson
BY COREY HENSON ? posted 11-25-2002 04:58 PM? ? courtesy of http://www.comicon.com/pulse

Devin Grayson emerged on the comics scene five years ago, almost immediately gaining attention from audiences with her inherently witty sense of humor and knack for scripting character-driven stories. She had almost no previous exposure to the medium, deciding to enter the field after becoming enthralled with the character of Dick Grayson, a.k.a. Robin, from the Batman The Animated Series cartoon.

After successful stints as the writer of DC?s Catwoman and Batman: Gotham Knights, Grayson has come full circle, following Chuck Dixon on Nightwing. Now she has the chance to guide the comic book life of Dick Grayson, Boy Wonder Emeritus.

I interviewed Grayson during a convention appearance last month in Houston. She was friendly and enthusiastic, greeting fans with a beaming smile, joking around with table-mate Kurt Busiek, and talking the proverbial blue streak (the entire two-thousand-plus word interview took place in about nine minutes or so).

THE PULSE: Bruce Wayne recently adopted Dick Grayson, but they don?t really have a traditional father/son relationship. How do you see their relationship?

DEVIN K. GRAYSON: Well, first I would question what you mean by traditional father/son relationship, because I?ve never seen any such thing. I?m from Northern California, and part of what really gripped me about the Batman mythos right away was that he seemed a very familiar, paternal figure to me, being very exacting and very fierce and very dark and very emotionally shut down and also wildly charismatic and inspiring. And to be in the position to be the kid, Dick, who?s naturally effusive and very generous and affectionate and warm, and to literally be raised in a cave with this demonic figure, is an amazing tension that I actually do think speaks to a lot of father/son relationships. Each generation tends to be a little more verbal and able to express their feelings than the one before.

You have a lot of situations where the son is really just wanting to say ?I love you dad, what can I do to make life easier for you?? And the Dad?s position is like ?things like that aren?t discussed.? So I think their relationship, because they work together, if you were looking for examples in real father/son relationships, would have to be one, where there was a family business at stake and then you?d need to look for what I do think was the unusual thing, which is that the son really wanted to be in that business.

And part of the key to their relationship is Dick loves what he does. And he is so thrilled to have sort of stumbled into this life. And for Bruce, this life came about absolutely of tragedy, and he?d give anything to have his parents back. And I think at this point in time, Dick sort of feels like ?I?m not glad my parents were killed or anything, but damn, this rocks!? So, Bruce works out of this sense of tragedy, and Dick is doing it out of this sense of gratitude. But I think they bring a lot to each other.

There?s a lot of unhealthy aspects to the relationship, and a lot of very healthy, grounding aspects to the relationship. And it?s still evolving, which makes it really fun to work with. With the adoption, one of my friends said ?Well, there?s so much great tension in that relationship, why would you end it with the adoption?? And I said, ?Are you kidding? We?re just getting started!? [Laughs]

THE PULSE: Great points. And that?s why you?ve written Batman, and I haven?t.

GRAYSON: [Laughs] Thank you.

THE PULSE: A few years ago, Dick took over as Batman on a temporary basis. Would Dick, if given the opportunity, ever permanently replace Bruce?

GRAYSON: I think about that a lot, actually, because it?s sort of irresistible the way everything is set up. And there?re two different scenarios. One is that Bruce steps down, and asks him to do it, in which case I can?t imagine he would refuse Bruce. I think it would make him wildly uncomfortable on some levels, but he would be honored he asked. In a funny way, he was raised by Batman more than he was raised by Bruce Wayne, and his relationship is really with Batman, so I think he has enough respect for the mythos not to let it die. But what I was saying earlier about him being so naturally effusive and sociable, you know, Batman is so not who he is. The other scenario of course is that Batman dies. And I think, first of all, that?s unthinkable, right, for all of us? But for Dick, especially, I mean, that?s got to be his greatest fear.

This guy has been his savior, on many levels, and I think, initially, he would really resist putting on the costume or letting anybody else because it?s sort of an admission that Bruce is not coming back. And then you really get to look at his history with his friends and stuff. Like Wally, who had to do this very painful thing of taking over for his mentor. And I think, psychologically, eventually Dick would put the suit on and would sort of become Batman, because it would be almost easier to become him than to lose him. And that would be so psychologically damaging for who he is and it would really screw him up. So for their sakes, I?m glad that they?re perpetually stuck in their respective twenties and thirties.

THE PULSE: Do you think Dick could make a good Batman?

GRAYSON: I think he?d make a better Batman than anyone else available to do it. But I think he makes a much better Nightwing. And it?s much healthier for him, and he can do things as Nightwing ? I don?t think there?s anybody else who could be Nightwing, let?s put it that way.

THE PULSE: Are Dick and Barbara Gordon soulmates?

GRAYSON: No, but they?re really good friends who love each other and have a lot of interesting history. I think about this a lot too now, because I have to. I think Dick would be a terrifically difficult boyfriend to have. He?s really passionate, and really 100% there. I always think of the way Tom Cruise does his acting. He?s really right in your face. That?s very Dick-like, but then when that person isn?t there, they?re 100% wherever else they are, and as their girlfriend or boyfriend you know that.

And it?s not just the fear of cheating, but this sort of very unnatural ebb and flow of energy that he?s sometimes he?s around and there?s just tremendous romance and intensity coming off of him. And then he?s just frickin? gone, and he?s gone for four days and nights in a row, and you know his life?s in danger every moment. I like that Babs is older than him, I think it puts an interesting twist on it, that?s she?s actually a little more grounded and world-wise in her own ways. It?s a really interesting relationship that I?m going to be playing with in the series.

And my main point is that Barbara at this point is really looking to build a future, and Dick, in many ways, is looking to protect the past, and that?s going to end up being a problem for them.

THE PULSE: That?s interesting. I would have figured you?d say they were soulmates.

GRAYSON: Well, I?m not sure I believe in the concept of soulmate anyways. But if I were going to say there were soulmates, I?d say it was Bruce and Dick. Soulmates are people who need each other to be complete in who they are. Are Dick and Babs a good romantic match? Yeah, in a lot of ways. They?ve got a lot of stuff to work out. But there?s something fundamentally immature about Dick, in a nice way. Childlike, rather than childish. And Barbara?s very self-defended. And I think, if they can work this out, it?d be great. But the primary problem with the relationship is that she does not want anyone taking care of her, and he lives to take care of people. He can?t help it. He?ll be jumping up on the cupboards, getting her stuff down. And she?s like ?Dick, the whole apartment is set up so I can deal with it.? ?No, it?s okay? ? He?ll never stop white-knighting, and she?ll never stop resenting white knights.

THE PULSE: What are some of the most important elements of a good comic book story?

GRAYSON: Comics is just a medium, and you can absolutely do anything with it, and I think it?s actually really fun to look outside what we consider mainstream and traditional comics. It?s an extremely powerful medium, with the juxtaposition of words and images, that sort of has endless applications. I think we?ve really only touched the surface of what it can do. In terms of the mainstream stories that we?re telling? what I was a going to say is basic story structure, that there?s a beginning, middle and end in some true line. But actually, it?s serialized fiction, so sometimes the beginning, middle and end is done more in the manner of soap operas or something, rather than a novel. I think there is no one answer to that.

One of the things that works best is when a team, for whatever reason, has a good synergy, and when the artist and writer are on the same wavelength I think you can really tell. And when they?re having fun with what they?re doing, I think that comes across generally.

THE PULSE: When you first started writing comics, you weren?t very familiar with them. Now that you?ve been doing it for a few years, who among your peers has been an influence on you?

GRAYSON: People have been so friendly and generous, and I?ve really learned not just from reading other people, but from talking to them. And In that sense, Phil Jimenez, Kurt Busiek, Chuck Dixon, Mark Waid? I had a nice talk with Neil Gaiman once that was really helpful. I think Alan Moore structurally is the guy that I actually study. I take those down and I look at every single page because there?s brilliance there. Terry Moore is one of my favorite people to talk to, and he?s really interesting because he can come at it from the artist?s angle, too, and talk about that process.

The editors that sort of trained me in the Bat-verse were also writers ? Scott Peterson, Denny O?Neil, Jordan Gorfinkel, Darren Vincenzo. I?ve learned a lot from them and they really shaped me as a comic book writer. So I feel like if there?s a school of comic book writing that I?m from, it?s them. But there?re tons of people who influence my work, and I meet more every time I go to a con.

THE PULSE: What are your biggest influences outside of comics?

GRAYSON: The thing I love about being a writer is that absolutely everything is relevant. You can be sitting in a diner, listening to somebody talk three tables away and go ?Wow!?

I love movies. There?re a couple of directors I tend to follow. I love reading. Actually, these are all listed in here (points to the convention program, which features an interview with her) so I?m not going to take up tape space. But you can go and actually get detailed names. [Editor's Note: For the record, the program's interview lists a wide range of influences, including Carl Jung, Dostoevsky, James Baldwin and a bunch of others.] But I love this job, and part of it is because absolutely everything counts.

THE PULSE: A lot of writers these days, like Grant Morrison and Garth Ennis, use a ?less is more? approach to writing, meaning they rarely, if ever, use narration of thought balloons. What are your thoughts on this?

GRAYSON: When it?s done well, it?s masterful. I think that?s one of the things that the medium is in a position to do really powerfully. When you have an artist who?s very good with storytelling, and pacing, and you have a writer who can trust them to do that, I think a lot of the most powerful stories can come from that. I?m definitely against copious text -but there are a couple of issues that I will pick up and laugh at. There?s one scene ? I don?t want to name names ? but the character?s literally talking himself out of the panel, and all you can see is the mouth and this huge balloon where his head should be.

Sometimes, people can use the text, like Neil Gaiman, rather poetically, and it?s really adding to what?s going on. But for the most part, at least with what we?re doing right now in this stage of developing comics that we?re in, I think less does tend to be more.

THE PULSE: Do comics appeal to female readers?

GRAYSON: I have no idea [laughs]. I am bisexual and I am a tomboy and I am just the worst representative of womankind that you can find, so I don?t really know what girls are into. But I can?t see why they wouldn?t. One of the things I?ve heard is that girls aren?t used to reading monthlies, or the idea of starting a story and going back to the store. But they love magazines, and some of them love soap operas, so it doesn?t seem that the concept would be so far-reaching.

THE PULSE: That sounds like a completely stupid concept to me.

GRAYSON: Yeah, I?m not sure I buy that either. You know, I have a lot of people asking me my opinion on the sort of improbable way that women are drawn, and does that turn girls off. And I?m like ?Well, yes, I can?t find a female who looks like Catwoman, but nor can you find me a male who looks like Nightwing.? And I would think that would be a draw [laughs]. So that?s fanciful, it?s fantasy stuff. It can be done offensively, but I think for the most part, it?s not. It?s just part of what we?re doing. I think the big problem is the marketing. It?s just not reaching them. And the specialty stores, for the most part, are not very female-friendly and are not places most girls would wander into and just go ?Gee, what?s here?? They?d just sort of look at it and go ?Ugh? and keep walking, or go back to the ear-piercing place in the mall or something. But again, comics is just a medium, and there?s absolutely nothing about it that suggests it would be gender-specific.

THE PULSE: What?s coming up in Nightwing?

GRAYSON: Right now we?re dealing with the corrupted police force in the ?haven ? things are really heating up for Nightwing both during his day job and on his night shift. And just when he thinks he?s got things settled down a little bit, in comes one of my favorite Titans villains, gunning for somebody close to Dick. And don?t miss our specially sized issue number 75, which, among other things, introduces our all-new Tarantula!

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Health and Fitness: Hand Wrist Pain Article Category - Zane ...

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Friday, June 1, 2012

Fred Wilson Talks NYC?s Tech Scene, The Effect Of Angel Investors, And More [TCTV]

517374801_3_oIf you want to learn about the booming tech startup scene in New York City, it doesn't get much better than talking to Fred Wilson. Wilson has emerged as perhaps the most recognizable figure of the now-booming New York tech scene, through his 25-year career as a venture capitalist (currently he's a partner at venture capital firm Union Square Ventures) and also through his very popular "A VC" blog.

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Gov't cracking down on unsafe bus companies

FILE - In this March 12, 2011 file photo, emergency personnel investigate the scene of a bus crash on Interstate-95 in the Bronx borough of New York. Twenty-six bus operations that transported more than 1,800 passengers a day along Interstate 95 between New York and Florida have been closed for safety violations in what federal officials say is the government's largest single safety crackdown of the motor coach industry in at least a decade. (AP Photo/David Karp, File)

FILE - In this March 12, 2011 file photo, emergency personnel investigate the scene of a bus crash on Interstate-95 in the Bronx borough of New York. Twenty-six bus operations that transported more than 1,800 passengers a day along Interstate 95 between New York and Florida have been closed for safety violations in what federal officials say is the government's largest single safety crackdown of the motor coach industry in at least a decade. (AP Photo/David Karp, File)

FILE - In this March 12, 2011 file photo, Emergency personnel investigate the scene of a bus crash on Interstate-95 in the Bronx borough of New York. Twenty-six bus operations that transported more than 1,800 passengers a day along Interstate 95 between New York and Florida have been closed for safety violations in what federal officials say is the government's largest single safety crackdown of the motor coach industry in at least a decade. (AP Photo/David Karp, File)

(AP) ? Twenty-six bus operations that transported more than 1,800 passengers a day along Interstate 95 between New York and Florida have been closed for safety violations in what federal officials say is the government's largest single safety crackdown of the motor coach industry in at least a decade.

Teams of officials for the Federal Motor Carrier Safety Administration, armed with legal orders declaring the bus operations imminent hazards to public safety, swooped down Wednesday on companies based in six states: Georgia, Indiana, Maryland, New York, North Carolina and Pennsylvania. Officials withheld details about the operation until Thursday.

The shutdown orders were aimed at the companies' headquarters and at bus pickup locations. Most of the 233 bus routes serviced by the companies either departed from or terminated in New York City's Chinatown district.

Besides the shuttered bus operations, 10 people ? company owners, managers and employees ? were ordered to stop all involvement in passenger transportation operations, including selling bus tickets, the Transportation Department said.

The shutdowns are the culmination of a yearlong investigation by the safety administration that focused on three primary companies: Apex Bus Inc. and I-95 Coach Inc., both of New York, and New Century Travel Inc. of Philadelphia. Each of the three companies oversaw a broad network of other bus companies, officials said. The other bus operations targeted in the crackdown were companies that were affiliated with one of the three primary companies but have other names.

Phone calls and emails to the three companies seeking comment were unanswered.

Safety officials have long complained that their attempts to put unsafe bus operators out of business are frequently thwarted by "reincarnated carriers" that simply reopen for business under a different name or in a different location, or that transfer their buses to an affiliated company that shares similar ownership. Buses belonging to such rogue companies are known in the industry as "ghost" buses because they are frequently painted white with relatively little decoration to make it easier to repaint them with a new company name.

The motor coach industry transports more than 700 million passengers a year in the U.S., roughly the same as the domestic airlines.

Wednesday's shutdowns applied to nine active bus companies; 13 bus companies that had lost permission to operate but were continuing to operate anyway; three companies that were in the process of applying to the government for operating authority; and a bus ticket seller.

Federal safety investigators found all of the carriers had multiple safety violations, including a pattern of using drivers who didn't have valid commercial driver's licenses and failing to administer alcohol and drug tests to drivers, according to the safety administration. The companies also operated buses that had not been regularly inspected and repaired, and their drivers were violating work schedule and rest requirements and didn't have proper qualifications, officials said.

The safety administration began investigating the network of carriers operating along I-95 following a series of deadly bus crashes last spring.

On March 12, 2011, a bus returning to Chinatown from an overnight trip to a casino in Connecticut hit a barrier in the Bronx, toppled on its side and slid into a signpole with such force that it was sheared in half from front to back. Of the 32 people on the bus, 15 were killed and the rest were injured, some severely. The driver, Ophadell Williams, has pleaded not guilty to charges of manslaughter and criminally negligent homicide.

Documents released by federal accident investigators show the bus was speeding at the time of the accident and that Williams' driving privileges had been suspended 18 times over 20 years. World Wide Travel of Greater New York, the bus company, was ordered to shut down for safety violations after the accident. The National Transportation Safety Board is scheduled to hold a meeting Tuesday to determine the probable cause of the crash.

In May 2011, a bus traveling from Greensboro, N.C., to Chinatown veered off I-95 in Virginia, hit an embankment and overturned. Four passengers were killed and 50 were injured. The driver acknowledged falling asleep, according to court documents.

The bus operator, Sky Express Inc. of Charlotte, N.C., had been cited for 46 violations of driver fatigue rules in two years. The company was ordered to shut down after the accident, but within days it resumed business under two new names, according to the Transportation Department. That prompted a second shutdown order from the safety administration.

Several other bus companies were also ordered to shut down last summer after a comprehensive compliance review of their operations.

"The investigation of those operators uncovered additional problems and serious safety violations with other I-95 carriers, and ... investigators have been working diligently ever since to establish the links between the bus networks," the Federal Motor Carrier Safety Administration said in a statement.

But the safety administration, which works with states to enforce safety regulation of interstate bus companies, is overburdened, an NTSB report released last fall said. There are 878 federal and state inspectors who oversee 765,000 bus companies, or an average of slightly more than one inspector for 1,000 companies, the report said.

There were 24 motor coach crashes last year, resulting in 34 fatalities and 467 injuries, according to an unofficial tally kept by Advocates for Highway and Auto Safety.

___

Follow Joan Lowy at http://www.Twitter.Com/ap_joan_lowy

___

Online:

Federal Motor Carrier Safety Administration: http://fmcsa.Dot.Gov

Associated Press

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