Saturday, June 30, 2012

Email Marketing Tip: Monetizing Your E-mail List and Building ...

In the video below, you?ll discover 5 easy-to-implement ideas you can use to keep in constant contact with your subscriber, build rapport, and monetize your list.

After watching the short video below, also remember to click the link below to register for the e-mail PPC platform beta.

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Sincerely,
Mike Schwenk
Associate Marketing Manager
Multiple Stream Media

PS ? Don?t forget: registering for the e-mail ppc beta is absolutely free. To see if you qualify, visit this link now.

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Source: http://www.multiplestreammktg.com/blog/email-marketing-tip-building-rapport-with-subscribers-details-on-new-e-mail-ppc-program/

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AIDS Housing President Retiring

PRESS RELEASE

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6/29/12

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STEPHEN WILLIAMS

314-535-1919 x 3052

SWILLIAMS@DOORWAYSHOUSING.ORG

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FOR IMMEDIATE RELEASE

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AIDS HOUSING PRESIDENT RETIRING

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Doorways Interfaith AIDS Housing today announced that Lynne M. Cooper, D.Min, one of its founders and its long-time President, will step down effective September 30, 2012.? She will continue to be available to the board of directors and management to help Doorways carry out its mission.? Dr. Cooper, a nationally recognized advocate for housing and supportive services for men, women and children affected by HIV/AIDS, has served as Doorways? chief executive officer since 1989.

The Doorways Board of Directors is soliciting applications and hopes to fill the position this year.? Joe Noelker will continue as executive vice president and, effective October 1, will be appointed acting president.?

In a statement posted on the Doorways website, Dr. Cooper said, ?Being a part of Doorways, really BEING Doorways, as so many of you say to me, has been the most satisfying, challenging and growth full professional experience of my life. For almost twenty five years, the clients, staff, partners and board members who have so graciously welcomed me into their presence have become my teachers, trusted colleagues, mentors and friends. I am grateful for every minute of it and equally enthusiastic about Doorways' future! I really look forward to helping when asked and staying out of the way when appropriate! Thank you for including me in this wonderful new chapter!?

In a statement issued on behalf of the clients, staff and board members of Doorways, Board Chair Chuck Miller said:

?In her nearly 25 years of service, Lynne has built Doorways into a national model of compassionate care for men, women and children affected by HIV/AIDS. Lynne?s passion and vision have been the heart of Doorways.? She is a shining inspiration to generations of clients, volunteers and funders here in St. Louis and across the country.? We stand on her shoulders.

During Lynne?s leadership, Doorways has brought over $100 million of competitive housing dollars to Missouri.? Doorways? housing and related service programs have benefitted more than 6,000 men, women and children for whom safe and secure housing represents health care, prevention and hope.? That?s 6,000 of our brothers and sisters who were empowered to feel safe

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and secure at home where they could dare to claim, and begin to build, stable lives of fulfillment for themselves and their families.? That is the Doorways promise, and that is the fact of Lynne?s legacy.

We?re grateful Lynne will be available to assist in this transition, and we look forward to additional announcements soon about opportunities to honor Lynne and thank her for her service. We owe an incredible debt of gratitude to the extraordinary service of our Executive Vice President, Joe Noelker.? He has provided strong and consistent leadership for our staff and clients during this period of transition.??

The Doorways Board of Directors is soliciting applications for the position in consultation with Collaborative Strategies, Inc.? John Russell, vice-chair of the board and chair of its transition and search committee, said, ?We value the firm foundation Lynne has constructed at Doorways.? We have no illusion that we will find another Lynne.? Our goal is to identify an outstanding individual who can help us build on Lynne?s work and take Doorways to a new level.?

Joe Noelker, an attorney, has been in corporate and private practice in St. Louis for more than 33 years.? He joined the Board of Directors?of Doorways two years ago and has been serving as Doorways' general counsel.??Joe was named executive vice-president last year. ?

Collaborative Strategies, Inc. (?CSI?) is a St. Louis-based management consultancy and executive search firm founded in 1983.? CSI specializes in helping the region?s entrepreneurial for-profit and not-for-profit organizations develop the right plans and the right leadership to reach the next level of achievement.? CSI will manage Doorways? executive search and assist its board in surfacing and evaluating prospective candidates.

Doorways is an interfaith non-profit organization that provides housing and related supportive services to improve quality of life and health outcomes for people affected by HIV/AIDS.? Through direct service delivery and the efforts of identified program partners, Doorways? programs and services annually benefit 1,000 households living with HIV/AIDS in the 15-county St. Louis metropolitan area, 62 under-served counties in outstate Missouri, and another 56 under-served counties in outstate Illinois.

For further information contact:? Stephen Williams 314-535-1919, ext. 3052.

Attached:? Lynne Cooper bio and picture.

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Lynne M. Cooper, D.Min.

Lynne Cooper?s interest in HIV/AIDS began during her pastoral care residency at Southern Baptist Hospital in New Orleans in 1985.? In 1988, she and others founded DOORWAYS, an Interfaith AIDS Residence Program to address the housing needs of people living with HIV/AIDS.? She became Executive Director in 1989 and President 1996.? DOORWAYS provides housing and care for 1000 households living with HIV/AIDS each year, has an annual operating budget of $6 million, and has brought over $100 million of competitive housing dollars to Missouri.

DOORWAYS has been recognized with numerous housing, historic preservation and best practice awards, including, HUD?s Gold Star for Community Partners and the Met Life Foundation?s Award for Excellence in Affordable Housing.

Dr. Cooper has served on numerous state and national boards including President Clinton?s Advisory Council on HIV/AIDS, the National AIDS Housing Coalition and the Missouri Children?s Trust Fund.? She has volunteered at The Women?s Safe House and assisted in the startup of The Community Wellness Project.? Dr. Cooper?s humanitarian work has reached many corners of the U.S. and several countries in Africa. She is currently spearheading the development of a birthing center in Gulu, Uganda.

Cooper is a member of the St. Louis Women?s Forum and Woman of Achievement. She was recognized as a Woman of Worth by the Older Women?s League, with the Administrator?s Citation from the Health Care Financing Administration, the Founders? Award from her Alma Mater, Fontbonne University, the Initiative Award from Africans United Against AIDS Globally, the Sandra T. Spiritas Red Ribbon Lifetime Achievement Award from the AIDS Foundation of St. Louis and the Distinguished Fair Housing Service Award from the St. Louis Civil Rights Enforcement Agency.

Dr. Cooper holds a Master?s degree from the University of Notre Dame and a Doctor of Ministry degree from Eden Seminary.

Source: http://interact.stltoday.com/pr/releases/PR06291203009553

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China main money rate up, market awaits next bank reserve cut

SHANGHAI | Fri Jun 29, 2012 2:45am EDT

SHANGHAI (Reuters) - China's main short-term lending rate rose 14 basis points on Friday as banks hoarded money to prepare for extra bank reserve payments due early next month while the market awaited a cut in bank reserve requirements.

The benchmark seven-day weighted-average bond repurchase rate rose to 4.1240 percent at midday from Thursday's close of 3.9832 percent.

The shortest overnight repo rate rose to 3.6038 percent from 3.5666 percent but tenors above 14-days fell on expectations that liquidity conditions may improve after July 5, traders said.

The market has recently suffered a liquidity crunch. It stemmed from the need by banks for more money to meet half-year regulatory requirements, such as loan-to-deposit ratios, and a large initial public offering that froze 31 billion yuan ($4.9 billion) from the market this week.

Also, Chinese banks are required to adjust their deposit reserves on the 5th, 15th and 25th of each month.

Traders said deposits recently have been rising sharply as banks are succeeding in attracting more savers to enhance their half-year financial statements. Higher deposits will increase the amount that banks must set aside as reserve payments on July 5, they said.

"Even major banks appear to have limited money to lend, keeping short-term funding costs at high levels," said a dealer at a Chinese commercial bank in Shanghai.

"But the central bank is acting to help the market, and the market expects it to cut bank reserve requirements in July," the dealer added.

WINDOW OPEN

The People's Bank of China (PBOC) injected a net 198 billion yuan into the market via regular open market operations this week, up sharply from a net injection of 55 billion yuan last week.

Facing a worse-than-expected economic slowdown, the PBOC has cut reserve requirement ratios (RRR) twice this year, in February and May, and it reduced benchmark interest rates once, in June.

The moves were made partly because the slowdown has hit capital inflows into China and reduced money supply in the system.

The PBOC said earlier this month that it and Chinese financial institutions bought a net 23.4 billion yuan worth of foreign exchange in May, following a net sale of 60.6 billion yuan in April.

Average monthly net forex purchases in the first five months of 2012 was just 50.7 billion yuan, down sharply from 2011's average of 231.6 billion yuan a month and the 2010's average of 272.4 billion yuan.

For about a decade, the PBOC's injection of base money into the system via its purchase of foreign currencies flowing into the country to keep the yuan stable was the single main source of base money supply in China's financial system.

The PBOC may await June's economic data, to be announced in mid-July, to decide the timing of another RRR cut, traders said.

"Judging from the acute liquidity shortfall in the market, an RRR cut in July appears to be inevitable, and the PBOC may just want to choose a right time," said a dealer at an Asian bank.

(Editing by Richard Borsuk)

Source: http://www.reuters.com/article/2012/06/29/us-markets-china-bonds-idUSBRE85S0BB20120629?feedType=RSS&feedName=businessNews

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MIAC has eight BSN Football Preseason All-America selections

ST. PAUL, Minn. -- With the 2011-12 spring sports season in the books, the Minnesota Intercollegiate Athletic Conference (MIAC) has turned its gaze towards the 2012 fall season. Monday, the first preseason honors of the new campaign were released, as eight MIAC football players were named Preseason All-Americans by Beyond Sports Network (BSN).
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BSN released its 2012 Preseason All-America teams for FCS, Division II, Division III and the NAIA. The Division III squad featured First, Second and Third teams and an Honorable Mention list. All eight MIAC selections were named to one of the top three squads, with two on the First, two on the second and four on the third team.
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St. Thomas offensive lineman Curtis James and Saint John's defensive back Bobby Fischer were the MIAC's two First Team selections. James is a senior for the defending-MIAC-champion Tommies, and Fischer returns as the Johnnies' senior leader on defense in 2012.
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Two of James' teammates - defensive lineman Riley Dombek and defensive back Chinni Oji - were both selected to the Second Team, while two more UST players - linebacker Harry Pitera and punter Garrett Maloney - were named to the Third Team. Joining them on the Third Team was Bethel offensive lineman Josh Wolfe and Concordia offensive lineman Tom Knowlton.
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The Beyond Sports Network honors student-athletes with its BSN Athletes of the Week and its BSN All-America teams. The Beyond Sports College Network is free for all college students, student-athletes, coaches and staff to join, and has been declared compliant by the NCAA since anyone associated with a college or university can join for free and student-athletes or award recipients do not receive any benefits.
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The 2012 MIAC football season will kick off on Sept. 1, with seven of the conferences' nine teams making their season debut in nonconference action. Conference games will begin Sept. 15, and the regular season will conclude with the final week of MIAC action on Nov. 10. The 2012 MIAC Football Preseason Coaches' Poll will be released in late August, with other preseason polls and honors scheduled for release throughout the coming months.

| BSN Preseason All-America Football Teams | 2012 MIAC Football Composite Schedule |

Source: http://miac-online.org/news/2012/6/26/FOOTBALL_0626125757.aspx

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Parents of webcam spying victim learned from trial

(AP) ? The parents of Tyler Clementi were ready to accept a plea deal calling for no jail time for their son's Rutgers University roommate, who used a webcam to see their son and another man kissing.

But what they learned at trial made them more convinced that the roommate, Dharun Ravi, deserved to be sent to prison.

Tyler's mother, Jane Clementi, said it was only during the trial in March that she learned her son had viewed Ravi's Twitter posts about the webcam dozens of times in the hours before Tyler killed himself in September 2010.

"I did not realize he was in on the joke," Jane Clementi said Friday in an interview with The Associated Press and two other news outlets.

She said that detail made her understand her son's pain more.

The case drew worldwide attention after Clementi's suicide in September 2010, just days after the spying, and made her late son into a symbol of the perils of mistreating young gays.

Jane Clementi, her husband Joe and a son, James, have resumed talking to the media this week to promote the foundation they formed in Tyler's honor. Except for some brief written statements through their lawyer, they had not talked with the media since before Ravi's trial.

He was convicted in March of all 15 criminal counts he faced, including bias intimidation and invasion of privacy.

He was released from jail June 19 after serving 20 days of a 30- day sentence imposed by a judge who could have given him up to 10 years in prison.

Ravi was not charged with causing Tyler Clementi's death, but Clementi's family believes his behavior was a factor, especially in light of the tweets.

One of them read, in part: "I saw him making out with a dude. Yay."

Clementi's parents say he told them he was gay just before leaving for college, three weeks before his death, and that he was ready to be out on campus.

They believe that learning about the webcam humiliated him and made him realize that being out as gay on campus would not be so easy.

His parents say that jumping off the George Washington Bridge was ultimately their son's own decision ? and a bad one.

In May, Ravi issued a statement in which he said he was sorry and was ready to serve his sentence. The Clementi's said they didn't see it as an apology, in part because it was not made directly to them. Still, Joe Clementi said, he expects to forgive Ravi, eventually.

The family is trying to figure out how to use the Tyler Clementi Foundation to teach responsible use of social media and increase acceptance of gays in schools, communities and even churches.

Jane Clementi said that until several years ago, when she realized her son James, now 26, was gay, she believed that homosexuality was a sin.

And she says that while she told Tyler she loved him after he came out to her, she believes she should have embraced that about him, not just tried to accept it.

"That needs to come off the sin list," Joe Clementi said.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/386c25518f464186bf7a2ac026580ce7/Article_2012-06-29-Rutgers%20Suicide/id-30b0d846a00b48fb89fe4e093db32e30

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Friday, June 29, 2012

Find Reliable Websites to get to know International Current News

To collect the news is very important now. We cannot live without getting update of the current news. The world is so little to us that the countries opposite to our globe are near to us like the neighboring families. So, we are so conscious about getting the news of all countries. We do not feel easy if we do not get the news of the other countries. Here media play an important role for delivering the new worldwide. In the previous days, we do not get news of the other world so easily. We do not get the news of own country also. All the impossible has been made possible by the grace of current media. That is the reason; to get international current news is not so hard to us.

The news might be anything about games and sports, political, economical, social, and cultural or any kind of disaster, the news of weather forecast etc.

We are now able to get the current news internationally as well as the news of our locale sitting in the arm chair in the house. The work has done made easy by the help of current electronic media such as TV, radio, internet websites, mobile phones, news papers etc. We are now able to get international current news as soon as the journalist reached the place of the event. The thing has gone a step ahead by the help of satellite camera. We can get the image of the event of the place where no man can reach just like a huge ignition, large fighting, hidden places of antisocial in a jungle etc. So, the current media is helping us a lot.

Newspaper also is a most popular and important media of getting international current news. But one problem is that it delivers the news of the previous day.

Otherwise, all over the world, news paper is a must media to all. Radio is also a great medium of getting the current news worldwide. Internet website also has been playing an important role in delivering the current news of the world. Now the world is so small to us that now any country in the world can continue the monopoly over the world. All kinds of news have been delivered by all media. So, to collect international current news is so easy today. Be connected with any of the medium you will get all current news happening worldwide.

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Source: http://news.ezinemark.com/find-reliable-websites-to-get-to-know-international-current-news-7d3772855ee2.html

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Thursday, June 28, 2012

Myanmar's Suu Kyi wins French backing for reforms

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Contest Winners: iBolt car docks and a Samsung Galaxy S III and accessories from Belkin!

Android Central Contest Winners

If you're a registered member here at Android Central then you know our forums always have a contest happening. And if you're not registered, well -- now is as good a time as any. This week's winners are as posted after the break, and if you were chosen watch your email as we'll be following up during the week. Stay tuned for more upcoming contests folks. Congrats to the winners!

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From PerAds

Knowing more about credit debt consolidation

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vance - Every Day Is A Healthy Day With These Wonderful Weight ...

by author on June 27, 2012 in lose belly fat

Try to find a low-calorie substitute of the foods you like the best. It?s not uncommon for someone to give their diet up because they are dealing with hunger pains, or because they?re unable to stay away from their favorite types of food. You can enjoy your favorite foods in lower-caloric versions and lose weight at the same time.

Eating while distracted is the key to weight gain. If you don?t pay attention to your diet, you will probably eat more than you intend. Therefore, you should keep track of the amount of food you are eating during every meal. This will help you ensure you don?t overeat.

Green vegetables are an integral component to add to your diet regimen. Green vegetables are filled with fibers, vitamins, minerals and nutrients. Some great greens include spinach, broccoli, green beans, asparagus, and kale. When you add these to your meal plans, you will see results.

Always have healthy snacks on hand. This can include nuts, cheese and veggies. These healthy choices are great for times when you are hungry for a snack and want to avoid junk food. It makes a quick and easy snack you can grab when you are on the go.

Reduce your alcohol intake as much as possible when trying to lose weight. It can be harder to lose weight if you drink a good bit of alcohol. Alcoholic beverages are usually loaded with empty calories. If you?re going to drink, try a low calorie version of the original.

To stick with losing weight more easily, you should figure out which types of physical activity makes you happy. This can help you burn the calories quicker, so you can eat more. If you can enjoy the activity, you won?t feel bad about it and consider it work; in turn, you will feel more motivated to keep going.

It is not hard to lose the weight. The first thing to do is cut certain foods from your diet. Replacing sugary sodas and juices with water or low calorie beverages is an essential step in controlling your weight. Sometimes, juices low in sugar are alright to consume, but sodas and soft drinks should not be consumed at all.

If you consistently find yourself at a loss, consider hiring a consultant or other nutritional or fitness professional to help you. Professionals can help people prepare their grocery lists, recipes, and more. This helps to reduce the extra effort involved in planning for a diet regimen.

While you are in weight loss mode, it is wise to purchase clothing at discount stores and thrift stores. This is because you want to avoid spending lots of money on clothing during your weight loss regimen that will soon be too big for you.

Taking pictures of yourself both before weight loss and during can help your progress. This can give you a glimpse into your progress or lack thereof during your regimen. Of course, this also makes it easier for you to share your progress with others.

An easy way to help lose weight is to reduce the size of the plate you use. Large plates can cause people to fill the plate to capacity and eat more than is necessary. Use a 9? plate for your dinnertime meal. Larger plates are simply too large for successful weight loss.

Be realistic when you?re setting a goal for losing weight. It is unrealistic to think that you would lose 50 pounds, for example, in less than six months. By creating realistic smaller goals, you will stay motivated as you meet each goal. You will not fail if you do not set yourself up to do so. Give yourself a weekly weight loss goal of around two pounds.

Investigate foods that are high in monounsaturated fatty acids, which have been shown to increase the success rate of healthy weight loss. MUFA means monosaturated fatty acids and this can be oils, butters and nuts because they?re counted in that group. In studies, MUFA foods increase the amount of weight you lose, and also increase your overall health as well. Use MUFA foods appropriately in your diet.

Instead of consuming large evening meals, try eating the large meals midday. If you normally eat a sandwich for lunch, change it up and eat it for supper, instead. Eating your largest meal for lunch will give you more calories when you need them. Calories consumed in the evening are less likely to be burned off.

One great exercise that promotes weight loss is climbing the stairs. As simple as it may seem, you are still burning calories that you would not have had you taken the elevator.

When you begin your diet, establish realistic goals. If your goal is not realistic, it won?t be met. You won?t succeed if you determine that you need to lose 20 pounds in a month?s time. Rather than setting unrealistic goals, set smaller attainable goals each week. Stop focusing on the big picture. Instead, you should be concerned with how much you lose every week.

Simple behaviors are easier to sustain to successful conclusions. Keep what you have learned here in mind, and practice these new skills. You will see this becoming effective in making you thinner pretty quickly. In a matter of weeks, you will have developed the healthy habits that are going to bring your to your ideal weight.

Find fat loss recipes, free fat loss ebooks and articles to help you in your goals to live a healthy life and get info on how to get a flat belly Stop dieting, start eating, and start living.


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June 27, 2012 | 1 Comment Posted in lose belly fat

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Building Trust within Your Customers for Any Internet Business | jcis ...

For every new niche business that you start, need to get them to trust you, which can be a challenge. You might want to have your business be completely anonymous. Internet marketers do this all the time. The key thing is to get them to trust you no matter what. Making this work, or influencing the process, can be done in a variety of ways. What your subscribers and site visitors are warming up to is something you can see. When you have this level of communication, your conversions with your links will definitely increase. What they?re looking for from you is solid value. This is what you need to provide for them each and everyday.

A person is more than likely trustworthy if you can see consistency in things that they do. It is all about their personality and behavior, not so much how they conduct their business online. There are many ways that you can exhibit this trait, especially as a business person. Your marketing messages are consistent in tone and the quality of information. You can make your reputation very positive by only promoting high-end products. Your website, and everything that you do on it, needs to be consistent and reliable at best. If you want to have a positive reputation, it?s all about being consistent and solid in the things that you do everyday. There is huge value to be had in getting relationship marketing right. This is such an effective strategy because it really delivers results. Marketing via email or on social marketing
come under this banner. Always remember that the success of these methods is in creating relationships. What helps to make this easier is that relationship marketing has a lot of common sense elements in it. There are specifics as they concern the platform you are using, though. This is just mechanics, though, as the relationship side of things still must come from you. While these things are quite simple to master, too many Internet marketers aren?t prepared to work on them. If your online business goal is to earn by establishing a website that has adult content inside then you must seek adult web hosting service provider to achieve this successfully.

You can find all kinds of successful marketers who are quite happy with feeling like they no longer have to talk to their audience. The old autoresponder series ? they think that this is all that they need to do. Sometimes they won?t even do that. They will send out an e-mail promo every now and then. Remember your roots and that it is your niche audience who put you where you are. People have more trust in those who they feel are real people. Try not to have an attitude with people. Being on the receiving end is never good either. If you are a likable person, people want to do business with you more and more.

In most cases, you will be able to build trust with your audience using these common sense strategies in the article. It is important that you implement the strategies in the proper manner. It is important to have your heart in the right place when you do this. If you don?t care about the quality of your content, for instance, then that is your decision.

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Wednesday, June 27, 2012

Fresh Water Tips For Keeping Your Discus Fish Healthy ? Pets

Discus breeding is among the preferred fish that people like to see in their aquariums. They are bring in colour and quite adaptive to folk and are always aware of things around them. They follow you around and you don?t have ask for anything more than clean and safe water. By learning on how to keep a cleaner water for your fresh water Discus you can give it a long life. They require just a little advanced care but do have unique environment. Below are some tips, which you have to keep in mind always:

Check the pH level

Tarnished water does as much damage as good for the fish. The natural habitat of Discus fish contains warm and acidic temperature. Therefore , before you put the fish in water check the pH balance of the water available in your neighborhood. It should be between 5 to 6.5. The correct way to test the water is after it's been standing for a minimum of 24 to 48 hours. You need to use a pH meter for this.

Avoid using treated water but try and duplicate the natural environment as closely as practicable.

Change the water continually

To keep the water fresh you have to change is continually. It is recommended that you change 15 to 20% of tank water every day. This is crucial in order to remove harmful toxins and waste from the water which can change the pH balance.

Timing

Discus fish like to follow a routine and aren't exceedingly comfortable with changes. So feeding and water change time has to fixed. The good time to modify the water is after the feeding time. This way you can get rid of waste and left over food. Also maintain a routine helps them adjust with the environment better.

Keep the tank clean

A clean tank will aid you in keeping the water clean. Keep the tank free from dangerous decorations which can harm the fish. Also gravel is an ideal hiding place for waste and harmful objects, so keep your aquarium free of gravel. Keep a watch on deposits and algae round the tank and keep it clean.

Water temperature

A touch warm temperature will keep Discus fish ecstatic. You can install a fluorescent light within the fish tank to maintain the water temperature to roughly 82 to 86 degrees. Employ a thermometer to test the water temperature frequently. When you change the water make sure that there is no great temperature variation.

It is important to keep clean and fresh water, or the fish can fall sick and even die.

Harry Koots is a professional Aquarius and he has been teaching people on how discus breeding is done succesfully.

Since it isn't a very simple fish to keep, and breeding them in aquariums is even tougher. Harry will teach you the way to keep this fresh water discus in an aquarium that is massive enough for them, giving them high quality food etcetera.

Related:

This Tends To Keep Your Canine Through Your Beloved Backyard Garden Along With Help Them To Enjoy Your Own Garden.

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Tags: discus breeding, fresh water discus

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Arizona Lease to Own Homes For Rent Homes Tempe | Real Estate ...

Tempe Rent To Own Lease Option Homes For Sale: This is a Newly Remodeled Home comes an upgraded kitchen features, plus new countertops, well kept home landscaping, a good home for first time home buyer. Call Us Now and Get Qualified for this Property for No Money Down to Move In and we help Fix Your Credit and Provide You with Financing.?


Call our Lease Option Specialist at 480.347.9242 to schedule an appointment to view the inside of this newly remodeled home.

To get qualified on our lease option programs please visit our website www.LeaseOptionHomesAZ.com and fill out our FREE APPLICATION


Lease Option Homes, No Money Down, Free Application - Register Now to Learn More
Select one of our Newly Remodeled Homes and Move in for No Money Down. We will Fix your Credit and Provide you FHA Financing. Don't Hesitate, start viewing the properties in our Inventory. All these properties are ready to move in Right Now. Our process is simple:

The 1st Step: Getting Pre-Qualified for our Program

Simply go to www.LeaseOptionHomesAZ.com and fill out a FREE APPLICATION.
We do not have a credit score requirement; blemished credit is acceptable.

It is a FIRST COME ? FIRST SERVE on our available properties so we HIGHLY recommend you fill out a FREE application now.

When you go through the pre-approval process, we ask all general questions as if you were to apply for a mortgage but BETTER because we help repair your credit of the items preventing you from buying a home now.

Items we consider for Pre-Approval:

Application:

1. Employment ? Stable and secure employment for the past 1 to 2 years.

2. Income and Debt ? Verify income of approximately $2,500 - $3,500 per month, depending upon the amount of debt.

3. Rental History ? Verify good standing and NO EVICTION/RENTAL COLLECTIONS.

Credit Report:

1. Your credit score is not considered for approval in our program; in fact, WE DO NOT CARE WHAT YOU HAVE FOR A CREDIT SCORE! We know that your credit score will increase by removing the negative credit reporting when you join our program.

2. We determine how long we believe you will need credit repair service; 1 month, 2 months, 3 months etc. Remember our Lease Option Program is designed to turn you into a homeowner with the help of our credit repair and guidance in approximately 18 - 24 months.

3. We pay close attention to the negative reporting to determine the time it takes to repair credit. We consider the when the item was reported, the balance, and the collector/creditor to gauge the success of the credit repair.

Once we receive your application one of our lease option representatives will contact you to review your application within 24-48 business hours. We will have a decision within 72 hours assuming we have all the information & requested items.

The 2nd Step: Finding the Home of your Dreams

Once you have been pre-qualified:

? Go to www.LeaseOptionHomesAZ.com

? Click on ?AVAILABLE PROPERTIES?

These are newly remodeled; move-in ready homes that do not require money down or security deposits. Just the first month?s rent is due upfront.

The 3rd Step: Getting Pre-Approved

Now that you have chosen a home, we would submit an offer to the property owner for approval. Upon acceptance, you sign the lease option agreement for the term that it will take for your credit to be repaired and you to save the down payment.

Find a property you like, call us at our office 480.347.9242, answer a few of our questions and you will be on your way to home ownership. We are called the One-Stop-Shop because we provide all the services necessary for you to become a home owner.

Call our Lease Option Specialist at 480.347.9242 to schedule an appointment to view the inside of one of our newly remodeled homes.

Disclosure: Prices listed are for 12 - 18 month terms and if you require additional time prices/terms subject to change. Please contact your agent for details

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Stay Crossfit By Finding Cardio Workouts That You Enjoy | The Daily ...

Running is one of the most tedious exercises in many people?s opinion. Having to get out in the heat and natural element will shy people away, while others care more about their hair cut. Running is included in every major form of training. To be competitive you must be able to endure and tough out all four quarter, not just the first three. Even if you are an average working person just looking to cut some pounds, there is no workout out there that will give you quicker results than getting out and running or jogging. There are many different ways to get your cardio in each day, and if running just isn?t enough for you, then try considering cardio based exercises that you would like more.

Cardio training involves any activity that requires the use of the large muscle groups of the body in a regular and uninterrupted manner. It elevates the heart rate between 60 to 85 percent of the fastest heart rate you could get. Some of the usual cardio training activities are walking, jogging, running, aerobics, cycling, tae bo, swimming and rowing. Cardio training is considered an aerobic exercise as one is required to move from one exercise to another.

You may improve your health and have a physically fit body by getting into boxing training fitness programs. This is the best way for you to have a stronger body and gain confidence. Boxing workouts can help you to be at your best fighting form as well. Many people see positive results from boxing trainings. You may build stronger and more defined arms and legs. These programs and classes also help you to gain a sense of inner strength and emotional balance. Boxing training classes got across to the mainstream of physical fitness training a few years back. They have seen the benefits on the cardiovascular and toning of the muscles by these boxing training workouts. Tae-Bo work out videos also popularized these boxing and kickboxing exercises.

Cardio boxing training classes and the innovative variations of the sparring jabs, power punches, defense, and fitness has all blends of aerobics exercises. You will learn the proper execution of the punch and kick combinations for a more intensive work out that can help you become stronger and more confident. The combinations you perform on the blocks, jabs, and kicks are executed to an imagined opponent. You may see classes where participants throw punches and kicks on the air. You will also find training camps that have quality equipment such as punching bags and you may also have the option of getting a partner that has padded hands. These workouts also enable your joint movements to build very efficient fitness results.

If you have a Crossfit Tampa trainer, then I?m sure you are not shy to getting your cardio in each workout of the day. The more you keep cardio exercises in your training programs, the more you will find them more enjoyable. Being fit and healthy is the in thing. Actually, it really never goes out of style. That body is the most valuable asset you could have in your lifetime. Thus it is important that you take good care of it. Give it the proper attention it needs.

Exercise Articles ? Sooper Articles

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  5. Fitness After 40: How to Stay Strong at Any Age Fitness After 40: How to Stay Strong at Any Age After we reach a certain age, our bodies change. But growing older doesn?t have to diminish our fitness level. The...

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Biden in 2007: Executive privilege only covers communications ...

**Written by Doug Powers

It appears unlikely that Biden?s boss will send him a follow up ?well said, Joe? Tweet for this blast from the recent past:

Biden was responding to a question posed by the Boston Globe, which asked Biden, ?Does executive privilege cover testimony or documents about decision-making within the executive branch not involving confidential advice communicated to the president himself??

Biden delivered an unqualified response.

?The executive privilege only covers communications between the president and his advisors,? Biden said in a Boston Globe interview published in Dec. 20, 2007. ?Even when the privilege does apply, it is not absolute; it may be outweighed by the public?s interest in the fair administration of justice.?

Biden, then serving as a U.S. senator from Delaware and seeking the Democratic presidential nomination, was speaking about President Bush and the issues of warrantless surveillance and interrogation of terror suspects in his interview with the Globe.

Biden said that in the same year then-Senator Obama knocked the Bush administration for trying to ?hide behind executive privilege.?

Tomorrow, Biden visits Waterloo. Insert your own campaign metaphor joke here.

**Written by Doug Powers

Twitter @ThePowersThatBe

~ For the latest breaking news, be sure to join Michelle's e-mail list ~

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Free Pets to Good Home ? Blog Archive ? Don't Allow Your Pet ...

You?ll want to analysis several training variations and discover which of them work best for ones distinct pet dog. Promptly replace it using one of their designated munch toys. You want your puppy to find yourself in your routine the place this individual know?s it really is arriving and is enthusiastic for this.

He may correlate endeavoring to do the task along with negative thoughts and will stop the endeavor perhaps more challenging when. When you?re education your pet dog, it is vital that due to use actual physical punishment as soon as the dog acts badly or maybe erroneously. Pretend to leave the house , nevertheless keep external before the singapore postal codes list woofing will begin. Canine owners should learn to be handled by their particular house animals. If you can, placement your dog?s dog crate near to sleep. Pet dogs sometimes make some mistakes since they are unable to accomplish normally. All you have to do is hold saying this orders you desire them to learn repeatedly and in the end they will get it.

The body language can be a instrument to assist you when you start out training your dog. While cage dog training, keep a kennel in the vicinity of in which you along with the canine are usually interacting. When you?re teaching your dog and also developing the management part, try not to be damaging for you to making your dog riff your self on the eye. Your dog?s conduct while in guides really should become behavior by way of consistency.

Most dogs will be wildlife associated with behavior. Utilizing imprecise requires just like ?no? are generally investment unproductive. Their particular natural desire will in the end bypass the anxiety. Really don?t interact with your canine when you are aggravated or maybe mad.

Employ constructive support by means of praise bogus and goodies to be able to reward your puppy each and every time your dog listens. Even though it will take longer, you are able to even now achieve a number of accomplishment. Do not employ the label in a penalties in order that means if a thing beneficial comes about they are of these name as a great thing, beneficial.

The dog will spot a person as being a correct head if you continue. Whilst training your dog by using a leash, make sure that you are generally trying to keep the collar warm, nonetheless a little bit free. Losing the actual appointed date by even just a couple of minutes may lead to a major accident for the more youthful pet and also for that elderly just one. If you find yourself training your dog, take the time to view precisely how he reacts in order to codes, advantages whilst your tendencies.

Ensure that your pet expires in addition to active normally. Really don?t offer your canine a command unless you are happy to follow through and also ensure your dog minds in which order.

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Teen lesbian couple shot in Texas park

Police are investigating the shooting of two teenage girls in a small Texas community along the Gulf of Mexico. KRIS reporter Lindsay Curtis has the story.

By Miranda Leitsinger, msnbc.com

Two teenage girls in a relationship were found with gunshot wounds to the head in a south Texas park, with one of them dying from her injuries, media reports say. Police were searching for their assailants.

Mollie Judith Olgin, 19, and Mary Christine Chapa, 18, were found in knee-deep grass in a nature area in Portland by a couple Saturday, said Portland Police Chief Randy Wright, who confirmed to msnbc.com details first reported by the Corpus Christi Caller Times.


Olgin, originally from Ingleside but recently living in Corpus Christi, died; Chapa, of Sinton, was rushed to a hospital where she had surgery and was in serious but stable condition on Sunday, local NBC affiliate kristv.com reported. Wright said Chapa was still in the hospital on Monday.

Friends told kristv.com that the girls had been together five months. Wright said he didn?t have any information about their relationship, noting that ?we understood from their friends that they were (in a romantic relationship). I know from ? Mollie?s parents that they were very close.?

When asked if police had been able to determine if the girls' sexuality played any role in the shootings, Wright told msnbc.com: ?That?s always something that we?re looking for, but as of this point, we have not been able to establish that that had anything to do with the attack.?

He said they had been in communication with Chapa. He noted all indications were that ?third parties? were involved in the assault.

?If we had a name, you know, we?d be having a different conversation right now. But we have not been able to gather enough information to identify a suspect yet,? he said. ?It appears as if ? this was not just a random attack but that?s something that we really have to develop over time.?

Wright said police had recovered a bullet casing from a large-caliber gun at the scene, but they haven?t found the weapon. A resident living nearby reported hearing two loud bangs Friday before midnight but believed?they were?from firecrackers, the newspaper said.

The park, more of nature area with some parts overgrown and no lights, was generally frequented by visitors during the day. It is located along a bluff overlooking a bay, Wright said, with some homes situated nearby.

?We?re not really sure how they got to the point that they were found,? he said of the girls. ?It is a scenic overlook with a wooden deck and there is a place at the edge of the deck where you can actually go down a very steep incline into a grassy area that leads down to the shoreline and that?s where they found.?

Friends of the girls gathered at a local high school on Sunday. Olgin's roommate, Samantha Garrett, told kristv.com that the fun-loving couple hadn?t gotten any negative responses to their relationship and could not think of why anyone would want to harm them.

The crime rate is low in Portland, a bedroom community of Corpus Christi on the Gulf of Mexico, Wright said. The last homicide occurred two years ago.

More content from msnbc.com and NBC News:

Follow US News on msnbc.com on Twitter and Facebook

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Video: Is Murdoch Losing His Grip on News Corp?

Sorry, Readability was unable to parse this page for content.

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Tuesday, June 26, 2012

Mini Must-Have: Romeo Beckham?s Striped Top

But while we were busy soaking up the father-son smiles, we also noticed how cute the 9?-year-old looked in his (super rare!) dressed-down striped shirt.

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Monday, June 25, 2012

Sandusky lawyers may use TV tape error in appeal

(Reuters) - Lawyers for Jerry Sandusky sought a mistrial before his conviction for child sex abuse on the grounds that prosecutors showed jurors an inaccurate version of a bombshell NBC News interview with the former football coach, and the mistake may now form part of the basis for an appeal.

In response to a subpoena, NBC News turned over three versions of Bob Costas' NBC News interview with Sandusky, which aired last November on different NBC shows.

One of those versions, which was broadcast on the 'Today' show, contained an erroneous repetition of a key question and answer - about whether Sandusky was sexually attracted to young boys, Nils Frederiksen, a spokesman for the Pennsylvania attorney general said on Sunday.

The repetition, Sandusky's lawyers contend, made it appear to jurors that he was stonewalling.

"It wasn't noticed by (NBC News), it wasn't noticed by us, but it became obvious when it played in court," Frederiksen told Reuters.

NBC News spokeswoman Amy Lynn confirmed this account on Sunday.

SANDUSKY FACES 400-YEAR SENTENCE

On Friday, a jury in Bellefonte, Pennsylvania, convicted Sandusky, a former Penn State assistant football coach, of 45 counts of child sex abuse and child endangerment. Sandusky, 68, is expected to be sentenced to more than 400 years in prison.

Sandusky attorney Joe Amendola said NBC's error would form part of the basis for an appeal. "Oh my goodness, yes," he said, when asked about whether it could be used in an appeal.

The mistrial request was denied by Judge John Cleland, who sought to remedy the situation by providing the jury with an accurate transcript of the exchange, another Sandusky attorney Karl Rominger said.

It's the second time in a matter of months that an error in a ?Today' show broadcast has put the morning program at the center of a national criminal trial. In April, 'Today' aired a misleadingly edited phone call between the police and the man who shot Florida teenager Trayvon Martin.

The Sandusky case has rocked the world of U.S. elite college sports and led to the firing of the university's president and Joe Paterno, a College Football Hall of Fame member who won more games as head coach than any other Division I coach. Paterno died of lung cancer in January, five months to the day before the verdict against his long-time assistant was handed down.

Amendola said another basis for a future appeal could be a request he and Rominger made to resign from the case at the start of jury selection because the lawyers didn't feel they were given enough time between their client's arrest in November and the June trial date. He said the request was denied by Judge Cleland.

UNDERAGE BOYS

In the Sandusky interview with NBC, Costas asks, "Are you sexually attracted to young boys, to underage boys?" according to an NBC News transcript.

Sandusky responded, "Am I sexually attracted to underage boys?"

But in the "Today" version, which was played for jurors and is still available on YouTube (http://www.youtube.com/watch?v=sb49dXT_44M), the exchange was repeated.

The interview was originally aired correctly on NBC News' new magazine show, ?Rock Center' on November 14. The erroneous version that repeated the exchange aired the following morning on ?Today.'

In a statement, NBC's Lynn said: "Under subpoena, NBC News turned over three versions of the Costas interview to prosecutors, including the 'Today' version with the error in it. Prosecutors used the 'Today' version, not realizing it included a technical glitch, and played it for the jury.

"After court that day, NBC News executives had a series of discussion with the prosecutors, and after some internal investigation were able to determine that the glitch originated on 'Today.' NBC News executives explained the situation to the court, and Judge Cleland sought to remedy the situation by giving the jury instructions to regard only a transcript of the full interview that was subsequently provided to them, not any audio that was played for them by prosecutors."

"EMBARRASSING"

A source on the prosecution team acknowledged that prosecutors played the ?Today' version, which contained the error, without reviewing it carefully beforehand.

"Was it embarrassing?" the source asked. "It was certainly embarrassing. Was it a mistake? It was clearly a mistake." The source also said NBC News executives expressed regret to the court.

"Did they say, ?I'm sorry?' I can't recall those exact words,'' the source said. "Were they apologetic? Yes."

In the incident in April, ?Today' aired a misleadingly edited tape of a call to police from George Zimmerman, the neighborhood watch volunteer who shot Trayvon Martin. That edit made it appear that Zimmerman told police that Martin was black without being prompted. In fact, Zimmerman did so only when responding to a question posed by a dispatcher.

Several ?Today' staffers were disciplined over that incident, NBC News president Steve Capus said at the time. Network sources told Reuters a Miami-based ?Today' producer was fired.

NBC is majority-owned by Comcast Corp.

(Reporting by Chris Fracescani in New York; Editing by Martin Howell and David Brunnstrom)

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Sunday, June 24, 2012

HBT: Red Sox deal Youkilis to White Sox

The White Sox announced after Sunday?s game that they?ve acquired Kevin Youkilis from Boston in exchange for?right-hander Zach Stewart and utilityman Brent Lillibridge.

The Red Sox are also sending $5.5 million in cash to help cover Youkilis? salary, according to FOXSports.com?s Ken Rosenthal.

?I just got off the phone with him, he?s very excited to join our club and he?s got a little edge to him that I like,? White Sox GM Kenny Williams said. ?I can?t tell you exactly what he said, but he wants to come in and prove some people wrong.?

Youkilis will take over at the hot corner for the White Sox. Brent Morel, who opened the season with the job, is out with a back injury and there is no timetable for his return. He was struggling mightily anyway, and he?ll likely be optioned to Triple-A once healthy.

The Red Sox are now committed to Will Middlebrooks at third, and they?ll see if Stewart and Lillibridge can help in lesser roles. Stewart, 25, had a 6.00 ERA in one start and 17 relief appearances for the White Sox this season. He?s to join the rotation at Triple-A Pawtucket for now. Extremely homer-prone up to this point of his major league career ? he?s allowed 21 in 97 1/3 innings ? he figures to benefit from getting out of U.S. Cellular Park. While Fenway is still a hitter?s park, it?s not a home run park.

Lillibridge was outstanding in his bit role last year, hitting .258/.340/.505 with 13 homers in 186 at-bats. This year, he?s returned to previous form, with a .175 average, no homers and 26 strikeouts in 63 at-bats. On the plus side, he?s a good defensive outfielder, and he?s capable of playing anywhere in the infield, though he?s well below average at second base and short.

Youkilis, who was drafted by Boston back in 2001, went 2-for-4 with an RBI triple Sunday in his final game for the Red Sox. He?s hitting .233/.317/.377 in 146 at-bats this season.

?

Read more: Directionless Red Sox hope for addition by subtraction

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One of the most profitable working from home opportunities is affiliate marketing. As an affiliate marketer you are required to promote products for merchants and in return you get paid a commission for every successful sale made. There are many legitimate affiliate marketing programs which you can join and start a profitable business from your home. Most affiliate programs provide necessary training to the affiliate marketers to equip them with all the relevant information they need to promote products.

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Schilling: Company crash cost me baseball fortune



FILE - In this Wednesday, May 16, 2012, file photo, former Boston Red Sox pitcher Curt Schilling, center, is followed by members of the media as he departs the Rhode Island Economic Development Corporation headquarters, in Providence, R.I. Schilling says the collapse of his 38 Studios video game company has probably cost him his entire baseball fortune, and he put part of the blame on Rhode Island Gov. Lincoln Chafee. Schilling said during an interview on WEEI-FM in Providence Friday, June 22, 2012, that he put more than $50 million of his own money in the company and that the money he made playing baseball is ?probably all gone.? (AP Photo/Steven Senne, File)

Buy Photo AP

Published: Friday, June 22, 2012 at 11:34 p.m.
Last Modified: Friday, June 22, 2012 at 11:34 p.m.

PROVIDENCE, R.I. (AP) ? Former Boston Red Sox pitcher Curt Schilling said Friday that the collapse of his 38 Studios video game company has probably cost him his entire baseball fortune, and he placed part of the blame on Rhode Island officials, including Gov. Lincoln Chafee.

Schilling said during a 90-minute interview on WEEI-FM in Boston that he put more than $50 million of his own money in the company and that he's had to tell his family that "the money I saved during baseball was probably all gone."

Schilling said he hopes to return to work soon as an analyst for ESPN. He took a leave of absence from the network after 38 Studios filed for bankruptcy protection on June 7. The firm was lured to Providence from Massachusetts in 2010 after Rhode Island offered a $75 million loan guarantee. The state is working to determine how much it's on the hook for after the company's collapse.

While he conceded that he "absolutely" was part of the reason the company failed, he said public comments made by Chafee last month questioning the firm's solvency were harmful as the firm tried ? but failed ? to raise private capital to stay afloat.

"I think he had an agenda," Schilling said about Chafee.

Chafee vocally opposed the state's loan guarantee to 38 Studios when he was running for governor in 2010. But after it was a done deal, he was the company's "biggest cheerleader," Chafee spokeswoman Christine Hunsinger said Friday.

"The success of 38 Studios would have meant success for Rhode Island through the contribution a company makes to the overall economy," she said in a statement. "There is no victory in the failure of 38 Studios. People have lost their jobs and Rhode Island taxpayers are now potentially responsible for the repayment of tens of millions of dollars."

Schilling also accused Chafee of failing to work with an investor who was willing to put $15 million to $20 million into the company to help it succeed. He said the investor walked away because of Chafee's inaction.

38 Studios laid off its entire workforce ? nearly 300 employees in Providence and more in Maryland ? last month. That move came after it was more than two weeks late on a $1.1 million payment to the state; officials have said that was the first indication the company was in financial trouble.

The firm had sought millions of dollars in tax credits from Rhode Island as it struggled to stay afloat, but Schilling said Friday that he wasn't looking for a bailout.

State and federal authorities, meanwhile, are investigating 38 Studios' finances. Citizens Bank also has sued Schilling to recover $2.4 million in loans it made to 38 Studios.

Schilling, who also pitched for Baltimore, Houston, Philadelphia and Arizona, won the World Series three times and is perhaps best remembered for pitching Game 6 of the 2004 American League Championship Series with an injured ankle that stained his sock with blood.

Schilling said he hasn't done anything wrong. He said he never took any money from the company, not even a salary. He said the company was close to succeeding but just couldn't raise enough private capital. He also said he never intended to hurt the firm's workers.

"It's been kind of a surreal 60 days or 65 days," Schilling said. "It's crushing and devastating to see it fail the way it did."

Schilling was asked how the company's collapse has affected him personally.

"I don't know. ... It's not over yet," he said. "I would imagine the next foreseeable time in our lives is going to be consumed by this. It's a life-changing thing."

But he added, "I'm not asking for sympathy. It was my choice."

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Analysis: Goldman judge cuts Wells notice disclosure burden

(Reuters) - A federal judge's decision that otherwise went against Goldman Sachs Group Inc has made it easier for companies to defeat shareholder claims that litigation threatened by the U.S. Securities and Exchange Commission should be disclosed.

U.S. District Judge Paul Crotty in Manhattan said Goldman could not be sued under federal law for securities fraud for failing to disclose it had received a Wells notice from the SEC, though news of a notice often causes a negative market reaction.

The case related to Goldman's alleged failure to disclose conflicts of interest in its sale of risky collateralized debt obligations such as Abacus 2007 AC-1, which led to a $550 million settlement between the bank and the SEC.

A Wells notice shows that SEC staff intend to recommend civil charges and lets a recipient mount a defense. But it is SEC commissioners themselves who decide whether to bring a case.

"At best, a Wells notice indicates not litigation, but only the desire of the enforcement staff to move forward," Crotty wrote. "When the regulatory investigation matures to the point where litigation is apparent and substantially certain to occur, then ... disclosure is mandated."

Goldman got its Wells notice in July 2009, but that was not revealed until the SEC accused it of fraud the following April. Two employees, Fabrice Tourre and Jonathan Egol, also got Wells notices, and the SEC eventually charged Tourre with fraud.

Peter Henning, a law professor at Wayne State University, said Crotty's decision is the first to conclude that receipt of a Wells notice does not trigger an automatic disclosure obligation, including for companies that like Goldman may have earlier made general disclosures about regulatory probes.

"The tension is that investors want to know everything, and companies want to reveal nothing," Henning said. "Judge Crotty's decision pushes the trigger point for when disclosure is required to a later date. That's good for companies. From an investor transparency point of view, this is not helpful."

A 2009 study by Cornerstone Research found that 17 of 58 Wells notice disclosures from April 2002 to January 2007 triggered large stock price declines. It also found that these 58 announcements, when analyzed collectively, triggered statistically significant stock price declines.

MARKET MOVING, BUT NOT DISCLOSABLE

Goldman shares fell 12.8 percent on April 16, 2010 when the SEC announced its civil fraud lawsuit over Abacus, wiping out more than $12 billion of the Wall Street bank's market value.

By the end of June, after more details had emerged about Goldman's CDO, the shares had fallen nearly 29 percent.

Another U.S. regulator, the Financial Industry Regulatory Authority, in November 2010 fined Goldman $650,000 for failing to reveal the Wells notices that Tourre and Egol had received.

In his decision, Crotty did let the Goldman shareholders pursue claims that the bank failed to disclose it had bet against some CDO it was selling, and let billionaire hedge fund manager John Paulson bet against securities he chose for Abacus.

Still, the judge said that while companies have a duty to make "accurate and complete" disclosures, this did not mean they needed to disclose everything, but rather enough such that what was revealed "would not be so incomplete as to mislead."

He explained: "A corporation is not required to disclose a fact merely because a reasonable investor would very much like to know that fact."

Robert Daines, a professor and governance specialist at Stanford Law School, said the judge tied his holding close to the facts of the case, making the broader impact unclear.

"Because a Wells notice is issued before the SEC knows much about the case, the notice may or may not turn out to be important," he said, "and so the SEC has long taken the position that a Wells notice may or may not be material information."

Henning said Crotty's decision could prompt an SEC review of Regulation S-K, which sets out reporting requirements for public companies. But he also said greater disclosure obligations could backfire on the agency by forcing more disputes into the open.

"A Wells notice serves a purpose for the SEC, to prod companies to settle," he said. "But if it is something companies must disclose immediately, the SEC may become more reluctant to issue a notice, and that could reduce its flexibility."

SEC spokesman John Nester declined to comment.

The Tourre case remains unresolved. Egol was not charged.

The case is Richman v. Goldman Sachs Group Inc, U.S. District Court, Southern District of New York, No. 10-03461.

(Reporting By Jonathan Stempel in New York; Editing by Phil Berlowitz)

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