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	<pubDate>Wed, 10 Mar 2010 01:36:19 +0000</pubDate>
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		<title>Costs Of Tainted Food Illnesses On the Rise</title>
		<link>http://www.stateofcreativity.org/costs-of-tainted-food-illnesses-on-the-rise/healthcare/nutrition/2010/03/</link>
		<comments>http://www.stateofcreativity.org/costs-of-tainted-food-illnesses-on-the-rise/healthcare/nutrition/2010/03/#comments</comments>
		<pubDate>Wed, 10 Mar 2010 01:36:19 +0000</pubDate>
		<dc:creator>Creativity Writer</dc:creator>
		
		<category><![CDATA[Nutrition]]></category>

		<category><![CDATA[baby announcements]]></category>

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		<guid isPermaLink="false">http://www.stateofcreativity.org/?p=430</guid>
		<description><![CDATA[
Source: CNN
The term &#8220;foodborne illness&#8221; was coined over the past few decades. Yet humans have been infected by cryptic-sounding pathogens like Campylobacter jejuni, Escherichia coli O157, Listeria monocytogenes, and Cyclospora cayetanensis for centuries and beyond.
&#8220;The first description that we have of symptoms associated E. coli 0157 infection goes all the way back to the Bible,&#8221; [...]]]></description>
			<content:encoded><![CDATA[<p style="15pt;"><strong><span style="10pt;"><a href="http://www.stateofcreativity.org/wp-content/uploads/2010/03/apples.jpg"><img class="alignleft size-full wp-image-431" src="http://www.stateofcreativity.org/wp-content/uploads/2010/03/apples.jpg" alt="" width="350" height="263" /></a></span></strong></p>
<p style="15pt;"><strong><span style="10pt;">Source: CNN<br />
</span></strong><span style="10pt;">The term &#8220;foodborne illness&#8221; was coined over the past few decades. Yet humans have been infected by cryptic-sounding pathogens like Campylobacter jejuni, Escherichia coli O157, Listeria monocytogenes, and Cyclospora cayetanensis for centuries and beyond.</span></p>
<p style="15pt;"><span style="10pt;">&#8220;The first description that we have of symptoms associated E. coli 0157 infection goes all the way back to the Bible,&#8221; said Mansour Samadpour, a microbiologist and food scientist at the University of Washington. &#8220;These are not new bacteria by any stretch of the imagination. What is new is our proclivity for quantifying how we co-exist with these gnarly pathogens.</span></p>
<p style="15pt;"><span style="10pt;">A new report by the Produce Safety Project at Georgetown University estimates that the health-related cost of foodborne illness in the U.S. at $152 billion per year (see state by state breakdown from the group Make Our Food Safe <strong><span style="&quot;Arial&quot;,&quot;sans-serif&quot;;"><a href="http://www.makeourfoodsafe.org/cost_map" target="_blank">here</a></span></strong>).</span></p>
<p style="15pt;"><span style="10pt;"> As it turns out, $152 billion is nothing to scoff at.</span></p>
<p style="15pt;"><span style="10pt;">&#8220;This is a problem,&#8221; said Robert L. Scharff, the study&#8217;s author and former economist with the Food and Drug Administration.</span></p>
<p style="15pt;"><span style="10pt;">The gravity of the problem begins to sink in when it is compared to previous cost estimates of foodborne illness, which ranged from $6.5 to $35 billion per year, according to government data compiled by the University of Georgia Center for Food Safety.</span></p>
<p style="15pt;"><span style="10pt;">This new report casts a wider net. It includes obvious things like the financial cost of medical care, loss of life and missed workdays; also less-tangible costs like pain and suffering, and costs to others in society.</span></p>
<p style="15pt;"><strong><span style="10pt;">Hidden Costs<br />
</span></strong><span style="10pt;">The vast majority of experts in the field, including qualified </span><span style="10pt;"><a href="http://www.thecompliancedoctor.com/">healthcare accreditation consultants</a> , have long-argued for a better food safety system to help cut down on preventable foodborn illnesses.<span style="yes;">  </span>But all the <a href="http://www.thecompliancedoctor.com/HME-license">home medical equipment accreditation </a>in the world couldn’t do much to prevent you from picking up something from the food you eat in restaurants or elsewhere.<strong><span style="black;"></span></strong></span></p>
<p style="15pt;"><span style="10pt;">The Make Our Food Safe Coalition - a group of ten public health and consumer organizations - considers this new report fodder for more stringent food safety laws.</span></p>
<p style="15pt;"><span style="10pt;">According to the group: &#8220;Continued outbreaks of foodborne illness over the last several years - from spinach to peppers to peanut products - have demonstrated that these outbreaks are not random, unpreventable occurrences, but are due to widespread problems with our food-safety system.&#8221;</span></p>
<p style="15pt;"><span style="10pt;">For a scientist like Scharff, the numbers are a tool, a remedy of sorts.</span></p>
<p style="15pt;"><span style="10pt;">&#8220;The value of these numbers is to look at what type of benefits we can attain if we prevent these illnesses,&#8221; said Scharff, currently an assistant professor in the Department of Consumer Sciences at Ohio State University. &#8220;If we invest $10 billion in a program that reduces illness by 10 percent, then cost savings to society would be $15 billion, so that would pass a cost benefit test.&#8221;</span></p>
<p style="15pt;"><span style="10pt;">The numbers most people care about: 76 million cases of foodborne illness each year, resulting in 325,000 hospitalizations and 5,000 deaths, according to the Centers for Disease Control and Prevention.</span></p>
<p style="15pt;"><span style="10pt;">Numbers do not lie, and what they suggest is that foodborne illness is an ongoing problem.</span></p>
<p><span style="10pt;"></span></p>
<p class="MsoNormal" style="0in 0in 0pt;" align="center"><strong><span style="10pt;">______________________________________</span></strong></p>
<p class="MsoNormal" style="0in 0in 0pt;"><strong><span style="10pt;"> </span></strong></p>
<p class="MsoNormal" style="0in 0in 0pt;"><strong><span style="10pt;">My Take:</span></strong><span style="10pt;"> <span style="yes;"> </span>Consider this announcement among one more to add to the growing list of reasons for creating your own vegetable garden at home and going vegetarian, if possible.<span style="yes;">  </span>The rapid-fire way in which our food is processed, packaged and delivered to your local market is enough to make you wonder.<span style="yes;">  </span>But what happens inside those food packing plants stays inside food packing plants for the most part, and we often take our lives into our own hands when we buy certain types of foods, especially fresh vegetables that are packaged for the supermarket chains.<span style="yes;">  </span></span></p>
<p class="MsoNormal" style="0in 0in 0pt;"><span style="10pt;"> </span></p>
<p class="MsoNormal" style="0in 0in 0pt;"><span style="10pt;">If you live in Pennsylvania and get <span style="yes;"> </span>your meat over the border in Maryland, who do you answer to when you find out you’ve bought tainted meat?<span style="yes;">  </span>You’re better off with a <a href="http://www.ykacrim.com/">Montgomery County PA criminal lawyer</a> to help you go up against the big supermarket chains, because they are well-armed against big lawsuits.<span style="yes;">  </span>It isn’t the same as when you try to <a href="http://www.junkthecar.com/">sell junk cars</a>, or make <a href="http://www.lilsweetprince.com/">custom birth announcements</a>.<span style="yes;">  </span>This is the food we eat and the risks can be life-threatening if we are not careful about what we eat, who makes it and how it’s handled along the way. <span style="yes;"> </span>If you do want to <a href="http://www.junkthecar.com/">junk a car</a> you might consider calling the local Salvation Army and donate it.<span style="yes;">  </span>The proceeds are used to cover many localized charitable organizations who care for the indigent and mothers in need, some of whom can barely afford formula and clothes, let alone fancy <a href="http://www.lilsweetprince.com/">baby announcements</a>.</span></p>
<p><span style="10pt;">Speaking of Pennsylvania, if you are in the state and you need to find a reputable <a href="http://www.ykacrim.com/juvenile-attorney.html">Montgomery County PA juvenile law attorney</a>, try the folks at attorneysdelivered.com, which offers a pretty extensive, state-by-state resource guide for legal representation.<span style="yes;">  </span></span></p>
<p class="MsoNormal" style="0in 0in 0pt;"><span style="10pt;"> </span></p>
<p class="MsoNormal" style="0in 0in 0pt;"><strong><span style="10pt;">Other Resources:</span></strong></p>
<p class="MsoNormal" style="0in 0in 0pt;"><span style="10pt;">Lighten Up</span></p>
<p class="MsoNormal" style="0in 0in 0pt;"><span style="10pt;"><a href="http://www.refillmynjoy.com/">Njoy products</a> make it possible to smoke in public without being tossed out on the curb.<span style="yes;">  </span>You can literally and legally light up any one of the number of <a href="http://www.refillmynjoy.com/">electronic cigarettes</a> on the market today and you won’t be hassled for it.<span style="yes;">  </span>Click <a href="http://e-cigarett.com/"><span style="#800080;">here</span></a> for some interesting facts about e-cigs.<strong></strong></span></p>
<p class="MsoNormal" style="0in 0in 0pt;"><span style="10pt;"> </span></p>
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		<title>God of War III Near Completion</title>
		<link>http://www.stateofcreativity.org/god-of-war-iii-near-completion/technology/2010/03/</link>
		<comments>http://www.stateofcreativity.org/god-of-war-iii-near-completion/technology/2010/03/#comments</comments>
		<pubDate>Mon, 08 Mar 2010 23:12:20 +0000</pubDate>
		<dc:creator>Creativity Writer</dc:creator>
		
		<category><![CDATA[Technology]]></category>

		<category><![CDATA[color imagerunner]]></category>

		<category><![CDATA[compare health insurance quotes]]></category>

		<category><![CDATA[compoare insurance quotes]]></category>

		<category><![CDATA[Grandview real estate]]></category>

		<category><![CDATA[grow lights]]></category>

		<category><![CDATA[home office furniture]]></category>

		<category><![CDATA[lightbulbs]]></category>

		<category><![CDATA[office products]]></category>

		<category><![CDATA[piermont real estate]]></category>

		<category><![CDATA[used copy machines]]></category>

		<guid isPermaLink="false">http://www.stateofcreativity.org/?p=424</guid>
		<description><![CDATA[Source: CNN
Fans of the video action game God of War will be pleased to hear the sequel is near completion.
So says developer Stig Asmussen, who has just put the final touches on what has been called the most eagerly awaited video game of 2010: the fantastic action-adventure sequel &#8220;God of War III.&#8221;
 The game, coming March [...]]]></description>
			<content:encoded><![CDATA[<p class="MsoNormal" style="0in 0in 10pt"><strong><span style="x-small;"><span style="Arial;"><a href="http://www.stateofcreativity.org/wp-content/uploads/2010/03/god_of_war_iii.jpg"><img class="alignleft size-full wp-image-425" src="http://www.stateofcreativity.org/wp-content/uploads/2010/03/god_of_war_iii.jpg" alt="" width="350" height="207" /></a></span></span></strong><strong><span style="x-small;"><span style="Arial;">Source: CNN</span></span></strong></p>
<p class="MsoNormal" style="9.5pt"><span style="EN;"><span style="x-small;"><span style="Arial;">Fans of the video action game God of War will be pleased to hear the sequel is near completion.</p>
<p></span></span></span><span style="EN;"><span style="x-small;"><span style="Arial;">So says developer Stig Asmussen, who has just put the final touches on what has been called the most eagerly awaited video game of 2010: the fantastic action-adventure sequel &#8220;God of War III.&#8221;</span></span></span></p>
<p class="MsoNormal" style="9.5pt"><span style="EN;"><span style="x-small;"> </span></span><span style="EN;"><span style="x-small;"><span style="Arial;">The game, coming March 16 for Sony&#8217;s PlayStation 3 console, is the culmination of nine years of work for director Asmussen and the rest of Sony&#8217;s creative team for the &#8220;God of War&#8221; series.<span style="yes">  </span>High-profile games rarely live up to massive hype, but early reports on &#8220;God of War III&#8221; &#8212; in which gamers battle gods from Greek mythology &#8212; have been glowing.</span></span></span></p>
<p class="MsoNormal" style="9.5pt"><span style="EN;"><span style="x-small;"></span></span><span style="EN;"><span style="x-small;"><span style="Arial;">&#8221; ‘God of War III&#8217; is expected to deliver the most bombastic, over-the-top action-adventure game ever,&#8221; said video game analyst Scott Steinberg, author of &#8220;Get Rich Playing Games.&#8221; &#8220;The demo was phenomenal. This has never been a series known for a light touch.&#8221;</span></span></span></p>
<p class="MsoNormal" style="9.5pt"><span style="EN;"><span style="x-small;"></span></span><span style="EN;"><span style="x-small;"><span style="Arial;">A description of the forthcoming game on PlayStation&#8217;s site even promises &#8220;new heightened levels of brutality and gore.&#8221; Hollywood also is considering a movie adaptation of the series &#8212; which Sony says has sold over 8.7 million copies worldwide &#8212; although no project is imminent.</span></span></span></p>
<p class="MsoNormal" style="9.5pt"><span style="EN;"><span style="x-small;"><span style="Arial;">The &#8220;God of War&#8221; series debuted in 2005 and follows the exploits of a former Spartan warrior named Kratos as he seeks revenge against Ares, Zeus and other Greek gods who wronged him. The 2007 &#8220;God of War II&#8221; ends with Kratos enlisting the aid of the legendary Titans in his quest.</span></span></span></p>
<p class="MsoNormal" style="9.5pt"><span style="EN;"><span style="x-small;"><span style="Arial;">The popularity of the first two games (not counting two lesser &#8220;God of War&#8221; titles), plus the fact that that &#8220;GOW III&#8221; is expected to be the end of the series, has fans clamoring for this final chapter. At last year&#8217;s Spike Video Game Awards, &#8220;God of War III&#8221; was named Most Anticipated Game of 2010.</span></span></span></p>
<p class="MsoNormal" style="9.5pt"><span style="EN;"><span style="x-small;"></span></span><span style="EN;"><span style="x-small;"><span style="Arial;">Some observers even wonder whether &#8220;GOW III&#8221; can top the all-time fastest-selling PS3 exclusive game, &#8220;Metal Gear Solid 4: Guns of the Patriots,&#8221; which sold a whopping 1.7 million units in its opening week in 2008.</span></span></span></p>
<p class="MsoNormal" style="9.5pt"><span style="EN;"><span style="x-small;"></span></span><span style="x-small;"><span style="Arial;"><strong><span style="EN;">MORE GORE FOR THE GLOW </span></strong><span style="EN;">Critics of previous sequels say with all the efforts to replicate the previous versions’ intricate action sequencing, vivid graphics capability and interactive components, some sequels have failed so miserable to measure up that they may as well have run off pages on a </span></span></span><a href="http://stores.homestead.com/ABMCOPIERS/StoreFront.bok"><span style="x-small;">color imagerunner</span></a><span style="x-small;"><span style="Arial;"> and slapped them on a Web page.<span style="yes">  </span>Without a streaming link to past episodes, they say, fans get bored with the product and then not to have much interest in the next version.<span style="yes">  </span></span></span></p>
<p class="MsoNormal" style="9.5pt"><span style="x-small;"><span style="Arial;"></span></span><span style="EN;"><span style="x-small;"><span style="Arial;">Demo and gameplay videos reveal that &#8220;GOW III&#8221; is expected to pick up where &#8220;GOW II&#8221; left off &#8212; with a massive assault on the gods&#8217; stronghold of Mount Olympus. The ambitious scale shown in previews is what Asmussen had hoped to achieve when he took over the &#8220;God of War&#8221; franchise. Sony hired Asmussen away from Midway Games in 2001 to work as the lead environmental artist on the series. </span></span></span></p>
<p class="MsoNormal" style="9.5pt"><span style="EN;"><span style="x-small;"><span style="Arial;">&#8220;I built a number of the major levels of &#8216;God of War&#8217; and worked on the early designs,&#8221; said Asmussen, who drew on his previous experiences to help him achieve his vision for &#8220;God of War III.&#8221;</span></span></span></p>
<p class="MsoNormal" style="9.5pt"><span style="EN;"><span style="x-small;"><span style="Arial;">Asmussen said they never originally intended to make a trilogy but realized they had a hot property on their hands after the original &#8220;God of War&#8221; won </span></span></span><span style="EN;"><span style="x-small;"><span style="Arial;">the Game of Show award at the E3 gaming conference. They immediately jumped into working on &#8220;God of War II.&#8221; </span></span></span></p>
<p class="MsoNormal" style="9.5pt"><span style="EN;"><span style="x-small;"><span style="Arial;">Working with director Cory Barlog on &#8220;God of War II&#8221; helped give Asmussen a greater understanding of all the skills needed to put together a blockbuster title &#8212; skills that would be put to the test after he was named game director for &#8220;God of War III,&#8221; he said.</span></span></span></p>
<p class="MsoNormal" style="9.5pt"><span style="EN;"><span style="x-small;"></span></span><span style="EN;"><span style="x-small;"><span style="Arial;">He said work on &#8220;GOW III&#8221; began while developers at Sony&#8217;s studios in Santa Monica, California, were still working on &#8220;GOW II.&#8221; A small group of designers and developers began testing the limits of a new console: the PlayStation 3.</span></span></span></p>
<p class="MsoNormal" style="9.5pt"><span style="EN;"><span style="x-small;"></span></span><span style="EN;"><span style="x-small;"><span style="Arial;">&#8220;First, it kind of scared the crap out of us,&#8221; Asmussen said of the PS3, which hit stores in 2006. &#8220;We knew the expectations were going to be high.&#8221;</span></span></span></p>
<p class="MsoNormal" style="9.5pt"><span style="EN;"><span style="x-small;"><span style="Arial;">When production on &#8220;GOW III&#8221; began in 2007, Asmussen was given a script outline with major points on characters and locations, but it was missing a true narrative to tie it all together. &#8220;I needed to really understand [the script], and the best way to do that is fashion it into something that fits my vision,&#8221; he said. &#8220;I created a new plot &#8230; [with] a lot of the locations and characters, but used them differently.&#8221;</span></span></span></p>
<p class="MsoNormal" style="9.5pt"><span style="EN;"><span style="x-small;"><span style="Arial;">Asmussen believes the PlayStation 3 system gave his team the opportunity to take the game to a more sophisticated level. He cited one particular sequence where Kratos is battling a horde of enemies on the back of a Titan, which is talking to him while climbing up a mountainside. It is something they could have never done on the PlayStation 2, he said.</span></span></span></p>
<p class="MsoNormal" style="9.5pt"><span style="EN;"><span style="x-small;"><span style="Arial;">&#8220;This is going to be a generational-defining game using this technology. Others are going to see what we did and realize they can use the PS3 like that as well,&#8221; he told CNN. </span></span></span></p>
<p class="MsoNormal" style="9.5pt"><span style="EN;"><span style="x-small;"><span style="Arial;">There are more weapons available to Kratos than in &#8220;GOW II,&#8221; and they are accessed on the fly instead of through a power-up menu.</span></span></span></p>
<p class="MsoNormal" style="9.5pt"><span style="EN;"><span style="x-small;"><span style="Arial;">Steinberg, the video game analyst, has demoed &#8220;God of War III&#8221; and said the gameplay is fast and furious. He described it as &#8220;heavy metal meets Greek tragedy.&#8221;</span></span></span></p>
<p class="MsoNormal" style="9.5pt"><span style="EN;"><span style="x-small;"><span style="Arial;">Steinberg believes games like &#8220;GOW III&#8221; and &#8220;BioShock 2&#8243; raise the excitement level for hard-core gaming by making games that involve more than just bloody button-mashing.</span></span></span></p>
<p class="MsoNormal" style="9.5pt"><span style="EN;"><span style="x-small;"></span></span><span style="EN;"><span style="x-small;"><span style="Arial;">&#8220;&#8216;GOW III&#8217; is as much about storytelling and atmosphere as it is whacking away until horns, tusks and arms go flying,&#8221; he said.</span></span></span></p>
<p class="MsoNormal" style="9.5pt"><span style="EN;"><span style="x-small;"><span style="Arial;">Asmussen said there will be no &#8220;God of War IV,&#8221; no matter how well the third chapter does. But the lessons learned with &#8220;GOW III&#8221; will be used to make other titles enjoyable for future players.</span></span></span></p>
<p class="MsoNormal" style="9.5pt"><span style="EN;"><span style="x-small;"><span style="Arial;">&#8220;We think about the fans all the time,&#8221; he said. &#8220;We have an enormous amount of pride here. We won&#8217;t accept failure.&#8221;</span></span></span></p>
<p class="MsoNormal" style="0in 0in 10pt" align="center"><strong><span style="x-small;"><span style="Arial;">________________________________</span></span></strong></p>
<p class="MsoNormal" style="0in 0in 10pt"><span style="x-small;"><span style="Arial;"><strong>My Take: </strong>Not a fan of the gore of the Greeks online.<span style="yes">  </span>I’d frankly rather watch a remodel of a piece of </span></span><a href="http://www.ellissothebysrealty.com/grandview-real-estate.html"><span style="x-small;">Grandview real estate </span></a><span style="x-small;"><span style="Arial;"><span style="yes"> </span>or shop for quotes to </span></span><a href="http://tinyquoter.com/compare-health-insurance-quote/"><span style="x-small;">compare health insurance quotes</span></a><span style="x-small;"> with my current rates, <span style="yes"> </span>than watch online battles between mythic epic warriors on my laptop.<span style="yes">  </span>For the time it takes to get through those games you could have raised orchids under fluorescent </span><a href="http://www.expresslightbulbs.com/compact-fluorescent-cfl-grow-light-bulbs-p-2.html"><span style="x-small;">grow lights </span></a><span style="x-small;">on your </span><a href="http://www.ellissothebysrealty.com/"><span style="x-small;">Piermont real estate</span></a><span style="x-small;">.<span style="yes">  </span>They suck up your time and your computer’s graphics capability faster than you know it, and they don’t really have much entertainment value for anyone who isn’t male or between the ages of 11 and 33. </span></p>
<p class="MsoNormal" style="0in 0in 10pt"><span style="x-small;">I have older friends who play video poker and other games online, and that’s bad enough if you ask me.<span style="yes">  </span>It doesn’t take any big </span><a href="http://www.expresslightbulbs.com/"><span style="x-small;">lightbulbs</span></a><span style="x-small;"><span style="Arial;"> to go off in my head to figure out that a lot of problems with teen violence can be linked directly to these online war games.<span style="yes">  </span>Forget TV.<span style="yes">  </span>Kids aren’t watching that much of it these days anyway if they are old enough to handle a joy stick and slide in a DVD.<span style="yes">  </span></span></span></p>
<p class="MsoNormal" style="0in 0in 10pt"><span style="x-small;">And, by the way: if you have teenagers getting ready to get behind the wheel, you need to do much more than </span><a href="http://tinyquoter.com/"><span style="x-small;">compare insurance quotes </span></a><span style="x-small;">options for young drivers.<span style="yes">  </span>You now need to be prepared to show your kids report cards to potential insurers and if they have anything less than a B average, expect your rates to be astronomical.<span style="yes">  </span>Teens are not only aggressive on video play, they also are among the riskiest drivers in the world to insure, thanks to texting and other online activities. </span></p>
<p class="MsoNormal" style="0in 0in 10pt"><strong><span style="x-small;"><span style="Arial;">Other Resources:</span></span></strong></p>
<p class="MsoNormal" style="0in 0in 10pt"><span style="x-small;"><span style="Arial;"><strong>Office Space Solutions<br />
</strong>If you’re setting up a new office for your business inside your home, one of the last things you want to do is spend a fortune on expensive </span></span><a href="http://www.weekslerman.com/"><span style="x-small;">office products</span></a><span style="x-small;">, right?<span style="yes">  </span>Try searching online for used </span><a href="http://www.weekslerman.com/HOME.HTM"><span style="x-small;">home office furniture</span></a><span style="x-small;">, </span><a href="http://www.abmcopier.com/"><span style="x-small;">used copy machines</span></a><span style="x-small;">, and even discounts on things like used printer cartridges and more.<span style="yes">  </span>You’ll save a lot of money that way, which is every small business owners goal when starting out. </span></p>
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		<title>Doo Dah Parade Moves Out of Old Town</title>
		<link>http://www.stateofcreativity.org/doo-dah-parade-moves-out-of-old-town/retail/2010/03/</link>
		<comments>http://www.stateofcreativity.org/doo-dah-parade-moves-out-of-old-town/retail/2010/03/#comments</comments>
		<pubDate>Mon, 08 Mar 2010 17:37:39 +0000</pubDate>
		<dc:creator>Creativity Writer</dc:creator>
		
		<category><![CDATA[Retail]]></category>

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		<guid isPermaLink="false">http://www.stateofcreativity.org/?p=421</guid>
		<description><![CDATA[


Source: Los Angeles Times
 
The birthplace of a long-revered off-beat copy-cat of the Rose Parade no longer suits the message behind the annual Doo Dah Parade, so it’s pulling up stakes and going to a more suitable neighborhood. 
 
It was in Old Town Pasadena that an irreverent parade named after a campy British rock group known [...]]]></description>
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<p class="MsoNormal" style="0in 0in 0pt;"><strong><span style="10pt;"><a href="http://www.stateofcreativity.org/wp-content/uploads/2010/03/05032219291311doodah.jpg"><img class="alignleft size-full wp-image-422" src="http://www.stateofcreativity.org/wp-content/uploads/2010/03/05032219291311doodah.jpg" alt="" width="350" height="237" /></a></span></strong></p>
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<p class="MsoNormal" style="0in 0in 0pt;"><strong><span style="10pt;">Source: Los Angeles Times</span></strong></p>
<p class="MsoNormal" style="0in 0in 0pt;"><strong><span style="10pt;"> </span></strong></p>
<p class="MsoNormal" style="0in 0in 0pt;"><span style="10pt;">The birthplace of a long-revered off-beat copy-cat of the Rose Parade no longer suits the message behind the annual Doo Dah Parade, so it’s pulling up stakes and going to a more suitable neighborhood. </span></p>
<p class="MsoNormal" style="0in 0in 0pt;"><span style="10pt;"> </span></p>
<p class="MsoNormal" style="0in 0in 0pt;"><span style="10pt;">It was in Old Town Pasadena that an irreverent parade named after a campy British rock group known as the Bonzo Dog Doo-Dah Band was born. And for the last three decades, it&#8217;s where the Doo Dah Parade has stayed, drawing thousands to watch the offbeat and flamboyant entries &#8212; the BBQ &amp; Hibachi Marching Grill Team, the Church of the Ornamental Lawn Decorations, Human-Powered Cupcakes and Martinis in the Morning.</p>
<p>But on May 1, those hoping to join in the customary crowd tradition of tossing marshmallows, tortillas and neckties along the parade route will have to head east to the Lamanda Park district, a quiet side of Pasadena that, unlike Old Town, has seen little revitalization.</p>
<p>Although the parade has often varied when it comes to date, route and regularity (it&#8217;s sometimes been held twice a year and sometimes not at all), it has never strayed from Old Town. Organizers, however, say the crosstown move is a chance to return to the indie roots of what began as an impish reply to the pomp and extravagance of the Rose Parade.</p>
<p>Started out of the now-defunct Chromo&#8217;s Bar by a group of friends, the first Doo Dah Parade took place Jan. 1, 1978 &#8212; a date the Rose Parade would have dominated were it not for its &#8220;Never on Sunday&#8221; policy that pushed it to the following day.</p>
<p>&#8220;It was a collective-consciousness kind of thing,&#8221; recalled one of the original organizers, Corky Peterson, 62. &#8220;We worked this whole thing from the bar&#8217;s pay phone. People called up wondering what was going on. The parade was like a way to let off steam.&#8221;</p>
<p>But a couple of years ago, the current parade&#8217;s producers said, they began to feel that the festivity and its setting had lost some of its organic appeal. With a growing Doo Dah crowd and Old Town now a commercial shopping mecca where consumer favorites like Abercrombie &amp; Fitch and the Cheesecake Factory dot the background, they believed the spirit of the parade was getting lost.</p>
<p>It also appeared to be heading toward becoming the very thing it had hoped to parody.</p>
<p>&#8220;We were on the cusp of predictability, and that&#8217;s something the parade was not about &#8212; it was about being spontaneous and improvisational,&#8221; said Tom Coston, president of Light Bringer Project, a nonprofit arts organization that produces the Doo Dah Parade.</p>
<p>&#8220;By moving it, we&#8217;re peeling a few layers away so it becomes less of an entertainment vehicle and more of a public art event,&#8221; Coston said.</p>
<p>Coston said he thought Lamanda Park, an eclectic neighborhood with antique stores, auto body shops, family-owned boutiques and old-time ambience, could benefit from a high-energy event.</p>
<p>Shauna Novotny, owner of Novotny&#8217;s Antique Gallery, said she would welcome the Doo Dah Parade in front of her East Pasadena business, even if attendees weren&#8217;t interested in patronizing her store.</p>
<p>&#8220;I think it&#8217;s a great idea to move it to this direction and give people a chance to mingle in this area and see what we&#8217;re all about,&#8221; she said. &#8220;It puts a new perspective on things.&#8221;</p>
<p>The parade could also help with name recognition of the neighborhood. &#8220;It&#8217;s not necessarily known as Lamanda Park but is known as that stretch of Colorado with trees and the little stores,&#8221; said Paul Little, president of the city&#8217;s chamber of commerce.</p>
<p>&#8220;It&#8217;s a really nice area and has a unique personality &#8212; it&#8217;s sort of what it probably felt like back in the &#8217;20s, &#8217;30s and &#8217;40s, except the cars are newer.&#8221;</span></p>
<p class="MsoNormal" style="0in 0in 0pt;"><span style="10pt;"> </span></p>
<p class="MsoNormal" style="0in 0in 0pt;"><strong><span style="10pt;">Old is new again</span></strong></p>
<p class="MsoNormal" style="0in 0in 0pt;"><span style="10pt;">Indeed, this stretch of Pasadena certainly differs from the gentrified environs of Old Town, even if the architecture of both can be traced back to similar periods.<span style="yes;">  </span>This area is still struggling to get a foot in the door from a retail perspective, although the old craft shops selling <strong><a href="http://www.1stplacehobbies.com/tools.asp"><span style="Arial;"><span style="Times New Roman;">hobbie tools</span></span></a> </strong>have been replaced with more contemporary retailers.<span style="yes;">  </span>However, the<strong> <a href="http://www.1stplacehobbies.com/tools.asp/"><span style="Arial;"><span style="Times New Roman;">model trains</span></span></a> </strong>stores may be gone, but there are still a couple of pretty good dive bars in the area.</p>
<p>Architect Dale Brown, whose firm moved to Lamanda Park a few years ago, said the artistic nature of the parade would fit the area. &#8220;We&#8217;re not a real shirt-and-tie kind of place,&#8221; he said.</p>
<p>Despite complaints from some that Old Town has lost some of its urban verve, Steve Mulheim of the Old Pasadena Management District said the 21 blocks that make up Old Town shouldn&#8217;t be generalized as mainstream.</p>
<p>&#8220;The side streets are independent restaurants and shopkeepers, and a lot of very artistically driven people, so that component is most definitely still here,&#8221; he said. &#8220;We&#8217;re certainly a much more polished environment, but we still are very organic.&#8221;</p>
<p>Many Old Town businesses were disappointed to hear of the Doo Dah Parade&#8217;s departure and said they will miss the spike in revenue that came with the event.</p>
<p>&#8220;It was one of our big days of the year,&#8221; said Aaron Powell, manager of Old Towne Pub on Fair Oaks Avenue. &#8220;We counted it almost like a holiday, like St. Patrick&#8217;s Day or New Year&#8217;s.&#8221;</p>
<p>Peterson, who hasn&#8217;t attended the parade he helped create in years but will serve as this year&#8217;s grand marshal, said he&#8217;s in favor of the change in venue.</p>
<p>&#8220;I think it&#8217;s going back to the people,&#8221; he said.</span></p>
<p class="MsoNormal" style="0in 0in 0pt;" align="center"><strong><span style="10pt;">_______________________________</span></strong></p>
<p class="MsoNormal" style="0in 0in 0pt;" align="center"><strong><span style="10pt;"> </span></strong></p>
<p class="MsoNormal" style="0in 0in 0pt;" align="center"><strong><span style="10pt;"> </span></strong></p>
<p class="MsoNormal" style="0in 0in 0pt;"><strong><span style="10pt;"> </span></strong><strong><span style="10pt;">My Take:</span></strong><span style="10pt;"> Frankly, I’m glad to hear about the moving of the Doo Dah parade out of Old Town and into an area far from the <a href="http://activeimprints.com/decorated_apparel/?sub=Knit%20Shirts"><span style="Arial;"><span style="Times New Roman;">promotional golf shirts</span></span></a> and <a href="http://www.confectionsbysharaspaperie.com/display.cfm?type2=cutting%20board&amp;sub2=yes&amp;type=cutting%20board&amp;col=Custom%20Plates&amp;col2=Custom%20Plates&amp;secondarycollection=."><span style="Arial;"><span style="Times New Roman;">custom cutting boards</span></span></a> from Crate and Barrel.<span style="yes;">  </span>Don’t get me wrong: I am all about contemporary gifts and fun <a href="http://activeimprints.com/"><span style="Arial;"><span style="Times New Roman;">promotional products</span></span></a>.<span style="yes;">  </span>I even understand that in order to find really nice, suitable <a href="http://www.confectionsbysharaspaperie.com/"><span style="Arial;"><span style="Times New Roman;">personalized gift items</span></span></a> these days, you’ve got to be close to trendier shops.<span style="yes;">  </span>But Old Town truly has outgrown the funky and fun Doo Dah revelers’ idea of a parade.<span style="yes;">  </span>This is an off-beat, crazy and sometimes outrageous take off of the more gentile Rose Parade that also traverses the streets of Old Town on its way east on Colorado Boulevard each NewYear’s day.<span style="yes;">  </span></span></p>
<p class="MsoNormal" style="0in 0in 0pt;"><span style="10pt;"> </span></p>
<p class="MsoNormal" style="0in 0in 0pt;"><span style="10pt;">But the thing is, the Doo Dah doesn’t really fit the trendy Old Town anymore, with its fancy retailers and shoppers cruising up and down the street in everything from <a href="http://www.redswagger.com/store/pc/showsearchresults.asp?idbrand=11"><span style="Arial;"><span style="Times New Roman;">Hause of Howe</span></span></a> <a href="http://www.redswagger.com/"><span style="Arial;"><span style="Times New Roman;">clothing <span style="yes;"> </span></span></span></a></span></p>
<p class="MsoNormal" style="0in 0in 0pt;"><span style="10pt;">to Ed Hardy.<span style="yes;">  </span>No, this is no parade for Mek Jeans and Gucci sunglasses.<span style="yes;">  </span>The Doo Dah Parade is a beer swillin’, rock-n-roll throwback to a much more bohemian time in Pasadena’s storied cultural lineage and to move it further east, where the neighborhoods and the retailers are less bourgeois and more Woodstock, simply makes good parade sense for a parade about good old nonsense. </span></p>
<p class="MsoNormal" style="0in 0in 0pt;"><span style="10pt;"><span style="yes;"> </span><span style="underline;"><span style="blue;"></span></span></span></p>
<p class="MsoNormal" style="0in 0in 0pt;"><strong><span style="10pt;">Other Resources: </span></strong></p>
<p class="MsoNormal" style="0in 0in 0pt;"><strong><span style="10pt;">Pay Tracking</span></strong></p>
<p class="MsoNormal" style="0in 0in 0pt;"><span style="10pt;">Looking for a more efficient way to handle your <a href="http://www.californiapayroll.com/"><span style="Arial;"><span style="Times New Roman;">business payroll solutions? <span style="yes;"> </span></span></span></a><span style="yes;"> </span>There are many online versions of traditional hard-copy <a href="http://www.californiapayroll.com/"><span style="Arial;"><span style="Times New Roman;">time and attendance</span></span></a> trackers who can not only keep a handle on your employees’ hours, but also their vacation requests, their sick time out, holiday pay and many other features that used to be offered only through the HR department in house.<span style="yes;">  </span>ADP is among the most widely used.<span style="yes;">  </span>You can start by checking their site <a href="http://www.adp.com/"><span style="Arial;"><span style="#800080;">here</span></span></a>. </span></p>
<p class="MsoNormal" style="0in 0in 0pt;"><span style="10pt;"> </span></p>
<p> </p>
<p></font></span></p>
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		<title>Finding Locations to Treasure Hunt</title>
		<link>http://www.stateofcreativity.org/finding-locations-to-treasure-hunt/security/2009/05/</link>
		<comments>http://www.stateofcreativity.org/finding-locations-to-treasure-hunt/security/2009/05/#comments</comments>
		<pubDate>Fri, 08 May 2009 05:09:45 +0000</pubDate>
		<dc:creator>State of Creativity</dc:creator>
		
		<category><![CDATA[Security]]></category>

		<category><![CDATA[airport metal detector]]></category>

		<category><![CDATA[metal detector]]></category>

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		<category><![CDATA[SEO service]]></category>

		<category><![CDATA[walk through metal detector]]></category>

		<guid isPermaLink="false">http://www.stateofcreativity.org/?p=328</guid>
		<description><![CDATA[There is always treasure to be found somewhere as long as you have your trusty metal detector with you! You can return to the same locations repeatedly and still find treasure. However, there are many places that you can use metal detectors and may not have thought of before.

Treasure is just lying around waiting for [...]]]></description>
			<content:encoded><![CDATA[<p>There is always treasure to be found somewhere as long as you have your trusty <a href="http://www.rapiscansystems.com/"><span style="none;">metal detector</span></a> with you!<span> </span>You can return to the same locations repeatedly and still find treasure.<span> </span>However, there are many places that you can use <a href="http://www.rapiscansystems.com/"><span style="none;">metal detectors</span></a> and may not have thought of before.</p>
<p class="MsoNormal">
<p class="MsoNormal">Treasure is just lying around waiting for you to come find it.<span> </span>All you have to do is go and get it. <span> </span>Just think about the events that are taking place in your area right now where you could possibly find treasure.<span> </span>Think about the historical sites in your area where you could possibly find treasure.</p>
<p class="MsoNormal">
<p class="MsoNormal">Do you live near the ocean or a lake?<span> </span>The beach is a great place to search.<span> </span>People are always going to the beach and losing items, valuable items.<span> </span>Besides, digging in the sand is a lot easier than digging through dirt.<span> </span>You should be able to find watches, rings, earrings and change of all kinds on the beach.</p>
<p class="MsoNormal">
<p class="MsoNormal">What about that open air concert at the park, the one where you had to go through a <a href="http://www.rapiscansystems.com/metaldetection.html"><span style="none;">walk through metal detector</span><span style="none;"> </span></a>to get in.<span> </span>Remember all the items people were pulling out of their pockets?<span> </span>Guess what?<span> </span>Some of those items were probably stomped into the grass and you can find them.<span> </span>Try going anywhere and even was engineered and you will find items like change and jewelry.<span> </span>You might even find a few sets of keys.</p>
<p class="MsoNormal">
<p class="MsoNormal">Go to any place that people gather and you will always have a chance to find something with your trusty <a href="http://www.stateofcreativity.org/tag/metal-detector/" class="st_tag internal_tag" rel="tag" title="Posts tagged with metal detector">metal detector</a>.<span> </span>Treasure hunting with your <a href="http://www.stateofcreativity.org/tag/metal-detector/" class="st_tag internal_tag" rel="tag" title="Posts tagged with metal detector">metal detector</a> can actually be preferable as well as enjoyable.<span> </span>Just remember, your <a href="http://www.stateofcreativity.org/tag/metal-detector/" class="st_tag internal_tag" rel="tag" title="Posts tagged with metal detector">metal detector</a> is nothing like an <a href="http://www.rapiscansystems.com/metaldetection.html)"><span style="none;">airport metal detector</span></a>.<span> </span>As if you did not already know that!<span> </span><span style="Wingdings;"><span> <img src='http://www.stateofcreativity.org/wp-includes/images/smilies/icon_smile.gif' alt=':-)' class='wp-smiley' /> </span></span></p>
<p class="MsoNormal" style="center;">&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;-</p>
<p class="MsoNormal"><strong>Other Resources</strong></p>
<p><strong>Top 10 Positioning</strong></p>
<p class="MsoNormal">
<p class="MsoNormal">With the best search engine optimization campaign, you could be in the top 10 of Google/Yahoo/MSN before you realize it. One <a href="https://www.qualifiedimpressions.com/"><span style="none;">SEO service</span></a> uses a strict process that is designed to achieve and sustain top 10 positioning in the search engines. Stuffing your keywords in the meta-tags is just no longer sustainable technique. Half the battle is on-page optimization that will create a search engine friendly, cleanly coded, themed webpage by implementing specific natural keyword proximity and integrating all of the up-to-date SEO elements into your website. You want a webpage that is easily readable by the search engines and has a common theme for ranking purposes it.</p>
<p class="MsoNormal">
<p class="MsoNormal">
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		<title>Do Your Research before Joining Any Online Casino!</title>
		<link>http://www.stateofcreativity.org/do-your-research-before-joining-any-online-casino/entertainment/gaming/2009/05/</link>
		<comments>http://www.stateofcreativity.org/do-your-research-before-joining-any-online-casino/entertainment/gaming/2009/05/#comments</comments>
		<pubDate>Fri, 08 May 2009 05:03:09 +0000</pubDate>
		<dc:creator>State of Creativity</dc:creator>
		
		<category><![CDATA[Gaming]]></category>

		<category><![CDATA[casinos online]]></category>

		<category><![CDATA[online casino]]></category>

		<category><![CDATA[online casino gambling]]></category>

		<category><![CDATA[online gambling]]></category>

		<guid isPermaLink="false">http://www.stateofcreativity.org/?p=325</guid>
		<description><![CDATA[There are many online casinos that are fly-by-night or just our not legit. They are there just waiting to get you their trap. Online casino websites are popping up all over the Internet these days and you need to be careful.
 
You need to check the reviews on the various casinos online to determine whether [...]]]></description>
			<content:encoded><![CDATA[<p>There are many online casinos that are fly-by-night or just our not legit.<span> </span>They are there just waiting to get you their trap.<span> </span><a href="http://punchostewart.com/"><span style="none;">Online casino</span></a> websites are popping up all over the Internet these days and you need to be careful.</p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;"> </span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">You need to check the reviews on the various <a href="http://punchostewart.com/"><span style="none;">casinos online</span></a> to determine whether they are legitimate or not.<span> </span>Actually, there are many websites whose sole purpose is writing reviews on various online casinos.<span> </span>It is their business to get hands on experience on how the casinos operate.<span> </span>They go online, join a casino, and find out what kind of bonuses they offer, their method of payment, who developed their gambling software, where they are located in the world and other very important information.<span> </span>This information will help you get a good perspective on <a href="http://punchostewart.com/"><span style="none;">online casino gaming</span></a> before you invest your hard-earned cash and lose it all.</span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;"> </span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">You might locate an <a href="http://punchostewart.com/"><span style="none;">online gambling</span></a> community website that has chat capabilities.<span> </span>There you will be able to talk to other online gamblers openly about their experiences and which online casinos they have visited.<span> </span>This might be the best place to get your information.<span> </span>People who have won are far more likely to give you good information.</span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;"> </span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">For the average person, gambling is a fun and relaxing event, unless you are a professional gambler.<span> </span>To make sure that your experience is fun and safe you should take your time in choosing an <a href="http://www.stateofcreativity.org/tag/online-casino/" class="st_tag internal_tag" rel="tag" title="Posts tagged with online casino">online casino</a>.<span> </span>You should be responsible enough to read the reviews and check out the <a href="http://www.stateofcreativity.org/tag/online-gambling/" class="st_tag internal_tag" rel="tag" title="Posts tagged with online gambling">online gambling</a> community&#8217;s before you make your final decision to become a member of any <a href="http://www.stateofcreativity.org/tag/online-casino/" class="st_tag internal_tag" rel="tag" title="Posts tagged with online casino">online casino</a>.<span> </span>This will at least make it possible for you not to lose too much and possibly to be a winner.</span></p>
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		<title>Refinancing a Home Mortgage Loan</title>
		<link>http://www.stateofcreativity.org/refinancing-a-home-mortgage-loan/real-estate/financing/2009/05/</link>
		<comments>http://www.stateofcreativity.org/refinancing-a-home-mortgage-loan/real-estate/financing/2009/05/#comments</comments>
		<pubDate>Fri, 08 May 2009 04:49:51 +0000</pubDate>
		<dc:creator>State of Creativity</dc:creator>
		
		<category><![CDATA[Financing]]></category>

		<category><![CDATA[ky refinancing]]></category>

		<category><![CDATA[louisville kentucky mortgage]]></category>

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		<category><![CDATA[mortgage rates louisville]]></category>

		<guid isPermaLink="false">http://www.stateofcreativity.org/?p=322</guid>
		<description><![CDATA[Have you reached that point where your home mortgage is bringing you down? Then it may be time to get KY refinancing. It only makes sense to refinance because you can lower your interest rate and your monthly payment.
 
All you are really doing is taking that Louisville Kentucky mortgage and getting a new one [...]]]></description>
			<content:encoded><![CDATA[<p>Have you reached that point where your home mortgage is bringing you down?<span> </span>Then it may be time to get <a href="http://www.ocmrates.com/"><span style="none;">KY refinancing</span></a>.<span> </span>It only makes sense to refinance because you can lower your interest rate and your monthly payment.</p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;"> </span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">All you are really doing is taking that <a href="http://www.ocmrates.com/"><span style="none;">Louisville Kentucky mortgage</span></a> and getting a new one that will pay off the existing loan.<span> </span>Be careful, you do not want the new loan to cost you more in interest or monthly payments so do your research carefully.</span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;"> </span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">Many of the terms you will come across in refinancing are the same.<span> </span>If you do not recognize one, find out its definition!<span> </span>Some of the terms you will come across in your research are:</span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;"> </span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">Loan to Value Ratio:<span> </span>This is usually up to 80% of the value of your home that you are borrowing against.<span> </span>Higher than 80% and you may be required to purchase mortgage insurance to refinance.</span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;"> </span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">Points:<span> </span>Everybody has heard about points when it comes to real estate.<span> </span>However, there are two different types of points you can pay.<span> </span>There are discount points, paid upfront at closing and origin points or fees paid to the loan representative for services rendered.<span> </span>Discount points would usually lower your interest rate.</span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;"> </span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">Fixed Rate Mortgage:<span> </span>The interest rate does not change for the life of the loan in this mortgage.<span> </span>The rate is fixed at closing time and will not change.</span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;"> </span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">Adjustable Rate Mortgage (ARM):<span> </span>This mortgage has interest rate that will fluctuate up or down depending on the prime rate or treasury index that it is connected to.<span> </span>You do not want this type of mortgage!<span> </span>If the interest rates happened to go up, so does your monthly payment.</span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;"> </span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">Annual Percentage Rate (APR):<span> </span>This is different from the fixed or adjustable rate.<span> </span>This number is based on the costs associated with the mortgage and is shown as an interest rate.<span> </span>It will vary from one lender to another because they each calculated it differently.<span> </span>Ask for the &#8220;Good Faith Estimate&#8221; that all lenders are required to provide.</span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;"> </span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">Good Faith Estimate:<span> </span>This is a list of all the estimated costs connected with your loan.<span> </span>This should be provided to you within three days of filling out a loan application.<span> </span>All mortgage lenders are required by law to provide it to all applicants.</span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;"> </span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">Term Length:<span> </span>This is the length of your loan in years.<span> </span>The majority of loans are 15-30 years in length.<span> </span>The longer the term the more you will pay in interest.</span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;"> </span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">The <a href="http://www.ocmrates.com/company.html"><span style="none;">mortgage rates Louisville </span></a>are at an all-time low right now.<span> </span>That means that if your goal is to free up money for other uses, refinancing may be the best option for your mortgage.<span> </span>It can give you the money that you need and lower your monthly mortgage payment.</span></p>
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		<title>Baby Gift Baskets Make Memories</title>
		<link>http://www.stateofcreativity.org/baby-gift-baskets-make-memories/retail/2009/05/</link>
		<comments>http://www.stateofcreativity.org/baby-gift-baskets-make-memories/retail/2009/05/#comments</comments>
		<pubDate>Fri, 08 May 2009 04:40:27 +0000</pubDate>
		<dc:creator>State of Creativity</dc:creator>
		
		<category><![CDATA[Retail]]></category>

		<category><![CDATA[baby gift baskets]]></category>

		<category><![CDATA[baby gift diaper cakes]]></category>

		<category><![CDATA[baby shower gift baskets]]></category>

		<category><![CDATA[new baby gift basket]]></category>

		<guid isPermaLink="false">http://www.stateofcreativity.org/?p=319</guid>
		<description><![CDATA[There is one unique gift that you can give to a mom-to-be at her baby shower, baby gift diaper cakes. That is what I said, diaper cakes. The baby diaper cake is a perfect gift idea for any newborn, and the parents of the new baby are going to love you for thinking of it! [...]]]></description>
			<content:encoded><![CDATA[<p>There is one unique gift that you can give to a mom-to-be at her baby shower, <a href="http://www.blesswithabasket.com/baby-diaper-cakes/"><span style="none;">baby gift diaper cakes</span></a>.<span> </span>That is what I said, diaper cakes.<span> </span><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">The baby diaper cake is a perfect gift idea for any newborn, and the parents of the new baby are going to love you for thinking of it!<span> </span>They come with 25-30 diapers as well as toys, pacifier, baby utensils, clothes and much more.</span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;"> </span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;"><a href="http://www.blesswithabasket.com/"><span style="none;">Baby shower gift baskets</span></a> come in all sizes and types.<span> </span>There is a vast amount of choices for baby and infant gift ideas.<span> </span>A gift basket is one present that comes in many varieties, themes and price ranges and can offer great baby shower ideas when it comes to unique baby shower gifts.<span> </span>There are even baskets for baby and mom.</span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;"> </span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">The themes are numerous like the <a href="/www.blesswithabasket.com/"><span style="none;">new baby gift basket</span></a> or the mom-to-be basket.<span> </span>You might even consider getting a dad-to-be basket for the first time father.<span> </span>With such a vast selection of baskets available on the Internet, you should not have any problem finding a gift basket that is perfect.</span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;"> </span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">Giving <a href="/www.blesswithabasket.com/"><span style="none;">baby gift baskets</span></a> is not only unique but helpful as well.<span> </span>They contain things that the baby or mother will need right after the birth.<span> </span>They can include things as simple as pacifiers and toys or things that are much more needed like clothing and diapers.</span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;"> </span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">This means that you will be able to find a truly magical gift for the baby and the new mother.<span> </span>A new mother is already experiencing the most exciting time of her life.<span> </span>Give her something that will add to the memories and help once the baby arrives.</span></p>
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		<title>Bankers See a Bleak Future</title>
		<link>http://www.stateofcreativity.org/bankers-see-a-bleak-future/real-estate/financing/2009/05/</link>
		<comments>http://www.stateofcreativity.org/bankers-see-a-bleak-future/real-estate/financing/2009/05/#comments</comments>
		<pubDate>Fri, 08 May 2009 04:34:29 +0000</pubDate>
		<dc:creator>State of Creativity</dc:creator>
		
		<category><![CDATA[Financing]]></category>

		<category><![CDATA[buy real estate notes]]></category>

		<category><![CDATA[cash flow notes]]></category>

		<category><![CDATA[real estate notes]]></category>

		<category><![CDATA[sell real estate notes]]></category>

		<guid isPermaLink="false">http://www.stateofcreativity.org/?p=315</guid>
		<description><![CDATA[Loan officers stated earlier this year that credit cards and commercial real estate are not going to be the only problems. This means that, among additional losses, real estate notes will be one of the additional losses for banks this year according to the Federal Reserve. This is just another result of the painful recession [...]]]></description>
			<content:encoded><![CDATA[<p>Loan officers stated earlier this year that credit cards and commercial real estate are not going to be the only problems.<span> </span>This means that, among additional losses, <a href="http://www.bishoprosecash4notes.com/"><span style="none;">real estate notes</span></a> will be one of the additional losses for banks this year according to the Federal Reserve.<span> </span>This is just another result of the painful recession that we are in.</p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;"> </span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">In a survey of domestic lenders, they warned that there would be even more losses into portfolios such as credit cards, nontraditional mortgages and commercial real estate.<span> </span>The nation&#8217;s 19 largest financial institutions have been going through what is called &#8220;stress tests&#8221; and this report will be out soon.<span> </span>However, this does not make it look any better with the threat of rising loan losses for banks</span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;"> </span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">In fact, some banks like Citigroup, Wells Fargo and Bank of America may need additional capital as a result of these &#8220;stress tests&#8221;.<span> </span>These financial institutions have been trying to minimize their losses by tightening standards on credit cards in the first quarter.</span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;"> </span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">The demand for prime mortgages did surge, as the lending standards on prime mortgages remained elevated.<span> </span>This means that when you <a href="http://www.bishoprosecash4notes.com/"><span style="none;">sell real estate notes</span></a> you might get the price you want.<span> </span>On the other hand, if you <a href="http://www.bishoprosecash4notes.com/"><span style="none;">buy real estate notes</span></a> you may have to pay a little bit more.</span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;"> </span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">If you use <a href="http://www.bishoprosecash4notes.com/"><span style="none;">cash flow notes</span></a> as an investment, it may be a good idea to hang onto them for a while to see if the market is going to stabilize a little bit more.</span></p>
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		<title>Handmade Jewelry is Timeless</title>
		<link>http://www.stateofcreativity.org/handmade-jewelry-is-timeless/fashion/jewelry/2009/05/</link>
		<comments>http://www.stateofcreativity.org/handmade-jewelry-is-timeless/fashion/jewelry/2009/05/#comments</comments>
		<pubDate>Fri, 08 May 2009 04:28:17 +0000</pubDate>
		<dc:creator>State of Creativity</dc:creator>
		
		<category><![CDATA[Jewelry]]></category>

		<category><![CDATA[fight necklace]]></category>

		<category><![CDATA[fight symbol]]></category>

		<category><![CDATA[spin rings]]></category>

		<category><![CDATA[tribal pendants]]></category>

		<guid isPermaLink="false">http://www.stateofcreativity.org/?p=311</guid>
		<description><![CDATA[At one time, jewelry was something that only a woman would wear. Today even men accessorize with jewelry even if it is just a gold chain. A piece of jewelry can make all the difference in how you look. In addition, handmade tribal pendants can make an even bigger impression on those who see you. [...]]]></description>
			<content:encoded><![CDATA[<p>At one time, jewelry was something that only a woman would wear.<span> </span>Today even men accessorize with jewelry even if it is just a gold chain.<span> </span>A piece of jewelry can make all the difference in how you look.<span> </span>In addition, handmade <a href="http://www.lucky38.com/"><span style="none;">tribal pendants</span></a> can make an even bigger impression on those who see you.<span> </span>Handcrafted jewelry has been developed by many cultures throughout time, which gives a person a large variety from which to choose.</p>
<p class="MsoNormal">There are many types of metals and gemstones that are used such as brass, copper, silver, gold, pewter and crystal, Quartz, turquoise, diamonds and amethyst.<span> </span>Contemporary handcrafters may use more diverse materials such as glass, fabric or acrylics as well as organic and natural materials such as wood, leather or animal forms.<span> </span>Handcrafted jewelry has been made of these materials for centuries and is becoming more and more popular.</p>
<p class="MsoNormal">Mass-produced jewelry is just that, mass-produced.<span> </span>They use molds to pour the metal, then place the gemstones in the appropriate places.<span> </span>Handmade jewelry on the other hand has more culture, humanity and history involved with its making.<span> </span>Many cultures have their own handmade tribal jewelry like the <a href="http://www.lucky38.com/"><span style="none;">fight symbol</span></a> that is usually worn by a warrior.</p>
<p class="MsoNormal">Handmade jewelry makes the best gift for any occasion because it is special and unique.<span> </span>Of course, the price is always a little bit higher for handmade jewelry.<span> </span>It usually has a large price range depending on the material, craftsmanship and its size.<span> </span>Do not get me wrong, you can find inexpensive handmade jewelry and it does not have to be made of precious metals or gemstones.</p>
<p class="MsoNormal">You can easily find a <a href="http://www.lucky38.com/"><span style="none;">fight necklace</span></a> or even <a href="http://www.lucky38.com/thestoreprod.asp?pg=8&amp;gn=Rings"><span style="none;">spin rings</span></a> made of inexpensive materials such as wood or brass.<span> </span>A search of the Internet may reveal that perfect piece of jewelry you are looking for.<span> </span>The Internet will also allow you to compare styles and prices and look for the best deals, which could include free shipping or coupons.</p>
<p class="MsoNormal">Whether you are looking for something for a special occasion or unusual gifts for loved ones, try handmade jewelry and make the memory timeless.</p>
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		<title>Promotional Bag Vendors</title>
		<link>http://www.stateofcreativity.org/promotional-bag-vendors/business/marketing/2009/05/</link>
		<comments>http://www.stateofcreativity.org/promotional-bag-vendors/business/marketing/2009/05/#comments</comments>
		<pubDate>Fri, 08 May 2009 04:08:13 +0000</pubDate>
		<dc:creator>State of Creativity</dc:creator>
		
		<category><![CDATA[Marketing]]></category>

		<category><![CDATA[custom packaging]]></category>

		<category><![CDATA[custom printed bags]]></category>

		<category><![CDATA[customized plastic bags]]></category>

		<category><![CDATA[promotional bags]]></category>

		<guid isPermaLink="false">http://www.stateofcreativity.org/?p=308</guid>
		<description><![CDATA[Vendors have been producing customer specific, quality promotional bags for years. However, what do you look for in a vendor? There are actually several things you should look for in a vendor when purchasing promotional bags.  
 
Here are a few they should offer:
 

A wide and varied selection of bag supplies, custom containers [...]]]></description>
			<content:encoded><![CDATA[<p>Vendors have been producing customer specific, quality <a href="http://www.stateofcreativity.org/tag/promotional-bags/" class="st_tag internal_tag" rel="tag" title="Posts tagged with promotional bags">promotional bags</a> for years.<span> </span>However, what do you look for in a vendor?<span> </span>There are actually several things you should look for in a vendor when purchasing <a href="http://www.bagsonthenet.com/"><span style="none;">promotional bags</span></a>. <span> </span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;"> </span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">Here are a few they should offer:</span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;"> </span></p>
<ol>
<li><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">A wide and varied selection of bag supplies, custom containers and storage solutions.</span></li>
<li><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">A wide collection of top-of-the-line, fully recyclable custom paper, plastic, shipping and cloth bags as well as discount packaging solutions to meet your needs.</span></li>
<li><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">High quality bag supplies and packaging products.</span></li>
<li><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">Competitive prices worldwide.</span></li>
<li><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">Extensive knowledge and hands-on experience making it possible to offer real-world solutions.</span></li>
<li><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">Discounts based on size of order.</span></li>
<li><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">Three technical information to assist in your decision-making process.</span></li>
<li><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">Provide custom printing.</span></li>
</ol>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;"> </span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">When you have an idea of the products that are offered by a vendor you need to make your decision.<span> </span>Which vendor will it be?<span> </span>Once you have made your choice, you submit your project specifications and a qualified sales representative will usually contact you.</span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;"> </span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">However, before submitting your order you need to consider what you are looking for.<span> </span>Are you interested in just <a href="http://www.stateofcreativity.org/tag/promotional-bags/" class="st_tag internal_tag" rel="tag" title="Posts tagged with promotional bags">promotional bags</a> or are you interested in <a href="http://www.bagsonthenet.com/"><span style="none;">custom printed bags</span></a>?<span> </span>You also need to take into consideration your budget.<span> </span>Will <a href="http://www.bagsonthenet.com/"><span style="none;">customized plastic bags</span></a> fit your budget?<span> </span>You should also ask for a quote before placing an order.<span> </span>Then decide on what type of bag you are interested.<span> </span>You might also consider the following:</span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;"> </span></p>
<ul>
<li><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">Bag Materials</span></li>
<li><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">Plastic/Poly Bag Dimensions</span></li>
<li><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">Fitting Bags to Containers</span></li>
<li><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">Markable Zipper Bags</span></li>
<li><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">Zipper Bags</span></li>
</ul>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;"> </span></p>
<p class="MsoPlainText"><span style="&quot;Times New Roman&quot;,&quot;serif&quot;;">Remember, an excellent vendor will have several references that you can check before making your choice.<span> </span>They may even have examples of their work that you can view, check them out what they have, then submit your order.</span></p>
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