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Leveraging Property To Buy Property

Many lucky homeowners are using equity they gained during the recent bull market in real estate to purchase second homes. Leveraging one property in order to acquire another can be a solid investment strategy, as you increase your investment portfolio one step at a time, and one house at a time, by using each new asset to help pay for another one.

Banks will normally scrutinize credit reports and income documentation more stringently when you borrow to buy a second home, because they want to make sure that both of your mortgage obligations can be paid each month without a problem. And they may require larger down payments and charge slightly higher loan fees or interest rates than they did when you bought your first home. Nevertheless, many homeowners find it easy to qualify for new loans, and this is especially true for those who maintain excellent credit ratings. With the potential to profit from your purchase through equity appreciation, the repayment of a second mortgage is often easier than it was for a first mortgage.

For those who plan to use the second home as an income-producing property, there are also available tax deductions. As a landlord, you can usually deduct such things as repairs, utilities, and even routine trips you take to visit your property and check on its upkeep. Many investors combine their use of the second home, so that it is rented or leased sometimes, and at other times it is used as a personal vacation home. When you arent making money by leasing it to others, you save money by not having to pay for hotel lodging at vacation time. A qualified tax planner can help you find all of the various tax advantages to spending your vacations in your own second home.

When applying to secure a loan for an income producing second home, it is a good idea to present your lender with a thorough business plan and any documentation that illustrates the practical income potential of the property. If the previous owner made a profit each year by renting it out as a holiday retreat in the summertime, your lender will be more inclined to have confidence in your own ability to manage the property for extra income. One good way to show income potential is to hire a professional appraiser, who can do a market analysis of your property by comparing it to similar income-producing properties in the same area.

Another popular way to finance a second home purchase is by using an equity line of credit based on the value of ones first home. Banks typically charge more interest for these loans, but you are able to avoid many of the closing costs that are associated with originating a separate mortgage. And regardless of whether you apply for a mortgage or an equity loan, you may be eligible for tax deductions of interest payments and other related expenses.

Sony SmartWatch 2 will launch at 9 September

Jakarta – In June 2013, Sony has introduced smart watches, Sony SmartWatch 2. Previous smart watches is reported to be released on July 15, 2013. But, then again Sony deliver a new launch date for the SmartWatch 2 on 9 September 2013.
If ordered through Clove website, you can get 2 SmartWatch soon after launch. This smart watches IP57 certified. So SmartWatch 2 can be brought into the water up to a depth of 1 meter for 30 minutes. In addition, the SmartWatch 2 also anti dust.
Sony SmartWatch 2 had 200 applications. The developers can also access the API (Application Programming Interface) to add the application. This device is compatible with all types of operating system Android 4.0 and above. This watch is also equipped with NFC technology (Near Field Communication).
With smart watches SmartWatch, the user can answer or ignore the call. SmartWatch 2 also displays incoming phone call notifications and missed calls. Wearable device also has a calendar and weather applications and other applications that can be downloaded on Google Play Store. Sony Smartwatch 2 will be priced at U.S. $ 181 or about USD 1.8 million.
Besides Sony, other technology manufacturers like Apple, Microsoft, Google and others are now also working on smart watches. It is estimated that smart watches will emerge from 2014. Wearable devices or devices that can be used are likely to soon become a new trend in the technology market.

Dcor your wardrobe with striking fashion jewelries

Having jewelries in the wardrobe that are up to the fashion is a must for most women. Fashion jewelry can be of two types, that are less expensive than the real thing but looks as good and then there is jewelry that makes a fashion statement. However, a female do have the cravings for the both varieties. A wholesale fashion jewelry shop can offer you to choose a few different colors ranging from neutrals beige, white, gold, tan, silver, and black to more upbeat colors such as red, blue, pink, green, and purple to add a bit of fun to your outfits.

You can often buy many pieces of fashion jewelry to fit any season or to match any type of attire when you are purchasing fashion jewelry on wholesale shops for a less expensive price. Even you can simply tuck them away if they go out of style hence the cost being fairly cheap. Designer jewelry can be often purchased in different types such as plastic or metal which can be bought in earrings, necklaces, bracelets, lockets, ankle bracelets, and broaches which of all these pieces can enhance and complete a beautiful outfit. With the right piece of jewelry you can pull it all together in spite of the style you are going for, such as classic, elegant, business, or casual.

It is wise to buy accessories that will go with the majority of your wardrobe and maybe a special piece or two for your dressier outfits if you are much particular about your budget. And this will save your money in the fullness of time since you can use your new jewels to mix and match with your entire wardrobe and thereby can avoid paying for a new piece for each outfit. Majority of the people prefer simple chains, hoop earrings, elegant charm bracelets, and a selection of other similar pieces which are perfect for any wardrobe, but it will be elating to choose a few different colors ranging from neutrals beige, white, gold, tan, silver, and black to more upbeat colors such as red, blue, pink, green, and purple to add a bit of fun to your outfits.

You can go for fashion jewelry with gems and stones for more classy pieces of in them instead of being replica. Though they are more expensive than other accessories, they can definitely bring a smile to your face. It will be thrilling to buy a new piece of jewelry to add to your wardrobe especially when you receive it as a token of love. With proper care of your jewelry you will have it safe for a long time and can make use of them whenever they come back into style again.

Classic wholesale fashion jewelry often includes things such as pearls, semi-precious stones, diamonds, rhinestones, gems, and many other well liked stones and these pieces can range accordingly depending on how much you want to spend.

Getting Into the Fashion Industry

The fashion industry is big business and there will always be a wealth of potential designers and models desperately trying to get their foot in the door. In such a major industry it goes without saying that the competition is fierce and many will get left at the wayside. However, for those truly willing to apply themselves and ride a little luck it’s always going to be possible to make it. Of course for the fashion industry there are a few prerequisites and some things you can do to boost your chances.

Outgoing Personality

Flamboyant may be a better word for this as many of the biggest and most popular designers out there are renoun for this. You need to be confident to get anywhere in the fashion industry. It could of course be said that you need confidence to get ahead in any industry, but for the fashion industry it counts doubly. If you want to get yourself employed or get noticed you have to exude confidence and not be afraid to make yourself heard.

Ambition

Similarly to being outgoing you have to be fearlessly ambitious. Take advantage of any opportunity to get ahead and don’t be afraid to step on anyone’s toes. It might seem callous but the fashion industry is a brutal one, so don’t take any prisoners. When applying for a position, don’t be timid. Let them know what you’re willing to do to get ahead. If an employer thinks your ambitious then they’ll be more likely to give you the opportunity to prove it. Don’t be humble, but also don’t be arrogant. If you didn’t think you where capable you wouldn’t be trying in the first place.

An Eye for Style

This is obviously the first vital thing that a fashion designer needs in their arsenal. This isn’t something you can just learn but immersing yourself in fashion can really help to hone your understanding if you have that initial creativity. From Wille to Dolce & Gabbana you should know about it. Fashion ranges greatly from the stick thin catwalk to plus size clothes, so be aware of a range of styles. Fashion is always about the next big thing so if you know that you can bring this then let any potential employer knows about it.

Experience

A little experience can go a long way, even if it’s just part time working in a designer store. Working in related jobs might not be your intended end but can be a means to an end. This shows direction and will be taken into account in an interview. It will never do you any harm to have a little experience to back up your CV.

Include Healthy Lifestyle Tips Into Daily Routine And Turn Your Each Day Into Big Reward

Time and again we come across with free advices on good nutrition and healthy lifestyle by doctors, elders, teachers and even friends too. Unfortunately, these free advices taken for granted by majority of individuals. Truly speaking, unlike dozens of free advices, advices on healthy lifestyle are really helpful and require attentiveness. A healthy and good nutrition is the key to overall health. A nourishing diet and selection of right foods is essential for long life and healthy living. A balanced diet not just intensifies your bodys ability to recover but also boost individuals energy and strength. A healthy and fulfilling diet includes fruits, vegetables, meat, fish, grains and good fats.

Leading a healthy lifestyle does not mean that to led a boring life i.e., to survive only on plain food and eateries. It is just that slough off such eateries as much as possible. You just need a determination to change our bad eating habits into good and healthy ones. A healthy lifestyle keeps our body strong, ward off degenerative diseases, superfluous energy and positive outlook. Indeed healthy lifestyle is a challenge for many of us but here are some tips that will ease your path to healthy living.

Daily physical activity- Exerting on daily basis gives a positive impact on your life. Besides keeping your mind cool and healthy, physical activity is also a natural stress-reducer and also helps to lower anxiety.

Healthy food choices- Undoubtedly, a healthy and well-balanced diet improves overall body functioning. One should avoid high-salt foods, fast foods, read meat, foodstuffs that are high in saturated fats, caffeine and fermented cheese and focus on healthy recipes.

Including vitamins and minerals in food- Addition of appropriate amount of vitamins and minerals is essentially required in daily food. Eat lots of fruits and vegetables to get rid of the high sugar, processed foods.

Surround yourself with optimistic and motivated people A strong support system is very crucial in life. Hence always try to be in the company of empowered and optimistic people as such individuals will boost your morale to achieve set goals and ambitions.

Take a break A break from overly busy schedule is highly required for healthy living. Give yourself one day or a week break and enjoy the time off to the fullest with family, friends or with loved ones.

Take healthy and timely sleep- Inadequate sleep can cause various problems like unnecessary stress, distraction, bipolar disorder, depression, high blood sugar level, fatigue, irritation, drowsiness and to name a few. So, in order to stay healthy, fit and fine one should add healthy sleeping schedules in his/her daily schedules.

Apart from all the above-mentioned healthy lifestyle tips, one should also eat meals properly at set timings and be patient with oneself. On the whole, creating a healthy lifestyle is not a Herculean task rather it just require a dedication and commitment towards hale and hearty life.

Scientific Research Into The Benefits Of Montessori Education

The University of Virginia conducted a variety of studies on academic performance, social skills, behavioral tendencies and psychological norms of Montessori students who were five and twelve years of age. They then did comparable research on non-Montessori school children of the same ages. The study was recently published in the academic journal Science by Dr Angeline Lillard, one of the universitys professors of psychology at their Charlottesville campus. The results of the study lead to surprising headlines on mainstream media sources such as the Guardian in the United Kingdom and CBS in the United States.

In brief, the Montessori Method was developed over nearly four decades by the education and psychology specialist Maria Montessori. Her research and implementation of what is now the Montessori Method started at the beginning of the 20th century and has continued to be implemented in its purist forms and in other cases contextually adapted to meet social and cultural norms. The core principles stay the same regardless of contextualization though. First and foremost, the student is provided a safe and stimulating environment where they are granted the authority to follow their natural instinct to gravitate towards wanting to learn. Teachers guide students through the self-directed learning process and play the role as the facilitator and observer more so than the traditional teacher model. Sharing, fairness and inter-age socialization are encouraged while the system downplays the need for competition and stress in the classroom. Testing and grading is not a standard within the original methodology, but in countries such as the United States, children do complete the national standard exams. The culture of a Montessori school is sharply different than non-Montessori schools but the goal of educating the students is the same. But which is more effective?

Researchers from The University of Virginia found that the five year olds at Montessori schools had better math and reading skills and tested better than those pupils at public and non-Montessori private schools. Even without regular testing (as in public schools), the Montessori students were able to spell, utilize grammar and execute punctuation better. Their socialization and problem solving skills were vastly more developed over their counterparts as well.

Although Montessori twelve year olds scored similarly in math and reading skills on examinations, those who were observed and tested were significantly more creative and sophisticated with their writing skills. But due to the inter-age interaction and methodology of the Montessori school system, children demonstrated a more secure sense of self, and scored much higher on social and behavioral tests.

The research suggests that the Montessori Method is in fact the better education system, but Dr. Lillards main conclusion is that she is looking forward to further researching the topic nationally and potentially internationally to come up with more conclusive evidence.

Sports Watch Features That You Really Want

There are tons of great watches around, many of them have lots of features, so it is just a matter to pick up the main 1 or 2 features and make your search in according to these. If you don’t make a clear choice, you may get lost in the endless offers. Whatever features you get on top of the main ones will just be a bonus.

For an easy orientation I made a quick list of the main sports watch features.

Resistance to Water

The water resistance is, I would say, the most important feature of any sports watch. No matter what sport you are dedicated to, you will still need a water proof watch. Even just rain could cause serious damage. Just choose a suitable level of water resistance in according to what you do. The water resistance choice is huge and goes from about 10 meters up to 500 meters suitable for diving. These are often also resistant against salt.

GPS

Everyone who goes hiking or tracking to remote places should seriously consider a watch with GPS. GPS will facilitate you getting on the right path. But if you feel that GPS is too much of a luxury for you then definitely get a watch with at least a built-in digital compass.

Weather Features

Handy features that are related to the weather are mainly sunrise and sunset data, thermometer, barometer, altimeter or a altitude memory. These features will make your trips under extreme conditions or when hiking in the mountains even more exciting.

G Shock

G shock watches are very popular these days and no wonder. G shock watches are super resistant to all kind of knocks and shocks and makes the watch super durable.

Features Perfect For Running

Running is a very special sport when it comes to watch features. For running you will need mainly heart rate monitor and a good quality stopwatch and timer.

Watch Band

The choice of watch band will likely affect how you feeling about your new sports watch. It probably is wiser to first make your choice based on features and then get the ideal band later. A permeable watch band would be my choice, as I don’t like a sweaty wrist. A good material for sports bands is titanium – super solid, very durable and very light.

Brand Name

When choosing a sports watch you don’t want to overlook the brand name. It might seem cliche but still – the brand can be an assurance of high quality and durability. At the top of the range of sports watches there are brands like Casio, Timex, Invicta and Garmin.

OpenMP 4.0 Specifications Released

The OpenMP 4.0 API Specification is released with Significant New Standard Features

The OpenMP 4.0 API supports the programming of accelerators, SIMD programming, and better optimization using thread affinity

The OpenMP Consortium has released OpenMP API 4.0, a major upgrade of the OpenMP API standard language specifications. Besides several major enhancements, this release provides a new mechanism to describe regions of code where data and/or computation should be moved to another computing device.

Bronis R. de Supinski, Chair of the OpenMP Language Committee, stated that “OpenMP 4.0 API is a major advance that adds two new forms of parallelism in the form of device constructs and SIMD constructs. It also includes several significant extensions for the loop-based and task-based forms of parallelism already supported in the OpenMP 3.1 API.

The 4.0 specification is now available on the 

Standard for parallel programming extends its reach

With this release, the OpenMP API specifications, the de-facto standard for parallel programming on shared memory systems, continues to extend its reach beyond pure HPC to include DSPs, real time systems, and accelerators. The OpenMP API aims to provide high-level parallel language support for a wide range of applications, from automotive and aeronautics to biotech, automation, robotics and financial analysis.

New features in the OpenMP 4.0 API include:

· Support for accelerators. The OpenMP 4.0 API specification effort included significant participation by all the major vendors in order to support a wide variety of compute devices. OpenMP API provides mechanisms to describe regions of code where data and/or computation should be moved to another computing device. Several prototypes for the accelerator proposal have already been implemented.

· SIMD constructs to vectorize both serial as well as parallelized loops. With the advent of SIMD units in all major processor chips, portable support for accessing them is essential. OpenMP 4.0 API provides mechanisms to describe when multiple iterations of the loop can be executed concurrently using SIMD instructions and to describe how to create versions of functions that can be invoked across SIMD lanes.

· Error handling. OpenMP 4.0 API defines error handling capabilities to improve the resiliency and stability of OpenMP applications in the presence of system-level, runtime-level, and user-defined errors. Features to abort parallel OpenMP execution cleanly have been defined, based on conditional cancellation and user-defined cancellation points.

· Thread affinity. OpenMP 4.0 API provides mechanisms to define where to execute OpenMP threads. Platform-specific data and algorithm-specific properties are separated, offering a deterministic behavior and simplicity in use. The advantages for the user are better locality, less false sharing and more memory bandwidth.

· Tasking extensions. OpenMP 4.0 API provides several extensions to its task-based parallelism support. Tasks can be grouped to support deep task synchronization and task groups can be aborted to reflect completion of cooperative tasking activities such as search. Task-to-task synchronization is now supported through the specification of task dependency.

· Support for Fortran 2003. The Fortran 2003 standard adds many modern computer language features. Having these features in the specification allows users to parallelize Fortran 2003 compliant programs. This includes interoperability of Fortran and C, which is one of the most popular features in Fortran 2003.

· User-defined reductions. Previously, OpenMP API only supported reductions with base language operators and intrinsic procedures. With OpenMP 4.0 API, user-defined reductions are now also supported.

· Sequentially consistent atomics. A clause has been added to allow a programmer to enforce sequential consistency when a specific storage location is accessed atomically.

This represents collaborative work by many of the brightest in industry, research, and academia, building on the consensus of 26 members. We strive to deliver high-level parallelism that is portable across 3 widely-implemented common General Purpose languages, productive for HPC and consumers, and delivers highly competitive performance. I want to congratulate all the members for coming together to create such a momentous advancement in parallel programming, under such tight constraints and industry challenges.
With this release, the OpenMP API will move immediately forward to the next release to bring even more usable parallelism to everyone.
 – Michael Wong, CEO OpenMP ARB.

HP Series 600 G1 ProOne Simplify Daily Fulfillment

JAKARTA – HP Series ProOne ProDesk 600 600 G1 and G1 show business for AiO devices and desktop PCs with the latest design and latest selection of 4th generation Intel Core processor at an affordable price.
Each device allows the user to easily meet daily business needs with a choice of Windows 8, Windows 7, HP Device Support Assistant, HP Client Security applications and strong to protect the data, device and identity.
Increased productivity with HP ePrint for quick and easy wireless printing, as well as DTS Sound for rich audio sound.
ProOne HP AiO 600 G1 is the enterprise-class has a space-saving design with powerful PC performance and secure.
HP ProDesk G1 600 series offers the most popular form factor with the availability of a stable cycle of up to 30 months and to meet everyday business needs with performance and reliability.
Multitasking helped with the choice of storage solutions solid-state drive that makes files and applications together quickly.