Exactly how Retirees Will use a real Stop Home finance loan ...

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Source: http://religiona-z.blogspot.com/2012/08/exactly-how-retirees-will-use-real-stop.html

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Health Net shares tumble, insurer slashes forecast

Health Net Inc. shares plunged Friday after the health insurer slashed its 2012 earnings forecast again and reported second-quarter results that fell far below analyst expectations.

The Woodland Hills, Calif., company said Friday it saw higher-than-expected costs from both commercial health insurance and Medicaid, which is the government-funded program that covers the poor and disabled people. It took a $61 million hit in the quarter because leftover claims mainly from the first quarter came in higher than it expected.

CEO Jay Gellert said in a statement the company is adjusting rates and taking other steps to achieve "substantial" improvement next year in its commercial business.

"We believe that we have identified and are on the path to resolving the issues in the commercial and Medicaid businesses that impacted our second quarter performance," Gellert said.

Even so, the insurer now expects 2012 earnings from its core Western region and government contracts segments to range between $1 and $1.10 per share, down from its previous forecast of $2.35 to $2.50 per share. In May, Health Net had cut that forecast from a previous outlook of $3.30 to $3.40 per share.

Analysts expect, on average, 2012 earnings of $2.30 per share, according to FactSet.

Health Net shares sank 18.6 percent, or $4.23 to $18.47 in late morning trading.

Overall, the insurer earned $124.6 million, or $1.48 per share, in the three months that ended June 30. That compares to a loss of $26.6 million, or 32 cents per share, in last year's quarter. The company's Western region and government contracts produced earnings of 19 cents per share.

Revenue rose less than 1 percent to $2.84 billion, and Health Net recorded a $119.4 million gain in the quarter from the sale of its Medicare prescription drug business to CVS Caremark Corp.

Analysts expected, on average, earnings of 66 cents per share on $2.8 billion in revenue.

Bernstein analyst Ana Gupte said in a research note she expected that Health Net would fall short of earnings expectations, but the miss and the reduced outlook were worse than expected. She also noted that an "onerous regulatory environment" in California, where the company does most of its business, may make it hard to raise prices and turnaround its performance.

Health Net provides commercial health insurance and administers Medicaid and Medicare coverage. It also works with TriCare, which provides health insurance for active and retired military members and their families, and the insurer offers behavioral health, substance abuse and employee assistance programs.

Source: http://news.yahoo.com/health-net-shares-tumble-insurer-slashes-forecast-171152960--finance.html

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The Senator Harry Reid wants most to protect (Powerlineblog)

Share With Friends: | | Politics - Top Stories Stories, News Feeds and News via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/238774183?client_source=feed&format=rss

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No escape from slump for Europe's top economies in July

LONDON (Reuters) - Europe's biggest economies endured another torrid month in July as businesses battled slumping demand, according to surveys on Friday that gave scant hope the region will emerge any time soon from a malaise induced by a paralyzing debt crisis.

Purchasing managers indexes (PMIs), which gauge business activity and have a good record of tracking economic growth, showed order books at euro zone companies shriveled last month as a downturn in Germany and France became more entrenched.

And growth in Britain's dominant services sector slowed to a crawl in July, casting fresh doubt over whether its economy will rebound from a contraction in the first half of the year.

Overall, the PMIs pointed to a recession-laden second half of the year for most of Europe's biggest economies, at odds with their portrayal of steady but unspectacular growth in Asia and the United States.

At the heart of the region's problems is the sovereign debt crisis, which has pushed government borrowing costs in big economies like Spain and Italy to unsustainable levels and stamped on consumer and businesses confidence.

European Central Bank President Mario Draghi warned the risks to economic growth in the euro zone are on the downside after its policy meeting on Thursday, while sidestepping immediate action to calm the debt crisis.

"If you look at the breakdown by country, it suggests that recession is going to be pretty broad-based and it's not purely down to developments in the (euro zone) periphery," said Ben May, European economist at Capital Economics in London.

The composite euro zone PMI rose marginally in July to 46.5 from 46.4 in June, but was still well below the 50 threshold that marks growth. Survey compiler Markit said it was consistent with a 0.6 percent quarterly rate of economic decline.

The euro zone narrowly avoided recession in the first quarter this year thanks only to the resilience of Germany.

While Reuters polls of economists last month suggested both Germany and France can still skirt recession, Italy and Spain look destined for painful economic contractions into 2013.

Official data on Friday also showed euro zone retail sales in June came in above expectations, even as growth slowed sharply from the previous month.

But the more forward-looking PMIs augured badly for future business activity in Europe. Euro zone new business orders collapsed at the fastest rate since June 2009 - a much worse situation than portrayed in the flash reading two weeks ago.

GERMANY FLOUNDERS

While companies in Italy and Spain performed particularly poorly in July, the PMI showed the euro zone's biggest and most resilient economy is now floundering too.

"The big worry is that the downturn in Germany may be becoming more entrenched, suggesting that the largest euro economies are seeing convergence in collective and mutually-reinforcing decline," said Chris Williamson, chief economist at survey compiler Markit.

Germany's services sector expanded unexpectedly in July, that but failed to offset a manufacturing economy that contracted at its fastest pace in more than three years.

Job losses also mounted among euro zone companies last month, at fastest pace since January 2010.

By contrast, U.S. employment data at 8:30 a.m. EDT (1230 GMT) are expected to show a modest rise in the number of non-farm jobs during July.

Britain's Markit/CIPS services purchasing managers' index unexpectedly fell to 51.0 in July from 51.3 in June, its lowest level since December 2010 and only marginally above the 50-mark that separates growth from contraction.

Coming on top of the weakest manufacturing figures in more than three years, and sluggish construction growth, the services PMI pushed Markit's composite measure of British output growth in July down to 49.5 from 51.1 -- its first contractionary reading since the depths of the financial crisis in April 2009.

"They are weaker than what we would like to have seen," said Peter Dixon, economist at Commerzbank.

"We didn't see any rebound in those figures following the June dip, which we perhaps could have expected -- it's indicative of the fact that the economy is very definitely losing momentum."

Sweden provided a rare bright spot in Europe. Its services sector surged at its fastest pace in more than a year, as the PMI rose above 50 for the first time since March and defying a wider European economic slowdown.

In Asia too, the PMIs painted a much healthier picture than Europe.

The services sectors in emerging powerhouses China and India grew in July at a healthy pace, providing vital support for the two economies as manufacturing there also struggles with the global downturn emanating from Europe.

Similarly, economists expect the U.S. non-manufacturing ISM survey, due at 1400 GMT and comparable to the PMIs, to show an uptick in July to 52.1 from 51.7 in June, suggesting quickening but modest growth among service sector firms.

(Reporting by Andy Bruce; Editing by Toby Chopra)

Source: http://news.yahoo.com/no-escape-slump-europes-top-economies-july-113404985--business.html

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Best Auto Insurance coverage ? How To Locate It The Right Way ...

Right now huge numbers of ?

Auto insurance is an insurance policy bought by the auto owner to secure guard his/her automobile against theft, accident and any other loss incurred. You can purchase auto insurance for any of your auto mobile such as vehicle, truck or bus. Auto insurance coverage not only covers insured car and insured party, but some occasions it covers third parties also. Various auto insurance coverage policies have diverse terms, norms and circumstances under which, these items are covered.

Nowadays significant numbers of auto insurance policies are obtainable in the industry and it is truly quite difficult task to purchase the best auto insurance coverage for the safeguard of your car.

Here are some guidelines, which can be used to uncover the greatest auto insurance for your black boomer.

1. To locate greatest auto insurance coverage, you are requested to make a search on your own. Very first of all go to nearby auto insurance providers. Compare auto insurance quotes offered by them. Most of auto insurance providers have their web sites, you can go there and request for vehicle insurance coverage quotes online, if you own a car. Compare their quotes and uncover greatest auto insurance coverage for your car. Usually remember that bargaining is the important to buy cheap auto insurance coverage.

2. Following comparing auto insurance quotes apply for the very best one particular for you and your vehicle. Whilst applying offered them facts as a lot as you can such as your name, address, zip code, your marital status, automobiles annual commuting miles and safety features since as default they can offer you you high quotes without having any precise advantages. Hence, to buy a low cost and finest auto insurance constantly give complete details about you and your car.

three. At times insurance coverage organizations give specific provides. Thus always look for provides, as they can deduct your premium from $200 to $400.

four. Just before signing your application form read each and every and each point of fine print, as they can protect your correct.

With keeping these simple guidelines in thoughts you can locate finest auto insurance coverage policy.

For more information, please go to: return to site

Source: http://blog.ilove3c.com/2012/08/03/best-auto-insurance-coverage-how-to-locate-it-the-right-way/

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Fashion agenda: Fashion weeks arrive in Scandinavia

Denmark launches fashion week season in the Scandinavian countries August 8, with labels including Anne Sofie Madsen and Odeur on the lineup for Copenhagen Fashion Week.

Lakm? Fashion Week
August 3-7
Mumbai, India

Jointly organized by beauty brand Lakm? and fashion events company IMG, Lakm? Fashion Week aims to integrate India into the global fashion world. Now in its 13th year, the event will host over 80 designers, while special beauty expert guests include Kapil Bhalla, who has designed makeup looks for major Bollywood stars including Shilpa Shetty.
http://www.lakmefashionweek.co.in/index.php

Copenhagen Fashion Week
August 8-12
Copenhagen, Denmark

Kicking off fashion week season in the Scandinavian countries, the Spring/Summer 2013 edition of Copenhagen Fashion Week will feature a range of Danish and international fashion talent, with homegrown designer Anne Sofie Madsen presenting alongside global labels including French Connection and Odeur.
http://copenhagenfashionweek.com/

Stockholm Fashion Week
August 13-19
Stockholm, Sweden

While August is traditionally a calm month in the realm of fashion, this isn't the case for Scandinavian countries, with Stockholm Fashion Week and Oslo Fashion Week taking place concurrently. On the lineup for the former are top Swedish designers including Heart of Lovikka, Kay Senchai and Aniv von Borche -- who has already charmed fashion capitals including Milan and New York.
http://www.stockholmfashionweek.com/index.php

Oslo Fashion Week
August 13-19
Oslo, Norway

Established in 2004, Oslo Fashion Week is well known for being the first country to ban fur during a fashion week back in 2010. It attracts top Norwegian creators including Fam Irvoll and Kristine Vikse.
http://www.oslofashionweek.com/

Mercedes-Benz Fashion Festival Sydney
August 21-25
Sydney, Australia

Mercedes-Benz Fashion Festival Sydney is unique because it provides the general public with access to designer collections, with fashionistas down under able to purchase an array of VIP packages and show tickets. Some of Australia's best loved designers are on the lineup, including Alice McCall, Lisa Ho and Jayson Brunsdon.
http://mbffsydney.com.au/

New York Fashion Week
September 6-13
New York, USA

Kicking off fashion week season in the world's major fashion capitals is New York Fashion Week, with the biggest names in US design including Michael Kors, Alexander Wang, and Calvin Klein presenting their Spring 2013 collections.
http://www.mbfashionweek.com/home

London Fashion Week
September 14-18
London, UK

Some of London's most exciting rising talents including Mary Katrantzou and Louise Gray join British fashion heavyweights including Paul Smith and Burberry Prorsum on the lineup for the London Fashion Week Spring 2013 shows.
http://www.londonfashionweek.co.uk/

Milan Fashion Week
September 19-25
Milan, Italy

With the fashion week season in full swing, a host of Italy's finest creators such as Dolce & Gabbana, Armani and Prada will take to the runways to showcase their Spring 2013 creations.
http://www.cameramoda.it/en/fashion-show/101_Milano_Moda_Donna/

Paris Fashion Week
September 25-October 3
Paris, France

Still considered to be the most prestigious fashion week of all, Paris Fashion Week will welcome luxury houses including Chanel, Yves Saint Laurent and Lanvin to present their Spring 2013 designs.
http://www.modeaparis.com

Source: http://news.yahoo.com/fashion-agenda-fashion-weeks-arrive-scandinavia-100746007.html

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Social Media & Social Networking--How to Do It Better | Business ...

On my recent trip to Australia, I got the chance to record this video with my friend Dan Garlick, a networking expert from Tasmania.? In the video, we talk about the best ways to integrate face-to-face networking with social media and social networking in order to achieve the best possible results from your all-around networking efforts.

Watch the video to learn the best ways to approach face-to-face and online networking integration for a stellar outcome no matter where in the world you are (If Dan can do it from Tasmania?the bottom of the world?so can you! ).

Source: http://businessnetworking.com/social-media-social-networking-how-to-do-it-better/

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