Saturday 19 November 2011

9 Tips for Selling Your Home This Season

By Walt and Ali's Team
Tips to help homeowners sell their home faster and for more money during the winter months. 
 Think that the winter months are the worst time to sell real estate and that homes don’t sell?  Think again!  While home sales do tend to slow down over the winter months, nothing is more serious than a Buyer looking at properties over the holiday season.  These Buyers are motivated and are carrying their checkbook with them, ready to buy the house of their dreams.
So how can homeowners capitalize on these Buyers?  Follow these 9 tips:
1.)  Focus on curb appeal. Fall and winter months can be drearier than the spring and summer with their greens and flowers, however having raked your leaves, trimmed your hedges, cleaned the gutters and your yard will make a big impact on curb appeal for short money.
2.)  Play with the season. Homeowners can brighten up their landscape and make their home seem more inviting by using pumpkins, wreaths, holiday greens or decorations like a bright bow on the front door.  Too much decorating can have the opposite effect so try to decorate without over-cluttering.
3.)  Make your home sparkle!  Wow your Buyers when they walk in the door.  Cleaning your windows so that they sparkle inside and out, polishing floors to a high gloss, and bleaching dull grout are all ways to subtly impress Buyers and demonstrate a well maintained home.  And don't forget to clean the drapes and dust all the corners.
4.)  Bring in color. With accessories and don't be afraid to layer!  Light colored hand towels, kitchen linens and throw blankets are all ways to add color to your home without overwhelming the Buyer.  Layers also lend to a feel of elegance and make areas look more appealing to a Buyer's sense of sight.
5.)  De-odorize! Nothing can kill a deal faster than strong odors!  Pets and cigarette smoke are two odors most often complained about, but strong deodorizers can have negative effects on the senses as well.  Clean your home well, have smokers step outside and use light scents such as vases of fresh cut flowers, baked goods or stews in crock pots to entice your Buyers through their sense of smell.
6.)  Keep your home clean during showings. Have a mat outside to brush snow or mud off shoes, and another one indoors for the Buyers to take their shoes off during showings.  You can print up a nice note to put on a table inside your front door asking them to do so.
7.)  Connect with the Buyers. Treats wrapped in colored cellophane and water bottles on the counter are a nice and add a personal touch.
8.)  Flattering photos.  On-line pictures are usually the first way Buyers see the houses they visit.  For this reason, the on-line pictures must be clear and flattering.  Details are very important, so make sure the pictures are properly oriented- not upside down or sideways, remove any clutter visible through the lens-around the room, on tables and counters, remove trash barrels, and pay attention to the shades so that light is let in and they are placed at the same level.
9.)  Easy Access. This may seem to go without saying, but a Buyer cannot buy a house if their agent cannot get them in to see it!  Try to make your home as accessible as possible, especially during this season.  Restricted hours, accompanied showings and 24 hour notice are all ways of making it more difficult to show your home.  While Buyers may make an appointment for another day, they also may find the home they are willing to buy before then, so try your best to give access.
Following these nine tips and listening to your agent regarding pricing your home to sell will help move your home faster.  Buyers are buying the homes that show the best, so do your best to make your home at the top of the list!
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Nook Tablet Gives Kindle Fire a Run for Its Money [REVIEW]

by
 When I told people I was reviewing the Barnes & Noble Nook Tablet, the first thing they asked me was: “Is it better than the Amazon Kindle Fire?” The second thing they asked was, “Should I buy it instead of the Apple iPad?”
To both questions, here’s the short answer: It depends.
Barnes & Noble’s $249 Nook Tablet is both a slick rebranding of an existing product, the Nook Color, and an excellent version 2.0 of that very same device. Spending time with the Nook after having reviewed Amazon’s Kindle Fire is an edifying experience.
The Kindle Fire’s quirks, of which there are many, are hallmarks of a 1.0 device. After having tested the Nook Tablet, I’m more certain of this than ever. Barnes & Noble, which released the Nook Color in late 2010, has had almost a year to refine the platform (Android 2.1 to Android 2.3). Barnes & Noble’s tablet hardware, though not perfect, is more stable and much better aligned with its software subsystem.
Like the Kindle Fire, The Nook Tablet is a device that works right out of the box. It’s tied to your Barnes & Noble account so you can buy books and magazines immediately. If you’ve ever seen the Nook Color, the Nook Tablet looks the same. (It’s 49 grams lighter.)
The similarities are more than hard-shell deep. The devices share the same screen resolution: 1024×600 (same as the Kindle Fire) on 7-inch screens, the same book content (2.5 million titles), and Wi-Fi, but not 3G service (just like Amazon’s Kindle Fire).
I prefer the Nook Tablet’s design over the Kindle Fire – it’s a bit lighter, and I like the left-hand corner cut-out, which my thumb used to steady the device. It just looks friendlier.
The Nook Tablet is more powerful than its predecessor. It has 1 GB versus 512 MB on the Nook Color, and a 1GHz CPU versus 800 MHz on the Color. The Tablet also adds a microphone (which lets you record yourself, page-by-page, reading children’s books—sounds exciting, but the implementation is not great) and the ability to stream movie content.
How do those stats compare to the Amazon Kindle Fire? The Nook Tablet is a little stronger. They both have 1 GHz, dual-core CPUs, but the Fire only has 512 MB of RAM. In my tests, this gave the Nook a bit more pop, and smoother screen interaction.
A Better Look
 While both the Kindle Fire and Nook Tablet run the exact same Android OS (2.3), I now prefer the Nook Tablet’s implementation. The whole interface is cleaner and brighter. Amazon went with a lot of dark colors and an austere look. The Nook’s interface is refined, yet friendly.
As on the Amazon Kindle Fire, there is a “Daily shelf” on the Nook Tablet’s home screen, but it really doesn’t look like a shelf. It shows your most recent purchases. You can drag and drop anything from that shelf to a “permanent” spot on your main screen—a very nice touch.
To see your recently accessed files, you use the “More” drop down in the upper-right hand corner of the interface. It’s not a great name. “My Activity” would make more sense. The menu is well organized, showing Periodicals, Books, Files and TV Shows, though I wish it wasn’t black.
Barnes & Noble’s Nook Tablet has a few more buttons than the Kindle Fire, but they’re well-placed on the outer, rounded edge. All enhance the device. There are physical volume buttons, a power button and a “n” Nook button on the face of the device, just below the screen. It’s your home button and is just as useful as the one on the Apple iPad.
On the Nook Tablet, “n” brings you back to the main screen and pulls up a master menu that includes “Home” your Library, shop, universal search, Apps, the Web browser and Settings. While not totally avoiding the tiny type that pervades Amazon’s device (the controls and notifications when you’re in an app could be measured in a few pixels), the Nook Tablet’s menus are often more readable.
Content Consumption
 The Nook Tablet is, like the Fire, a content consumption device. It’s for reading books, perusing colorful magazines, watching movies, listening to music, and playing with apps. For the most part, the Nook compares favorably, if not better, than the Kindle Fire in these areas.
Book reading is a pleasure on the Nook Tablet (take it into one of Barnes & Noble’s stores and you can read any book for free for one hour) and if I sign into my Barnes & Noble account on any device and let each device sync up, I never lose my place. Magazines look fantastic on both devices, though the Nook Tablet may have a slight edge. The device has a special “VividView” touch screen which puts the actual image much closer to the glass covering.
As a result, the magazine images I viewed on the Nook Tablet has just a bit more pop than similar (or even the same ones) I viewed on the Kindle Fire. The difference is small, so I wouldn’t go making your buying decision based on this one metric. As for the magazine reading experience, it’s good on both devices, as long as the publisher does the extra work to make all of the type readable. Rolling Stone, for example, lets you read in magazine or reader layout (I had to use the former to effectively read articles).
The Nook Tablet, though, is not quite as complete a content consumption device as the Kindle Fire. Yes, I get Hulu and Netflix on the Nook device. The Netflix interface was built for the Nook Tablet and it looks pretty good — no Netflix interface is great. What I don’t have on the Nook Tablet is access to Amazon’s library of premium rental movies. The Nook Tablet doesn’t currently have an option for first-run movies. Too bad, because I bet they’d look great on this screen.
Sour Notes
 Similarly,the music experience lags behind what I found on the Kindle Fire. With Amazon, I can stream the music from my personal cloud or buy whole albums directly through the device and start playing them immediately (both the Fire and Nook Tablet, by the way, do an excellent job of letting you play music while doing something else, like reading). There is a music player in the Nook Tablet, but it’s really for side-loaded music.
Initially, all it had in there were tracks I recorded for the children’s book feature. With no music store, I’m left to choose from the nice, pre-loaded Pandora app that makes it easy to log on and start streaming music or I can use the clunky and often confusing Rhapsody app to select individual albums or songs. You can download and play songs offline, but the experience is not nearly as seamless as it is on the Kindle Fire (or iPad, for that matter).
Amazon relies heavily on the cloud for all extra storage and for access to your digital content. This is both a strategy and a necessity. The Fire has 8 GB of internal storage. The Nook Tablet, which has 16 GB inside, has a Micro-SD slot (which can support up to 32 GB). I added my card and was able to peruse it on the device. You can’t do that with the Kindle Fire or the Apple iPad—which has no accessible file system for end users. You can put MP3 files on the card and play them, but the Nook Tablet does not recognize all file types. I could not, for instance, play back my AVI and MOV video files.
App Happy

The App experience on the Nook Tablet is generally good. There are, as on the Kindle Fire, hundreds of apps designed for the device. No, there is no official Twitter app, so I had to use Seesmic—it’s just OK. As with the Kindle Fire, e-mail is an app and not resident on the home screen. This must be an Android 2.3 quirk. However, I much prefer the Nook Tablet’s bright and more readable e-mail interface. The Nook Tablet’s fonts are slightly larger and the background is white with blue accents. Setting up my Gmail was simple in both platforms.
Both new tablets have Web browsers, but The Kindle Fire’s is special. It’s called Silk and should get faster with each passing day (so far it’s fast, but not noticeably more so than before). As for the Nook Tablet, it has solid and fast web browser that renders pages smoothly. Where the Kindle Fire wins is its thumbnails and tabs for navigating between websites. The Nook Tablet browser lacks both, and when you scroll down on a web page, you’re left with no navigation at all. At least with the Kindle Fire, the tab bar remains frozen at the top of your screen.
Should You Buy?

Overall, I like the Nook Tablet a lot. Yes, it’s $50 more than the Kindle Fire. This is the price you pay for the extra memory, storage and microphone. It may also be so Barnes & Noble doesn’t lose money on every device. I’m disappointed that Barnes & Noble didn’t understand the magic price point of $199. But if you can look past that lost 50 bucks and do not care too much about first-run movies and your music, this is a very good tablet.
If Barnes & Noble can add and improve these last two features, I’d peg it as the winner over the Kindle Fire and an even more formidable contender for the larger, app-rich Apple iPad.
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(D)emotion: It's important to take your feelings out of the sale

By Marnie Bennett, Ottawa Citizen
If there's anything I've learned over the years, it's that there is one over-arching principle for getting the most money for your home: feelings and emotions muddy home sale waters. I can't stress enough to keep them as far away from your business decisions as possible.
However, I do appreciate that it's easier said than done. Most of us have strong ties to our homes, and they invariably get in the way of the ultimate goal, which is to sell. I am often surprised by how sellers can unknowingly hinder their sale by making decisions based on emotion rather than on data. Here are the five rules you should follow to help you detach from your sale.
Choose your Realtor wisely.
1 Don't choose a Realtor because he or she looks friendly from the park bench advertisement. I tell people to act as though you're hiring a CEO for your company. Meet with at least two or three and let them know you're doing so. You need a Realtor you respect and one who has a solid plan for you.
Bar none, this is the most important piece of the puzzle because the right Realtor will guide you through the rest of the sale process. Tell them explicitly that you're interested in maximizing your profit and that you want their unvarnished opinions.
Your best friend or brother-inlaw may be a Realtor, but keep in mind this doesn't necessarily make them the best candidate for the job. In fact, it probably makes them the wrong candidate. They may have trouble being frank with you or you may be irritated when they are - either way, this isn't a desirable scenario. The last thing you want is to jeopardize a relationship.
If you should decide to act as your own sales agent, the one thing you will need is heaps of time (for research and showings), oodles of objectivity and extremely thick skin. Be prepared to deal with low offers, as potential buyers tend to offer less when faced with a private sale.
Set your price wisely.
2 There is no question that you love your home, and you feel it's worth a great deal.
But ask for too much and you're likely to scare buyers away. Your house will linger on MLS until you're forced to hang that dreaded "Reduced" banner, telling buyers that you're desperate for offers and prompting them to wonder what's wrong with your home.
Wouldn't you ask yourself those same questions in their shoes?
As tempting as it is, don't assess the home's value based on what you paid, or on how much money you've put into improvements. The more research you do into comparable homes in your neighbourhood, the better you'll be at gauging its true market value.
Attend open houses. Recognize that other homes may have desirable features that yours is lacking.
3 Come from a position of strength - and if you can't find it, fake it!
To be in the ideal negotiating position, you won't have to sell by a certain date, and you won't have a purchase riding on the sale of your home.
Realistically, though, you may have no choice; you may have a new job, a baby on the way or a conditional offer on the home of your dreams. Do what you can to keep prospective buyers in the dark - particularly if you're getting divorced. Your place should look happily inhabited, even if you're not living there anymore. You want buyers to think you've got all the time in the world, and that you're waiting to be impressed by an offer.
Stage your home
4 Staging is the perfect word for it. To maximize your return, you've got to put personal taste and attachments aside and pretend your home isn't yours anymore. I find homeowners struggle the most with this task. Ask for advice to get it looking as much like a show home as possible. If your coffee maker doesn't gleam, keep it in a cupboard. Hide electrical cords. Stow at least a third of your stuff in your mother's basement. Make it inviting and neutral, and splurge on flowers. All of this will pay off, I assure you.
Keep calm and carry on
5 Don't take it personally when buyers present lowball offers. Remember, they're not insulting you; they're testing the waters. Some sellers are so offended by low offers that they refuse to negotiate. As hurt as you may feel, don't shoot yourself in the foot. Take a deep breath and talk to your realtor about an appropriate counter-offer.
And once it's a done deal, feel free to uncork those emotions right along with a splash of champagne.
Marnie Bennett is a leading broker with Keller Williams VIP Realty in Ottawa. She has more than 30 years' experience in real estate and has led her Bennett Real Estate Professionals team to the top spot internationally for Keller Williams. Contact her at marniebennett@bennettpros.com for a free report on 6 Things You Must Know Before You Buy.
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Beer Business: Home Brewing and Ozarks Microbrews

Reported by: Ted Keller
 (Springfield, MO) -- With Ozarks Beer Fest coming up Saturday, we decided to talk more about beer in Springfield!
Beer is made commercially more and more, and demand seems to be increasing. Any beer made that's not for mass distribution is called "craft" beer, or micro-brew. We have several in town.
Long-established Springfield Brewing Company is located downtown.
"When we first opened our brewery, we wanted to focus on serving our customers," says Ashton Lewis. "And our customers at Mueller are breweries. And we really didn't want to be a competitor to our own customers. In fact, one of the larger customers when they learned that Mueller opened a brewery really weren't too happy with it."
"After we went through that experience one time, we decided that we'd focus on our restaurant operations and leave distribution business to others, using our computer control system, which is pretty nice," adds Lewis. "Most brew pubs don't have equipment like this, but because we built this to showcase our capability at Mueller, we have some features that the average brew pub really doesn't have."
(Watch the video to see where the beer is kept cold before it's sent to the taps)
"Each one of these bright beer tanks or serving tanks holds the equivalent of 30 kegs of beer and we have six serving tanks in here, so these six tanks hold the equivalent of 180 kegs of beer," says Lewis.
The key to making beer is fermentation: the conversion of simple sugars found in grains like barley and wheat in alcohol. An organism called yeast will eat the sugar and produce drinkable alcohol along with carbon dioxide gas as by-products. Breweries extract the sugar from the grains by soaking them in large vats of very warm water. After it's boiled and hop's added the wort, as it's called, is finally chilled to a temperature that yeast can tolerate and the fermentation can begin.
New kid on the block, Mother's Brewing Company, is really ramping it up. Their beer can now be found all over Springfield and the surrounding area.
"We're finding now that we're doing four to six brews per week and not being able to keep up with demand," says Brian Allen. "So the reception that we've gotten in Springfield, Joplin, and southwest Missouri has been just tremendous. So these are our four beers that we're selling right now. Three annual beers and one seasonal, which happens to be a coffee stout called Winter Grind."
Mother's has a tasting room open.
On October 14, 2978, President Jimmy Carter signed a bill that basically made it legal to make beer at home. So what's involved in making beer at home?
As a home brewer, Ted Keller says it's a fun hobby and a friend of his, Brett McGowne, has produced at least 1,000 gallons of beer since he started.
"Well, some guys like to waste their time and money fishing or playing golf and this is how I waste my time and money," says McGowne. "I was never very good at catching fish or playing golf, but I make a pretty good beer. About eight years I guess I've been brewing. I have made a lot of very good friends brewing beer. Nice, nice group of guys and gals that I brew with."While low-tech when compared to commercial breweries, and quality and variety of home brew is high-end, often matching or beating anything you can buy off the shelf. The beer of choice this session is a chocolate stout. Bret bought a beer kit at the Home Brewery in Ozark, Missouri.
"We are the Home Brewery," says Todd Frye. "We sell supplies, ingredients, and equipment to make your own beer, wine, and even cheese now at home."

"This is an ingredient kit," he says. "This is what's inside those boxes. This is malt extract, these are malted barley grains, we've got, with this one in particular is a chocolate stout so we have cocoa powder and brown sugar. We've got priming sugar, yeast, hops and irish moss, which is a natural clarifier."

"We are adding the malt to our wort," adds Frye during the process. "Basically this is processed malted grains. It's a little bit like making a cake from a box as opposed to making it from scratch. Somebody else processed this grain for me so I don't have to go through the time and trouble to do it.

"When you're brewing your own beer probably the one thing you can do to mess it up is to be lackadaisical with your cleaning and especially your sanitation. If you mess up the recipe, forget ingredients, you can do almost anything else to it and will still come out as a drinkable beer. But if you mess up you sanitation it's just junk and you gotta pour it on the ground.

"Cold water coming and a basically boiling water coming out for at least a little bit. And of course this is a very dark beer. For those people who don't think they like dark beers, this is going to taste like chocolate. So dark doesn't mean beer is bitter or tastes nasty or thick. This one is going to taste like a candy bar.  So don't judge a beer by the color. Our goal here is to give the yeast the first chance at the sugar water.  If any bacteria happens to be in there, the yeast will beat it and win."
WATCH: Ted's fermentation on Ozarks Local Live @ 4!
Beer Fest is Saturday at the Shrine Mosque in Springfield. Tickets are $25 in advance or $30 at the door. You'll be able to taste more than 100 beers and enjoy food and live music while helping out Big Brothers Big Sisters of the Ozarks. It runs 2-5 p.m. Click here for more information.
VIDEO: Beer Business Part 1
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(Reitz) Home for the holidays | PHOTOS

By Roger McBain
'Christmas Adventure' book makes house tours special
 Photo by Eamon Queeney, Evansville Courier & Press
ZACH NELSON / Special to The Courier & Press With the museum decorated for the Reitz Home Victorial Chrismas, Reitz Home tour guide Alli Hayden, right, shows the first floor parlor room to visitors Pat Koplin. left, and Susan Libbert during a tour of the historic home at 224 SE First St. on Thursday. 
A little girl and her large stuffed mouse take a fantastical, dreamlike journey through time and imagination in "A Reitz Home Christmas Adventure," a new book being unveiled Sunday in the Reitz Home Museum as part of this year's Reitz Home Victorian Christmas.
The 32-page book, written by Nick and Michelle Williams with illustrations by Connie McConaughy, tells a fanciful story, but it includes lots of details about the historic home and the family that lived in it in the late 1800s.
The authors and illustrator donated their efforts on the book and underwriters paid for its publication by M.T. Publishing of Evansville. All the money generated from sales of the $17.95 hardcover can all go directly to the museum, says Nick Williams.
When the first printing sells out, "they stand to make $18,000 on it," Williams said. All the creators signed over rights to the book, so the Reitz Home can continue to make money from it in the future.
For 21 years, Nick Williams, the manager for Lea Matthews Interiors, has decorated rooms in the Reitz Home for the museum's annual Victorian Christmas displays. It was in the museum, during a Christmas gala, that he proposed to Michelle, his wife, of 16 years.
The book is a way "to do something more lasting for the museum," Williams said. He and Michelle used their own daughter, Kennedy Williams, as the model for the girl in their story.
"It just seemed natural," said Nick Williams. "She's been involved with the Reitz Home Victorian Christmas since she could talk."
The book follows Kennedy, a young girl on a Christmas visit to the Reitz Home Museum, and Merrick, her stuffed, oversized mouse doll. Kennedy drops Merrick, then dozes off in a bedroom while hunting for him. She awakens in the 1870s, when the home's original owners lived there, and meets the family and servants as she chases after Merrick.
McConaughy, an artist, educator and Reitz Home trustee and docent, included thumbnail details from rooms in the house in her page illustrations. The idea is to give young visitors items to search for on tours, in a kind of visual scavenger hunt.
The detailed objects include stained glass windows, a concert harp, an old-fashioned toilet with an elevated water tank, an order card for ice delivery and a spool of thread.
The authors have also stashed a few stuffed Merricks and even more Merrick mouse tails around the house for children to hunt out during the Reitz Home Victorian Christmas tours.
They're tucked in among this year's holiday decorations, put up this week by local schools, nonprofit groups and other volunteers.
They'll all go on display Nov. 20, in the opening event, which will run from 1 to 5 p.m.
McConaughy and Nick and Michelle Williams will meet readers and sign books all afternoon as part of the opening. And harpist Mary Dicken will perform at 2 p.m.
Admission is $7.50 for adults, $2.50 for students, $1.50 for children 12 and younger and free for those 6 and younger. The museum is normally open from 11 a.m. to 3:30 p.m. Tuesdays through Saturdays and from 2 to 3:30 p.m. Sundays. For more information visit www.reitzhome.com online or call 812-426-1861.
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Coin investments trump the FTSE

 Investors who bought the Avarae Investment Trust haven't exactly made a mint but they have beaten the FTSE by around 10 percentage points over the past year – a return not to be sniffed at in these troubled times.
The trust has returned 4pc over the past year, compared with the index's loss of 5pc. The relatively small – £7.5m – Aim-listed fund has done well over a three-year view as well, returning 40pc compared with the FTSE 100's growth of 26pc.
You may be forgiven for thinking that behind the Avarae fund's returns lies some excellent picking of recovery stocks – but this fund doesn't invest in small or undervalued companies. Instead, the fund manager has built the portfolio entirely out of coins.
Buy a slice of the Avarae fund and you buy exposure to, among other rarities, a £1m 1344 double florin – one of only three known in the world – an Emperor Claudius aurei, and a William the Conqueror silver penny.
Of course, with an investment fund you get none of the thrill of holding a 3,000-year-old hand-beaten gold coin – a piece of history – in your hand. But you get none of the storage hassle either – nor do you have to be an expert numismatist to make money from this trend.
"The Avarae fund is the passive way to access coin investment," said Ian Goldbart of Noble Investments, the specialist advisers behind Avarae. "Financial advisers bring their clients in to the shop and they discuss the three ways to access the coin market. You can buy a silver Roman didrachm, you can buy some stocks in this company or you can buy the fund. It depends on the kind of exposure you want."
The fund is listed on the Aim market and so can be bought through a stockbroker or the London Stock Exchange website.
Avarae, launched in May 2006, may be the only coin fund of its kind in Britain, but it isn't the only alternative asset to package itself in this way.
Rare stamps have risen sharply in recent years. Stanley Gibbons, the stamp dealer, offers various "capital protected" investment plans. Customers need to deposit at least £10,000 for between five and 10 years. This buys a portfolio of between five and seven rare stamps which can be kept at home or stored and insured at Gibbons' Guernsey office for free.
At the end of the term, if the stamps have not risen in value when compared to the prices listed in its own catalogue, the company will refund investors' money. But as with other "alternative assets" this is an unregulated area, so customers' money is not covered by any ombudsman or compensation scheme.
There are also a number of funds investing in fine wine. Many certainly make persuasive claims about returns. The Wine Investment Fund's website states: "Fine wines can make you money. It is a fact." However, it does later remind investors that "past performance is no guarantee of future performance and that you may not get back the amount originally invested".
The Wine Investment Fund is open-ended and invests in fine wines specifically from the Bordeaux region. Although it has only broken even over the past 12 months, if you had invested five years ago you would have a return of 54.5pc.
The majority of the fund is invested in the five left bank "first growth" wines – Lafite, Latour, Margaux, Mouton Rothschild and Haut Brion. "First growth", also known as "premier cru" is the classification for the best of the best Bordeaux wines.
The fund has a similar fee structure to an equities unit trust – 5pc initial charge and a 1.5pc annual management charge – but investors must deposit a minimum of £10,000 for a five-year term.
The manager targets returns of 20pc at maturity.
The Fine Wine Fund is another open-ended investment investing in similar "investment grade" Bordeaux wines. With £15m under management, the fund has lost 8pc over the past year, but returned 28pc over three years and 49pc over the past five years.
There is no duty, VAT or capital gains tax to pay on wine investment or these wine funds, making it popular with tax-efficient investors.
It isn't all rosé-tinted investment, however.
Will Beck of the Fine Wine Fund said that – as with equities – wine investment is as much about timing as picking quality holdings for your portfolio.
"The fine wine market enjoyed almost two years of unchecked growth from the summer of 2009 to that of 2011, rising by around 60pc. It would not be difficult to argue that some kind of correction was due.
"The fine wine market traditionally gets spooked by macroeconomic events that lead to financial market turmoil – the oil crisis in the Seventies, the stock-market crash in the late Eighties, the Asian currency crisis late Nineties, and now the recent recession and sovereign debt crisis. Stock risk and market risk is relatively low, but when you get financial market systemic risk, then even fine wine is affected."
Patrick Connolly of AWD Chase de Vere is wary of the Wine Investment Fund and the Fine Wine Fund. He said that while wine investments had performed well since 2009, this was almost entirely due to strong demand from the emerging markets, particularly China, where Hong Kong's decision to abolish import income tax on wine has had a significant effect.
With economists such as Asianomics's Jim Walker predicting a "crash landing" for China, this over-dependence could be bad news for wine investors.
"China now imports 40pc of all fine wines produced and holds a quarter of the world's reserves," said Mr Connolly. "The investment performance of wine can be influenced by sentiment and the economic environment. In 2008, the price of wine fell by 20pc, largely due to the global economic problems at that time, and so a further slowdown, particularly in China, could affect demand."
These alternative asset classes are also unregulated, and so are recommended solely as a very small part of a balanced portfolio.
Wealth adviser Philippa Gee said she would recommend alternative investments to very few clients.
"The issues for me would be charges, liquidity, volatility, access and potential loss of capital. For some clients, I completely understand the merits of diversifying and the current markets only help to reiterate that need, but I would envisage the higher net worth investor holding wine, gold, art or antiques directly and therefore being more in control of that asset, as well as limiting it to a containable portion of their portfolio," she said.
Mr Connolly agreed. "Investors need to be aware that alternative investments come with additional risks such as requiring specialist knowledge, lack of liquidity, changing fashions, high transaction costs and, crucially, no protection from the Financial Services Compensation Scheme if it all goes wrong."
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How To Have A Personalized Home That Reflects You?

Does your home look like it is 'your home' or does it look like an hotel room decorated by a stranger? You are making a tactical mistake while decorating your home. The best way for designing or decorating your home is to have a personalized approach to it. Your home should reflect you, your choices, your tastes, your interests or hobbies. If it doesn't do so then you are living in a place that is a like a fashion ticker, a reflection of what is 'in'.

Here are some tips to help you rethink and personalize your home according to your tastes. How To Have A Personalized Home?

  • Never ever follow conventions. Conventionally your living room has to be most expensively decorated because that is the first thing tone sees. But if you are some one who works from home then you can always spend more money on making your work room plush for your comfort.
  • Be a narcissist when it comes to decorating your home. Pamper yourself with the good things you want in your home. You do not have to spend your money on anything that people expect should be their in your home. If you have no requirement for a majestic bed don't buy it. Get the most comfortable recliner instead.
  • You do not have to 'display' your best assets just because you have them. You must have seen the largest flat screen television sets and home theatres in people's living rooms. It is for the benefit of viewers not themselves.
  • An closed room is any day more appropriate for a home theatre system because of the acoustics and also the privacy you need to enjoy such a magnificent movie watching experience. If you feel your bedroom or even your store room serves the purpose better them customize your home accordingly.
  • If somebody walks into your home and cannot find an answer to the question, 'who are you' then your home is not personalized. It you are a photographer and there isn't a single photograph clicked by you in your living room then you are doing something wrong.
  • You need not necessarily be an artist but you can definitely customize your home to reflect the kind of art you appreciate. If you are fan of Kurt Cobain or the Beatles then put up a poster of your heroes on the most prominent wall in your home. Do not think for a moment that it is juvenile.
  • Ideally every home should reflect a bit of struggle because all good things come out of struggle. Don't make your house something that looks like a furniture store catalogue. To make your home look more like home, you have to do some things on your own. It could be a show rack that you have constructed yourself or a painting you choose after lots of looking around.
Use these interior decoration tips for decorating a personalized home.
Source living.oneindia.in/
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Friday 18 November 2011

Helping households save money and keep warm

If you’re desperately worried about the cost of keeping your home warm this winter, or know people who having to choose whether to heat or eat, the free Energy Best Deal service may be able to help.
The Energy Best Deal campaign is run by national charity Citizens Advice with support from energy regulator Ofgem and offers a package of energy related advice for those who really need it.
Pembrokeshire CAB advisor Kellie Bellmaine (pictured) has been trained to hold workshops packed with vital information that helps people make their homes energy efficient, ensure they are claiming the right benefits and are on the best energy tariff for them.
The workshops are aimed at those who are most at risk of falling into fuel poverty, such as pensioners and those on low income as well as volunteers and professionals who provide support services for them.
Said Kellie: “If you work with vulnerable people and want to improve your own knowledge about energy efficiency or would like me to hold a workshop for the people you work with, please contact me and I’ll set up a workshop for you. All I need is a group of eight people or more and Energy Best Deal will fund the workshop costs.”
Kellie is also looking for volunteers to help her by providing administrative back up like sending out correspondence and taking phone calls. If you can spare six hours a week or more, do contact Kellie by emailing pembscabfincap@yahoo.co.uk
In early 2011, the Energy Best Deal campaign saw some 340 energy advice workshops delivered across England and Wales by Citizens Advice Bureaux and other agencies.
An independent evaluation in 2011 showed that 80 per cent of consumers said they would probably or definitely do something as a result of the workshop. Fifty per cent said they would contact their current energy supplier, 40 per cent said they would look at other energy suppliers’ prices, and 38 per cent said they would tell friends and family what they had learnt.
Sarah Harrison, Ofgem’s senior partner for sustainable development, said: “This evaluation shows the value of Energy Best Deal which is particularly critical given the recent increase in energy prices.
“Vulnerable customers need all the help they can get to get the best deal. Ofgem is pushing forward with reforms to the retail market which will make choosing a better deal easier for all consumers by removing complex tariffs. Easy to understand prices will help make Energy Best Deal even more effective at helping vulnerable consumers.”
Gillian Guy, chief executive of Citizens Advice, said: “Citizens Advice Bureaux are seeing a huge rise in the number of clients seeking help, with fuel debts expected to soar.
“This year alone, Citizens Advice Bureaux has dealt with more than 100,000 enquiries about fuel debt and the Citizens Advice website has seen a 78 per cent increase in the number of people viewing our advice on this issue. Energy Best Deal is a vital source of information for our clients who desperately need help to save money on their fuel costs.”
For CAB/Forum lead contacts in Pembrokeshire and for information on timings and locations of sessions contact Kellie Bellmaine on email at pembscabfincap@yahoo.co.uk
For further information about the campaign, please go to www.citizensadvice.org.uk/.../fsfl_projects_energybestdeal.htm
Source www.tenby-today.co.uk/
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Making the Ontario government a more responsible parent

By Laurie Monsebraaten
“I remember sitting in my room by myself the day I turned 21,” she says. “I had been alone a million times before, but I never felt alone like I did that day.”
After spending half of her young life as a Crown ward in the care of Children’s Aid, the province was cutting her loose.
“Leaving care for me was sudden and very scary,” she recalls. “It felt like a punishment for all my growth, success and achievement.”
Justine, 24, is one of an estimated 1 million Canadians who as children have been cared for by the state.
On Friday, Justine and other young people from foster care start a bold experiment never attempted before in Canada. With the support of the Office of the Provincial Advocate for Children and Youth, they are holding their own hearings at Queen’s Park in the hope of changing the system. They want the province to be a better mom and dad to the children in its care and make their transition into adulthood more secure.
The statistics are shocking.
Just 44 per cent of Ontario’s current 8,000 to 9,000 Crown wards will complete high school and fewer still will go on to post-secondary education.
They are more likely to live in poverty, experience unemployment and homelessness, struggle with mental health and become involved with the criminal justice system.
The young people organizing the hearings have already received 150 submissions and expect as many as 300 by the Jan. 3 deadline.
They will make recommendations to the legislature next spring.
Justine, Carlos, 27, and Shanna, 20, are three young people who have first-hand experience living and leaving foster care in Ontario.
All are playing different roles at the legislative hearings, which continue next Friday. The proceedings will be recorded in Hansard. But only first names will be used to protect the youth and respect the private and often harrowing nature of their tales.
Justine is one of 48 who will address the proceedings.
Carlos is one of 10 panellists who will run the hearings and listen to submissions.
Shanna is one of four organizers.
Despite their different roles, they all have the same goal: To make the Ontario government a more responsible parent.
In a room usually reserved for the political elite, scores of foster kids and former Crown wards will gather at Queen’s Park to tell their stories of heartbreak and hope.

Justine

Justine has struggled all her life to be heard. For her, the hearings mark a turning point.
She was born in a southeastern Ontario town to teenage parents.
As a child, no one seemed to be looking out for her, even when she asked for help. Her disappointment turned to anger, then rage by the time she turned 10. In the ensuing years in foster care, she became defiant, depressed and a danger to herself and others.
Today, she says landing in the care of the local Children’s Aid Society was the best thing that could have happened to her.
But the way Ontario’s child welfare system treats Crown wards when they become adults — kicking them out of foster homes at 18 and cutting off all financial and emotional support when they turn 21 — hurts.
As a university graduate with a full-time job in a profession she loves, Justine knows she has beat the odds.
Unlike most former foster kids, she completed her education. In fact, she excelled. She graduated high school as an Ontario Scholar. She completed a four-year honours degree in social work and women’s studies on a full academic scholarship and scored at the top of her class. Then she went on to earn a teaching degree.
In 2010, she took what she thought would be a short-term job with the Windsor-Essex Children’s Aid Society as a family service worker. Instead, the job has blossomed into a career and a passion to change the system in which she grew up.
The petite blond will tell the hearings she was not always the smiling, confident young woman she is today.
“I was once a very angry girl who wanted nothing more out of life than to drop out of school and maybe become a bartender — that is if I had to work,” she says.
Her goal was “to rock and roll all night and party every day” and aligned pretty closely to the lyrics of the ’70s teen anthem by Kiss.
“I had very little faith in myself or in anyone who ever tried to connect with me.”
She bounced in and out of foster homes every six to 12 months. When she wasn’t calling her CAS worker demanding to be moved, she was running away.
By age 14, she was dating a 20-year-old. She smoked a pack of cigarettes a day. She drank, used drugs and was flunking out of school until the director of children’s services from her agency read her the riot act: Smarten up now or there will be no turning back.
“For some reason, I don’t know why, he got to me. I listened,” she says. “I started trying again. I got them to move me to a new community where I didn’t have to be a bad ass.”
By that time, the CAS had given up trying to find an appropriate foster home for Justine. Since she was 16 and legally able to request it, the agency ended official guardianship.
She moved onto Extended Care Maintenance, a program for former Crown wards that provides some social support and up to $1,000 a month for rent and living expenses.
For the next two years, she completed high school while renting rooms in the homes of people she knew — a family where she babysat, her boyfriend’s house and, when they broke up, his aunt’s house.
With her 96 per cent Grade 12 average, Justine could attend any university of her choice.
She chose the University of Windsor because that was where the CAS director who helped turn her life around got his degree.
At university, Justine learned to fly solo. She never met her newly assigned CAS worker who mailed her cheques every month. Although she stayed in touch with her former worker, she could feel her support system unravelling. She began to dread her 21st birthday.
“At the ripe age of 21, I would be ditched. Dropped. Thrown out like yesterday’s news,” she says.
“Who would I call after a long day? What if I had good news? Who would I share it with? What about bad news? What if I was struggling one month? I had no safety net. I felt doomed.”
Halfway through her third year of university she was thrust into budgeting her pay from part-time jobs and applying for OSAP loans to make ends meet.
She had never learned how to budget or save money and her debt ballooned.
But the emotional toll was worse. She had few real friends and had always poured her heart out to CAS workers. Now when she was excited or sad about something, she didn’t feel there was anyone she could call.
Odd as it may sound, the CAS was her family. After losing so much as a child, now she was losing that too.
Three years on, Justine has found love and a new family. In the hearing room Friday, her fiancé, Stephen, as well as the CAS director from her hometown, will be in the audience cheering her on.
She knows she is one of the lucky ones.
But she’s challenging the province of Ontario, “or should I say Mom and Dad,” to be better parents for the majority who aren’t so fortunate.
“Let’s brainstorm a better, more humane solution to how we treat youth leaving care,” she says.

Carlos

Unlike Justine , Carlos, 27, one of the 10 panellists, knows what it is like to be a more typical child welfare statistic. He is a high-school dropout. He has been homeless, in jail and has contemplated suicide.
“I’ve been involved in some pretty bad stuff,” says the wiry former Crown ward.
Carlos isn’t telling his story at the hearing, although he will write a submission.
A charismatic young man used to commanding an audience with his easy smile, jet-black hair and dark eyes, Carlos is excited about what he calls his next adventure.
He was adopted from the Philippines by a Mississauga couple when he was 3.
“I had a lot of love and loyalty to both of them in my heart,” he says. “But what they did really messed me up.”
His adoptive father, a brilliant accountant of Scottish-Irish descent, was a taskmaster who named him Leif-Joseph, after the Viking explorer Leif Ericson. Carlos — who took his birth name as an adult — wore his adoptive name like armour against his father’s harsh discipline.
Sadly, the name had no power over his adoptive mother, a petite Filipina who Carlos believes never loved him.
“I don’t remember her ever hugging me,” he recalls.
Carlos turned his anger and confusion into aggression at school where he acted out in class and fought in the playground. When he was 8, a child and youth worker in the school “unlocked the hurt inside” and the truth tumbled out.
He was playing road hockey with his friends the day Children’s Aid came for him.
His father yelled at him to come inside where, he recalls, a blond woman in a red dress and red lipstick was waiting with a briefcase.
Carlos wondered what was going on. His clothes and favourite toys were packed in bags by the front door. No one hugged him or told him what was happening.
“I was just sent off with this lady.”
At age 11, Carlos became a Crown ward and was placed in foster care with a warm and outgoing couple of Italian-Polish descent who had two older children of their own and a large extended family. The couple fostered several other children over the years, but Carlos was the one they took on family vacations and treated as their own.
Still, Carlos couldn’t shake his anger. He struggled academically in high school and was drawn to the power of gangs. He lived in a world of drugs, petty crime, knives and guns.
His foster parents never gave up on him though, even when he was charged as a young offender for beating up a 10-year-old who looked at him the wrong way.
He pledged to quit the gangs. But it was a promise he couldn’t keep. At 18, his social worker recommended placement in a special transition home that teaches life skills.
While Carlos appreciated the support, he spent the next three years on his own going nowhere fast. By the time he turned 21, he had neither the maturity nor experience to succeed on his own.
At 24, he had become a father and turned his anger on the baby’s mother who he still considers to be the love of his life.
“Subconsciously I sabotaged the relationship. Deep down, I didn’t think I deserved to be happy. I destroyed her and me. It is my biggest regret.
“I was still arrogant. I lost my job. I wasn’t showing up for work. I lost the insurance on my car. I lost all my stuff because I had to sell it to pay rent. And then I lost my apartment.”
Although he resisted the urge to hurl himself off his 22nd floor balcony, his downward spiral continued.
Ironically, it was his involvement in organized crime that led to his salvation: He got caught.
Police laid 16 charges. No longer a young offender, Carlos was now looking at jail time. It terrified him.
“For the past 25 years, I had taken everything for granted. I had not valued anything. I had not appreciated the freedom to be able to make money, educate myself or feel the wind on my face or the grass beneath my feet.”
After three days in jail, his former foster parents showed up at court and bailed him out. Everything changed.
He was convicted, but sentenced to 100 hours of community service at the Gateway Centre for New Canadians in Mississauga where he worked as a janitor and helped out with programming. The centre taught him how to heal and he learned to forgive himself.
In January, Carlos enrolled at Humber College in the child and youth worker program as a mature student.
“With the knowledge and experience I have, I know I can make a difference working in a group home,” he says.
When he heard about the hearings he said: “That’s it. That’s how I will make a difference. Their goals are my goals.”
Reflecting on his life, he sees how the extracurricular activities he was enrolled in as a boy — sports teams, chess club, Boy Scouts — sustained him in his teen years. It was success he could fall back on when he faced obstacles.
Every child in care should be given those opportunities, he says.
He also credits his foster family — whom he calls his guardian angels — for their unconditional love. It is a message he hopes more foster parents hear because “they are the ones who are going to make a difference.”

Shanna

Twenty-year-old Shanna, one of four young organizers for the hearings, was not blessed with such unconditional love in foster care.
As a third-year university student who turns 21 in May, she is struggling with the imminent loss of the financial and emotional support that Justine experienced three years ago.
But for someone who has lost so much, her passion to give back is remarkable. It is probably why she was the first of four former Crown wards hired by the child advocate’s office last February to make the hearings happen.
In the past seven months, she has travelled the province speaking to youth, child welfare workers, foster parents and even newspaper editorial boards to spread the word.
“This is not just an event. It is a movement,” she says triumphantly, her brown eyes gleaming with excitement.
Shanna was born in Oregon, but moved to Canada at age 7 with her mother and two siblings after her parents split up.
Her mother, who was adopted, wanted to build a relationship with her birth father in Sarnia.
But it didn’t turn out the way Shanna’s mother had hoped and the family struggled.
Money was tight. Looking back, she remembers many things weren’t right. Later, teachers told her she often showed up in class with dirty hair and clothing. She was bullied at school and hated going.
One day when Shanna was in Grade 3, she was allowed to stay home and she and her younger sister had a bath with their mother.
The three of them were relaxing in the warm water, washing one another’s slippery, soapy skin when suddenly her mother’s eyes turned black and words that made no sense started tumbling out of her mouth.
Although Shanna didn’t know it at the time — and she’s not sure anyone else knew either — her mother was a schizophrenic. Shanna thinks her mother probably thought they were evil spirits. The sound of her mother’s sudden raving and Shanna’s struggle to catch her breath as she was being pushed under the water are still seared in her memory.
Somehow, her sister escaped. Her mother fainted. But Shanna’s arms were pinned under her mother’s leaden body and her lips were barely above water.
Shanna pushed her neck up the side of the tub and both she and her mother flopped onto the cold bathroom floor beside the toilet.
Her sister was screaming and crying: “What should we do? Should we kill her?” Shanna told her to “Call grandpa!” But her sister, just 5, forgot the number and called 911.
Naked and dripping wet, she remembers being embarrassed when the male officers arrived. They took her mother away in a straight-jacket.
Initially, the three siblings were sent to live with different family friends. By the time Shanna was in Grade 5, all three were living with the same friend but visiting their mother several times a week with the occasional sleepover.
Her mother was always saying she was sorry, that she wished she was healthier and that CAS was ruining her life. Shanna remembers feeling sad and angry.
Guilt was added to those troubling emotions the following year when Halloween fell on a Thursday, the day Shanna usually visited her mother. She wanted to go trick-or-treating with her friends instead.
The next morning, giddy from candy from the night before, Shanna and her brother and sister were suddenly told they didn’t have to go to school.
Their post-Halloween sugar rush crashed when two police officers and a social worker arrived. Their mother was dead.
She had been found on the rocky shore of the St. Clair River, a suspected suicide.
“I remember looking over at my brother. You blame yourself. Was she mad we didn’t go to visit her? I was confused. We didn’t understand. We were crying. My foster dad was crying. It was the weirdest, strangest day.”
The three children became Crown wards and they remained with their foster father. But it was a rocky relationship for Shanna.
“No parent is perfect. But I didn’t think a lot of things he did were right. He rarely said I love you. He never said good job when I got an A in school. He was the typical hard dad. I often felt alone and to this day, things still feel awkward.”
At 18, she left her foster home for Laurier University in Brantford where she enrolled in the concurrent education program. As she matured and studied psychology, her anger toward her foster father eased.
“I don’t blame him. He came from a harsh family and it is all he knew. I know he did everything he could and that if my mom was watching, she’d be thanking him for everything he did.”
For Shanna, school was her sanctuary. Teachers provided the adult support she missed in her foster home. She also had several Big Sisters who taught her about family and about being loved. Her friends’ parents also welcomed her into their homes.
She chose teaching so that she can help other kids in care and try to erase the stigma that too many of them feel.
About this time, Shanna met a CAS worker who saw her potential and linked her up with other former Crown wards at conferences and other events.
“Before, I was completely ashamed to be in care. I called my foster father my dad to my friends because I didn’t want them to know,” she says. “But I realized there are all these other people just like me and that I don’t need to hide or keep it a secret.”
Along the way, someone from the provincial child advocate’s office who had seen her speak at a conference, emailed about a new job posting.
Shanna wrote her application letter that night. She got the job in February, working part-time around her studies and then full-time during the summer. In July, three other youth were hired and together they have created a website, trained volunteers and organized the hearings.
“It’s about creating awareness, inspiring people to advocate to the government.”
Shanna believes there needs to be more emphasis on adoption and unconditional love. For those who want to remain connected to their birth families, other legal ways are needed to give foster kids and former Crown wards families they can count on.
“We don’t want to live in families where the mileage meter on the car is on every time they drive you somewhere so they can expense it,” she says. “It makes us question everything and whether we’re ever worthy of being loved.”
She believes the option of receiving financial and emotional support until age 25, when most young people have completed college or university, would be huge.
OSAP is helpful, but it still leaves former Crown wards in debt. Shanna will have a $20,000 loan to pay starting six months after she graduates, whether she gets a job or not.
Foster kids and former Crown wards are uniquely situated to push for change, as they have shown they have the strength and perseverance to achieve it, she says.
“What I’ve learned from this process is that one voice can make a huge difference.”
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Northern Rock sold to Virgin Money 'at a loss'

by Joanne Butcher, The Journal
POLITICAL and business leaders have given a broad welcome to Virgin Money’s purchase of Northern Rock.
But there is concern in some quarters about taxpayers facing a big loss and the decision not to return the Rock to its building society roots.
Newcastle City Council leader Nick Forbes said: “The decision by Virgin Money to make Newcastle their home sends a message of confidence in our city and the wider North East.
“Despite its restructuring in recent years, Northern Rock remains a critical part of the very fabric of the North East and a major employer of around 2,000 high quality professional staff.”
Newcastle Central MP Chi Onwurah, whose constituency is home to the Rock’s headquarters, said: “I welcome it, particularly on behalf of the people who work for Northern Rock who have had some four years of uncertainty and continual rounds of redundancies.”
But the Labour MP added: “The British taxpayer is selling at a loss of £400m and that is ‘good part’ of the bank and why wasn’t more done to look at the potential for a co-operative? One of the problems has been short-termism and the financial roulette. A co-operative would have helped address that in the market as a whole.”
Liberal Democrat peer John Shipley, leader of Newcastle City Council when the Rock hit trouble, said: “I think the Government has made the right decision. It is a pity that mutualism proved unworkable.
“The crucial thing has been jobs and the headquarters function.”
Newcastle North MP Catherine McKinnell said it was good news for jobs, but expressed disappointment ministers had not taken the opportunity for remutualisation to demonstrate that it was not “business as usual” for the banking sector.
Labour leader Ed Miliband said there would be “serious questions” asked about the deal and in particular about the losses to the taxpayer. He promised his party would scrutinise it, but stressed the need for greater competition.
Tory MP Mark Field, who represent the Cities of London and Westminster, criticised the sale saying the Rock was sold “for a song”.
“I’m very concerned about whether we are getting really good value for the taxpayer,” he said.
“There has to be a sense that Richard Branson has got the deal he was craving four years ago for a song today.”
TaxPayers’ Alliance director Matthew Sinclair said: “Taxpayers will be disappointed and angry that so much of the money put into Northern Rock has been lost, after too many politicians tried to pretend the bailout would be almost free or even turn a profit.”
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Home Health Hub Solution for Telehealth Applications

By Contract Manufacturing, Electrical/Electronic, Industry News
Comprehensive reference platform helps accelerate development of medical devices with seamless connectivity.
Freescale Semiconductor's home health hub (HHH) reference platform helps medical equipment manufacturers quickly and easily create remote-access devices that can collect, connect and securely share health data for improved healthcare management.
The HHH reference platform is based on Freescale's i.MX28 applications processor and ZigBee(R) and sub-1GHz transceivers. It enables secure WiFi and Ethernet connectivity to remote devices with displays, such as tablets, smartphones or PCs with medical-specific remote user interface (UI) options. The platform also can provide wired and wireless connectivity to end healthcare devices, such as blood pressure monitors, blood glucometers, weight scales, pulse oximeters and more via ZigBee, sub-1GHz, USB, Bluetooth and Bluetooth Low Energy including medical-class-specific device profiles.
According to the World Health Organization, there are 860 million chronic disease patients worldwide, and 75% to 85% of all healthcare spending can be attributed to chronic disease management. Many of those who suffer from chronic diseases are 65 years or older -- a demographic that the U.S. Census Bureau estimates will represent 19% of the U.S. population, or about 72.1 million individuals, by 2030.
Societies around the world continue to look for ways to reduce health care costs for these chronic patients while improving their quality of life. Remote patient monitoring devices can be made based on Freescale's home health hub reference platform and can allow patients to avoid unnecessary emergency room visits which both saves money and helps improve patient outcomes.
"The changing dynamics of the aging global population are creating an increased demand for new technologies and tools that can offer peace of mind to the family members of seniors living at home," says Steven Dean, manager of Freescale's Global Healthcare team. "There's also a need to provide access to healthcare in remote and growing regions of the world to improve the quality of life for millions of people. Our new home health hub reference platform is designed to simplify development of connected medical devices and help our customers more easily address these growing needs."
Freescale's HHH reference platform provides comprehensive functionality and can be used as the foundation for connected medical product designs, giving developers a head-start to help them get to market faster. The Freescale HHH reference platform delivers a hardware implementation and the necessary software components to provide pre-validated, secure connectivity for healthcare devices and user interfaces.
"We have proven technology out there to monitor patients and connect their data to the cellular network, such that a healthcare professional could intervene instead of the patient having to go to the emergency room," says Kent Dicks, founder and CEO of MedApps. "We have found this to be extremely effective."
The HHH reference platform software adheres to Continua device profiles to provide consistency and compatibility with other Continua-certified medical devices such as blood pressure monitors, pulse oximeters and weight scales. The platform also enables connection to the Microsoft HealthVault, a privacy- and security-enhanced online data repository that lets users organize, store and share their health information.
The HHH reference platform consists of an aggregator/gateway board based on the low-power i.MX28 applications processor (built on the ARM9(TM) processor) running various connectivity interfaces to healthcare end devices and wireless or wired connectivity for a remote user interface. Also included is a panic alarm sensor based on Freescale's MC12311 sub-1GHz radio, providing personal emergency response system (PERS) functionality. To complete the reference platform, software such as board support packages (Linux(R) and Windows(R) Embedded Compact 7) and example code are included.
"If you think about all of the different devices in a healthcare ecosystem, Windows Embedded allows our partners to align on one trusted technology platform," says Lorraine Bardeen, marketing director for Windows Embedded EMEA at Microsoft. "This collaboration with Freescale builds upon Microsoft's vision for the evolution of intelligent systems by helping medical manufacturers and healthcare organizations capture the full potential of connected medical data."
Pricing and Availability
The HHH reference platform consists of the aggregator/gateway board, panic alarm sensor, quick start guide, cables and software. Freescale has partnered with Digi International to bring the HHH reference platform to market. The iDigi Telehealth Application Kit is available for purchase through Digi International for $499 (USD) at www.digi.com/hhh . Digi has extensive experience with the i.MX portfolio and provides customized system on module and design services. For more information, visit www.freescale.com/homehealthhub .
"Network connected medical devices improve quality of care by providing real-time access to critical patient data," says Frederic Luu, VP of Sales and Marketing, EMEA, Japan and Asia, Digi International. "We are excited to partner with Freescale to make it easier for medical device manufacturers to develop network-enabled products."
About Freescale
Freescale is a global leader in the design and manufacture of embedded semiconductors for the automotive, consumer, industrial and networking markets. The company is based in Austin, TX, and has design, research and development, manufacturing and sales operations around the world.
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Pryor Comes Home, Promises Charter Boost

by Melissa Bailey
 In a visit to the hometown charter school he founded 13 years ago, Stefan Pryor applauded the school’s expansion—and vowed to support more Amistad Academies in his new post as the state’s education chief.
Pryor (at right in photo), who joined Gov. Dannel Malloy’s administration as education commissioner last month, made the remarks in a dedication ceremony Wednesday morning at the newly combined Amistad Academy K-8 school, now housed in the former Dwight School at 130 Edgewood Ave.
“Who are we proud to be?” Pryor asked a gymnasium full of students, private donors and politicians.
“Amistad Academy!” the crowd roared in response.
It was a familiar chant for the students and for Pryor, one of the founders of the school, which first opened in 1999 on James Street. The public school, which began with 84 students in 5th and 6th grade, has grown to serve 734 kids in grades K to 8.
Pryor was part of a planning group that lobbied the state for more charter school seats, then created what is now one of the oldest and most well-established charter schools in the state. He started the planning process while working as an aide to Mayor John DeStefano then left to finish Yale Law School and launch the school. Pryor said he traveled North America with Achievement First CEO Dacia Toll to look at effective urban schools before the founding group decided on the charter model.
Achievement First, Amistad’s parent company, now runs a network of 20 schools in New Haven, Hartford, Bridgeport and Brooklyn, NY.
“None of us could have possibly dreamed” that the experiment would take off as it did, Pryor said. The most surprising development, he said, is that he’s now found himself in charge of the state’s education system.
 He credited Amistad with “the attainment of the allegedly and apparently impossible”—teaching low-income kids to excel and defy the achievement gap. Connecticut still has the worst achievement gap in the country, Pryor noted.
He called for Amistad’s model to be replicated to further close that gap.
Amistad’s $34 million rehab project was paid for by 80 percent state funds. It was the first charter school in Connecticut to be rehabbed as part of the state school construction program, which previously was reserved for non-charter public schools.
Pryor called the new Amistad “91,000 square feet of hope and achievement”—and “91,000 square feet of what is possible for the rest of the state.”
After he stepped off the stage, Pryor was asked about his call to create more Amistads.
“Yes—we will promote their expansion,” as well as the expansion of other best practices around the state, Pryor said.
“There are a number of schools that are exemplary” across the state, that are “achieving at a level that would not be expected,” he said. That includes not just charters, but other successful public schools as well.
“Those exemplary schools ought to be replicated” and “emulated,” he said.Advocates have long lobbied the state to lift barriers to adding more charter schools, and seats in those schools. Right now, every charter school seat is approved by the legislature every year. Charters are funded on a per-pupil basis.Achievement First CEO Toll, whose allies effectively lobbied for an increase in the per-pupil fee last year, said she’d again be asking the state to lift barriers to charters’ growth.
Pryor agreed the state is too restrictive when it comes to fostering the growth of charters.
“Our state needs to be more welcoming to effective school models,” he said.
“The funding formula is broken”—both for charter schools and for regular public school districts, which are funded through the Education Cost Sharing program. Pryor said he’s committed to revamping ECS, and he’s working on a legislative package that would do so.
Charter school proponents have argued for “money follows the child” system, where when a child leaves a public school district to attend a charter school, the district would pay the charter school to educate the child.
How will Pryor change school funding? It’s too early to name solutions, he said.
Any solutions will “follow my listening tour,” he said.
Pryor continued that listening tour Wednesday in New Haven. He toured the gym floor, where he ran into Dwight activist Curlena MacDonald, and handed a business card to state Rep. Roland Lemar. (See photo at the top of the story.)He caught up with New Haven state Sen. Martin Looney, the state Senate majority leader. He hugged New Haven banker and charter proponent Jeff Klaus, a co-founder of Amistad, and suggested they grab dinner.Within half an hour, Pryor had made several promises to have meals with New Haveners now that he’s back in town.
The education commissioner has been a presence in town in the past month. He shook hands at the New Haven school board and congratulated Mayor John DeStefano at his reelection victory party at the Wicked Wolf bar. He’s currently living in New Haven’s Ninth Square.
Wednesday’s conversation with New Haveners began in the morning, when Pryor met with New Haven teachers union leadership at the Omni Hotel.
Pryor suggested New Haven Public Schools’ model should be spread wide as well.
“New Haven made a decision to create a process through with a relationship” would be established between labor and management, while bringing in reforms such as new teacher evaluations based on student performance and new work rules at turnaround schools.
“That alone is a lesson in itself,” Pryor said.
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Security a worry for Cafe of Life plans

Written by Christina Cepero
The City Council asks staff to work toward making a home for the nonprofit organization a possibility.
Cafe of Life board members will work toward resolving security concerns that Rosemary Park/Leitner Creek Manor residents have about a proposed soup kitchen in their neighborhood.
The Bonita Springs City Council voted 7-0 Wednesday to support city staff working with Cafe of Life on the possibility of a public-private partnership while addressing residents’ concerns.
Lee County has offered to give the city a slice of land in Leitner Creek Manor that was not used for the Imperial Parkway extension. The city could then negotiate a long-term lease with Cafe of Life, which would build and maintain the kitchen and a neighborhood park.
The council asked city staff to hold off on accepting the land or preparing a lease.
Cafe of Life board members invited about 35 residents from the neighborhood to a meeting Tuesday night to discuss the proposal. There will be a larger community workshop later.
“There are definitely some concerns by the residents on how this will unfold, how it will impact them, the safety of people walking,” said District 2 Councilwoman Janet Martin, who represents the area. “We have a little bit of give and take that still needs to go on.”
The nonprofit organization aims to raise $500,000 to build a catering kitchen to store food and serve hot lunches to needy residents on weekdays, according to former Bonita Mayor Jay Arend, who has been working on the proposal.
Cafe of Life has been looking for a permanent home for years. Volunteers serve up to 24,000 meals a year outside Community Hall by the banyan tree. About 100 people come on a typical day, about 40 percent of whom live in Rosemary Park.
Councilwoman Martha Simons and Councilman Bill Lonkart said they’re concerned about the other 60 percent who would be coming into the neighborhood.
“Are we serving Bonita Springs or are we serving people from elsewhere?” Simons said.
Cafe of Life board member Bruce Wheatley said the group does not track where clients live.
“If you’re hungry, we feed you,” he said.
He said Cafe of Life has met with the Lee County Sheriff’s Office and a safety consultant. The building would be locked at dusk.
“The Café of Life is dedicated to try to make this work,” Arend said. “Particularly when you’d do it at no expense to the taxpayers, I think it’s something worth working on.”
City Manager Carl Schwing said the lease would likely be for $1 a year.
“We are interested in gaining ownership of this property if in fact the Cafe of Life project goes forward,” Schwing said. “My concern (if the project doesn’t go forward) would be what would we do with the land except take on an additional maintenance responsibility.”
Mayor Ben Nelson said he sees the involvement of the volunteers in the neighborhood as a positive. “They’ve got the heart, they’ve got the money,” he said. “I think there’s an opportunity for you to do good work for this community.”
The project would include a playground and basketball hoops on its parking lot in addition to a covered pavilion and community center.
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Keep Christmas dollars here at home

by By Mondee Tilley
As Christmas approaches, I know many of you pride yourself on getting your shopping done early, but before you get all of the presents under the tree, I would like to ask our readers to think out of the box this year, literally, and keep their money right here in our community, if not in our community, at least in America.
I got an email the other day that really drove this point home. It was one of the most commonsense things I’ve read in a long time. I have always been a proponent of shopping locally and I think if we could get all of the people who race down to the mall in Winston-Salem or who head out to big box stores to shop on Main Street and at local businesses, we could keep all of that money here at home.
Here are a few ideas on how to keep your money local this Christmas:
• Just about everyone, with the exception of a few bald guys, could use a gift certificate to your local salon or barber. Or, what about a gift certificate for a massage, or manicures and pedicures. I got a gift certificate from a good friend last year for a mani-pedi and not only did I love that special treat, but she went with me and we had some quality girl time. And when thinking about mani-pedis, don’t just think about the ladies, men need pampering, too. (I’m sure some of the guys already know about the massage chairs).
• Here’s a gift I could really use, a gym membership. I always love joining Reeves Community Center every winter so I can stay active in the winter months. I know for a fact that Reeves has reasonable rates, and I’m sure ProHealth and the Armfield Civic Center in Pilot Mountain do as well. There’s nothing better than taking a wintertime swim and both facilities have pools. Oh, and you may want to ask if that’s what they want, because they may think you are trying to tell them something.
• This past summer, I got my car detailed twice and let me tell you, there is no better treat than the feeling that you get when you get in a clean car that you haven’t labored to clean for hours. It has been my long-standing belief that a car just drives better when it’s clean. There are a number of local people who have gone into this business and most of them are willing to come to your work or home to clean the car, so you are not without a ride for any length of time.
• Instead of spending tons of money buying a brand new flat screen to replace a TV that isn’t even broken, how about spending that cash to have someone cut your grass for the summer, seal your driveway, have your driveway plowed when it snows or spend that money on games at the local golf courses.
• Everyone has to eat, and no one loves free food more than me, so how about giving that special someone a gift certificate to a locally-owned restaurant, I’m not talking about the national chains, but the real hometown joints that serve up some of the best food in town.
• I only know two people in my life who don’t own cars, so how about giving a gift certificate for an oil change.
• Here’s one of my favorite ideas for Christmas and I don’t know anyone who couldn’t use it, I know I could. How about hiring a local cleaning lady or service to clean house? A number of years ago, I owned a housecleaning service and there was nothing better than seeing the face of the homeowner walking in to their freshly cleaned house. You could tell that it took the weight of the world off of them.
• If giving the gift of service to someone isn’t what you had in mind, then how about buying crafts from local artisans. The proceeds from the Uptown Gallery go to local artists and go back into a program to keep arts alive for mentally challenged adults and teens. Also, there is an art exhibit on the third floor of the Mount Airy Museum of Regional History. Everything was made locally and is for sale.
• If it’s entertainment you’re seeking, there are plenty of free or inexpensive things to do this time of year. There’s the Candlelight Christmas in Rockford on Dec. 1 and 2 at the Rockford Methodist Church at 7:30 p.m. that is free of charge. There is the Christmas by Lamplight on Dec. 6 and 8 at Horne Creek Historical Living Farm in Pinnacle that is $10 for adults and $6 for children. There will be a tree lighting ceremony at city hall in Mount Airy on Dec. 1, I’m not sure of the time yet, but that is free and a personal favorite of mine. The Mount Airy Christmas parade will be on Nov. 26 at 9 a.m. and that’s free as well, of course. There are too many events to list here, so stay tuned to The Mount Airy News as Christmas events are published in our calendar and there will be preview stories on the events as well.
• Let’s not forget about all of the local wineries and bakeries. These folks work hard all year to make a quality product and there’s nothing like a good glass of wine to go with a slice of homemade apple pie.
• That leads me to yet another gift idea, how about buying someone the gift of a home-delivered newspaper? The rates are reasonable and if you get a year’s subscription, you will receive $1,000 worth of grocery coupons if you subscribe before Nov. 22. Not to mention that you can clip your favorite pictures and stories to share, and our paper is also 100-percent recyclable, which is also good for the environment.
There are just a few ideas of how to keep your dollars here in the community because what they say is true, what goes around, comes around. If we all spend our money in this community, then more business owners and employees thrive and I think it’s that kind of thinking that will get America back on track again.
Mondee Tilley is a staff reporter with The Mount Airy News. She promises this was not a shameless attempt at gift-getting for herself this year. She can be reached at mtilley@mtairynews.com or at 719-1930.
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