Saturday, January 24, 2009


Pin number Reversal ( good to know)
If you have and use an ATM Card to withdraw money and you're being
forced to get cash for an invader, you may want to know this...!!!
I was skeptical about this one and called The Bank of America to verify it...
they told me it is true - it's something that has evolved fairly recently.


If you should ever be forced by a robber to withdraw money from an ATM machine,
you can notify the police by entering your Pin # in reverse.
For example if your pin number is 1234 then you would put in 4321 &
The ATM recognizes that your pin number is backwards from the ATM card you placed in the machine.
The machine will still give you the money you requested, but unknown to the robber,
the police will be immediately dispatched to help you This information was recently broadcasted on FOX TV
and it states that it is seldom used because people don't know it exists.

Please pass this along to everyone if possible!!!!!!







PhotobucketPARIS (AFP) – A few lucky people in the Indian Ocean will be treated to a rare event on Monday when an annular solar eclipse will transform the Sun into a dark disc with a blazing ring-shaped corona around its rim.
In solar eclipses, the Moon moves between the Sun and Earth, casting its shadow on the terrestrial surface.
In an annular eclipse, a tiny shift in distance that results from celestial mechanics means the Moon does not completely cover the Sun's face, as it does in a total eclipse.
Instead, for those directly under the alignment, the Moon covers most of the Sun's surface, and a ring-like crown of solar light blazes from the edge of the disk.
For those watching from the fringe of the track, the Sun is partially obscured, as if a bite has been taken out of it.
According to veteran NASA eclipse-watcher Fred Espenak, the total eclipse track will run from west to east on Monday from 0606 GMT to 0952 GMT.
It will traverse the Indian Ocean and western Indonesia before petering out just short of Mindanao, the Philippines.
The partial eclipse will be seen in a much wider swathe, including the southern third of Africa, Madagascar, Australia, Southeast India, Southeast Asia and Indonesia.
It will be the only annular solar eclipse this year. The last was on 7 February, 2007, and after Monday, the next one will be on 15 January, 2010.
The big event for eclipse junkies this year is on July 22, when a total solar eclipse will be visible from India and China, the world's two most populous countries.

Thursday, January 22, 2009


Where You Won't Shop in 2009
by Tom Van Riper

While industry executives and shoppers will remember 2008 as the year the party ended, figure 2009 to be the year of the hangover. Already, Circuit City, Linens 'N Things and Mervyn's stores are going away. Sharper Image is too, though the company will continue to sell some of its high-end gadgets through license agreements with other retailers.

More pain is on the way. One-third of U.S. women recently surveyed by America's Research Group said they plan no clothing purchases--none--in 2009. Normally, it's just 4%. That means the market is still far too saturated with stores.

More from

• In Depth: Who's Set to Shutter Stores?

• In Depth: 10 Things We're Still Buying

• In Depth: Gift Cards From These 10 Stores? Use 'Em Now
Expect closings and bankruptcies to rattle the likes of Lane Bryant, Gap, and Starbucks. It's the inevitable counterpunch to the days of retailers fighting hand over fist for market share during an era of loose credit and minuscule interest rates.

Those days are over, probably for a long time. While accelerating unemployment will only last so long, consumers' debt loads and credit access don't figure to recover to pre-party levels for quite awhile.

"I don't think we will live the same way for 10 years," says Howard Davidowitz, chairman of New York-based retail consultant and investment bank Davidowitz & Associates. "People are so scared they're starting to save."

Retailers at risk in 2009, he thinks, include outerwear specialist Eddie Bauer and teen-apparel-seller Pacific Sunwear, along with Zales, the big jewelry chain. All three shuttered at least 8% of their U.S. stores last year, with many more closings expected. The same is largely true of Charming Shoppes, the owner of Lane Bryant, which closed 150 stores last year. With a mountain of debt and losses totaling over $260 million over the most recent 12-month reporting period, the company will close another 100 locations this year.

Another possible casualty: Sears Holdings, operator of Sears and Kmart stores. A key to hedge fund manager Eddie Lampert's 2005 merger of the two chains was in the underlying real estate. But with those values down 30% or so since then, slumping sales hit even worse.

"I'd be surprised if Sears-Kmart makes it through the year," says Britt Beemer, who runs retail market-research firm America's Research Group.

Non-apparel specialists like Starbucks and Sprint Nextel won't be going away, but they will close hundreds more stores during the coming year, Davidowitz predicts. Narrow specialties (Sprint's cellphones) and high prices (Starbucks' coffee) are tough sells as the consumer mood turns thrifty. What plagues Starbucks will also affect other upscale goody chains like Mrs. Fields' Cookies, and causal dining outlets like Applebee's and Cheesecake Factory. Any of the neighborhood outlets for those restaurant chains could be a casualty this year. For too many customers now, it's McDonald's or bust.

Davidowitz doesn't think a huge government stimulus will help. Better to let things bottom out naturally before regrouping. "Obama's plan will make it worse," he says. "We got into this by borrowing and stimulating, now he wants to borrow and stimulate more."

Where You Won't Shop in 2009

Charming Shoppes (owner of Lane Bryant, Fashion Bug, Catherines)
2008 closings: 150 (6% of total)
Outlook: Lots of debt, performance is terrible (losses of over $260 million for the 12 months ended in November 2008). The company already said it will close at least 100 more stores this year. Who knows if it can survive?

Eddie Bauer
2008 closings: 29 (8% of total0
Outlook: The specialty retailer catering to 30- to 54-year-olds is on the critical list as losses mount and shares trade at 50 cents. Ultimately unlikely to make it.

2008 closings: 40 (16% of total)
Outlook: Not on the critical list, but expect significantly more closings.
The footwear company is still sponsoring this year's Sundance Film Festival.

Ann Taylor
2008 closings: 60 (6% of total)
Outlook: After 180 layoffs, the women's clothing chain announced an additional 57 store closings over the next two years.
Relatively healthier than other struggling retailers, but figures to shrink further.

Zales/Piercing Pagoda
2008 closings: 105 (12% of total)
Outlook: Absolutely in free fall, more closings for sure. Zales may not make it.


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Wednesday, January 21, 2009

YOUR DAILY HOROSCOPE - Wedneday, January 21, 2009

YOUR DAILY HOROSCOPE - Wedneday, January 21, 2009
ARIES (Mar. 21- April 20)
Take the whole family and make it an enjoyable outing. New
romantic partners will evolve through group endeavors;
however, the association may not be likely to last. Your
dramatic approach to life has probably gotten to your mate.

TAURUS (Apr. 21- May 21)
Concentrate on spending quality time with children. You may
overspend if you travel today; however, the trip will be one
to remember. Put some energy into getting back into shape.
Listen to reason.

GEMINI (May 22-June 21)
Think of starting a new business or emotional partnership.
Keep your thoughts to yourself for the time being. Unpleasant
situations concerning family members will be unnerving.

CANCER (June 22-July 22)
Travel will be fun and entertaining. Club memberships or
donations could be expensive and prove unnecessary. Don't
count on getting any help from those you live with.

LEO (July 23-Aug 22)
You may enjoy doing something musical for entertainment.
Don't trust a deal that looks too good, or a lover who
appears to have it all. Be prepared to overcome frustrations
and obstacles at work.

VIRGO(Aug. 23 -Sept. 23)
Do something special for them. Make changes that will
enhance your appearance. You should feel a little more
stable about your position; however, don't be surprised if
a job offer comes your way.

LIBRA (Sept. 24 -Oct. 23)
Your mind is on moneymaking ventures. You will feel so much
better about yourself if you can control your addictions.
You can evade the issue as usual by being affectionate, fun
loving, and far too active for your lover to catch on.

SCORPIO (Oct. 24 - Nov. 22)
You need a change of pace. Your stubborn nature will
backfire if you give your mate an ultimatum. Beware of
individuals who are not that reliable or well known to you.

SAGITTARIUS (Nov. 23 -Dec. 21)
Partners may try to argue with you; however, you must stand
your ground. Refrain from overspending on entertainment or
luxury items. Travel opportunities look positive, but be
cautious while driving.

CAPRICORN (Dec 22.- Jan. 20)
Intellectual stimulation is what you are looking for. Help
children complete projects they're having difficulty with.
Try to curb your bad habits.

AQUARIUS (Jan. 21 -Feb. 19)
Organization will be the key to avoiding discord and family
feuds. Get down to business and do the work yourself. Try
not to skirt issues if you think you'll hurt someone's

PISCES (Feb. 20-Mar. 20)
Keep your mind on your work and stay away from situations
that could ruin your reputation. Let go of the past in order
to progress. Stick to doing things that will make you a
better person both physically and mentally.


President Barack Obama, the newly sworn in 44th President of the United States, waves as he and his wife …
Slideshow: President Barack Obama
Play Video Celebrity Video: Obamas Dance The Night Away; Chicagoans Emotional CBS 2 Chicago
Play Video Celebrity Video: Stars Come Out For Obama's Inaugural Balls CBS4 Miami
WASHINGTON (Reuters) – Barack Obama, fresh from the pageantry of his historic inauguration, will turn on Wednesday toward his goals of rescuing the economy, charting a new course for the Iraq and Afghanistan wars and shaping his approach to the Middle East conflict.
Obama has pledged bold and swift action to deal with the worst economic crisis since the Great Depression. He has also asked Americans for patience in grappling with challenges both foreign and domestic that will take time to resolve.
With financial markets reeling and job losses mounting, Obama will meet with his economic advisers, who are working with the Democratic-led Congress on an $825 billion fiscal stimulus package.
He also is seeking fresh approaches to repair the battered financial system and is mulling a host of ideas, including the creation of a government-run bank that would buy up toxic assets from ailing U.S. banks.
The aim is to rekindle the flow of the credit to the economy so businesses and consumers can get access to loans.
Iraq and Afghanistan will dominate Obama's foreign policy agenda, but he has also said he will take an active role to try to resolve the Israeli-Palestinian conflict.
He may move quickly to name a Middle East envoy and is strongly .
By Caren Bohan

Tuesday, January 20, 2009

YOUR DAILY HOROSCOPE - Tuesday, January 20, 2009

YOUR DAILY HOROSCOPE - Tuesday, January 20, 2009
ARIES (Mar. 21- Apr. 20)
You will meet new romantic partners if you get involved in
seminars or travel. Socializing will be more than just
entertaining. New emotional connections can be made through
business contacts.

TAURUS (Apr. 21- May 21)
Chances to express your ideas and beliefs can bring
popularity as long as you're not arrogant. If you haven't
already, don't be afraid to start your own small business on
the side. It's time to reevaluate your motives.

GEMINI (May 22-June 21)
Sudden changes regarding friendships are likely to occur if
you have tried to change others. Don't bother complaining,
do the work yourself. You'll find travel or involvement in large groups gratifying.

CANCER (June 22-July 22)
Problems with financial investments could make you nervous.
Talk to others about your plans. You must use discretion
when it comes to lending money or making donations.

LEO (July 23-Aug 22)
Your dedication and fortitude when dealing with humanitarian
groups will enhance your reputation. A second chance will
result in good work. Your determination and stamina will
make your work look flawless and effortless.

VIRGO(Aug. 23 -Sept. 23)
Don't be too open or put your faith in unreliable coworkers.
Don't get so wrapped up in being rich that you overlook the
fact that your plan may not be as solid as you thought. You
may be ill-treated if you have to deal with institutional

LIBRA (Sept. 24 -Oct. 23)
Arguments could prevail. Be cautious and use your head
wisely in situations that deal with the use of machinery
or vehicles. Curb your mood swings; they could result in

SCORPIO (Oct. 24 - Nov. 22)
You will not impress others by being foolishly generous. Go
out with friends or family. Reevaluate your position and
make decisions about your future goals.

SAGITTARIUS (Nov. 23 -Dec. 21)
You can have a working relationship with children if you
exercise patience and understanding of the dilemmas they
face. Secret affairs will come back to haunt you. Lay your
cards on the table regarding your personal direction.

CAPRICORN (Dec 22.- Jan. 20)
Tone down and put some of that hard earned cash into a safe,
long-term investment. This will be a great night to invite
friend over to visit. You can make money if you pursue your
own business.

AQUARIUS (Jan. 21 -Feb. 19)
Don't waste this exciting day by sitting at home. The
personal problems you may be having are interfering with
your productivity. Don't let siblings put pressure on you.

PISCES (Feb. 20-Mar. 20)
Beware of someone who is trying to make you look bad.
Problems with skin, bones, or teeth may mess up your
schedule. Take part in stimulating debates that will allow
you to show off your intelligence.

Thursday, January 8, 2009

6 Jobs That Thrive When the Economy Falters

6 Jobs That Thrive When the Economy Falters

Each day, as our tattered economy shreds a bit more, you may wonder, "Is anyone out there actually doing well?" Yes, experts say, some careers are in demand -- particularly those that will help reshape businesses and thereby revive the economy.
According to executive search firm CTPartners' 2009 "Hot Jobs" report, as government rescue plans unfold and companies are restructured, sought-after experts will be in disciplines like risk management, restructuring and financial engineering. "Wall Street in turmoil" will be hiring for a number of positions, according to the report. Meanwhile, Lynne Sarikas, director of the MBA career center at Northeastern University's College of Business Administration, points to other hot spots for jobs. Read on for a closer look at six of them:

1. Restructuring Officers

While restructuring may be a dreaded word, it's often essential to setting a workplace straight after a major shakeup. Restructuring officers lead companies through bankruptcy, mergers and acquisitions, or other major reorganizations, and can command hefty pay. At a Fortune 1000 company, a restructuring officer could earn $750,000-$1 million in cash and the same value in restricted stock, says Simon J. Francis, a partner with CTPartners.

2. Turnaround Experts

Like it or not, our economy has to be turned around. Newly hired CEOs and CFOs at private equity companies that buy distressed assets are "turnaround experts," explains Francis. They provide strategies to improve operational and financial performance, reorganize balance sheets, develop refinancing options and implement operational changes to regain profitability. A CEO could make $500,000-$1 million plus 3-5 percent equity, and the CFO could make $500,000-$750,000 plus 1-2 percent equity, Francis says.

3. Distressed Asset Managers

These professionals are financial fix-it gurus. They handle a troubled company's assets, including refinancing, general partner substitution, legal action, loan restructuring, recapitalization and compliance. Not surprisingly, pay beats that of your typical handyman's -- potentially around $1 million a year or more, according to CTPartners.

4. Bankruptcy Attorneys

As bankruptcy increases, this field will grow, says Sarikas of Northeastern University. Bankruptcy attorneys advise clients on debt relief options and guide insolvent individuals and businesses through each phase of a federal bankruptcy filing, according to The median salary for an attorney* with 5-9 years of experience is $88,461.

5. Financial Analysts

Getting the most bang for your buck is more important than ever, and financial analysts can help. They assess the economic performance of companies and industries for firms and institutions with money to invest. The median salary for financial analysts* with 5-9 years of experience is $56,940.

"Companies need employees with strong quantitative and analytical skills to monitor and evaluate business results ... and to make recommendations. Companies will continue to try to do more with less, so understanding the results in detail will be critical," Sarikas explains.

6. Budget Analysts

Budget analysts keep a careful watch on where the money goes, a top concern nowadays. "Preparing the company budget will be critical, and with financial uncertainty it will be more challenging than ever," Sarikas says.

In private firms, a budget analyst's main responsibility is to examine the budget and find new ways to improve efficiency and increase profits. In nonprofit and governmental organizations, which typically aren't focused on profits, analysts search for the most efficient way to distribute funds and other resources among various departments and programs. Budget analysts* with 5-9 years of experience earn a median salary of $55,305.

Whether or not these career options appeal to you, they underscore how vital it is for workers to stay in demand in any job market. If you're looking for new work, experts suggest tapping skills you already have and reconfiguring them. "Keep your skills up and go with the trend," says Barbara Safani, president of New York-based Career Solvers, a career-management firm.

You don't have to be a "turnaround expert" -- just a more marketable version of yourself.

Thursday, January 1, 2009

YOUR DAILY HOROSCOPE - Friday, January 2, 2009

YOUR DAILY HOROSCOPE - Friday, January 2, 2009

ARIES (Mar. 21- April 20)
A righteous streak can make you difficult to get along with
today. Moral indignation makes you interfere with others'
lives. Your views are too biased, which limits your
understanding and compassion.

TAURUS (Apr. 21- May 21)
You have to break out of a routine in order to advance
beyond the position you're in. Risk breaking out of a
comfortable situation to flex your imagination and talents

GEMINI (May 22-June 21)
Your stable situation seems stifling, but you need to lay
the groundwork for moving out to something different. A
gesture of dissatisfaction can work against you, so take a
positive step instead.

CANCER (June 22-July 22)
Your long-term goals are boosted by information today. Do
research to learn the proper steps for education and
experience. Correspond with others who are established in
the situations you want.

LEO (July 23-Aug 22)
Your approach toward dealing with your children needs care
and restraint. You are too bossy and categorical, when it
would be better to help children think through consequences.
Make good behavior fun.

VIRGO(Aug. 23 -Sept 23)
You are guided by principles today, and very unyielding ones
at that. Everything has to go through your moral calculation
for approval. You are fair, but maybe too strict and

LIBRA (Sept. 24 -Oct. 23)
You can make important moves behind the scenes today. You
regard much of what you do as private and confidential. In
truth, your actions must be protected from unwanted

SCORPIO (Oct. 24 - Nov. 22)
You stand a good chance of promotion or recognition based on
solid performance. Business partnerships can be formed or
strengthened. Your cooperation is necessary for advancement.

SAGITTARIUS (Nov. 23 -Dec 21)
Your gung-ho attitude makes you accept more responsibility at
work than you can realistically preform. Don't let a can-do
enthusiasm become a can't-fail delusion.

CAPRICORN (Dec 22- Jan 20)
You prefer safe risks, if there can be such a thing. You put
restrictions on knowledge and novelty in order to deal with
them in a logical and orderly manner. Don't accept only the

AQUARIUS (Jan. 21 -Feb 19)
You're able to take a serious look at your various assets
today. Investments, savings and real estate are important to
assess, and, if possible, build on for greater profits.

PISCES (Feb. 20-Mar 20)
Contracts and agreements are important features of today for
you. Make sure they are sound and acceptable, because they're
likely to be lasting and binding. Get sound advice beforehand.

About Me

We're both broke but yet we have a nice collection of kicks, we get into all the parties and find the way to support our drinking habits.... lol! We're both young but we love everything about the 80's.