Sunday, July 29, 2012

Home Equity Personal Credit Line Or Second Home Loan Online ...

Everybody dreams on the peaceful post pensionable life. Financial stability can be described as necessity when one particular gets old thus having a satisfactory finance is it is important during the later years. This is the worry that many homeowners read through when contemplating this overall. Your monthly payments depends on the term on the loan which is invariably 10 or 15 ages. A first home mortgage loans generally refers for the main mortgage in the property, which often represents as much as eighty percent with the value. There are certain schemes which may let you so that you can withdraw in group sums. Eligibility criteria for availing may enhance the Equity mortgage associated with release.

When it pertains repayment, one is required to cover the amount which has been originally borrowed, plus an degree not exceeding 40% connected with any increase from the value of the property or property. They are also good as soon as the borrowers are intending to sell their dwelling soon, since short-term fairness loans have reduce rates. Another in it line is it is wise to keep in your mind to view the whole agreement paper ahead of the lender before selecting release equity residence scheme. There are house equity loans and also original article home equity a credit line. They need to accumulate this income from somewhere or other. But in the following case, you are never forced to pay back this money you are loaned, so long whilst you stay in your own home. Making these expenses quickly reduces that principle balance and the number of your monthly payment that could be applied to attraction.

A fixed rate is normally an element of the conditions in home equity lending options. The house must have no current loans from it. My credit be endangered when she thought he would leave and not really wages the property finance loan or any bills for two main months. If you call for a new roof or maybe a window gets damaged, you will get responsible. These other alternatives will ultimately be more inexpensive than an value release mortgage. Additionally, you will get a lower interest on your new mortgage in comparison to the one you were paying in your home equity lending product. Still, if you need cash and are ready lower your interest rate as well, a cash out refi stands out as the best choice available for you.

A predetermined rate household value mortgage is a history of credit score in which will a borrower might take out a predetermined quantity revenue. It releases the dollars from the equity at the property and usually the interest rate is lower regarding such schemes. This is considering that amount that the older persons are subject to build after retirement because of their enrolment inside these deals is without a doubt significant enough to get to know their essential desires and requirements. He will guide the older persons regarding the best plans which will give them obtain the most and security. Although your payment could be lower, it will nonetheless include interest. If you are intent on entering into your dream house equity loan, you should evaluate the loan system in its whole.

Best finncial company for home a guarantee strip of consumer credit rate? The idea in the senior equity undo mortgage is, that the lender likely pay to home owners on the schedule the debtor has decided. Second mortgages together with home equity loans should be considered when it comes to cashing out equity in the house; however, there are fundamental differences relating to the two. What happen in the event the second mortgage could hardly be meet and stay... Then again, mortgaging would finally and selling would certainly immediately leave an individual homeless.

Source: http://shotter.typepad.com/blog/2012/07/home-equity-personal-credit-line-or-second-home-loan-online-things-you-can-do-with-your-properties-equity.html

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Skin cancer: serious. The protective hat? Not so much ...

That bright thing in the sky is the sun.

And that giant thing obstructing you from seeing the sun, a sort of man-made eclipse? That's my hat.

I am sorry. I regret to inform you: I have become a giant hat person.

It is big. It is round. It is sombrero-like. There are rings of Saturn smaller than my hat. Small airplanes could land on its brim. Next week, stop by after 1 p.m. for a free frappuccino because a Starbucks is thinking of opening there.

The giant hat, ordinarily reserved for cowboys and Indiana Jones and the mariachi band that sometimes plays your favorite Mexican restaurant, is new this summer. And already I feel like I am years late in joining this exclusive club.

The Centers for Disease Control suggests in nearly every bit of paperwork to wear a hat with a wide brim to help prevent skin cancer. Studies have found a hat also keeps ticks at bay.

Skin cancer among young adults is on the rise. More than 50 percent of those ages 18 to 39 report having a sunburn in the past year. (And by my own experience, that sounds ridiculously low.) Sunburns, unfortunately, are not unusual. For me, they're as frequent as pizza on a Friday night.

This summer, the temperature has been unrelenting. Again. And if you believe - like I do - that this weather is not some kind of statistical anomaly, well, get used to it. And then get used to my giant wide-brimmed hat.

Better yet, get your own. The wide-brim hat is here to stay. It's the hat of the future.

Mine is beige. Khaki if you must. I bought it last year on sale from the clearance rack at REI. It is floppy and washable. I have a giant noggin, and it fits nicely.

I am fair-skinned, not quite translucent, but more like an unmuddied baseball. I generously apply sunscreen, but it washes off, rinses off, sweats off. It can be hard to remember. Turtlenecks seemed impractical. So I converted to the Wild West look. I wear a hat.

Do I look ridiculous? Yup.So much of my face is in the shadows I might as well be Batman.

But look again. Instead, see me as an adventurer off to explore untamed lawns and carefully curated beachs. By the squint in my eyes, you can tell that I am staring off into the great vast wilderness of Hampton Roads, into some baseball game in the park, some fire pit waiting for a party, some beer that needs a koozie.

Look again and I am a cowboy wrasslin' with a grocery bag from the back seat, oblivious to an unforgiving and blistering sun.

Look again, and one of my neighbors is asking: "Mike, why's your hat so big? Does that thing get DirecTV?"

Laugh now, kemosabe. You have seen my kind. Pale. And in a hat. Not just at the beach, but in the yard, at your party, walking the dog, even strolling indoors past a large window.

Is it embarrassing to wear a giant hat instead of, say, a cap that mentions my favorite team? Sure. Have I heard the taunts from those who want to see my skin turn a pinkish strawberry color? Undoubtedly.

"Enjoy the safari, Grusser!" their eyes scream when I'm walking the 10 feet to the mailbox. Or, "Are you going to the Kentucky Derby?" - to which my eyes yell back, "I will see creatures of which you cannot even fathom when you are dead from cancer!"

We must accept the wide-brim hat just like we accept rolled-up short sleeves that highlight your tattoos. It is a staple of modern fashion. And safety.

I wear my hat today in hopes of looking ridiculous again tomorrow.

Mike Gruss, 757-446-2277, mike.gruss@pilotonline.com, PilotOnline.com/gruss

Source: http://hamptonroads.com/2012/07/skin-cancer-serious-protective-hat-not-so-much

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Saturday, July 28, 2012

With royalty and rock, Britain opens its Olympics

Fireworks light up over the stadium during the Opening Ceremony at the 2012 Summer Olympics, Saturday, July 28, 2012, in London. (AP Photo/David J. Phillip)

Fireworks light up over the stadium during the Opening Ceremony at the 2012 Summer Olympics, Saturday, July 28, 2012, in London. (AP Photo/David J. Phillip)

The Olympic cauldron burns after being lit during the Opening Ceremony at the 2012 Summer Olympics, Saturday, July 28, 2012, in London. (AP Photo/Jae C. Hong)

The Olympic cauldron is lit during the Opening Ceremony at the 2012 Summer Olympics, Saturday, July 28, 2012, in London. (AP Photo/David Goldman)

Fireworks explode during the Opening Ceremony at the 2012 Summer Olympics, Friday, July 27, 2012, in London. (AP Photo/Paul Sancya)

The Olympic rings light up the stadium during the Opening Ceremony at the 2012 Summer Olympics, Friday, July 27, 2012, in London. (AP Photo/Morry Gash, Pool)

(AP) ? The queen and James Bond gave the London Olympics a royal entrance like no other Friday in an opening ceremony that rolled to the rock of the Beatles, the Stones and The Who.

And the creative genius of Danny Boyle spliced it all together.

Brilliant. Cheeky, too.

The highlight of the Oscar-winning director's $42 million show was pure movie magic, using trickery to make it seem that Britain's beloved 86-year-old Queen Elizabeth II had parachuted into the stadium with the nation's most famous spy.

A short film showed Daniel Craig as 007 driving to Buckingham Palace in a black London cab and, pursued by the royal corgis, meeting the queen, who played herself.

"Good evening, Mr. Bond," she said.

They were shown flying in a helicopter over London landmarks and a waving statue of Winston Churchill ? the queen in a salmon-colored dress, Bond dashing as ever in a black tuxedo ? before leaping into the inky night over Olympic Park.

At the same moment, real skydivers appeared as the stadium throbbed to the James Bond theme. And moments after that, the monarch appeared in person, accompanied by her husband, Prince Philip.

Organizers said it was thought to be the first time she has acted on film.

"The queen made herself more accessible than ever before," Boyle said.

In the stadium, Elizabeth stood solemnly while a children's choir serenaded her with "God Save the Queen," and members of the Royal Navy, Army and Royal Air Force raised the Union Jack.

Boyle sprang another giant surprise and picked seven teenage athletes for the supreme honor of igniting the Olympic cauldron. Together, they touched flaming torches to trumpetlike tubes that spread into a ring of fire.

The flames rose and joined elegantly together to form the cauldron. Fireworks erupted over the stadium to music from Pink Floyd. And with a singalong of "Hey Jude," Beatle Paul McCartney closed a show that ran 45 minutes beyond its scheduled three hours.

Organizers said the cauldron would be moved Sunday night to the corner of the stadium where a giant bell tolled during the show.

Boyle turned the stadium into a giant juke box, with a nonstop rock and pop homage to cool Britannia that ensured the show never caught its breath.

The high-adrenaline soundtrack veered from classical to irreverent. Boyle daringly included the Sex Pistols' "Pretty Vacant" and a snippet of its version of "God Save the Queen" ? an anti-establishment punk anthem once banned by the BBC.

The encyclopedic review of modern British music continued with a 1918 Broadway standard adopted by the West Ham football team, the Rolling Stones' "(I Can't Get No) Satisfaction" and "Bohemian Rhapsody," by still another Queen, and other tracks too numerous to mention, but not to dance to.

The evening started with fighter jets streaming red, white and blue smoke and roaring over the stadium, packed with a buzzing crowd of 60,000 people, at 8:12 p.m. ? or 20:12 in the 24-hour time observed by Britons.

Boyle, one of Britain's most successful filmmakers, who directed "Slumdog Millionaire" and "Trainspotting," had a ball with his favored medium, mixing filmed passages with live action in the stadium to hypnotic effect, with 15,000 volunteers taking part in the show.

Actor Rowan Atkinson as "Mr. Bean" provided laughs, shown dreaming that he was appearing in "Chariots of Fire," the inspiring story of a Scotsman and an Englishman at the 1924 Paris Games.

There was a high-speed flyover of the Thames, the river that winds like a vein through London and was the gateway for the city's rise over the centuries as a great global hub of trade and industry.

Headlong rushes of movie images took spectators on wondrous, heart-racing voyages through everything British: a cricket match, the London Tube and the roaring, abundant seas that buffet and protect this island nation.

Opening the ceremony, children popped balloons with each number from 10 to 1, leading a countdown that climaxed with Bradley Wiggins, the newly crowned Tour de France champion.

Wearing his yellow winner's jersey, Wiggins rang a 23-ton Olympic Bell from the same London foundry that made Big Ben and Philadelphia's Liberty Bell. Its thunderous chime was a nod to the British tradition of pealing bells to celebrate the end of war and the crowning of kings and queens, and now for the opening of a 17-day festival of sports ? London's record third as host.

The show then shifted to a portrayal of idyllic rural Britain ? a place of meadows, farms, sport on village greens, picnics and Winnie-the-Pooh, A.A. Milne's bear who has delighted generations of British children tucked warmly in bed.

But that "green and pleasant land," to quote poet William Blake, then took a darker, grittier turn.

The set was literally torn asunder, the hedgerows and farm fences carried away, as Boyle shifted to the industrial transformation that revolutionized Britain in the 18th and 19th centuries, the foundation for an empire that reshaped world history. Belching chimneys rose where only moments earlier sheep had trod.

The Industrial Revolution also produced terrifying weapons, and Boyle built a moment of hush into his show to honor those killed in war.

"This is not specific to a country. This is across all countries, and the fallen from all countries are celebrated and remembered," he explained to reporters ahead of the ceremony.

"Because, obviously, one of the penalties of this incredible force of change that happened in a hundred years was the industrialization of war, and the fallen," he said. "You know, millions fell."

Olympic organizers separately rejected calls for a moment of silence for 11 Israeli athletes and coaches slain by Palestinian gunmen at the 1972 Munich Olympics.

The parade of nations featured most of the roughly 10,500 athletes ? some planned to stay away to save their strength for competition ? marching behind the flags of the 204 nations taking part.

Greece had the lead, as the spiritual home of the games, and Team Great Britain was last, as host. Prince William and his wife, Kate, joined in thunderous applause that greeted the British team, which marched to the David Bowie track "Heroes." A helicopter showered the athletes and stadium with 7 billion tiny pieces of paper ? one for each person on Earth.

Both Bahrain and Brunei featured female flagbearers in what has been called the Olympics' Year of the Woman. For the first time at the games, each national delegation includes women, and a record 45 percent of the athletes are women. Three Saudi women marching behind the men in their delegation flashed victory signs with their fingers.

"This is a major boost for gender equality," said the International Olympic Committee president, Jacques Rogge. These are his last games as head of the IOC. He steps down in 2013 after completing the maximum two terms.

Rogge honored the "great, sports-loving country" of Britain as "the birthplace of modern sport," and he appealed to the thousands of athletes assembled before him for fair play.

"Character counts far more than medals. Reject doping. Respect your opponents. Remember that you are all role models. If you do that, you will inspire a generation," Rogge said.

The queen then said: "I declare open the games of London, celebrating the 30th Olympiad of the modern era."

Last month, the nation put on a festive Diamond Jubilee ? a small test run for the games ? to mark her 60 years on the throne, a reign that began shortly after London's last Olympics, in 1948.

Former world heavyweight champion and 1960 Rome Olympic gold medalist Muhammad Ali was cheered when he appeared briefly with his wife, Lonnie, before the Olympic flag was unfurled.

Some 8,000 torchbearers, mostly unheralded Britons, had carried the flame on a 70-day, 8,000-mile journey from toe to tip of the British Isles, whipping up enthusiasm for a $14 billion Olympics taking place during a severe recession.

The final torchbearers were kept secret ? remarkable given the scrutiny on these, the first Summer Games of the Twitter era.

The show's lighter moments included puppets drawn from British children's literature ? Captain Hook from "Peter Pan," Cruella de Vil from "101 Dalmations" and Lord Voldemort from J.K. Rowling's "Harry Potter" series, as well as Mary Poppins.

Their appearance had a serious message, too ? the importance of literacy.

"If you can read and write, you're free, or you can fight for your freedom," Boyle said.

Boyle's challenge was daunting: To be as memorable as Beijing's incredible, money-no-object opening ceremony of 2008, the costliest in Olympic history.

"Beijing is something that, in a way, was great to follow," Boyle said. "You can't get bigger than Beijing, you know? So that, in a way, kind of liberated us. We thought, 'Great, OK, good, we'll try and do something different.'"

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/347875155d53465d95cec892aeb06419/Article_2012-07-27-OLY-Opening-Ceremony/id-216e25f527d54ec4836b9a26e14bd936

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Substances and methods used in doping

LONDON (Reuters) - The International Olympics Committee (IOC) said on Saturday that 1001 drugs tests have been conducted since the start of the London 2012 Olympic period on July 16.

Of these, 715 were urine tests and 286 were tests on blood.

IOC President Jacques Rogge says a crackdown on doping cheats in the run-up to the London Olympics has been a success, with testers catching more than 100 athletes using performance-enhancing drugs in recent months.

Albanian weightlifter Hysen Pulaku became the first athlete to be ejected from the London 2012 Olympics on Saturday after traces of the anabolic steroid stanozolol were found in his urine sample.

Substances and doping methods are banned when they meet at least two of the three following criteria: enhance performance, pose a threat to athlete health, or violate the spirit of sport.

Following are some of the substances and methods used for doping in sport:

ERYTHROPOIETIN (EPO)

* EPO is a peptide hormone that is produced naturally by the human body. EPO is released from the kidneys and acts on the bone marrow to stimulate red blood cell production.

* By injecting EPO, athletes aim to increase the concentration of red blood cells and consequently their aerobic capacity.

* EPO abuse can lead to serious health risks for athletes. It is well known that EPO, by thickening the blood, leads to an increased risk of several deadly diseases, such as heart disease, stroke, and cerebral or pulmonary embolism. EPO has been implicated in the deaths of several athletes.

CERA

* Continuous Erythropoiesis Receptor Activator, or CERA, is a third-generation form of EPO. As opposed to earlier forms of the drug, CERA requires less frequent injection because it has an extended half-life.

* Athletes may take CERA to increase oxygen-carrying capacity to boost endurance. It may also be used after training to encourage swifter recovery.

ANABOLIC STEROIDS

* Anabolic steroids are drugs that resemble testosterone, a hormone which is produced in the testes of males and, to a much lesser extent, in the ovaries of females.

* Because testosterone and related drugs affect muscle growth, raising their levels in the blood could help athletes to increase muscle size and strength. Athletes who use anabolic steroids also claim they reduce body fat and recovery time after injury.

* Anabolic steroids can cause high blood pressure, acne, abnormalities in liver function, alterations in the menstrual cycle, decline in sperm production and impotence in men, kidney failure and heart disease. They can also make people more aggressive.

* Examples of anabolic steroids include testosterone, stanozolol, boldenone, nandrolone and clostebol.

HUMAN GROWTH HORMONE

* Human growth hormone (hGH)- also called somatotrophin or somatotrophic hormone - is a hormone that is naturally produced by the body. It is synthesized and secreted by cells in the anterior pituitary gland located at the base of the brain.

* The major role of hGH in body growth is to stimulate the liver and other tissues to secrete insulin-like growth factor IGF-1. IGF-1 stimulates production of cartilage cells, resulting in bone growth and also plays a key role in muscle and organ growth. All of these can boost sporting performance.

* Commonly reported side effects for hGH abuse are diabetes in prone individuals, worsening of heart diseases, muscle, joint and bone pain, hypertension and cardiac deficiency, abnormal growth of organs and accelerated osteoarthritis.

DIURETICS

* Diuretics can be used in a sport as a masking agent to prevent the detection of another banned substance.

* As well as masking other drugs, diuretics can also help athletes lose weight, which they could use to their advantage in sports where they need to qualify in a particular weight category.

* Examples of commonly used diuretics include furosemide, bendroflumethiazide and metolazone.

SYNTHETIC OXYGEN CARRIERS

* Synthetic oxygen carriers, such as haemoglobin-based oxygen carriers (HBOCs) or perflurocarbons (PFCs), are purified proteins or chemicals that have the ability to carry oxygen.

* They are useful for emergency therapeutic purposes when human blood is not available, the risk of blood infection is high or when there is not enough time to properly cross-match donated blood with a recipient.

* The misuse of synthetic oxygen carriers for doping purposes carries the risk of cardiovascular disease in addition to serious side effects such as strokes, heart attacks and embolisms.

BLOOD DOPING

* There are two forms of blood doping. Autologous blood doping is the transfusion of one's own blood, which has been stored, refrigerated or frozen, until needed. Homologous blood doping is the transfusion of blood that has been taken from another person with the same blood type.

* Although the use of blood transfusions for blood doping dates back several decades, experts say its recent resurgence is probably due to the introduction of efficient EPO detection methods.

* A test for homologous blood transfusions was implemented at the 2004 Olympic Games in Athens.

* The World Anti-Doping Agency (WADA) says it is funding research into developing a test for autologous transfusions, and it is also leading the development of so-called "biological passports" which keep a record of an athlete's blood and biological variables over time.

INSULIN

* Insulin enhances glucose uptake into the muscle and aids the formation and storage of muscle glycogen. Athletes might use it for events that require high levels of endurance. There is also evidence that it is abused by dopers in conjunction with growth hormones or anabolic steroids to boost muscle growth.

* Misuse of insulin can lead to very low blood sugar levels - a condition known as hypoglycaemia which can lead to the loss of cognitive function, seizures, unconsciousness, and in extreme cases can lead to brain damage of death.

GENE DOPING

* Advancements in gene therapy for medical reasons mean potential cheats might seek to undergo procedures to modify their genes to enhance their physical capabilities.

* While it is not yet known whether it has ever been done in practice, gene doping could in theory be used to increase muscle growth, blood production, endurance, oxygen dispersal and pain perception.

* Gene doping is defined by WADA as the transfer for nucleic acids or nucleic acid sequences, and the use of normal or genetically modified cells. There are currently no testing methods capable of detecting gene doping.

SOURCES: WADA/Reuters/UK Anti-Doping (UKAD)

(Writing by Kate Kelland, additional reporting by Karolos Grohmann, editing by Matt Falloon.)

Source: http://news.yahoo.com/substances-methods-used-doping-120505766--spt.html

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Retail Sales Manager I at First Citizens in Simpsonville, SC | WIS ...

Credit Risk Management
? Responsible for management of loan portfolio for officers within the unit ensuring all documentation is in place and applicable terms and conditions are adhered to
? Routinely reviews the asset quality of all loans assigned to the branch, ensuring referrals of problem situations are made to the appropriate associate
? Ensures all loans are approved within assigned lending authority and that approvals outside of authority are referred to the appropriate associate
? Maintains an in depth knowledge of consumer and small business credit policies and procedures

Sales Performance and Leadership
? Responsible for interpreting, communicating and ensuring the ongoing execution of initiatives and procedures
? Develops and integrates tactical plans for retail consumer and small business that will achieve the overall business plan/budget
? Plans activities, monitors results and assesses performance for individuals and unit
? Develops associates? sales and service skills, by conducting regular observations and providing feedback
? Conducts one-on-one performance reviews, ensuring performance action or development plans are in place, followed up and modified as needed
? Regularly reviews branch performance gaps and opportunities, using observations, best practices and tips to improve and enhance team performance
? Responsible for the attraction, retention, development and deployment of human resources within the unit
? Prepares and participates in bank and branch meetings, goal setting sessions and group huddles
? Ensures the standards of We?re on it and Customers First in every customer interaction, adding value to the customer experience and helping to maintain satisfactory branch/hub survey results
? Maintains an in depth knowledge of ancillary services, deposit products and consumer and small business lending products. Understands the basics of commercial and private banking products and services. Has an awareness of all other financial services offered by the bank and it?s affiliates
? Provides financial advice by having conversations with customers to understand their needs, uncover current and future opportunities, and recommend a full range of deposit/loan products and service solutions (Needs Based Selling)
? Works closely with partners in Commercial, Private Banking, Retail Banking, Cash Management, First Citizens Securities, and Capital Management to deliver complete client banking solutions
? Ensures the effective utilization of TouchPoint as a contact management tool to support customer retention and source proactive contact opportunities
? Ensures documentation of customer contacts, information gathered and outcomes in TouchPoint for future reference and follow up
? Supplements bank lead lists provided in TouchPoint with locally generated contact opportunities from community contacts and referrals (Ad Hoc)
? Regularly makes joint calls with branch associates
? Uses self analysis techniques to assess opportunities to improve personal quantity and quality of customer contacts and openly asks for coaching support

Operating Efficiency
? Ensures the ongoing management of the branch facility, people, budget (including salaries), credit, and operational risk policies and procedures
? Ensures branch associates operate within all delegated authorities for lending limits (if applicable), service charge refunds, waived fees, check negotiation and rate deviations
? Ensures branch associates adhere to all compliance requirements, including Customer Identification Program and all product documentation and disclosure requirements
? Ensures branch associates accurately complete documentation for all products and services minimizing exceptions to reduce customer impact
? Ensures the documentation and fee collection processes and procedures associated with real estate secured loans are adhered to and follow up is completed
? Responsible for ensuring a balance between growth and profitability
? Ensures branch associates complete annual training and assessments
? Ensures branch associates adhere to all bank policies and regulatory requirement

Communication/Teamwork/Partnering
? Communicates the corporate vision and assists associates in understanding how their individual priorities, goals and deliverables impact branch and market objectives
? Ensures associates are working together within the branch, between branches and with home office associates
? Regularly consults with credit risk partners to ensure common understanding and application of policies and procedures
? Ensures good lines of communication exist within branches, market, division and bank providing feedback to specific areas when improvements are recognized
? Actively participates in local ?deal teams? to leverage partners in the acquisition and retention of customers and prospects
? Shares best practices within branch, market, division and bank to build success and shares opportunities to provide recognition or reward to all associates
? Performs other duties not described in the position description in support of the overall bank

Source: http://wistv.careers.adicio.com/careers/jobsearch/detail/jobId/50162704/viewType/rss

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Friday, July 27, 2012

Columbia MD Personal Training ? It Will Never Be The Same

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COLUMBIA MD ? David Johnston Training and Dave Shutler Fitness have teamed up at the Colosseum Gym in Columbia, MD. This combination of the region?s top personal trainers will provide clients with the best possible personal training available in the Howard county, Columbia MD, Ellicott City area. Whether you are looking to prep for your first bodybuilding competition, trying to get into peak athletic condition, or just starting your weight loss journey, David and Dave will get you there. Both personal trainers have been running their own very successful personal training businesses for many years. They will continue to operate their own individual businesses while teaming up and consulting with each other to provide the specific type of training that each client needs.

?Dave Shutler has been involved in almost every possible facet of the health and fitness world: from running a successful personal training business, to massage therapy, to earning his certified nutritionist degree, to competing successfully in both bodybuilding and men?s fitness modeling? Dave Shutler has done it all!?, said David Johnston.

David Johnston has numerous credentials relating to health and fitness: National Academy of Sports Medicine (NASM) Certified Personal Trainer (CPT) certification, as well as specialized certifications from NASM (Performance Enhancement Specialist (PES) and Corrective Exercise Specialist (CES)). David has transformed and coached hundreds of individuals in achieving significant weight loss goals and overall living/creating a better lifestyle for themselves. David has competed and won in several bodybuilding competitions, including taking 1rst Place in the Superheavyweight Division of the 2010 NPC East Coast Classic, Dave Shutler said, ?This guy is one of, if not the most knowledgeable guys in the health and wellness field today.?

Both trainers believe that their services offer so much more than teaching you how to work out. Client Kristin N. said, ?David provided everything: support, tools, knowledge, patience, accountability and experience that I needed all in one place.? Another client, Arianna R. said, ?What I didn?t realize was that David was going to train my body and mind. I quickly was bombarded with his philosophies, because he doesn?t sugarcoat anything. He is abrupt, to the point and indifferent to excuses. However, if you do what he says, it works. David taught me what it means to work hard. David has shown me that I am unstoppable. David has given me the gift of myself.?

On their websites both David Johnston and Dave Shutler provide all the proof anyone would need to confirm that they don?t just talk the talk .On their sites you can find client testimonials, before and after pictures, photos and video of their own competitions, and well as articles on weight loss, fitness and motivation.

Are you ready? truly ready? to discover the best within you, and redefine yourself? your life, your soul, your body and your person? from the outside in? Contact Columbia, MD?s premiere personal trainers, Dave Shutler and David Johnston, exclusively at the Colosseum Gym. And discover that which you were meant to be? the warrior within.

Visit http://davidjohnstontraining.com/personal-training-columbia-md/ and http://shutlerfitnessdc.com/personal_training_columbia_md.html to find out more and to book a free personal consultation with David and Dave. Do it now!

David Johnston Training and Shutler Fitness provide life changing guidance through personal training, nutrition counseling, and lifestyle coaching. Both David Johnston and Dave Shutler have competed in regional bodybuilding and figure competitions. They work with clients from all walks of life: Weight Loss, Sports Performance, Bodybuilding and Figure Competitors and more. The train clients exclusively at the Colosseum Gym in Columbia MD.

Contact
David Johnston Training
David Johnston
(410) 429-0609
moc.liamgnull@gniniartnotsnhojdivad
http://davidjohnstontraining.com/

Shutler Fitness
Dave Shutler
(571) 643-5919
moc.liamgnull@cllssentifreltuhs
http://shutlerfitnessdc.com/

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Source: http://www.freepressreleases.com/columbia-md-personal-training/203787

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Volkswagen earnings growth slowed by tech costs and euro crisis

BERLIN (Reuters) - Germany's Volkswagen AG suffered a slowdown in underlying profit growth in the second quarter, as costs of a technology overhaul and Europe's deepening debt crisis weighed on the car maker's earnings.

Operating profit grew 3.4 percent to 3.28 billion euros (2.56 billion pounds), less than the 10 percent achieved in the first quarter but beating an average analyst forecast of 3.20 billion, as earnings increased at luxury marque Audi and VW's namesake brand - the group's two biggest divisions.

Shares in VW, maker of models ranging from the Up city car to the Bentley Continental ultra-luxury sedan, were down 2 percent at 130.75 euros by 1021, while the European sector as a whole <.sxap> was down 1.2 percent.

"VW's broad global presence and its cost-saving production patterns are the best recipe during a crisis," said Frank Schwope, an analyst at Hanover-based NordLB. "The results are strong but sales gains may slow in the second half, even at VW."

Europe's largest car maker increased first-half deliveries across its multi-brand group by 8.9 percent to 4.45 million autos. The Wolfsburg-based company has a goal of boosting sales to 10 million vehicles by 2018 and to surpass Toyota Motor Corp and General Motors Co to become the world's biggest car maker.

"Our strong position in international markets will enable us to outperform the market as a whole, despite the challenging environment," said VW Chief Executive Officer Martin Winterkorn in a statement.

Winterkorn's success in leading VW meant he enjoyed a near doubling of his pay last year to 17.5 million euros including bonuses, making him the top-earning chief of any of Germany's top 30 companies.

GROWING SALES

Benefiting from expanding operations in China, the United States and eastern Europe, VW's second-quarter group revenue surged 19.2 percent to 48.05 billion euros, reflecting growing sales of models such as the VW Tiguan and Audi Q3 compact SUVs and Audi's A6 sedan.

The manufacturer reaffirmed its view that deliveries and revenue will increase this year, while repeating a goal to match last year's record operating profit of 11.3 billion euros.

VW's results suggest the group is weathering the crisis while mass market rivals including Ford Motor Co and PSA Peugeot Citroen are floundering.

Ford on Wednesday almost doubled the loss it expects to incur in austerity-strapped European markets this year to more than $1 billion, a situation that will cause overall operating earnings to fall rather than hold steady in 2012.

Battling with overcapacity and sagging demand, Peugeot posted a 662 million euro first-half auto-division loss as it plans to weed out 8,000 French jobs and close a factory near Paris. Europe's No. 2 car maker had already announced 6,000 European redundancies last year.

Conversely VW's Spanish division Seat managed to shrink its quarterly operating loss by more than half to 13 million euros while boosting deliveries 20 percent to 119,000 vehicles.

Yet VW is also bracing for a tougher second half as sagging customer demand and growing discounts hurt manufacturers. VW's six-month group deliveries in western Europe excluding Germany declined 5.7 percent.

VW is engaged in pricing actions to promote the expiring Golf hatchback ahead of an overhauled version of its best-selling model due to hit showrooms in the final quarter.

The company is faced with upfront costs for a new architecture to assemble small and medium-sized vehicles that may absorb about 15 billion euros of costs through 2016, almost a quarter of total planned group spending of 62.4 billion on plants, products and equipment.

"The new modular building kit places a considerable weight on earnings in the short run but will prove a boon over time," NordLB's Schwope said.

The new technology will enhance VW's use of component-sharing and help reduce production costs 20 percent and assembly times 30 percent, VW has said.

(Editing by David Holmes)

Source: http://news.yahoo.com/volkswagen-earnings-growth-slowed-tech-costs-euro-crisis-110144992--finance.html

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