Tuesday, April 10, 2012

The Small Business Watchdog ? Blog Archive ? ? Veterans Own ...

With his wife Trish, Gary Walker, Missouri Small Business Person of the Year for 2011, opened a cleaning service. Their company, Magic Touch Cleaning, has thrived using environmentally friendly cleaning products. The company?s clients include banks, medical facilities, eye surgery centers, and car dealerships.

Kelly Terrien, 2011 Small Business Person of the Year for Colorado, went from dress blues to a civilian businesswoman?s suit after 10 years of military service. Today, Summit Technical Solutions, which provides professional technical services, employs 350 people.

Walker and Terrien are just two of the many veterans of U.S. military service who own more than 9 percent of U.S. businesses?an estimated 2.45 million firms in all. Advocacy?s new study on business ownership by veterans, Veteran-owned Businesses and their Owners?Data from the Census Bureau?s Survey of Business Owners, uses recently released data from the Census Bureau?s Survey of Business Owners for 2007 to examine firms owned by veterans.

Highlights of the 90-page study include the following:

  • Of the total, 491,000 veteran-owned firms were employers, and 1.96 million were nonemployers.
  • Veteran-owned firms had sales receipts of $1.2 trillion, 5.8 million employees, and annual payroll of $210 billion. Employer firms were responsible for 92 percent of the receipts, or $1.1 trillion.
  • Nearly one-third of all veteran-owned firms were in two industry groups: the construction industry and professional, scientific and technical services.

veteran-owned businesses: kind of business, 2007

  • By state, California, Texas, Florida, New York, and Georgia had the largest numbers of veteran-owned businesses. The five states with the largest shares of veteran-owned businesses compared to total businesses were South Carolina, West Virginia, Virginia, Tennessee, and Alabama.
  • Of the veteran business owners who responded to the survey, 8.3 percent had service-connected disabilities. Service-disabled veterans formed a larger proportion of non-employer owners than of employer owners, 9.3 percent and 6.0 percent, respectively.
  • Veteran business owners were overwhelmingly male (94.8 percent) and white (89.7 percent); 7.6 percent of veteran-owned firms were owned by African Americans and 4.6 percent by Hispanic Americans.
  • About 75 percent of owners were over the age of 55, reflecting the ages of veterans overall. As a group they tended to be better educated than other business owners.
  • By far the largest source of capital for veteran-owned business startup or acquisition was personal or family savings: 61.7 percent of respondents reported using this source. Business loans from banks or other commercial lenders were a distant second, at 9.8 percent.

?Kathryn Tobias, Senior Editor

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Make Your Teenagers Auto Insurance coverage Friendly | Auto ...

Obtaining a automotive and a driver?s license is every single teen?s dreams. They look ahead to the day when they?ll be able to take the motive force?s seat and cruise around city with their friends. You almost certainly have a teenager who is itching to get behind the wheel, it is sensible to organize your self and finances your money for the extra premium it is essential to pay to your teen?s automobile insurance. Listed here are some problems it is critical to know when getting auto insurance coverage to your teens.

Ever surprise why auto insurance premiums are increased for young drivers than older drivers? It?s due to the fact insurance corporations see young drivers as nice risks. The probability that your teen will meet an accident is lots higher than an older driver moving into one. There are a number of approaches you can do to save lots of on your teen?s auto insurance.

Excessive Grades
Research have shown that teenage drivers with increased grades or additional responsible than those with decrease marks in school. If you wish to save just a few dollars on your teen?s auto insurance, it is finest to encourage him to get a B or higher. Most insurance companies could provide as a lot as 10% low cost on insurance coverage insurance policies of teenagers with good grades.

Use your Insurance Coverage
If in case you have a fantastic coverage and you?re classified under the low threat driver category, then you might simply add your son or daughter to your policy. Contact your insurance provider and inform them that your teen is becoming included inside the policy. Frequently, there will solely be a minimal enhance in the amount that it?s a must to pay.

If you are driving an pricey automobile or if you don?t have a really great claims file, it could be less expensive to get a separate insurance coverage policy to your child.

Pick an Effective Car
Your child would almost certainly desire a sports automotive or a automobile that he can showcase to his friends. When selecting a automobile, take into account that a sports automobile will increase the worth of your teen?s auto insurance. Your baby, becoming an inexperienced driver is already on the high threat category do not make it worse by giving him a race vehicle. Sports activities cars are accident inclined autos and are at all times the goal of vehicle thieves. Insurance providers would see this as an increased danger, thus your premium may also be higher.

Acquiring a secure economy automobile is your greatest bet. Also, don?t forget to put in anti-theft units for you vehicle. This may assist decrease your insurance coverage expenses.

Educate Your Teen
Informing your small one in regards to the seriousness of moving into an accident and violating website visitors laws would assist you to keep away from further improve in your premium. A speeding ticket or a D.U.I will not be taken seriously by your baby nevertheless these items would gravely hurt your auto insurance premium.

If your teen commits higher than 3 visitors violations, your insurance coverage supplier may well not renew his policy anymore and you?ll discover it challenging to get a lower insurance premium after that.

Your teen can be very excited when he will get his own vehicle. Just keep in mind to educate him find out how to be a responsible driver. Explain to him how his actions can have an effect on his driving record and your auto insurance policies.

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Monday, April 9, 2012

Sumo: First Arab wrestler chases glory in Japan

First Arab sumo wrestler chases glory in Japan

TOKYO ? With legs resembling tree trunks and packing the body weight of two average-sized men, sumo wrestling's "Great Sandstorm" would seem a good fit for the wildly popular Japanese sport.

But Egypt's Abdelrahman Ahmed Shaalan, the first professional sumo wrestler from both the African continent and Arab world, faces some mighty challenges as he embarks on a quest to become a yokozuna, or grand champion.

The man known by the ring name Osunaarashi, which translates as Great Sandstorm, prays five times a day as a devout Muslim, a tough routine given the intense daily training schedule required for sumo's highly ritualised contests.

Small in number, foreigners are vital members of tradition-bound sumo as more Japanese youngsters with high athletic abilities tend to choose baseball, football and other lucrative or more high-profile sports with less rigid conventions.

Mongolians have been a dominant force in the top ranks for years, although Shaalan is among the sport's first Muslim competitors.

As such, the 20-year-old does not touch the deep-fried pork cutlets loved by millions of Japanese or drink vast quantities of beer and rice wine sake, staples of a diet that sumo wrestlers rely on to bulk up.

Muslims avoid pork and alcohol.

But Shaalan, who quit his university accounting degree to enter sumo's professional ranks, is undeterred, even brushing aside the challenges presented by the holy month of Ramadan when he cannot eat or drink during daylight hours.

Regular sumo tournaments are held in the afternoon.

"I am confident that I can overcome my challenges," the burly wrestler told Japanese media last month after winning his first two professional-level matches at a tournament in the western city of Osaka.

Shaalan, a native of Giza, which is home to Egypt's pyramids, insisted he was able to train for at least four hours in the daytime during the Islamic celebration.

"I want to become a wrestler who represents Arab and African nations.... My dream is to become a yokozuna," said the Egyptian, who stands at 189 centimetres (6 ft 2 ins) and weighs 145 kilograms (320 pounds).

He did, however, concede: "I am a little bit worried. But no problem."

Japan's sumo association could not say whether the Great Sandstorm is the sport's first Muslim competitor. There have been unconfirmed reports of Muslim sumo wrestlers in the past.

His coach, a former wrestler known as Otake, has promised he'll keep his new recruit in top shape, even changing the recipe for a meat, vegetable and fish stew known as Chankonabe which wrestlers devour on a daily basis.

"When we serve pork cutlet, we prepare chicken cutlet for him. When we use pork for Chankonabe, we let him eat something else," the coach said.

"But I want him to get used to the customs and traditions of the sumo world otherwise."

Shaalan's coach is most concerned about keeping his young apprentice focused amid the media storm sparked by the newcomer's spectacular debut, which included dumping his Japanese opponent with a powerful arm throw.

"It was very exciting," declared the novice, who was not allowed to do a one-on-one interview under sumo association guidelines for new recruits.

Otake was less enthusiastic about the victories that earned Shaalan a coveted spot in the sport's bi-monthly tournaments, although he will start at the bottom of the rankings at the next meeting in May.

"He needed to crouch lower in exchanging thrusts," the sumo master said, adding that his apprentice was not flexible enough to do the splits.

"I will teach him to become more humble as his ranking rises."

Shaalan's arrival in the pro ranks came after he won an open-class bronze medal at the 2008 world junior sumo championships and an over-100 kilogram bronze at the 2010 edition.

Despite its popularity, the sport has suffered in recent years with a hugely damaging bout-fixing scandal that infuriated the public and forced the resignations of about two dozen wrestlers and a stablemaster.

Sometimes brutal training methods and allegations of illegal drug use have also come under the microscope.

None of that is likely to turn off the determined Shaalan, whose love affair with sumo began at the age of 15 when he was invited by a friend to a practice session.

"I was impressed by the strength of sumo wrestlers who behaved as if nothing had happened even after they lost or got tired," he said.

"I want the world to understand sumo."

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Robin Gibb?s Health Takes Turn For The Worse?Battling Pneumonia

Robin Gibb’s Health Takes Turn For The Worse…Battling Pneumonia

Robin Gibb is reportedly battling pneumonia just a month after learning his colon and liver cancer was in remission. The 62-year-old Bee Gee star’s health [...]

Robin Gibb’s Health Takes Turn For The Worse…Battling Pneumonia Stupid Celebrities Gossip Stupid Celebrities Gossip News


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Yemen: Ex-president's loyalists attack airport

SANAA, Yemen (AP) ? Loyalists of former Yemeni leader Ali Abdullah Saleh seized the country's main airport Saturday as tanks and armored vehicles occupied the tarmac and forced authorities to cancel flights, a day after a military shake-up in which key commanders were fired.

Driving pickup trucks mounted with anti-aircraft guns, armed tribesmen along with troops in uniform blasted buildings of Sanaa International Airport and opened fire on one of the airport surveillance towers before surrounding the entire complex, blocking roads and turning away passenger vehicles.

The standoff highlighted the challenges facing the country's new leader, who must balance a promise to purge ex-regime elements from the army with the lingering influence of his predecessor.

At stake is the stability of the Arab world's poorest country, where al-Qaida is poised to fill the vacuum.

Yemen's new president, Abed Rabbo Mansour Hadi, fired several generals and other figures from the old regime Friday in a bid to show he was making good on promises of reforms and to appease protesters worried Saleh is trying to wield power from behind the scenes. In his more than 30 years in power, Saleh had stacked key security and government posts with relatives and cronies.

The restructuring didn't touch the ex-president's son Ahmed, who kept command of the well-equipped and powerful Republican Guard, or Saleh's nephew, Yahia, the head of the Central Security Forces. The show of force appeared to be an attempt to intimidate Hadi from trying to implement more sweeping reforms that would remove them and other family members.

Both men deployed forces to help with the airport siege, according to military officials.

Saleh was the fourth ruler to fall in the Arab Spring wave of revolts in the Mideast, stepping down in the face of protests according to a Gulf-brokered agreement under which he handed over power to Hadi, who was his vice president. But the deal allowed him to remain as head of his party, kept half of the cabinet ministries in place and did not stipulate that he must leave the country. Some fear he may someday try to return to power.

Many Yemenis are worried about his loyalists who command military units. The army recently has suffered several defeats in its war against al-Qaida-linked militants who took control of several towns in the south of the country, and many believe that Saleh commanders may be actively sabotaging the campaign.

"Al-Qaida flourishes at times of conflict and its sleeper cells expand to even the capital Sanaa," political analyst Mansour al-Saghir said.

Among those fired were Saleh's half brother, the air force commander Mohammed Saleh al-Ahmar, and his nephew, Tariq, who headed the presidential guard. The air force commander was replaced by former Air Force commander Rashid al-Hanad, but aides said he would not give up his post until Hadi also fires some of the ex-president's opponents.

They were referring to Gen. Ali Mohsen al-Ahmar, who defected last year to the mass uprising that called for Saleh's ouster and brought his First Armored Division to protect protesters. The two men are from the same tribe but are rivals.

"I will only step down if al-Ahmar leaves his position," aides quoted the air force commander as saying. They spoke on condition of anonymity because they were not authorized to speak to the press.

Later Saturday, a Defense Ministry official said that top security officials have pressed al-Ahmar to accept Hadi's decisions and that he agreed on pulling his forces and to end the standoff at the airport.

Al-Ahmar denied during a meeting with security officials that he deployed troops and said the airport is occupied by tribesmen who are rival to Hadi's government, the official said, speaking on condition of anonymity because he wasn't authorized to talk to the media.

Meanwhile, al-Qaida's branch in Yemen, which Washington believes is the most dangerous arm of the terror group after repeated attempts to carry out bombings on American soil, has only grown stronger throughout the turmoil and has made substantial gains in the south. Intelligence officials said the terror network would likely try to exploit the internal fighting.

Saleh was a staunch U.S. ally in the war against terror, and the Americans hope Hadi can reinvigorate the fight. But several Yemeni intelligence officials said the continued instability was threatening the effort.

The U.S. has poured more than $326 million in security and civilian assistance into Yemen since 2007. The funding flow, however, was abruptly turned off last year as political and security unrest raged.

While no agreements have been cemented, U.S. defense officials said as much as $75 million (euro57 million) in military assistance could begin to flow later this year. The plan is in line with the Obama administration's intention to provide significant security and civilian aid to Yemen in 2012-13 as long as the country continues to move toward a new government and funding is kept out of the hands of insurgents.

The U.S. and neighboring Gulf countries who participated in the peace effort issued a statement expressing "extreme worries toward the steps take to resist changes in Yemen."

Yemeni political analyst Sami Ghalib said that the latest measures would boost Hadi's popularity among protesters, "something Saleh and his loyalists would not like to see happening."

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Sunday, April 8, 2012

Great Reasons to Order Moving Boxes While Relocating | Real ...

Packing your things correctly while relocating will help make your move smooth and a little better especially when loading and offloading. The use of moving boxes makes it even easier for you as they can help hold your stuff, can be numbered and can also be loaded and offloaded with ease. There are many reasons why it?s recommended that you use boxed while making your moves. Read the rest of the article below, it would give you a lot of information about how to relocate moving boxes. Among them are:

By using boxes, you will help make the process easier. Since the boxes are strong and uniform, it will be easy while being handled. The boxes also help in saving space that could actually be covered by your unpacked stuff hence reducing the overall cost that you would be charged for uses of space. It will also help the Long beach movers company reduce the time that would have been taken if your goods were to be arranged in a truck without boxes. However, the professional movers provide their boxes in most of the instances.

After you have hired Long beach movers company, they will appreciate being able to stack your personal belongings into the truck faster hence saving some time. Since there is uniformity in the boxes, you will not expect to see them topple over another hence making it a great experience. You cannot imagine how the scenario will be without boxes or when different sizes of boxes are used. You can be sure that you will help save the situation a lot when you use boxes of similar sizes.

By getting enough moving boxes in advance, you will be able to make use of the effort that is provided by your friends. This could be well before your actual moving date and inn the process, if there is need, you will get out getting some more boxes before the Long beach movers company arrives. This will help make the process faster as there will be no time wasted on the actual day of your moving out. You will be able to pack everything in the se boxes since they are strong enough to handle even the fragile things. When it comes to marking the boxes, it?s even easier since whatever is inside can be known by looking at the label that you have attached.

Your time and money will be saved, no doubt about that. You will appreciate that your items are packed securely and the rate at which breakages occur might be minimized. The entire process might be simplified and at last, you will appreciate being able to save a lot of time.

If you can reduce the time that spend on the relocation day, why not try these boxes?Furthermore,you could end up paying Long beach movers company reduced amount by doing your packing a lone hence its imperative that you order the boxes in advance and pout everything in order.

Get a FREE moving quote from the best los angeles moving company around today at http://www.1losangelesmovers.com/ ? Go to the website now to get your FREE quote and see why everyone in Los Angeles is calling us the BEST!

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My Chemical Romance Star Frank Iero & Wife Jamia Welcome Son

My Chemical Romance Star Frank Iero & Wife Jamia Welcome Son

Frank Iero and his wife Jamia are celebrating after welcoming a baby boy on Friday. The My Chemical Romance rocker and his wife named their [...]

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USGBC Announces 12000th LEED Certified Bldg

The US Green Building Council (USGBC) has certified its 12,000th project through the LEED Green Building Program. Since its launch in 2000, the Leadership in Energy and Environmental Design program has transformed the way built environments are designed, constructed, operated and maintained.

?Twelve years after the first 12 projects earned LEED certification, the green building community has reached a significant milestone,? said Rick Fedrizzi?

Source: http://www.costar.com/News/Article/USGBC-Announces-12000th-LEED-Certified-Bldg/137134?ref=/News/Article/USGBC-Announces-12000th-LEED-Certified-Bldg/137134&src=rss

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list penny stocks | Coaching Internationally

Merchandising in shares is actually a really widespread way of investing and
has long been about penny stock egghead review considering the fact that the 12th century. You could
have noticed investing in penny shares is stuffed with chance, notwithstanding
Investing in almost any business on the whole is precarious
enterprise, even so for those who are likely to be buying and selling within the penny
current market you need to make by yourself prehensile
about every single business to keep away from the imposition, rip offs, pump and
dumps, and also other schemes to alienate you from the
agonizing attained chips. With no bare knowledge of your shares
you can be investing in you can make
boundless faults from confoundment and absence of course.
By designation any stock investing underneath $5.00 is
envisioned a penny stock are in lots of circumstances labeled as profoundly
precarious securities.

The reality is they ended up well worth a minuscule portion of your value that they?re at present valued at, but that does not suggest they have been penny shares. Shares do anything known as a stock split, the stock cost is slice in 50 percent, along with the quantity of shares readily available double.

Furthermore the men and women who individual shares are granted the possibility to individual 2 times as a lot. What seems to obtain the moment been a stock really worth pennies might not happen to be. The most beneficial shares to purchase now, are not always worthy of pennies, nonetheless they could have that physical appearance when they have got gone up drastically.

You should actually recognize data if you prefer to spend money on penny shares and you?ve got to use it. If a stock both doubles or goes to zero, so you get it to double 10% on the time, that is not math which is as part of your favor. Having said that, when the stock went up ten situations the sum and went from ten cents to $1 or maybe more, then you certainly possess the process doing work. nine occasions you might drop ten cents, but to the 10th time you develop ninety cents or maybe more. Making sure that is definitely the break-even stage in a minimum amount. Sad to say, this will however be considered a dropping proposition in the event you are unable to take care of income administration.

A further process to uncover the most beneficial shares to put money into is always to use an instrument that is definitely termed specialized research. Specialized assessment makes an attempt to ascertain upcoming value developments by studying components just like past costs, trade volumes etcetera. A range of indicators introduced as graphs exhibit stats on shares and current market sectors. Making use of these indicators can provide you an indication with the existing achievements of promote sectors, even though also aiding you in choosing the right shares in a very distinct sector. Essentially the most crucial worth of specialized evaluation is always that it helps you inside your selection when to purchase and when to market a stock. A lot of the most employed specialized indicators are going averages, bar graphs, craze lines, assist and resistance, quantity, momentum, relative energy, overbought/oversold oscillators, and stock styles for example head-and-shoulders formation. Due to the fact these indicators are introduced as graphs, it?ll be vital to seek the advice of world-wide-web internet websites that deliver these specialized graphs. To use specialized indicators finest, unique stock marketplace courses can be obtained to help you with specialized examination when you?ve got develop into an sophisticated trader.

A penny stock traded around the over-the-counter trade includes a increased possibility of currently being delisted for insufficient compliance. In case the certain corporation is not able to record its stock on one more trade or come to be re-instated, it?s possible you?ll eliminate 100% of your respective expense. You?ll want to take into consideration this significantly, in case you plan to choose extensive positions within a penny stock.

Numerous new traders are drawn to penny shares, presented their minimal value and prospective for sizeable gains. There are circumstances wherever penny shares rose much more than 1000% in a very several times while in the previous, but this really is very unusual and normally the cost is simply not sustained. You?ll find historical evidences that the majority penny shares shed their overall worth. When you certainly are a new trader, you have to know about the perils concerned.

For those who nonetheless need to put money into penny shares, do the related homework in to the company?s fundamentals and disregard the pre-conceived theories with regards to the successes from the penny shares while in the previous.

In case you have made a decision by no means to carry a stock which will get about the $2 stage since the very best penny shares to trade are below $2, then you definately need to provide all of your shares the minute they strike $2 in place of hoping for one more nickel or dime. Your ideal possibility of remaining a person of those that generate an income in penny shares, getting a approach to settle on the top penny shares, and sticking wh it, is your most effective hope.

He contains a faithful adhering to and my time obtaining his publication illuminated the explanation why: Basic, immediate achievements with fantastic stock picks for day investing penny shares. But why really should you give Doubling Shares a shot? Simply because you have completely almost nothing to get rid of. Probably you will not locate it as worthwhile to you personally since it was for me. But why would you not at the least give it a shot with all the extraordinary 8 week one hundred % risk-free trial?

This is simply not highly-priced. This isn?t time-consuming. You must determine how lousy you?d like your economic independence. You do not even really need to examine my impression after you can look at it out for oneself. Go consider Doubling Shares now though you?ll find nonetheless subscriber slots still left.

And that?s a single ultimate, crucial position. If you are in any respect intrigued, just get it done and get it done now. This is not a services open up to anyone continuously. Michael closes off entry to Doubling Shares each few of months simply because he would not want way too lots of men and women pillaging his picks and impacting the marketplace. So if you prefer in, visit it! Commence day investing penny shares now!

Charlotte Simms is really a previous instructor and engineering advisor. Her hope will be to deliver valuable, empowering know-how to the lives of people that really feel intimidated by issues like running a blog, the net and on the internet stock investing. Does one believe a bit of speedy hard cash may enable you out? Does rapid mastery of day investing look like some thing you would take pleasure in? Find out more about acquiring money flexibility by means of penny shares.

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How to Create Hotel Measure for Security and Safety | IT&C Everyday

Sorry, Readability was unable to parse this page for content.

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Mariano Rivera Blows Save To Rays As Yankees Lose Opener

Mariano Rivera Yankees Rays

New York Yankees reliever Mariano Rivera, right, walks off the field after giving up a game-winning RBI single to Tampa Bay Rays' Carlos Pena, Friday, April 6, 2012.

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Friday, April 6, 2012

(workathometopics.com) Welcome to Work at Home Topics. Free ...

April 6th, 2012 JoseMPearson Posted in Internet Based Businesses | No Comments ?

The Veterans Administration (Virginia) offers veterans and active duty support members some wonderful opportunities to make their homes more comfortable, more valuable plus more energy-efficient. VA Home Improvement Financial loans are guaranteed from the federal government and are available as a result of lenders who supply home upgrade capital.

Not Really a Government Bank loan

Getting a VA Redesigning Loan is not really acquiring a loan from the Veterans Administration. Neither the Virginia nor the federal government is a bank. They do assure full repayment of the loan, though. This particular takes the risk aspect out of the loan to the lender and they are usually willing to offer very reasonable interest rates on this kind of loans.

Advantages of any VA Home Improvement Bank loan

Traditional lending institutions such as banks and lending institutions have raised their financial benchmarks considerably since the mortgage debacle with the last decade. Standard home improvement Loans are rather hard to come by. Virginia Home improvement Loans get some distinct advantages:

- No cash put in is required.
- Virtually no penalties are put on if the loan pays off early.
- Because of the government ensure, veterans and service users get the best interest rates.
- Qualification is so easier than for conventional do-it-yourself loans.
- Energy-efficiency targets for home improvement usually are sought after by the federal.

Energy Efficiency High in the List

The federal government features among its coverage goals to reduce reliance upon foreign energy sources. In which being the case, any number of energy-efficient upgrades are ok for financing that has a VA Home Improvement Mortgage. Among them:

- Updating heating and cooling systems with a lot more energy-efficient systems.
- Improving insulation or caulking.
- Upgrading storm home windows and storm entrance doors.
- Installing energy-efficient a thermostat.

Some Restrictions Implement

You cannot borrow a quantity that is more than 90% on the available equity inside the property. You will need to seek advice from your present lender to discover how much equity your home now holds. When you must borrow over $3,000, you will have to demonstrate that the improvements may lower the household electric bills. If you borrow a lot less than $3,000, you need solely show the lender your receipts. If you borrow more than $6,000, you will need to get the home priced once again. Energy performance need not be the only objective for a VA Do it yourself Loan. Other makes use of can include:

- Brand-new windows, new doors, new siding or even a new roof.
- New plumbing or even new wiring and also attendant fixtures.
- Additions, such as a sleeping quarters or a garage.
- Bathroom, basement as well as kitchen remodeling.

Additional Considerations

VA Do it yourself Loans can be financed for up to 15 years. You might be able to qualify for multiple improvement loan, as an illustration, one for an inclusion and one for new plumbing. With VA Do it yourself Loans, credit scores can be a consideration depending on the loan provider. However, with the assure of the federal government, these kind of will not play seeing that large a roll as in conventional financial products. Check with a bank experienced with these types of personal loans.

Money In Your Pocket

Making improvements on your house is the next best thing in order to putting money in your pocket. It would behoove virtually any veteran or assistance member who owns your house to take advantage of any VA Home Improvement Loan, not only for immediate comfort, but also for value about down the line.

For more information about Home Remodeling Ideas visit our website.

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US executives at bailed-out firms have pay cut

(AP) ? Top executives at three companies bailed out by U.S. taxpayers during the 2008 financial crisis were ordered to take pay cuts by the federal government.

The Treasury Department says nearly 70 executives at American International Group Inc., Ally Financial Inc. and General Motors Co. had their annual compensation reduced by 10 percent. The CEOs of each company had their pay frozen at 2011 levels.

All three companies have yet to repay what they received from the $700 billion bailout and therefore are subject to pay cuts.

AIG still owes taxpayers around $50 billion. General Motors owes about $25 billion. Ally Financial about $12 billion.

Even with the compensation freeze, the chief executives are expected to be well paid this year.

General Motors CEO Daniel F. Akerson is expected to earn $9 million in stock and salary this year. Ally Financial's CEO Michael A. Carpenter is set to earn $9.5 million in total compensation. AIG CEO Robert Benmosche will make $10.5 million.

Associated Press

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NMSU students win state's first business ethics competition

April 4, 2012 by Janet Perez, NMSU News Center

NMSU won firstt place at the inaugural New Mexico Ethics Competition in March. Front row left to right are team members Ricardo Trejo, Chloe Kuntz-Philips, Emily McGowan, Malcolm Winston; team mentor, Bruce Huhmann; judge, JoLou Trujillo-Ottino, president of Mediaworks; and Doug Brown, dean of UNM’s Anderson School of Management. Back row left to right are judges John A. Carey, president of the New Mexico Society of CPAs; Linda Parker, CEO of Retirement Strategies; Loren Kuehne, executive secretary of the Rotary Club of Las Cruces; and Mike Lowrimore, senior vice president and New Mexico regional manager for Bank of the West. (Provided photo)

NMSU won first place at the inaugural New Mexico Ethics Competition in March. Front row left to right are team members Ricardo Trejo, Chloe Kuntz-Philips, Emily McGowan, Malcolm Winston; team mentor, Bruce Huhmann; judge, JoLou Trujillo-Ottino, president of Mediaworks; and Doug Brown, dean of UNM?s Anderson School of Management. Back row left to right are judges John A. Carey, president of the New Mexico Society of CPAs; Linda Parker, CEO of Retirement Strategies; Loren Kuehne, executive secretary of the Rotary Club of Las Cruces; and Mike Lowrimore, senior vice president and New Mexico regional manager for Bank of the West. (Provided photo)

A possibly rogue state tax collector, anonymous complaints and supervisors turning a blind eye to questionable behavior.

Finding an ethical solution to that hypothetical situation recently earned a team of students from New Mexico State University first place in the inaugural New Mexico Ethics Competition.

Through its participation in the Daniels Fund Ethics Consortium, NMSU?s College of Business strives to teach principle-based ethics to its students. A team of those students competed in an ethics case competition hosted by NMSU and the University of New Mexico?s Anderson School of Management on March 30, in Socorro. NMSU took on teams from UNM, the New Mexico Institute of Mining and Technology and New Mexico Highlands University.

?I was very proud of our team?s performance and its ability to apply principle-based ethics to a tricky ethical dilemma,? said Bruce Huhmann, an associate professor of marketing at NMSU and the chair of the Daniels Fund Ethics Initiative at the College of Business. ?They received the hypothetical situation at 11 a.m. on the day of the competition and had only two-and-a-half hours to put together a presentation for a group of business people.?

The NMSU team?s case involved a star performer in the Texas Comptroller?s Office, Revenue Accounting Division. Complaints received through the agency?s anonymous hotline accuse the employee of using aggressive collection methods and abusive language, and accepting ?free? box seats to University of Texas football games. His superiors have been turning a blind eye to the alleged behavior because the employee does such a good job collecting overdue sales tax revenue from small business owners. Aside from the anonymous complaints, there is no evidence that anything illegal has occurred, but the situation is raising ethical red flags.

The students first were given roles to play in the organization and held a meeting to try to work out what was really happening. The students then had to come up with a 15-minute presentation to the judges, which would be followed by a 10-minute question-and-answer session.

In picking the winner, the judges lauded the NMSU team for successfully tying ethical principles to their solution to the dilemma and for providing thoughtful responses to challenging questions. One judge told the team, ?Sometimes the questions were tough, but you managed to give a good point in response.?

Business students Malcolm Winston, Ricardo Trejo, Emily McGowan and Chloe Kuntz-Philips, who also serve as ambassadors for the College of Business, fielded NMSU?s winning team. Grace Ann Rosile, an associate professor of management, prepared the team for the competition.

?The ethical principles these students are being taught include acting honestly and respecting others? rights and property, which should be used to guide decision making,? Huhmann said. ?The competition?s role-playing simulation challenged the students to follow their ethical principles in a difficult situation that could occur in any organization.?

Another group of NMSU students will face teams from the other seven Daniels Fund Ethics Consortium schools at an ethics competition in Denver later this month.

For more information, contact Huhmann at bhuhmann@nmsu.edu.

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Thursday, April 5, 2012

Auditory Deprivation

Auditory Deprivation ? Can my hearing get worse if I don?t wear hearing aids?

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Auditory deprivation refers to a person?s lack of adequate hearing stimulation.? Studies have shown, with time, the ability to process sound into meaningful words such as speech can deteriorate if there is not adequate stimulation to the brain. The hearing levels don?t necessarily get worse by not wearing hearing aids, but the ability to understand speech and process the information can deteriorate. This is known as Auditory Deprivation. We are depriving the auditory system in the brain of receiving adequate sound stimulation and our brain gets? lazy?.

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With auditory deprivation, the brain gradually loses some of its information processing ability.? Several investigations have shown that people, who wear only one hearing aid, experience a reduction in their ability to understand speech in the ear that has not been stimulated with a hearing aid.? The ability of the auditory system to process speech declines due to a lack of stimulation to the ear that was not fitted with a hearing aid.

Many of my clients ask if wearing hearing aids will make their hearing worse like wearing glasses. This is not the case with hearing and as mentioned above, not wearing hearing aids can cause our auditory system to deteriorate. The hearing aids will not make the hearing levels worse.

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Many individuals with hearing loss wait many years before they try hearing aids.? This may be due to denial, negative stories about hearing aids, stigma or cost.

They have gone for a long time without stimulation to both ears and their ability to understand speech may be poor.?If a hearing loss is present in both ears there are advantages of wearing two hearing aids such as improved sound localisation and better hearing in background noise.? However, another benefit of wearing two hearing aids is to reduce the effects of Auditory Deprivation. The old expression ?use it or lose it? seems to apply to our ability to hear and understand speech.

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For a confidential discussion with an Audiologist regarding your hearing, call AudioLogic Hearing Services on 9754 4162.

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http://www.audiologic.net.au/

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Mike Ragogna: SXSW Hangover 1: A Conversation With Perez Hilton, Plus Chatting With Ian Anderson and Wilson Phillips

2012-04-04-perezimage.jpg

A Conversation With Perez Hilton Interview in The Hard Rock Lounge During SXSW (Better Late Than Never)

Mike Ragogna: Hello, Perez!

Perez Hilton: Hello!

MR: What in the world is going on here today?

PH: Well, I am here because I love coming to Austin every year for the SXSW music festival. This is my 6th year coming and my 5th year putting on a big event. This year, I'm especially excited because we've been able to raise $45,000 for the VH1 Save The Music foundation.

MR: Perez, can you go into that relationship?

PH: I had a light bulb moment. I was like, I'm doing this every year, I should also turn it into an opportunity to raise, not just money, but also awareness for a cause that I believe in. Also, as a side by-product, a good thing that came from that was that I can sell tickets, which can be a guaranteed admission to the party. In previous years, a lot of people wanted to go to my party but not everybody could get inside because we always had more people requesting free tickets than there was capacity. Now, people could buy a ticket, get a guaranteed admission, and support music education in America. We've raised over $45,000, which is more than enough money to reinstate a music program in the middle school or high school that has lost their music program. The great thing about music education is that it's been proven that kids who study music in middle school and high school do better across the board. They do better in math, and if it weren't for music and musicians, there would be no SXSW.

MR: Nice, exactly. In fact you have been a supporter of new acts for as long as you've been coming here.

PH: Absolutely. That to me is what SXSW is all about, it's about new music. It's not about the party, which it's become a lot, and it's not about the brands, which I am thankful for because it allows us to put on the big parties. But I always get frustrated when people say, "Oh there was no big headliner," or "There was no surprise act." Well, there is no surprise act at my party, I'm saying that loud and clear. But I'm also thrilled with my lineup and it does have some established people like B.o.B. and Timbaland, and some newer people that are also established like Devin, and some established people overseas that are really big internationally like Ed Sheeran who's had a couple of number ones in the UK, or Cher Lloyd who's also had some number ones in the UK. And then some young talent I think is phenomenon like Rosi Golan, singer-songwriter in that vain, or Cris Cab--I see him as a young John Mayer. I'm really excited to present these young talents to four thousand people in my venue, and also the millions of people who read my website every day, because I've been hyping this up for a while now.

MR: When you look back at the artists that you've introduced, do you feel proud of the fact that you helped participate in people's awareness of them?

PH: Definitely proud because I would never take credit for anybody's success, but I think that I have helped. I remember my first SXSW party in 2008. It was a pretty epic lineup. Back then, I had Katy Perry before she had released her album, before she had released her single. I also had Robin, and it's been great to see both Katy and Robyn skyrocket and become very successful, especially someone like Robyn who's been able to become very well known in America with little to no radio play.

MR: And there's also Kendra. When you're looking at this new batch, are you watching a couple of them and going, "Hmm, I think this one is going to happen pretty big?"

PH: I think it's going to happen for everybody performing at my party, and that's why I pick them. I definitely select every single artist performing. I get everybody asking and lobbying, but I genuinely have to really love everybody performing, and I do.

MR: Perez, what advice might you have for new artists?

PH: I would say it definitely helps if you're in Los Angeles, so move to LA. That's one piece of advice that a lot of people may not give, but I think it's easier trying to start if you're in LA because that's really where the music world has shifted to. It's not New York any more. There's a great music scene in Austin, but if you really want to be seen by the right people and have the right opportunities, you need to be based in Los Angeles. Then again, because of the Internet, anything is possible from anywhere. Unless you get lucky, it's easier in LA, and I'm not saying it's easy either. It's not easy.

MR: Lady Gaga...you nurtured a relationship with her. How about these other acts? How personal does all this get for you?

PH: It gets very personal. I think I'm like a parent, a dad. I call myself "Papa Perez" to a lot of musicians, and they call me that. I love it because it's more than just supporting these artists. I have relationships with a lot of them and I really care for them, and I give them advice. They ask me for feedback and input and I love that.

MR: Do you find that there are common things that they're asking for all the time, when they ask for advice?

PH: They ask me to listen to music, to look at photos, look at music videos, everything really.

MR: You're going to be doing this a lot longer than this year, right?

PH: Oh yeah. This is my 5th year doing this, and I have no intentions of stopping.

MR: Are you already looking at the next crop of new talent for next year?

PH: I can't plan that far in advance. If you would have asked me a year ago who would perform at the SXSW party tonight, I would not have known because a lot of these artists weren't making headlines, or on my radar last year.

MR: So you're psyched for tonight's performances?

PH: I am so excited.

MR: Thank you very much, Perez.

PH: Thank you!

Transcribed by Narayana Windenberger


2012-04-04-61X5TfgIDSL._SL500_AA300_.jpg

A Conversation With Ian Anderson

Mike Ragogna: Ian, how are you?

Ian Anderson: Well, remarkably well, considering my advanced years and the state of mental degeneration that I was in earlier today when I was starting my couple hours rehearsal of learning the second half of side two of Thick As A Brick 1, if you can grasp all of that. Sometimes, I feel like I'm a little senile, then about ten minutes later, I think I've nailed it. I remember every note now, and it all goes to plan. It's a big job, picking up the pieces of music that haven't been played live for forty years, and then, of course, all the new material which is much fresher in my mind and the minds of the other musicians, because we just finished recording it in December of last year.

MR: Regarding Thick As A Brick 2, what was the creative stimulus that got you into wanting to expand the on original Thick As A Brick?

IA: Well, after 39 years of steadfastly refusing to entertain any notion of going to a nostalgic revisit of 1972 to do a follow-up of Thick As A Brick, I changed my mind largely because the question was posed, "I wonder what Gerald Bostock would be doing today," Gerald Bostock being the fictitious eight-year-old child, a precocious little bugger who supposedly wrote the lyrics to the original Thick As A Brick. That question...how might he have turned out in life, what various outcomes might have taken place according to decisions to he might have made in his growing years and then adult life, how luck, good and bad, might have treated him. So, that was one question I had, and the other thing was what would have happened to the complete chronicle of the 16-page newspaper that formed a packaging of the original album, what would that be like today? So, of course, it wouldn't be in print media anymore because that stuff just doesn't really sell, so it would be an online community newsletter; simply.com was the fiction, and, of course, is the reality. You can go to www.simple.com and learn about life in the slow lane of middle England.

MR: Ian, some analysts or psychologists would say that when we write, when we're having relationships with other people, etc., it's about having it with ourselves. How the child grew up, was there a part of Ian in that child?

IA: Well, there's always going to be a little bit of autobiographical content, really. I think it gives authority to something you write, to put a little bit of yourself in there. There are people who put a lot of themselves, or everything is themselves, into their songwriting. That's what makes Alanis Morissette different. She's a heart-on-sleeve person as a songwriter, she's a lovely songwriter and I love her work, but it's very much "I," "Me" kind of music, whereas I'm more a portrait painter. I enjoy writing about other people. I like to create some narrative, people in a landscape, people in a context. Of course, I vest those characters with a little bit of myself, because that gives the authority of the experience. It gives it some credibility, and sometimes, I'm vested with knowledge of other people, not me, but stuff that I know about other people that I'm close to, or people that I know a lot about. There always going to be a little bit of me in something that I write that involves another character. But I draw the line at telling you too much myself.

When I sing about Gerald as a gay rent boy, then yes, there's a little bit of me in there, but I haven't ever actually been paid for it. I'm just kidding. When I was a young teenager, my father decided...for some reason, he thought I was gay, or that I was going to become a homosexual. He was really nasty to me about it and it really upset me. First of all, it gave me, I suppose, a better understanding of the gay community--we didn't call it that, but that's what it was. But maybe it was a good thing, maybe it made me more tolerant and understanding myself. But it hurt me myself, it hurt me a great deal that he used some pretty cruel words to describe me and was obviously fearful, in some awful, stereotypical way, that I was going to become gay. That was upsetting to me. I wasn't sure what I was going to be at that point, I had not really had any experience of girls or boys, and frankly, I didn't really know. I'm not entirely sure even now, except that any chance I might have had to feel another man's bottom is probably going to have to wait a long time because I'm not that attractive to males or females these days. (laughs) But I don't think that I'm gay. My father makes this rather stereotypical decision and it upset me greatly. I'm singing a little bit about my experiences of being, perhaps, a rather artistic child, someone who preferred drawing, painting, reading, and flower-arranging--not really. But you know what I mean. I preferred the more gentle, artistic side of life to playing sports or fighting with other boys. I don't know what it was, but he got it in his head that I was a puss, I was a Jessie...those are the words I use in the song. I wouldn't use those words if they didn't actually mean something to me. That should be offensive to people if I couldn't give them that authority in the sense that I'm singing about me there, but it's just a little bit of it, I didn't go on to become gay, or a rent-boy. I could've, maybe, if the money had been right.

MR: Ian, when you finished Thick As A Brick 2, were there any major revelations about the first Thick As A Brick that you maybe hadn't had before?

IA: Well, I had to do quite a bit of personal investigation with the inter-figures of ...Brick 1 to see how far I wanted to make any cross-references between the two. I really needed to understand what I'd written back then, forty years before. I think I was pretty cognizant of it all and I started work on the new album in essentially January of last year. I wrote in a period of three weeks, from one bit of pre-prepared music, which I modified, and utilized something I had written a couple of years before as an instrumental piece, and I brought that into play...the lyrical mood of the whole album. But most of it was written in January of last year and it was something that I think I very knowingly made little references to in the lyrics, and sometimes in musical terms, to the original album. There may be six to eight of them, little deliberate attempts to have little cross-reference moments for those people who pay attention to detail. I know a lot of people who missed some of these moments, they haven't seen them, they haven't heard them. Other people spot them straight away, so I think that's the way that I enjoy. I like making it a little obvious, not so obvious, and that's quite obscure. I would think there are six to eight of those moments on the new album.

MR: What do you think about Thick As A Brick's impact on pop culture?

IA: Well...it was in 1972, designed to deliberately send up the earnest and self-indulgent bands like Yes and Emerson, Lake and Palmer, the early Genesis, and so on. But I was doing it in a good-natured way, having a little fun with that genre underneath the parody. Parodies, in general, are often comic masks of something of much more serious portent that lies beneath, and I think this album was very much like that. There was a lot of serious stuff embedded in the lyrics of Thick As A Brick--a precocious young school boy uttering notions of militaristic grandeur, battle between father and son, and all those age-old issues. These are part of what led to a serious underlying narrative through the piece. I think that was an important thing, but as to its impact as for pop, rock, music, or culture, I think it's in there, it's in the mix somewhere--a brief moment or two at number one on the Billboard charts, and people paid attention to it for a little while. But I don't we think should overstate its importance. It's one of those records that made its impact with a quite clever and creative album cover. I do think that was very much the case. Luckily, I got there just before John Lennon, who presumably had the same idea, and we were both blissfully unaware of each other's efforts until Thick As A Brick came out, and then a few weeks later, John Lennon's album used The New York Times as the cover of his album. It must have been awful for him to be beaten to it, and it was obviously too late to recall the album and change the cover, he had to go with it. Of course, it must have seemed a pretty pale imitation of our more lavish cover. I never spoke to John Lennon about it, so I don't quite know how he felt about it, but I did feel genuinely a little sorry for him. He must have felt bad about it, I'm sure.

MR: Great minds think alike?

IA: It's easy to say that but with a lot of things, you do think that if you don't manage to get this out, someone else will have come with the idea anyway. In a way, the writing of the piece "Banker Bets, Banker Wins" was a worry because I thought it could be old news or somebody might have really gone there in a really deliberate attempt to sing about the excessive grabbing by the senior executives of the major banking corporations. But it seems that no one has done it in that way. Certainly, the piece wouldn't pass the time about the repatriation of the debt, the fallen British soldiers, male and female, who came back from Afghanistan in coffins. Somebody else might well have gotten there before me, and it would have been awful to come out with that, being a month, two months, or six months later there's somebody who also touched upon the subject of that song.

I'm in reasonably good shape, artistically, in the sense that the music does seem to have that credibility of getting there first on a few topics like that, and I don't think anyone has done a piece about the corruption of the over-zealous TV evangelists. I feel good about this, and I go out there on a limb with a few things that it would be very, very difficult to have them be stand-alone songs, because they are a little too edgy, too out there. But as a part of the overall project, they sit into that bigger context of that conceptual thing that it's tied to, they seem to be quite fitting. They are slightly theatrical in their rendition, in the lyric writing and the singing. I'm really looking forward to doing that live on stage, because this is a bit of theatre, this is a bit of the thwarted thespian in me that's rather looking forward to getting out and dramatizing this on stage.

MR: One last thing I need from you, please, is advice for new artists. You've had an amazing career.

IA: My advice is to do it because you love it. There should be no sense of second best or failure attached to the idea of being an amateur musician. So, my advice to anybody is set out with the idea that you want to do it for you and you want to do it for the love of what you do, that being the latin root of the word "amateur." To be an amateur musician is a very fine pursuit, it's not something that is somehow failure or second best. Don't set out to be a rock star or a pop star to make tons of money, because the chances are it's not going to happen, you're just not going to make it. The depression, the sense of failure attached to starting off with that viewpoint, just not making it, is huge. I think you should do it because you love it, it's fun, it's something you do in your spare time. If it's something you find is turning into a career, and you're getting paid for it against all the overwhelming odds, then that's an added bonus. But do it for yourself, do it because it's fun, do it because you love it. Remember that people like me who do get paid for it spent a lot of the year actually out and about traveling around the world, jumping on and off jumbo jets, riding in limos and whatever we're supposed to do. We have days off when nothing much is happening and what we do, we pick up our guitar or our flute, we do it for fun. Half the days of my typical calendar year, I too am an amateur musician and I'm having a lot of fun, not getting paid for it.

MR: Beautiful. Thank you so much, Ian.

IA: Nice to talk to you!

Tracks:

Disc One
1. From A Pebble Thrown
2. Pebbles Instrumental
3. Might-have-beens
4. Upper Sixth Loan Shark
5. Banker Bets, Banker Wins
6. Swing It Far
7. Adrift And Dumfounded
8. Old School Song
9. Wootton Bassett Town
10. Power And Spirit
11. Give Till It Hurts
12. Cosy Corner
13. Shunt And Shuffle
14. A Change Of Horses
15. Confessional
16. Kismet In Suburbia
17. What-ifs, Maybes And Might-have-beens

Disc Two
1. DVD includes 5.1 Surround Sound of entire album
2. The making of the album
3. Interview with Ian Anderson talking about the album
4. Interview with Steven Wilson, Lyric reading, Artwork

Transcribed by Narayana Windenberger


2012-04-04-61GjS8SuKYL._SL500_AA300_.jpg

A Conversation With Wilson Phillips' Carnie & Wendy Wilson and Chynna Phillips

Mike Ragogna: Ladies! How the heck are you?

Carnie Wilson: Good, Mike.

Wendy Wilson: We are great!

MR: I want to ask you about your new album, Dedicated. One day, did any of you just kind of blurt out, "Hey, let's do an album that's more about our families than us"?

CW: (laughs) I'm laughing because it's like a no-brainer, and then it's like brain surgery. I'm telling you, it was really not easy to do these songs. For many reasons, it was not easy to do them. First, in the selection process, that was hard, because how do you choose? "Choose your 12 favorites of Beach Boys and The Mamas & The Papas." So how do you do that? That was totally hard. Wendy, why don't you tell him about recording it, that was a challenge, right?

WW: Oh, yeah. We had no idea what our parents did in the studio, which means we weren't there, but now that we've done these parts because we had to dissect them, we're so impressed with that. I mean, they probably did it in two takes, and for us, we do it until it's right. So, we're just really enamored with them, and have a new respect for the music.

MR: Learning through hands-on experience what your families went through.

WW: Oh, yeah.

MR: Not sure if that's ever been done before. And the album being titled "Dedicated" seems exactly right. It's you giving back to your families, isn't it.

CW: Yeah, this is a tribute record. It's a tribute to our parents; it's a tribute to that era. It's a celebration of these songs that are just classic songs that are never going to go away, with a few more, not obscure, but songs that are some of our favorites like "Got a Feeling" by The Mamas & The Papas and "I Can Hear Music" and "Do It Again" by the Beach Boys, just kind of out of left field a little bit, but ones that we love. But each song has its own life, and the classic palette of "Don't Worry Baby" and "God Only Knows" is one that just rips your heart out. "Good Vibrations" is something so unique and the way that we did it, in a cappella, was really challenging. So we love how it turned out. The earthiness of the tracks for "California Dreaming" and "Monday Monday," the way that my husband Rob produced the album, the way that he had these guys play these instruments is a very acoustic guitar. There are 12-string guitars that are earthy, but still reminiscent of the records.

MR: Of course, the material, considering the combined catalogs, doesn't get much better than this. When you listen back to this album, and maybe even during the recording process, there must be some memories of you listening to these songs for the first time, maybe hearing your parents play them for you?

WW: I think those memories started in utero. (laughs) Honestly, we were immersed in music our entire life, and I don't think we can remember the first time we remembered The Beach Boys. No way. We were always around them and were on tour as kids during the summertime, on stage...

MR: ...well, when you were together with your families, was there ever a sense of dynasty, like your parents would go, "Someday, kid, you're going to do this"?

CW: No, not really. I think that we have very clear, distinct memories of Uncle Carl on stage calling out to The Beach Boys kid children that were there, "OK guys, you know you're cute, it's when we sing 'Good Vibrations' and the breakdown part of 'Gotta keep those lovin' good vibrations a-happening with you,' that's your cue." So, we'd be waiting at the side of the stage to run out. All we knew was that the children of The Beach Boys, believe it or not--Brian's daughters, Carl's sons, Al's sons, and sometimes Mike's kids--were dying to be on the stage with them. I remember sharing microphones with Carl and him moving over me, and smiling at me trying to sing harmonies! So it was our destiny, and yet at the same time, who knew that it would wind up being with Chynna, when we graduated high school and just started innocently singing harmony on Wendy's carpet.

MR: You've probably told this story ad nauseam, but how did Wilson Phillips get together?

WW: Well, we were friends our entire lives, we grew up together. One day, Chynna had this idea to do a song for charity with children of the '60s singers. We talked about bringing in Moon Zappa, Owen Elliot , Ione Skye, Donovan Leitch. Ione and Owen Elliot--who was Cass Elliot's daughter--we placed some phone calls and nobody was interested except for Owen Elliot. So the four of us sat down and we started singing harmonies together, like Heart songs, Fleetwood Mac, and we started harmonizing, and it sounded really good. That was the genesis of the group and then we took it a famous record producer who said, "Wow, I see visions here. You guys are great." It didn't really work out with Owen at the time, and it just became the three of us, and we just started writing music. The beautiful thing is that Owen is actually singing Cass and Michelle's unison part on the song "Dedicated To The One I Love." Owen is singing that beautiful part. It just reminds me so much of Cass.

MR: Looking back at your career, having the song "Hold On" as such a huge record around the world, what are your thoughts about that at this point?

Chynna Phillips: Well, I'm very encouraged that we get to tag such weight, and even twenty years later, it seems to have new life. It's really super exciting. Obviously, Bridesmaids really helped put us back on the map and Carnie can tell us, it's so exciting, about the iTunes store. What happened again, Carnie?

CW: The downloads on iTunes went up 700%. It was really cool.

CP: It's exciting. It's nice to know that there's a whole new generation of listeners, you know? It's unbelievable. I think that lyric and that melody together is something that happens a couple times in a person's career if they're lucky.

MR: What is your advice to new artists?

CW: Advice for new artists? Wow, it's a different time, a different world for music, but never forget why you make music.

WW: I would say don't be afraid to be original. Go with your instincts and don't try to be a carbon copy of anyone else.

CP: Keep your publishing!

MR: Thank you so much for joining us, and all the best with your new album Dedicated, which, of course, is dedicated to the ones you love.

All: Thank you for having us!

Tracks:
1. California Dreamin'
2. Wouldn't It Be Nice
3. Dedicated to the One I Love
4. Don't Worry Baby
5. Twelve-Thirty
6. I Can Hear Music
7. Monday Monday
8. Do It Again
9. Got A Feelin'
10. Fun, Fun, Fun
11. God Only Knows
12. Good Vibrations

Transcribed by Narayana Windenberger

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