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To greet the New Year, laugh at the top of your lungs, jiggle your piggy banks or switch on the radio and break into the latest dance craze.

The EcoWaste Coalition has made a list of various ways Filipino households across the country can welcome the New Year this weekend without losing a limb from the indiscriminate use of firecrackers.

"We can avoid headline-grabbing carnage and garbage following the revelry by simply shunning pyrotechnics," said Aileen Lucero, the group's "Iwas PapuToxic" campaigner.

Kid-safe

To launch its campaign for safe New Year festivities, the group on Wednesday led a band of children in the streets of Malate, Manila, to promote "Ligtas Salubong 2012," which aims to promote a "kid-safe" celebration of the New Year.

Detroit police say they hope the U.S. Justice Department lets the city use federal grants designed to hire officers to help keep them on the job.

Police Chief Ralph Godbee says layoff notices for 100 officers will go out in about two weeks.

The layoffs are part of the city's plan to cut 1,000 jobs by April to help reduce a deficit of about $200 million in Detroit's general fund. Mayor Dave Bing says the city could run out of cash by April.

Funds remain in two federal grants for new hires. Police officials are seeking a variance to use that money to keep 75 officers on the job for up to three years.

Twenty-five positions scheduled for layoffs are expected to be made up through attrition.本文出自 Mr.J ....

A resolution in opposition to potential limitations on Pell Grant eligibility, passed Wednesday on its third reading by the Associate Students Inc. Senate.

According to ASI Treasurer Michael Quibuyen , the United States bipartisan supercommittee considered limiting Pell Grant eligibility in order to accommodate for a loss of $2.4 billion in Labor, Health and Human Services, Education, and related agencies 2012 budget.

The potential changes would have restricted the amount of semesters a student can receive Pell Grants from 18 semesters to 12 semesters.

Also, students taking less than six units a semester would have been ineligible to apply for Pell Grants.

However, the supercommittee disbanded on Nov. 21, and has yet to make any changes.

Dear Opening Credits,
I have been in the U.S. for a year, and now have a stable job making $82,000. I tried to apply for a credit card at Babies R Us and was declined. I want to start enjoying the benefits of credit card programs for consumers. Does the credit card application affect my credit score if it was declined? I tried to get my score online, but it gives me "an error occurred" message every time. Can you please advise? -- Maya

While some retailers are open to granting credit to people with little or no credit history, not all are. It's a matter of policy. The reason some retailers might be more flexible is that their cardholders are restricted to charging at only their stores, which helps their bottom line. Most of the time, however, the information listed on your credit report and the resulting credit scores are the major factors they use in determining whether you are a good credit risk or not.

It seems that Babies R Us did want to know how you performed with other lines of credit before allowing you to have an account with them. They checked your consumer credit report as well as your job history and income level to see if you qualified, but because the area on the report that details your borrowing and repaying activity was probably blank, they didn't have enough to go on to grant you credit.

Every business, whether large or small, needs to have insurance coverage to help protect their assets. Small business insurance is very important to have in any case. From umbrella insurance to vehicle insurance, the right coverage to suit your business' needs is available. However, now the question becomes: How do you find the right insurance for the best rates?

These types of business quotes are available from just about any insurance agency that offers such coverage. Quotes for insurance are just a standard part of their everyday workload. So, whenever you do ask for a small business insurance quote, no one will be unsuspecting.

Finding the Right Business Quotes for Insurance

So, how do you find small business insurance quotes? Actually, there are a variety of different ways that you can go about obtaining quotes for insurance for your business.

1. Make phone calls. Making phone calls in order to obtain insurance quotes has been the primary way to obtain the quotes for many years. It can take quite a bit of time in order to search through the hundreds of insurance agencies that may be in your local area, depending upon how many small business insurance quotes that you want to obtain. In this case, there may be many times when you will have to wait a day or more in order to receive the quote that you have asked for.

NEW YORK--(BUSINESS WIRE)-- Fitch Ratings expects to rate SLM Student Loan Trust 2012-1, student loan-backed notes as follows:

--$170,000,000 floating rate class A-1 notes 'AAAsf (EXP)'; Outlook Negative;
--$225,000,000 floating rate class A-2 notes 'AAAsf (EXP)'; Outlook Negative;
--$346,500,000 floating rate class A-3 notes 'AAAsf (EXP)'; Outlook Negative;
--$23,140,000 fixed rate class B notes 'Asf (EXP)'; Outlook Stable.

Some Have Expired, Others Still Good

Over the past few years, the federal government has offered tax credits for certain home improvements aimed at increasing a home's energy efficiency. Unfortunately, the most popular and generous tax credits, which allowed you to claim up to 30 percent of improvements such as a new roof or hot water heater, have expired. You can still get credit, though, for other significant energy-efficient improvements.

According to EnergyStar.gov, you can claim a tax credit for 30 percent of the cost of installing a geothermal heat pump, a small wind turbine or a solar energy system in your home. The credit has no upper limit and applies to both existing homes and new construction, but not to rental properties.

You also can get a credit of up to 30 percent of the cost of residential fuel cells, up to $500 per .5kW of power capacity, EnergyStar.gov says. All of these credits remain good through Dec. 31, 2016.

While the initial cost of these improvements may seem significant, they can dramatically decrease home energy bills in the long run.

Numerous private financial institutions in the market run debt consolidation advice. Moreover, the debt consolidation advice carries into effect its operations under different tags named as debt consolidation management, debt consolidation service, debt consolidation program and such. The objectives of this specific program concentrate to solve the puzzles of debts and rescue the debtors.

Now let us discuss what the outcomes of debt consolidation advice are. Debt consolidation advice renders policy that attains the mettle to disperse the multiple debts in a single stroke. It effectively subtracts the debt burden and all financial issues. Debt consolidation advice brings a great relief to debtors because it gets them obligated to a single lender instead of many. The advice also cut way to get a loan at marginal interest charges.

If you follow the objectives thoroughly and give a microanalysis, then you will come across that debt consolidation advice fuse polices that assist debtors to stabile and rebuild the deteriorated credit conditions. You can restore the financial status in future and build a good will with the lenders from the present status quo.

It is the age of technology, and now a day services provided at doorstep or can be experience from home. Just switch the online application method with the details pertaining to credit score. If you wish, you can visit personally for debt consolidation advice. Nevertheless, the online holds the power to provided immediate results to the users thus making use of your valuable time.

Debt consolidation advice can assist you to get out of the unpleasant circumstances and layer a better future.

For a moment, it looked like it might all fall apart. Google and Mozilla, who together probably did more than anyone to break Microsoft's hegemonic hold on the internet, had been partners for years, with Google occupying a premium place as the default search engine in Firefox.

After reportedly letting their longstanding revenue-sharing agreement lapse at the end of November , the two companies announced a new three-year agreement on Tuesday, less than a day before the release of the latest version of Mozilla's browser . Terms of the deal were confidential and undisclosed.

Failing to come to an agreement would cost Google money - quite possibly a lot of money, as Mozilla's Firefox still edges out Google's Chrome in most measurements of browser usage - but probably wouldn't have changed the overall trajectory of the company much. Mozilla, on the other hand, stood to lose its biggest source of funding ( as much as 84% ) and potentially frustrate already-fickle browser users for whom "search" means "Google."

Firefox's most likely backup plan - extending Most Favored Search Engine status to Bing instead of Google - would have been unthinkable just five years ago, with Mozilla positioning itself as the anti-Microsoft and Firefox as the anti-Internet Explorer.

With Bing waiting in the wings, just how close did Mozilla and Google come to the edge? Wikipedia founder Jimmy Wales, among others, didn't think a split was likely.

When you're ready to sell your business visit the linked site;
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1. Free business ad with promotion
2. Readers win local promotions
3. Aggressive marketing for Sonoma County businesses for sale
4. Fun dinner party with the Mayor, the wine maker and the writer!