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Global Leisure Boat Market Report: 2011 Edition

Global Leisure Boat Market

Leisure boats, also known as recreational boats or pleasure crafts refer to any boat, designed primarily for the benefit and recreation of the owner, with maximum length of up to 24 meters and not used for commercial activities. With the increasing wealth, coupled with the rising intention of spending on the leisure items, in order to have a break from the normal busy schedules, the demand of the leisure boats had undergone significant increase till 2007. Along with this, certain other factors contributing to this growth were the growth of professionals, rise in HNWI population and HNWI wealth, increasing families with working couple, and people strongly in favor of leisure activities.

After 2007, as the overall global economy suffered due to the negative impacts of the US sub-prime crisis, the consumer confidence dwindled, the income of the people dropped, and the unemployment increased. All these factors forced people to cut down their spending on discretionary items, including all the leisure activities, which in turn affected the leisure boat market.

Broadly, the leisure boats are classified in two categories, sail boats, which are powered by sails; and the motorboats, powered by an engine. Motor boats account for more than three-fourth of the market value of leisure boats worldwide. The US and Europe are the major leisure boat markets worldwide, and together hold a lions share in the global leisure boat market.

The major challenges faced by the industry include the negative impacts of the leisure boats on the environment, impacts of the adverse weather conditions, like floods, drought, unreasonably hot or cold weather, and stiff competition from all other leisure activities. Apart from these, one major challenge for the leisure boat industry is to reduce the number of casualties or accidents occurring from the use of recreational boats.

The present report analyzes the leisure boat market worldwide. The report also analyzes some of the major regional leisure boat markets, including the US, Italy, the UK, Germany and Spain. The report entitled Global Leisure Boat Market Report: 2011 Edition delves into the factors impacting the industry as a whole, including the major growth drivers and key issues impacting the industry. The three major companies operating in the global leisure boats industry include: Beneteau SA, Brunswick Corporation, and Marine Products Corporation. These three players are being profiled in the report.

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Table of Content

1. Leisure Boats
1.1 Introduction
1.2 Value Chain Analysis

2. Global Leisure Boat Market Analysis
2.1 Ships, Boats and Floating Structures
Imports & Exports
Top Exporting Countries
Top Importing Countries
2.2 Leisure Boats or Pleasure Crafts Market
Market Value
Market Segments
Breakdown by Region

3. Leisure Boats ? Country Analysis
3.1 The United States
Retail Expenditure
Participation Rates
Recreational Boats Statistics
3.2 Italy
Market Value
Production Statistics
Product Segments
Exports & Imports
3.3 The United Kingdom
Market Value
Market Segments
Participation Rates
3.4 Germany
Overview
Exports by Value & Volume
3.5 Spain
Market Segments
Exports & Imports
Top Producers

4. Growth Drivers
4.1 Increasing HNWI Population
4.2 Improving Worldwide Economic Conditions
4.3 Increasing Cruise tourism
4.4 Employment Growth

5. Key Issues and Challenges
5.1 Negative Impacts on the Environment
5.2 Impact of Adverse Weather Conditions
5.3 Stiff Competition from Other Source of Leisure Activities
5.4 Level of Casualties in Recreational Boating Industry

6. Company Profiles
6.1 Beneteau SA

List of Table:
Top 15 Exporting Countries of Ships, Boats and Floating Structures (2009)
Top 15 Importing Countries of Ships, Boats and Floating Structures (2009)
Recreational Boats in Use in the US by Type (2001-2010E)
Pleasure Boating Production Statistics in Italy (2005-2010)
Composition of Pleasure Boat Production by Type of Boats (2010)
Participation Rate in the UK by Type of Boating Activity (2009-2010)
Top 10 Spanish Leisure Boat Producers (2010)
Percentage Depreciation of Leisure Boats Prices with Years of Use by Type
Marine Product Corporation product Line

List of Charts:
Leisure Boats Industry Value Chain
Worldwide Imports/Exports of Ships, Boats and Floating Structures (2002-2009)
Global Leisure Boats Market (2007-2010)
Global Leisure Boats Market Value Share by Types (2010)
Worldwide Motorboat Market Geographical Breakdown (2009)
Worldwide Sailing Boat Market Geographical Breakdown (2009)
US Recreational Marine Retail Expenditures & New Boats Sold (2001-2010)
Adult Leisure Boat Participation in the US (2001-2010)
Number of Recreational Boats Used in the US (2001-2010E)
Italian Pleasure Boat Industry Revenue (2005-2010)
Pleasure Boats Exports from Italy Share by Destination (2010)
Pleasure Boats Imports to Italy ? Regional Share by Source (2010)
UK Leisure, Super-yacht & Small Commercial Marine Revenue (FY06-FY10)
UK Leisure, Super-yacht & Small Commercial Marine Revenue by Sector (2009-10)
Participation Rate for any Boating Activity in the UK (2002-2010)
Germany Water Sports Industry Revenue (2008-2009)
Exports of Leisure Boats from Germany by Value and Volume (2005-2008)
Registrations of Privately Owned Leisure Boats in Spain Share by Type (2009)
Leisure Boats Exported from Spain by Value & Volume by Destinations (2009)
Value of Imported Leisure Boats to Spain (2008-2009)
HNWI Population Worldwide (2002-2010)
Worldwide GDP (2005-2012E)
Global Cruise Passengers Carried (2003-2010)
Global Cruise Market-Revenue (2008-2010)
Global Employment (2001-2010)
Deaths, Injuries, and Accidents in the US Recreational Boating (2002-2010)
US Recreational Boating Fatality Rates (2002-2010)
Beneteau SA Revenue (FY05-FY10)
Beneteau Revenue Share by Segments (FY10)
Brunswick Corporation Revenue (2006-2010)
Brunswick Corporation Revenue Share by Segments (2010)
Brunswick Revenue Share by Region (2010)
Marine Product Corporation Revenue (2006-2010)
Global Leisure Boat Market (2010-2015E)
Leisure Boat Market Revenue Value Share by Type (2015E)

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Source: http://www.latestmarketreports.com/global-leisure-boat-market-report-2011-edition/

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Legal Expertise from Real Estate Attorney in Chicago

When you choose the real estate attorney chicago residents recommend, you know he is going to be from one of the top law firms in the city. He is well known and understands the law because of the many cases he has worked on before your case. He has gained expertise and has made certain areas of the law his focus so that he can better serve the public. He has worked for many people who are completely satisfied in the way he handled their cases.

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Oscars 2012: Best And Worst Hosts

From Bob Hope to Chris Rock, MTV News looks back on the most memorable Academy Awards emcees.
By Kevin P. Sullivan

Anne Hathaway and James Franco at the 2011 Academy Awards
Photo: Getty Images

Every year, almost as important as the Best Picture winner is the host of the Academy Awards. Both grab headlines the next day, and both are sure to endure their fair share of criticism.

With almost every host having to face the black-and-white judgments of "good host or bad host," who ranks among the best and the worst? Here's our take on the Oscar hosts worth awarding and the one's that should have been snubbed.

Best
Billy Crystal
If someone hosts the show nine times, there's probably a good reason. Crystal carved out a niche for himself as the host of the big show starting in 1990 by keeping it light and throwing in a good song-and-dance routine for good measure.

Johnny Carson
The king of late night hosted the Academy Awards five times, the third most of any host. His overwhelming popularity from "The Tonight Show" carried over into his stints as host and made him one of the most consistently successful hosts. His familiarity with celebrities and experience with off-the-cuff comedy led to one of the Oscar's most memorable lines: "I see a lot of news faces, especially on the old faces."

Bob Hope
If repeat jobs as host are a measure of success, Bob Hope takes the top prize after hosting the ceremony a record 19 times. Famously calling attention to his lack of nominations, Hope's self-deprecating humor made him an Oscar legend and a rightful spot as the show's most frequent host.

Steve Martin and Alec Baldwin
As the first paired hosts since Chevy Chase, Goldie Hawn and Paul Hogan in 1987, Martin and Baldwin played off each other well enough to earn them the title of "best in recent years." Though Martin had solo hosting duties in 2001 and 2003, it wasn't until he joined forces with Baldwin that he earned his highest praise.

Jon Stewart
The host of "The Daily Show" faced a good deal of criticism after his first stint as host in 2006. He didn't shy away from controversy, calling out the liberal politics of Hollywood and Scientology, but a positive audience response brought Stewart back for a second go two years later.

Worst
David Letterman
The late-night host's name often leads the pack when recalling the worst hosts in the history of the Oscars. His "Oprah, Uma" gag and the negative reaction it got precedes most talk of how Letterman actually did. Letterman never returned to host after his one appearance in 1995.

Anne Hathaway and James Franco
The most notorious hosts in recent years, Hathaway and Franco were supposed to welcome a younger audience and make the Oscars cool again. What resulted was an odd and scattered show that was neither very funny nor cool. Many complained the Franco had phoned it in, while others found Hathaway cloying.

Chris Rock
Rock's greatest offense as host of the Academy Awards may have just been doing his normal routine, but the audience (and Sean Penn, in particular) didn't take too kindly to the comedian poking fun at some of the faces in the crowd.

Chevy Chase
Chase hosted the show a total a two times, but only once by himself. The year after his solo gig, no one hosted, which is all you need to know about that.

Jerry Lewis
It may be hard to believe with today's bloated ceremony, but in 1959, the ceremony wrapped up 20 minutes before it was scheduled to. To kill the leftover time, Lewis vamped on stage and forced some of the night's winners to continue singing and dancing on stage. NBC eventually ended the show early, but the dead, ad-libbed airtime remains an infamous part of the Oscar legacy.

Who else should make the lists of best and worst Oscar hosts? Leave your comment below!

The MTV Movies team has the 2012 Oscars covered! Stick with us for everything you need to know leading up to the awards show, and on Sunday, February 26, tune into MTV.com at 5 p.m. ET for our two-and-a-half-hour red-carpet live stream and updates on the night's big winners. To join the live conversation, tweet @MTVNews with the hashtag #Oscars.

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Source: http://www.mtv.com/news/articles/1679751/oscars-best-worst-hosts.jhtml

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Google Street View now sending snapshots from Russia, with love

We've lived vicariously through Google Maps a few times in the past, including an excursion down the Amazon River. Today, those plans for a trip to Russia can get a lot more detailed as Street View is now virtually pacing the streets of Moscow and St. Petersburg. Points of interest that you'll be able to take a peek at include Red Square, Moscow Kremlin, Peterhof and both Tsaritsino and Kuskovo parks. Hit the source links below to get that sightseeing adventure started -- sans backpack, of course.

Google Street View now sending snapshots from Russia, with love originally appeared on Engadget on Wed, 22 Feb 2012 21:42:00 EDT. Please see our terms for use of feeds.

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Source: http://www.engadget.com/2012/02/22/google-street-view-russia/

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Norwegians seek A-ha! moment in North Korean music (AP)

OSLO, Norway ? An arts festival in northern Norway is offering a rare glimpse into North Korean culture this weekend, including performances by musicians whose accordion version of A-ha's megahit "Take on Me" has been viewed more than 1 million times on YouTube.

Organizers said the five North Korean accordion players provided the soundtrack as 250 Norwegian border guards formed a human canvas by holding up colored cards in shifting patterns ? a tradition in the reclusive communist country.

The performance at the "Barents Spektakel" festival in Kirkenes, on Norway's Arctic border with Russia, was choreographed by two North Korean directors.

Artist Morten Traavik, who recorded the YouTube clip and invited the musicians to Norway, says he wants to challenge "negative perceptions" of North Koreans.

Source: http://us.rd.yahoo.com/dailynews/rss/music/*http%3A//news.yahoo.com/s/ap/20120211/ap_en_mu/eu_norway_north_korea

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Where To Buy Louisiana-Style King Cake

While Sucre may not sell the most traditional looking king cakes in Louisiana, they're awfully beautiful -- and were voted 2011 Best King Cake in New Orleans by the Washington Post. Sucre's signature buttery danish pastry is sweetened by cinnamon and raw cane sugar then filled with a creole cream cheese filling.

Sucr? King Cake, serves 8-10 people, $20.00 (before shipping)

Source: http://www.huffingtonpost.com/2012/02/10/louisiana-style-king-cake_n_1266271.html

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Dyslexia Rebranded | Simbeck Hampson | Business Innovation

[unable to retrieve full-text content]February 10th, 2012Google Plus4 comments. This post was inspired by http://lucyhampson.com, and this recent tweet? RT @dan_roam: More on dyslexia "American Astronomical Society suggests that dyslexia may enhance ability to make ...

Source: http://simbeckhampson.com/2012/02/10/dyslexia-rebranded-2/

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Horse Coat Supplement And Processes Taken For Your Natural ...

New Health And Fitness.Org - Health Information You Can Use

A horse coat supplement can help your horse become strong and healthy. Detoxing can make you strong and healthy. Setting up a cleansing or detox program is not an easy task. You should undergo numerous procedures. It includes health history analysis, physical examinations, hormone balance tests, mineral level tests, nutritional analysis and other related distinct tests to identify your overall health status. These are helpful in identifying the right natural procedure that you must take to clear your body. Take note, studying your present health status, disease, and symptoms due to your way of life, family or natural patterns, and diets might help in making a body detox plan which is ideal for you.

Proper Diet ? Those who are without energy and nutrients require a diet that is high in protein and nutrients for improving their health. Mineral deficiencies, fatigue, and low functions of organs must have a much supportive diet. However, during this circumstance, short cleaning of the body for three days might help in eliminating old debris. It also conditions your body for developing healthier blocks. If you feel congested with travel, stresses, and other foods, drink juices or eat lightly for a few days.

It could show an enormous difference. You could also eat lower protein foods, high-rich-carbohydrate foods, and vegetarian foods for two years. Mild detox can include vegetable meals which add proteins within your body. Fresh fish with plenty of vegetables can also stimulate you. Using herbal plants ? You will find various body organs which are prone to the high development of toxins. One of these is the colon. Remember that large intestines can easily allow for much toxicity which can cause its sluggish functioning. So, detox programs are built to fix this problem. Fiber supplements cleansing diet are incorporated to clean and toning colons.

It contains natural laxatives just like psyllium seed husk used alone or mixed with agents such as betonite clay, acidophilus culture, and Aloe Vera powder. Enemas making use of herbs, watered down coffee, or water can be used for cleansing your liver, another important organ of your body. Physical exercise ? Exercise stimulates sweating thus it eliminates toxic wastes via your skin. It enhances general metabolism and aids in your current detoxification. Aerobic fitness exercise done on a regular basis can sustain your body to remain non-toxic because you are averted from bad habits. However, exercising can also increase toxic productions within your body so it must always be accompanied with antioxidants as well as other associated detox principles.

A horse coat supplement is wonderful for your horse. For your own health, you could do the following. Regular bathing ? It is very crucial in cleaning the skin from gathered toxins. Sweats and saunas are most often utilized in purifying your body via more improved skin elimination. Dry scrubbing your skin using the right skin brush is often suggested before bathing. Massage therapy ? It is very useful in supporting detox programs. It induces body functions and elimination promoting an even more relaxed feeling clearing you from worries, tensions, and mental stresses.

Horse Coat Supplement professionals have numerous advice and expert opinions about how you take good care of your beloved equines when using the supreme horse vitamins in their day-to-day diet regime.

Source: http://newhealthandfitness.org/2012/02/10/horse-coat-supplement-and-processes-taken-for-your-natural-body-cleansing/

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Pool Game Rules ? Articles Manifesto ? Posterous | Funny Cartoons ...

Posted by metastanbula on February 7, 2012

There was a really specific game which was really famous as being a medium of entertainment to the individuals back in 1800?s. Back again then only selected few are getting allowed to play the pool games, individuals for example the Kings, Gentlemen and Commoners.

As the pool of games it really is now becoming named, but in before days it had been getting known as in plenty of other names that were altered also right after the many years. As it is played by a handful of personalities again then, it is not in the existing time; everybody and everyone can now avail from the sport.

The outdoor recreation became an indoor game, from where it was adopted from. The pool games had been ultimately introduced in as the time passes on along with the players seeing the interruptions the sport was getting caused through the hazards of nature.

You are able to perform the game using a utilization of cue stick that is undoubtedly various through the dimensions of it at present; than that of the earlier stick utilised to shove the ball once the game was still played outdoors. In pool games the cue ball just isn?t becoming stroke into the air but instead it?s getting shoved as if to just make it slide; but with energy naturally, towards the cue ball to pocket the numbered ball.

Maybe towards the eyes of individuals who does not have any history concept about the pool games table, the green cloth do signify the grass wherein the sport was utilised to become played again when it had been still an outside sport. The grass or the cloth assists in controlling or keeping the ball in part, or whenever you shove the cue ball with the stick it will be prevented from spiraling or glide endlessly across the pool table. You can find a lot of materials that will be used to produce an excellent and dependable cue stick to, the gamers specifically the ones which are typically competing opted on purchasing or personalize their cue stick for that acquainted handling.

There are significant divisions that the pool games are getting classified into. But probably the most renowned of these divisions is the pool billiards, you?ll find 6 pockets used because the objectives; and also the famous 8-ball, 9-ball billiard games belong.

The coming forward in the pool games came having a vengeance, in the past that nobody critical pay any interest to this certain recreation. But with the persistence with the pool games fanatics, the dream of turning out to be a world renowned activity became a reality; even those who lived inside the far corners in the earth have heard of its fame.

Since the pool games are actually an official sport entry in the Olympics, there had been rules which are usually changeable as the game was in frequent attendance to all of competing groups. In case you are an professional of this recreation you may recognize anytime you heard the orientations becoming provided ahead of the start off in the game.

It is possible to discover a lot of places to perform the billiards. Since an increasing number of are finding intrigued using the game particularly the street frequenting people.

Innovations are actually applied in the pool games. You are able to now perform it within your own homes without having the cumbersome pool table because the main equipment to be utilised. It really is now within the web, certainly you?ll be able to perform the sport on the internet; you?ll be able to play with it as long as you desire to with no even stepping out of one?s personal door.

In case you need to have far more details concerning the background of pool games online, really feel cost-free to read a lot more pool party games just by clicking the links

Source: http://articlesmanifesto.com/recreation-sports/pool-game-rules

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No Child Left Behind loses bite as Obama issues waivers (The Christian Science Monitor)

For 10 states, the chance to get No Child Left Behind off their backs has finally arrived, with President Obama announcing long-awaited waivers from some aspects of the federal education law Thursday.

The George W. Bush-era bipartisan law has widely been credited with bringing to light achievement gaps in which racial minority, low-income, disabled, and non-native English speaking students have been the most left behind. But it?s also been widely criticized for a one-size-fits all approach to accountability, with many states saying it?s an albatross.

?With the waivers, Obama has changed the landscape of accountability under No Child Left behind,? says Diane Stark Rentner, interim director of the Center on Education Policy in Washington.

RECOMMENDED: Six takeaways from the persistent achievement gap

The states that have so far received waivers through the US Department of Education are Colorado, Florida, Georgia, Indiana, Kentucky, Massachusetts, Minnesota, New Jersey, Oklahoma, and Tennessee.

They will now have flexibility to target resources on the lowest-performing schools. They will still be expected to test and report achievement data, but will no longer have to require all schools to improve at a certain rate to reach 100 percent proficiency in reading and math by 2014, as NCLB required.

That deadline ?was a wonderful goal but really impossible to attain with an education system that is structured the way it is,? says Cynthia Brown, vice president for education policy at the Center for American Progress in Washington. ?We?ve had so much reform momentum throughout the country over the last five or six years that it?s really important to adapt the law to ? the willingness of states and districts to take on new ways of doing things.?

New Mexico has also applied for a waiver and is in discussions with the US Department of Education, and 28 other states have said they intend to apply for a second round of waivers later this month.

In exchange for flexibility, the states have to set standards to prepare students for college and careers and create plans to improve the effectiveness of teachers and principals.

In addition, their accountability systems must reward schools with high performance or significant gains in closing achievement gaps. By contrast, NCLB?s requirements were largely seen as punitive.

The waivers couldn?t have happened without the backdrop of the Common Core State Standards, which 45 states have voluntarily adopted, Ms. Rentner says. Partly through incentives from the federal government, such as the Education Department's Race to the Top grants, states have been agreeing to these more-rigorous standards designed to keep students globally competitive in the 21st century. This will make it easier to compare student performance across states, Rentner says.

?If we?re serious about helping our children reach their potential, the best ideas aren?t going to come from Washington alone,? Obama is expected to say Thursday, according to a White House press release. ?Our job is to harness those ideas, and to hold states and schools accountable for making them work.?

Some concerns have been raised ? particularly by civil rights groups -- about how the waivers will play out in practice, and whether the states will truly be held accountable for the performance of some of the most disadvantaged students.

Another critique, from conservative observers and some Republican lawmakers, is that the Obama administration is overstepping its bounds by starting to dismantle NCLB through the waiver process.

?NCLB, for all its flaws, was crafted by the US Congress ? [but] these waivers impose a a raft of new federal requirements that were never endorsed by the legislative branch,? says Frederick Hess, director of education policy studies at the American Enterprise Institute (AEI) in Washington. ?Once this administration opens this door, it?s hard to imagine future administrations not building on this precedent.?

The chairman of the House Education and Workforce Committee, Rep. John Kline (R) of Minnesota, said Thursday morning at an AEI event, ?This notion that Congress is sort of an impediment to be bypassed, I find very, very troubling in many, many ways.?

Congressman Kline also introduced on Thursday two Republican-written education bills designed to give more flexibility to states and school districts. Some Democratic lawmakers, including Rep. George Miller of California, the top Democrat on the education committee, have said Kline?s approach is a troubling departure from bipartisan attempts in recent years to rewrite the education law.

Many observers say that this year it?s unlikely Congress will be able to agree on a such a rewrite ? already 5 years overdue.

? Associated Press material was used in this report.

RECOMMENDED: Six takeaways from the persistent achievement gap

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Source: http://us.rd.yahoo.com/dailynews/rss/parenting/*http%3A//news.yahoo.com/s/csm/20120209/ts_csm/464368

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What Is Income-Based Repayment of Student Loans?

The crazy thing about student loans is that? you have to pay them back. Who knew? Of course, we all know that the loans have to be paid off eventually. But when you?re in school, the prospect of paying them off sometimes feels abstract and distant. You know that someday you?ll be making those monthly payments, but in the meantime you?re focused on other things (coursework, internships, etc.) And then suddenly you graduate and someday becomes today.

Over the last few years, the global financial crisis and recession have forced many graduates to start making their student loan payments while looking for jobs or doing unpaid internships after getting their degrees. Even for those who have jobs, the total amount of your monthly loan payments can sometimes feel insurmountable. Fortunately, if you are finding it difficult to make your monthly loan payment while still having enough income leftover to cover other essential expenses, the Income-Based Repayment (IBR) program may be a life saver.

Traditionally, there hasn?t been much leeway for student loan borrowers, but IBR can make a significant difference in your financial situation because it caps the amount you have to pay each month, based on your income. There are certain thresholds (see below) which determine the percentage of your income you need to pay. In most cases, it is 15% or less. That means there?s a light at the end of the tunnel for those who are eligible!

How does it work?

The purpose of the income-based repayment program is to give relief to people who are making a good faith effort to pay back their loans but who are struggling due to financial circumstances. To qualify for the program, a borrower must prove ?partial financial hardship.? If the minimum payments on your federal loans are more than 15% of your income each month that is considered ?partial financial hardship.?

When you are accepted into the IBR plan, your payments will be based on your family size and your income. For example, if you are a single individual and make an income of $40,000 per year, your payments would be approximately 8.7% of your monthly income. If you have a family of four and a total family income of $60,000, your payments would be 6.4% of monthly income. (See the chart on this page for a more detailed explanation)

When you enroll in IBR, your repayment plan will be extended up to 25 years. After 25 years of making payments under the IBR plan, any remaining debt will be forgiven. That means, as long as you make the reduced payments and continue to do so for 25 years, you don?t need to stress out about defaulting on your loan!

How can I apply for an IBR plan?

So how do you sign up? Well, there are specific requirements for being eligible for IBR. The plan is available for anyone who has either direct (FDSL) or gauranteed (FFEL) student loans. To be considered, these loans must not be in default.

To get an estimate of whether you are eligible (and how the plan might affect you), you should try this calculator:

IBR Calculator

If you do qualify, then you?ll need to submit an application to your loan provider. The procedure varies depending on which lender you have. Here is information on how to apply to some of the most common:

If you don?t know who your lender is, you can use the National Student Loan Data System database to find out.

What are the advantages?

There are certainly many pros to entering this program. Borrowers can pay as they earn and not feel as badly a strain on their finances as they would have on a standard repayment plan. The government will also pay the interest on any subsidized Stafford loans for the first 3 years, if the borrower?s monthly payment in the program does not cover interest. Better still: President Obama has introduced a new bill set to go into effect in 2014 that would decrease IBR monthly payments from 15% of income, to 10%, which would further reduce your monthly payments. (And, as with any federal loans, the 10-year public service forgiveness also applies!)

What are the disadvantages?

There are a few things that could be seen as disadvantages, as well. Borrowers are required to annually submit documentation proving income and family size in order to set the proper payment amount. This is crucial to remaining in the program and, if the documentation is not provided, the monthly amount increases to what it would have been on a standard 10-year repayment plan. In the program, borrowers may also wind up paying more interest in the long run due to smaller payments. Lastly, you just might not qualify?

?but if that?s the case, don?t lose hope yet! In addition to IBR, there is also the income-contingent repayment program (ICR). Partial hardship is not required for ICR, so those who may not qualify for IBR still have a shot. While FinAid.org states that, ?calculating the cost of a loan in the ICR program can be somewhat complex, in part due to the need to make assumptions about future income and inflation increases? the site does provide a comprehensive?calculator to help you determine monthly payments.

The Bottom Line

According to?CBS News, only 2.25% of federal student loan borrowers are enrolled in the IBR program, though 10% are qualified. If you are one of those who has not yet enrolled, you should definitely consider it. However, it is important to also consider the disadvantages ? specifically, the prospect of paying more interest over the life of the loan. If you have the ability to make monthly payments on a standard 10-year plan, you?d be better off continuing with that plan. (Heck, you could even be earning interest on that money later, instead of spending money on interest) But if you need the extra breathing room that IBR will afford you, there?s no reason you shouldn?t apply now!

And if you need to track all your debt easily and conveniently in one place, click below to give ReadyForZero a try:

? Try ReadyForZero

Image by gadgetdude

Source: http://blog.readyforzero.com/what-is-income-based-repayment/

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Investing in Real Estate Vehicle for Wealth Building | Real estate

Real estate is one of the all-time vehicles of building ataraxia. Historicemphasis real estate has outperformed other asset laboratoryes like stocks or bonds, and is reasonably predictaccomplished-qualwhenied and less volatile. There were times when real estate went down and there were times where it went up but on an affirmage it has given a sizeaccomplished-qualwhenied admirationized return Development report, the price of an affirmage single-family home has gone up from $22,300 in1968 to $206,100 in 2003, an increase of 824% in a span of 25 years

There are many ways to invest into real estate. With 100 percent financing options, low interest rates and good credit it?s fairly easy to get started. Numerous articles and books have been commandten approximate investing in real estate and success stories are a plenty.

Here, in a nutshell, are some of the most important reasons for investing in real estate.

Appreciation. Tradmittanceionemphasis real estate has been viewed as a ?buy and hold? type investment vehicle. Real estate has recovered from cyclical atrophys and regional corrections and it may continue to do so in future, primarily because of tight supply and demand. Land is finite and housing is a necessity. According to the U.S. Census Bureau: the nation?s population is projected to increase to 392 million by 2050 ? more than a 50 percent increase from the 1990 population size. These factors presents a bright outlook for real estate investors. The fact that land is finite, and population is groaddition will cause most real property to rebound even when there is a market atrophy.

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Properties can be bought and held for appreciation provided one has the staying power. To avert occasional atrophys, a smart investor should buy properties below market value by using creative acquisition techniques and realize a gain by quickly turning around and selling for a reasonaccomplished-qualwhenied profit. Of course, properties bought below market value can be held for cash flow and long-term appreciation as accomplished.

Leverage. Leverage in real estate ways manalogousg money on borrowed money. The power of real estate resides in using ?other people?s money.? One can buy a property with zero down (100 financing) and make a profit upon sale as when it had been paid off entirely. Let?s assume you decide to buy a duplex annal $500,000 with 100 financing. Income properties have been appreciating at an affirmage of 7 percent per year. With a 0 percent down your property at the end of the first year is annal $535,000. At the end of the second year, it?s annal $572,450. By using leverage or borrowed money to purchase a larger income property, you have increased your profit by $72,450 in just two years. A 14.49 percent return on a borrowed zillion of $500,000. This is the power of leverage. Leverage coupled with appreciation can yield high profits.

Tax Benefits. There are numerous tax benefits of owning real estate, gains from sale of primary residence up to ($250,000 for single, $500,000 for married filing jointly) is tax-autonomous. IRS affords tanalogousg deductions for depreciating real estate assets. Legitimate expenses like interest, depreciation, insurance premiums, management fees, legal fees, reparrogance etc are all tax deductible. You only pay taxes on net profits.

Real estate investing is an extremely reareaing process, but it needs perseverance and kIn real timeledge to achieve success. There are several proven techniques to make quick money but the key to success resides in buying properties below market value and selling them at the market or higher market price. Great deals can be found in foreclosures, fixer uppers, distressed properties and auctions etc.

Happy Investing!

Srini Saripalli is an entrepreneur, well-meant marketing expert and real estate investor. He is also a business development consultant to Fortune 500 companies. He is yuckyd in San Jose, Calwhen. Srini can be reyearnd at http://www.srinisaripalli.com

Source: http://1688.servebbs.com/investing-in-real-estate-vehicle-for-wealth-building/

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Romney intensifies fight for social conservatives

CENTENNIAL, Colo. (AP) ? Presidential contender Mitt Romney is fighting to win over social conservatives in Tuesday's Republican caucuses.

Romney, who previously supported abortion rights, has struggled to convince some cultural conservatives that he's conservative enough. And rival Rick Santorum hopes to use those voters to score strong finishes in Colorado and Minnesota on Tuesday.

In recent days, Romney has emphasized his social conservative credentials at campaign events and in interviews.

In a radio interview, he said he supported the Susan G. Komen Foundation's decision to strip funding from Planned Parenthood. Komen later reversed that decision.

In a rally near Denver, he said the Obama administration is forcing religious institutions to distribute "abortive pills."

Romney will spend Tuesday meeting with voters in Colorado, before turning to Georgia and Maine.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/89ae8247abe8493fae24405546e9a1aa/Article_2012-02-07-Romney/id-45cebfe4c7f94df3bb6feeb7880165e3

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Sony Tablet P's product manager shows off prototypes, tells the clamshell story

Still baffled by the Tablet P's existence? Well, Sony's here to help! Earlier today, our brethren over at Engadget Chinese met up with Takeshi Goto, the head honcho of VAIO and mobile product producing, to learn how the Android clamshell went from several mockups (one of which was made out of a $4 wallet) right after the PDA era to the final product today. Between those two pivotal points on the timeline, Sony explored screen sizes between five to seven inches before settling on 5.5 due to hardware limitation; though the entire device ended up being about the same size as the 7-inch mockup. Later on, the manufacturer hooked up a couple of VAIO UXs to power a Nintendo DS-like dual-screen prototype -- that was when Windows and x86 were under consideration, before Sony eventually went with Android on ARM. Intrigued? Hit the link below to take a look at the aforementioned goodies.

Sony Tablet P's product manager shows off prototypes, tells the clamshell story originally appeared on Engadget on Tue, 07 Feb 2012 15:20:00 EDT. Please see our terms for use of feeds.

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Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/aBVmdGcw9fk/

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Online Online game Rentals ? What you need To Consider? Naples ...

Online games has provided a more substantial platform in neuro-scientific video games much like the invention connected with several gaming boards like Sony Execute Station 3 & X-Box 360 there are various others who are selling such gadgets. In these games you has to defeat the artificially clever enemies. These games may differ from easy word based to involved graphics and online worlds. We just need first ourselves your computer and an easy flip open access to the society of internet. And, it?s never too early to speak to your children about odder danger even on my pc math games.

Online games have been becoming a lot more advanced over recent years. Playing the matches really gives 1 a rare possibility that refreshment and a means of escapism because of other issues. I am convinced the American version belonging to the game will enjoy the prizes in a currency. With so many selections, it can take quite a while to discover the top sites for getting referrals online. There are as well some very fascinating monster truck games provided on line.

Furthermore, the orthodox blemishes as to the harmful and also evil nature these games are falling steadily and incessantly as being the studies reveal the better sides for the corporate world. The first thing to see is there presently exists two main different types of science games- interactive in addition to non-interactive games. Play Online No cost Games for instance can be extremely challenging and fun as well and can enable children pass time frame away without facing boredom in any respect. These online games not simply entertain and educate but will also help one to always be tactful and perceptive. Backgammon rules was in the past spread around from the old fashioned virus-like marketing ? by the grapevine free games.

It?s The It, Man (monetary blogs). Jump into free internet games with your family and friends and get interconnected by posting observations on games and getting together with other people all around the globe. Those games are categorized contingent on type on phase, arcade, sports, shooting, puzzle and other games. For marketers, these numbers mean unique possibility expose all sorts of products to scores of potential customers.

Certain trends handle steady across virtually all regions: For instance, driven by greater penetration of broadband connection, online gaming can be surging. Though computer games happen to be around as long as there have been succeed, chances are, online gaming is surely an increasing pastime as well as being popular with the convergence of personal worlds, games and social traffic spiced up along with Rich Internet Apps. In the activity sector, not only has got it helped marketing marketing, it has furthermore helped the game playing industry, or specifically pr announcements gaming industry. Free online video games are designed as that it. The game play ought to be exciting enough that affiliates don?t leave to see other games. Free games really do not usually allow for players of saving their progress, but they do occasionally enable players to easily interact collectively zombie games.

Men, women, boys and females can all engage in educational games online and sometimes share in these kinds of together. There are innumerable websites which are integrated and created to indulge gamers as well as non-gamers. You already recognise that I am seriously biased towards pvp(participant versus player), so I will continue to spotlight that. It does not matter the type of game you are preparing to play, reading the instruction part is critical to understand your own gaming tasks. A lot of games you need to actually ?pay in order to play? online. Therefore, internet gaming is usually proving endless possibilities to your players.

Source: http://www.g4naples.org/online-online-game-rentals-what-you-need-to-consider/

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Two-Fold Pest Control: A Clean Sweep against Pests

Simple, really: spot a roach, get anything solid, and whack it to kingdom come. But even if you take out one little pest, chances are, it has friends scattered across the entire house. As one roll of newspaper or a slipper will not be enough to thwart a full-scale pest invasion, you will need some extra firepower. Whittle down the pests' numbers with the help of science.

Pests in the home are just as problematic as pests in vast crop fields; eating through people's livelihood. Without immediate pest control, their numbers will swell at an exponential rate, causing all sorts of damage around the house. Pest control products in the market are common choices employed by households everywhere, yet the pests will keep on coming back. As far as the saying "prevention is better than cure" goes, the best way for pest control is pest prevention.

Pest control is rendered as a two-fold procedure: reactive and preventive. Reactive pest control is, simply, search and destroy; elimination of pest threats using commercial pest control products. After clearing the area, preventive pest control begins where steps are necessarily taken to stop pests from infesting the home a second time. Preventive measures include putting up a special barrier or treating the structure with repellants.

Proper pest control Ogden Utah residents rely on cannot be implemented with only either procedure, as they work as a pair. You may clear the home off of pests, but these tenacious critters may come back for more. On the other hand, preventive measures will not be as effective if there are pests still present inside the house. Somewhat similar to Newton's law of action and reaction, there can be no prevention if one does not take action.

So how can you, the homeowner, take action against a mass infestation plaguing your home? If your pest problem persists even with the use of bug sprays and mouse traps, pick up the phone and call a pest control company Utah has to offer. A specialist can do both kinds of pest control more thoroughly than commercial pest control products alone. In addition, they possess pest control solutions that are only available to pest control firms.

Rather than pick them off one pest at a time, take them out all at once with pest control Provo Utah residents count on. A clean sweep is an efficient way of taking care of your pest problem at home before they even cause problems. This way, you do not have to soil your morning paper or slipper in killing roaches and pests.

If you have questions, please visit us at www.PreventivePestControl.com for complete details and answers.

Keywords: pest control company utah, pest control ogden utah, pest control provo Utah

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ET, the new alien scaring global markets (Reuters)

(Reuters) ? The United States is coming to be seen as a global threat, acting unilaterally with aggressive new market rules that critics say will hurt U.S. firms, foreign banks, and international markets in one swoop.

The new buzzword in the financial world is "extraterritoriality", or ET. The idea that a government can exercise its authority beyond its borders.

The fear is that after the 2007-2009 financial crisis that roiled global markets, some countries will engage in an arms race of tough financial reforms in order to be seen as the safest capital markets, and will haphazardly foist their own rules on other nations.

Despite its talk of a global level playing field, the United States is being portrayed as a rogue country, with its unmatched Volcker rule to curtail banks' risky trades and its accelerated timetable to put in place new derivatives reforms.

The backlash has gained force in recent weeks.

International finance ministers are taking up their concerns with the U.S. finance bosses, Treasury Secretary Timothy Geithner and Federal Reserve Chairman Ben Bernanke.

"At this time of financial market stress, I want to ensure this regulatory dialogue supports cooperation aimed at minimizing any unintended consequences of regulatory reforms on either side of the Atlantic," UK Finance Minister George Osborne wrote to Bernanke late last month.

Japan and Canada also fear that unless non-U.S. firms are exempted from the Volcker rule, trading in their own government bonds would be crimped.

EU financial services chief Michel Barnier is expected to raise the Volcker rule issue with Geithner this month.

To be sure, the EU has its own unmatched aggressive reforms. They include harsh proposals for credit raters, hedge funds, and its MiFID law that would only let non-EU firms do business in the bloc on condition that their home rules are equivalent to EU rules and that they offer reciprocal market access rights.

The unprecedented volume of new rules across the world has made overlaps inevitable but unwinding them may not be easy or so fast.

"Extraterritorial stuff is causing trouble, slowing things down. Many are now waking up to the Volcker rule but it would need Congress to change legislation," said an international regulatory official, who could not speak on the record due to political sensitivities.

David Lawton, acting director of markets at the UK Financial Services Authority, said last week that it would take "years and years and years of analysis" for regulators to determine if regimes are equivalent.

U.S. firms are also chafing at what they see as overly tough domestic derivatives proposals that do not have enough extraterritorial reach to ensure their foreign rivals don't get the upper hand.

"I would call it a competitive nightmare," said one attorney at a Wall Street bank who was not authorized to speak on the record. "In Europe, the U.S. banks are going to be on the Dodd-Frank playing field, and European banks are going to be on a very different playing field, which is much less tilted against them."

DERIVATIVES DIVIDE

Efforts by the Group of 20 leading economies to shine a light on a $700 trillion derivatives market that magnified problems at collapsed bank Lehman Brothers and AIG (AIG.N), the U.S. insurer that had to be rescued, are also stoking concerns about regulatory overreach despite strenuous efforts by EU and U.S. regulators to avoid this.

The United States is roughly a year ahead of Europe on its new derivatives framework, with Asia significantly lagging behind with its own reforms.

The European Union is annoyed its central banks won't be exempt from derivatives clearing requirements in the United States. The outcome is that the Fed is unlikely to be exempt from the bloc's derivatives requirements in a similar fashion.

And while the EU and United States are engaged in hand-to-hand combat, Asia is left watching from the sidelines, causing both confusion and a risk of capital flight.

"Multinational banks out in Asia are entitled in some ways to feel like ducks in a shooting range," said Alan Ewins, a partner at Allen & Overy lawfirm in Hong Kong.

But the emerging uneven regulatory framework already has banks thinking about setting up vehicles to book business in Asia to avoid EU and U.S. rules, said Chris Bates, head of financial services at Clifford Chance law firm in London.

DETENTE POSSIBLE?

Last week, Geithner held a press conference and acknowledged the extraterritoriality tensions.

He warned other nations not to adopt rules that are softer in order to poach business from U.S. markets, while also saying regulators need to figure out a sensible way to apply disjointed rules.

"And because in some areas U.S. reforms are tougher or just different from the rules forthcoming in other markets, we need to figure out a sensible way to apply those rules to the foreign operations of U.S. firms and the U.S. operations of foreign firms," Geithner told reporters on Thursday.

Also on Thursday, the U.S. Commodity Futures Trading Commission and the U.S. Securities and Exchange Commission released a report saying that there may be kinks to work out with international derivatives reforms.

The 153-page report said, "It is still too early to determine precisely where there is alignment internationally and where there may be gaps or inconsistencies."

In a dissent to the report, Republican CFTC commissioner Scott O'Malia said while there is global coordination, "significant questions remain regarding the extraterritorial application of the specific rulemakings currently underway at the Commissions."

"Further, significant questions remain regarding the pace of rulemakings among the various regulatory bodies going forward," he said.

International market players welcomed Geithner's remarks and the CFTC-SEC report as an encouraging sign that the United States is officially recognizing that something must be done about the dangers of inconsistent reforms.

"The CFTC paper shows that people are waking up to the issues of extraterritoriality, and throwing the burden back to the Financial Stability Board to create common standards," said Alex McDonald, chief executive of the Wholesale Markets Brokers' Association based in London.

The FSB is the G20 regulatory task force charged with implementing pledges to reform banks and markets after the financial crisis.

"It's finally a recognition you need a way of recognizing each other's rules and it's the first time I've seen this recognized formally," McDonald said.

(Reporting by Huw Jones in London, Rachel Armstrong in Singapore, and Alexandra Alper and Christopher Doering in Washington; Editing by Tim Dobbyn)

Source: http://us.rd.yahoo.com/dailynews/rss/business/*http%3A//news.yahoo.com/s/nm/20120205/bs_nm/us_financial_regulation_et

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Dom za stare ? Several The thing it Mature House Attention ? Font ...

When you have a desire for person dwelling care in any way, condition, and also style, think forget about. It is time you actually found out upfront the achievements all about and put all those curiosities unwind.

Most of the people tend not to truly possibly understand exactly what mature dwelling treatment jobs are initially. A lot of elderly residence caution employees have that erroneous personality to get the one that only attracts in the drive way, check ups to find out you have had ones medication, and then backside the garage. There is certainly far more, having said that.

As an example, a lot of elderly dwelling health care employees currently have training in furnishing field-work therapies for your client. What exactly are field-work therapies? Just when was the past time you had issues tying your sneakers on your own? Why not consider just simply helping your boots and shoes on?

Use a number of people. Once you have the carer delivering field-work options, you will be studying to obtain people skills back. You could have specified workouts great for people manner you grip, and the manner you move the fingers backwards and forwards about very simple rotations. All these work-related treatment plans performed by senior citizen dwelling caution caregivers just might help you restore muscle as well as self-confidence during these everyday projects.

Then we arrived at bodily remedies. All these treatment plans have got fantastic similarities to those involving work, nevertheless they focus on another type of part of the our condition, and that is certainly primarily one?s range of motion. If you think your not able to keep plan your plan, or perhaps the plan of one?s colleagues, or even more radiant members of the family, your body may very well be suggesting one thing.

Physical therapies concentrate on all those regions of movements which can be aching as well as sapped of one?s, and in addition they hone within on ways to boost the actions. It doesn?t matter precisely how easy your defeating activity is definitely, whether a jaunt inside the stairway or maybe shifting to a different one area, most of these treatments are capable of doing like a charm for obtaining ones regimen back on track.

There are talk remedies. Perhaps you have difficulties remembering text, as well as saying phrases properly. This may originate from certainly not making use of your words, or maybe not necessarily communicating in a very speaking method. You can find senior citizen residence care providers who can see this obstacle and produce formative workouts in your dental features in order to get anyone returning to the ability of discussion anyone after pressed. Which can be a vey important aspect off three too!

In the end, never minimize your range of what some sort of caregiver are capable of doing to your account. By closing give it your all look at the most rudimentry supports, you close up your thoughts about getting a large amount with assist. That?s only a thing you don?t wish to take place. It becomes recognizing that you have fail to a get older in your daily life, as opposed to demanding you to ultimately make in which era just what it ought to be: a different beginning! Let elderly house proper care become your guidebook here we are at the previous living, here we are at everything a person assumed you would have to stop. It?s important to believe us all after we state that there?re ready and willing.

Dom za stare is a nursing home that offers OR separate senior residing in a welcoming riverfront community that has bendable solutions plus wonderful options. Your Elderly care facility Carry, throughout Mladenovac, Serbia, is often a current facility which offers many types of consultant attention, medical watch in addition to rehabilitacija to its occupants.

? N Font Articles

Source: http://fontarticles.info/dom-za-stare-several-the-thing-it-mature-house-attention.html

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Charlotte NC Real Estate Market Report for Week Ending 2/3/2012

Date last updated: 2/3/12 12:57 PM PST

The data relating to real estate on this Web site derive in part from the Carolina Multiple Listing Services, Inc. IDX program. Brokers make an effort to deliver accurate information, but buyers should independently verify any information on which they will rely in a transaction. All properties are subject to prior sale, change or withdrawal. Neither Savvy + Company Real Estate nor any listing broker shall be responsible for any typographical errors, misinformation, or misprints, and they shall be held totally harmless from any damages arising from reliance upon this data. This data is provided exclusively for consumers? personal, non-commercial use and may not be used for any purpose other than to identify prospective properties they may be interested in purchasing. ? 2012 Carolina Multiple Listing Services, Inc.

This IDX solution is (c) Diverse Solutions 2012.

Source: http://www.icharlotterealestate.com/savvy-enews-and-charlotte-real-estate-news-for-week-ending-232012/

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Natural gas prices jump on lower supplies (AP)

NEW YORK ? Natural gas prices climbed more than 7 percent Thursday after the government said the nation's supplies shrank last week.

Gas supplies dropped by 132 billion cubic feet last week, according to the Energy Information Administration. The decline was more than analysts expected, but the overall storage level of 2.97 trillion cubic feet remains well above five-year levels for this time of year.

Natural gas supplies have been growing in recent years as producers develop more deposits in shale formations across the country. Mild weather in much of the U.S. this winter has kept demand low. About half the homes in the nation use gas for heating.

Natural gas futures rose 17 cents to finish at $2.55 per 1,000 cubic feet in New York.

The EIA report encouraged investors who are betting that gas prices near 10-year lows will force petroleum companies to cut production. Chesapeake Energy, America's second largest natural gas producer, said last month that it would trim production by about 500 million cubic feet per day and ConocoPhillips said it is considering shutting down another 100 million cubic feet per day of production.

Analysts say other producers must do the same to keep supplies from growing. Goldman Sachs analyst David Greely this week said U.S. gas production will keep growing in 2012 and 2013, but less than previously thought.

"We've reached a point where they need to rein in production," independent energy analyst Stephen Schork said. "They just can't make money."

Natural gas hit a 10-year low last month at $2.32 per 1,000 cubic feet, and the price is still less than half of it what it was in 2010.

Meanwhile benchmark crude fell by $1.25 to end at $96.36 per barrel in New York, reflecting weak demand for petroleum products in the U.S. Brent crude rose by 51 cents to finish at $112.07 per barrel in London.

The government said Wednesday that demand for petroleum products fell by 4.3 percent last week when compared with a year ago. Gasoline demand dropped by 7.3 percent, and demand for distillates ? which include diesel and heating oil ? fell by 1.7 percent.

Retail gasoline prices rose less than a penny to a national average of $3.46 per gallon, according to AAA, Wright Express and Oil Price Information Service. A gallon of regular is about 18 cents higher than a month ago and 35 cents higher than a year ago.

In other energy trading, heating oil rose by about a penny to end at $3.05 per gallon and gasoline futures fell by 2 cents to finish the day at $2.87 per gallon.

___

Follow Chris Kahn on Twitter at http://twitter.com/ChrisKahnAP

Source: http://us.rd.yahoo.com/dailynews/rss/energy/*http%3A//news.yahoo.com/s/ap/20120202/ap_on_bi_ge/oil_prices

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Japan's Panasonic projects record annual net loss (AP)

TOKYO ? Panasonic on Friday nearly doubled its projected net loss for the fiscal year to a record 780 billion yen ($10.2 billion) amid weak TV and mobile phone sales and ongoing restructuring costs after acquiring smaller Sanyo Electronics Co.

Panasonic joins Sony and Sharp as the latest major Japanese electronics maker to predict huge losses for the year through March. That reflects the battering these brand name companies have taken from the yen's surge, a weak global economy, last year's tsunami disaster as well as flooding in Thailand, which disrupted supply networks.

For the October-December quarter, Panasonic reported a net loss of 197.6 billion yen ($2.6 billion). A year earlier, it had a net profit of 40 billion yen for the same quarter.

Panasonic is streamlining its businesses and cutting jobs after acquiring Sanyo, which was strong in the solar power and rechargeable battery businesses. But some Panasonic and Sanyo products, including refrigerators and washing machines, overlap.

The larger projected annual net loss was linked largely to restructuring costs, from early retirement packages to impairment losses of fixed assets, it said.

So far, Panasonic's worst annual loss totaled 427.7 billion yen for the year through March 2002, when it was still Matsushita Electric Industrial Co.

Like both Sony and Sharp, Osaka-based Panasonic has struggled in its flat panel TV business. All three face intense competition from South Korea's Samsung Electronics Corp. and others.

Panasonic said that despite favorable sales of personal computers, sales of TVs and mobile phones declined.

The company's quarterly sales fell 14 percent to 1.96 trillion yen, it said in a release.

The yen's strength against the dollar and euro, which erodes foreign earned income when repatriated to Japan, also hurt Panasonic, which gets just under half its sales from outside the country.

Rival Sony Corp. on Thursday predicted a net loss of 220 billion yen ($2.9 billion) for the year through March, much bigger than an earlier forecast of 90 billion yen.

A day earlier, Sharp Corp. said it expected to lose 290 billion yen for the fiscal year.

Last month, Moody's Investors Service lowered its credit ratings one notch for both Panasonic and Sony amid pressure on their TV businesses.

Moody's said Panasonic's financial strength has deteriorated since it acquired the remaining stakes in Sanyo Electric Co. and Panasonic Electric Works Co. Its debt rating was lowered to A2 from A1, while Sony's credit was cut to Baa1 from A3.

Source: http://us.rd.yahoo.com/dailynews/rss/earnings/*http%3A//news.yahoo.com/s/ap/20120203/ap_on_bi_ge/as_japan_earns_panasonic

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