রবিবার, ৪ নভেম্বর, ২০১২

MetLife to sell business unit to JPMorgan Chase

(AP) ? MetLife Inc. is selling its $70 billion mortgage servicing business to JPMorgan Chase & Co. for an undisclosed price.

MetLife said Friday that the move is part of its strategy to focus on the insurance side of its business. It decided last year that it no longer wanted to serve as a bank holding company and subsequently sold off a number of those non-core businesses.

JPMorgan Chase said the deal will strengthen its own servicing business. It expects that business will grow as consumers refinance to take advantage of currently low interest rates.

The deal will increase the company's $1.1 trillion servicing business by more than 5 percent.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2012-11-02-US-MetLife-JP-Morgan-Chase/id-96fc1f99efbe4d1da5b0956943e3f043

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শনিবার, ৩ নভেম্বর, ২০১২

Health and Fitness Talk ? Domestic Violence: A Women's Health Issue

by Kimberly Allen, RN

Domestic violence goes by other names including intimate partner violence.? Domestic violence is a worldwide problem affecting people of all ages, races, and socioeconomic status regardless of religious affiliation, education or occupation.? In the US domestic violence is the number one cause of injury to women between 15 and 45 years of age.? That?s more than rapes, muggings, and car accidents combined.? Approximately 4 million women are physically abused by spouses, ex-husbands, and male partners every year in the US.

Every 15 seconds a woman is physically abused by her husband or partner in the US.? Also, in the US 1 out of 3 women will experience domestic violence at some time in her life.? There are currently approximately 2,000 shelters for battered women in the US.? Even after leaving the violent environment 70% of women are injured by the husband or partner they left.? If these statistics aren?t alarming enough children that witness domestic violence in their home suffer from emotional and behavioral problems ranging from withdrawal and low self esteem to nightmares and aggression towards their peers, other family members and some start vandalizing property.? Some blame themselves.? Studies also show that boys that witness domestic violence are twice as likely to become abusers as adults than boys that are not exposed to domestic violence.? In fact witnessing violence in the home is the greatest risk of violent behavior carrying on into adulthood.? The cost of domestic violence is at least $6 billion a year with most of that being for medical care, especially emergency room visits, as well as mental health services.? In terms of lost work, victims of domestic violence lose approximately 8 million paid days of work.? That amounts to over 32,000 full time jobs.? Then add the cost of investigating and prosecuting the almost 17,000 homicides that are committed every year during domestic violence encounters.?? This makes domestic violence a significant health problem.
The US Department of Justice has defined domestic violence as ?a pattern of abusive behavior in any relationship that is used by one partner to gain or maintain power and control over another intimate partner?.? The USDOJ? further recognizes that domestic violence is not limited to physical abuse it can also encompass sexual abuse, emotional and psychological abuse as well as economic abuse.? Any type of action or threat of action that are meant to intimidate, humiliate, manipulate, frighten, or terrorize as well as to injure or wound another person.? The USDOJ has gone on to define the various types of abuse.There are a variety of different theories about what causes domestic violence.? These theories involve both psychological issues like the personality traits including mental characteristics of the abuser.? They also look at social issues, for example the abusers family structure, social learning and stress level.? However, as with so many other issues related to human health no single factor is seen in all cases of domestic violence.
Recognizing domestic violence before it escalates to the point where someone is in serious danger is the first step to getting help.? No one anywhere should have to suffer an abusive relationship.? It?s important if you or someone you know is in an abusive relationship that you recognize it and seek help.? If it?s someone you know that you suspect or know is in an abusive relationship try to be supportive and encourage them to seek assistance.? Some of the key signs of abuse are fear, if you or someone you know is afraid of their partner, afraid to talk about certain things or feel that you?re always wrong.? There may also be physical symptoms like bruises, broken bones and other injuries.? Trust me not that many people walk into doors.
Due to the prevalence of domestic violence all Drs, nurses and therapists are trained to watch for symptoms of abuse, especially in the emergency room.? In many states there are laws in place requiring Drs to report any suspected cases of domestic violence.? If you or someone you know is a victim of domestic violence there are numerous organization available today with emergency hotline phone numbers, shelter and counseling to help you get out of an abusive situation.

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Source: http://www.healthandfitnesstalk.com/domestic-violence-a-womens-health-issue/

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Facebook adds a way for you to really, really 'like' something

5 hrs.

Richard Metzger isn't very happy with Mark Zuckerberg.?

The founder of Dangerous Minds,?an outsider arts and?culture blog, Metzger has cultivated more than 50,000 fans on his Facebook page over the last three years. But ever since Facebook went public in May, changes to the social networking giant's content algorithm have made Dangerous Minds' content an increasingly infrequent part of fans' daily Facebook timeline.

When you click "like" on something, you may think that means your timeline will get all the?updates from that brand. And it used to. But in an attempt to improve the usefulness of data it shows you on your timeline???which can mean removing content you don't interact with???Facebook has also confused what users and publishers?can expect "liking" something to mean.?In an attempt to clear up that confusion, Facebook has added new "like" options, such as "Get Notifications" and "Show in News Feed," which ask users to micromanage the properties that they already "liked."

In a fiery public complaint,?Metzger accused Facebook of "the biggest bait 'n' switch in history" with the introduction of "Promoted Posts." Essentially,?Facebook started asking Dangerous Minds to pay to promote posts to its willing?followers, a charge that Metzger estimated?could amount to $672,000 a year or more ? for something that was once?freely distributed to the same audience.?

Metzger broke down his calculations:

At Dangerous Minds, we post anywhere from 10 to 16 items per day, fewer on the weekends. To reach 100 percent of of our 50k+ Facebook fans [on fans' timelines] they?d charge us $200 per post. That would cost us between $2,000 and $3,200 per day???but let?s go with the lower, easier to multiply number. We post seven days a week, that would be about $14,000 per week, $56,000 per month? a grand total of $672,000 for what we got for free before Facebook started turning the traffic spigot down in spring of this year???wouldn?t you know it???right around the time of their badly managed IPO.

According to Metzger, traffic from Facebook back to Dangerous Minds has dropped by half to two-thirds from its previous levels, with the only apparent recourse being paying Facebook to promote posts to fans.

A?Facebook spokesperson told?NBC News that Metzger has misinterpreted the idea behind promoted posts: According to Facebook, they're going for quality, not quantity.

"We?re continuing to optimize (the)?news feed to show the posts that people are most likely to engage with, ensuring they see the most interesting stories," said the spokesperson. "This aligns with our vision that all content should be as engaging as the posts you see from friends and family."?

Facebook's advertising is designed????and priced????so that "the most engaging content" is promoted, but not in the way you might think: The most "organic engagement" a piece of content has????natural momentum from people viewing the content, commenting on it, or clicking "Like"????the less Facebook charges an advertiser to promote it.?

Just because a Facebook user has clicked "Like" on a fan page doesn't mean that person, publication, organization or brand will have unfettered access to push updates into a Facebook user's timeline? (even though, not that long ago, that's more or less how Facebook worked).

This can be confusing for some users and publishers, who had grown used to previous iterations of Facebook that operated more like Twitter or feed readers such as Google Reader, which show every bit of content from "liked" brands or publications in personal timelines.

But what does clicking "like" on a fan page mean to a user? As Allen Tingley said to me on Twitter, "Just because I 'like' something does not mean I want your marketing [crap] all day long in my newsfeed. social != free ads." But for?other users, clicking "like" may mean they want to be reached by? their "like-ee" as often as possible.

The confusion stems not just from users' varying perception of what clicking "like" means, but also from changes Facebook has made (and continues to make) to the way the algorithm that surfaces content to a user's timeline works over the last year.?

Clicking "like" is only one of "ten portions that count as engagement," according to Facebook. (The only way to count "disengagement," as it were, is to click the button that hides posts on your timeline.)?

Writing a post on a wall, tagging a photo, commenting on a fan page????all of these things add up behind the scenes to inform Facebook of what it should and shouldn't post on your timeline. As Facebook learns more about you from watching your online behavior, it attempts to present to you the content it thinks you most want to see.

The more you engage with a brand, an organization, or a person on Facebook, the more likely it is you'll see their content in your timeline. (Unfortunately, that's about as much direct control as you have over your timeline; there's no "See Everything From So-And-So" switch.)

Unless, of course, an advertiser???anyone from a big brand to a small publisher like Metzger, or even one of your personal friends???pays Facebook to push content to your timeline. Like Google, Facebook is at heart an advertising company. Or at least it is now that it must begin to pay back its investors.

For a small publisher like Metzger, who spent years investing time and resources into building a Facebook community because of the traffic it sent to his website in return, Facebook's recent monetization of his work feels like deception. "The idea that Facebook's senior management wouldn't have anticipated something like this???a very negative reaction from their most engaged user base???happening just boggles the mind," Metzger told NBC News. To Metzger, those 50,000 people are friends ??or at least "friends"????while Facebook sees them as mutually shared customers.

Yet Facebook can't operate as a free service forever, at least not for everyone. Since it's not likely that individual users will pay for Facebook accounts, that leaves only advertisers. Even if, as in the case of Metzger and Dangerous Minds, the social network didn't think they were an advertiser, but instead another user.

It's a new twist on the old aphorism, "If you're not paying for the merchandise, you are the merchandise." This time around, Dangerous Minds is both the merchandise and the customer: The blog?built a community and provided content to Facebook; Facebook built a social network that provided traffic and tools to Dangerous Minds in return for free, until the community that Metzger built became valuable enough to sell to advertisers???including Metzger.

While Facebook is unlikely to roll back changes to its sharing?algorithm?to "full blast," the company has confirmed that users will now have a way to opt in to receiving full updates from companies, organizations or publications they "like" by clicking a "Get Notifications" toggle on the Like button itself. Of course, this demands followers to go to the company page and specifically adjust settings ? something most likely won't do.

Metzger sees it as an improvement, if only just. As he told NBC News, "Obviously, from just about every perspective I can think of, this is a?significant change for the better, but if [Facebook's algorithm] was the?opt-in feature to begin with, and not an opt-out thing,?then Facebook wouldn't have invited the [storm] of toxic public?opinion that greeted the roll-out of their promoted posts scheme." Metzger still considers the original implementation "amateur-hour vulture capitalism."

In other Facebook users,?Metzger may have struck a nerve, telling NBC News that his rant currently had been "liked" over 20,000 times within 24 hours of its posting ??on Facebook.

Joel Johnson is a tech & science reporter who lives in Brooklyn.

Source: http://www.nbcnews.com/technology/technolog/responding-criticism-facebook-adds-way-you-really-really-something-1C6669506

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Cost of San Onofre nuclear outage in California reaches $317 million: Edison

(Reuters) - The cost for the prolonged outage at the damaged San Onofre nuclear power plant in California has topped $317 million for the year, the plant's primary owner, utility Southern California Edison, said Thursday.

Inspection and repairs of giant steam generators inside the two-unit nuclear plant - which has been offline since January when a radiation leak was discovered - have cost the utility $96 million, officials of SCE's parent, Edison International, said during an earnings call.

Power to replace lost output from the 2,150-megawatt plant has cost an additional $221 million, SCE officials said.

Last month, SCE submitted a plan to the Nuclear Regulatory Commission to restart San Onofre Unit 2 and operate it at 70 percent of capacity for an initial 5-month period, at which point it would halt production and look for signs of the premature tube-to-tube wear that led to the January leak in Unit 3.

Edison Chief Executive Ted Craver said it was unclear if and when the regulator might allow SCE to move forward with its plan or whether the plant would ever come back online fully.

"It's not clear at this time whether the units can be repaired, and it appears complete replacement of the steam generators would take some years," Craver said.

In an attempt to recoup some costs related to San Onofre, SCE in September submitted a $45 million invoice to Japan's Mitsubishi Heavy Industries Ltd, which manufactured the steam generators.

SCE has a 20-year warranty with Mitsubishi for the steam generators, and officials said they plan to send additional invoices to the company down the road.

Last month, the company also submitted an initial claim to Nuclear Electric Insurance Ltd, an industry-sponsored fund, for loss recovery under its outage insurance.

"We will remain diligent in recovering costs incurred from the outage from warranties and insurance," Craver said.

Still, officials said there was no guarantee the utility would recover money from either the warranty or the insurance company.

Edison International reported third-quarter 2012 net earnings of $190 million, or 58 cents a share, down from the $426 million, or $1.31 per share, reported in 2011.

The utility unit reported earnings of $1.11 per share in the quarter ended September 30, down from $1.25 per share a year ago.

San Onofre, the biggest power plant in Southern California, is 78 percent-owned by Southern California Edison. The remainder is held by the city of Riverside and San Diego Gas & Electric, a unit of Sempra Energy.

(Editing by Eileen O'Grady and Joseph Radford)

Source: http://news.yahoo.com/cost-san-onofre-nuclear-outage-california-reaches-317-015918125--sector.html

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বৃহস্পতিবার, ১ নভেম্বর, ২০১২

What Is The Secret Sauce In Good Content?

One of the things I really like about the field of SEO is how so many professionals are willing to help others in their free time. They volunteer to help non-profits, write blog posts for free (ahem!), and attend public SEO meet-ups.

In the Puget Sound area of Washington State, the Seattle SEO Network holds a pair of monthly meetings: one for Pro SEOs to exchange ideas and help each other learn, and another to bring together SEOs and local business people starting in the world of online marketing who might not know a <title> tag from a local search citation.

Having volunteered my time for much of my professional career with industry user groups, I attend the Seattle meet-ups when I can (which unfortunately means not often enough). Still, it?s always great to meet new people and hear new perspectives about today?s online marketing challenges.

At a recent meeting, one of the new attendees asked an excellent question of the pro SEOs in attendance. He said he had repeatedly heard the generic recommendation to ?publish great content?.

But what he really wanted to know was this: what is ?great content? exactly?

The question is not as simple as it sounds. The range of answers generated by the SEOs in the crowd was impressive and interesting. I thought I?d share some of them here with you in case one of our newer readers might be interested in the answer.

Defining great content depends on your point of view. What does it consist of, how is it used, and how to measure its value, are just some of the perspectives to be considered. Let?s take a look at how this breaks down.

What Does Great Content Consist Of?

First of all, great content is something that can be easily read by a person browsing your website. But that?s not where it ends. In fact, that?s where it starts!

Great content also has to be easily read by a computer, such as a search engine crawler. Since crawlers are generally not very intellectually flexible entities, we need to spoon-feed them content that they can technically consume, and more importantly than anything else, this needs to be in the form of text.

But when I say text, I don?t just mean the appearance of letters and numbers on the screen. I mean good, old fashioned ASCII text in the page. Text content shown by means of rich Internet application (RIA) technologies like JavaScript, Flash or Silverlight may make for fancy pants presentations, and it usually helps designers look unduly impressive in the eyes of unsuspecting clients, but more often than not, at least in terms of search crawlers, it?s actually a disaster.

As you may know, search engines can?t reliably read content buried in such types of rich technology. Same goes for text presented within images, videos, animations, and the like. All of that important text is buried in binary files.

Now truth be told, Google does occasionally employ optical character recognition (OCR) technologies in an effort to decipher the buried secret messages these otherwise inaccessible technologies are hiding, and they are also making progress (albeit slowly) on reading some bits of JavaScript, but it?s definitely not an optimal way to feed the beast.

The beast wants text, so instead of using RIA or graphics for pretty text, use CSS technologies to make your text look fancy while keeping the page easily digestible for a search crawler.

YouTube Preview Image

One big piece of advice: if you really are a true fan of flashy, blinky, loud, colorful, and otherwise cool RIA content, do a favor for your site and your end users who are not fans of the flashy, blinky by making your RIA content accessible by down-level users. These users include those who choose not to install browser plug-ins, those who surf with old or incompatible browsers, and to the point, those who are simple search crawlers.

The process of providing a lesser, secondary experience for these users is known as graceful degradation, and while it?s a bit more work to do (and certainly less sexy than flashy, blinky), it?s also critical for getting the content of that page reliably indexed in search.

Content Is The Secret Sauce

The SEO secret sauce

What?s in Search?s Secret Sauce?

While you?re thinking about page text, don?t forget the search secret sauce: writing on-page metadata, aka content about the content on the page.

If you ignore writing great, unique, and optimized text for <title> and <meta> description tags, you?re missing an invaluable opportunity to define the theme of the page for both human users and crawlers.

Same advice goes for <h1> tags and <img> alt text. The <title> and <meta> description are typically used in the search engine results pages (SERPs) list (<title> text being the blue-link text, and the <meta> description text serving as the descriptive snippet beneath the blue link text).

The <h1> serves as the on-page headline for the page, and the <img> alt text is where you can define the content of the image in text form (and aim to make the alt text relevant to the page instead of just a generic image description).

Best of all, the text in the tags <title>, <h1> and <img> alt text are valued by search engines as high quality sources for defining keywords for the page.

Bottom line: Write great content for human consumption, but think of your primary readers as humans who rely on using computer screen reader applications. If you write great text content for people that is readable by computers, you and your readers all win!

How Is Great Content Used?

Great content serves a very important purpose: it informs the reader about the topic of the page. When great content is smartly developed and used strategically, it easily accomplishes the following tasks:

  • Helps people understand the topic
  • Demonstrates your unique expertise or angle on the subject
  • Makes people want to come back and read it again
  • Makes people want to link to it so other people can access it from their website, blog, social network feed, etc.
  • Compels people to do the following:
    • Buy something on the site
    • Download a document, a file, or an app
    • Write a review or endorsement
    • Subscribe to a site?s RSS feed
    • Follow the author?s Twitter account
    • Generate a Like on the author?s Facebook page
    • Submit the page to StumbleUpon or Reddit
    • Submit their email address to subscribe a periodic newsletter from the same author

Great content is what the Web was originally designed to facilitate. Write what you know, make it compelling, and people (and search engines) will respond accordingly. It may take time, of course, but even viral content starts with an initial post.

But How Do You Create Great Content?

Great content is, well, great! Of course, that can also be a relative thing. It?s like the old story of being in the woods with a bunch of your coworkers when you accidentally encounter an ill-tempered bear. When the chase begins, you personally don?t need to outrun the bear (good luck with trying that). You only need to outrun the other people you?re with.

Sure, that?s a grizzly (pun intended) tale with a morally ambiguous message, but that?s why I made the other people your coworkers. Business is business, after all!

If the lack of great content is what separates your site from your competitors in the SERPs, then you?re not likely to ever surpass them by corner-cutting moves. You?ll need to invest in developing that great content you know you need. Hey, if getting high page rank was easy, anyone could do it!

So what is this elusive great content you need to create? Read what you have on your site?s pages and ask yourself the following questions (or better yet, ask someone who is not biased toward your site so you?ll get an honest answer):

  • Is the content informative?
  • Is it authoritative on the subject matter?
  • Is it interesting?
  • Is it well-written (complete sentences are important, but so is approachable writing rather than being stodgy)?
  • Is longer content broken up into well-organized sections by headings?
  • Does the content make good and interesting use of visual elements?
  • Is the writing free of embarrassing spelling errors or remedial grammar problems?
  • Is it written appropriately toward its intended audience?
  • Is the content free of industry-insider jargon, focusing instead on terminology your readers would use (and search for)?
  • When appropriate, does the content show your unique voice or even?a sense of humor?

If you answered No to any of the above, think about your approach and redo it.

How Do You Measure The Value Of Content?

To be sure, while offering the best possible content is always a laudable goal, often the resources for making that happen are very hard to come by. If your site is in a small niche market, take a close look at your online competition in search. If those sites are dull, boring, and uninteresting, you might get away with being just a little better than them. At least for a while.

If the bear is really hungry, in time, an ambling trot in your part may not be enough. Nor may be a half-hearted attempt to post a lazy, ?slightly better than the competition? paragraph on a few pages. Sure, it?s a start, but it?s only a start. Corner-cutting optimizations are a tough way to achieve success, especially in the long run.

But what if the online competition is heated, competitive, and you?re up against top-ranked pages? Just understand that search engines, like people, really like great content.

So often websites are conceived as vehicles to promote a business, sell a product or service, or show off some technical handiwork, and writing page content is typically a last-minute (or last-second!) addition. It?s considered drudgery, mere junk to fill a void on the page. These are horrendous mistakes that completely miss the point of the Web, especially if a site owner wants it to be found (and ranked well) in search.

Creating great content should be part of the design process at the beginning. Use the website to tell your tale, show what makes you and your business special. This is the essence of great content.

Images from Shutterstock, used under license.

Opinions expressed in the article are those of the guest author and not necessarily Search Engine Land.

Related Topics: Keywords & Content

Source: http://searchengineland.com/what-is-good-content-137443

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