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Apr 11

Nokia warned its phone business would post losses in the first two quarters this year

HELSINKI (Reuters) – Ailing mobile phone maker Nokia warned its phone business would post losses in the first two quarters this year, as it struggles to revamp its product line to compete with rivals Apple and Samsung .

Earlier on Wednesday, Nokia also said it had found a software bug in the new Lumia 900 smartphone, its big hope to take on Apple’s iPhone, and was effectively giving the model away until it is fixed.

Nokia said its phone business, which is launching new products on Microsoft’s Windows Phone operating system to reverse the decline of old lines running Symbian software, would make an operating loss of around 3 percent of sales in the first quarter, having earlier forecast around breakeven. It predicted a similar or larger loss in the second quarter, below all 29 analysts’ forecasts gathered by Reuters.

On average, analysts had expected a profit margin of 0.4 percent for the first quarter, and 2.1 percent for the second.

“It’s a disaster,” said Thomas Langer at WestLB. “Shipments of Symbian devices are declining faster than we anticipated … (and) the ramp up of Lumia devices is not fast enough to compensate for the shortfall.”

Nokia’s share price plunged as much as 19 percent to 3.10 euros after news of the coming losses hit the market, their lowest level since the 1990s. The shares had already dropped more than 50 percent since the firm unveiled the swap to Microsoft in February 2011.

“Nokia’s challenges have been exacerbated by rampant competition – notably Apple and Samsung, who are extracting a disproportionate amount of margin from the industry at present,” said Ben Wood at CCS Insight.

Though still the world’s biggest volume maker of cellphones, Nokia lost the top spot in the lucrative smartphone market last year to Apple and phones running Google’s Android system, in part due to its weak performance in the United States, where its smartphones have slipped to less than a 1 percent market share.

LOST GROUND

WestLB’s Langer does not expect the problems to end in the second quarter.

“In Q3 we will have the iPhone 5 and (Samsung’s) Galaxy S3 and so on, so EPS (Nokia’s earnings per share) for 2012 is now somewhere in limbo. I think they need to start the second or maybe the third phase of a restructuring program. It’s a very difficult situation for them.”

Nokia said it sold over 2 million units of all its Lumia smartphone models in the quarter to end March, up from over 1 million in the overlapping November-to-January period, but analysts said they had expected a faster uptick in sales.

Mikael Rautanen from research firm Inderes said he was expecting twice the sales volume.

“This poured a lot of cold water on investors, and I think the stock is reacting accordingly,” he said.

The battle to recover lost ground was made a little harder by the data connection bug in the Lumia 900, Nokia’s first 4G phone, which it markets with the strapline “an amazingly fast way to connect”. Nokia said a software update to fix the problem, a “memory management issue” related to phone software, not to hardware or the Windows operating system, would be available around April 16.

It is offering anyone who has bought a Lumia 900 phone, or who buys one by April 21, a $100 credit to their AT&T bill. The operator sells the phone for $99.99 with a two-year contract.

The Lumia 900 is currently only available in the United States, where it was launched on April 8, and is key to Nokia’s comeback there.

“It’s like they stalled their engine when everybody is looking at them at the start of their race,” said Gartner analyst Carolina Milanesi.

It is the third Nokia phone to run the Windows operating system since the company ditched the Symbian system last year. It is due for a wider global launch this quarter. The model won several awards at the Consumer Electronics Show in Las Vegas when it was unveiled in January.

COSTLY GLITCH

“I must say I have not encountered anything, but I have been impressed by their forthright, aggressive, and undoubtedly costly response,” said Boston-based analyst John Jackson from CCS Insight, who uses the Lumia 900.

Though one analyst who asked not to be named said it would only cost Nokia at most $10 million on likely sales before the fix, it will be a big disappointment to a company struggling to revive its brand. Its share of the global smartphone market tumbled to 12 percent in the fourth quarter of last year from 30 percent a year earlier.

“To have a memory issue causing disruption to what was otherwise, apparently, a fairly good launch, with prime time ads and reasonable reviews, is the last thing they needed – particularly in the U.S.,” said Tim Shepherd, analyst at Canalys, before the loss warnings.

Nokia created the smartphone industry in the late 1990s with its Communicator models and was the undisputed leader until Apple’s iPhone entered the ring in 2007 and Google’s Android system was released in late 2008. In late 2010 it replaced its chief executive with Stephen Elop, who headed Microsoft’s business division, and later switched to the Microsoft Phone system to arrest the decline.

(Additional reporting by Terhi Kinnunen, Eero Vassinen and Veronica Ek; Writing by Will Waterman; Editing by Mark Potter)

Apr 11

Lazio boss tips Juve for Serie A title

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Lazio boss Edy Reja believes that second-placed Juventus will overtake leaders AC Milan to win this season’s Serie A crown, even though his side could have a major say in deciding the championship.

Milan are currently just one point ahead of Juve in the Italian league but that could all change when the Old Lady of Turin take on third-placed Lazio on Wednesday night.

But even though his team could stop Antonio Conte’s Juve from winning the league, Reja believes the bianconeri will triumph come May.

“They have character, quality and temperament and I think they will stay top right to the end,” he said.

“Milan have many injuries and they don’t have many options to replace players while Juve have been able to prepare without the midweek European commitments.”

Reja paid tribute to Conte for his tactical acumen, likening the young coach to himself a few years ago.

“I have to congratulate Conte. He’s given mental strength and a new philosophy to the team which is in fact a 3-5-2 formation like the one I used at Napoli for which people accused me of being too old.

“They’re very good on the flanks, they have a lot of quality in attack and midfielders who get invovled.”

Lazio lost at home to Juve earlier in the season but they took four points off Milan in their two games.

They are 11 points behind Juve and three ahead of the chasers trying to snatch the final Champions League qualifying berth from them.

Apr 11

Indonesia says only small tsunami waves hit Sumatra after quakes

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JAKARTA (Reuters) – Small tsunami waves of around one meter hit the western coast of Indonesia’s Sumatra island on Wednesday after a series of major earthquakes, though the country’s disaster agency said it was still assessing whether there were any deaths or damage.

The agency expects the worst impact to have been on Simeulue island off Sumatra and forecasts further small aftershocks in the country’s westernmost region, but it has lifted its tsunami alert for an area which was devastated by a tsunami in 2004.

(Reporting by Olivia Rondonuwu, Rieka Rahadiana and Andjarsari Paramaditha; Writing by Neil Chatterjee; Editing by Kim Coghill)

Oct 08

Steps For Getting A Car Loan With Bad Credit

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If you find yourself with less than perfect credit, you are not alone. In today’s economic situation and with the unemployment levels has high as they are, many people find themselves in over their heads. For many, their credit scores have suffered and this can create a less than perfect situation when trying to get a car loan.

If you are in this situation, this article will explain how to get a car loan with bad credit. Fortunately, with the change of times, there are more car dealerships and auto brokers that offer programs for those with less than perfect credit.

Begin by locating a local car dealership or auto broker that offers special financing on car loans. Because not all auto sales establishments offer this service, this will be the first question you should ask when you contact the dealership or broker. Don’t assume just because the dealership sells cars they will be able to help you with your low credit score. Don’t take this personally, just move on to the next place until you find someone who can help.

Once you have established a car business that works with those with bad credit it is time to collect some paperwork so the salesperson can get you pre-approved. Pre-approval will allow the dealer to work the program that makes sense for you and your specific situation.

For pre-approval you will need a few documents. These include the following:

*Proof of income – this would include a couple of your most recent paycheck stubs. If you have direct deposit, bring a bank statement that shows your monthly deposits.

*Proof of residency – this could be a utility bill such as your electric bill and maybe a cell phone bill that has your address on the statement.

*Valid state issued driver’s license – this will be used for identification purposes.

*Proof of Insurance – bring along your current insurance car, the name and telephone number of your insurance agent.

*Additional helpful items may be your most recent taxes and a list of 3-5 personal or business references including their phone numbers and addresses.

Having these items ready will work to help get you pre-approved and could make the whole process a lot quicker for you and easier.

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Oct 07

How To Get Out of An Auto Loan Debt on Your Own?

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An auto loan is basically a loan advanced to an individual for the specific purpose of purchasing a car. The loan is usually payable within a short to medium term with a low interest rate charged to it. The terms of repayment are usually minimum monthly amounts which include repayment of both the principal amount borrowed as well as the interest on the loan. When the borrower then becomes unable to make payments toward the auto loan, they are said to be in default. Once default has been recorded, credit reference bureaus will be notified and the loan may be recalled. The car may also be recovered by the company, so it is important to ensure that an auto loan that is procured can be paid off comfortably, that is, a loan that the borrower can afford.

Can individual’s personal circumstance may change and this may result in a borrower being unable to service. Basically, before taking out the loan, it is important to ensure that the loan to be borrowed is only what is affordable and not more. This makes it easier and less stressful to repay. An important part of getting out auto loan debt is organizing personal finances. By reorganizing personal finances and making lifestyle changes and also adopting personal austerity measures, savings can be made in many areas which can then be used to pay off the auto debt loan. If these measures are adopted for long periods of time, then it is possible to get out off debt and live debt free again. Another measure that can be used in getting out of an auto loan debt is to take out a debt consolidation loan, especially if there are other debts as well, such as credit card debts or others. This is good way of getting rid of it. There are a number of debt consolidation companies available that are willing to work with people with bad debts and help them consolidate the debts. This is done by providing the indebted person with a loan that is used to pay off the debt. The person is then left with one single loan that will be paid off slowly.

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Oct 04

Student Loan Relief – How to Get Rid of Student Loan Debt

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Every child is not born with a silver spoon in his mouth. In fact, the majority of youngsters have to resort to student loans to get the right standards of education. The percentage of students who are aspiring for higher education on the basis of student loans is far too high for the problem of student loan debt to not be considered seriously. While they are ideal for youngsters looking to make a career for themselves, the real problem arrives when the student leaves the university to work. It is at this point that the student loan needs to be paid back, which results in many students becoming debt laden. However, this does not have to happen, if only such youngsters learn to get rid of student loan debt in a proper and dignified manner. Here are the steps to achieving this noble goal.

1. Keeping proper records and budgeting

The first step to getting rid of student loan debt is to become responsible and understand that the only way out of this problem is through it i.e. to say that there are no shortcuts. Most youngsters fresh out of college do not bother with keeping a solid record of their expenditure, which is the primary reason why they get into such problems. The key here is to make a budget and sticking to it as much as possible. This budget would incorporate your income and all your expenses with the expenditure being divided between necessary and unnecessary. Furthermore, you should even have some allowance for creating cash reserves. This can be done by deciding to set aside a certain amount of money every month for the foreseeable future and also vowing not to use this money for anything.

2. Negotiate with the lender for time and interest rates

If the kind of remuneration that you are getting in your first job is not enough then you can even meet with the lender and negotiate with them a new schedule of repayment along with realistic interest rates. If the job is stable, it is likely that most lenders would agree to a renegotiation for the sake of all parties involved. There is scope for renegotiation with all types of student loans and even if you do not need it, you should explore this avenue.

3. Student debt consolidation programs are useful for multiple loans

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Sep 21

Casio Pathfinder Watches

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Whether you are a fan of extreme sports or just outdoor sports or a fan of pushing yourself to the limit or just keeping fit the Casio pathfinder watch may well be the watch for you. It is fully featured so that whatever sport you are doing it can come in handy in some way.

Any outdoor sports where you get out into the countryside benefit from a watch that has a compass, never get to lost, you will always be able to head in the same direction until you find a road, even at night and that’s because it has a light, of course, but not just any light, a bright blue easy to read light that lights up the entire watch face. Being a watch as well the compass can be checked easily as you go along whatever you are doing. You could be cycling, jogging or even sailing and you don’t have to stop what you are doing. Other functions at the touch of a button include a thermometer, surprisingly useful if you are out doing exercise for extended lengths of time when it is very hot and very cold, monitor the temperature so you can take precautions be it to avoid heat stroke or hypothermia.

Whether when you are out doing exercise and potentially far from home is a major consideration, the weather forecast that morning may be little good and if a storm is likely to come in or precipitation going to start it pays to know: not least if you are in a region where harsh storms or blizzards are common: a barometer means you can monitor conditions and take seek shelter in plenty of time if pressure starts falling fast.

An altimeter along with a compass can help you work out wherever you are, especially if you have a good map with contours marked on. It is also good with many sports such as cycling, hiking and running to know just how high you have climbed and much of the Casio Pathfinder’s features are aimed at measuring your performance so you can push yourself harder. Stopwatch and alarm features let you time and test yourself. This is very practical as well as interesting when diving too and the Pathfinder makes a great diving watch being water resistant to 200 meters down.

Just in case the Casio Pathfinder doesn’t sound advanced enough for you there is also the Casio Paw5000-1 to consider. The Paw5000-1 is an incredible watch, it has all of the features of the Pathfinder including compass, altimeter, barometer and thermometer, but how about a highly accurate solar powered watch. If you really are heading out into the wilderness for days or even weeks then a watch that won’t go flat is vital, especially when you are using it for so many functions, a solar powered watch will never run flat and this time piece features atomic time keeping meaning that the accuracy is at a level beyond almost any watch before, right up to the second. Along with a rugged yet lightweight design this is the ultimate watch to take on any adventure.

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Sep 21

Developing Your Signature Barbecue Sauce

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First it was ketchup and mustard, then came the steak sauce and we mixed the three at the table as we ate, then we ran the gambit of bottled barbecue sauces, and finally we began experimenting on our own. When it comes to barbecuing basics, you have to have the barbecue sauce. Not a new item, of course, but essential for waking up the flavor of your meat and complementing your menu.

Making your own barbecue sauces also provides you the opportunity of being creative and improvising with what you have. If you look over the internet recipes, you will find some amazing ingredients to barbecue sauces-blueberries, peaches, rhubarb, cherry cola, coffees, liquors, liquors, even peanut butter and marmalades. People are using every kind of heat, from chili powder to habaneras-whatever brings the flavor they are looking for.

Of course, there are several considerations when choosing the kind of barbecue sauce you want:

1. Your choice of meat;
2. The other items on your menu-grilled vegetables, kabobs, grilled fruit;
3. The flavor you are looking for-how hot, how sweet;
4. How you are going to use it-as a marinade, or for dipping or mopping;
5. The time and effort you want to spend on your barbecue sauce, especially if the game is moved up or delayed.

Ultimately, you want to develop your own special one that will become your signature sauce among your friends and family. You want one that is easy to make, has ingredients that are easy to find in the area where you live, and one that is easily storable so you can make it in advance.

Your choice of barbecue sauce might depend on the area of the country where you reside, since every region has its own favorites, ever since the pioneers began developing the sauces as they moved across the plains. You can find barbecue sauces named for Nebraska, Canada, and almost every country in the world. But historically, the “fab four” have survived as the most popular:

* Carolina Barbecue Sauceis notorious for its distinctive mustard and vinegar base, made especially for grilled and smoked pork and chicken. In North and East Carolina areas, the barbecue sauces vary slightly with some tomato flavor added.
* Memphis Style Barbecue Sauce, a thinner sauce, is often served on the side or on special request, and is a mixture of sweet and vinegar with a hint of heat.
* Kansas City Style Barbecue Saucehas a rich, thick, dark tomato-base that is sweetened with sugar or molasses, with a touch of heat also.
* Texas Style Barbecue Sauceis thinner than KC style with some tomato and is not as sweet. It is often used as a mop applied as the beef brisket is barbecuing, or poured over shredded pork. It is used often to moisten and flavor and is often passed around the table for dipping and pouring.

Regardless of the choice, you can usually find similar ingredients and prep methods for the Carolina sauces, and for the others. Carolina sauces usually have vinegar, cayenne, black pepper, salt and sugar, most often brown sugar. Incidentally, you can use a brown sugar substitute and still get the same result. You find the mustard added to the ingredients in mid and southern Carolina. Some of these are not cooked, but are mixed with shakers, and can be preserved for a couple weeks in the refrigerator.

For the Memphis, Texas and Kansas City sauces, you find oil, usually olive oil, onions, garlic, a tomato base, and some hint of heat. These start with caramelizing the onions and often the garlic in oil, before adding the other ingredients, and then simmering slowly until you have the thickness you want. Then you bring it to room temperature before refrigerating, and bring it back to room temperature before serving. These can be stored for a couple weeks in the refrigerator and can be frozen for up to four months.

To make it simple, this is what you do to make the barbecue sauce of your choice:

* Carolina barbecue sauce: Shake or cook ingredients together and store.
* Tomato-based sauces: Sauté, simmer, bring to room temperature, and store.

It’s fun to just experiment and develop your signature sauce, regardless of the kind and the kick. Some of the information I knew from my own efforts, and I have come to favor a Nebraska version of Kansas City style, and I also found some useful information from About.com in the “Grilling and Barbecuing” category. Mostly I perused my pile of cookbooks and cooking magazines to find my preferences. I was amazed to find that some of the same barbecuing recipes and methods were listed in my 1965 Farm Journal Pie Cookbook. Things don’t change; they just get better!

Don’t get caught without the sauce!

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Sep 21

Pet Food Charities On Hand To Help You Feed Your Animals

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Food prices are on the rise globally, cost of living on the increase and if you have a pet or two, we have the added burden of feeding them to. Like many people uncertain of the economy, I have started to economize and that includes on food for the dog, fortunately I recently stumbled across a charity that helps with my pet food bills.

Not only do such donation sites have food for your animals, they may also have pet supplements. A lot of animals need good quality nutritional supplements to maintain impeccable health. Vitamins and minerals are the supplements that some donation sites might provide, but being a charity, its not like walking into a store, supplies can be limited.

If you have an overabundance of dog food or cat food available, please donate it to a reputable donation site. Non-prescription, unopened nutritional supplements can also be donated. Brand new, non-prescription flea and tick medication and flea collars are good things to donate as well. If you don’t have any dog or cat food to donate, consider buying some in order to donate it to a charitable donation centre.

If you cannot locate a charity in your area, check outside the area you live in. Sometimes they aren’t very willing to donate to people that live outside the town or city that they are located in, but there are definitely some places out there that aren’t as finicky about what location you live in. If you have to travel many miles in order to get the free food and supplements, consider mentioning this fact to the person running the charity.

They may be willing to give you more food and supplements for your pet if they know the fuel costs involved in driving to their location. Be sure to thank the person or people who are running the charity for their community charitable work. Anyone who runs a donation centre to help feed animals is running a great program, and they deserve a lot of thanks for doing so.

If there is not a charity in your area, consider starting one yourself. Depending on where you live, you may need to get an official license from your state, city or township to run a donation charity. If you end up needing a charitable organization license, do make sure you are granted one before you go ahead with the donation centre plans.

Once you start running the facility, you will find that you need to seek out donations of pet food and other items. Some stores may be willing to donate cat or dog food to a charitable organization that helps feed the pets in their area.

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Sep 21

Bedroom Storage Schemes

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Keeping an orderly bedroom may be easy for some and difficult for others. The secret lies in having proper storage spaces. Following are some innovative bedroom storage schemes to clear your sanctuary of clutter.

Under the Bed Drawers

Most modern beds have drawers underneath. These drawers will be a great help if you put the proper items. What must go inside these under the bed drawers? Put the items that you do not use every day. Thus, keep your linens, bed sheets, pillowcases, blankets, duvet, drapes, curtains, rugs and carpets. This will make it easier for you to get these items instead of rummaging among your things if you have some guests who will stay for the night.

You can also group these items depending on the regularity of their usage. You can assign a drawer for all items that are regularly used and another for those that are used every 2 weeks or monthly. Labeling the drawers will be of great assistance, too.

If your bed does not have underneath drawers, then make use of storage carts with wheels for easy maneuvering.

Built-in bench with storage near the window.

You can have drawers or shelves underneath the bench. Best items to keep here are your shoes, old books that you still want to keep, light flimsy curtains and other paraphernalia. Put some cushions and throw pillows on the bench to make it cozier.

Locker or cabinet for accessories. This will be very functional and well-liked by the female sex. Of the two sexes, females have the most dress accessories. We have bags of different kinds, belts, scarves, hats, gloves, etc. Each of us has a pent-up fancy for a particular thing that we amass a number of these items. The problem is we just stack it inside our wardrobe and we spent hours looking for them. A cabinet that is specifically designed for these accessories will indeed put more order in our bedroom. Have clips to hang your bags and belts. Install plywood for your shoes. Have small hooks to hang your earrings and bracelets. You can also have a small drawer for your watches. Another shelf can be assigned for your perfume, cologne and make-up although this is not necessary if you have a dresser.

However, if you do not have this furniture, you can also have a mirror installed at the inner side of the cabinet’s door.

If you do some writing, office or homework inside your bedroom, make sure that you have a desk with drawers to keep your stuff. Have a table organizer to keep your pens, pencils, paper clips, stapler and all sorts of stuff that you use when working. Have a chair that has a small storage space underneath.

Modern furniture has come up with plenty of practical ideas to make them more functional. Modern beds have headboards that have fitted shelves to hold your books, alarm clock, etc. Some even have headboards that have headlamps and built-in side tables. Other modern beds have built in compartment nightstands that fuse with the bed’s design.

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Gear Kit 5th Wheel Landing Gear
Quantum Cart Storage Plastic Mobile Flat Top 40X26X32.5
20,000LB Heavy Duty Winch Snatch Block
THREE TRAY ROLLING TOOL CART
Industrial Grade 6YA39 Disc Magnet, Rare Earth, 7.0 Lb, 0.500 In
Ace Trading 10904004 Mushroom Garden Stool
ACU Digital Camouflage Replacement LC-2 Shoulder Straps – ALICE Field Pack LC2 Straps
Goldblatt G15149 Drywall Roll Lifter
Little Giant 10110 SkyScraper Ladder, 17-Foot
Highland 9010900 9
Rubbermaid 4520-88GRAY 2 Shelf Heavy-Duty Utility Cart
Pleasant Hearth CL-3000 Carlisle Fireplace Glass Door, Black, Small
WARN 65931 Series 15 Hydraulic Winch
Little Giant Ladder 10506-110 Legend Model 22 Type 1A 300-Pound Rated Ladder with Wheels
Radiator Specialty R722B Tarp Anchor And Tie Down Strap
Home Style BS2356SET Counter-Bar Stool- Set of 2
Tri-Arc KDSR112242 Ambassador-G 12-Step Steel Rolling Industrial & Warehouse Ladder with Grip-Strut Tread
Boraam 38525 24 in. Savannah Folding Stool in Black – Set of 2
OTC 1510B 10-Ton Service Jack
Winch Cable Stopper, Black, Rugged Ridge, Universal Application 15102.06
Werner 273-2 Type I Project Ladder, 3-Step 3-Foot
Pleasant Hearth CR-3400 Craton Fireplace Glass Door, Gunmetal, Small
Tiki Stool by Offi – White
Safco 4049NC Stow and Go Cart
Tricam 403-13 Skinny Mini 3-Step Stool ANSI Type III 200-Pound Capacity
Hailo 8934-001 L50-Model 225-Pound Capacity ANSI Certified Aluminum Ladder, 5-Foot
LIFT-RITE Titan 5500-Lb. Capacity Pallet Truck
WARN 61560 Snatch Block

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