In Heart Land

A bad credit loan is usually the best option when you have a bad credit rating and are in urgent need of cash. Usually, the interest rate charged for this type of loan is higher compared to that of conventional loans simply because unsecured loans carry higher risk factors. These loans do not usually require any form of collateral even if the risks of lending them are higher. However, to reduce chances of running into losses, borrowers usually increase the repayment timeframe.

Most lending firms analyze a borrowers credit profile and the need for the financial aid before coming up with the best bad credit loan option and the interest rates to charge. It is advisable to always compare the different unsecured loan offers to get one that is affordable and has a low interest rate. Today, competition among lending firms has greatly affected the interest rates charged and you can be sure of getting good rates if you research carefully.

There are two types of Loans For People With Bad Credit; unsecured and secured loans. Secured loans usually come at fixed rates. This means the borrower has to make fixed payments for the amount borrowed throughout the servicing period. On the other hand, unsecured loans usually come with adjustable interest rates that fluctuate depending with the federal prime rates. It is advisable to go for loans with fixed rates since you will have a more manageable payment plan.

Lending firms use different criteria to come up with the interest rates to charge different borrowers.

• To begin, most of them will look at the type of job you have. If you have a temporary job, you will be charged higher interest rates because your risk factor is higher compared to that of a borrower who has a permanent job. Having a temporary job simply implies that you have temporary source of income.
• Lending firms will also look at why you need the loan. For example, if you are borrowing the amount to invest, you will be increasing the chances of repaying the amount and this can lead you to be given a lower interest rate. The purpose for which you are applying for the loan will either affect the rates positively or negatively.
• The value of your assets will also affect the interest rates charged. Whereas you will not necessarily have to avail any form of collateral when borrowing, lenders will always want to know of the assets you have when you are applying for a loan. If you have enough assets to cover the loan in case you fail to repay as agreed, then you can be sure of getting lower interest rates.

To get the best bad credit loan interest rates, it is important to research beforehand. Get as much information as possible about the loans available from different lenders. Being well informed is essential especially when faced with tough borrowing decisions.

JudeLaw LLC Now Offers an Economical Way for Consumers to File Bankruptcy $500 for Chapter 7 Bankruptcy
JudeLaw LLC a Denver based Bankruptcy Law Firm has launched an economical option for consumers to have the ability to file Bankruptcy at a low cost. You can file Chapter 7 Bankruptcy for only a $500.00 retainer. In today’s economy there is no reason any attorney should be taking unreasonable fees from a consumer having financial hardship.

Indian Premier League season five has seen some extraordinary performances by the bowlers so far. It is a format designed to favour the batsmen and the previous four seasons turned out to be the batsmen dominating season. The tournament is in its last two weeks and it has been the most open completion so far. As many as seven teams are fighting for the place in the playoffs and it is mostly because of the efforts from various bowlers.

The biggest topic of discussion in this IPL has been all the last over and last ball finish. But, one thing that people are forgetting that it is the efforts of the bowlers that is taking the match to the last ball. It has not been easy work for the batsmen and most they will agree to it.

Taking wickets is extremely important in all formats but stopping the batsmen to score quick runs is equally important in T20 format. There has been instance that a bowler who has not picked a single wicket has won the match for his teams because of his economical bowling.

Let’s have a look at the bowlers who have been the best when it comes to bowling economically. (Only the bowlers who have bowled more than 20 overs have been taken into consideration)

Sunil Narine (Kolkata Knight Riders): He has been the best bowler for Kolkata Knight Riders and is one of the major reasons why KKR is leading the points table. Narine has been a revelation and no batsmen till now has been able to read him. Narine’s economy rate is 5.30, which is absolutely brilliant. He is also in the race for the purple cap; KKR will be hoping that Narine can carry on with his good form.

Lasith Malinga (Mumbai Indians): No surprise here, Malinga is the best bowler in the world in T20 cricket and he has showed why. Malinga is the current holder of the purple cap and the best thing about him is that he is taking the wickets at a very good economy rate. Malinga has conceded runs at an economy rate of only 5.36.

Ankit Sharma (Deccan Chargers): No one expected him to make it to the list, but he has bowled well to get it in the list of the most economical bowlers. He beat the more experienced Dale Steyn and Amit Mishra in terms of the pace at which he concedes runs. He has been very effective with his slower balls and batsmen have found it hard to hit him. He has conceded runs at an impressive economy rate of 6.41.

R Ashwin (Chennai Super Kings): He has been one of the best bowlers in the history of IPL and he has been effective in this season as well. He has been struggling to pick wickets and has only managed four wickets so far, but his economy rate has been good. Batsmen always find it difficult to get Ashwin away and that reflects in his economy rate which is 6.43.

Muttiah Muralitharan (Royal Challengers Bangalore): Murali has not played all the matches for RCB and the only reason is that the other international spinner in the side is the skipper of RCB. Murali has been troubling batsmen from the past two decades and IPL-5 has not been different. Murali has got eight wickets from the five matches that he has played in and his economy rate of 6.5 is very good.

By Gaurav Jha
Indian Sports News

BELLINGHAM, Mass. and CANTON, Mass., May 8, 2012 /PRNewswire via COMTEX/ –
The National DCP, LLC (NDCP), the Dunkin’ Donuts franchisee-owned distribution and purchasing cooperative today announced that it had signed an agreement to lease a distribution center in Phoenix, Arizona. With a planned opening date of October, the Phoenix center will become the seventh warehouse in the NDCP network and the first located west of the Mississippi. Not only should the new distribution center, which will deliver essentially all food, paper and equipment supplies to Dunkin’ Donuts restaurants, better serve the existing locations in the Southwest, it will also facilitate Dunkin’ Donuts’ ongoing store growth.

In January of this year, the NDCP and Dunkin’ Brands, Inc.

/quotes/zigman/5986556/quotes/nls/dnkn DNKN
+0.64%

, the parent company of Dunkin’ Donuts and Baskin-Robbins, announced that they had signed a long-term, performance-based agreement for NDCP to be the exclusive supply chain provider for all Dunkin’ Donuts restaurants in the continental United States.

For Dunkin’ Brands, the agreement allows the company to realize the benefits of a long-term, performance-based procurement and distribution agreement. Additionally, the agreement supports the Company’s domestic expansion plans by providing franchisees in new markets with the same product costs as franchisees in the more highly built-out, established Dunkin’ Donuts markets. Uniform product costs will be phased in over a three-year period beginning in 2012.

“After a thorough search, we are proud to announce a new western distribution hub in Phoenix for our national network,” said Kevin Bruce, National DCP Chief Executive Officer. “As we continue to grow along with Dunkin’ Donuts, we plan to continue to leverage our network of local distribution centers to efficiently support our members, the Dunkin’ Donuts franchisees. Our mission is to provide Dunkin’ Donuts franchisees with the very best purchasing and distribution service in the quick service restaurant industry.”

“We are delighted to see the NDCP expand its distribution footprint in order to better support our existing and future franchisees,” said Neil Moses, Dunkin’ Brands Chief Financial Officer and company executive with responsibility for global supply chain. “This new center in Phoenix supports our goals to expand Dunkin’ Donuts footprint across the United States and to drive store-level profitability so that our restaurants can provide Dunkin’ Donuts customers with our great coffee and other beverages, baked goods and snacks at a great value.”

With almost 7,000 Dunkin’ Donuts restaurants in the U.S. today, the Company has said it has plans to more than double its current number of restaurants in the U.S. over the next 20 years.

In 2011, Dunkin’ Donuts opened 243 net new restaurants in the U.S. and has said it plans to open 260 to 280 net domestic Dunkin’ locations in 2012. The Company also announced in 2011 that it had signed Store Development Agreements (SDAs) in key western markets including Denver, Colorado; Houston, San Antonio and El Paso, Texas; Albuquerque, New Mexico; and Lincoln, Nebraska.

About the NDCP

The National DCP, LLC, is a member owned purchasing and distribution cooperative owned by Dunkin’ Donuts franchisees. Headquartered in Bellingham, MA, the National DCP is the exclusive purchasing and distribution entity for Dunkin’ Donuts restaurants in the continental US.

About Dunkin’ Brands Group, Inc.

With more than 16,800 points of distribution in nearly 60 countries worldwide, Dunkin’ Brands Group, Inc.

/quotes/zigman/5986556/quotes/nls/dnkn DNKN
+0.64%

is one of the world’s leading franchisors of quick service restaurants (QSR) serving hot and cold coffee and baked goods, as well as hard-serve ice cream. At the end of 2011, Dunkin’ Brands’ nearly 100 percent franchised business model included more than 10,000 Dunkin’ Donuts restaurants and more than 6,700 Baskin-Robbins restaurants. For the full-year 2011, the company had franchisee-reported sales of approximately $8.3 billion. Dunkin’ Brands Group, Inc. is headquartered in Canton, Mass.

Forward-Looking Statements

Certain statements contained herein are not based on historical fact and are “forward-looking statements” within the meaning of the applicable securities laws and regulations. Generally, these statements can be identified by the use of words such as “anticipate,” “believe,” “could,” “estimate,” “expect,” “feel,” “forecast,” “intend,” “may,” “plan,” “potential,” “project,” “should,” “would,” and similar expressions intended to identify forward-looking statements, although not all forward-looking statements contain these identifying words. By their nature, forward-looking statements involve risks and uncertainties because they relate to events and depend on circumstances that may or may not occur in the future. These risk and uncertainties include, but are not limited to: the ongoing level of profitability of franchisees and licensees; changes in working relationships with our franchisees and licensees and the actions of our franchisees and licensees; our master franchisees’ relationships with sub-franchisees; the strength of our brand in the markets in which we compete; changes in competition within the quick-service restaurant segment of the food industry; changes in consumer behavior resulting from changes in technologies or alternative methods of delivery; economic and political conditions in the countries where we operate; our substantial indebtedness; our ability to protect our intellectual property rights; consumer preferences, spending patterns and demographic trends; the success of our growth strategy and international development; changes in commodity and food prices, particularly coffee, dairy products and sugar, and other operating costs; shortages of coffee; failure of our network and information technology systems; interruptions or shortages in the supply of products to our franchisees and licensees; the impact of food borne-illness or food safety issues or adverse public or media opinions regarding the health effects of consuming our products; our ability to collect royalty payments from our franchisees and licensees; the ability of our franchisees and licensees to open new restaurants and keep existing restaurants in operation; our ability to retain key personnel; any inability to protect consumer credit card data and catastrophic events.

Forward-looking statements reflect management’s analysis as of the date of this press release. Important factors that could cause actual results to differ materially from our expectations are more fully described in our other filings with the Securities and Exchange Commission, including under the section headed “Risk Factors” in our most recent annual report on Form 10-K. Except as required by applicable law, we do not undertake to publicly update or revise any of these forward-looking statements, whether as a result of new information, future events or otherwise.

SOURCE Dunkin’ Donuts; National DCP, LLC

Copyright (C) 2012 PR Newswire. All rights reserved

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DNKN

Dunkin' Brands Group Inc.

US

: U.S.: Nasdaq

$
31.61

+0.20
+0.64%

Volume: 516,405
May 18, 2012 1:39p

P/E Ratio89.90
Dividend Yield1.89%

Market Cap$3.78 billion
Rev. per Employee$556,913

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DNKN

Dunkin' Brands Group Inc.

US

: U.S.: Nasdaq

$
31.61

+0.20
+0.64%

Volume: 516,405
May 18, 2012 1:39p

P/E Ratio89.90
Dividend Yield1.89%

Market Cap$3.78 billion
Rev. per Employee$556,913

Financial Glossary

Words used in this article:

ATLANTA, Apr 30, 2012 (BUSINESS WIRE) –
Holzer Holzer & Fistel, LLC is investigating whether the directors of
Books-A-Million, Inc. (“Books-A-Million” or the “Company”)

/quotes/zigman/68833/quotes/nls/bamm BAMM
-0.33%

complied with their fiduciary duties in approving the proposed
acquisition of the Company by its Executive Chairman, Clyde B. Anderson,
and his family. According to the Company’s announcement, if the deal
closes Books-A-Million shareholders will receive $3.05 per share of BAMM
owned. Mr. Anderson and his family already own more than 50% of
Books-A-Million’s shares, and the investigation seeks to determine,
among other things, whether the consideration to be paid to BAMM
minority shareholders is fair and adequate.

Current holders of BAMM common stock with questions concerning their
legal rights are encouraged to contact Holzer Holzer & Fistel, LLC and
its attorneys Michael I. Fistel, Jr., Esq., or Marshall P. Dees, Esq.
via email at mfistel@holzerlaw.com,
or mdees@holzerlaw.com,
or via toll-free telephone at (888) 508-6832.

Holzer Holzer & Fistel, LLC dedicates its practice to vigorous
representation of shareholders and investors in litigation nationwide,
including shareholder class action and derivative litigation. More
information about the firm is available through its website,
www.holzerlaw.com
and upon request from the firm. Holzer Holzer & Fistel, LLC has paid for
the dissemination of this promotional communication, and Michael I.
Fistel, Jr. is the attorney responsible for its content.

SOURCE: Holzer Holzer & Fistel, LLC

Holzer Holzer & Fistel, LLC
Michael I. Fistel, Jr., Esq., 888-508-6832 (toll-free)
mfistel@holzerlaw.com
or
Marshall P. Dees, Esq., 888-508-6832 (toll-free)
mdees@holzerlaw.com

Copyright Business Wire 2012

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BAMM

Books-A-Million Inc.

US

: U.S.: Nasdaq

$
3.05

-0.01
-0.33%

Volume: 24,107
May 17, 2012 3:59p

P/E RatioN/A
Dividend YieldN/A

Market Cap$48.78 million
Rev. per Employee$78,087

Financial Glossary

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“Sports enhance personality, teach respect and increase one’s quality of life,” says Neal Takamori, McKinley athletic director. Being active and exercising every day helps support the body’s
health and performance. At McKinley, we have 20 different sports that students
can take part in.

Students involved in sports are always moving around. This helps circulate blood throughout the body, lets more oxygen get to the brain and makes the person more alert to their surroundings. The body also develops stronger muscles and bones and the immune system increases

in strength. One will not be as prone to illnesses and have the ability to maintain his/her appropriate weight.

Partaking in physical activities also gives students a way to relieve stress and reduce depression. From families.com, students who participate in sports are more likely to succeed in academics and graduate from high school. They are also more likely to not take drugs or smoke because they realize the negative impact it would have upon their performance.

The social benefits are that students will be able to meet new people that share similarities with them. Everyone will have to work together in a sport. Students learn how to communicate with

each other in order to achieve their desired goal, like going to OIA championships. Students also gain self-confidence, self-esteem and discipline. These qualities help students handle defeat and victory in acceptable manners and show good sportsmanship.

According to the President’s Council on Physical Fitness and Sports, one gains personal rewards from playing sports that can last a lifetime. One learns the value of working hard to reach a desired goal, the importance of picking one’s self up after falling down and just enjoy
his/her time out there when playing with teammates.

The Fifty Shades of Grey phenomena is sweeping the nation, with the newly-released trilogy (the accompanying books Fifty Shades Darker and Fifty Shades Freed) – erotic romance novels written for women, by a woman who claims this type of fiction helped her deal with her own mid-life crisis. The books started out as self-published works by author EL James, became a sensation, and hit the New York Times Bestseller list.

(PRWEB) April 30, 2012

The Fifty Shades of Grey phenomena is sweeping the nation, with the newly-released trilogy (the accompanying books Fifty Shades Darker and Fifty Shades Freed) – erotic romance novels written for women, by a woman who claims this type of fiction helped her deal with her own mid-life crisis. The books started out as self-published works by author EL James, became a sensation, and hit the New York Times Bestseller list.

Sex and relationship therapist Dr. Bonnie Eaker Weil says women are piggybacking positively on the material from the book. Many women do an additional 30 hours of work in the home, beyond their careers, she says. Add to this that a quarter of women are the main breadwinner, but men are happier if they are earning more – and you have a recipe for tension and stress in many homes.

Women are frequently burnt out, overworked, and have difficulty sleeping because of the stress. For this reason, they need guilty pleasures to help them stay more balanced. Dr. Bonnie says these books are a great alternative to stress eating or drinking; its a way of fantasizing and over-correcting for the additional work theyre doing. Its helping women who have been supermom to sublimate their feelings of overwork and burn out while catering to their need for sizzle, novelty, excitement, romance which is missing in many relationships. Who has the time? (But theyre making the time to read the book, so why is that?)

To that end, Dr. Bonnie says these books can actually help couples bring back the missing romance and magic. In her books Can we Cure and Forgive Adultery, and Make Up Dont Break Up, Dr. Bonnie talks about the importance of womens fantasies and guilty pleasures. Instead of simply identifying with the woman in the book, advises Dr. Bonnie, why not act out some of those fantasies and guilty pleasures – and have an affair! But with your own partner! The best thing for burn-out and stress-busting is sex!

Because of this, Dr. Bonnie feels this series can actually help prevent adultery. Have an affair with your own partner! she encourages. Some of my patients are even reading excerpts of the book to their husbands so they can act out scenarios.

To build intimacy Dr. Bonnie suggests starting with a 30 second kiss or 20 second hug as a pre-requisite for foreplay. Stress that women are under causes hormonal changes that require soothing such as a 20 second hug or 30 second kiss – and sex. No matter how the book impacts women, Dr. Bonnie reminds them that its important to restore the sizzle and magic of a relationship; having an affair with their own partner can be a great way to do so.

Dr. Bonnie talks more about these techniques in her book, Adultery the Forgivable Sin, which was made into a movie with Kate Jackson. She was also featured in the documentary Unfaithful which aired on Discovery Health and the Oprah Winfrey Network. http://bit.ly/GSP0KB

To learn more about Dr. Bonnie, click here: http://youtu.be/BjrqJoWX3K4; She also discusses infidelity (http://bit.ly/I8N7rX) and stress and sleep: http://youtu.be/A2ZmcpuP1j0

For the original version on PRWeb visit: www.prweb.com/releases/prweb2012/4/prweb9449383.htm

Never Too Old to Pla is this year’s theme for Older American Month 2012. 

#13;

Here at the North Andover Senior Center we continue to recognize and celebrate the value the older adult brings to our community. Their participation in social, creative and physical activities offered at the Senior Center has proven health benefits, including retaining mobility, muscle mass, and cognitive abilities.

#13;

The spotlight is on the role the older adults play in sharing their experiences, wisdom, understanding and passing that knowledge to other generations in a variety of significant ways.  Studies show the older adults  who interact with families, friends, and neighbors across generations enrich the lives of everyone involved.

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Family members who had a significant relationship with a grandparent or an elder noted that these relationships helped them to shape their values and life choices and also gave them a sense of identity and roots.

#13;

Please stop by the North Andover Senior Center and see our kite fly exhibit?  Remember you are never too old TO PLAY.  Kites on loan from Zolton Szabo from all over the world.

Here are some of the special events that will be happening during Older American Month.

#13;

Join us on Wednesday, May 16, at 5 pm for a presentation of the 2012 National Award of Excellence. This award was given by the National Institute of Senior Centers for recognition for work done by the North Andover Senior Center and the Merrimack Valley Memory Support Coalition in creating a support group for Early Stage Alzheimers’ and their care partner.

#13;

FREE PASS: Stop by the Senior Center and receive one free fitness pass for the class of your choice. Joy of Exercise, Strength Training, Tai Chi, Zumba Gold, Zumba, Zumba Fitness, Yoga.

CHELSEA

May 9

Student transportation, tower on board agenda

By Mechele Cooper mcooper@centralmaine.com
Staff Writer

CHELSEA — Continuing transportation options for students to attend multiple high schools and selling the towns cell tower lease are among the issues selectmen will discuss tonight.

Researchers looked at 299 adults with a mean age of 78 years and asked participants to quantify how much walking they did in one week. Nine years later, after comparing baseline brain scans to updated scans, researchers found that participants who had walked a greater amount of miles weekly maintained more of their brain tissue. (People tend to lose brain volume as they age.) Researchers noted that walking six to nine miles per week was necessary to detect differences in brain volume. Longer distances did not result in significant differences.

The study concluded that: Greater gray matter volume is associated with physical activity in a period of life in which cortical deterioration and risk of dementia is greatest.

In another study published online last month in the journal Neurology, researchers found that higher levels of total daily physical activity may protect the brain from Alzheimers disease.

Michal Schnaider Beeri, a rehabilitation psychologist at Mount Sinai School of Medicine in New York, said in an interview that this study is significant because it measures the intensity of both fitness and routine daily activities — from jogging to card playing to washing dishes — using an actigraph wrist device. Beeri said the objective measure of the wrist device is more accurate than self-reported information used in most studies.

The study used data from 716 individuals, average age of 82, without dementia from the Memory and Aging Project. Participants wore the actigraphs on their wrist for 24 hours a day for up to 10 days to determine levels and intensity of total activities. About four years later, researchers found that 71 subjects developed clinical Alzheimers disease.

Researchers said that participants in the lowest 10 percent for physical activity were more than twice as likely to develop Alzheimers disease compared to those in the highest 10 percent.

The results show that all levels of interaction are beneficial — though the more intense, the better, says Beeri, who was not part of the study.

If youre active — if you cook, talk with your hands, push yourself in your own wheelchair — even if you have mobility limitations because of arthritis or other conditions — activity is going to help decrease the risk of Alzheimers compared to if you didnt do anything, says Beeri who wrote an editorial about the study.

Staying active is important even if a person develops physical limitations or memory impairment, says Dr. Peter DeGolia, director of the Center for Geriatric Medicine at University Hospitals Case Medical Center. You may have to change what you do, but you should do something.

Exercising the body and mind is equally important, he said. Start slow and gradually build physical activities into your daily schedule. That is critical.

If balance issues prevent you from biking, lift small weights or get out and walk. Take the stairs instead of the elevator. Try tai chi to improve balance, he said.

Retired teacher Dorothy Gore, 70, of Solon, says she feels the benefits of a 45-minute exercise class three days a week that includes aerobics, muscle toning, resistance training and stretching. After going to class, I can tell the difference in my everyday routine. My joints arent as stiff. Its what she needs, especially on the days when she takes care of her young grandchildren.

Personal trainer Christie Cox, who conducts fitness classes for senior citizens at the Solon center, recommends finding a fun exercise or activity — such as line dancing. That way you wont dread it and youll stick to it.

To keep life interesting, choose an activity that involves the mind and body, says Cox, who leads a weekly two-mile nature walk.

Those who are apprehensive about a group activity may want to start by mall walking or using an exercise video at home, she suggests. Then when you feel a little more in shape, look for a class at a local fitness or community center. Meeting other people could mean new friendships and camaraderie, she says. Community is an essential aspect of keeping physically and mentally alert.

Health advocates agree that physical activity is good for everything.

Its beneficial to the quality of life, combating heart disease and reducing the risk of falls, disability and depression, Mount Sinais Beeri says. Theres not much risk to staying active, and you have nothing to lose and everything to gain.

FORT SMITH, Ark., May 9, 2012 /PRNewswire via COMTEX/ –
Arkansas Best Corporation

/quotes/zigman/68396/quotes/nls/abfs ABFS
+0.23%

will appear at the Bank of America Merrill Lynch 2012 Global Transportation Conference in Boston, Massachusetts, on Thursday, May 17, at 10:10 a.m. ET. Michael E. Newcity, Vice President – Chief Financial Officer, will speak on a panel entitled “Walking the Volume/Pricing Tightrope.” The live program will be webcast (in a listen-only mode) and an archive will be available following the presentation.

To access the live audio, please go to the company’s website at arkbest.com. This presentation will be archived through June 15, 2012.

Arkansas Best Corporation, headquartered in Fort Smith, Arkansas, is a freight transportation services and solutions provider. Through its various subsidiaries, Arkansas Best offers a wide variety of logistics solutions including: domestic and global transportation of less-than-truckload (“LTL”) and full load shipments, expedited and time-definite delivery solutions, freight brokerage, oversight of roadside assistance and equipment services for commercial vehicles, and household goods moving market services for consumers, corporations and the military. More information is available at arkbest.com and abf.com.

Contact: Mr. David Humphrey, Vice President Investor Relations and Corporate Communications Telephone: (479) 785-6200

SOURCE Arkansas Best Corporation

Copyright (C) 2012 PR Newswire. All rights reserved

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ABFS

Arkansas Best Corp.

US

: U.S.: Nasdaq

$
13.04

+0.03
+0.23%

Volume: 366,160
May 16, 2012 4:00p

P/E Ratio1,552
Dividend Yield0.92%

Market Cap$331.27 million
Rev. per Employee$191,354

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