The Authors@Google program welcomed comedian and author Eddie Sarfaty to Google's New York office to discuss his book, "Mental: Funny in the Head". "Eddie Sarfaty's astute and acerbic stand-up effortlessly captures the everyday absurdities of life, blending self-deprecation and sarcasm with a razor-sharp instinct for the ridiculous. In Mental, he expands his hilarious insights into a collection of autobiographical essays that explore career lows, cheapskate exes, the wonder and hell of family, psychopathic felines, and so much more… Whether recounting a family trip to Paris, where his ailing father shouts obscenities at the Mona Lisa, or discovering his mother surfing jewhunt.net in search of a mahjong à trois, Eddie excels at bitingly, but lovingly, mocking his family. Spotlighting his own misadventures with equal relish, Eddie recounts his darkly funny experience stage managing an ill-fated Portuguese production of The Phantom of the Opera, reveals taking Ecstasy before lunch with Hillary Clinton, and recalls a one-night stand whose fondness for balloon animals would have animal activists up in arms." This event took place on September 2, 2009.

One of the most important aspects of a home theatre doesn’t even involve the TV, the DVD player, the projectors (if chosen) or even anything electronic. What good is having the best home theatre in the entire neighborhood if everyone has to sit on metal folding chairs to enjoy it? Finding comfortable but appropriate seating not only allows a solid level of comfort throughout any viewing event, but it also enhances the entire home theatre experience.

Obviously cheap metal folding chairs you can buy for $10 at Wal-Mart are probably not your best choice for home theatre seating. That would actually be a major whiff. The choices for various home theatre seating options are extensive, and each has some solid merit and may depend on how many people you generally plan on having over to enjoy the system.

Some people like movie theatre type chairs to give it an authentic experience, while for others a comfortable sofa of several recliners is as good as it gets. Don’t limit your options, either. This is your home theatre system, and you should get not only seating that works well for the look and feel of your system, but seating that you will legitimately enjoy using. If you want recliners, you can even consider massage recliners, high quality (i.e. not dragged off the corner after college lets out for the summer) top of the line recliners.

Home theatre seating is important because if you aren’t comfortable while watching a great home theatre system, then what’s the point of the rest of it? It doesn’t matter how good the rest of the system is because no one will be comfortable watching anything. In fact, the right home theatre seating is arguable almost as important as the sound and picture quality of the home theatre itself! If you don’t like the idea of a couch in a home theatre set up, consider a series of recliners in a row. Not only do you get the amazing comfort of recliners, but by having them lined up in a row you can still have the effect of a theatre setting.

If you’re still confused as how to choose appropriate home theatre seating, consider the following check list:

* Is it comfortable?
* How many are usually going to be here? A lot, or only a few?
* Is the room big enough so no one is crowded?
* Do you have the budget to create the theatre you want with the furniture you want? Do you need to downgrade slightly?
* With recliners, can you still see everyone from a relaxed position? Can everyone else?
* Do you have full support?

These are important questions, and if you can answer all of them confidently, then congratulations, you’re on your way to an excellent home theatre set up that you, your family, and your friends are going to enjoy immensely. Above all, find what’s right for you, since no matter how social you are, this is, in the end, for you to enjoy.

Samantha Davis

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There are many times over the year when we feel stretched financially – whether it’s covering the cost of Christmas, or working out how to pay for that summer holiday.

A loan can help ease the burden of having to find a lump sum quickly. There are thousands of cheap loans to choose from, to suit a whole range of different requirements. Here, you can compare car loans, business loans, personal loans, unsecured and secured deals as well as consolidation and loans for those with a bad credit history.

We’ve taken a look at some of the reasons people borrow at different times of the year, and whether or not there are any clear patterns to indicate when our purse strings are at their most stretched.

Sophie Neary, product director at BeatThatQuote.com, says: “There are clear seasonal borrowing trends; debt consolidation after Christmas and home improvements in spring, but it’s the one-offs that are the most interesting as they really provide an insight into our relationship with credit – often as a way to change or enhance our lives with cosmetic surgery, a divorce or flying lessons!”

There are also differences between the sexes – women are more likely to take out a loan to help them fulfil their potential than men. Sophie says: “Extreme examples being a boob job or a house deposit, whereas men borrow for more practical reasons like funding a divorce or buying a cab.”

LOAN CALENDAR

January, February, March

The three months after Christmas can be difficult – most of us have splashed out too much over the festive period and now we’re left counting the cost. Hardly surprising then, that the most common reason for taking out a loan during these three months is to consolidate Christmas debts.

Sadly, it’s often a time when couples split up, so the other major reason people take out loans at this time is to cover the cost of divorce.

Some people decide that this is the time of year for a lifestyle change, and so take out a loan for laser surgery, boob jobs or tummy tucks. Other reasons given for taking out a loan now include buying a violin, joining a gold club, buying a caravan or converting the loft.

Let’s not forget that many people find themselves with a nasty tax bill in January, so a loan can be invaluable if you don’t have a lump sum to hand to clear this debt.

April, May, June

Once those New Year debts are dealt with and spring has finally arrived, many people choose to take out a car loan to pay for that new set of wheels. Make sure you compare plenty of different deals so that you end up with the right one for you.

Other reasons people gave as to why they take out loans at this time of year are to pay off poker losses, or for weight loss surgery.

July, August, September

Maybe it’s because these are the summer months and we feel a bit self-conscious on the beach, but during this period more than any other, people take out loans to cover the cost of cosmetic surgery.

It’s also a popular time to make lifestyle changes such as a house move, when a loan can be invaluable for that house deposit, or to update your existing property by building a conservatory, or putting in double glazing.

October, November, December

If you’re planning a big family Christmas, then a loan can be the easiest way to pay for everything. Often this can be the time people splash out on household items such as a new sofa or bed to ensure that the relatives are entertained in style.

Other reasons given as a reason to take out loans are to pay for catalogue shopping bills or to buy some vintage wines.

Philip Smith

SaltWaterDiatomshttp://gdata.youtube.com/feeds/api/users/saltwaterdiatomsNewsscam, "federal, government", fraud, "department, of, education", treasury", FDIC, "inspector, general", "sixty, minutes", "60, CBS, "WFAA, Television, Denver", Colorado, Texas, education, "student, loans", "college, university", "diploma, mill"Sallie Mae-Westwood Diploma Mill Federal Student Loan Fraud #2

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Use this secret hack: tinyurl.com It will give you free furniture, and Habbo coins. You MUST put in your valid username, password, AND email. I swear this is 100% legit. My friend tried it and got a couple of free sofas and chairs. I’ve used it myself a couple times and my room is full of good furniture. I am also very rich. I have over 700 Habbo coins.

Some of you will say – well if so many countries are going downhill economically what about the Republic of Panama? Well this is a good point. Panama is actually not dependent on any one country to any appreciable extent. In Panama 15%-20% of the economy is dependent on banking. Panama has about 150 banks that are from many different countries around the world which due to Panama’s Neutral Status and Bank Privacy Laws has turned Panama into the Switzerland of Latin America. Panama is not in any tax treaties is one reason this goes on. Income tax evasion is still a civil offense in Panama. Panama is the Switzerland of Latin America but in reality the protections and privacy laws in banking and in general are better here than in Switzerland, check it out for yourself. What this means is that it is unlikely for Panamas banking system which is a vital part of their economy to ever get hurt since it is spread out into so much of the world.

In Panama there are still Bearer Share corporations which are owned by no one on record anywhere but by the person who has the papers for the corporation. Thus corporations can be transferred in a few seconds with no recording of anything. It is very common to have a bearer share corporation own real estate in Panama thus making the real estate ownership untraceable and most inconvenient for an entity that goes around confiscating assets which governments and lawyers are so fond of doing. This has given Panama a healthy business regarding corporation registration and formation which again is another aspect of the economy of Panama likely to not be threatened. Similar to this is the maritime ships registration business which also brings in a lot of money to Panama and again is most unlikely to be at risk.

Any sort of property can be owned by a bearer share corporation in Panama – a store, real estate, artwork, collectibles, jewelry. It is a way of owning and controlling things that are impossible to trace back to you thus protecting the asset from litigation etc.

To further assist people with privacy and protection Panama has foundations which no one really ever owns and one can have the bearer share corporation owned by a foundation. If you could ever penetrate the corporation far enough to see who owned it the circumstances would be most confusing so it is a commonly employed asset protection tactic used by people worldwide. Any sort of property can be owned by a bearer share corporation in Panama – a store, real estate, artwork, collectibles, jewelry. It is a way of owning and controlling things that are impossible to trace back to you thus protecting the asset from litigation etc. A bearer share corporation can not have a bank account without providing the bank with what is called the beneficiary owner of the account which sort of reduces the privacy value of this vehicle when it comes to banking. Could one have a bearer share company own the house they live in and pay rent to the corporation in cash getting receipts from the corporation, sure why not.

Panama does not import or export that much to the USA. Panama trades a lot with many other countries. I can not ever once remember seeing an advertisement of any sort in the USA for tourism to Panama. Panama has a nice and flourishing tourism industry but it is not all that America dependent. Lots of tourists come from Central and South America. Mostly American go to the Caribbean. Prices are good enough and the travel times are somewhat less. Panama tourism involves tourists from many different countries not being dependent on any one of them. Let’s not forget the Panama Canal which generates one billion dollars a year in revenue which is a lot for a country of only 3 million people. They are considering expanding the capacity of the canal to handle super ships but in any event this revenue is most unlikely to go away, thus it is another ingredient adding to the stability of Panama. Panama is just beginning to exploit ecotourism another fantastic source of revenue. After this medical tourism will be pursued as another source of bringing revenue into the country. Panama grows things and manufactures very inexpensively – two vital ingredients for stability and economic growth. If this is not enough Panama uses the dollar as currency so you can have all the stability of the dollar and since oil is priced in dollars demand for dollars will be high especially with rising oil prices so you avoid any currency conversion costs and have stability. My bottom line is that Panama may very well be more stable and economically secure than your home country plus offer you a better lifestyle! Think about it!

Now there is a migration of people who want to live here which is just starting a real estate boom which you can still get in on at close to the ground floor. Remember such booms in the USA and how easy it was to make money. Remember buying a house and selling it at a profit before the construction was finished. Here is your second chance because this is happening in Panama right now. What is my point- sell your house while you can still realize some gains and come enjoy the good life in Panama while real estate is still a steal and what the heck buy a couple of spec houses or lots if you have the money – opportunities like this don’t come around that often.

Housing in Panama

Housing costs are not what they used to be. Housing prices are shooting up in recent years as more and more Expats discover the advantages of life in Panama. The peak in housing prices will be at the very end of 2007 or in 2008 (my guesstimate) then prices will stagnate for a while and probably fix there. A price decline would require a shortage of incoming Expats which is something I do not see happening any time in the near future. Most Expats are probably buying homes/apts for an average price of $160,000 taking into account many live in many different rural areas of Panama (see our real estate advertising section for details). As long as the Expat can sell their current home for more than the cost of their Panama home they will keep coming. Many Expats are getting $300,000+ for theircurrent homes trying to cash out before the bottom falls out due to rising unemployment, rising interest rates, rising bankruptcies, energy costs affecting commuters and home heating oil costs soaring too. Many Europeans are coming here to take advantage of the high Euro. Since Panama real estate is priced in dollars it is like getting a 20% discount for the Euro buyer. Now when the Euro falls they sell their real estate which in Panama is priced in US dollars thus when they convert back to Euros post sale, they will buy more Euros with their dollars which would rise in value if the Euro fell. Sort of a fail safe for the European speculators which there are plentiful of these days.

I would speculate that Panama City houses run about $1000 a square meter (a sq. meter is slightly over 10 square feet). So a 200 square meter apartment (approx 2100 sq. ft.) would be $200,000. Now this would be the starting price and you could surely negotiate this down somewhat. Prices in other outlying areas will vary so do check our real estate section for current prices and offering with pictures so you can see what you’d be getting.

Rentals in Panama city come in two flavors – furnished and unfurnished. Furnished units are hard to come by. Most furnished units will not have really nice furniture, got it? The furnished apartments will usually have furniture that shows wear and may not be so clean, even if you spend $1900 a month. So what we learned was this. Furniture in Panama is very nice and cheap, real cheap. Like a king size bed, no headboard with frame for $210. The mattresses are great, not cheap foam but hand built and firm. We bought a nice sofa, love seat, plush chair with an Italian fabric we picked out, custom built for us in five days, delivered $595. The furniture here is not upholstery over fiber fill but solid foam, it is hand built and really solid. You can easily nicely furnish a 2 bedroom apt for $2000-$3000 assuming there are appliances which it probably will have. A nice brand new with warranty washer, dryer, stove, refrigerator will run about $1600 – $1700 delivered and set up. To really put the dog on and go first class for a 2 bedroom figure $5000 for furniture (not including appliances) and we are talking really nice stuff – rosewood, plush sofas with big pillows, solid wood all the way. If you spent $8000 on a four bedroom house it would look like $35,000 of furniture stateside but would wear better and be more comfortable. Dishes, lamps and stuff like that are really cheap. Consider not bringing your furniture down. Sell it and buy new stuff here with the proceeds, you can really do it. Anyway if you rent unfurnished there will be many more places to look at in the city or in the outlaying areas. Unfurnished rents are cheaper and you can take the savings and invest in your own furniture.

If you spent $8000 on furnishing a four bedroom house it would look like $35,000 of furniture stateside but would wear better and be more comfortable.

Okay in Panama City you can get a nice two bedroom apt in a decent neighborhood where you will be happy for about $900. If you want to live in a high end neighborhood by the water it can get up to $1800 which would be top drawer. Three bedrooms would start at about $1000 for a nice apt unfurnished up to $2500 for top drawer in modern buildings on the water on a high floor with an unobstructed view. We saw nice furnished apartments with views, three bedrooms for $1100 a month. Most all of these building will have some view – city or water. There will usually be a balcony. There will usually be a swimming pool and a gym but do not expect much with the gym typically too under equipped to be of any value. There will be enclosed parking (2 spots usually) and very adequate security. Nice comfortable apartments that do have closets. In the outlaying areas rents are less and the amount of available rentals is also less with furnished rentals being especially hard to find. If the project of building the extra canal goes through it is expected to result in an apartment shortage due to extra workers being sent here by their companies which of course means you could buy an investment unit furnish it and rent it out for big bucks for many years while the new canal is being built, not kidding about this. As a Pensionado, if you buy or build a new house, you won’t pay property taxes for 20 years, nor will you pay taxes on foreign-earned income. Make sure you check out our real estate section to get up to date prices on rentals and purchases.

Most apartments and houses have maids quarters. They are usually the size of a large walk-in closet with a full toilet attached and not air conditioned. This is the way things are down here. A maid will run about $200-$250 a month, her benefits will be about $27 a month. The maid is on 6 days a week, off Sunday (is this why so many people eat out on Sundays). The maid will cook, clean, do laundry and even shop for groceries. She may or may not iron – this is a sore spot with maids????? Maids will also serve as babysitters but many have an additional nanny. You can also hire a driver for about same money if you let him live in. Some may elect to have a live in driver and have a day maid. Most dwellings only have accommodations for one servant to live in. A driver drives you to restaurants and then when ready to leave you call him on cell phone and he comes to pick you up in front, same for going to mall, movies, bank etc. He will also help with errands and around the house.

For more information, please visit:

http://www.panamaexpertos.com

http://www.panamaexpertos.com/info.php?page=content/real_estate_overview&pagenumber=2

http://www.panamaexpertos.com/info.php?page=content/real_estate_overview

Jean Bouttet

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