Select automobile insurance company with good sense

The car insurance providers are in much excess nowadays in every single part of the world and that is the reason men and women simply don’t understand how to choose the very best business for them that provides the least expensive costs. The big suggestion that you can get from anyone would be to assess the auto insurance rates from many companies and don’t make a hasty purchase at all because you might have to rue if so. All companies have their set of regulations that ought to be analyzed effectively to discover virtually any discount option. Paying additional dollars on car insurance when you can get same thing for lower rate is not a smart action to take.

The things which modify the costs of the insurance coverage are just a lot of and each and every company offers a number of different principles for reasonable rates but some regulations are common just like if the driver is aware of the traffic rules adequately, they can be provided cheap car insurance plan packages. Other than that, you can also get the inexpensive charges of insurance if your auto condition is very good and you have a clear driving record in the past. These all factors come up together to offer you a very reduced rate automobile insurance cover.

Keeping these aspects in your mind, usually try to be as secure and also maintained at the road as you can. You may not understand these things right now but remember they’re several crucial guidelines that can cause you to get cheap insurance with car insurance companies in your locality. Do get the advantage, just in case you be employed in an extremely peaceful environment because best car insurance companies give low rate insurance to this kind of fellows as compared to those who perform quite stressful work. Make the most out of your working routine when you go to shop a car insurance coverage package.

There are many other things too that could be included within this article nevertheless to obtain more knowledge you should try to make use of search engines and in addition ask friends and family along with fellow workers too prior to shelling out funds for this.

Guidelines to learn Novoline Book of Ra

It is quite a known undeniable fact that web game playing has ended up being a fundamental element of the particular day today lifestyle for most which will help to reduce the strain from the life. There are several games that an person can certainly merely enjoy via on the web and one particular is online game is usually Novoline games and that has grabbed the consideration of the people featuring its thrilling game series. By far the most common series within the novoline games is known as the book of ra. There are actually numerous novoline game version readily available via the internet. The best thing about this specific thrilling online game is this : with the Book of Ra which may be accessed by way of on the internet can be played at everywhere at wherever either from the comfort of your home or office or even on travel. This particular game is usually totally based upon the Indiana Jones which will journey you to the ancient lands of Egypt to uncover the undetectable treasures as well as secrets.

That book of ra could very well be similar to a sort of Novoline slot machine game play which can be utilized because of internet. When you begin to try out it really is sure that you will definately get dependent on this gaming also it holds the same thrill along with excitement as just like you see along with casino game. A greatest worth of actively playing this game as a result of on the web is there presently exists additional possibilities of winning the game when comparing that of the playing in the land based gaming center for example a casino site.

Furthermore the Book of ra online at some point presents extra bonus offers a lot like what many gambling establishment site provide when individuals reach play in the game. Every time you come to deposit your money then you will get more bonus deals which will help to help the the possiblility to enjoy more as well as win extra games. However you will find there’s requirement that you should down load an application of this game which will undoubtedly help you to take part in the game through on-line right from the convenience of your own home. You can experience exactly the same excitement as well as excitement as enjoyed from the land based gaming machines.

Low-priced auto insurance quotes and how get one

Lots of people think that using on-line services with regard to looking at car insurance rates isn’t safe and sound but this is simply not true in any way since these kinds of companies are generally rightly linked to the insurance companies for that quote prices. They just don’t take any of their own commissions and not becomes in between you and theinsurance firm company. These sites show you the spot distinct information and don’t bring any results that are in anyway not associated with your needs. Making this not just a waste of time and initiatives and you should be very much certain about that.

These online comparison services of car insurance have pulled the insurance plan businesses to offer cheap car insurance rates because they know that the competition has got fiercer after these online comparison portals and people can now effortlessly realize which company is better in rates. It is a huge undeniable fact that makes the businesses to lower down these costs as much as possible, simply to attract more and much more online consumers. Finding cheapest car insurance programs is simply not a difficulty anymore and world is merely taking advantage of the advantages of internet as much as they are able to! Do try it out.

It was never before that folks could take such a wonderful benefit from a technology. Now they just have to sit down on the chair and carry out couple of clicks to get all of the information needed in no time. I mean there’s simply no waste of time, absolutely no waste of energy and simply the accurate results at your computer screen. What else one could wish for? This can be nothing less than a dream come true since you can earn numerous hard earned dollars through subscribing to low cost car insurance plans. Discover decent insurance carrier and then keep it going for long as you can get reduction in rates at end of every policy.

An accident is a big misfortune that you may have to take care of in life because accidents just happen so taking all the preventive measures before things get bad is a real requirement that you should be mindful about.

Casino Games Can Bring A Lot Of Earnings

If you’re a professional casino participant as well as visit the casinos over and over to have some fun and for income, yet don’t know how to participate in casinos on the web, you are no doubt totally wasting considerable time. Lots of the guys look really puzzled by the idea of online casino nevertheless believe me that is not a difficult subject whatsoever. Simply take assistance from engines like google and read how these online casinos work. You can also have a look at the home page of several casino websites to get a obvious idea about playing games at on the web casino.

Oftentimes, you may not discover the land based casino in close proximity to the vicinity and in that case nothing can be better than these online casino which not only save your time but additionally allows you to get free from all the troubles of discovering excellent casino around. Thanks to the net that has brought the casino games into our living spaces and the best thing is that every one of the casino games are available at these websites and several of these present bonuses and benefits which can be more enchanting compared to the conventional version.

If you’re a skilled bettor and want to play in VIP rooms, just don’t get worried because online casinos have also acquired high stakes area in your case. To put simply, there is nothing that isn’t offered by these web based gambling houses but looking at the reputation of these casinos is of large amount of significance because you never know when a fraud strikes anyone on the internet. Gratify yourself a good deal before deposit your initial money with all of them. This safety measure must be taken up to stay away from long-term regrets.

Many of the gambling establishments permit you to enjoy your 1st game without depositing any kind of initial funds. This is just one of those particulars features which make online types of casinos much better than those land based versions. Players are usually turning towards on-line casino also it seems like the standard casinos time has nearly finished.

Find least expensive auto insurance deal without delay

Motor insurance gives you supreme monetary security in case of any auto misfortune as well as guards you against a significant blowup but nevertheless men and women typically don’t really feel a lot comfy making payment on the premiums for these covers monthly and they also search for for cheap car insurance policies. The days are gone when you were needed to check out different businesses privately to look into the rates and find out what suits you best but that is without doubt a really boring process and can drive one to choose just about any high priced coverage, in case you don’t have enough time for evaluations.

However now the things vary. From shopping to making profits, simply every item has become on the web and same happens with car insurance. Folks have got amazing on the web automobile insurance comparison services which are extremely trustworthy and provide you comprehensive comparison of different automobile insurance quotes just after getting some standard data from you. This complete process is online and just ample to give cheap auto insurance rate. Don’t present virtually any untrue info as it can customize the comparison outcomes and can make you purchase something which is not inexpensive in the end.

Each business features some awesome discounts that are presented in case you match the particular requirements of the company. Just for an example, a few businesses are agreed to provide low rates to those guys that do very frantic work or perhaps at managerial positions and use mobile phones a lot while driving a vehicle. Thus, look at these types of rules well because you can get able to acquire discount rates. These web based services provide you with every chance of getting in contact with the organization that you pick quickly because they bring you all the contact information quickly. What else an extravagance car owner would wish for?

Car accident is an extremely huge misfortune that may move you to definitely the major condition of depressive disorders and that is why these businesses are generally right here to help save you from this sort of situation and you have got to start out from right now to act instantly before it becomes truly late.

Neglect Out from Significant Gatherings for Your Brand new Relationship

Which morning We once again? It is an issue that most people turn out wondering someplace along the lines in a very completely new rapport. That they eliminate ones own autonomy along with rule the scales within being anything at all its husband or wife prefers and requires not to mention get rid of their selves at the same time.

Account balance within a latest marriage can be just as crucial as debt in the remainder of yourself. A completely new union is a component you have ever had And this isn’t the single thing brings about up your lifestyle, and if you are ignorant this steadiness should be applied you may turn out spoiling an individual’s bond or maybe spoiling your wellbeing outside the marriage.

A different bond may require some extra notice nevertheless. It is not as simple as retaining an end bond that you have got ended up linked to for decades. You’ll want to spend more electricity on that particular person becoming acquainted with these, making a decision whether are worth considering, plus finding out all kinds of things regarding existence. You will also need to discuss your self plus your everyday living with each other. It may be depleting for you and uncomplicated to forfeit the involving the bond and the remainder of your way of life.

Here are some ideas to guide you keep debt that you witnessed at the same time insuring a good different connection.

As a substitute for dedicating all of the pleasurable to your own unique connection primarily, try and devote a quantity of one’s time every day to every one of facets of your life. That will feature instance designed for work out, breathing, mastering, get the job done, family group, associates an additional portion of yourself that you simply identify valuable and even enables you to feel sensible.

It won’t ought to be ruined in 60 minutes for any area. Doesn’t necessarily ought to be which means that tough. The time period allocated to each one neighborhood must be plenty of time to suit you actually. So if half an hour associated with being active is all you have to every single day towards actually feel contented afterward which can be just as good because devoting an hour with how to ask a girl out.

Just as alluring as it might be to avoid Grandmother Rhonda’s wedding because your brand-new significant other defintely won’t be invited, don’t. The regarding possibly not moving will probably be a great deal even worse for your requirements rrn comparison to the results of going.

In the event you start to stay clear of critical tasks you will continue to find that some sort of ebony sheep in the household or possibly among the mates. This will cause a rift somewhere between yourself and your family and in the end be responsible for angriness and cry derived from one of gathering or maybe the different. Which applies to function features besides other engagements that require ones work.

A period of time, days and nights, and also days apart from your brand new partnership will never get rid of partnership that may be only starting at. You can expect to feel better about all by yourself and your independence while you stand for use on your associates, home, and also original events not to mention demonstrate to them for you to health care.

In any completely new union a person’s habit would modification a little. You are going to come to look at latest places where you can brand-new diary for your personal days off as opposed to you had just before. But if everyone shed all away from your good old schedule you’ll come to get rid of excess many your best stuff during this process.

So often we say afterward within a relationship “I used to really enjoy likely furthermore there!Centimeter or maybe “I i have done that a ‘life was imple’!Centimeter and now we pass up some of those moments in your lifetime. Like whenever you are individual a person does what you should want to carry out plus appreciate! Don’t be managed by another person’s motivations or needs.

Auto insurance quotes: comparing them is usually fantastic

Do not worry if you don’t have your car insured and you’re thinking about that financial thunderstorm that will hit you in case your vehicle gets wrecked because you can insure your car right these days through an excellent insurance carrier. As a return, you don’t need to pay even a cent in case of car accident but of course you need to agree on set monthly premiums which depend upon the degree of cover you’re going to consider. Therefore acquire your vehicle an excellent insurance policy as early as you can.

Some businesses charge extra for your auto insurance bundle and also rates which can be not really the best thing. Your cash shouldn’t be squandered at all. In order to avoid getting yourself into pricey insurance plan bundles, always complete car insurance comparison as well as charges. This can be achieved online and also traditionally, through manually visiting different related companies in your locality. Not doing this can easily injure your monetary budgets and by the time you’d recognize this, it will likely be far too late. Don’t overlook checking out the particular in depth guidelines and also discount alternatives of the organization.\

Check out track records of the business to determine whether they handle all of the things timely or not. It’s really a lot of discomfort if the organization won’t get you significant following virtually any car wreck. All these issues contribute to the cover prices but usually try to look for an organization that offers best services and costs low as well. It is no doubt hard to find this kind of company yet compare car insurance quotes online of varied businesses to make this method simpler for you. Anyone don’t ought to depart the easiness of home to obtain a full understanding.

Why to get your self straight into quick economic anxieties when you are able to pre plan several things to completely remove these kinds of possible situation. You can not stop the particular incidents or the automobile problems nevertheless, you can perform something to keep your self pleased and allayed in the event that these things takes place.

Wall St slips, eyes Friday’s jobs report

(Reuters) – Stocks treaded water on Thursday after the previous day’s massive gains, but traders worried that recent strong data could set the market up for a selloff should Friday’s jobs report fall short of hopes.

Both the Dow and the S&P 500 dipped and the Nasdaq ended with a slight gain following Wednesday’s rally of more than 4 percent on an agreement from central banks to provide cheap dollar loans to struggling European banks.

Sentiment was underpinned by stronger-than-expected figures on U.S. factory activity, which came one day after private-sector payroll data also exceeded forecasts. Further gains could be sparked by a significant jump in November payrolls.

“At this point in time we are definitely building for a better payrolls number,” said David Lutz, a trader at Stifel Nicolaus Capital Markets in Baltimore.

The U.S. economy is expected to have added 122,000 jobs in November. Some investors think even a number slightly better than that from the Labor Department won’t be enough to justify more buying.

“I can’t believe people are getting excited about 150,000 (new jobs) four years into this economic malaise,” said Chad Morganlander, portfolio manager at Stifel, Nicolaus & Co in Florham Park, New Jersey.

Despite the importance of the payrolls figure, the market will still focus on the borrowing costs of euro-zone nations. Spanish and French government bond yields fell after well-bid auctions on Thursday, but relief may be brief with no solution for the euro zone’s debt crisis in sight.

The financial sector, the strongest gainer on Wednesday, gave back some of its gains. The S&P’s financial index .GSPF slid 0.95 percent.

“Until there’s a proper resolution among European policy makers, wild fluctuations in equity markets will continue forward,” Morganlander said.

The Dow Jones industrial average .DJI fell 25.65 points, or 0.21 percent, to 12,020.03. The S&P 500 .SPX lost 2.37 points, or 0.19 percent, to 1,244.59. The Nasdaq Composite .IXIC gained 5.86 points, or 0.22 percent, to 2,626.20.

All three indexes climbed more than 4 percent in Wednesday’s broad rally on heavy volume, with the Dow industrials gaining almost 500 points.

In the latest better-than-expected data, the pace of growth in the U.S. manufacturing sector picked up in November to its strongest since June and new orders rose, according to the Institute for Supply Management.

However, new claims for unemployment insurance rose last week in a reminder that any healing in the country’s battered labor market will be slow.

Barnes & Noble Inc (BKS.N) plummeted 16.3 percent to $14.59 on more than twice its recent daily average volume after it reported a quarterly loss. The bookseller was hurt by the cost for keeping competitive with Amazon.com Inc (AMZN.O).

On the upside, Yahoo Inc (YHOO.O) gained 3.3 percent to $16.23 after news that Blackstone Group LP (BX.N) and Bain Capital, along with Asian partners, were preparing a bid for the Internet company.

US Airways Group Inc (LCC.N) jumped 4.7 percent to $4.94 after Barclays Capital upgraded its rating on the stock. [ID:nL4E7N126E] An index of airline stocks .XAL rose 1.8 percent.

About 6.8 billion shares traded on the New York Stock Exchange, NYSE Amex and Nasdaq, below the current daily average of 7.97 billion shares traded per day.

Declining stocks outnumbered advancing ones on the NYSE by a ratio of about 3 to 2, and despite the overall gains on the Nasdaq just under 7 shares fell for every four that rose.

Embattled Cain says campaign plans rest with wife

(Reuters) – Republican presidential hopeful Herman Cain, battling allegations of infidelity, said on Wednesday he would decide whether to continue his campaign after a face-to-face talk with his wife.

While vowing not to end his candidacy over accusations he had a long-term affair, the former pizza company executive said a frank talk on Friday with Gloria, his wife of 43 years, would be a big part of a “reassessment” of his White House bid.

“I have talked to my wife many times since Monday about this situation. I have not talked to her about this face to face,” Cain told reporters after rallying supporters at his New Hampshire campaign headquarters in Manchester.

Once a frontrunner in the race to challenge President Barack Obama in 2012, Cain called recent reports that he had an affair with an Atlanta-area woman “character assassination” and “conviction in the court of public opinion.”

He has said he will decide within “several days” whether to stay in the race.

Earlier, at rallies in Ohio, Cain said most of his supporters were sticking with him despite the latest controversy, which came amid accusations he had sexually harassed a number of women. He accused his critics of trying to bring down his upstart White House bid.

“They want you to believe that with enough character assassination on me that I will drop out,” a defiant Cain said in Dayton, drawing a chorus of “boos” from the crowd.

Cain, who has denied the affair and harassment accusations, did not rule out other potential accusers emerging. “My career was in business for over 40 years. I have worked with thousands of people. I can’t possibly say that someone wont trump up another allegation. It just goes with the territory.”

Cain, 65, denies having an affair with Ginger White, who says their 13-year, on-and-off relationship began in the mid-1990s. He said he thought she was a friend and he was simply giving her financial assistance.

The candidate, who led the Republican race barely more than a month ago, has nosedived in polls after being hit by sexual harassment charges from four women and stumbling recently on the campaign trail.

He raised alarm among conservatives with confusing comments about abortion and badly fumbled a question on Libya policy.

A Reuters/Ipsos poll found Cain’s departure would do little to change the race, with his depleted support carved up among the field. Top rivals Mitt Romney and Newt Gingrich would gain the most, with bumps of about 3 percentage points each, while other contenders would pick up slightly less.

‘MORE CONVINCED’

The allegation of an affair came five weeks before Iowa kicks off the state nominating contests, giving Cain little time to resurrect his once high-flying campaign.

But he said on Wednesday there was “a groundswell of support” for his candidacy after White’s claims. The new disclosures have not sparked widespread defections.

Some of those in Ohio who came to hear Cain speak said they were willing to give the candidate a chance.

“I am more convinced than I ever was. I believed him and I am going to donate to him and vote for him,” said Christine Bolte, 46, a substitute teacher who is working as a cashier at Wal-Mart to help pay her bills.

In New Hampshire, which will hold a closely-watched primary contest in January, Cain said fundraising slumped the day the Ginger White scandal broke, but had started to bounce.

“As the week has gone on and this woman who has made these accusations has started to contradict herself, our fundraising has gone up,” he said.

White told ABC’s “Good Morning America” program that she remained in contact with Cain until last week.

“I’ve received gifts and money for the last 2-1/2 years, consistently,” White said, adding Cain also took her on several trips. But she said he sought nothing in return.

“This was not sex for cash,” White said.

ABC said White’s phone records for October and November show numerous text exchanges with Cain, including daily contact in early November as reports emerged of sexual harassment allegations from other women.

Scotland’s portrait gallery fulfils 120-yr-old dream

(Reuters) – Scotland’s National Portrait Gallery reopens on Thursday after a 17.6 million-pound ($27 million) renovation that finally fulfils the dreams of its architect when it first opened its doors 120 years ago.

It is the second multi-million pound artistic project to be completed in the Scottish capital this year – both on budget and on time.

The National Museum of Scotland reopened its doors in July in all its Victorian glory after a 47-million-pound makeover gave it a spectacular boost into the 21st century. The museum said more than a million visitors have passed through its doors since they reopened.

Portrait Gallery Director James Holloway and museum chief Gordon Rintoul both said the successful completion of the renovations was down to careful prior planning and sticking strictly to the plans and budgets.

This is in stark contrast to two other huge projects in Edinburgh: the Scottish national parliament which was years late and many millions over budget before opening in 1999, and a curtailed tram system under construction, which is also running years late and hugely over budget.

Gallery officials said the neo-Gothic sandstone building was the world’s first purpose-built portrait gallery when it opened on Queen Street in Edinburgh’s New Town in 1889 to the design of architect Sir Robert Rowand Anderson. But for more than a century much of the space was taken up as a museum store-house and offices, with art displays crammed into only a third of the building.

National Galleries director John Leighton told Reuters at a preview that the renovation had changed this dramatically.

“The portrait gallery now occupies the whole building for the first time,” he said. “We have opened the upper floors to provide 60 per cent more space.”

Holloway said the building had been “brought back to life… its life force is so exciting.” The number of galleries, including beautifully arched top floor spaces with natural light from ceiling windows, has jumped to 10 from only three, providing space for an additional 606 works of art.

The gallery’s collection comprises 3,000 paintings and sculptures and 25,000 prints and drawings. It also houses the national collection of photography with some 38,000 historic and modern photographs.

Seventeen new exhibitions run through the history of Scotland from the Reformation, the 18th century Enlightenment, Empire, modernity and the contemporary.

HP launches first products using Autonomy’s tech

(Reuters) – U.S. group Hewlett-Packard has rolled out its first software using technology gained from its $12 billion acquisition of British group Autonomy, eight weeks after the deal closed.

The new platform processes unstructured information, such as telephone calls, emails and video, and structured data in databases, making all forms of information searchable, HP’s vice-president of information management, Mike Lynch, said.

Lynch, who founded Autonomy, said on Tuesday the launch showed the rationale behind the deal. “We believe fundamentally that information is moving away from the rows and columns of databases, which has powered the industry for 40 years.”

HP has started selling Autonomy’s technology, used by governments and multinationals, to small and medium-sized firms, he said.

It acquired Autonomy as part of a shift toward higher-margin software that was accelerated with the arrival of former chief executive Leo Apotheker.

Shareholders were less enthusiastic about Apotheker’s changes, resulting in his ousting in favor of former eBay boss Meg Whitman in September.

Lynch said he was relishing the opportunities available as part of the bigger group and, even after pocketing hundreds of millions of pounds from the deal, he was sticking around.

Many other Autonomy employees also received large payouts.

Laptop Wi-Fi said to nuke sperm, but caveats abound

(Reuters Health) – The digital age has left men’s nether parts in a squeeze, if you believe the latest science on semen, laptops and wireless connections.

In a report in the venerable medical journal Fertility and Sterility, Argentinian scientists describe how they got semen samples from 29 healthy men, placed a few drops under a laptop connected to the Internet via Wi-Fi and then hit download.

Four hours later, the semen was, eh, well-done.

A quarter of the sperm were no longer swimming around, for instance, compared to just 14 percent from semen samples stored at the same temperature away from the computer.

And nine percent of the sperm showed DNA damage, three-fold more than the comparison samples.

The culprit? Electromagnetic radiation generated during wireless communication, say Conrado Avendano of Nascentis Medicina Reproductiva in Cordoba and colleagues.

“Our data suggest that the use of a laptop computer wirelessly connected to the internet and positioned near the male reproductive organs may decrease human sperm quality,” they write in their report.

“At present we do not know whether this effect is induced by all laptop computers connected by Wi-Fi to the internet or what use conditions heighten this effect.”

A separate test with a laptop that was on, but not wirelessly connected, found negligible EM radiation from the machine alone.

The findings fuel concerns raised by a few other research teams.

Some have found that radiation from cell phones creates feeble sperm in the lab, for example. And last year urologists described how a man’s sitting with a laptop balanced on his knees can crank up the temperature of his scrotum to levels that aren’t good for sperm. (See Reuters Health story of November 8, 2010, at reut.rs/gHmXpC.)

So between the heat and the radiation from today’s electronic devices, testicles would seem to be hard-pressed.

But that is not at all clear, said Dr. Robert Oates, who has managed to father two kids despite having both a laptop and an iPad.

The president of the Society for Male Reproduction and Urology, Oates told Reuters Health he doesn’t believe laptops are a significant threat to male reproductive health.

“This is not real-life biology, this is a completely artificial setting,” he said about the new study. “It is scientifically interesting, but to me it doesn’t have any human biological relevance.”

He added that so far, no study has ever looked at whether laptop use has any influence on fertility or pregnancy outcomes.

“Suddenly all of this angst is created for real-life actual persons that doesn’t have to be,” said Oates, also of Boston Medical Center.

According to the American Urological Association, nearly one in six couples in the US have trouble conceiving a baby, and about half the time the man is at the root of the problem.

While the impact of modern technology is still murky, lifestyle does matter, researchers say.

Earlier this month, a report in Fertility and Sterility showed that men who eat a diet rich in fruit and grains and low in red meat, alcohol and coffee have a better shot at getting their partner pregnant during fertility treatment. (See Reuters Health story of November 18, 2011, at reut.rs/v9bobG.)

“You should be keeping yourself healthy,” including staying lean, eating healthy foods, exercising, not taking drugs and not smoking, agreed Oates.

And for those laptop worries, he mused, “I don’t know how many people use laptops on their laps anyway.”

Analysis: Are Americans really shopping until they drop?

(Reuters) – One glance at the numbers for the first big weekend of holiday shopping and you might think Americans are flush with cash and spending it freely.

A survey from the National Retail Federation, an industry trade group, indicates that Americans said they spent $7.4 billion more from Thursday’s Thanksgiving through Sunday this year, compared with the same period in 2010. The news drove retail shares sharply higher and helped the U.S. stock market to rally.

But a deeper look at the data reveals it would be wrong to suggest that conspicuous consumption is back in any way. Experts warn that the report gives just a snapshot and should not be given too much weight.

“We just wouldn’t draw any firm conclusions from these numbers,” said Paul Ashworth, an economist at Capital Economics in Toronto.

Capital Economics has crunched weekly sales numbers from the International Council of Shopping Centers and found that holiday seasons that start strong tend to end weak.

In other words, consumers merely bring forward spending that they would have done later to take advantage of retailers slashing prices for “Black Friday,” the day after Thanksgiving that marks the beginning of the shopping season.

That would not be a surprise this year, with the unemployment rate stuck around 9 percent and wages struggling to keep up with inflation.

The spending data from the federation, compiled in an online survey by BIGresearch, showed that sales rose 16.4 percent overall. Inflation-adjusted hourly earnings, however, are down 1.6 percent in the 12 months through October and other figures indicate consumers have cut back on saving in recent months to keep up spending. U.S. consumer spending rose at an annual rate of 2.3 percent in the third quarter, the commerce department has said, while a different report showed that disposable income fell 2.1 percent over the same period.

Credit card use may well have made up the difference. A total of 27.3 percent of consumers surveyed by America’s Research Group said they used credit cards as their main method of purchase this weekend, up from 16.3 percent in 2010.

MasterCard said the number of transactions on its cards in the 24 hours known as Black Friday increased 17 percent from 2010. But what it did not say is how many of those transactions were made with credit cards and how many were on debit cards.

To be sure, declines in mortgage balances may have helped free up cash, as total consumer credit in the third quarter was 0.6 percent below the second-quarter level, the New York Federal Reserve said on Monday.

HOLIDAY ADJUSTMENT

One reason to be skeptical about the NRF data is that Black Friday appears to be a bigger event than it was even a few years ago. More stores participate and many opened at midnight or even earlier – during Thanksgiving Thursday – rather than waiting until 5 or 6 a.m. as they used to.

Those added shopping hours in peak season mean that year-on-year comparisons will be skewed.

And it could even distort the U.S. government’s measures of retail sales over the next two months, Ashworth said.

The monthly retail sales report, which includes sales of everything from clothing and cars to gasoline, is seasonally adjusted to strip out regular factors such as holiday shopping. But the government probably will not take changes in store opening hours or shopping habits into account.

Also, extra spending on gifts might have come at the expense of other spending, such as visits to restaurants.

“If people chose to spend more on holiday gifts but offset that by spending less on discretionary services like restaurants and movie tickets, the retail sales numbers will overstate the big picture,” Ian Shepherdson, chief U.S. economist at High Frequency Economics, said in a note.

Many experts expect consumers to go into a prolonged spending lull from now until close to Christmas, as they have in recent years.

“I think there is going to be hangover,” said independent analyst Brian Sozzi, who follows retail stocks. “You’re going to see that fatigue with the consumer.”

More data reports are already out or set to come that could help fill in the picture on consumer spending, but they have their own flaws.

ShopperTrak, which uses sensors in stores and malls to measure traffic and then interprets the data for retail clients, estimated that sales rose 6.6 percent on Black Friday.

But that data is based on only one day, a day that has become less important as more people shop on Thanksgiving Day or online.

Last year, the NRF and ShopperTrak put out post-Black Friday reports that painted vastly different pictures, with ShopperTrak showing a 0.3 percent increase in sales for Friday alone, while NRF showed a 9.2 percent increase in spending over the four-day holiday period.

In the end, the results for the holiday season were in between the two numbers, with November and December sales for retailers up 5.2 percent, according to NRF.

On Thursday, MasterCard Advisors will release SpendingPulse, a study that uses MasterCard payment systems data. But MasterCard also has to rely on estimates to come up with the non-MasterCard portion of payments.

And the data is not publicly disclosed until two days after it is released to MasterCard clients, who include buy-side analysts and retailers trying to understand consumer shopping trends.

About two dozen individual retailers will put out November sales figures this week and many will comment on Thanksgiving weekend.

But that is also a very limited sample, which does not include behemoths like discount behemoth Wal-Mart Stores Inc and electronics retailer Best Buy Co Inc. They happen to be two of the retailers cited as big winners this weekend by analysts.

And even that handful of retailer reports leaves out one big piece of information … the extent of discounting and whether that hurt profit margins.

If you are looking for that data, you will have to wait for February, when most retailers report fourth-quarter financial results.

“Black Friday strength is not particularly encouraging, as shoppers showing a greater appetite for bargains suggests tighter consumer budgets and greater risk to retailer margins,” Goldman Sachs analysts said in a research note.

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Expanded museum gives boost to Tel Aviv art scene

(Reuters) – Tel Aviv’s recently expanded modern art museum, with its dazzling new building no less an attraction than the art showcased inside, has given a home to hundreds of displaced Israeli works and helped boost the city’s cultural scene.

The new wing, designed by Massachusetts architect Preston Scott Cohen, has doubled the size of the Tel Aviv Museum of Art by 19,000 square meters (200,000 square feet) and lured a growing number of art fans through its new, triangular concrete and glass complex since its November 3 unveiling.

“There has never been an exhibit that fully reflected Israeli art, and now there is,” said the museum’s acting director Shuli Kislev. “Tel Aviv received a wonderful gift.”

The reason for the four-year, $50 million building project, she said, was to provide a space for the collection of Israeli art that was growing in the museum’s storage rooms.

Many of the newly displayed pieces include elements of Israeli society, from military conscription to the agricultural communes known as kibbutzim.

And alongside the locals, works by renown German artist Anselm Kieffer, which were inspired by Jewish faith and mysticism, make up a special exhibit for the new wing’s opening.

But perhaps as much a pull as the artwork is the building itself.

Individual, rectangular galleries are leveled around an 87-foot-tall, spiraling atrium known as the “lightfall,” where sunlight is reflected against angled walls from top to bottom. Visitors can see through the atrium to other floors and halls.

The museum is next door to Israel’s opera house and a short walk from both the Tel Aviv cinema and the national theater — which reopened this month after years of renovation, adding another spark to the country’s cultural hub.

Israeli video artist Shah Marcus said the museum’s addition brings tremendous exposure for him and his peers.

A four-and-a-half minute video of him driving through his hometown of Petal Tikva, waving like a celebrity from a convertible to indifferent pedestrians, is on display in the new wing.

“A lot of curators and art dealers have come to the museum, saw my work here and took it all over the world,” he said. “It is very important for the Israeli art scene.”