Tuesday, July 31, 2012

Philadelphia Real Estate Investment Properties - JG Real Estate

When deciding to purchase an investment property, you should make yourself aware of the different types of Philadelphia real estate that you can purchase. Remember, an investment property is any Philadelphia real estate property that will bring in some kind of rent or income for access to leasehold rights. You can choose to invest in

  • Single Family, Duplex, Triplex, Quadriplex ? Basically a small house, with one to four separate units.
  • Apartment Building ? These buildings have 5+ units in them.
  • Residential Complex ? Philadelphia real estate with several buildings, each with multiple units.
  • Individual Retail Building ? Used to house stores.
  • Strip Mall or Shopping Center ? Philadelphia real estate property with multiple units for stores, usually with parking spaces. Can be open-air or an enclosed retail mall.
  • Office Buiding ? Building with multiple office spaces in it.
  • Warehouse ? A building whose main use is for storage, vast in size.
  • Vacant Land ? A parcel of land which has not been built on.

As discussed in my blog, ?Types of Philadelphia Real Estate Property Ownership,? there are different forms of ownership, investment goals, and situations, especially when you are not the sole owner but are investing with partners. ?The differing investment situations come when you enter into a Philadelphia?real estate investment syndicate. This structure involves a number of individuals who join together to invest in one property/project. With private syndication, there is a small group of investors that usually know each other before a deal is made. Conversely, a public syndication?will involve a large group of investors, where interest usually comes in the form of shares/securities.?The main difference between the two types of syndication?s when investing in Philadelphia real estate is the type of management control and liability associated with the partnership.

If it all is a little too confusing to you, as it is to most, be sure to contact the experts. In regards to Philadelphia real estate investing, get in touch with a real estate agent, an accountant, and an attorney! This team will help prepare you for a lucrative and beneficial investment.

Source: http://jg-realestate.com/blog/philadelphia-real-estate-investment-properties/

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Medalists from Texas

Tuesday, July 31st, 2012

MedalistsAll eyes are on London for the Olympics this year.? The Olympics are a favorite of many.? Some of the most watched summer events are gymnastics, swimming, the decathlon, and basketball.? Some of the more popular winter events are figure skating, downhill skiing, and hockey.

Training for the Olympics takes life-long dedication.? It?s amazing what some of these athletes go through to compete and how far sporting events have come since the first Olympics were held in Athens.? Many Texans have participated in the Olympic games.? We?ve put together a list of some of the past medalists who have a Texas connection?either born here, lived here, or spent their college career in our great state.? Read on!

Lance Armstrong - Armstrong was born in Plano, Texas, in September of 1971.? He actually started his career as a swimmer at the City of Plano Swim Club but soon developed a passion for triathlons.? He competed in the 1992 Summer Olympics in bicycling.? His performance got him noticed.? He also won the Tour de France a record seven times.

Tara Lipinski - At only 15-years-old, Tara Lipinski won the Ladies' Singles Olympic gold medal in figure skating at the 1998 Winter Olympics.? She was born in Philadelphia, but her family transferred to Sugar Land, Texas.

Mildred ?Babe? Didrickson. Known to many as ?Babe,? this incredible woman has successful sporting careers in golf, basketball, and track-and-field.? She was born in the coastal oil city of Port Arthur, Texas, and earned two gold and a silver medal in the 1932 Olympics.

Clyde Drexler. Drexler was honored to win an Olympic gold medal in 1992 and then went on to win an NBA championship with the Houston Rockets in 1995.? He was born in Louisiana but grew up in the South Park area of Houston.

There are many more Texans who have had success in the Olympics, and surely many more to come.? Texas is a great place to play any sport and a great place to call home.? If you are interested in finding out more about affordable Texas living, you should visit our Texas Homesites website.? You can learn land facts and see land for sale in Texas to custom build the home of your dreams.? You can also follow us on Facebook and Twitter.

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Source: http://www.texashomesites.com/medalists-from-texas/

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Has Image Overtaken Music? - KPLR 11

(CNN) ? Is Lady Gaga an artist?

Sure, she can play piano. She?s got some songwriting talent, too. But music isn?t what comes to mind when the former Stefani Germanotta is discussed. Instead, it?s the attention-getting antics: The controversial videos. The in-your-face sexuality. The crazy concerts. The meat dress.

Is it about the music, or the Fame Monster?

Rachel Weingarten wonders.

?I don?t consider Gaga an artist,? the New York style consultant says, then reconsiders. ?Well, maybe she?s an artist for our time. Every generation gets the artist it deserves.?

If that?s the case, Gaga has a lot of company.

?They want to be famous, not make music,? says Lyndsey Parker, managing editor of Yahoo! Music, of some of the new breed. ?The music is just one facet of the celebrity.?

It?s an indicator of societal shifts, she says. Now you can upload a video and receive immediate fame. So much for learning three chords and working your way up the ladder.

?Now everyone expects overnight success, whether it?s because someone discovered your video on YouTube, or you went on a reality show,? she says.

Has the gimmickry gone too far? Have we become numb to the emotion and the power of music? The stuff used to be about something, dammit, not a soundalike drone of manufactured robots, lip-synching amid falling tinsel.

Right?

Art and authenticity

Well, they call it ?show business? for a reason.

Previous generations made less of a distinction between art and entertainment, observes Georgia Tech professor Philip Auslander.

?In the ?40s, and I believe well into the ?50s and the rock ?n? roll era, the idea of what it was to be a musician wasn?t as pure and pristine as we seem to want to think of it now,? says Auslander, who?s written a study of glam rock. ?The idea that to be a popular musician is not just to stand up there and show off your ability as a musician, but to entertain in other senses ? that was very much a staple of what popular music performance was about.?

Even the Beatles, who became much more decorous performers after Beatlemania hit, dominated the local scene during their Hamburg residency by turning up the volume, smashing stages and ? in a famous incident ? doing a show with John Lennon in his underwear, wearing a toilet seat around his neck.

Of course, pop musicians have long been as much about entertainment as art ? but as times have changed, so have perceptions of where the line is drawn. To critics, MTV ? which arrived in the 1980s ? heightened the value of looks and slickness over ?authenticity,? with the image becoming more important than the music. And nowadays, in our 24/7 world of rapidly posted YouTube videos, instant MP3 releases, reality shows, lurking paparazzi and meat dress one-upmanship, it?s easier than ever for spectacle to overwhelm singing.

It can be a false divide ? a glitzy video or elaborate stage show doesn?t mean the performer can?t play ? but it?s one that?s come to define some of the differences between rock and pop, says Auslander.

?I think a lot of this stuff is specific to particular genres and subgenres of music, and the old distinction between rock and pop, where the people on the pop side are not expected to be authentic in the same way as the people on the rock side,? he says.

It?s what?s led to the so-called ?rockist? point of view, he adds: that rock, which was album-oriented and ranged from earnest singer-songwriters to classically inspired progressive bands, was somehow superior to pop, which was found on singles and included bubblegum, disco, easy-listening and anything else likely to make the Top 40. Nowadays the genres are more blurred, but the prejudices remain: Rock is Serious and therefore Art; pop is unserious and therefore ephemeral.

It?s a distinction that?s long been disdained by performers themselves. As the old dictum, variously attributed to Louis Armstrong or Duke Ellington, states: ?There are only two kinds of music: good and bad.?

?I love a show. I want to be entertained,? says Matchbox Twenty?s guitarist, Paul Doucette, who praises the energy Lady Gaga brings to her concerts (and observes that ?she can back it up? with her talent). ?Don?t get up there and look like you?re not having a good time. I?ve seen enough of the shoegazing in my life. I want fun back in rock.?

A new road to fame

The same goes for Flaming Lips frontman Wayne Coyne, whose band has been known to put on a show themselves ? complete with avant-garde, big-screen visuals, falling balloons and a giant ?space bubble,? a transparent ball containing Coyne from which he walks over the crowd.

?That?s part of the fun of being in a rock band,? he says. ?If you?re lucky, you get to create an image.?

And as for the image overwhelming the rest of it, he points out that, if he?s done his job right, every element works together so that the band and audience are satisfied. When this interview was conducted, the Lips were about to attempt to break the Guinness world record for most live concerts in 24 hours ? an arrangement that, despite the stunt aspects, the Lips were taking as seriously as any individual show.

?People are going to pay real money, people are going to give us a lot of their time, so we don?t want it to be just hype ? it?s really got to be great,? he says. (For the record, the band got its record.)

Coyne has an open-minded view about what characterizes ?art.?

On the Lips? latest CD, ?The Flaming Lips and Heady Fwends,? the guests include such indie favorites as Nick Cave and Bon Iver, as well as Ke$ha, the ?Tik Tok? pop rapper disdained by the music press (?a faceless, anonymous pre-fabrication of a pop star,? wrote Slant?s Jonathan Keefe).

?I think the world can have all kinds of things in it, and just because someone is popular doesn?t mean they?re more important in people?s minds,? Coyne says. ?(The audience) should pick what they think is speaking to them the most. If that?s a Lady Gaga, great for you. If that?s an obscure little artist that you know in your hometown, use that.

?But,? he adds, ?it?s very difficult to resist the temptation of popularity. Everybody likes it. These are all dynamics everybody struggles with. What art does, it lets you be free. There should be no judgment about you in that.? He audibly shrugs. ?But this is not the way people use music in the world.?

It?s those divides ? between popular and niche, between wealthy celebrity and starving obscurity ? that keep injecting themselves into debates about music. Moreover, now that the music business has been turned upside-down by technology, musicians must find their own path to exposure (which, presumably, is still the point).

?The whole idea of a top-down market is gone,? says David Herlihy, a music and law professor at Boston?s Northeastern University.

When his own band was on the circuit in the 1980s, there was a ?road map,? he says, one that had existed for a generation.

?You needed the record label. You needed to go to the recording studio. You needed to get on the radio. You needed to be in record stores. You needed all these intermediaries. Everybody I ever became aware of followed that map,? he says. ?And now technology has completely disintermediated the business, and so now you have music and art, and people who consume those things directly. Therefore, it can go anywhere.?

The starving artist?s dilemma

It?s tremendously freeing for an artist, and also a little scary.

Do you market directly to fans, the way someone such as Josh Rouse does? Do you make arrangements to license your work, the way Moby did? Do you make yourself into a brand, a la Madonna ? who?s veered so far into pure celebrity, Yahoo?s Parker says, that she and her colleagues couldn?t figure out whether to classify a Madonna story as ?music? or ?celebrity news?? Do you work with advertisers, extending your identity to other products and essentially using music as a platform to other things?

It?s not necessarily a new idea ? the Beatles, after all, once had a clothing store ? ?a beautiful place where beautiful people can buy beautiful things,? Paul McCartney said at the time ? but the concept has reached new heights in our free-for-all age.

Paul Greco, the director of music for advertising giant JWT, is responsible for putting musicians and their songs together with advertisers. It?s a beneficial relationship, he says: the artist gets exposure and financial support, and the product gets linked up with the artist ? and the artist?s fan base. Some products can be golden for musicians: Greco mentions the ?Apple effect,? in which the computer manufacturer made stars of Feist (?1234?) and the Ting Tings (?Shut Up and Let Me Go?) through the use of their songs.

Spreading the word in creative ways is a necessity these days, adds Renaud Skalli, who heads up artist and label relations for the year-old marketing firm My Love Affair.

?The reason we started the firm is because the music industry was in a bad state,? he says. ?The artists needed someone on their side.?

Though musicians appreciate the exposure, the prospect of tying their fortunes to a multinational conglomerate still makes some of them nervous. It calls to mind that old hippie-punk jeer: Sell-out.

Ben Deily, a former member of the Boston post-punk band the Lemonheads, remembers when another Boston band, the Del Fuegos, made a beer commercial. He and his bandmates were appalled, he says.

?You knew there was selling out, and then there was punk rock,? he says. (Deily now works in the advertising business.)

?Sell-out? doesn?t come up much anymore, says Greco. ?Musicians are artists. But they don?t need to be starving artists,? he says. ?You have to make a living.?

Band management

Matchbox Twenty?s Doucette has seen all sides of the equation. His band has played bars and stadiums, has been groomed by a record label and succeeded in the post-label era. Lead singer Rob Thomas has been a paparazzi magnet.

Doucette says that commercialization comes with the territory.

?A band is a brand. It sells music, it sells image, a lot of things. This is our product, this is what we do. The fact it has artistic integrity is what separates it,? he says. ?The difference is where the emphasis is.?

For Doucette, the problem arises when music isn?t the point.

?It does seem like there?s a little bit of, I want to become famous, then have a perfume line, make a record, be on a reality show. It?s more about being famous than it is about wanting to do music because that?s what you do, and then that opening you up to other possibilities. It depends on what your intention is.?

But, he acknowledges, these are strange times for music.

?We?re still in the Wild West of all this,? he says. ?People are still trying to figure out, how do people experience music now? There are so many different ways to do it, and how do you make that work? All these things fall into that ? the branding, the image, the importance of radio ? they?re all connected.?

In the meantime, when it comes to public tastes and media coverage, the pendulum swings forward and the pendulum swings back.

Perhaps the most successful musician of the past year is the pianist Adele, whose performing and songwriting are equally personal and unadorned ? a throwback to the early ?70s singer-songwriters, or perhaps Norah Jones and Alicia Keys. Sure, there?s been some celebrity chatter surrounding her ? she?s famously had to deal with weight issues ? but, in general, her authenticity (a word used advisedly) has worked to her advantage.

?There?s still a market for that,? says Yahoo?s Parker. ?People say rock is dead, but things always are cyclical. I do feel it will take another Nirvana, another watershed rock band, and then all these technopop artists will get scared.?

Besides, adds Doucette, if the music lasts, so will the artist who makes it.

?Eventually Lady Gaga?s not going to be able to wear the meat dress,? he says. ?But she?s not going to have a problem, because she?s been, like, I can do this. And when (she) gives you a regular song, that?s going to be as shocking as the meat dress, with her sitting there at the piano with no crazy hat on.?

By Todd Leopold

The-CNN-Wire/Atlanta/+1-404-827-WIRE(9473)
? & ? 2012 Cable News Network, Inc., a Time Warner Company. All rights reserved.

Source: http://kplr11.com/2012/07/30/has-image-overtaken-music/

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Mistakes To Avoid When Launching Your Online Business | Free ...

Launching an internet based business is not the same as launching an offline business. You need to be ready for the simple fact that an online business works differently than a "regular" business. Today there are lots of people who are fascinated by the notion of creating an Internet business of their own, which is great. However, many fail to realize the importance of doing their homework first. If you really want to make money online avoid the mistakes we are going to talk about in this article.

Never ever spam?make sure that all of your promotional techniques are ethical and legitimate. There are web businesses that start off well but end up in the bad books of customers, prospects and even search engines because of using spam to spread the word about their products and services. Logically, if you look at it, you?ll see that spamming is actually a very ineffective method to reach out to your target market. This is the same thing as making cold calls to people who do not want to hear from you. Most spammers have a really hard time getting through peoples? spam filters and getting recipients to open the mails that get sent, let alone make a sale from those e-mails. Whether it?s e-mail or search engine spamming: do not do it. Steer clear of marketing methods that aren?t producing results, they are nothing but a waste of time. One popular method some time ago was "safelists" but no good business uses them anymore. "Free for all links are another example of methods that no longer work. The goal here is to have a great launch with techniques that will get you results you want. Search engine optimize your website, do joint ventures with other online businesses, run pay per click ads, but don?t go for old methods that are doomed to fail today.

Finally, it is a huge mistake not to learn about your target market. You just cannot launch any online business without know what kind of people will be buying from you. You need to know your target market like the back of your hand, inside out. It?s necessary that you put in the effort to learn more about your future customers, because without that, your business will fail. It?s impossible to create a successful product or service if you don?t know who will buy it or use it. All in all, from the above article it becomes clear that in order to start an online business, it takes more than just an idea. You need to be ready to put in lots of hard work and commit yourself to it in order to make it. Though it often isn?t super easy, if you know what you are doing, it won?t be super hard. So go ahead and start applying what you learned here and don?t be afraid to take risks. Try out new markets and experiment on a regular basis to strike it big with your online business.

Santos Crumrine is known for giving his audience a variety of content and is also famous for being a committed blogger. He has written on multiple topics including Article Marketing, online marketing, and network marketing. Checkout his article on exfuze system and on ardyssprofits

Source: http://www.freepressrelease.eu/?p=72318

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Monday, July 30, 2012

Auto-Responders For Internet Marketers - blog*spot

If youre engaged in internet marketing right now and youre not using auto-responders, youre missing out on the lions share of cash. If youre arent capturing leads you will never get a chance to build a relationship, you wont get a chance to continuously market to people on your list, and your conversion rates drop off a cliff.

Hopefully thats enough to get all of you affiliate marketers that are not using lead capture forms to invest in this mighty sales and conversion increasing tool. If you dont, honestly, youre probably just not going to make it. All the pros know about building lists and they do it every day in every vertical. Their conversions rock and they capture and market to enormous lists of raving fans.

Email marketing increases conversions up to ten times over simply trying to get somebody to click through to your order form and purchase. Why? Because with repeated emails you can warm up a prospect, hit their hot buttons; show them the value of your product, and more. People that find your website and click away without opting-in to get your free report or newsletter will most likely never return to your site, and youve lost a golden opportunity to make a sale with them and to make all future sales as well.

The big guys know that the money is in the list. Sending a prospect to a cold landing page and expecting them to make a decision to purchase right away just isnt going to work most of the time, in fact a 1 percent conversion rate with this tactic is about the best to hope for. Many times folks are just surfing, they are not in purchasing mode, our job is to get them into purchasing mode and then send them to the sales page.

Investing in a tool like Aweber or similar email marketing tool is essential for your business, in order to capture leads, create email marketing campaigns, and increase your bottom line dramatically. It doesnt matter if you have a small list or a large one, if you treat your list right and provide them with great insights and information, they will buy from you. Over and over again.

For an abundance of other tools and strategies you can use and implement immediately to recruit more distributors with less effort, build your list and drive more traffic to your website, visit where you can also get a 7 part training series on how to successfully increase your profits on the internet.

Get A Hold of Thousands of Dollars in Free Home Business Ideas and Tools

Source: http://biz-kidd-business-coaching.blogspot.com/2012/07/auto-responders-for-internet-marketers.html

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Small Business Internet Marketing Guidelines: How To Get Customers

If you run a little local business, you may have seriously considered starting an internet marketing marketing campaign to increase your reputation and attract new customers. Many small businesses start to adopt it within their business as they are discovering it to be one of the most good ways to promote their products and firm. Marketing online is cost-efficient and easily implemented often producing fast response as well as virginia business formation growth.

Now you ask , how does a small business operator undergo advertising and marketing on the net effectively to generate larger sales and profits while keeping expenses to a minimum. The most common and also the first element that may come to mind is to create a website for your enterprise. No matter whether you sell your products online or even offline, a website could act as your 24 hour sales person to showcase and also take orders night and day.
Indeed, internet marketing is essential for offline firms just as much as it is for online businesses to increase business and sales. It can generate more customers whether you have a small specialised store, a bakery or even a restaurant, you can power the Internet to let learn about it and to believe it is easily and quickly when they browse the web.
Even if your small business is in a small town, you can bet that more people will find your place on-line when you incorporate some internet marketing strategies. Statistics demonstrate that around 70 % of people use the web to find a local business.
In case you optimize your website to the search engines, your website may rank higher than the competitors, thus sending anyone more visitors. This is a fundamental part of small business online marketing. It has been estimated that will 75 per cent of the traffic to websites emanates from search engines. More traffic signifies more customers.
You can use a range of search engine optimization (Search engine marketing) techniques which include refining your website?s content for a specific search term or posting content on other related along with popular websites and having back links to your website in exchange.
Article marketing and social video marketing are important elements of small business internet marketing. When you article relevant articles upon popular directories, you not only get an inbound link to your site. You can use the article content to market your company and products. Exactly the same applies to video marketing.
You should use videos not only to market your business and products, and also to increase the conversion rate at your web store by offering video item presentations and movie user guides.
Employ social media marketing for powerful www.virginiabusinessformation.com internet marketing. This kind of marketing has to do with promoting your company and products making use of social medial including blogs and social support systems. Setting up a blog on your own website will help for more effective SEO as well as for marketing your products.

For more information about find out more visit our website.

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Source: http://eradicatingecocideincanada.org/2012/07/small-business-internet-marketing-guidelines-how-to-get-customers-on-line/

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Sunday, July 29, 2012

Connecting the Dots on Bed-Tax Breaks; Canada Calls on OC

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Toronto Team Building Activities to produce Your Business Team More

This article has been viewed 14 times.

It is very easy for a business office staff to become satisfied. They can fall into the routine where these people become very self-sufficient and rely on their particular fellow workers less and less. While this may seem like the best thing, many office responsibilities can be accomplished quicker and better when the team really does them as a whole instead of relying on the input of only one person. In case a business is in Toronto, team building events activities from a firm like XPEERience Group can help create that ?we? mindset again.

This company specializes in Keynote Speaker Canada activities in a number of settings. Choosing the proper team building events activities is important when setting up an event such as this as it is important to be sure all staff members are happy with the events. All things considered, it would not serve a reason to alienate staff during a team building pursuits as you want everyone to sign up in the events.

One of the most popular packages with regard to Toronto team building activities is the Ultimate Xpeerience. This bundle encompasses low bodily impact activities including dodgeball, water balloon chuck, and volleyball along with more demanding team development activities like the inflatable obstacle course and also the outdoor rockwall. Most employers will have a pretty good thought of what their employees are capable of and can choose the team building activities that may work best for their staff.

The beauty of an outing such as this is that the majority of employees forget exactly why they are actually there in the first place. They are getting so much fun, they naturally form a greater bond with their other workers and improve the teamwork frame of mind that has been missing from the office. So how really does all of this actually incorporate itself back into the business office?

Something that a lot of companies will do is have a personnel meeting to discuss the outing the next time the whole staff is together in the office. Keep it very informal and talk about the various events and how your winning teams were able to perform so well. Preserve stressing how they employed each person?s strengths to aid the team perform greater.

Once this topic gets rolling, begin to bring up examples of assignments around the office that have been delayed because the ?team? had not been working together. Keep in mind this is not a disciplinary meeting, just a reinforcement of how successful it is to work together. From that point, hand out exactly the same assignment to both of these people and teams. Allow them to have a limited time to develop them and then carry a meeting later within the day to monitor development.

While there may be many people capable of pulling off of the upset victory, most of the time, the teams will be able to present a better and more complete project. This is when management can bolster the idea of how important it is to work as a team whenever possible instead of operating alone all the time. It certainly won?t be long before the entire business office benefits from the Toronto team development activities they liked during the outing.

For more information about Team Building Toronto visit our website.

Source: http://www.article-i.com/computers/accessories/toronto-team-building-activities-to-produce-your-business-team-more-efficient/

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Understand the role of White Balance in Digital Cameras











White balance is central to photography. It is the way in which the camera captures colors as they are. In theory when you white balance a picture, you essentially ensure that the white in real looks as white in the picture too. What this does is that it enables the digital cameras sensors to interpret other colors correctly. However this is easier said than done. There are various shades of white, some cooler (which render a bluer tint) and others warmer (which render a yellowish tint) that can confuse the camera and you may end up capturing altered colors.

To counter this, modern digital cameras come loaded with White Balance presets most noteworthy of which is the Auto White Balance mode. It is also by far the most commonly used White Balance preset by default. Auto White Balance in digital cameras tries to average out the color temperatures and thus capture an average color picture. This may or may not be to your liking.

So what does one do?

The answer lies in the plethora of other white balance presets such as Cloudy, Shade, Florescent et al. These presets work in an interesting way. While they stand for a certain condition like Shade or Cloudy, they work differently. They try to average out such conditions e.g a Cloudy preset tries to compensate for the bluish tones present in shade and bring in more of warm tone in the picture. A cloudy does the same. Florescent, on the other hand, does the opposite.

The most powerful preset of all is the Custom White Balance preset. It is the most difficult to master as well. To use this preset, you need to select a white or a grey spot in the picture that define the perfect grey and use that as a reference for rest of the colors. Once chosen, the same custom white balance can be used across different images, given that the lighting conditions are the same.

In short, one should remember that role of white balance is to capture colors as the eye sees it. By dialing through the various modes and presets, you can learn what preset suits the conditions and leverage that to capture crisp pictures.

Aaditya Tanwar is a Home Appliances industry insider and frequently blogs about Home Appliances and consumer electronics. In his latest series of articles, he shares insights on leading digital cameras and digital cameras

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Wednesday, July 25, 2012

Philippines ratifies Australia military pact

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Source: http://news.yahoo.com/philippines-ratifies-australia-military-pact-170733877.html

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Monday, July 16, 2012

Think U.S. grads have it tough? Meet Europe's class of '12

Athina Prassa in Athens mastered English in four years studying at a private university. It's a skill that may not help her much as she hunts for work while hard-right thugs roam her blighted neighborhood.

Lucy Nicholls in London graduated from fashion school brimming with optimism. It took just a week for real life to step in: She fell victim to a scam that left her broke and desperate for work.

Rafael Gonzalez del Castillo in Madrid has pulled countless all-nighters to win a degree in his passion, architecture, just as Spain's building bust has littered the country with abandoned buildings.

Moira Koffi in Paris left her widowed mom in Normandy for "bohemian life" at the Sorbonne. Now the communications grad is heading into the real world.

Lutz Henschel in Berlin graduated near the top of his class with a degree in electrical engineering in Europe's top economy. Since January he's sent out nearly 40 applications, and is still chasing his dream of working in renewable energies.

Meet AP's Class of 2012: five talented and vibrant university graduates who face a rocky future as they emerge from the cocoon of student life and head into the worst economic crisis Europe has seen since the end of World War II, one that threatens to engulf an entire generation.

They're excited. They're scared. They're full of hope. And full of uncertainty.

The Associated Press will follow them over the next 12 months as their lives unfold in the crisis ? through text, photo and video dispatches, as well as webcam diaries and tweets straight from the graduates themselves. The tapestry of their lives will help illuminate the story of Europe's crisis itself, as their futures are shaped by the continent's soaring youth unemployment, corrosive debt, migration trends and aging population.

Europe's turmoil has profound implications for the future of young people everywhere. After all, the European Union is this interconnected world's biggest economy, and it's struggling badly.

Austerity is eroding an envied way of life. Long-cherished certainties about cradle-to-grave welfare are evaporating. As leaders scramble to extinguish one debt fire after another, the futures of ordinary people grow dimmer.

Europe's rapidly graying societies are creating even more of a burden on this generation of young people who are finding it so hard to carve out a future.

Those twin crises will challenge Lutz as he leaves his studies in Europe's strongest economy, even with its low youth unemployment rate of 8 percent.

They will haunt Lucy and Moira in Britain and France, where more than a fifth of all young people are unemployed.

Athina and Rafa worry they'll have to move abroad to survive. In Greece and Spain, youth unemployment is above 50 percent.

"I don't think this time is suitable for fulfilling your dreams," Athina says. "That can happen later."

This is the AP Class of 2012:

ATHINA PRASSA, 22

"Want to see my fridge?" Athina asks a visitor.

She's a natural optimist but it's hard to keep up the cheer as she gazes at the lonely milk carton and container of butter on empty shelves.

"There are days," she says, "where I forget what it's like to eat meat."

Athina left her family home on the island of Lemnos four years ago to study at the private Hellenic-American University in Athens. Her parents were able to pay for her studies but not much more. It meant she ended up in a crime-ridden neighborhood notorious for its extreme-right thugs, where she lives rent-free in an apartment owned by her godmother.

Her parents sent her 100 euros ($120) a week at first, then cut it back to half that when they couldn't afford more.

Now she's on her own.

"My parents can't send me money anymore to live here," she says. "I'm really scared about the future."

She longs to work in Athens but is worried the crisis will force her to leave Greece.

She says the hard times, brought on by years of profligate spending in Greece, have taught her some valuable lessons: "It's funny, but I think the crisis has turned me into a better person, because I definitely hate money right now. ... I see how people go crazy about money."

She despises the anti-immigrant Golden Dawn party that roams her neighborhood.

Through all the turmoil, Athina still holds onto her dreams. She wants to work in fashion. She wants to backpack around Europe. She wants to visit America.

And she still manages to have fun with her friends in Athens ? which she calls "a jungle" ? by taking advantage of the beaches and free concerts and art exhibitions.

At a recent gallery event, Athina stood staring at a photograph of a demolition site. Spray-painted over it in red was one word: FUTURE.

LUCY NICHOLLS, 22

Lucy sits against a backdrop of rose-patterned wallpaper emblazoned with the word "Wish," the name of the fashion magazine that's her graduation project.

She's presenting it at a London show called RAW to launch Middlesex University fashion grads like herself, exuding a mixture of confidence and jitters.

The fashionista with artsy glasses and bright red hair has paid a Lithuanian company 2,000 pounds ($1,550) to print 500 copies of WISH, which she's planning to ship to customers.

She concedes her optimism verges on the "cocky."

But she also has a dose of realism: "I'm going to need money very soon. Luckily the magazine is going to bring in a tiny, weeny little bit ... But I'm going to need a job pretty soon, that's for sure."

A week later, disaster strikes: The printing company has gone bust and disappeared with her money.

Now she's broke and needs a job fast: "I realize because of this catastrophe with the magazine I need work now. I really, really need to be making money."

The setback doesn't keep her down for long: She's picked up some freelance photography work for a London PR agency that's helping her pay the bills. Meanwhile, she has revamped her resume to wade into her first real job hunt.

Lucy says her teachers didn't prepare her for life: "We don't get told anything about industry or the real world. We didn't ever get told about what jobs were really out there."

Half-English, half-French, Lucy comes from a rural town in Surrey, south of London. She says her father warned her about how hard life can be: "You have to be prepared to be living off beans."

Fluent in French, she says she could try Paris for a while ? but things aren't much better there, and in any case she sees her future in the British capital.

"I've been told by everybody London is where it's at, London is where you've got to be."

RAFAEL GONZALEZ DEL CASTILLO, 24

Rafael ? or Rafa as everyone calls him ? is a budding architect in a nation that's gone through one of the worst building busts in modern times.

He loves his field. He loves Spain. But he fears his future lies abroad.

Like millions of other young Spaniards trapped in the nation's devastating economic spiral, he says he'll jump at any opportunity for rewarding work ? be it in Sudan, Chile, Alaska or Mongolia.

He just presented his final project ? a design for urban greenhouses and terraced farmland on the marshy banks of a river ? at Madrid's Polytechnic University. If it's approved by a jury, he'll officially be an architect in October.

Then what? A stroll through the wasteland.

The construction industry was crushed by the implosion of a real estate bubble in 2008. It's ground zero of Spain's economic crisis, with more than 1 million jobs lost in that industry alone.

Rafa, however, keeps on dreaming.

An actor in the university drama troupe, he talks a mile a minute with charm and eloquence, gushing enthusiasm for his chosen profession. He loves his studies so much he'd do it all over again ? despite the doom that hangs over the industry.

Rafa refuses to believe that after a five-year journey through one of Spain's most demanding schools, what awaits him is the edge of a cliff and a plunge into the dead-end jobs in bars or supermarkets that many of his fellow college grads are taking up to get by.

He breaks into this riff: "Since I was little, they told me, 'when you get to middle school, you will fail some subjects.' I did not fail. 'When you get to high school, your grades will go down.' They did not. 'When you get to university, you will fail.' OK, I have failed a few subjects, but I got by. So I do not want to be told again that there is not going to be any work. I simply do not believe it.

"It all depends on me."

Gonzalez is not angry about his plight. He says everybody in Spain is to blame ? consumers hooked on loans, banks that threw around the money, politicians who sat back and watched it all inflate dangerously.

"In the end," he says, "it is all of us at least a little bit."

MOIRA KOFFI, 22

Moira worries if she'll have a job when she gets back from vacation in Greece.

She worries about how she'll live in Paris once she has to leave student housing.

Above all ? following big gains by far-right parties in France, Greece and elsewhere ? the African-French communications grad worries about a racist wave engulfing Europe: "It's like the 1930s again. I don't get why people can recreate this atmosphere of hate and fear. It's crazy."

Moira just handed in her thesis at the Sorbonne, capping three years of study.

She started out as a journalism major, but switched to corporate communications when crisis hit in 2008.

"I wanted to be a journalist, but then I heard about everyone who couldn't find jobs," Moira says.

But by the time she graduated the downturn had expanded, and now half of France's new graduates have no work.

"Can it get any worse?" she says with a wry laugh. "Well, maybe if the European Union explodes."

Moira has had time to come to terms with the crisis. Its start coincided with her move to Paris four years ago. Leaving her widowed mother teaching school in a small town in Normandy, Moira made her way in the capital as countless young students have before her, counting her centimes and enjoying "la vie boheme" ? bohemian life.

The Sorbonne helped her find a short-term apprenticeship at a public relations agency, where she handles social media campaigns.

The four-day-a-week job ends in September. She wants to stay on, but there are no guarantees.

Moira budgets carefully, keeping expenses to around 600 euros ($750) a month. She goes out less than she did when she first moved to Paris, taking up hobbies like dressmaking and baking muffins. Her most recent creation? A "beautiful and classy" black dress. It's nearly finished after six months of work.

LUTZ HENSCHEL, 27

Lutz picks up his diploma in a soaring hall adorned with a sculpture of Nike, the Greek goddess of victory. He savors a glass of champagne. Listens to the music.

With a masters in electrical engineering in Germany, Europe's most successful economy, he knows his prospects are brighter than those of millions of other university graduates across the continent.

But since finishing his studies in January, Lutz has sent out nearly 40 applications and been through about 15 interviews, only to keep hitting a brick wall.

"At the beginning I felt disappointed because I believed that I was the reason for the rejections," he says. "But now I think that a lot of companies have too high expectations."

Even facing a shortage of skilled workers, elite German companies have been notoriously unwilling to hire students straight out of university. Lutz sees himself trapped in a Catch-22: "They expect a graduate to have specific knowledge and experiences which I think is impossible to have right after graduation."

The Berlin native who teaches karate on the side dreams of a job in renewable energy.

This month he took a six-hour train journey south for an interview with German engineering giant Bosch.

Two days later, it was an hour-and-a-half train ride north for an interview with a German-Danish company that builds wind farms.

He's confident that the latest interview went well: He got to talk to real engineers, not just HR reps.

"It's a little bit discouraging at first, because everyone is saying, 'you are sought so much, you're an electrical engineer, everyone wants you,'" Lutz says. "But then you get out, and it's not true."

On the eve of the launch of Class of 2012, Lutz's fortunes turn. He sends out this tweet:

"I got my first official job offer! I will stay in Berlin, building elevators."

Developing electric circuits for elevators is a far cry from Lutz's ambition of making the world a better place through green technologies, but it's a start.

"How awesome," he tweets.

___

This story was reported by Efty Katsareas, Theodora Tongas and Elena Becatoros in Athens; Cassandra Vinograd and Tom Rayner in London; Greg Keller in Paris; Daniel Woolls and Hernan Munoz Ratto in Madrid; Kerstin Sopke and David Rising in Berlin. It was written by Joji Sakurai in London.

___

Follow The Class of 2012 on the AP Big Story page:

http://bigstory.ap.org/topic/class-2012

___

Follow The Class of 2012 on Twitter:

https://twitter.com/#!/AP/class-of-2012

More video from Yahoo! News:

Global Markets Update: Euro Continues to WeakenCNBC's Kelly Evans reports on all the market moving events from Europe, including a look at equities; weighed down by earnings worries.


Source: http://news.yahoo.com/class-2012-5-europe-grads-face-rocky-future-103458282--finance.html

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