Evaluating Granite and Marble Countertops: Which 1 Should You Choose?

Granite and marble are each stones meaning they're both equally sturdy, heavy, and incredibly difficult. At the same time, mainly because each these stones can actually last a lifetime, they are the two equally pricey and very tough to polish and install. Since they may be both equally stones, they may be the natural way patterned, hence, you could get granite or surface encounters marble that is definitely not really related to the design and style from your catalog you ordered so it might be greatest to actually see the genuine merchandise when selecting the kind of style and pattern that you just want alternatively of relying only on pics. Both equally are heat resistant and they tend not to scorch when positioned even with a extremely hot substance these as iron pots and pans.



Nonetheless, granite is way more durable than marble and it is a lot more resistant to scratches and major impacts when compared with marble. Simultaneously, granite is much more defiant to acids this kind of as vinegar, lemon juice, and tomato juice, together with other objects with substantial ranges of acidity. To help you much better fully grasp the strengths of equally stones, permit us take a nearer appear as to how they have been shaped. Marble, and all its stone family - onyx, travertine, and limestone in the onset were sediments created of shells, plant matter, animal skeletons, and silt which all settled for the bottom of bodies of water and immediately after decades of getting soaked in water, they solidify and turn out to be stones/ Marble’s major part is calcium and that is the reason why it has a tendency to react to acids such as vinegar and also other beverages that contain citrus. Granite, then again, is made up of crystallized minerals shaped from the earth’s mantle at high temperature. The final result can be a challenging, extremely resistant stone. Marble could be scratched and etched by acids since it is produced of calcium carbonate and that is very much like chalk however the only variation is surface encounters marble is compressed and within a crystallized type. Within the similar way, marble has fewer designs, in reality it can be additional generally sold in its white shade so stains and mars could stand out much more exposed in marble. Granite includes a much more complex pattern that will cover the stains greater. When it comes to styles nonetheless, marble includes a finer, much more stylish seem than granite. The crystal formations in marble are a lot more satiny and finer in nature rendering it search far more deluxe. Granite has more substantial, pea-sized crystals which can be coarser for the eye.



In the long run, when it comes to durability, the granite countertop could be more durable and even more resistant to stains and scratches while the seems to be are won by marble. Marble nevertheless is less expensive than granite but it involves increased servicing. So, all of it boils down to that which you genuinely want as being a countertop. Would you settle for the countertop that's extremely hard-wearing and even though not as pretty as the other a person, or would you trade splendor for sturdiness and power?

New Employ Criminal Track record Check

Discovering the right individuals to function for you has in no way been an simple career. Everybody is excellent at some thing but you need to determine if they are most most likely to be fantastic at performing what you'll need them to complete. Not merely that, you have to also make certain that they're going to match in along with your organization and existing staff. That is why getting good employment track record procedures is important when you are hiring new workers.

I'm sure your quest for online background check free on-line has arrive to an finish as you read this publish. Sure, gone are these days once we need to search endlessly for track record free on-line info or other this kind of info like background totally free online,criminal background track record ,national criminal background checks or even potential employee background Even with out content articles for instance this, using the Internet all you have acquired to complete is log on and use any with the search engines to discover the track record check totally free online information you need.

Utilize the forums-don't be afraid to join in on forum discussions with other site members. Ask concerns, share guidance and construct your professional network com.Be an excellent listener-demonstrate a genuine interest in what the interviewer has to say. Try not to interrupt by interjecting a comment whilst a person else is speaking (even when you're frightened you might forget the stage you would like to produce).

The best way to retain employees at your manufacturing plant.How you are able to keep employees at your production plant In terms of employing employees you will find many tips and tricks which you can follow to ideally utilize the most efficient workers that you can find.

When you possess the patience to go by means of the remainder of the article related to background examine free on-line you will unquestionably comprehend 1 or two factors which will prove really helpful to you. Preserve right on studying and be properly informed about examine free on-line also as other related background totally free online,criminal background track record , nationwide criminal checks or potential worker background check info.

In case you're searching to get a trustworthy business, you should bear in thoughts that these services will come at a price. Generally, nonetheless, the fee is nominal. You'll find websites that declare to offer a free service, but usually these are extremely best prevented.

Dealing using the Colorado Springs criminal law just isn't an normal factor and is also consequently best left to trained lawyers. The experienced Colorado criminal defen.If an employee has endured an damage at his workplace then he has the proper to declare for compensation. The insurance coverage businesses nonetheless make an effort to stall the identical.

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What can go incorrect will go wrong, at the worst second. They may be as a result of human errors or oversight, incomplete or out-dated particulars, mistaken identity or identity theft and so forth. What ever the case is, we would not be oblivious towards the harm or victimization and might be well-prepared to face as much as issues if required. And when we do turn up some thing unfavorable but correct in the self-check, we get a chance to fix it forward.

Time to Repair A Reduced Credit score With a Bad Credit score Loan

More and much more loan companies, employers, landlords and insurance coverage businesses are checking your FICO score as component of their procedure of approving your loan, landing a job, having your own house to live, or good prices given for any kind of insurance coverage which you might have utilized for. To attain all of those issues which you are dreaming of accomplishing developing a great online credit score background will be the initial factor which you need to do if in situation you got 1 with a poor history.

Credit scores start from a reduced 300 towards the cream of the crop 850. A regular consumer has a credit range of 600 to 700 but some may have more than this. A FICO score is the foundation of most loan companies and credit score bureaus of computing your creditworthiness. A good credit score score falls on an average of 720 and over. Exactly where does one get the info on their respective credit scores? By legislation this is offered for totally free as soon as a year coming from the three main credit bureaus: Equifax, Experian and TransUnion. Your scores and credit score background exhibits your current and closed accounts also as your payment history.

Lenders do usually take a look on your online credit score background as the foundation on whether or not they will grant your mortgage at a good interest rate or deny this completely. If correct now you are intrigued on applying to get a mortgage that necessitates a high credit score then it would be very best to use for FICO score monitoring which usually provides you an update in your scores on a weekly foundation. Subscribing to this online service alerts you whenever you have reach your substantial score objective as long as you setup a threshold for it. Some would go as far as sending you an sms to inform you when your scores have change for the better or for your worst.

To help you build a much better credit score score and background here are some easy guidelines to follow:

Request a duplicate of your credit report as needed if not wait for it as soon as a yr but do keep track of your history for just about any errors. In the event you see discrepancies then you are able to dispute them by going via your reviews thoroughly.

Pay your expenses on time. Add some more around the minimal quantity that you usually spend since this would trigger your credit score to rise and would be obvious for many lenders that you are a good borrower simply because you spend on time and is also sincere in settling your expenses.Steer clear of maxing out in your credit limit. This will certainly cause your credit score scores to drop that fast. Cancel credit score cards that you aren't utilizing or don't require and spend promptly for your credit card expenses.

Making Money Ideas

New to the investing game and interested in learning some metrics that can help you analyze a company’s prospects? If so, this can be a great place to start your education.

To create the list of stocks below we have pulled together several financial analyst metrics to find companies with bullish indicators. Each term is defined in detail to help you perform your own analysis.

In making this list we focused on cash flow growth - arguably one of the most important considerations in the financial analysis of a company. While earnings and net worth are subject to management estimates, cash flow is very difficult to alter.

We wanted to search for companies exhibiting positive trends in cash flow growth. We began by screening for those companies that also had a high compound annual growth rate (CAGR) in free operating cash flow (above 20%) for the past 3 years. We then focused on the names that remain significantly undervalued to their mean analyst target price.

These companies also have higher earnings before interest, taxes, depreciation and amortization (EBITDA) than debt for the last year. Lastly, we narrowed down our list by those experiencing significant increases in institutional buying over the current quarter.

Don’t fully understand these terms? Let’s take a look at what each of these metrics mean and why they are important: 
 

Compound Annual Growth Rate - CAGR
This is the year-over-year growth rate of an investment over a given time. In this article, we used CAGR with Free Operating Cash flow (see below). When a company has a high Free OCF growth rate, it means the company has become increasingly efficient in generating cash from the running its business.

Free Operating Cash Flow
Free operating cash flow (FOCF) is the total operating cash flow minus all operating expenditures, such as wages, repairs, and depreciation. Strong free cash flow signals a company's ability to pay debt, dividends, and invest in their business growth.

Institutional Buying
Institutional investors are also known as "big money" investors or managers. They represent big pools of money such as investment banks, pension funds, mutual funds, hedge funds, endowment funds, etc. When they invest in stocks, they can invest hundreds of thousands of dollars or more at one time.

Regular investors pay attention to what institutional investors do because it is easy enough to assume that the big money managers know what they are doing -- or at the very least know more than the average investor. This is why these investors are also sometimes referred to as "smart money.” Note, investors should never blindly trust analysts or institutional investors or anybody else. Use information on institutional investing with other research before making any investing decisions.

Earnings before interest, taxes, depreciation and amortization (EBITDA)
This is an indicator of financial performance calculated as:  Revenue – Expenses (excluding tax, interest, depreciation and amortization). Usually it is used as a proxy for what is available to pay interest. It is useful to compare EBITDA to debt, as EBITDA is earnings available before paying off interest on debt.

Target Price 
Analyst target prices can be very useful guides for investors. The target price is a price level set by analysts that, based on their data and estimates, represents their predictions for that company in the upcoming year. Because analysts often have different opinions, we use the average analyst target price.
Although target price is upwardly biased, a steep discount from this number can indicate an undervalued opportunity.

Given the data points, do you think these companies are undervalued? Are institutions making the right moves? Use the list below as a starting-off point for your own analysis.

Analyze These Ideas (Tools Will Open In A New Window)
1. Access a thorough description of all companies mentioned
2. Compare analyst ratings for all stocks mentioned below
3. Visualize annual returns for all stocks mentioned

1. Zumiez Inc. (ZUMZ): Services Industry. Market cap $797.63M. Net institutional shares purchased over the current quarter at 3.2M, representing 14.76% of the 21.68M share float. 3-year CAGR of free operating cash flow at 75.70%. Last year EBITDA at $53.76M vs. total debt at $0. Current price at $25.73 vs. target price at $30.88 (implies a potential upside of 20.02%).

2. Synaptics, Incorporated (SYNA): Technology Industry. Market cap $887.42M. Net institutional shares purchased over the current quarter at 4.3M, representing 12.66% of the 33.96M share float. 3-year CAGR of free operating cash flow at 72.34%. Last year EBITDA at $70.36M vs. total debt at $2.3M. Current price at $25.91 vs. target price at $32.68 (implies a potential upside of 26.14%).

3. Ebix, Inc. (EBIX): Technology Industry. Market cap $762.17M. Net institutional shares purchased over the current quarter at 3.7M, representing 10.87% of the 34.03M share float. 3-year CAGR of free operating cash flow at 56.61%. Last year EBITDA at $58.54M vs. total debt at $35.57M. Current price at $19.31 vs. target price at $29.50 (implies a potential upside of 52.77%).

4. LogMeIn, Inc. (LOGM): Technology Industry. Market cap $901.88M. Net institutional shares purchased over the current quarter at 2.0M, representing 9.81% of the 20.38M share float. 3-year CAGR of free operating cash flow at 165.17%. Last year EBITDA at $21.91M vs. total debt at $0. Current price at $37.5 vs. target price at $50.43 (implies a potential upside of 34.48%).

5. KongZhong Corporation (ADR) (KONG): Services Industry. Market cap $191.87M. Net institutional shares purchased over the current quarter at 530.4K, representing 9.4% of the 5.64M share float. 3-year CAGR of free operating cash flow at 159.85%. Last year EBITDA at $10.16M vs. total debt at $3.55M. Current price at $5.08 vs. target price at $10.00 (implies a potential upside of 96.85%).

6. Travelzoo Inc. (TZOO): Services Industry. Market cap $1108.25M. Net institutional shares purchased over the current quarter at 517.8K, representing 9.35% of the 5.54M share float. 3-year CAGR of free operating cash flow at 34.87%. Last year EBITDA at $25.86M vs. total debt at $0. Current price at $67.33 vs. target price at $109.40 (implies a potential upside of 62.48%).

7. OpenTable Inc. (OPEN): Technology Industry. Market cap $1943.46M. Net institutional shares purchased over the current quarter at 2.0M, representing 9.11% of the 21.95M share float. 3-year CAGR of free operating cash flow at 61.46%. Last year EBITDA at $25.48M vs. total debt at $0. Current price at $82.56 vs. target price at $104.70 (implies a potential upside of 26.82%).

8. LHC Group, Inc. (LHCG): Healthcare Industry. Market cap $440.8M. Net institutional shares purchased over the current quarter at 1.4M, representing 8.91% of the 15.72M share float. 3-year CAGR of free operating cash flow at 90.95%. Last year EBITDA at $103.15M vs. total debt at $0. Current price at $23.61 vs. target price at $28.70 (implies a potential upside of 21.56%).

9. AsiaInfo-Linkage, Inc. (ASIA): Technology Industry. Market cap $1245.54M. Net institutional shares purchased over the current quarter at 4.0M, representing 8.86% of the 45.15M share float. 3-year CAGR of free operating cash flow at 21.01%. Last year EBITDA at $84.95M vs. total debt at $0. Current price at $16.96 vs. target price at $26.92 (implies a potential upside of 58.72%).

10. ION Geophysical Corporation (IO): Energy Industry. Market cap $1533.94M. Net institutional shares purchased over the current quarter at 8.9M, representing 7.78% of the 114.35M share float. 3-year CAGR of free operating cash flow at 55.92%. Last year EBITDA at $180.43M vs. total debt at $108.66M. Current price at $9.89 vs. target price at $14.00 (implies a potential upside of 41.56%).

(List compiled by Becca Lipman)

When planning an online or mobile business, founders and co-founders must begin discussing ‘location’ as soon as possible. By location, I particularly refer to the launch and base location(s) of your online or mobile business.

The following are four pointers I suggest you to consider in your startup location discussion:

Firstly, is where you live the best place to launch and base your internet or mobile startup?

If you live in countries with modest populations, like Sweden or Australia for example, and you’ve come up with a business that could have global appeal, you must seriously consider if launching in your home country will be beneficial to your aspirations.

The United States, with a population of 300 million that mostly use the internet and smartphones, might be a better option. For example, Foursquare, launched in New York, would not have had the same appeal if launched in Beirut.

The fact is that there are not as many examples of non-big population launched startups making it big as the other way around.

Secondly, you must consider if launching in a smaller market will leave you vulnerable to predators?

In this industry, we constantly hear that some multi-billionaire startup founder took his/her “inspiration” from another guy who lives in a small village in some unpronounceable country.

If you launch in a smaller market and register some success, others will hear about it and use their considerable resources to establish your idea in a bigger market before you have had a chance to get there yourself.

Thirdly, you must question whether your online or mobile business’ location is the best choice to attract the talent you will need.

If your startup succeeds, as we expect all will , you are going to need talent. Depending on the nature of your startup, you may require Engineers, Business Development personnel, Project Managers, Designers, etc.

It is fact that there are certain hubs where such talent is more fertile than others. For example, I believe Engineering talent is best in Silicon Valley (USA) or some Asian countries (Singapore, Philippines, India, etc.), while some of the best Business Development personnel I have met have been from more cut-throat cities like New York, Los Angeles (USA) and Sydney (Australia).

Finally, and probably most importantly, do investors have preferred locations?

There is a great chance you are going to need money to grow your business. And it is a definite that you are going to want money when you exit your web or mobile business.

Venture Capitalists, Angel Investors and others with money will very likely judge your capacity to service the greatest-possible market for your business when deciding on whether they should or should not invest.

The above should not mean that everyone should launch their web or mobile business in the most populated, capitalist locations. First and foremost, the location has to be right for your business.

But once you have a list of what the right locations for your business could be, my advice is you make sure your capacity to service the largest locations is front-and-center in your planning.

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Making Money Fast

Tableau's goal is that anyone who cares about data should be able to work with it. But often there has already been a lot of work done on the data from so-called "Data Journalists" - who have been adopting Tableau's software with glee. There is a term for this type of reporting: Computer Assisted Reporting (CAR). CAR has been around for a while, but Tableau makes the process faster and saves journalists from doing custom programming. According to Tableau's Ellie Fields, "fast authoring has been a big driver of uptake" among data journalists.

Tableau has a range of products, including the premium Tableau Digital (used by the aforementioned media companies) to the free Tableau Public (aimed at bloggers). The free version has size restrictions and the data has to be shared to the cloud for anyone to use. The premium versions allow you to keep your data private if needed. There's also a corporate product called Tableau Server, which sits inside the firewall.

So far Tableau claims to have published 10,000 visualizations.

When you think pretty data on the Web these days, the iPad is usually front of mind. Tableau is currently developing an iPad app, which is expected to be released this month for corporates. A public version of the iPad app will be released in future, but no timeframe has been given yet. The iPad app will allow for touch screen scrolling through of data, pinch down, and more.

Mobile is a big area for data visualizations, Ellie Fields told me. "People are making decisions when out and about, not at their desks."

I asked whether there will be a destination site for data visualizations, where consumers can come to browse different visualizations. However that is not on the company's roadmap, Fields replied. "We are not trying to drive traffic from publishers."

Tableau is one of the most visible (pun intended) companies on the Web, graphically packaging up and analyzing the ever increasing amount of data on the Internet. That trend will continue to ramp up, so keep your eyes peeled for more and more data visualizations in your online media experience.

Disclosure: ReadWriteWeb partnered with Tableau last year for a graphing contest.

The CNN Washington Bureau’s morning speed read of the top stories making news from around the country and the world. Click on the headlines for more.

WASHINGTON/POLITICAL

For the latest political news: http://www.CNNPolitics.com

CNN: Obama calls for compromise amid stalemate in debt talks

President Barack Obama called on the American public to pressure elected officials to work out a compromise to raise the federal debt ceiling and avoid a potentially devastating default. A deal would allow the government to continue borrowing money to pay its debts after August 2.

Washington Post: Speeches by Obama, Boehner achieve political ends, but little else

The president and the House speaker couched their words Monday night in the language of compromise and reassurance. But at the start of a critical week of legislative maneuvering, each delivered a partisan message that cast blame on the other for a breakdown that threatens the nation’s credit rating, its financial markets and the fragile economy. By the time they finished, it was clear why Republicans and Democrats are no closer to agreement.

CNN: Debt debate cheat sheet

Where are we with the debt debate? After a weekend of no agreement, here's your simple guide to the plans in play right now, even as the playing field changes rapidly.

CNN: ATF 'stonewalled' agents on botched gun probe, report says

U.S. officials kept their Mexican counterparts in the dark about a widely criticized gun-trafficking probe even as rising numbers of weapons reached the hands of Mexico's drug cartels, a congressional committee reported Tuesday.

CNN: Obama: 'I need a dance partner' on immigration reform

America's immigration system is broken, but only a bipartisan political movement can fix it, President Barack Obama said Monday. …Speaking at the organization's annual conference in Washington, Obama said passing immigration reform measures will require support from both sides of the aisle in Congress.

NATIONAL

For the latest national news: http://www.CNN.com

CNN: FAA: Congressional inaction forces furloughs, major project delays

Thousands of employees have been furloughed and dozens of major projects put on hold after Congress failed to reauthorize funding for the Federal Aviation Administration, the agency said Monday. Air traffic controllers will remain on the job, but the furloughs have hit many engineers, scientists, computer specialists, community planners and others.

CNN: California enacts law letting illegal immigrants pay in-state tuition

A law signed by California's governor Monday specifies that undocumented immigrant students in the state can be eligible for cheaper in-state tuition rates. The DREAM Act, which was signed by Gov. Jerry Brown on Monday in Los Angeles, is distinct from, if related to, a federal effort of the same name.

NPR: Study Shows Racial Wealth Gap Grows Wider

There's long been a big gap between the wealth of white families and the wealth of African-Americans and Hispanics. But the Great Recession has made it much worse — the divide is almost twice what it used to be. …The average wealth of a white family in 2009 was 20 times greater than that of the average black family, and 18 times greater than the average Hispanic family.

USA Today: Gulf oil spill victims weary of wait for payouts

Robert Campo once believed the TV commercials by oil giant BP that promised to "make it right" and compensate those along the Gulf Coast who lost work during last year's disastrous oil spill. …Campo joins a chorus of local fishermen, seafood processors, hoteliers and others who say that nearly a year since it opened its doors, the Gulf Coast Claims Facility that administers the BP fund has not moved fast enough to pay those hurt most by the spill.

CNN: Far right domestic terrorism on par with foreign threat, experts say

The threat of domestic terrorist attacks in the United States similar to last week's fatal bombing and assault in Norway is significant and growing, analysts said Monday. …While extremist animal rights and environmental groups also pose threats, those groups either have not tended to seek to kill or have only targeted individuals, according to researchers.

INTERNATIONAL

For the latest international news: http://edition.cnn.com

CNN: U.N., donors meet on Somalia famine as aid groups seek more help

The World Bank has pledged more than $500 million for famine victims in Somalia as the United Nations met in emergency session Monday to address the aid response in Somalia, the hardest-hit nation in the region.

CNN: Suspect's father: Anders Breivik 'should have taken his own life'

The father of massacre suspect Anders Behring Breivik said his son should have killed himself instead of allegedly going on the killing rampage that left 76 people dead. "In my darkest moments, I think that rather than killing all those people, he should have taken his own life," Jens Breivik said in an interview with Norway's TV2. He said he also believes his son has mental issues.

CNN: Libya's Zlitan becoming a front-line city

Firefighters battled a blaze caused by NATO airstrikes at a food-storage complex Monday in Zlitan, increasingly a front-line city in the conflict between Libyan government troops and rebels fighting to oust longtime ruler Moammar Gadhafi.

Financial Times: Chinese fighter jets ‘repel’ US aircraft

Two Chinese fighter jets crossed an unofficial dividing line in the Taiwan Strait late last month in pursuit of a US spy aircraft, according to defense sources in Taipei and Beijing. The incident marked the first time in more than a decade that Chinese military aircraft have entered Taiwan’s side of the 180km-wide strait.

CNN: Vatican recalls envoy to Ireland over priest abuse scandal

The Vatican on Monday recalled its envoy to Ireland in the wake of a blistering report accusing church leaders of covering up extensive abuse of young people by priests. Archbishop Giuseppe Leanza was recalled to Rome "for consultations with the (Vatican) Secretariat of State," the official Vatican Information Service said in citing a statement from the Roman Catholic Church's leadership.

BUSINESS

For the latest business news: http://www.CNNMoney.com

Bloomberg: Dollar, Treasuries Fall on U.S. Debt Outlook

The dollar sank to a record low versus the Swiss franc and Treasuries fell as President Barack Obama and House Speaker John Boehner struggled to agree on the U.S. debt limit. Asian stocks rebounded as companies from Canon Inc. to Baidu Inc. forecast improving earnings.

CNNMoney: LulzSec and Anonymous are the least of your hacker worries

LulzSec took down the CIA's website in mid-June in an effort to prove to the world that the hacker group should be taken seriously. But in the truly grand ecosystem of cybercriminals, LulzSec, Anonymous, AntiSec and other so-called "hacktivist" organizations are much more of a nuisance than a serious threat. They're fringe groups that are by far the least worrisome of all cyber attackers.

New York Times: Federal Auditors Will Soon Review Health Insurance Rates in 10 States

The Obama administration will soon take over the review of health insurance rates in 10 states where it says state officials do not adequately regulate premiums for insurance sold to individuals or small businesses. At least one state, Iowa, has protested the federal decision and asked administration officials to reconsider.

In Case You Missed It…

One U.S. diplomat says the debate on raising the debt limit is tarnishing the U.S. image abroad. Jill Dougherty reports.

http://www.cnn.com/video/#/video/bestoftv/2011/07/25/exp.tsr.dougherty.debt.image.cnn

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Obama, Boehner Announce Agreement to Raise Debt Ceiling, Avoid <b>...</b>

ABC News' Z. Byron Wolf (@zbyronwolf) reports: It took the threat of economic collapse and a long, contentious negotiation -- and there will still be votes in Congress before it's truly done -- but lawmakers from both ...

Obama, Boehner Announce Agreement to Raise Debt Ceiling, Avoid <b>...</b>

Negotiating All But Done for $2.7 Trillion Deficit Reduction Deal <b>...</b>

Sources from both parties tell ABC News that the major potential roadblock in deficit negotiations-- the triggers -- are now essentially agreed upon. The plan is for the House to vote on this tomorrow, assuming all goes ...

Negotiating All But Done for $2.7 Trillion Deficit Reduction Deal <b>...</b>

VICE PRESIDENT BIDEN <b>NEWS</b> ! « Gretawire

If you think this is a “done deal,” think again. Vice President Biden is expected to speak in the House of Representatives. You know that would not be happening if [...]

VICE PRESIDENT BIDEN <b>NEWS</b> ! « Gretawire