JPMorgan to cut up to 17,000 jobs by end of 2014

NEW YORK (Reuters) - JPMorgan Chase & Co said on Tuesday that it plans to cut 17,000 jobs by the end of 2014, representing about 6.6 percent of the company's overall workforce, as the bank sheds staff that helped it deal with bad home loans.

The bank is optimistic that it can generate record income this year and is planning to add 4,000 employees in commercial and investment banking and credit cards to help it win business, bank executives said at an investor conference.

That hiring will be more than offset by job cuts in areas like mortgage servicing and retail banking, where the bank is positioning for a recovering housing market and new forms of branch banking. The net impact of the additions and cuts will be 17,000 fewer employees on the bank's payrolls.

The job cuts reflect the pressure that banks are under, even as the U.S. housing market and overall economy show signs of recovery. Many banks are looking to automate more of their businesses to make their staff more productive and improve profits.

For example, at JPMorgan's branches, where it plans to cut about 6,000 tellers and other employees, the bank hopes customers will use automated teller machines for every day transactions and that remaining staff can focus on higher-margin activities like selling wealth management services.

JPMorgan is one of the few big U.S. banks that is still adding branches to its network, but it is hoping to staff the branches with fewer workers. The bank's 5,614 branches have 63,500 employees, representing about a quarter of JPMorgan Chase's total. Chase's branch network is second to Wells Fargo & Co's in size.

For overall staffing levels, JPMorgan Chase had 258,965 employees globally at the end of 2012. Its headcount rose following the financial crisis to 262,882 in the second quarter of 2012 from 219,569 in the first quarter of 2009. Since last year's second quarter, staffing levels have drifted lower.

JPMorgan Chase overall earned $21.9 billion last year, excluding accounting charges linked to changes in the value of its debt. The bank said it has the potential to earn about $27.5 billion, thanks in part to efficiency gains. It aims to cut overall expenses by $1 billion in 2013.

To reach the $27.5 billion profit figure, the bank is also counting on costs for lawsuits to fall as disputes over bad mortgages are resolved, as well as seeing a one percentage point rise in interest rates, said Chief Financial Officer Marianne Lake.

The profit scenario also depends on the bank not being hit by another trading debacle like the $6.2 billion loss last year on derivatives trades placed by the London Whale, the nickname given a London-based JPMorgan trader for the size of the positions.

Chief Executive Jamie Dimon acknowledged that many of his top lieutenants who spoke to investors on Tuesday were in new jobs after changes he made last year in his management team and the bank's divisions.

"It is a little bit too much change in one year," Dimon said. "Some of it was the Whale. Some of it was the re-org" to better align product divisions with customer interests, he said.

All of the top executives, however, have been at the company several years and know its businesses, Dimon said.

JPMorgan Chase shares were down 0.2 percent at $47.60 at the close of trading on Tuesday on the New York Stock Exchange.

(Reporting By David Henry; Additional reporting by Rick Rothacker in Charlotte, North Carolina; Writing by Dan Wilchins; Editing by Gerald E. McCormick, John Wallace and Matthew Lewis)

Source: http://news.yahoo.com/jpmorgan-chase-cut-4-000-jobs-2013-010505461--sector.html

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The publishing industry has a problem, and EPUB is not the solution ...

This article contains my personal views, not those of my employer Lonely Planet.

I?ll be blunt. Ebooks and EPUB are to the publishing industry what Blu-Ray is to the movie industry: a solution to yesterday?s problem made irrelevant by broader change in the industry. Both have a couple of years left in them, and there?s good money to be made while the kinks get worked out from the alternatives, but the way the wind is blowing is clear.

Whenever someone proposes EPUB as a solution, ask yourself a question: what?s the problem they?re trying to solve? As a standard drafted by the?IDPF, a self-proclaimed ?organization for the Digital Publishing Industry?, EPUB is built squarely to address the industry?s biggest headache: ensuring that, in the digital age, they retain the ability to charge money for distributing content. The best interests of authors or readers simply do not figure in the equation.

EPUB is thus built around the premise that ebooks should be just like physical books and Blu-Ray discs. You?re expected to buy a copy in a store, bring it home with you, read or watch it, and then keep it in your personal library. As far as publishers are concerned, the only difference (or, rather, threat) is that readers can copy ebooks too easily. Since this poses a risk to the venerable business model of selling individual copies, ebooks must be deliberately made defective through digital restrictions management ? regardless of the inconvenience posed to readers, who now find themselves trapped in a completely absurd, purely artificial maze of incompatible formats and geographical restrictions.

But all it takes to yank the carpet from underneath the house of cards is a change to one assumption: what if the book is free? You don?t need a shop to buy it from anymore, because you do not need to pay. You can make all the copies you want, since there is no revenue to be lost. In fact, you no longer even need to take home and hoard your own precious copy, because you can grab one whenever you want, chuck it out when you?re done and get another one later if fancy strikes.

From a publishing industry viewpoint, that?s pure crazy talk, because it demolishes their current business model. But from a web point of view, it?s the way things are expected to work, and it?s in fact precisely how you?re reading this article. As an author on the Web, I have access to a huge range of tools to get my content out there, actively worked on in a massive developer community, and an entire spectrum of ways to try to make money if I so choose. And as a reader, the Web gives me unfettered access to a vast amount of things to read, and I can read them on the latest, shiniest browser out there.

Compare this with EPUB, which?cannot be created without specialised tools and knowledge and?cannot be read out of the box on any major browser. Existing implementations for writing and displaying EPUB are immature?and widely loathed by developers, who will not touch it unless they happen to work for a publisher that forces them to. As a casual datapoint, a search through my (publishing-biased) LinkedIn network finds 4,900 people who claim enough knowledge of EPUB to put it on their profiles, compared to 110,000 for HTML5 and an incredible 1,400,000 for plain HTML. While EPUB 3?s decision to inhale the ever-evolving HTML5 standard wholesale is probably the lesser evil compared to futilely attempting to lock it down, the sheer disparity in these numbers also means that it is doomed to playing an endless game of catch-up, while the open Web races ahead. IDPF?s wish for EPUB to someday become ?the portable document format for the Open Web? may be sincere, but for the time being, is anybody?actually using it?for anything beyond ebooks?

EPUB?s second advantage from a publisher?s point of view is that, by imposing a straitjacket of strict XHTML on the book?s contents and pruning away some of the wilder excesses of raw HTML, it has made it somewhat easier to reproduce ebooks reliably on single-purpose ebook reading devices that lack the oomph to run a full-fledged browser. However, Moore?s law means that ever-cheaper, ever-faster multipurpose tablets with browsers that can handle anything thrown at them are becoming more popular by the day. On the other side of the equation, the aforementioned decision to adopt the full bloat of HTML5 means that full EPUB compliance will actually be?harder?than merely supporting the Internet at wide. (From personal experience, I can tell you that mapping a pinpoint onto a map or flowing text into two columns, both trivial exercises in modern browsers, are virtually impossible to implement portably in EPUB 3.)?Even?EPUB 2 is a standard only on paper: Lonely Planet is currently forced to produce three different flavours of EPUB 2, each targeted at different vendors, plus KF8 for the uncooperative thousand-pound gorilla of the market, Amazon?s EPUB-hating Kindle.

The final advantage often ascribed to EPUB is that it serves as a handy package for everything beyond the text: it offers a clear structure for including images and other media, and?it?defines a clear way for specifying metadata like a table of contents and publication dates. Technologically, none of these is a unique advantage: both?vector?and?raster?images can be embedded directly in HTML,?the?meta tag?has been around since the dawn of HTML, and the?document outline semantics?needed to reliably build a table of contents have been a part of the HTML5 standard for a while now and are supported to varying but ever-increasing degrees by modern browsers.

The inescapable conclusion is that, within a few years,?EPUB will offer no benefits over existing solutions. Do you wish to reproduce a paper document with perfect fidelity? ?PDF cracked that nut years ago. Do you want to distribute a standalone written document, like a report or a novel, in a format that readily adapts itself to any device? ?HTML is the way to go. And if you?re publishing a complex, interactive, data-driven and thus ever-changing website, EPUB doesn?t even try to fit the bill.

Source: http://toc.oreilly.com/2013/02/the-publishing-industry-has-a-problem-and-epub-is-not-the-solution.html

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Obama, top lawmakers to meet Friday on budget cuts

WASHINGTON (AP) ? The White House conceded Wednesday that efforts to avoid automatic budget cuts are unlikely to succeed before they kick in and is initiating new talks with congressional leaders to confront seemingly intractable tax-and-spend issues.

President Barack Obama will meet at the White House Friday with House and Senate leaders of both parties several hours after the deadline for averting the cuts, known in Washington-speak as a "sequester," has passed. This would put the White House and Congress essentially in the position of looking past the cuts to the next looming fiscal showdown: A March 27 deadline to continue government operations or force a government shutdown.

White House spokesman Jay Carney said the White House talks, arranged Tuesday, are designed to be a "constructive discussion" about how to keep the cuts from having harmful consequences. Obama has been calling for a mix of spending cuts and tax increases to achieve deficit reduction goals.

The White House has warned that the $85 billion in cuts could affect everything from commercial flights to classrooms and meat inspections. The cuts would slash domestic and defense spending, leading to forced unpaid days off for hundreds of thousands of government workers.

The impact won't be immediate. Federal workers would be notified next week that they will have to take up to a day every week off without pay, but the furloughs won't start for a month due to notification requirements. That will give negotiators some breathing room to keep working on a deal.

The Senate planned to vote on a Democratic stop gap measure on Thursday that would forestall the automatic cuts through the end of the year. It would replace them with longer-term cuts to the Pentagon and cash payments to farmers, and by installing a minimum 30 percent tax rate on income exceeding $1 million.

But Republicans oppose tax increases and will likely block the measure. Carney argued that such opposition would mean the cuts, known as a sequester in budget terms, would be the responsibility of Republicans.

Senate Republican leader Mitch McConnell said Friday's session will focus on ways to reduce government spending, but he also said he will not back down on his opposition to any new revenues. McConnell, along with House Speaker John Boehner, Senate Democratic leader Harry Reid and House Democratic leader Nancy Pelosi, will attend meeting at the White House.

"We can either secure those reductions more intelligently, or we can do it the president's way with across-the board cuts. But one thing Americans simply will not accept is another tax increase to replace spending reductions we already agreed to," said McConnell, R-Ky.

Carney said Obama also spoke briefly with congressional leaders Wednesday ahead of a ceremony in the Capitol to unveil a statue of civil rights heroine Rosa Parks. Obama and House Speaker John Boehner jointly led the unveiling, standing with the statue between them as they grasped and pulled in opposite directions on the braided cord that held the covering.

With the cuts now imminent, the administration continued its campaign Wednesday to cast them in dire terms. Education Secretary Arne Duncan appeared in the White House briefing room to detail what he described as bad choices in reducing assistance to schools and early childhood programs.

"The only choice I can make would be to hurt fewer poor children and help more special needs kids, or do the opposite," Duncan said. "It's a no-win proposition."

He said the first to feel the pinch will be school districts in and around military bases and Native American reservations, entities which receive direct federal aid to make up for lower local property taxes.

Duncan's remarks came a day after the Department of Homeland Security announced that the forced cuts had prompted the federal immigration enforcement agency to start releasing illegal immigrants being held in immigrant jails across the country.

Carney on Wednesday said the decision was made by career immigration and customs enforcement officials, without input from the White House.

Friday's meeting reflects a move to jumpstart negotiations after weeks of inaction on cuts that both parties have said could inflict major damage to government programs, the military and the economy at large. No serious talks to avert the cuts have been under way, and Friday's meeting will be the first face-to-face discussion between Obama and Republican leaders this year.

Republicans were considering offering a measure that would give Obama authority to propose a rewrite to the 2013 budget to redistribute the cuts. Obama would be unable to cut defense by more than the $43 billion reduction that the Pentagon currently faces, and would also be unable to raise taxes to undo the cuts. The GOP plan would allow the Obama proposal to go into effect unless Congress passed a resolution to overturn them.

The idea is that money could be transferred from lower-priority accounts to accounts funding air traffic control or meat inspection. But the White House says that such moves would only offer slight relief. At the same time, however, it could take pressure off of Congress to address the sequester.

In the House, where Republicans in the last Congress passed legislation to replace the cuts, Boehner has said it's now up to Obama and the Senate to figure a way out. The Senate never took up the House-passed bills, which expired when the new Congress was seated in January.

Source: http://news.yahoo.com/obama-top-lawmakers-meet-friday-budget-cuts-150046443--politics.html

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Gas price spikes don't leave lasting damage

John W. Schoen , NBC News ? ? ? 2 hrs.

The recent run-up in gasoline prices has some economists ? including Federal Reserve Chairman Ben Bernanke ? worried about the impact on consumer spending and the economy.

It?s a perennial concern. When gas prices spike, as they have done in the past few weeks, the extra money you pay at the pump forces you to cut spending on other things. That takes a bite out of overall consumer spending, which fuels roughly 70 percent of the U.S. economy. Slower spending means slower growth.

But the longer-term impact is not as great as some forecasters would have you believe. Here?s why:

Why is Chairman Bernanke soworried?

He?s concerned mostly because the economy isn?t growing as fast as it should be this far into an economic recovery. For reasons that most economists believe are temporary, the U.S. gross domestic product ground to a screeching halt in the last three months of last year. Bernanke and his Fed policy colleagues have been doing everything they can to get the economy moving ahead. But unemployment remains stubbornly high and near-zero interest rates don?t seem to be working.

In his Congressional testimony Tuesday on the state of the economy, Bernanke worried out loud that one reason for the slow growth is that higher gasoline prices ?are hitting family budgets.?

So how hard do budgets get hit by higher gas prices?

In the short term, gas price spikes can have an bigger impact than they should, largely because gasoline is one of the few commodity prices consumers track so closely. (Quick: how much does a loaf of bread cost at your local grocery store?)

An opinion poll conducted last week by the National Association of Convenience Stores found that 44 percent of consumers said that gas prices have a "great impact" in how they feel about the economy, up from the 38 percent who felt that way in January.

See? Bernanke?s right.

In the short-run, yes, a gas price spike can slow the economy ? a little. But over the long run, the impact is not all that great. To see why, we?re going to have to do a little math.

American drivers burn through about 350 million gallons of gasoline a day this time of year, at a cost of a little over $400 billion a year. Pump prices bottomed in December (as they usually do every year) at $3.32 a gallon and then shot up by 53 cents to an average of $3.85 a gallon nationwide, according to the latest Department of Energy figures. (We're using the data for all formulas, all grades.) This year, that seasonal rise has come earlier, and quicker, than usual.

If that increase held through the rest of the year, the hit to spending would be about a half percent of GDP. With an economy that?s only growing about 2 percent a year, that?s a fairly big number.

But that math doesn?t account of the savings consumers enjoy when gas prices fall. For the past three years, prices have bounced in a range between about $2.75 and $4.00 a gallon. The three-year average has been $3.43 a gallon. If you use that price as a starting point, the recent increase ? even if sustained for a full year ? would only knock about two-tenths of a percent from GDP.

Those numbers don?t look right. I?m paying a lot more than that at the pump, and it?s taking a big bite out of my paycheck.

Again, these are averages. For some people, the impact is much more severe. California drivers are paying $4.20 a gallon on average. If you live 30 miles from the nearest grocery store, you?re going to feel the impact of every extra penny a lot more than someone who commutes to work by subway.

Lower-income households feel the impact much more than those further up the income ladder. On average, roughly 5.5 percent of American household budgets go to pay for gasoline. But gasoline bills eat up a bigger portion of the weekly budget for those in the bottom quintile that for those at the top.

But gas prices hurt more than other price increases because I can?t cut back on driving.I have to get to work. What am I supposed to do?

You?re right. For most Americans, especially outside of major cities, gas price spikes are extremely painful because it?s very difficult to cut back in the short run. But over time, drivers can ? and do ? respond.

The long-term rise in gasoline prices over the past decade ? and the pain of sudden spikes ? is one of the biggest reasons that the consumption of gasoline has been falling since August 2007. Americans have been burning through about four percent less gasoline every year since then - even as the number of cars and trucks on the road continues to increase. Thanks to improvements in engine technology, higher-mileage government mandates and strong consumer demand for fuel-efficient cars and trucks, that trend is expected to continue.

Demand for those higher-mileage vehicles has, in turn, spurred a surge in consumer spending on new cars, a category has been an important source of strength for the U.S. recovery. That improvement in the overall mileage of the U.S. fleet has, in turn, helped offset the impact of gas price spikes.

Since bottoming in the first quarter of 2010, new car sales have zoomed ahead ? up nearly 60 percent to $103 billion in the final three months of 2012. About two-thirds of that money went to domestic car makers. Light truck sales have jumped 40 percent, to more than $140 billion for the latest quarter.

The boom in sales is coming partly because drivers deferred buying during the recession. But they?re also snapping up new models with better gas mileage that will continue to reduce consumption ? and blunt the economic impact of future gas price spikes.

Source: http://www.nbcnews.com/business/economywatch/gas-price-spikes-dont-leave-lasting-economic-damage-1C8564099

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Officials: Iran widens use of clandestine oil tankers

Tim Chong / Reuters file

The Delvar, a Malta-flagged Iranian crude oil supertanker, is seen anchored off Singapore on March 1, 2012.

By Jonathan Saul, Reuters

LONDON - Iran is using old tankers, saved from the scrapyard by foreign middlemen, to ship out oil to China in ways that avoid Western sanctions, say officials involved with sanctions who showed Reuters corroborating documents.

The officials, from states involved in imposing sanctions to pressure Iran to curb its nuclear program, said the tankers - worth little more than scrap value - were a new way for Iran to keep its oil exports flowing by exploiting the legal limitations on Western powers' ability to make sanctions stick worldwide.

Officials showed Reuters shipping documents to support their allegation that eight ships, each of which can carry close to a day's worth of Iran's pre-sanctions exports, have loaded Iranian oil at sea. Publicly available tracking and other data are consistent with those documents and allegations.

"The tankers have been used for Iranian crude," one official said. "They are part of Iran's sanctions-busting strategy."

---

Dimitris Cambis, the Greek businessman who last year bought the ships - eight very large crude carriers, or VLCCs - to carry Middle East crude to Asia, flatly denied doing any business with Tehran or running clandestine shipments of its oil to China.

Cambis said he had not been involved in shipping before but had bought the tankers as part of a new venture he runs from the United Arab Emirates. He denied trading with Iran - though he has contacts there from his previous work in the oil industry.

Related story:?Skulduggery at sea: Iran uses tankers off Malaysia to evade oil embargo

He denied his vessels have loaded oil from Iran while at anchor in the Gulf. Known as ship-to-ship transfers, or STS, such movements are hard to track as crews can switch off tracking beacons or not update their recorded positions for periods to conceal that one vessel has come alongside another.

Cambis also explained a stop in Iran by one of his tankers - recorded in publicly available tracking data - as having been only for an emergency repair, not to load an oil cargo.

"There is no Iranian vessel that has done any STS with us," Cambis told Reuters in Athens in response to the officials' allegations of taking oil from Iranian tankers owned by Tehran shipping group NITC. "We have nothing to do with NITC."

The officials involved with sanctions dispute his account and showed documents detailing several ship-to-ship loadings. They said all eight of the tankers were involved in Iran trade.

In one instance in early December, according to the shipping documents shown to Reuters by the officials, an NITC tanker named Marigold loaded Iranian crude onto the Leycothea, one of Cambis's eight ships, while both were at anchor off the UAE emirate of Sharjah. Public tracking showed Cambis's tanker made a call about a month later to Zhanjiang oil terminal in China.

Loading at sea lets vessels pick up a cargo without visiting the country of origin of the crude. Officials allege the tankers are also used as offshore storage for Iranian oil which can then be transferred onward to other ships, concealing its origins.

Officials in Iran, which rejects Western allegations it is seeking nuclear weapons, did not respond to requests for comment.

Muddying waters
Experts on sanctions law said that by operating outside the European Union, ship-owners had no clear obligation to observe rules barring EU companies from buying Iranian oil, though banks and insurers with EU or U.S. business ties are giving a wide berth to firms they suspect of dealing with Iran, given U.S. and EU efforts to penalize such firms within their own jurisdiction.?

"Such ships would be used to delete traces of a trade taking place," a London-based ship broker said.

While Iran has its own substantial tanker fleet, capable of carrying over 72 million barrels, the 2 million barrels that each of the eight tankers can move would be a useful addition to its capacity, analysts said - particularly as their foreign ownership and management could help conceal the Iranian origin of the oil, making it easier to obtain insurance, finance and other ship services that are affected by EU and U.S. sanctions.

Cambis said that between August and November he bought the eight ships: Leycothea, Glaros, Nereyda, Ocean Nymph, Seagull, Zap, Ocean Performer and Ulysses I. The first five are now managed by his firm, Sambouk Shipping, in Sharjah and he is in the process of transferring management of the remaining three.

In other movements indicated by the shipping documents, the Nereyda was also involved in a separate ship-to-ship transfer with NITC's Rainbow in the Gulf in November, while the Glaros took an offshore transfer from the Marigold there in December.

The Nereyda was later recorded arriving at a terminal in China in December. The Glaros appears to have remained in the Gulf since that December transfer, according to tracking data.

Asked about publicly available ship tracking data showing that the Glaros stopped at Iran's Larak Island oil terminal on October 20 last year, Cambis provided what he said was an affidavit by the ship's master describing an emergency repair carried out by Iranian divers when the tanker was headed to Saudi Arabia.

The master, named as I. Bonoutas, could not be reached for comment. Cambis denied loading any oil in Iran. After its stop at Larak, Glaros's next recorded visits, according to ship tracking data, were at Chinese ports between November 24 to December 1.

The eight tankers, built up to 20 years ago, can carry about 16 million barrels of oil among them, shipping databases show.

Iranian crude exports declined to an average of 1.5 million barrels per day (bpd) in 2012, down about 1 million bpd from 2011 levels, data from the International Energy Agency showed.

NITC blacklisted
The eight tankers were bought last year for a total of about $204 million, ship trading sources said - reflecting prices only 3-4 percent above their worth as raw metal. The purchases have been the object of considerable discussion among ship brokers - not least because they would more typically have been broken up.

A ship dealer based in London said, however: "They can carry on trading for as long as people are willing to employ them.

"There's really not much that any authorities can do."?

NITC has been blacklisted by the West and the EU has imposed an outright ban on providing ship insurance that would benefit Iran. The exit from Iran of top providers of ship certification, vital for port access, and the removal of Iranian vessels from international registries have added to operational challenges.

While NITC has expanded its fleet in recent months, experts say access to additional foreign tankers would give Tehran more flexibility in maintaining exports.

"The key word for the Iranians is resistance as in the Supreme Leader's declaration of a resistance economy," said Scott Lucas, a specialist on Iran at Birmingham University.

"This is not an economy which is going to produce growth but it is one which is going to try and avoid a domestic collapse."

More related stories

Copyright 2013 Thomson Reuters. Click for restrictions.

Source: http://usnews.nbcnews.com/_news/2013/02/26/17105999-iran-widens-use-of-clandestine-tanker-fleet-to-bust-oil-sanctions-international-officials-say?lite

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No signs of progress in world powers' talks with Iran: agency

Apple (AAPL) shares got a boost Tuesday afternoon on rumors that the company may announce a split on Wednesday during its annual shareholder meeting. The rumor comes from former money manager and current TheStreet.com contributor?Douglas Kass, who did not disclose his source. ?High above the Alps my Gnome is hearing a rumor that Apple will announce a stock split at tomorrow?s shareholder meeting,? Kass wrote in a post on Twitter, providing no further details. Apple shares rose more than 1.4% on the rumor after nearing a new closing low.

Source: http://news.yahoo.com/no-signs-progress-world-powers-talks-iran-agency-063918422.html

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Choosing A Tattoo Design | Arts & Entertainment

Individuals had actually been making use of marks on their body to represent many points. At very early times, individuals made use of these marks to represent their loyalty to the tribe they belong and for many various other reasons. However now, tattooing is the representation of one?s individuality. Tattooing is gaining popularity and coming to be much more accepted in the culture. Therefore, people are acquiring out in a rush to obtain long-lasting ink on their body with the first ? concept? that concerns their thoughts. However, do not fail to remember the fact that a tattoo style is for life, and you need to look at a couple of hints prior to making a long-lasting mark on your body that shows your individuality.

Picking a tattoo style is a hard process. You need to bear in mind that the tattoo style you pick is for life, and the elimination is incredibly pricey. You need to be satisfied whenever you figure out that style on your body. So, believe sensibly prior to picking the tattoo style, and do not fail to remember to look at, where to place that tattoo.

Tips To Choose Your Tattoo Design:

No Names ? Try not to engrave labels of your relatived?s in your body. You might not have the exact same sensations and accessory to that person after 10 or 20 years.

Believe Back ? Think back 20 years and you then feel that you didn?t require a tattoo, then do not obtain tattoo now. There is a opportunity that you might regret acquiring it after 20 years.

Stop Following Trends ? Trends undergo alter at any type of time. If you discover something fashionable at one point of your life, might not be so after 10 or 20 years.

Think Forward ? The tattoo style on your body might not look the exact same when you are old and wrinkled.

Choose tattoo designs that represent your personality. Consider your hobbies, career, talents, etc.

If you are choosing tattoo designs for appearance and trend, try to get traditional designs like stars, flowers, animals, and angels which never go out of trend.

Pick an artist that has a good encounter in tattooing.

Oriental characters are a good choice, if you like significance in the style.

If you enjoy a style too much which does not have an internal significance, go obtain it. Even if it?s Mickey computer mouse or Donald duck.

If you consider eliminating the tattoo prior to it?s done, attempt to avoid multicolored tattoo styles. Colored inks are incredibly tough to eliminate and call for numerous procedures, more ache and more cash. Black ink is the most convenient to eliminate. Yellow is almost impossible and green is incredibly difficult to eliminate. So, opt for black if you want to remove it in future.

If you feel a bad perception on the style or the artist, do not go via with it.

Face, hand and feet call for more time to recover correctly and require more touch-ups. It will certainly be much more costly too.

Try short-term tattooing prior to choosing the long-lasting.

Pain Variable:

One of the most common inquiry asked by the people prior to tattooing is ?where does it hurt the most??. However there is no particular rule for this concern. According to the viewpoints of different people, I had actually listed some concepts:.

Least Uncomfortable Locations:

Guy ? Arm, Back, Butts.

Women ? Abdomen, Thigh, Buttocks, Shoulder Most Painful Areas;

Guy ? spine, chest, abdominal areas.

Women ? ankle, ribcage, spine.

You can do research on locating the excellent tattoo style for you. There are many tattoo connected magazines and many photos available on internet. Whatever style you obtain tattooed on your body, the perception of various other people will certainly be depended on it. So, if you like to make a good visuals in people?s eyes, obtain a style that matches your individuality.
Visit for more information. Tattooing

Source: http://www.theyellowads.com/arts_entertainment/choosing-a-tattoo-design/

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