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Source: http://www.nytimes.com/2012/09/30/business/when-banks-erase-a-debt-that-isnt-there.html
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Today?s church statement comes a day before the women?s first appeal since they were convicted on hooliganism charges and sentenced to two years last month.
The church said that if the women make statements showing ?penitence and reconsideration of their action?, they ?shouldn?t be left unnoticed?.
Earlier this month, Russian prime minister Dmitry Medvedev said that keeping them in prison any longer would be ?unproductive? ? a statement that encouraged hopes the appeals court could set them free.
But sceptics pointed at the Kremlin?s ongoing crackdown on dissent, saying that their release would be unlikely.
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For Immediate Release
September 28, 2012
Contact:? Steve Ralls
(202) 347-7007 / sralls@immigrationequality.org
Immigration Equality Praises Obama Administration for New, Written Guidance Providing Discretionary Relief to Lesbian & Gay Immigrant Families
Extension of Prosecutorial Discretion Follows Calls for Relief from Congressional Leaders
Washington, DC ?Immigration Equality today praised the Obama Administration, and specifically the Department of Homeland Security (DHS), for new, written guidance that will extend discretionary relief to lesbian, gay, bisexual and transgender (LGBT) immigrants with U.S. citizen spouses and partners. The new written directive, which was announced in response to a Congressional letter spearheaded by Minority Leader Nancy Pelosi (D-CA) and Congressman Jerrold Nadler (D-NY), marks one of the very first times LGBT families have been recognized within federal immigration policies. The guidelines, which are expected to be distributed soon to field offices across the country, will instruct officers and field agents to recognize LGBT families for purposes of relief as defined by a June 2011 memo from Immigration and Customs Enforcement Director John Morton.
?This is a huge step forward,? said Rachel B. Tiven, executive director of Immigration Equality. ?Until now, LGBT families and their lawyers had nothing to rely on but an oral promise that prosecutorial discretion would include all families. Today, DHS has responded to Congress and made that promise real. The Administration?s written guidance will help families facing separation and the field officers who are reviewing their cases.?
In the June 2011 memo from Director Morton, the Department of Homeland Security spelled out factors ICE officers should consider when deciding which immigration cases are classified as ?low priority? for removal. Those guidelines included family ties to a U.S. citizen. DHS stated verbally in August of last year that it intended for the ?family? guidelines to be LGBT-inclusive, but it had not previously distributed written guidance codifying that intent to field offices.? In a letter yesterday to the 84 Members of Congress who demanded written guidelines, the Administration said it intends to do so.
?In an effort to make clear the definition of the phrase ?family relationships,? I have directed ICE to disseminate written guidance to the field that the interpretation of the phrase ?family relationships? includes long-term, same-sex partners,? Homeland Security Secretary Janet Napolitano wrote.
?The new guidelines will put in writing a commitment the Administration has expressed over the past year,? said Tiven. ?Now, the courts and Congress should act to make relief permanent, and provide access to green cards for all LGBT families.?
# # #
Immigration Equality is a national organization fighting for equality under U.S. immigration law for lesbian, gay, bisexual, transgender, and HIV-positive individuals.
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Although most big banks are pulling the plug on free products and services, credit unions throughout the country continue to offer many for free. See what you are missing if you haven?t joined yet.
Kiss free checking goodbye if you still bank with one of the big giants. Bankrate.com says that the average service charge on non-interest bearing checking accounts is at an all time high of $5.48--up 25% from the previous year. Only 39% of the banks Bankrate.com polled now offer non-interest bearing free checking.
Also the days of keeping the bare minimum in your account are over at big banks--now the average minimum balance to avoid the fee has increased to $723, up 23%.
Although free checking appears to be almost non-existent at big banks, Bankrate.com surveyed 50 of the nation?s credit unions and found at least 72% still offer free checking with no required minimum balance.
Free checking, along with a smattering of other free products and services is what sets credit unions apart from fee happy big banks, says Carrie O?Connor, SVP/Lending Services at CommunityAmerica Credit Union ($1.5 billion, Lenexa, KS). ?As a dedicated advocate of financial education, CommunityAmerica is proud to offer our members financial coaching and credit counseling, free of charge,? she says.
?Our members currently also enjoy free checking accounts, as well as free online banking, free online bill pay, free mobile banking, free teller services and free shared branching services. It?s also worth noting our credit cards don?t have an annual fee and we have lower balance requirements to open CD?s ($500 minimum) and Money Markets ($1,000 minimum) than most banks.?
For members at SACU ($2.9 billion, San Antonio, TX), the choice is easy. ?The average checking monthly fee is $7 to $10 monthly (fees can be higher depending on bank),? explains Paige Ramsey-Palmer, APR, Corporate Communications Officer. ?The NSF fees are typically higher at banks compared to $25 courtesy pay/NSF fee. Typically, banks charge a fee if you don't maintain a minimum balance (normally higher than CU). However, SACU offers several free deposit products that don't require a minimum balance.?
Ramsey-Palmer says for those who choose the credit union?s popular, myGeneration Checking, members can earn a higher dividend rate on balances up to $25,000 if they meet certain criteria. ?The dividend rate is significantly higher than regular savings and somewhat higher than our money market account rate, so this could present not only a savings but also an earnings benefit to an account holder.?
Bankrate.com also reported that the average ATM surcharge increased by 4%--the eighth consecutive year of increases. Now, 100% of banks in the Bankrate.com survey said that they charge non-customers to use their ATM and many banks charge their own customers if they use another financial institution?s ATM. For customers paying fees on both ends, this could equate to an average of $4.07--just to use an ATM (up 7% from last year).
Credit union members are typically not charged a fee for using an outside ATM (by their own credit union) and members have free access to thousands of shared service centers worldwide. Additionally, many credit unions do not charge a fee when the member selects the ?cash back? option at point of sale. Of course every credit union is different so it?s important that members inquire about their credit union?s specific ATM program.
Big banks are trying to get the average consumer to think that he or she doesn?t have access to the same type of technology at a credit union.
Not true says Martindale. "There are credit unions that have apps for mobile banking, so you can't just assume that only the big banks have the convenience factor," she says.
Ramsey-Palmer says that her credit union?s mobile banking app has saved members both time and money. ?We rolled out GOTM, the mobile app from SACU, this summer. Members have reported significant time savings (and time = money) because they can check on balances, transfer funds and manage their accounts on the go. They also can use our GoDeposit feature to make a deposit, anywhere and anytime, rather than wait in drive-up lanes or in teller lines inside branches.?
Interested in avoiding costly bank fees? Join a credit union and hang onto more of your hard earned cash.
Source: http://www.creditunionsonline.com/news/2012/credit-unions-still-offer-free-checking-and-more.html
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Hi there, Gian here!
And with another great listing! As you may have seen in my sale history, I have accumulated a 6-figures worth of sales in the past while maintaining 100% positive feedback. Rest assured that you can bid with confidence.
This listing is for a business-to-business solution, a complete online advertising program and a large social media marketing network which allows business owners to increase targeted prospects to their website based on specific niches or locations. Services include: website traffic, Twitter followers, Facebook fans, YouTube views and directory submissions.
The business is 100% outsourced through numerous advertising networks and wholesale providers that we are connected to; order processes are fully automated all the way from order entry to order completion. This doesn?t require any manual work on admin side aside from answering a few support emails and approving new orders on a daily basis.
The ordering process is very convenient and fast for customers; once the customer chooses the advertisement package and proceeds to registration page, the customer is presented with a short registration form, or 3 quick login APIs through Yahoo, Google or Facebook which allows skipping registration and proceeding directly to the order page. Finally user is taken to the page where he/she can fill in website url and complete the order.
After the customer places an order for any package the campaign goes into ?Approval? mode until an admin chooses to activate the campaign from the administration panel. All actions made in the admin area for campaign status changes results in a notification to customers by email (i.e. campaign creation, activation, or completion). Also, all outgoing email contents can be customized from the admin area.
There has been over $30,000 invested for the custom script, unique design and content, videos, marketing, SEO etc. And countless hours of work done by myself, hired programmers, designers, marketers, copywriters, beta-testers.
My idea was actually to also sell the copies of script to other companies for more profit, however because of area of the interest has changed to different projects, I did not go further than building the script and using it on my own site. As the new owner will own exclusive rights to the script, it can be sold for ?$500 per copy ?easily. I have not sold any copies however, I got many inquiries.
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If you buy this business, it will refinance itself during 6-9 months, depending on your marketing know-how and efforts! It's a big opportunity, don't miss it.
What is included in the sale:
The sale includes: everything you see on our website, 3 domain names, custom design, custom script, databases, plus all accounts and agreements we have with advertising networks and wholesale providers that we outsource the work from and including:
Special Features:
Technical Features:
Operating Expenses;:
Traffic Details:
All the traffic the website gets is organic; most traffic comes directly from search engines and referrals such as affiliates, directories, social network sites etc. This website is not affected from any panda or penguin updates so far.
Keeping the site focused on long-tail keywords and fully utilizing white-hat SEO techniques that comply with all search engine guides while maintaining unique & professionally written content got this website pretty well ranked among all search engines.
Administration Panel Features:
As the admin area has too many features and functions to explain here, I will upload screen shots of administration pages which you can download on the right side of this listing under attachments. You will need to sign & fax us confidentiality agreement (NDA) first to see the attachments.
How much time does it take to operate this website?
This is one of the easiest e-commerce websites you can operate as far as managing the site; it is all virtual and the automated script does all the work for you! It has well-documented frequently asked questions which is very explanatory and that?s why we don?t get much pre-sales emails except for getting requests from some customers for custom orders.
It takes 30 minutes or less to take care of the daily tasks of approving orders from the administration panel. All it consists of is answering some questions through emails and getting a few inquiry phone calls from potential customers.
However, as the new owner you should keep writing unique articles, posting new tweets, releasing press releases etc. as part of keeping the website in good shape. By doing so, the rankings will hold and so will your income. I will walk you through step-by-step if you don?t know how to do all these tasks.
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Why are we selling?
This business has been very profitable. Due to having interest in new and much bigger ventures, I have decided to put this website for sale and invest the funds received from this sale in my new projects.
Do I need programming or marketing experience to operate this website?
Operating this website requires no programming or marketing knowledge at all. The service is fully outsourced and the website itself can be managed from the graphical administration panel. Anybody with an internet connection and a PC can operate it easily.
Does the website require any technical maintenance?
The script requires no technical maintenance at all. It is set to run on auto-pilot, therefore it only requires an admin to approve or reject orders daily from the administration panel.
How reliable is the outsourcer network? Would it just run out of business some day?
It is a very unlikely case where you would see a money generating network ever go down with thousands of clients to serve. However, if that ever happens, there are other countless competitor outsourcer networks still available which some of we have worked in the past with.
How much do you pay for the outsourcer network?
We pay to the outsourcer network on a per-order basis.
Website Traffic Service - 10% to 22% of order amount Social Media Marketing Service - 15% to 30% of order amount Directory Submissions Service - 10% to 20% of order amount
i.e. if the order is $100, paying 10% to the network for outsourcing the service, that would be $10 to the service provider and you would receive $90.
Notes:
Order amount above is referred to the prices on our order page which are determined by us. New owner can either increase or decrease these prices from the administration panel. All prices are one-time per package basis.
The percentage change is dependent on the service type and target such as: bulk Twitter followers, country targeted Twitter followers or niche targeted Twitter followers.
What is your reserve price?
Revealing the reserve price is not within Flippa policies. Also, the reserve price is not that important as we may still sell the website to the highest bidder even if the reserve price is not met, as long as the bid is an acceptable offer.
Are you going to give post-sale support to the new owner?
Even though learning to operate this business takes just a few days, the new owner will receive 45 days of full support by email or phone whenever necessary.
What payment methods is this website set to accept?
The website can accept 2Checkout, Plimus, Paypal, Skrill (Moneybookers), Payza (Alertpay), Liberty Reserve, and Perfect Money. These accepted methods can be enabled or disabled from admin.
New payment gateways can be added easily by hiring a programmer who is familiar with PHP Codeigniter framework (I can introduce the new owner to known programmers I have worked in the past).
If you decide to use your own gateway, I will personally integrate one of the gateway for you.
How is the sale going to take place?
We accept escrow.com which is secure and is also recommended by Flippa. I will cover all escrow and Flippa fees. Buyer will not pay any fees.
How is the transfer going to be settled?
As I will be initiating escrow within 24 hours of closing of sale, I expect the buyer to accept the escrow and transfer the funds into escrow account within 48 hours of escrow initiation, therefore, it is essential for buyer to have the funds available before for transfer. If you don?t have the funds available yet, please let me know before you bid on the auction.
Seller initiates the escrow process within 24 hours of closing of sale. Buyer accepts the escrow initiation and transfers the funds into escrow within 48 hours of accepting the escrow. Seller transfers (pushes) all 3 domain names to buyer (domain names are registered through Godaddy.com so you will need to have Godaddy.com account or you can create a free account with them if you don?t have one). Buyer confirms the receipt of 3 domains and releases the escrow in full. Once seller confirms that the funds are released in full then seller sends all information about website and buyer gets access to all files, hosting account, all content, usernames and passwords. Transaction is complete. Full support is given for 45 days after the sale.
I will personally handle all transfer procedures for getting the new server, transferring files to new server, and preparing the site for its new owner. I will also write very-well documented guide about operation of the site, the administration panel, files, folders, etc.
You will receive all needed information about every aspect of the site, from the technology used to implement the site to the techniques used to drive traffic and sales. If you have never run a website business before and are in need of a good business to start, this website will provide you with everything you need to succeed.
Are you willing to sign a non-compete agreement?
Yes, I will sign a non-compete agreement with the new owner upon request.
Do you guarantee a continuous traffic or revenue?
I make no guarantees or assurances that the website will continue performing with the current levels. The website is being sold as is. There are always ups and downs for any businesses. It is all up to the new owner to maintain the site?s traffic and revenue by doing some on-site and off-site SEO work regularly. I?d like to see you succeed and that?s why I?m offering 45-day support. If you somehow feel uncertain, please do not bid. It?s that simple.
Revenue Details;
September?Gross: $33,385?Profit: $29,500
August Gross: $18,700 Profit: $16,900
July Gross: $21,156 Profit: $19.040
June Gross: $17,092 Profit: $15,275
May Gross: $17,482 Profit: 15,480
April Gross: $16,345 Profit: 15,045
Listing details are copyright of the seller. The seller grants a permanent, irrevocable and unrestricted licence over the listing details to Flippa.
To express your interest to the seller, or post a public comment, you need to log in or sign up.
Source: https://flippa.com/2822586-established-online-marketing-business-autopilot-29-500-month
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This is the first introductory glimpse at the materials for our upcoming ?Estate Planning for Farmers and Ranchers? CLE webcast to be held next week (October 3rd).
Written by Attorney Jessica A. Bourke
Providing a good plan to clients requires the correct balance of listening to what they are saying, hearing what they are not saying, and understanding what they should be talking about.? That is to say, counseling a client who owns a farm or ranch means respecting each client as a unique planning opportunity while keeping in mind the planning concerns that are generally applicable to farmers and ranchers.
Goal setting can be the most complicated part of the planning process, and if this step is not completed comprehensively, then all the legal techniques in the world are not going to allow the plan to execute properly because the plan is not oing to fit the client.? You need to know what it is that you as the attorney are being asked to ?solve.?
On the most basic level, the counselor role is defined by the professional rules of conduct that apply to attorneys.? These may differ in minor ways from state to state, but the general premises are universally applicable. (In Wisconsin, these rules are found in Wisconsin Supreme Court Rules Chapter 20: Rules of Professional Conduct for Attorneys.)? The first question is, who is your client?? The ansewr to this question is essential to practicing within the applicable ethical requirements.? ?The client? is whose interests you are representing, and the person whose voice should be carrying the most weight throughout the planning process.? the client is to whom you owe the duties of confidentiality and due diligence.? (WIS. SUP. CT R. 20:1.3-1.4)? This is the person with whom you should be entering into the representation agreement/engagement agreement/fee agreement. (WIS. SUP. CT R. 20:1.5)
Determining the identity of your client is relatively straightforward when handling a criminal matter, or a personal injury lawsuit, or even a single person estate plan.? However, this can be substantially more complicated when working with owners of farms and ranches.? these are often family businesses with a lot of people who have a lot of interests.? The person whose interests you are representing may not be the same person who has expressed a willingness to pay for your services or the same person who has offered to be a key contact person for phone calls and emails.? Failing to recognize that the decisions of one family member cannot be taken for granted as the decisions of the client could mean violating rules that pertain to conflicts of interes. (WIS. SUP. CT R. 20:1.7-1.8? Violating conflict of interest urles can then lead to formal reprimands, the forfeiture of fees, and/or removal from the representation of either or both clients. For a recent example of this in Wisconsin, see In re the estate of Rebecca Derzon v. Johnson. 2011AP377)
It is beneficial to include other family members in the planning process in addition to the client.? Succession planning requires key individuals who are part of that plan understand the plan, and also requires an attorney understanding of how much heirs are capable and willing to contribute in terms of financial contributions and effort.? heirs may be able to identify the gradual decline of mom and/or dad?s physical and mental capabilities.? On the other hand, mom and day may know best which children are the most financially competent.? Furthermore, other individuals who are not directly part of the plan but have valuable information to contribute, such as accountants and financial planners, are alsouseful people to have at the table.? Inclduing everyone in the conversation may save a substantial amount of time in terms of making sure information is adequately disseminated to all key players in an accurate manner.? This may include keeping that initial referral source in discussions if he or she was the initial troubleshooter.
To make sure the interests of the client are kept at the forefront throughout the planning process, conflict waivers should be utilized and explained to make sure everyone knows who the clients are and what that means for everyone else before any planning takes place (see WIS. SUP. CT R. 20:1.7). If the client grants someone else permission to communicate or receive information on their behalf, channels of communication directly with the clients should still be maintained to ensure that the clients? interests are not lost when others are included in the process (see WIS. SUP. CT R. 20:1.4).? This may mean one meeting with everyone and another meeting just with the clients.? This means figuring out a way to separate a dominant client from a more passive client to make sure both of them are represented fully.? Different attorneys will have different strategies for addressing this issue, but no matter the method, the objective should be the same.
The goal setting part of the estate planning process requires attorneys to utilize the ?counselor? part of the profession.? Farmers and ranchers are generally emotionally invested in the business, rather than looking at their businesses from a detached investment perspective.? An attorney must be able to listen to clients and others and pick up subtle cues regarding family dynamics, as well as the willingness and ability to proceed with a particular course of action.? This means knowing when to ask the hard follow-up questions, or knowing when to question an unenthusiastic response.
Attorneys provide value in terms of understanding the variety of legal techniques and the considerations that are required before proceeding with those techniques.? Clients have often fixated on one or two key concerns that have brought them to your office.? the legal techniques of which they have knowledge depends o n their sophistication with legal matters, but often is based on what their relatives/friends/neighbors have experienced.? Aside from identifying the client and opening those channels of communication with the client, goal setting requires making sure that you have touched ont he possible areas of concern before suggesting a particular course of action with the client.
The following are possible concerns that should be considered regardless of whether the client articulates them as goals:
Some preparation can be done ahead of this meeting through making sure the initial contact with the client is productive.? Providing the client with introductory materials to better understand what planning invovles amay help them be better prepared and have less apprehension going into the initial meeting.? Likewise, asking for information from potential clients ahead of time, such as information on their family, their business and their finances can help you know in general what items will likely need to be discussed at that meeting.? Asking for them to spell out their specific concerns can provide an understanding of what they are expecting out of the initial meeting and the planning proess as a whole.
About the Author:
JESSICA A. BOURKE is an Associate Attorney for Willms, S.C. who focuses her practice primarily in the areas of estate planning, elder law and disability law, and business planning.? She focuses on long-term care planning, which includes estate planning, special needs trusts, long-term care financing through insurance as well as public benefits, and planning for incapacity through advanced directives and guardianships.? Much of her practice involves working with small business owners, particularly farmers, to assist in transferring their businesses intact to the next generation.
?Jessica graduated summa cum laude from St. Norbert College in De Pere, Wisconsin, and cum laude from Marquette University Law School.? Prior to joining Willm, S.C., Jessica worked with the Milwaukee Legal Aid Society, focusing on disability-related public benefits, and with the Milwaukee County Corporation Counsel, focusing on guardianship proceedings and mental health matters.
?Jessica is a member of the State Bar of Wisconsin, the Milwaukee Bar Association, and the National Academy of Elder Law Attorneys.? Currently Jessica is serving as the Chair of the Friends of Life Navigators (formerly ARC of Greater Milwaukee).
Related posts:
Source: http://cleblog.nbi-sems.com/2012/09/goal-setting-in-estate-planning-for-farmers-and-ranchers/
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This photo taken Sept. 27, 2012 shows President Barack Obama waving as he walks from the Oval Office of the White House in Washington. Republicans lashed out at President Barack Obama and senior administration officials over their evolving description of the deadly Sept. 11 attack on the U.S. consulate in Libya, a late campaign-season broadside challenging the veracity and leadership of an incumbent on the upswing. (AP Photo/Carolyn Kaster)
This photo taken Sept. 27, 2012 shows President Barack Obama waving as he walks from the Oval Office of the White House in Washington. Republicans lashed out at President Barack Obama and senior administration officials over their evolving description of the deadly Sept. 11 attack on the U.S. consulate in Libya, a late campaign-season broadside challenging the veracity and leadership of an incumbent on the upswing. (AP Photo/Carolyn Kaster)
In this photo taken Sept. 27, 2012, Republican presidential candidate, former Massachusetts Gov. Mitt Romney speaks in Springfield, Va. Republicans lashed out at President Barack Obama and senior administration officials over their evolving description of the deadly Sept. 11 attack on the U.S. consulate in Libya, a late campaign-season broadside challenging the veracity and leadership of an incumbent on the upswing. (AP Photo/ Evan Vucci)
FILE - In this Sept. 8, 2012 file photo, Sen. John McCain, R-Ariz. is interviewed in Cernobbio, Italy. Republicans lashed out at President Barack Obama and senior administration officials over their evolving description of the deadly Sept. 11 attack on the U.S. consulate in Libya, a late campaign-season broadside challenging the veracity and leadership of an incumbent on the upswing. (AP Photo/Giuseppe Aresu, File)
FILE - This Aug. 28, 2012 file photo shows Republican National Committee Reince Priebus speaking at the Republican National Convention in Tampa, Fla. Republicans lashed out at President Barack Obama and senior administration officials over their evolving description of the deadly Sept. 11 attack on the U.S. consulate in Libya, a late campaign-season broadside challenging the veracity and leadership of an incumbent on the upswing. (AP Photo/Charlie Neibergall, File)
FILE - This Aug. 30, 2012 file photo shows US United Nations Ambassador Susan Rice speaking at the United Nations. Republicans lashed out at President Barack Obama and senior administration officials over their evolving description of the deadly Sept. 11 attack on the U.S. consulate in Libya, a late campaign-season broadside challenging the veracity and leadership of an incumbent on the upswing. (AP Photo/Bebeto Matthews, File)
WASHINGTON (AP) ? Republicans lashed out at President Barack Obama and senior administration officials over their evolving description of the deadly Sept. 11 attack on the U.S. Consulate in Libya, a late campaign-season broadside challenging the veracity and leadership of an incumbent on the upswing.
Desperate to reverse the apparent trajectory of the White House race, Republicans sense a political opportunity in Obama's reluctance to utter the words "terrorist attack" as well as the varying explanations emerging from the administration about the assault in Benghazi that killed Ambassador Chris Stevens and three other Americans.
Talk of Watergate-style scandal, stonewalling and cover-up echoed in the GOP ranks on Thursday, from the head of the party to members of Congress to Mitt Romney's campaign staff. This full-throated criticism comes five days before the first debate between Obama and Romney, with Republicans determined to cast the president as dishonest and ineffectual on both foreign and domestic policy.
"Amid Middle East turmoil and six weeks before the election, President Obama refuses to have an honest conversation with the American people," Reince Priebus, chairman of the Republican Party, wrote in an article for the website Real Clear Politics. "The country deserves honesty, not obfuscation, from our president."
Republicans say the administration has been slow to call the assault a terrorist attack and has criticized its initial insistence that the attack was a spontaneous response to the crude anti-Islam video that touched off demonstrations across the Middle East.
Since then, it has become clear that the Benghazi assault was distinct from the mobs that burned American flags and protested what they considered the blasphemy in the movie, but didn't attack U.S. personnel. Republicans have also suggested that the administration had intelligence suggesting the deadly attack might happen and ignored it.
"I think it's pretty clear that they haven't wanted to level with the American people. We expect candor from the president and transparency," Romney told Fox News this week.
The White House and Democrats accused the GOP of politicizing national security, with officials specifically mentioning Romney's quick swipe at Obama as an extremist sympathizer as the crisis was still unfolding in North Africa around Sept. 11.
"The Republican approach is to shoot first and ask questions later," Rep. Adam Smith of Washington state, the top Democrat on the House Armed Services Committee, said in an interview. "The administration wants to do an investigation and be as accurate as possible. That's the difference between partisan politics and trying to govern."
Democrats also used the criticism to recall the former Massachusetts governor's missteps during his summertime overseas trip and his omission in his prime-time speech at the Republican National Convention of any mention of U.S. military forces fighting in Afghanistan.
"Every time Mitt Romney has attempted to dip his toe into foreign policy quarters, it's been an unmitigated disaster," Obama campaign press secretary Jen Psaki said aboard Air Force One.
National security has provided few political openings for Romney and the GOP as Obama has shed the Democrats' past reputation for weakness by ordering the successful raid that killed terrorist leader Osama bin Laden and undercut al-Qaida. An Associated Press-GfK poll earlier this month found Obama with an edge over Romney on who Americans think can do a better job of protecting the country, 51 percent to 40 percent.
The economy and jobs are the dominant issues in the election, with few voters likely to cast their ballots based on events in Libya or conflicts overseas. Underscoring the general weariness after more than 10 years of war, some of the fiercest GOP defense hawks in Congress have suggested the United States withdraw its forces from Afghanistan, an even bolder step than Obama.
But the administration has struggled to present a coherent description of the assault in Libya, prompting questions from Republicans and Democrats about whether the United States had prior intelligence, whether the attack was planned and whether security was sufficient.
In that same AP poll, Americans approved of Obama's handling of Libya by just 45-41 percent. The poll was conducted within days of the assault.
Defense Secretary Leon Panetta on Thursday called it a terrorist attack.
"What terrorists were involved I think still remains to be determined by the investigation," he told reporters at the Pentagon. "But it clearly was a group of terrorists who conducted that attack."
Secretary of State Hillary Rodham Clinton and White House press secretary Jay Carney called the violence a terrorist attack last week. But Obama has declined several chances to call the incident a terrorist attack. He said last week that extremists used an anti-Islam video as an excuse to assault U.S. interests.
And just five days after the attack, U.S. Ambassador to the United Nations Susan Rice said the attack was a spontaneous reaction to the video. Her assessment was at odds with Libya's interim President Mohammed el-Megarif, who said there was no doubt the perpetrators had predetermined the date of the assault. Panetta said Thursday it was a "planned attack."
The FBI is investigating, but the apparent contradictions have prompted demands for information from Congress and a flurry of scathing letters to the administration.
So far, U.S. intelligence has indicated that heavily armed extremists numbering 50 or more attacked the consulate, relying on gun trucks for added firepower. They established a perimeter, limiting access to the compound. A first wave of attacks forced the Americans to flee to a fallback building, where a second group of extremists attacked with mortar fire. Stevens died of apparent smoke inhalation when he was caught inside one of the consulate buildings, which had been set on fire.
Officials have not singled out one responsible group, but have focused their attention on Ansar al-Shariah, a Libyan militant group led by a former detainee at the U.S. military-run prison in Guantanamo Bay, Cuba.
Gen. Martin Dempsey, chairman of the Joint Chiefs of Staff, said Thursday that there has been a "thread of intelligence reporting" about groups in eastern Libya trying to coalesce, but no specific threat to the consulate.
Since the fall of Libyan leader Moammar Gadhafi last year, militias, weapons and terrorists are common in Libya.
"It was just unbelievable that Ambassador Rice and Secretary Clinton and the White House spokesman and others would say that there was no evidence ? that this was a spontaneous attack, yet they say, 'come on, honey, bring your mortars, we're going to a spontaneous demonstration,'" Sen. John McCain, R-Ariz., said on CBS' "This Morning."
McCain, who called the administration's statements "disgraceful," joined three other Republican senators this week in a letter to Rice pressing her on her "troubling statements that are inconsistent with the facts."
Eight Republicans who head House committees sent a letter to Obama criticizing a "pre-9/11 mindset" of "treating an act of war solely as a criminal matter." They said they would return to Washington from their nearly two-month recess for briefings beyond the back-to-back sessions Clinton and others held last week.
Sens. Bob Corker, R-Tenn., and Johnny Isakson, R-Ga., have asked for communications between the State Department and the U.S. mission in Libya leading up to the attacks.
Senate Foreign Relations Committee Chairman John Kerry, D-Mass., has written the State Department's Thomas Nides asking him to provide the panel with a detailed accounting of the attacks on U.S. missions in Libya, Egypt and Yemen on Sept. 11, information on security and whether there was any prior intelligence.
Sen. Chris Coons, D-Del., a member of the panel, said the purpose of this letter is a bipartisan effort to get information.
"I do think it is legitimate and appropriate to ask questions," Coons said in an interview. "Some have sadly overreached and clearly are politicizing this incident."
___
Associated Press writers Robert Burns in Washington and Steve Peoples in Springfield, Va., contributed to this report.
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Most people first think of how great they are going to look on the outside if they following an aerobics workout routine, and this is true it will give you an attractive, toned, and fit looking body, that people will admire and even envy.
The main motivation is not the external benefits but rather the internal health derived from a consistent cardio workout, which is coupled with good nutrition.
It has now been scientifically proven that a smoker who does regular and consistent cardio workouts exercises, is healthier than a none-smoker who don?t. This is not an endorsement of smoking of course, but to show how important exercise is for overall optimal health.
So what does aerobics do for my body?
Have a Heart
Well for starts it increases the blood flow hence the oxygen levels in the body, more oxygen means the body will become efficient in caring out its daily function. Increasing the heart rate during aerobics activity will build the muscles of the heart and over time the rest rate of your heart beat will be slower; this is because your heart has become much more efficient in pumping nutrient rich blood around the body, this decrease in heart rate during rest means less wear and tear on the heart.
Once the heart becomes more efficient due to consistent aerobics cardio, oxygen is transported around the body in more volume, more efficiently and this aerobics or oxygenated blood burns fat faster and more efficiently.
Regular aerobics workout will help prevent arteriosclerosis or heart disease and even prevent stroke by strengthening the heart muscle and keeping the arteries elastic and open, this will lower blood pressure and raise your high-density lipoprotein (HDL) levels (good cholesterol) and lower your low-density lipoprotein (LDL) levels (bad cholesterol).
Aerobics workout does not burn cholesterol the way we know it burns fat, but what it does is stimulate the blood?s cholesterol levels and lower LDL (bad) cholesterol, triglycerides and increase HDL (good) cholesterol.
Your Brain Will Thank You
Regular cardio vascular workouts such as aerobics increases the ?brain-derived neurotrophic factor? (BDNF). BDNF is believed to play a key role in the regulation of mood. BDNF also help brain cells and neurotransmitters live longer, so exercise can prevent dementia.
Another major chemical produces from the amino acid L-tryptophan in the brain is serotonin or (5-hydroxytryptamine, 5-HT). This hormone is a neurotransmitter in the brain and influences a lot of different brain functions. Regular aerobics activity is shown to increase the serotonin levels in the brain.
Serotonin is a critical chemical produces by the brain and influences control over appetite, memory and learning, mood, behavior, depression, sleep, endocrine regulation, temperature regulation, sex drive or the lack there of, cardiovascular function, and muscle contraction. Regular aerobics exercise is key in maintaining proper levels of this very important chemical.
Workout for Your Bone
like muscles bones are alive and ever changing, either for the better or the worst. Aerobics exercise strengthen bones just like it does muscles, stronger bones will reduce your risk of small fracture and weakening of your skeletal structure as you get older, which could lead to osteoporosis. Regular exercise also serves to lubricate the joints and reduce inflammation and prevent arthritis. So increase your bone?s strength and mass with some cardio.
Aerobics for Immunity
It has been shown that regular cardio workouts strengthens the immune system and enable it to fight off sickness and infection. The increased aerobic activity serves to expel airborne viruses and bacteria from the lungs before they have a chance to invade. Rapid blood flow throughout the body and the action of sweating during a workout also rid the body of toxins and certain carcinogens. Built up waste mater is excreted through the sweat glands and urination. That?s why proper hydration is important during a workout.
Antibodies and white blood cells are used by the immune system to fight invaders, regular exercise activities helps to circulate and distribute these fighters throughout the body, reducing the risk of infection and sickness.
So Strengthen, tune and tone your body with aerobics workout exercises, both on the outside but most importantly on the inside.
Staying fit and healthy is not a Fad but rather a lifestyle,
Steve Robertson
Steve Robertson is the owner of the website http://www.stepaerobicsdvds.com and is a health and fitness consultant and blogger. Visit his site to review his top pick of aerobics dvds online and to find the best prices for workout videos.
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Harby Panesar's company went bust after he lavished a fortune on daughter, Anysha, who is now 19, so she could live her teenage dreams.
He spent ?20,000 on a Super Sweet 16 birthday party where Tulisa performed, with a personal video from Hollywood star Nicole Kidman as part of a Moulin Rouge-themed party.
He bought his daughter a Gucci handbag for her birthday, along with a ?1,500 personalised mobile phone and a pair of ?400 sunglasses.
The 45-year-old then bankrolled her dream to be a top teenage model and beauty queen, and she went on to be crowned America's Perfect Teen, becoming the first international cover girl on SuperModels magazine.
But he got into so much debt, his finance business collapsed. He was warned by the courts not to set up another business ? but he defied the orders and was caught and sentenced to nine months in prison.
However, the Appeal Court released the father after Anysha wrote to the judge. Lord Justice Rix allowed the appeal at the Civil Appeal Court and suspended his sentence for two years.
The court was told that he is now 'far removed from his once luxurious life' - and is 'financially ruined and bankrupt.'
Lord Rix said: "The public interest will be sufficiently vindicated by suspending the term."
Panesar made his money through his insurance company Motorcare Warranties which has collapsed.
An investigation by the Financial Services Authority found that the company left a trail of victims whose motor insurance policies were worthless.
A bankruptcy hearing in the High Court banned Panesar from setting up a new business. But Panesar was found in contempt of court by launching up a new insurance company called Motorcare Warranties.
Panesar, 45, and his wife Caroline, 43, now face losing their luxury ?500,000 home and their six-acre estate in the Vale of Glamorgan.
<p> 90210 star Tori and husband Dean are no strangers to epic children’s birthday parties (and the photo shoot opportunities they come with), but they well and truly took the cake in 2010, when they threw daughter Stella a bumper Barbie themed party for her second birthday. The birthday girl wore a pink tutu and guests tucked into a life-sized Barbie cake (double the size of poor Stella), complete with additional pink cupcakes, pink icing and pink lemonade. Unconfirmed reports say every guest went home with sore eyes and a migraine. </p>
<p> Wayne and Coleen pulled out all the stops for son Kai’s <a href="http://www.parentdish.co.uk/2011/11/07/kai-rooney-and-100-guests-party-with-llamas-and-horses-for-his-second-birthday/" target="_blank">second birthday bash</a> - horses, llamas and, er, staff dressed as cows were all in attendance. The celebrity pair hired several animals and entertainers for Kai and his 100 (!) party guests, with one perplexed insider saying: “It looked amazing. There were balloons twisted into the shape of tractors, and animals everywhere. Then somebody who looked like Snow White walked in with a goat!” Brilliant. </p>
<p> Brangelina know exactly how to par-tay with a seven-year-old in the house - they organised a luxury river cruise on the Seine in France for birthday boy Pax. The whole clan - Brad, Ange, Maddox, Zahara and Shiloh - were aboard (minus little ‘uns Knox and Vivienne who were presumably not up for the way too grown up boat bash). At least balloons and cake made an appearance. </p>
<p> Gwen Stefani and Gavin Rossdale didn’t spare the pennies when their son Kingston turned four - they apparently splashed out on a party costing $15,000. Given that the party was actually held at their LA home, the couple had plenty of cash available to hire bouncy castles, actors dressed as superheroes, a luxury lemonade stand and a candy floss machine. Guests in attendance included the Beckham boys and Kate Beckinsale. </p>
<p> When you’re turning one, what more do you need in your life than a petting zoo and an OK! magazine exclusive? Step forward Mason Disick, whose parents, Kourtney Kardashian and Scott Disick, threw a bumper bash with a circus and carnival theme for added effect and photo opps. The whole Kardashian clan were in attendance for the party (and magazine photos, of course…).</p>
<p> The Beckhams' middle son got exactly what he Wanted for his 10<sup>th</sup> birthday - his favourite band, The Wanted, <a href="http://www.parentdish.co.uk/2012/09/04/top-boy-band-play-the-wanted-play-for-romeo-beckham-10th-birthday-party/" target="_blank">played exclusively for him and pals at his party</a>. Posh showed her appreciation afterwards, albeit very smugly, tweeting the boys with the message: “The <a href="https://twitter.com/thewantedmusic" target="_blank">@thewantedmusic</a> boys, the coolest boys in music!!! Thank you for making Romeo's 10th birthday so special!!!! X vb.”</p>
<p> Rumour has it Princess Suri had a fancy pants <a href="http://www.parentdish.co.uk/2011/04/06/suri-cruise-birthday-13-000-circus-party/" target="_blank">fifth birthday party</a> to the tune of £13,000! Pre-split, Tom and Katie hired professional actors to dress up as children’s characters, and ordered a whole load of animals, including giraffes and elephants for Suri and her pals to marvel over. Any bets on what she’ll be getting for her next birthday, post-TomKat break up?</p>
<p> Brit hired an entire trampoline park for her boys to enjoy for a joint birthday party this year, when Sean Preston turned seven and Jayden James celebrated being six. Britney kept it small by celeb standards, with 20 of the boys’ friends invited to enjoy the park, eat cake (and then trampoline? Rather you than us, Brit…), and play party games before heading back home to open presents. </p>
<p> Harper Beckham’s <a href="http://www.parentdish.co.uk/2012/07/09/happy-birthday-harper-seven-beckham-victoria-david-daughter-turns-one/" target="_blank">first birthday</a> was always going to be a party to write home about, and according to reports by Closer magazine, Posh and Becks didn’t disappoint, spending a whopping £50,000 on their little’s girl’s celebrations. After years hankering for a girl to join the family, it’s no surprise the party was out-of-this-world girlie, with pink cuddly toys, pony rides, cupcakes and even pink rabbits roaming around. We feel for the cleaner…</p>
<p> P. Diddy’s little boy got a trip of a lifetime for his 12<sup>th</sup> birthday. He was whisked away to Vegas in a fancy black tour bus for a three day break with friends. The gang saw the sights, ate a lot of pizza and tucked into a custom cake which was as tall as the birthday boy.</p>
<p> Mariah was always going to go all out for dem babies’ first birthday, but twins Moroccan and Monroe really did get everything and more when they turned one - a mini Ferrari, rocking horse, dolls’ house and miniature white piano. The one-year-olds were dressed to impress for their party, with Monroe in a fancy white frock and Moroccan suited and booted in a mini tux (we’re guessing they weren’t allowed to eat!). Mariah and husband Nick Cannon shared a whole heap of party snaps from the big day, you can <a href="http://www.parentdish.co.uk/2012/05/14/happy-birthday-to-dem-babies-mariah-carey-shows-off-twins-moroccan-monroe-first-birthday-party-presents/" target="_blank">take a look in our gallery (you know you want to…).</a></p>
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Some those that lead busy skilled and private lives, do not feel they need the time to take a position within the constant maintenance of floral and alternative gardens, however would still wish to do one thing concerning landscaping or decorating their property. And there are others for whom gardens are merely not their ?thing?, however they sort of a very little decoration, while not the fuss of excavation, planting, and constant weeding. For them, the ?minimal? garden or yard arrangements could also be the simplest alternative.
Strictly speaking, not of these concepts involve a garden, however do utilize garden accessories and alternative things of garden , to make the planning or atmosphere that a house owner will get pleasure from, whereas not feeling guilty concerning obtaining behind within the care of their plants and flowers.
If you?re lucky enough to possess an oversized property, or if your yard borders on a field, the perfect ?garden? that takes very little care is one that is planted with wild flowers. With the correct established, not solely can this offer you with colourfull blossoms and delightful grasses, however it?ll additionally attract a spread of birds and butterflies.
First, check to ascertain what reasonably soil you?ve got, and whether or not it?s suited to the wild seed that?s offered in your space. Next, if you do not have a garden that you simply are property revert to the wild, you will ought to have somebody use a rotor-tiller to interrupt up a protracted swath of earth on the facet or back of your field. ensure this has been well-turned, and there?s comfortable soil on the surface for the seeds to require anchor in, as hostile scattering them on onerous clumps of sod which will be dense with grass roots.
?Wild? garden seed may be purchased in containers, in preseeded strips of bio-degradable material, and in ?sheets?, that ar merely set on prime of ground that has been ready and patterned. Check the progress of your garden because it begins to sprout, and if there ar any blank patches that show no promise of growth, you?ll scrape the surface with a rake, and sprinkle some additional seed. notwithstanding you used the preplanted materials, somewhat dirt additional on prime, with some seed, can facilitate fill within the open areas.
The effort place into wild gardens is tired the start. After that, you will be able to sit back in your Adirondack chairs underneath the trees, and revel in the sights and sounds of nature. because the flowers grow and start to bloom, you will see simply what reasonably bonuses they bring about. And you?ll increase the pleasure, by providing extras for the guests to your garden.
Natural grasses that head to seed can attract birds. A basin at the sting of your garden, or maybe any onto the field can offer water for the guests, and permit them to splash and drink, then come back to their browsing within the garden. styles in bird baths have gone manner on the far side the classic Roman column with a cement bowl, and currently supply pleasant reproductions of fairies, cherubs, angels, and animal figures, like a squirrel holding a basin.
You may notice that your yard is suddenly additional popular all types of feathered friends, during which case, you may wish to offer any feeding stations for them. Birdfeeders are available in a good sort of shapes, designed for placement at completely different levels. There are summerhouse and glass feeders to be adorned? from tree branches, pelecaniform seabird or fairy dish-style feeders that sit on the field for ground feeders, and therefore the wasp-proof feeders which will be enjoyed time, or mounted in planters for the small and charming hummingbirds.
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Source: http://www.michelequipment.com/the-minimal-garden.html
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Winemaking is the latest industry to be hit by robot?fever: French inventors have created a robot that rolls among the grapevines, checking and perhaps pruning as it goes.
A wine grower in France complained three years ago to?Christophe Millot that they were always short on staff. Millot designed the Wall-Ye robot, which is indeed named after Pixar's trash-collecting WALL-E, and the pair have been working together on it ever since.
Wall-Ye moves around on treads and is equipped with a number of cameras for navigation and inspection of vines.?It navigates by GPS, but also recognizes each plant individually and can carry out?special instructions or follow up on previous work.
There are plans to make it able to prune vines and eventually pick grapes, but for now it is limited to less complicated tasks. But checking for bugs, disease, temperature variations and soil problems are important parts of running a vineyard ? and they can be tedious.
Another winemaker, Claire Gazeau-Montrasi, explains in the AFP video above?that she would welcome a robot that took care of the most boring jobs. Like a Roomba or similar household robot, it can do its job slowly but surely, working around its owner's schedule.
At ?25,000, or around $32,000, Wall-Ye isn't cheap, though there are larger and more expensive systems that are capable of more. Automation of agriculture hasn't made it to vineyards quite yet because of the delicate nature of the task, but that may soon change, with?robots like Wall-Ye leading the charge.
Devin Coldewey is a contributing writer for NBC News Digital. His personal website is coldewey.cc.
Source: http://www.nbcnews.com/technology/futureoftech/wall-ye-robot-does-grunt-work-vineyards-6150501
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Due to the unstable economy and weak job market, many people who have been hurt financially by this environment have chosen filing for bankruptcy as their way of finding a quick and easy solution. The Northeast area of the U.S. has been especially affected, with the number of NJ bankruptcy chapter 7 filings the highest it has been in years. However, taking this route will greatly damage their credit scores for many years to come. The best thing that these individuals can do is to get past the stigma of bankruptcy, and go to work on improving their credit ratings. They can accomplish this by taking specific actions like keeping track of their credit history, opening accounts with new credit and lending institutions, and ensuring that all their monthly bills and obligations are paid when they are supposed to.
People who are familiar with their credit history generally tend to have better credit scores than those individuals who haven?t seen their credit report in quite some time. The first step in rebuilding a poor credit score is knowing exactly what is on the credit report. Since there are three credit bureaus (TransUnion, Equifax and Experian) that have differing data, credit reports should be requested from each. Individuals should make sure that all the lines of credit and debt actually belong to them. They should also look for open lines of credit that should be closed, and other mistakes that are commonly found in credit reports. The credit agencies have a month to respond to any errors and inaccuracies that creditors report to them.
One of the most effective ways that people looking to regain credit is by proving to the credit agencies that they can be responsible with repaying again. Opening new lines of credit and credit cards, and then faithfully paying those bills each month, will start the process of raising credit scores. Those with difficulty getting approved for traditional, unsecured credit cards may decide on getting a secured credit card instead. These require some funds to be set aside like a security deposit and may have higher interest rates. However, in the long term road to rebuilding credit after a bankruptcy, this will make financial-sense to many people in this situation.
It?s not just about credit cards. The consistent payment of all a person?s monthly obligations can critically affect his credit score. Although all monthly bills are taken into consideration, certain ones hold more weight than other. Special emphasis is placed on long-term debt repayment like those on houses and cars. People wanting to raise their credit scores after bankruptcy need to make sure that not only are these bills paid on time, but also the lesser bills like gas, electricity, cable, phone, and internet. Every active monthly bill that is paid by its due date can help with credit ratings.
To get to the point of filing bankruptcy, people had to make years of poor decisions. Just as it took a while to get to bankruptcy, it is going to take some time to recover from it. Thankfully, individuals can come back from this setback and slowly, but steadily, rebuild their credit ratings by constantly checking and ensuring that their credit reports are up-to-date and accurate, getting new credit cards and lines of credit, and by being diligent in paying every monthly bill before it is due.
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Derek is an active blogger. This article is for nj bankruptcy chapter 7.
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