Monday, 31 December 2012

Hillary Clinton hospitalized with blood clot

WASHINGTON (Reuters) - U.S. Secretary of State Hillary Clinton was sent to the hospital on Sunday with a blood clot stemming from a concussion she suffered earlier this month and was being assessed by doctors, a State Department spokesman said.

"In the course of a follow-up exam today, Secretary Clinton's doctors discovered a blood clot had formed, stemming from the concussion she sustained several weeks ago," spokesman Philippe Reines said in a statement.

"She is being treated with anti-coagulants and is at NewYork-Presbyterian Hospital so that they can monitor the medication over the next 48 hours," Reines said, adding that doctors would continue to assess her condition.

"They will determine if any further action is required," he said.

U.S. officials said on December 15 that Clinton, who earlier canceled an overseas trip because of a stomach virus, suffered a concussion after fainting due to dehydration.

They have since described her condition as improving and played down suggestions it was more serious.

Clinton's illness forced her to cancel planned testimony to Congress on December 20 in connection with a report on the deadly attack on the U.S. diplomatic post in Benghazi, Libya, in September that killed the U.S. ambassador and three other Americans and raised questions about security at far-flung posts.

Clinton, 65, has said she remains ready to testify and was expected to appear before congressional committees this month before she steps down, as planned, around the time of U.S. President Barack Obama's inauguration in late January.

Clinton, who narrowly lost the Democratic presidential nomination to Obama in 2008, is consistently rated as the most popular of his cabinet members and is often mentioned as a potential presidential candidate in 2016.

(Reporting by Andrew Quinn; Editing by Eric Walsh)

Source: http://news.yahoo.com/secretary-state-clinton-hospitalized-blood-clot-spokesman-011207509.html

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Loans and Finance: Happy Fiscal Cliff Day

Welcome to Loans and Finance, part of www.kenfrost.com "The Living Brand".

Loans and Finance can be accessed directly via www.loanbuster.net

Loans and Finance provides up to date information and views on loans, finance, money, debt and business issues.

Source: http://loanbuster.blogspot.com/2012/12/happy-fiscal-cliff-day.html

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Syria mediator says choice between "hell" and political process

Producers of Katie Holmes's Broadway play Dead Accounts, a dark family comedy by Theresa Rebeck, have announced that the show will be closing nearly two months early, wrapping up on January 6 instead of the planned February 24. Obviously the press release about the matter doesn't mention any reasons, but we can assume the show is closing because of poor ticket sales. January is a notoriously difficult frozen tundra for many a Broadway show to traverse, and Dead Accounts just didn't have it. So the cast is being spared the agony of trying. ...

Source: http://news.yahoo.com/syria-mediator-says-choice-between-hell-political-process-101005741.html

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California Democrats signal they want to reform Proposition 13

SACRAMENTO -- The third rail of California politics may not be as deadly as once thought.

Three and a half decades after the passage of Proposition 13 shook the political landscape in California and sparked a taxpayer revolt across America, voters appear to be warming up to the idea of reforming the initiative as long as protections for homeowners stay intact.

And the apparent sea change in public attitudes, combined with the two-thirds majorities Democrats now hold in both chambers of the Legislature, has emboldened some politicians to take aim at the iconic measure.

"It is time for a fix, because Proposition 13 is broken," said Assemblyman Tom Ammiano, D-San Francisco, who plans to introduce a bill next year aimed at forcing businesses to pay higher property taxes.

The landmark 1978 measure rolled back property taxes and capped yearly increases until a property is sold, but critics say one of its unintended consequences was shifting more of the Golden State's property tax burden from businesses to homeowners.

In addition to Ammiano's bill, two constitutional amendments heading to the Legislature would allow voters to approve local parcel taxes for schools and libraries on a 55 percent vote, rather than the 66.7 percent now required.

In a recent poll by the Public Policy Institute of California, 58 percent of registered voters said they favored a "split roll" property tax, in which commercial properties would be

reassessed annually or semiannually according to their market value, while taxes on residential properties would continue to be capped at 2 percent annual increases. And since Democrats took full control of the Legislature in last month's election, some legislators have suggested that it's time for a so-called "split roll."

Proposition 13 has held a central place in California's political discourse since voters approved it with nearly 65 percent of the vote in June 1978. It's credited with fomenting the rise of the anti-government, anti-tax movement that swept Ronald Reagan into the White House.

"It really has symbolized an unwillingness to permit Sacramento to raise general taxes," said Max Neiman, a fellow at UC Berkeley's Institute for the Study of Government. "It's suggested a kind of decline from the time California was a leader in an array of public services."

But voters in the Golden State now seem to have a "nuanced understanding that we simply aren't going to cut our way out of the fiscal deficit, and some kind of tax increases will have to take place," Neiman said. He pointed to the passage of Gov. Jerry Brown's tax measure, Proposition 30, as evidence that voters believe more revenues are needed, especially if they come largely from the wealthy.

A ballot box battle over amending Proposition 13, however, won't happen before November 2014. And it may come even later since Brown probably isn't eager to share the ballot with an issue that could blow up in his face if, as is expected, he runs for re-election.

Still, two Democratic lawmakers, Sens. Lois Wolk, D-Davis, and Mark Leno, D-San Francisco, next year will try to lower the Proposition 13 threshold for parcel taxes -- a move that would need voter approval. Senate President Pro Tem Darrell Steinberg, D-Sacramento, called it a "sound idea" to give local governments the ability to "affect their own destiny," he said. "I think the public will get behind 55 percent."

The threshold for passing local school bonds is already 55 percent.

Steinberg, however, has balked at rushing through the constitutional amendments. And he said it's not yet time to take on an overhaul of Proposition 13 by creating a split-roll tax.

But Ammiano plans to introduce legislation early next year to close a loophole that allows corporations to sidestep reassessments on properties they purchase.

Ownership of a property isn't considered transferred unless 50 percent or more is sold. Critics say corporations find ingenious ways to avoid triggering reassessments.

In one of many similar cases, the wine company E&J Gallo averted a higher reassessment 10 years ago after buying the prime 1,765-acre Louis M. Martini vineyards in Napa and Sonoma, when 12 Gallo family members bought individual shares -- none greater than 50 percent. The move costs Napa County as much as $700,000 a year in taxes.

"Why should these multibillion-dollar corporations get these breaks at the expense of regular folks?" Ammiano asked.

Ammiano said he hopes the Legislature will act on his bill before the end of spring. It would not require voter approval because it would only be a statutory change.

But it's expected to kick up a firestorm of opposition from businesses.

"You'll see them feeling like they're targeted. And when that happens, you'll see them stand up and fight," said Allan Zaremberg, president and CEO of the California Chamber of Commerce.

A key finding in the PPIC poll that should give Democrats pause is that 60 percent of voters still support Proposition 13, said Kris Vosburgh, executive director of the Howard Jarvis Taxpayers Association, a group founded by the measure's co-author.

"Proposition 13 is more popular today than when it passed," Vosburgh said. "We are definitely for enforcement when we know there are documented cases of efforts to get around legitimate change of ownership. But we don't see it as an overall problem. It's all about the state trying to get more money."

Larry Stone, Santa Clara County's assessor, said even if voters approve a split roll, county assessors won't be able to carry it out without vastly expanding their staffs.

"I don't have the staff or skill set to reassess all business, commercial and industrial property every two or three years," Stone said.

Simply raising the tax rate above the base 1 percent for commercial properties would be an easier way to get more revenues, though "it doesn't avoid the inequities of Proposition 13," Stone said. "You couldn't devise a more unfair property tax system if you tried than the one we have in California."

The turning point for reformers could come when homeowners begin to realize they're carrying most of the load for property taxes, proponents say. In 55 of 58 counties, residential homeowners are paying more property taxes than businesses, after businesses had taken up much of the burden before Proposition 13, according to a study compiled by Lenny Goldberg, president of the California Tax Reform Association.

In Santa Clara and Contra Costa counties, just before the passage of Proposition 13 in 1978, residential homes and all other properties shared the tax burden evenly -- 50-50. But now homeowners are responsible for 70 percent of their counties' assessed value, the study said.

"Nobody can defend the way we assess commercial property," said Goldberg, who is working with Democrats on Proposition 13 changes. "Commercial property is the biggest hole in our tax system, and we avert our eyes at the hole in the middle of the system because it's not politic to discuss this."

Contact Steven Harmon at 916-441-2101. Follow him at Twitter.com/ssharmon. Read the Political Blotter at IBAbuzz.com/politics.

Facts about PROPOSITION 13
Approved in June 1978 with 64.8 percent of the vote.
What it did: Rolled back property values for tax purposes to 1975-76 levels and created a base tax rate of 1 percent, with annual tax increases limited to the inflation rate or 2 percent, whichever is lower. When a property is sold, it is reassessed based on the selling price.
Declared constitutional by the U.S. Supreme Court in 1992.
Other requirements: A two-thirds majority of the Legislature must approve all new taxes. A two-thirds vote is also required if local governments want to raise a tax for a specific purpose.
Past changes: Voters have approved four measures to amend Proposition 13, most strengthening it. In November 1978, Proposition 8 permitted a reassessment of property values in the wake of a disaster or a declining market; Proposition 60 in 1986 allowed homeowners 55 and older to transfer the assessed value of their present home to a replacement home; Proposition 39 in 2000 lowered the required supermajority necessary for voters to pass school bonds from two-thirds to 55 percent; and Proposition 218, in 1996, gave the people the right to vote on all local taxes and required taxpayer approval of assessments and property-related fees.

Source: http://www.contracostatimes.com/breaking-news/ci_22277586/california-democrats-signal-they-want-reform-proposition-13?source=rss_emailed

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Sunday, 30 December 2012

Western Wyoming Community College (in the town of my birth)

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Immigration reform: Is 'amnesty' a possibility now?

Congress seems primed to address immigration reform in 2013, and even a path to citizenship ? which critics deride as 'amnesty' for illegals ? may be on the table. The shift in the national conversation came suddenly. Here's why.?

By David Grant,?Staff writer / December 28, 2012

Maurcio Martell and his family stand on the porch of their home in Bessemer, Ala. The Martells are among some 12 million illegal immigrants living in the US whose lives could be affected if Congress takes up immigration reform in 2013.

Dave Martin/AP

Enlarge

The momentum of President Obama's resounding victory in November's election ? with a big push from Latinos and other minority groups ? has catapulted immigration policy to the top of Washington's 2013 agenda, making reform not only possible but also likely.

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The shift in the political conversation has been so dramatic that even a pathway to citizenship for some of the estimated 12 million undocumented immigrants in the United States ? long rejected out of hand by most Republicans and some Democrats ? could be part of the deal.

The task is momentous. It involves weighing the wishes of industries from agriculture to high-tech, as well as the sensitivities of opening the door to immigrant workers at a time when unemployment remains high.

The past only reinforces the potential difficulties ahead. In 1986, Republicans felt betrayed when Democrats stripped the enforcement provisions from a bill that offered citizenship to some 3 million illegal immigrants. By 2005, the issue had become so politically toxic to conservatives that they blocked President George W. Bush's push for a new round of immigration reform.

Yet with Election 2012 highlighting the electoral consequences of America's changing demographics, the next year appears to be ripe for compromise. How reforms might take shape could be a major point of contention between the parties, but lawmakers on both sides suddenly see an opportunity for what could be their most expansive achievement of 2013.

"It has to be in 2013," says Rep. Ra?l Labrador (R) of Idaho, an immigration lawyer who thundered into Congress in the tea party wave of 2010. "If we wait until 2014, it's going to be election time. And you know how efficient we are here during election time."

Recent weeks have seen a flurry of activity on Capitol Hill. In the Senate, a "Gang of Eight" ? led by longtime immigration reformers Sen. Chuck Schumer (D) of New York and Republican Sens. John McCain of Arizona and Lindsey Graham of South Carolina ? has added freshman Sens. Michael Bennett (D) of Colorado and Mike Lee (R) of Utah, while potential 2016 presidential aspirant Sen. Marco Rubio (R) of Florida leads his own initiative.

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Source: http://rss.csmonitor.com/~r/feeds/csm/~3/w_nTLQRpfSA/Immigration-reform-Is-amnesty-a-possibility-now

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Saturday, 29 December 2012

The Design And Use Of An Ethernet Cable

We live in the computer age or the digital world if you prefer which means that many of us own, use, and rely on our PC's and laptops. Most individuals who own a computer are well aware of what the Ethernet is. They are also familiar with the important role that the Ethernet cable plays as they are used to transmit shared information in the form of data signals between their computers and peripherals.

The cable is used for connecting your computer or laptop to a modem or router. In so doing, you can connect your PC or laptop to a network and get connected to the internet. Additionally, the Ethernet cable is available in a variety of colors. Whether you use a desktop or a laptop you may not be aware of the fact that you have been using this particular type of cable. Appearance wise, the cable reminds you of a telephone cord. However, you cannot use it on your laptop or PC.

Obviously, the Ethernet cable is plugged into the back of your desktop and/or laptop into the port that is labeled as "Ethernet." The cable is easily removed from the port by squeezing the little lever on the plug end and then pulling it out. Consequently, it is even easier to plug it in by simply pushing it into the port until your hear it click and cannot remove it without squeezing and pulling on it. Additionally, the cable may look identical to your phone cord but the end of it is much larger.

Inside the Ethernet cable lead, there is 8 color-coded wires and 4 twisted wire pairs. On the other hand, the telephone cable only contains four different colored wires. The same color theme is used in each wire pair and has one solid-colored or mostly solid-colored wire while the other pair is a white wire with a colored stripe running the length of it. Occasionally, you will find that these wires are colorless.

When this is the case, the only way they can be identified is by checking how they have been twisted. These twists are extremely important and you need to know which cable that wire has been twisted around. Not only this, but the twist serves as a way to counteract any noise or interference. Finally, most business and home networks use an Ethernet cable to improve the performance of the lead. In most cases, they will use copper twisted-pairs of wires.

Source: http://www.readingprinters.co.uk/computer-hardware-articles/2707-the-design-and-use-of-an-ethernet-cable

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Bundles

Bundles are a new feature that allow you to create easily-read "bundles" of RP posts. Until now, it has been difficult to go back and read any "scenes" taking place in Chat from the Multiverse. You could go and read the posts from a single character in their profile, but it was impossible to "tag" characters to have them all together. Now, you can go back and create a "bundle" by selecting all the posts that belong together, allowing anyone to go back and read them together as a cohesive scene.

Source: http://feedproxy.google.com/~r/RolePlayGateway/~3/vcVaxNMor_8/viewtopic.php

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Building Strategies for Giving Back into Your Financial Plan

Rob Rumley, assistant VP and financial advisor, Morgan Stanley Wealth Management

Tis the season of giving back! Charity Navigator?s website states that over 40 percent of giving is done in the month of December. In my line of work, I hear a lot about the economy being down but statistics show that giving is up 4 percent from last year. There are many opportunities to give back within our community and three ways to manifest those charitable inclinations: time, talent and treasure ?financial gifts. We will focus on financial displays of generosity. To that point, many avenues exist with regards to charitable giving but the biggest bang for the buck may come through utilizing Donor Advised Funds.

Donor advised funds are a charitable giving vehicle that allows you to contribute cash and other appropriate assets while permitting you to set the investment direction of your contributions. As a donor you will be able to support the charities of your choice and take an active role in the giving process. This investment vehicle helps you to identify suitable organizations and initiatives and advises you on making your charitable strategies even more effective.

At a very young age I was taught to give back and still do in many forms; there are so many ways to do it. It?s not only good for the soul; it?s good for your bottom line. Next year charitable donations may be effected by the fiscal cliff, reap the financial rewards of your altruism this year. Americans are generous people and donate about $300 billion each year to charity, according to a recent report by the Giving USA Foundation and the Center on Philanthropy at Indiana University.

Whether it is passing on a family?s passion of supporting the arts, a religious organization or a favorite alma mater, consider nurturing the future success of others through your gifts. It is simple to give away money but more of a challenge to make the giving effective so that it not only makes a difference but an impact.

SOURCE: Information sourced from MS document Global Impact Funding Trust

Rob Rumley is a Financial Advisor with the Global Wealth Management Division of Morgan Stanley in Atlanta. The information contained in this article is not a solicitation to purchase or sell investments. Any information presented is general in nature and not intended to provide individually tailored investment advice. The strategies and/or investments referenced may not be suitable for all investors as the appropriateness of a particular investment or strategy will depend on an investor?s individual circumstances and objectives. Investing involves risks and there is always the potential of losing money when you invest. The views expressed herein are those of the author and may not necessarily reflect the views of Morgan Stanley Wealth Management, or its affiliates. Morgan Stanley Smith Barney, LLC, member SIPC.

Source: http://atlantablackstar.com/2012/12/28/building-strategies-for-giving-back-into-your-financial-plan/

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Friday, 28 December 2012

"Come Together" campaign buys newspapers ads (Washington Bureau)

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The Fundamentals Of Internet Hosting Providers | The Floor Geek ...

While using the improving utilization of the web in internet business together with other functions even smaller manufacturers is going to be seeking to have their own individual web site. Some internet internet hosting online businesses are there from the promote so you can find a really good company within the record. Each an example of us seeking to pick out an online web hosting provider demands it for being a well known and fantastic organization.

When deciding upon a corporation, it truly is improved to make sure whether or not the small business is in a position to aid some wide-spread programming languages like Java, ASP, PHP, CGI Pearl scripts, etc- These benefits may not be invaluable within the starting, nevertheless they should be superior use down the road.

Online hosting remaining an essential support, it has to be approached with sincerity and when a person receives in the entice of a fraudulent web hosting supplier, he?ll be squandering his a number of many years of effort without viewing any development in his web-site. The best possible hosting offers are available by some services with sub domains and domain Email, that could be valuable for the small business. The website?s functionality will be judged while using the up time company given through the hosting service and it is really significantly better to go for a business that is ensuring in excess of 98% uptime.

Should the internet hosting service provider supports FTP access and domain name hosting inside of the very long operate, the website entrepreneurs can take it easy them of getting a successful web site. Even you have ideal online businesses giving domain e-mail together with scripts and equipment, sub domains on top of that to some excellent server up time. It is really greater to pick a service provider featuring spherical the clock customer assist in this type of a way that specialised problems if any tends to be solved straightaway.

An outstanding service provider traditionally present scripts, software package products and totally free scripts, which often can help save lots of the perfect time to the online developers and directors in these types of a means that they can take advantage of this treasured time for online marketing their web site in these a means which the online site reaches the meant audience. Only when the website reaches the intended audience it could actually enjoy the main advantages of superb targeted traffic.

Furthermore to these issues, it is also fundamental to take into consideration the cost at which the support is obtainable and you will discover superb enterprises featuring the support at cheap price. The good reputation with the business enterprise preferably should also be considered furthermore to cost element and collection of a good quality hosting supplier can assure maintenance on the homepage in the secured and harmless ecosystem for your web-site entrepreneurs.

This Written content Hasbeen Obtained from

Mike ter Stege is definitely an online/internet entrepreneur supplying craftsmanship products for webpage entrepreneurs. These expertise consist of goedkope webhosting, domeinnaam registreren, Website positioning and far further. Beside referred to as products and services i also offer you impartial suggestions for web page homeowners to help them translate their actions into an internet successes.

Prime 5 Internet Hosting Services can provide you with greatest facts for Questions You Need To Question Your Internet Hosting Plan Corporation.Be sure to pay a visit to the written article for more details!

Related posts:

  1. What To Know About Reseller Internet Hosting
  2. Find A Good Internet Hosting Firm
  3. What Is The Least Costly Web Hosting Providers 2013
  4. Tips To Choosing The Most Effective Windows Web Hosting California Providers
  5. Free Web Hosting Providers

Source: http://www.thefloorgeek.com/2012/12/the-fundamentals-of-internet-hosting-providers/

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Thursday, 27 December 2012

Farm Real Estate in Edina MN

For those who may have the entrepreneurial spirit, discovering farm and ranch in Edina MN could be the perfect scenario. Exactly what you might or could not recognize is that this kind of life is basically a means to combine both family members and work. Make no doubt about it, life on the farm and ranch in Edina MN is a real business. It is difficult work, either, but many people would not return to living any other way.

Sorts of Farm and Ranch in Edina MN

For beginners, there are numerous different kinds of farm and ranch in Edina MN. These could include dairy farms, cattle ranches, expanding crops (of many different ranges), orchards and even a poultry farm or ranch. Which type you choose is right for you will certainly depend upon how much land is readily available, its place and a number of other aspects.

There are a number of other types of land which are closely associated with farm and ranch in Edina MN. For example, you might be considering searching land or wood land or even land for grazing a herd of livestock. There are even real estate agents that concentrate on some of these kinds of farm and ranch in Edina MN.

The Family Farm and Ranch in Edina MN

While many of the trends are against the small family farm and ranch in Edina MN, there are still many people participated in this type of lifestyle. There is something about having the ability to live off the land, consuming just what you expand and / or raise, plus having the ability to sell enough of this to support your family at the same time.

The family farm and ranch in Edina MN is also a business enterprise. Before determining to enter this sort of lifestyle it is best to understand exactly what to expect. There will certainly be prices as you start to farm or raise pets. It is also vital to understand exactly what your crops or items will be sold for. Of course there are always changes in any market, featuring crops and cattle and anything else which can be produced on a farm and ranch in Edina MN.

Advantages of Life on the Farm and Ranch in Edina MN

There are a number of superb perks to life on the farm and ranch in Edina MN. For starters, you must be anticipating consuming most of just what you expand and raise. This must usually convert into a much healthier diet and style of life. Picture having the ability to consume your very own fresh grown fruits and vegetables, consume milk from your very own cows, fresh eggs and meat from your very own livestock. Compared to the hormone feed beef and antibiotic and pesticide loaded vegetables and fruit, you are likely to lose a great deal of weight and feel a lot more energetic and healthy.

Yet another benefit of life on the farm and ranch in Edina MN is that you (and your household) will be closer to nature. You will likely see much more selection of plant and animal life than it would be possible to note while in the city. It is also much simpler to cherish nature by much more closely noting her cycles and weather patterns.

All of your household will be instilled with the ideals of hard work and taught excellent healthy American values. Hard work is definitely not the enemy of those living on the farm and ranch in Edina MN. On top of this, you will find out how to operate all different kinds of machinery and equipment. Plus, there will not be any sort of need to go to the gym for a good workout, since farm life is enough of a workout!

For many people, being away from the hustle and bustle of the city is an additional fantastic advantage of being on the farm and ranch in Edina MN. There will certainly not be any sort of traffic, no more 9 to 5, no more day-to-day commute and being hurried, having to rush all over. You will be independent and pretty much able to do things precisely the way you want; no boss is examining your shoulder.

Drawbacks of Life on the Farm and Ranch in Edina MN

Perhaps many of the benefits do not apply or not have you too excited about life on the farm and ranch in Edina MN? Definitely there are additionally some negatives to think about before jumping into this sort of lifestyle.

For lots of people, not being in the urban area might be thought about a drawback of life on the farm and ranch in Edina MN. Some individuals truly delight in being in the city and the busyness of everything going on. If this is you, than it might be tough to live on the farm and ranch in Edina MN.

An additional possible downside is needing to rely on your own efforts. Some people just were not created to be business owners. If the concept of not having an income hanging around each week appears just frightening, life on the farm and ranch in Edina MN could be hard.

Some individuals are merely unable to deal with the daily grind of farm work. It requires waking early, doing duties every day and seeing to it that all of the work gets done when it should. It is challenging being on the farm and ranch in Edina MN, knowing that it all depends on your efforts. In this sort of life it is important to make your own security.

Finding Your Farm and Ranch in Edina MN

Finding land to use for your farm and ranch in Edina MN can be as straightforward as calling a reputable real estate company. There are even particular companies which focus on this type of land. Of course, the cost selection you are looking at will also have a bearing on just what type of land might be readily available.

Many individuals have the dream of getting closer to nature and leaving the urban area to offer their families a much more wholesome life. Discovering your very own farm and ranch in Edina MN could be simply exactly what you have actually been looking for. There are many benefits of this kind of way of life, however it is definitely not for everyone and must only be done after really cautious consideration and research.

Source: http://find-your-perfect-home.com/farms/minneapolis-mn/farm-real-estate-in-edina-mn/

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New laws address gays, children, immigration - TwinCities.com

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FILE - In this March 1, 2012 file photo, Rep. Anne Kaiser, D-Montgomery, an openly gay member of the Maryland General Assembly, holds Natalie Vincent, 10 months, the daughter of a member of Maryland Gov. Martin O'Malley's staff, after O'Malley signed the Civil Marriage Protection Act in Annapolis, Md. Measures on gay rights and child safety are among the top state laws taking effect at the start of 2013, along with attempts to prevent identity theft and perennial efforts to restrict abortion and illegal immigration.

Measures on gay rights and child safety are among the top state laws taking effect at the start of 2013, along with attempts to prevent identity theft and perennial efforts to restrict abortion and illegal immigration.

In many states, new laws take effect on Jan. 1, while in others they do so 90 days after a governor's signature.

Voter-approved laws allowing same-sex couples to marry take effect in Maryland in January and in Maine on Saturday. California also approved a law exempting clergy members opposed to gay marriage from performing same-sex marriage ceremonies.

In California, a first-of-its-kind law bans a form of psychotherapy aimed at making gay teenagers straight but is on hold during a court challenge. The law would ban what is known as reparative or conversion therapy for minors; such therapies are widely discredited by medical professionals.

A number of laws seek to protect children from bullying and abuse. Pennsylvania school employees in contact with children, who already must report suspected abuse, must now be trained to recognize the warning signs, their legal obligations and what are considered appropriate relationships with children.

That law was being debated and voted on in June as a jury was finding former Penn State assistant football coach Jerry Sandusky guilty of 45 counts for sexually abusing 10 boys over 15 years.

California coaches and administrators in K-12 schools, as well as higher education employees who

have regular contact with children, will be required to report suspected child sexual abuse. Oregon will require schools to adopt a policy on teen dating violence, a law that follows state legislation earlier this year requiring school employees to report acts of bullying, harassment and online bullying.

In Florida, the Safe Harbor Act includes provisions that require police to turn over to the Department of Children and Families any children who are alleged to be sexually exploited or dependent for assessment and possible shelter.

States continue to wrestle with illegal immigration. Pennsylvania will include a requirement that contractors on public works projects make sure through the federal E-Verify system that their employees are legal U.S. residents, while a Montana ballot measure taking effect denies illegal immigrants of state services.

Supporters say the Montana law will prevent illegal immigrants from obtaining services and prevent them from taking jobs at a time of high unemployment. Opponents argued there is no proof illegal immigrants are using state services in Montana.

Also in Montana, voters overwhelmingly passed a measure requiring parental notification for minors' abortions, while in Georgia a new law will prohibit doctors from performing an abortion 20 weeks after an egg is fertilized unless a pregnancy is determined to be medically futile, meaning it would result in the birth of a child unlikely to survive because of a serious defect. Georgia became the seventh state in the country to approve the so-called fetal pain act.

"Today, we are reaffirming Georgia's commitment to preserving the sanctity of all human life," Gov. Nathan Deal said in a statement released shortly after he signed the bill in May.

The measure passed over the objection of many female lawmakers, including Sen. Valencia Seay, who said the bill's passage and signing was "unconscionable, but not surprising" and typical of the male-dominated General Assembly.

New Hampshire enacts a ban on a type of late-term abortion procedure sometimes called "partial birth abortion" after lawmakers overrode the veto of Gov. John Lynch, who said the measure was unnecessary because federal law already prohibits such procedures. Supporters of the ban say they don't trust the government to prosecute the law.

In Maryland, parents will be able to freeze their child's credit at any time if the child becomes a victim of identity theft. "This just freezes the information to ensure that it's not used for ill purposes," said Delegate Craig Zucker, a Democrat who sponsored the bill in the Maryland House of Delegates.

In Delaware, state officials must request an annual credit report for every child in foster care.

Among other new laws:

? Alabama begins cracking down on the state's 900,000 uninsured drivers with a new system that allows instant checks by police, license plate offices and the state Revenue Department.

? A pair of laws in Georgia and Pennsylvania address the shortfalls faced by some states from the cost of unemployment benefits by raising employers' contributions to unemployment compensation trust funds.

? In New Mexico, drivers registering their car or truck will be able to donate $1 or $5 to a state fund that supports programs and services to veterans, such as assistance in finding a job or treatment of post-traumatic stress disorder. In Utah, U.S. military personnel will be exempted from having to pay a full year's property taxes after their return from 200 days of active duty in any calendar year.

? In Florida, it will no longer be illegal to flash your headlights to warn oncoming drivers that police are lurking on the roadside ahead. The legislation was introduced after drivers were ticketed for warning other motorists that officers may be trying to catch speeders on the highway.

? A California law bans the use of dogs when hunting bobcats or bears, while Wisconsin's expansion of its hunting seasons in state parks to a month in autumn and another in April was a scaled-back version of a proposal that would have allowed hunting across a seven-month period from mid-October to late May. Residents reacted to the longer proposal with thousands of angry letters and emails.

Most people who opposed the measure said they would stop bringing their families to state parks if there were a chance of being struck by a stray bullet or of a pet straying into an animal trap. Supporters countered that hunting has long been a Wisconsin tradition and that hunters were well-versed in practicing safe techniques.

???

Welsh-Huggins reported from Columbus, Ohio.

Source: http://www.twincities.com/news/ci_22262027/new-laws-address-gays-children-immigration?source=rss

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NASA prepares twin spacecraft for crash landing

Ebb and Flow, two spacecraft that have been investigating the moon's gravitational field, will end their existence by smashing into the moon's north pole next week. The event is not likely to be visible from Earth, but the?Lunar Reconnaissance Orbiter?may catch a glimpse. ? ?

By Alicia Chang,?Associated Press / December 13, 2012

This artist rendering released by NASA shows the twin spacecraft Ebb and Flow orbiting the moon. The duo is preparing for a crash landing on the moon next week.

AP Photo/NASA

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After nearly a year circling the moon,?NASA's?Ebb and Flow will meet their demise when they crash ? on purpose ? into the lunar surface.

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Just don't expect to see celestial fireworks. Next week's impact near the moon's north pole by the washing machine-sized spacecraft won't carve a gaping crater or kick up a lot of debris. And it'll be dark when it happens.

"We are not expecting a big flash or a big explosion" that will be visible from Earth, said mission chief scientist Maria Zuber of the Massachusetts Institute of Technology.

Still, it'll mark a violent end to a successful mission that has produced the most high-resolution gravity maps of Earth's closest neighbor. On Friday, engineers will turn off the science instruments in preparation for Monday's finale.

Previous unmanned trips to the moon have studied its lumpy gravitational field, but Ebb and Flow are the first ones dedicated to this goal. Since entering orbit over New Year's weekend, the formation-flying spacecraft have peered past the craggy surface into the interior.

Initially, the spacecraft flew about 35 miles (56 kilometers) above the surface and later dropped down to 14 miles (22 kilometers). About an hour before Monday's impact, they will fire their engines until they run out of fuel and slam at 3,800 mph (6,115 kph) into a predetermined target ? a mountain near the north pole that's far away from the Apollo landing sites.

Ebb will hit first followed by Flow 20 seconds later. Though the drama won't be visible from Earth, the Lunar Reconnaissance Orbiter will fly over the crash site afterward and attempt to spot them.

The last time?NASA?aimed at the moon was in 2009. The world watched through telescopes and over the Internet as a spacecraft and its booster rocket smashed into a permanently shadowed crater ? a one-two punch that fizzled when spectators saw little more than a fuzzy white flash.

The mission's end will also mark the close of a student campaign that used cameras aboard the spacecraft to image lunar targets including on the moon's far side. The MoonKAM project was spearheaded by a science education company founded by Sally Ride, the first American woman in space. Ride died of pancreatic cancer in July at age 61.

Even after Ebb and Flow complete their mission, scientists will continue to pore over the bounty of data they collected.

Among their findings so far: The moon is more beat up than previously imagined. The crust is much thinner than thought. And there's no evidence that Earth once had two moons that collided to form the one we see in the night sky.

Follow Alicia Chang at http://twitter.com/SciWriAlicia

Source: http://rss.csmonitor.com/~r/feeds/science/~3/RnMERHgbLHI/NASA-prepares-twin-spacecraft-for-crash-landing

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Personal Finance Expert and Wall Street Journal ... - Debt Advice

www.debteliminationacademy.com What About what Dave Ramsey, Suze Orman, Rick Adleman have to say concerning getting out of debt. Learn about Debt, How To Eliminate Debt Quick, How To Get Out of Debt, How To Pay Off Debt,& Make Wealth

(PRWEB) October 6, 2004

Lynnette, a former Wall Street Journal reporter for CNBC, will offer a free financial workshop and have a question-and-answer session for those who want to learn more about eliminating credit card debt from their lives.

The event will take place at Hue-Man Bookstore and Café, 2319 Frederick Douglass Blvd, between 124th and 125th Streets, New York, NY 10027. Contact: telephone: 212-665-7400 and email: info@hue-manbookstore.com .????

??The truth of the matter is that we live in a credit-driven society,?? Lynnette writes in the introduction to ZERO DEBT. ??It??s unrealistic, and in some cases detrimental to you, to simply say: ??I won??t buy on credit,?? or ??I will never use credit cards.???? So cutting up credit cards is a shortsighted, temporary solution at best, she contends.

Lynnette has personally conquered more than $ 100, 000 in credit card debt, and she did it WITHOUT filing bankruptcy, enrolling in a debt management plot, credit counseling, or getting any negative marks on her credit. ??Even though I had so much debt, I never missed a payment or had a bill collector call me house. Nevertheless, I?m pleased to say that I??ve?? now eliminated all my credit card debt.??

During Tuesday??s Zero Debt seminar, participants will learn how to:

??Eliminate credit card debts

??Fix errors/clean up your report

??Save money and budget properly

??Achieve peace of mind over you finances

Lynnette, a veteran financial news journalist, currently writes a weekly newspaper column called ??Financially Fit.?? Lynnette is also the author of Investing Success: How to Conquer 30 Costly Mistakes and Multiply Your Wealth! (Advantage World Press; $ 24.95).

A frequent guest on TV and radio shows across the country, Lynnette is a well loved national speaker on money management, debt elimination, financial plotting and investing. She has also been the Personal Finance Editor for Dow Jones Newswires, a correspondent for The Philadelphia Inquirer, a writer for FOX-TV in Philadelphia, and a reporter for the Associated Press in Los Angeles. Visit Lynnette??s web site and sign up today for her free personal finance newsletter at http://www.themoneycoach.net .

Media contact: Benita Gold at 212-678-0469 or Benita @BenitaGoldPR.com

# # #

Source: http://debtadvice.only-the-news.com/personal-finance-expert-and-wall-street-journal-veteran-to-give-aazero-debtaa-seminar/

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US Treasury to take steps to avoid borrowing limit

FILE - In this Thursday, July 26, 2012, file photo,Treasury Secretary Timothy Geithner testifies on Capitol Hill in Washington, before the Senate Banking Committee hearing: "The Financial Stability Oversight Council Annual Report to Congress." The U.S. Treasury Department announced Wednesday, Dec. 26, 2012, it will begin taking steps this week to delay hitting the government's $16.4 trillion borrowing limit. Without those steps, the debt limit would be hit on Dec. 31. Treasury Secretary Timothy Geithner says in a letter to congressional leaders that the department will take several accounting measures to save approximately $200 billion beginning next year. The government borrows about $100 billion a month, so that would (AP Photo/Haraz N. Ghanbari, File)

FILE - In this Thursday, July 26, 2012, file photo,Treasury Secretary Timothy Geithner testifies on Capitol Hill in Washington, before the Senate Banking Committee hearing: "The Financial Stability Oversight Council Annual Report to Congress." The U.S. Treasury Department announced Wednesday, Dec. 26, 2012, it will begin taking steps this week to delay hitting the government's $16.4 trillion borrowing limit. Without those steps, the debt limit would be hit on Dec. 31. Treasury Secretary Timothy Geithner says in a letter to congressional leaders that the department will take several accounting measures to save approximately $200 billion beginning next year. The government borrows about $100 billion a month, so that would (AP Photo/Haraz N. Ghanbari, File)

(AP) ? The U.S. Treasury Department will begin taking steps on Friday to delay hitting the government's $16.4 trillion borrowing limit on Dec. 31.

Treasury Secretary Timothy Geithner said in a letter Wednesday to congressional leaders that the department will use accounting measures to save approximately $200 billion. That could keep the government from reaching the limit for about two months.

The move comes as President Barack Obama and the GOP congressional leadership resume negotiations over how to avoid a series of tax increases and spending cuts, known as the "fiscal cliff," that are scheduled to take effect in the new year.

Obama has sought to include an increase in the borrowing limit in any agreement to avoid the cliff. But Speaker John Boehner and other Republican leaders have demanded concessions in return. The negotiations hit a stalemate last week. Obama and lawmakers are returning to Washington this week to try again.

Geithner says the negotiations over tax and spending policies make it difficult to predict how long he can delay reaching the borrowing limit. The absence of a specific timeframe may be intended to pressure Republicans to allow a debt limit increase in a potential budget deal.

For now, Treasury will take several steps to delay reaching the limit. Geithner said it will stop selling Treasury securities used by state and local governments to support their own sales of tax-exempt bonds. That will keep the department from accumulating more debt.

And the department will stop investing in government retirement funds.

The borrowing limit is the amount of debt the government can pile up. The government accumulates debt two ways: It borrows money from investors by issuing Treasury bonds, and it borrows from itself, mostly from Social Security revenue.

In 2011, Congress raised the limit to nearly $16.4 trillion from $14.3 trillion. Three decades ago, the national debt was $908 billion. But Washington spent more than it took in, and the debt rose steadily ? surpassing $1 trillion in 1982, then $5 trillion in 1996. It reached $10 trillion in 2008 as the financial crisis and recession dried up tax revenue and as the government spent more on unemployment benefits and other programs.

In August 2011, the rating agency Standard & Poor's stripped the U.S. government of its prized AAA bond rating because it feared that America's dysfunctional political system couldn't deliver credible plans to reduce the federal government's debt. S&P decried American "political brinksmanship" and concluded that "the differences between political parties have proven to be extraordinarily difficult to bridge."

A year and a half later, the two political parties are still as deadlocked as ever.

Despite S&P's warnings and the political stalemate, investors still want U.S. Treasurys. Given economic turmoil in Europe and uncertainty elsewhere, U.S. government debt and U.S. dollars look like the safest bet around.

That is why the interest rate, or yield, on 10-year Treasury notes has fallen from 2.58 percent on Aug. 5, 2011 to 1.75 percent Wednesday.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2012-12-26-US-Borrowing%20Limit/id-91030d08ab844f18869af04633d6dfd4

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Charred Body, Note Found Inside NY Shooter's Home - Fox 4

Posted on: 7:35 am, December 26, 2012, by Sarah Clark, updated on: 07:37am, December 26, 2012

William Spengler, 62, gunman who shot and killed two firefighters, Lt. Michael Chiapperini and Tomasz Kaczowka, when they responded to a house fire in Webster, NY. Spengler allegedly set his home ablaze.

By Alan Duke

(CNN) ? A sniper who ambushed volunteer firefighters in upstate New York on Monday, killing two and seriously wounding two others, left a note saying he hoped to burn down his neighborhood and kill as many people as possible, police said Tuesday.

A charred body, believed to be his sister?s, was found in the burned house she shared with him Tuesday, police said.

William Spengler, 62, used a Bushmaster semiautomatic rifle, the same kind of weapon used in the assault on Sandy Hook Elementary School, Webster Police Chief Gerald Pickering said.

?He was equipped to go to war,? Chief Pickering said.

The shooter, who was convicted of killing his grandmother decades ago, was found dead of a self-inflicted gunshot wound hours later.

Pickering, at a news conference Tuesday, read a sentence from the three-page typewritten note that detectives believe Spengler?s left behind: ?I still have to get ready to see how much of the neighborhood I can burn down and do what I like doing best ? killing people.?

The note indicated Spengler?s intentions, but not his motive, Pickering said. The rest of the contents will not be made public because it is evidence in a criminal investigation, he said.

There is ?all kinds of speculation? about why Spengler wanted to destroy his neighborhood and kill firefighters and residents, Pickering said.

One theory is that he was upset about a donation his mother, who died in the past year, made to the fire department, he said. Another theory is there could be a connection to his arrest in the killing of his grandmother, he said.

?Motive is always the burning question and I?m not sure we?ll ever really know what was going through his mind,? Pickering said.

Spengler was convicted in 1981 of first-degree manslaughter in the death of his grandmother and had been released on supervised parole, Pickering said.

It will be a challenge for the medical examiner to determine if his sister ? 67-year-old Cheryl Spengler was killed before the fire was set because it was a ?raging inferno,? Pickering said.

Spengler?s former neighbor, Roger Vercruysse, said that Spengler was a nice guy who used to come over to Vercruysse?s sister?s house for holiday parties and would wave to the family from his front porch, where he often sat during the summer.

?He?d come to our house, we used to have picnics,? he said.

Spengler was especially attentive to his mother, who passed away in October, Vercruysse said, visiting her every day in the nursing home where she lived until she died.

?He loved his mama,? Vercruysse said. ?He always talked about his mother.?

Spengler did not share the same closeness with his sister, with whom he shared his home, Vercruysse said.

?He told me he hated his sister and never could tell me why,? he said. ?I?d always wave to the sister, but she was not friendly.?

Firefighters from the Rochester-area town of Webster responded before 6 a.m. Monday to a 911 call, reporting a fire that Spengler is believed to have set, when the gunfire began, Pickering said.

?This was a clear ambush on first responders,? he said. Spengler was firing from ?a natural depression? against a bank and a tree, he said.

An off-duty police officer, who happened on the scene, returned gunfire and sheltered firefighters with his car, Pickering said.

?Had the police officer not been there, more people would have been killed because he immediately engaged the shooter with a rifle,? he said. ?Essentially, it was a combat condition.? Investigators won?t know until after an autopsy if any of his shots hit Spengler, he said.

Officer John Ritter of the Greece, New York, Police Department, suffered minor shrapnel wounds but was released after treatment at a hospital.

The two wounded firefighters were in stable condition after surgery Tuesday, Pickering said Tuesday morning. They were being treated for ?serious injuries? in intensive care at Strong Memorial Hospital in Rochester, New York, he said.

Seven houses were destroyed and several others damaged by the fire, which investigators believe spread from a car parked next to the home where they believe Spengler lived, Pickering said.

Authorities do not know how Spengler obtained the Bushmaster rifle, .38-caliber revolver and 12-gauge shotgun he used, Pickering said. As a convicted felon, Spengler was not allowed to legally possess weapons.

In chilling audio heard over a scanner Monday, a West Webster Fire Department firefighter reported ?multiple firemen shot? ? including himself, with wounds to his lower back and lower leg ? and ?shots still being fired.?

?I?m pretty sure that we have two DOAs? ? the term for dead on arrival ? ?on the street,? the wounded firefighter said. ?? They?re down and not good.?

For several hours after that, the threat of gunfire stopped firefighters from battling the blaze and forced police SWAT teams to evacuate 33 people in the neighborhood of small waterfront homes.

The fire destroyed seven houses. It was under control by 2:30 p.m. ET, but authorities weren?t able to get into any of the homes. Pickering said it?s possible that more victims could be inside.

Lt. Michael Chiapperini, a firefighter who died at the scene, was a veteran of the West Webster Fire Department and a police lieutenant. He?d been named Firefighter of the Year just two weeks ago. And not long before that, he had volunteered to go to Long Island to help those suffering after Superstorm Sandy, New York Lt. Gov. Bob Duffy said.

The other slain firefighter was Tomasz Kaczowka, who was also a 911 dispatcher. He?d been with the West Webster Fire Department for just more than a year, department spokesman Al Sienkiewicz said.

The shooting occurred amid a renewed gun control debate after the December 14 elementary school massacre in Newtown, Connecticut, that killed 26 people, most of them children. The gunman in that case, Adam Lanza, also killed his mother and himself.

The head of a lobbying group that represents first responders said the Monday shooting was ?senseless and cruel.?

?The firefighters who responded today were performing a selfless, meaningful service to their community, unaware that a cold-hearted maniac was planning to ambush them and take their lives,? said Harold Schaitberger, general president of the Washington-based International Association of Fire Fighters. ?Coming on the heels of the horrific tragedy in Newtown, Connecticut, and on Christmas Eve, this shooting is even harder to comprehend.?

New York Gov. Andrew Cuomo described the Webster shooting as ?horrific.? And the state?s attorney general called it a ?senseless tragedy?

President Barack Obama has set a January deadline for ?concrete proposals? to deal with gun violence after the Newtown shooting.

Sen. Dianne Feinstein, D-California, has said she will introduce legislation to reinstate the assault weapons ban that expired in 2004, while National Rifle Association CEO Wayne LaPierre has said his group will fight any new gun restrictions, saying most gun laws now on the books are rarely enforced.

Pickering, the Webster police chief, said it was important ? after the shooting in his town and others ? to ?get a handle on gun control.? He also said more needs to be done to make sure that dangerous people aren?t in society, where they can kill.

?For the last 20 years we have been turning people loose and de-institutionalizing people, and I think we?ve swung too far,? he said. ?I think there are still people that need to be in institutions that are a danger to themselves or others. And this is a classic example.?

CNN?s Brittany Brady, Chuck Johnston, Jake Carpenter and John Fricke contributed to this report.

Source: http://fox4kc.com/2012/12/26/charred-body-found-note-inside-ny-shooters-home/

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Tuesday, 25 December 2012

Good Reads: American manufacturing, Apple's new CEO, and a father-son journey to meet two presidents

A round-up of this week's long-form good reads include takes on America's manufacturing power, how religion is faring in the US, and the power of seeing a son in a new light.

By Dave Cook,?Staff writer / December 14, 2012

In this file photo, Apple CEO Tim Cook speaks following an introduction of the new iPhone 5 in San Francisco earlier this fall.

Eric Risberg/AP

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Manufacturing growth

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Things may finally be looking up for US manufacturing, James Fallows argues in the December issue of The Atlantic.?

Even in its battered condition, the American manufacturing sector is still the largest in the world, but its share of the US economy has declined from 20 percent in the early 1980s to just over 10 percent today. In the process, many high-paying jobs moved to China and other lower-wage countries, while Rust Belt communities in the United States were hard hit.

Two trends are likely to get trade winds blowing toward America again, Mr. Fallows contends. First, new technologies emerging in the US, such as 3-D printing, make it easier and faster to design, build, and refine products. Three-dimensional printing allows firms to use computerized molding systems to produce prototypes in minutes or hours. ?A revolution is coming to the creation of things, comparable to the Internet?s effect on the creation and dissemination of ideas,? one industrial design expert told Fallows.

At the same time, tumultuous changes in China are reducing its manufacturing advantages, complicating life for outsourcers and exporters. ?In China, wages are rising, workers are becoming choosier, public resistance to environmental devastation is growing, and the Chinese ?investment led? model is showing strain,? Fallows says.?

Apple?s new CEO

Apple chief executive officer Tim Cook talked extensively about management and corporate creativity in an interview with Bloomberg Businessweek editor Josh Tyrangiel.

Mr. Cook succeeded Apple?s late co-founder Steve Jobs. Mr. Jobs was a major shareholder in the Walt Disney Company and had seen how executives there wasted time trying to figure out what Disney himself would have done after the founder of the company had passed away. Jobs ?removed a tremendous burden for me,? Cook says, by instructing, ?I never want you to ask what I would have done. Just do what is right.?

Apple has taken heat for poor working conditions at massive Foxconn Technology Group factories in China where many of its products are assembled. Cook told Businessweek that Apple would start producing one line of its Mac computers in the US in 2013 ? a modest sign of the brightening prospects for US manufacturing mentioned above.

Creativity, in Cook?s definition, is ?people who care enough to keep thinking about something until they find the simplest way to do it.? He laughed about corporate innovation departments saying that having one ?is always a sign that something is wrong ... you know, put a for sale sign on the door.?

Source: http://rss.csmonitor.com/~r/csmonitor/globalnews/~3/uF1QmfGsiOE/Good-Reads-American-manufacturing-Apple-s-new-CEO-and-a-father-son-journey-to-meet-two-presidents

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New Mothers May Watch Their Debt Differently | The Board Magazine

New mothers have a lot of things to worry about, but payday loans shouldn?t be one of them. Preparing for the arrival of a new baby is a challenge, mentally, physically, and financially. Adding the stress of repaying a payday advance to an already worrisome situation is a recipe for disaster. However, women in the 24-40 year old demographic?an age group that corresponds with the childbearing years?are the most likely to utilize payday loan services. Women in this age group may be more likely to utilize payday lender services for a variety of reasons.

The combination of limited work hours and the high costs of caring for an infant is bound to financially challenge many mothers, especially if they are raising said child on their own. Such financial hardship makes them strong candidates for payday loan usage, as they need to care for their children yet don?t always have the means to do so. Raising a child is expensive, and the first year may be the most costly of all. Buying clothes, diapers, food, strollers, furniture, car seats, and baby proofing one?s house are just a few of the expenses associated with the stork?s arrival. Clearly, new mothers have a lot of expenses to juggle, and doing so with a brand new baby is not an easy task. Some preventive measures can be taken, however, to keep a new mom out of the payday loan office.

*Refurbish old furniture and save on decorating the nursery. One of the best things about decorating for a baby is that you can have a lot of fun with it. Have an old, worn dresser or armoire in your house? Paint it a kid friendly color and change out the hardware to make it a new, individualized, and fun nursery piece. A can of paint and a few nobs are much cheaper than the interest on a payday loan, not to mention the cost of buying a new piece of furniture.

*Shop at thrift stores and yard sales for lightly-used strollers, car seats, high chairs, and furniture. Babies grow fast; thus, the aforementioned items are often only used for a brief period of time before the baby has outgrown them. By purchasing these items pre-owned, a new mom can save money while contributing to another family. The family who is selling the item could likely use the extra income too, thus the purchase is a win-win.

*Don?t be too proud to take hand me downs from family and friends. Baby clothes get little wear, as the little ones grow so quickly. If you have a friend or family member with old clothes they are willing to donate, take them. Doing so will free up some storage space in the friends/families house and keep your baby snug and fashionable without breaking the bank.

*Have a baby shower with a diaper raffle. A baby shower is a great environment to share with your friends and family the love and excitement that a new baby brings. Along with gifts of clothes and baby necessities, baby showers give a new mom the chance to acquire diapers, which are unbelievably expensive. Have a diaper raffle at your shower, wherein each guest gets a raffle ticket for each pack of diapers that they bring. Whoever wins the raffle receives a nice gift, like a dinner gift certificate or massage. The cost of the gift will be far less than the cost of the diapers and save the new mom a bundle.

By following these tips, a new mom can avoid payday loans and provide for her new addition. When a little extra cash in needed, getting a payday loan may be fastest and easiest. Keep in mind, the money you borrow is expected to be paid back with your next paycheck. Most new moms are still at home with their baby and may not have the proper source of income to be in a borrowing position.

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Source: http://theboardmagazine.com/2012/12/new-mothers-may-watch-their-debt-differently/

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Three money management tools to look into this 2013 | Firstpost

How do you manage your money? One coin, at a time? It?s all right for your grandfather or father to manage money the traditional way. But with so many personal finance/ money management tools available online, you simply have no excuse to still stick to the paper-pencil method. After all, if you are on Facebook and Twitter and reading this story online on Firstpost, we already know you are tech savvy.

Why tools: Today, we have multiple bank accounts, a few loans running, then there are credit cards, debit cards, insurance premiums, mobiles bills, mutual funds, stocks, taxes and expenses, and like to look into. And handling all of them the traditional way is hard. Hence the need for online money management tools.

You can either upload all the e-statements manually or simply link your various accounts to be auto updated to the tool. Reuters

What?s on offer: From a money management point of view, today we need three things: gathering all our financial data in one place; keep track of our overall portfolio in real time; and tools that help us with budgeting and tracking our expenses.

Here are a few online tools which you could use this coming year, to bring some method to your money management madness.

Perfios.com: Is an online money management tool. Once you register with the tool, you get to view all your financial accounts at this site.

Which simply means, no more remembering multiple login IDs and passwords. You can track various financial accounts via this tool, right from balances in your savings accounts, to credit cards.

Even investments like mutual fund shares, insurance policies, loans and FD. You can either upload all the e-statements manually or simply link your various accounts to be auto updated to the tool. You can also use the tool to file your income tax returns online. Moreover, you can use the tool, to run various reports to know your income and expense pattern.

This tool lets you know the amount of capital gains you?ve made on your investments in equity and mutual funds and also know your total tax liability. The tool allows you to set reminders and alerts for various bill payments and insurance premium reminders and like, so no more late payment fees, thanks to the bill payment reminders. And the best part is that you need not pay a fee to use basic services at Perfios. But you will have to pay for their gold and premium packages.

Moneycontrol.com: If you like to track your investments, that too via live price updates, Moneycontrol?s Portfolio Manager tool is for you. You get to see a consolidated view of all your investments, right from stocks, mutual funds, unit-linked insurance plans (ULIPs) and the like. You get to track as well as update your mutual funds systematic investment plans, as well as track dividends on the investment you have made.

Moreover, the tool also helps you know the status of the capital gains you made and your tax status. You can see how your individual stocks and overall portfolio performed against various indices. That?s not all. You get to create various watch list for stock, mutual funds, commodity as well as futures watch list. In short, if you are looking for account aggregation, real time view of your investments and financial planning, check this tool as soon as possible. (Disclosure: moneycontrol.com and firspost.com are part of Network18 Media and Investment Ltd.)

Trackeverycoin.com: If you are some one who usually has more month left at the end of your salary, you probably are not sure where your money goes. This means, you need an expense tracker. Trackeverycoin is one such tool which helps you track your daily expenses, income, savings as well as remind you about bills and company reimbursements and the like.

The tools allow you to add/ edit and modify categories of both expense and income, right form regular expenses like fuel, mobile bills and the like, to shared expenses such as your dinner bill with your mate. You also get to use ?I owe you? feature, where you can note the amount of funds you owe.

Then there is ?You owe me? feature which shows the funds people owe you. The tool generates monthly reports and emails you the same. Simply put, if you are serious about knowing where your money goes this tool is an excellent start. It not only tells you know where and how much you spend, but give an overview of your spending habits. And, as they say, tracking expenses is the first step to getting money matters straight.

So, in 2013, check out these tools for better money management.

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Source: http://www.firstpost.com/investing/three-money-management-tools-to-look-into-this-2013-567506.html

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Police: NY gunman set 'trap' for firefighters - abc27 WHTM

By JOHN KEKIS
Associated Press

WEBSTER, N.Y. (AP) - An ex-con gunned down two firefighters after luring them to his neighborhood by setting a car and a house ablaze early Monday, then took shots at police and committed suicide while several homes burned.

Authorities used an armored vehicle to help residents flee dozens of homes on the shore of Lake Ontario a day before Christmas. Police restricted access to the neighborhood, and officials said it was unclear whether there were other bodies in the seven houses left to burn.

The gunman's sister, who lived with him, was unaccounted for. The gunman's motive was unknown.

William Spengler fired at the four firefighters when they arrived shortly after 5:30 a.m. at the blaze in Webster, a suburb of Rochester, town police Chief Gerald Pickering said. The first police officer who arrived chased the gunman and exchanged shots.

Spengler lay in wait outdoors for the firefighters' arrival, then opened fire probably with a rifle and from atop an earthen berm, Pickering said.

"It does appear it was a trap," he said.

Spengler had served more than 17 years in prison for beating his 92-year-old paternal grandmother to death with a hammer in 1980 at the house next to where Monday's attack happened, Pickering said. Spengler, 62, was paroled in 1998 and had led a quiet life since, authorities said. Convicted felons are not allowed to possess weapons.

Two firefighters, one of whom also was a town police lieutenant, died at the scene, and two others were hospitalized. An off-duty officer who was passing by also was injured.

Another police officer, the one who exchanged gunfire with Spengler, "in all likelihood saved many lives," Pickering said.

Emergency radio communications capture someone saying he "could see the muzzle flash coming at me" as Spengler carried out his ambush. The audio posted on the website RadioReference.com has someone reporting "firefighters are down" and saying "got to be rifle or shotgun - high powered ... semi or fully auto."

Spengler lived in the house with his sister, Cheryl Spengler, and his mother, Arline Spengler, who died in October. He had originally been charged with murder in connection with grandmother Rose Spengler's death but pleaded guilty to a reduced charge of manslaughter.

A friend said William Spengler didn't seem violent but hated his sister. Roger Vercruysse lived next door to Spengler and recalled a man who doted on his mother, whose obituary suggested contributions to the West Webster Fire Department.

"He loved his mama to death," said Vercruysse, who last saw his friend about six months ago. "I think after his mama passed, he went crazy."

Vercruysse also said Spengler "couldn't stand his sister" and "stayed on one side of the house and she stayed on the other."

The West Webster Fire District learned of the fire early Monday after a report of a car and house on fire on Lake Road, on a narrow peninsula where Irondequoit Bay meets Lake Ontario, Monroe County Sheriff Patrick O'Flynn said.

The fire appeared from a distance as a pulsating ball of flame glowing against the early morning sky, flames licking into treetops and reflecting on the water, with huge bursts of smoke billowing away in a brisk wind.

Two of the firefighters arrived on a fire engine and two in their own vehicles, Pickering said. After Spengler fired, one of the wounded men fled, but the other three couldn't because of flying gunfire.

A police armored vehicle was used to recover two men, and eventually it removed 33 people from nearby homes, the police chief said. The gunfire initially kept firefighters from battling the blazes.

The dead men were identified as police Lt. Michael Chiapperini, 43, the Webster Police Department's public information officer; and 19-year-old Tomasz Kaczowka, also a 911 dispatcher.

Pickering described Chiapperini as a "lifetime firefighter" with nearly 20 years in the department, and he called Kaczowka a "tremendous young man."

Kaczowka's brother, reached at the family home Monday night, said he didn't want to talk.

The two wounded firefighters, Joseph Hofstetter and Theodore Scardino, were in guarded condition in the intensive care unit at Strong Memorial Hospital, authorities said. Both were awake and alert and are expected to recover.

Hofstetter, also a full-timer with the Rochester Fire Department, was hit once in the pelvis, and the bullet lodged in his spine, authorities said. Scardino was hit in the chest and knee.

At West Webster Fire Station 1, there were at least 20 bouquets on a bench in front and a bouquet of roses with three gold-and-white ribbons saying, "May they rest in peace," ''In the line of duty" and "In memory of our fallen brothers."

A handwritten sign says, "Thanks for protecting us, RIP." Two candles were lit to honor the dead.

Grieving firefighters declined to talk to reporters. At an impromptu memorial vigil Monday evening, about 100 people stood in the cold night air, some holding candles. A fire department spokesman made a brief appearance, thanked them all and told them to go home and appreciate their families.

Cathy Bartlett was there with her teenage son, who was good friends with Kaczowka. Bartlett's husband, Mark Bartlett, has been a firefighter there for 25 years but missed the call this morning.

"Thank God my husband slept through the first alarm and didn't get up until the second one went off," she said.

The shooting and fires were in a neighborhood of seasonal and year-round homes set close together across the road from the lakeshore. The area is popular with recreational boaters but is normally quiet this time of year.

"We have very few calls for service in that location," Pickering said. "Webster is a tremendous community. We are a safe community, and to have a tragedy befall us like this is just horrendous."

O'Flynn lamented the violence, which comes on the heels of other shootings including the massacre of 20 students and six adults at Sandy Hook Elementary School in Newtown, Conn.

"It's sad to see that this is becoming more commonplace in communities across the nation," O'Flynn said.

Gov. Andrew Cuomo said the State Police and Office of Emergency Management were working with local authorities.

"Volunteer firefighters and police officers were injured and two were taken from us as they once again answered the call of duty," Cuomo said in a statement. "We as the community of New York mourn their loss as now two more families must spend the holidays without their loved ones."

Webster, a middle-class suburb, now is the scene of violence linked to house fires for two Decembers in a row.

Last Dec. 7, authorities say, a 15-year-old boy doused his home with gasoline and set it ablaze, killing his father and two brothers, 16 and 12. His mother and 13-year-old sister escaped with injuries. He is being prosecuted as an adult.

___

Associated Press writers Chris Carola, George Walsh and Mary Esch in Albany contributed to this report.

Copyright 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Source: http://www.abc27.com/story/20417024/firefighter-shot-at-scene-of-blaze-in-western-ny

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