Monday, October 15, 2012

The Futility of Base-Broadening to Pay for Massive Tax Rate Cuts

A quick one before hightailing it to the airport:

New JCT Study Shows Futility of Base-Broadening to Pay for Massive Tax Rate Cuts, by David Dayens: As long as the only thing we?re going to talk about for the next few weeks in the election is taxes, I might as well provide the update. The Joint Committee on Taxation, the ?CBO for taxes? as it were, the nonpartisan scorekeeper on tax policy, just released a report that should end all discussion about the Romney campaign?s plans for a deficit-neutral 20% across-the-board rate cut.

Repealing all itemized deductions in the U.S. tax code would pay for only a 4 percent cut in income tax rates,... an estimate ... that casts doubt on Republicans? ability to finance lower income-tax rates with base broadening....

...[T]his is not a perfect indicator of the Romney plan. But the basic principle applies, and it?s so far from the reality of what Romney wants to achieve ? a 20% rate cut without adding to the deficit, and without an increase on the middle class ? that I think it serves as more evidence of the futility of the exercise. ...

Mark Zandi, the Moody?s.com economist always trotted out to bless this or that plan, admitted today that the Romney plan is mathematically impossible....

Posted by Mark Thoma on Saturday, October 13, 2012 at 08:18 AM in Economics, Politics, Taxes?| Permalink? Comments?(0)

Source: http://economistsview.typepad.com/economistsview/2012/10/the-futility-of-base-broadening-to-pay-for-massive-tax-rate-cuts.html

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Basic Elements Of Search Engine Optimization | Marijuana for MRSA

If someone clicks on a link to your site from another website that is relevant in terms of content and keywords to your own then this will effectively be a ?quality? backlink. Use the nofollow attribute to prevent passing your page?s reputation to the pages or websites linked to from your website. It is vital to the business of any start up company, or even a traditional established company to be seen and know in the Internet. The better SEO a website is then the more chance it has of gaining a higher level of traffic and popularity. (1) Do a search for sites similar to yours using some site related keywords.

Search engine optimization (SEO) includes the choice of keywords used in the text paragraphs and the placement of those words on the page, both visible and hidden inside Meta tags. SEO may be a cost efficient manner of internet marketing nevertheless there is no first expenses additionally, the email addresses are splendid. It covered a lot of tools that are useful for people that are just starting out with internet writing. It certainly is not a very difficult thing to do, however. Quality backlinks will in effect ensure that you receive relevant users that will more than likely keep coming back to your blog or website because they have an interest in your content.

This means that there?s a great opportunity of overtaking your competition, at the least with regards to the online search scene. You will find various facets of a seo firm to consider before employing one ? the foremost being their service choices. SEO or search engine optimization is a method through which a website owner drives quality traffic and increase the number of visitors to his/her website. Google?s penguin algorithm attacks webspam and insists on good quality content to enhance the user experience. Product reviews further interest and entice your potential customers to turn into buyers for you.

A search engine optimization service is used by several website promoters as a marketing strategy to come up within the first ten rankings. This guide will provide you with the basics to get you started, as well as direct you to more useful resources that will help your website climb to the top of natural search results. Further, if you are able to find the keywords used by your prospective customers and optimize your SEO strategy accordingly, you can get targeted traffic to your website. For example, if you have a site on Gifts, then birthday gifts could be a distinct section. The Search Engine Optimization is the process of popularizing a website to increase the visibility of the site on the search engines and the search engine users.

While pleasing to the eye, search engines can?t read them and they won?t follow the text links or recognize the content. Numerous SEO experts tend to be not aware of the search engine ranking tips for page redirection. Sitemaps have the potential to get all of your pages listed in the ranking along with some metadata if desired. SEO is an online marketing technique that improves the exposure or visibility of a website or page throughout different search engines, Google and Yahoo being two of the most common. The primary cause of these kinds of augmented significance to Search engine marketing in your online business is always that since the search motor optimized online portals get pleasure from greater quantity website traffic.

SEO is an involved process that addresses each website?s unique needs, so it is never an one-size-fits-all deal. Search Optimization is one of the most overlooked marketing tactics that companies fail to implement when setting out to launch their website. (5) Create a sitemap and submit it to the search engines. Once in the top 100, sometimes as fast as a day or two if I have selected high-volume low competition keywords, the next goal is to drive measurable thirty pages and then to the first page of a Google organic search. More frequently than not the level of competition is really low-tipping the odds for 1st page SEO success to your benefit.

Toronto Search Engine Optimization will give you confidence and capability to deliver what you need has prompted us to work on a success-based model. There are free programs that can create the sitemap for you. This way you will be able to improve the conversion rate on your site from just a visitor to someone who buys from you. If your business is in anywhere in the world SEO Toronto will help you to grow in search engine rankings for building more traffic to your website. Without much ado, the keyword is a word or group of words that you think potential clients will use when they want to perform online searches for businesses related to yours.

Otherwise, you can add rel=?nofollow? to individual links within a page. This is because crawlers may assume that you are trying to spam them and therefore delist you.
search engine optimization consultants

Source: http://cannabismrsacure.letstalkaboutpot.com/basic-elements-of-search-engine-optimization/

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Clinton lends star power to Democratic candidates

WASHINGTON (AP) ? Twelve years after leaving the White House, Bill Clinton is campaigning as if he's in the political race of his life.

In some ways, he is. Clinton is endorsing President Barack Obama and Democrats in tight races for the House and Senate. But he's also burnishing a legacy as the party's elder statesman, rock star, global humanitarian and husband of Hillary Rodham Clinton, a once-and-perhaps-future presidential candidate herself.

In Indianapolis on Friday to boost Senate Democratic hopeful Joe Donnelly, Clinton said he hadn't expected to be so involved in the 2012 campaign. But Hillary Clinton is busy as secretary of state, and daughter Chelsea works for a broadcast network, he noted.

"So you're stuck with me," Clinton told the crowd.

Obama and other Democrats ? maybe even Clinton himself ? wouldn't have it any other way.

The Obama campaign announced Saturday that rocker Bruce Springsteen will join Clinton at a rally next Thursday in the Parma, Ohio, area.

Bitter at the way Al Gore campaigned largely without him in 2000, Clinton has become Obama's surrogate in chief in a nationwide campaign tour, lending his oratorical skill and folksy style to increasingly personal contests in races that, four weeks out, show few signs of budging. Clinton is especially helpful in conservative states where Democratic candidates aren't eager to appear with the unpopular Obama. Clinton is a leading expert in the art of the political comeback ? a skill the struggling Obama could use now.

Also, there's this uncomfortable truth: Obama needs Clinton to generate support with white, working-class and independent voters who were drawn to Clinton and Republican presidential hopeful Mitt Romney ? but who haven't warmed to Obama.

"If there's one thing we've learned in this election season, by the way, it is that a few words from Bill Clinton can do a man a lot of good," Romney joked in his own speech at the Clinton Global Initiative last month, a nod to Clinton's convention speech.

Obama himself has cracked that he should appoint Clinton "secretary of explaining stuff."

The lighthearted tone and determined cooperation between Obama and Clinton is hard-won and may not end with the 2012 campaign.

The bruising 2008 Democratic primary between Obama and Hillary Clinton damaged relations between the families. Obama's appointment of Hillary Clinton to serve as his secretary of state ? and her successes in the job ? healed the relationship enough for Clinton to step in to help with Obama's re-election. And if Obama has Bill Clinton to thank for a second term, one way to pay back the debt could be Obama's support for a Hillary Clinton campaign of the future.

Among voters generally, Bill Clinton is more appealing than Obama. A CBS News/New York Times poll in September found 66 percent of registered voters with a favorable view of Clinton, compared with 45 percent for Obama.

"He's got a way of communicating complex ideas in plain ways that no one else has," said Greg Haas, who ran Clinton's 1992 campaign in Ohio and who is Democratic chairman in Franklin County, which includes Columbus. "No one in my lifetime. He's in a class by himself."

Clinton symbolizes good economic times for many voters, including a federal budget that was balanced under his leadership. His convention speech rebutted Romney's attacks on Obama and accused Romney of pushing an economic plan that is doomed to fail. Clinton lends Obama credibility on the issue that voters consistently name as their top concern: the economy.

Clinton rocketed out of the party's convention in Charlotte, N.C., last month energized by the massive crowd's roaring reaction to his partly ad-libbed call to arms. His star newly shined, Clinton plunged into a two-day swing in the key state of Florida and has since added stops for Obama in a string of political battlegrounds.

During one recent week, Clinton joined Obama at a meeting with about a dozen supporters at a private residence in Los Angeles; he hosted a fundraiser with about 160 people who bought tickets starting at $1,000; he spoke at a rally for four northern California Democrats in tight House races; he was in Nevada for a rally for Obama and Democratic Senate candidate Shelley Berkley; and he was at Arizona State University rally with Democratic Senate candidate Richard Carmona. Then came stops in Iowa and Indiana for more rallies with Senate and congressional candidates as well as fundraising events.

He's expected to keep up the pace until Election Day.

All told, Clinton has appeared at no fewer than 32 fundraisers and 15 rallies for Obama. One big-ticket reception at a private New York City residence with Clinton last June drew 47 people who paid $40,000 apiece. On Friday, he joined Sen. Debbie Stabenow, D-Mich., for a Detroit-area fundraiser that her campaign said brought in about $350,000 for Michigan Democrats.

During a recent Las Vegas rally for Obama and other Democratic candidates, Clinton showcased his ability to poke fun at foes without demonizing them. He mocked Romney's move to the political center in the opening presidential debate.

"I had a different reaction to that first debate than a lot of people did," Clinton told the crowd. "I thought, 'Wow, here's old moderate Mitt. Where ya been, boy?'"

Clinton is also building favor with local Democrats, many of whom are longtime allies.

"He generates a huge amount of media attention when he's visiting these states," said Fergus Cullen, a former New Hampshire GOP state party chairman.

Cullen said Clinton's visit earlier this year to New Hampshire to endorse Democratic gubernatorial hopeful Maggie Hassan, a Clinton ally in 2008, provided a stamp of party establishment approval that helped Hassan win her competitive primary.

Yet Clinton's prominent campaign role could pose some potential downsides for Democrats. Some Democrats fret Clinton could overshadow Obama. A Pew Research Center poll last month showed 29 percent of those surveyed said Clinton's convention speech was the highlight of the party gathering, while just 16 percent called Obama's speech the highlight.

But there's no hiding the Clinton magic during an election year.

In Indianapolis on Friday, the former president noted that he had stayed the night before in Washington with Hillary, celebrating their 37th wedding anniversary. He recalled that she told him she wished she could come with him to campaign this year.

One of the event organizers had apologized to the former president for the size of the crowd, saying "that's as good as we can do for a crowd here except for a basketball game."

Clinton, famously fond of a crowd of any size, grinned.

"I'll take that," he said.

Source: http://news.yahoo.com/clinton-lends-star-power-democratic-candidates-072053974--election.html

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Sunday, October 14, 2012

Mitt Romney's '$5 trillion tax cut': 5 things you should know

Romney has proposed about $5 trillion in specific, gross tax cuts over the next decade relative to current policy, most but not all of which would go to high-income taxpayers. He has also promised to offset a substantial portion of those cuts?presumably in the trillions of dollars?by reducing deductions and other tax breaks.

By Donald Marron,?Guest blogger / October 14, 2012

Republican presidential candidate, Mitt Romney waves to the crowd as he arrives for a rally in Richmond, Va., Friday, Oct. 12, 2012. There is speculation that Romney will propose nearly $5 trillion in tax cuts. Marron argues that without specifics, that figure is merely speculative.

Steve Helber/AP

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You?ve probably heard claims that Mitt Romney wants to cut taxes by $5 trillion. Here are five things you should know about that figure:

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The Tax Policy Center is a joint venture of the Urban Institute and Brookings Institution. The Center is made up of nationally recognized experts in tax, budget, and social policy who have served at the highest levels of government. TaxVox is the Tax Policy Center's tax and budget policy blog.

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1. $5 trillion is the gross amount of tax cuts he has proposed, not the net impact of all his intended tax reforms.

Governor Romney has been very specific about the taxes he would cut. Most notably, he would reduce today?s individual income tax rates by one-fifth (so the 10 percent bracket would fall to 8 percent, the 35 percent to 28 percent, etc.) and reduce the corporate income tax rate from 35 percent to 25 percent. In addition, he would eliminate the alternative minimum tax (AMT), the estate tax, the taxes created in 2010?s health reform act, and taxes on capital gains, dividends, and interest for incomes up to $200,000 ($100,000 for singles). The $5 trillion figure reflects the revenue impact of all those cuts.

But Romney has also said that he intends his reforms to be revenue-neutral, with the specified revenue losses being offset by a combination of economic growth and unspecified cuts in deductions and other tax preferences. The net impact of his reforms would undoubtedly be less than $5 trillion, perhaps much less if he?s aggressive in going after tax breaks or willing to compromise on some of his other tax reform goals (e.g., not raising taxes on investment income). Without any details about what he would do, however, we can?t measure the net revenue impact of his ideas.

2.?$5 trillion is a 10-year extrapolation from a TPC estimate for 2015.

TPC has?estimated?that the gross tax cuts proposed by Romney would amount to $456 billion in 2015. Budget debates in Washington often focus on ten-year periods, so commentators have coalesced around a natural, if imprecise, extrapolation: multiply by 10 and round up because of a growing economy. Result: $5 trillion over ten years.

3.?$5 trillion does not include the impact of permanently extending many expiring tax cuts, including those from 2001 and 2003.

In budget parlance, the $5 trillion is measured against a current policy baseline, not a current law one. TPC?s current policy baseline assumes that many expiring tax cuts, including the 2001 and 2003 cuts, the AMT patch, the current version of the estate tax, and the tax credits enacted or expanded in 2009 will all be extended permanently. Romney proposes to extend all of these except the 2009 credits. Because it is measured against current policy, the $5 trillion figure does not include the revenue impact of any of those extensions (but does include a small revenue increase from expiration of the credits).

The current law baseline assumes all tax cuts expire as scheduled yielding almost $5 trillion more revenue than does current policy. Relative to current law, Romney?s tax proposal would thus be roughly a $10 trillion gross tax cut. (The same issue arises with President Obama?s tax proposals, which?we estimate?amount to a $2.1 trillion net tax increase relative to current policy, but a $2.8 trillion net tax cut relative to current law.)

4.?$5 trillion includes more than $1 trillion in gross tax cuts for families earning $200,000 or less.

Governor Romney?s specified tax cuts would go primarily to high-income taxpayers for a simple reason: they pay a large share of taxes and thus get a large benefit from a proportional reduction in tax rates. But that doesn?t mean that all the tax cuts go to top earners. Middle- and upper-middle income taxpayers would also get a gross tax reduction because of the reduction in tax rates, the elimination of taxes on capital gains, dividends, and interest for low and middle incomes, and, for some, the elimination of the AMT. Those gross tax cuts amount to more than $1 trillion over ten years.

5.?$5 trillion includes around $1 trillion in gross tax cuts for corporations.

Cutting the corporate income tax rate from 35 percent to 25 percent would lower corporate tax revenues by roughly $1 trillion over the next decade. Little-discussed in the current debate is whether and how Governor Romney would offset this revenue loss.

As he has rightly noted,?corporate taxes are ultimately borne by people, including workers and shareholders. Most of the corporate rate reductions would ultimately benefit high-income taxpayers since they own more investment assets and earn higher labor income. But about two-fifths of the benefit would go to low-, middle-, and upper-middle income workers and investors.

Bottom line: Governor Romney has proposed about $5 trillion in specific, gross tax cuts over the next decade relative to current policy, most but not all of which would go to high-income taxpayers. He has also promised to offset a substantial portion of those cuts?presumably in the trillions of dollars?by reducing deductions and other tax breaks, primarily for high-income households. Lacking any specifics, however, we can?t know what net tax cut, if any, he proposes.

Source: http://rss.csmonitor.com/~r/feeds/csm/~3/dmW1rGEaCoE/Mitt-Romney-s-5-trillion-tax-cut-5-things-you-should-know

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5 Lies People Who Pay For Sex Tell Themselves | World of ...

This guest article from YourTango was written by Teresa Maples.

A recent study published by Christine Milrod and co-author Ronald Weitzer analyzes 2,442 postings written by people who pay for sex on an online discussion board that reviews sex providers and their services. Approximately one-third of the posts discussed emotional intimacy between?sex workers?and their clients.

Many of the people who paid for sex expressed a desire to grow their relationships beyond the sex act and develop feelings and mutual love with the person. So what kinds of things do people who pay for sex tell themselves?

5 Ways People Who Pay For Sex Lie To Themselves

1. ?I?m not doing anything wrong.??

The responders make excuses and do not obey the law. These comments were posted by people who are paying for sex. These people are a sub group of the population who are engaging in illegal activity. From a societal view, those who act outside the norms and rules of the society are not the norm for the culture.

Those who engage in paying for sex are breaking the law. Many of the people who engage in prostitution are also involved in a primary relationship like marriage or are living together. Usually, there is a social contract between the two people to be there for each other. In paying for sex, they are breaking this contract as well. In many ways, they are committing relational violence in their primary relationship. 22 Ways Couples Can Overcome Infidelity

2. ?This could turn into a real relationship.??

The responders think they are getting a real relationship,?but they are really seeking instant gratification. In one survey, 32% of customers arrested for soliciting a?prostitute?said they bought sex because they ?didn?t have time? for a conventional relationship. 28% did not want ?the responsibilities? of a relationship, and 18% said they would ?rather have sex with a prostitute than have a conventional relationship with a woman.?

In other words, 78% of the people paying for sex did not want to bother with a ?real? relationship and would rather pay for sex.? An unspoken message here is that the transaction between the sex worker and the client is about money and control. The client is paying to have sex acts done to him, which help feed his fantasies. He gets to call the shots. The sex worker is providing a service to get paid.

3. ?I just do it for the thrill.??

The responders say they are seeking the thrill, but they may be setting themselves up for a full blown sexual addiction. Biologically, people who seek intensity and thrill by engaging in a sex acts are programming their brains to seek greater and greater thrills to get the same effect. The engagement of risky behavior leads to more risky behavior. Many of the responders might experience anxiety and withdrawal symptoms if they chose to stop paying for sex. 7 Signs Your Partner Is A Sex Addict

4. ?I think I might love them.??

But really, the responders could be acting out their fantasies.?They could be?imagining they have a ?feelings of love? for the sex worker. Even in ?real? relationships there is an aspect of projecting what you want onto the other person. It makes sense that someone who pays a ?repeat? sex worker could imagine he has a ?real relationship? with her. I wonder what would happen if he stopped paying?

5. ?I derserve it.??

The responders have a sense of entitlement. In other words they are saying, ?I want sex a certain way and I deserve to get it.??While we are pre-programmed by design as humans to propagate the earth, similar to animals. We also have the ability to think and feel. Yes someone can pay for sex and feel momentarily satisfied; however, in my opinion they are depriving themselves the joy of true authentic?emotional connection?with a real person based on mutuality for the long term.

If you have paid sex workers and have tried to stop and keep going back to it, seek professional help. You can overcome this behavior. There is a way out. You can click on any of the links to contact?Sex Addicts Anonymous(SAA),?Sexaholics Anonymous(SA),?Sex & Love Addicts Anonymous(SLAA),?Prodigals, Inc.,?PureDesire,?SexHelp.com?or?myself?for help.

How do you get love and emotional intimacy?

It all begins with a commitment to being the healthiest you can be, from the inside out. Learn to love all the parts of yourself even the places that hurt or feel shameful. Healthy sexuality between two people, involves vulnerability and safety in the relationship. Both partners are attached to one another physically, emotionally, and spiritually.

This model of relationship mutually benefits each partner. It takes work and time to develop emotional intimacy, and it also requires delayed gratification. By learning how to be a safe person emotionally with a chosen safe person, you can develop a more complex positive response system that is stable and sustainable over time. Choose wisely. Why Do Married Men Pay For Sex?

Teresa Maples MS is a Licensed Mental Health Counselor?in Washington State. Connect with me for more information about healing from those things that get in the way of living life to its fullest. ?

?

More cheating advice from YourTango:

Contributed by YourTango.com, an online magazine dedicated to love, life and relationships. From dating to marriage, parenting to empty-nest, relationship challenges to relationship success, YourTango is at the center of the conversations that are closest to our over 3 million readers' hearts. With daily contributions from our Experts, we have a little something for everyone looking to create healthier lives. We're excited to offer our contributions to the PsychCentral community, and invite you to visit us on YourTango.com.

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????Published on PsychCentral.com. All rights reserved.

APA Reference
Experts, Y. (2012). 5 Lies People Who Pay For Sex Tell Themselves. Psych Central. Retrieved on October 14, 2012, from http://psychcentral.com/blog/archives/2012/10/13/5-lies-people-who-pay-for-sex-tell-themselves/

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Source: http://psychcentral.com/blog/archives/2012/10/13/5-lies-people-who-pay-for-sex-tell-themselves/

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KIDS TURF: Guide to Floor Renovation


Do you need to replace? your outdated house flooring? Are you planning to renovate your house? and want to start by replacing your floor finish? Here are some? guide before choosing the perfect? floor finish :

If you wish for a low-medium improvement? go for? ceramic tiles. This is? a very common flooring home improvement, basically because of its general acceptance as the standard for kitchen and bathroom flooring renovations. Ceramics? are affordable and? come in a variety of designs? and sizes.

For great alternative? to hardwood is the laminated type. This is preferred most by commercial building owner? , a better upgrade to? vinyl or carpet. It is excellent for basement renovations due to its heat insulation.

Carpet is? the? very common home renovation request but is hard to maintain. It? can get dirty easily? and has a low life expectancy. It most cases carpets? will depreciate the value of your home.

Vinyl? is the? cheapest? alternative to all other methods of flooring. They are designed to make the "look and feel" of tiles. There are vinyl that are durable also which can last 4 to 5 time longer? than the usual type. I believed that vinyl would not be a good home improvement .. not unless that it?s not your own house and you are just renting .

For more information on floor finishes visit http://www.ungersfafloor.com.

Source: http://www.ourkidsturf.com/2012/10/guide-to-floor-renovation.html

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Rejected Papers Get More Citations When Eventually Published

This is one of those "I came on here to say this but you said it better" posts.

The only study they site about how much editing is done between submissions seems to indicate "not much at all".

Also, this could explain the prevalence of Nature and Science in the study. Risky papers may be rejected by the orthodoxy of more specialized journals. Nature and Science may avoid that kind of orthodoxy simply by having a broader array of reviewers than a more specialized journal might.

Pick a completely zany example in a field I know nothing about: You've done cutting edge work on the transport of lipids in palm fronds. There aren't that many people in the field, and most of them have been following a line of reasoning that lipids are transported by osmosis, as there has been some evidence of that. You have the hypothesis that lipids are transported by tiny aphids. You do some interesting lab work, that seems to support the hypothesis. The results are supportable, publishable, but not entirely definitive -- you know, statistically significant, but there's really a lot more work to be done before anyone can say you've really proven your hypothesis correct.

You submit your paper to a botany journal. They have it reviewed by a bunch of palm frond experts. All of them have studied palm fronds very closely. They mostly adhere to the unproven pet theory of osmosis. They do not consciously reject your paper because it contradicts their pet theory, but between the kinda shaky results, and their unconscious bias, it gets rejected.

Now you submit to Nature. They only have a couple palm frond experts in their stable, so they have a fern expert and a deciduous leaf expert review it. Neither the fern expert nor the deciduous expert have any unconscious bias. They think the whole thing seems pretty interesting, and worthy of broader discussion. So it gets approved. Now that the whole palm frond field has seen your work, a couple guys start trying to replicate your work, adding their own twists. They come up with supporting evidence and publish, with a reference to your work. A couple more guys come up with evidence that supports a different hypothesis. Even if you end up having been wrong at this point, your work gets referenced because it is what stimulated them to do their work. Let's say they discovered a third mechanism, that seems to explain transport even better. This third mechanism is unrelated to osmosis, so few of the osmosis studies are being referenced. But because your work stimulated the whole line of inquiry, your wrong study still gets lots of references.

(I added the part at the end about the work ending up being wrong just to illustrate that risky scientific invetigation doesn't have to end up being right in order to get referenced a lot. It just has to stimulate inquiry in a different direction such that people keep referencing the original study. A paper that just advances the field in an orthodox direction may still be great science, but may get lost in a sheaf of other similar studies advancing the field in that similar direction.)

Source: http://rss.slashdot.org/~r/Slashdot/slashdotScience/~3/v0DxZI7NDxQ/rejected-papers-get-more-citations-when-eventually-published

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Waterford Graded district budget nears completion

By Dave Fidlin

Correspondent

As a prelude to the district?s upcoming annual meeting, members of the Waterford Graded School Board?s Personnel, Finance and Negotiations Committee this week discussed the proposed 2012-13 budget and property tax levy.

Superintendent Chris Joch presented the committee with the most up-to-date details of the $17.5 million budget, which could still be refined in the next week.

Plans call for increasing the property tax levy ? one of the district?s largest sources of income ? by 2 percent. In the past three years, the district has maintained a status-quo approach by not raising the levy.

Overall, Joch said he anticipates a 2.6 percent increase in revenue in Fund 10 ? the district?s general operating budget that funds most of the daily costs that keep all four schools functioning throughout the year.

During this year?s budget-building process, Joch and other district administrators have anticipated a rise in expenses by an estimated 4.1 percent.

?The increase ? is due to special education programming costs, health reimbursement start-up costs, debt service obligations and unemployment insurance costs,? Joch said.

Like all districts across the state, Waterford Graded is awaiting word on the specific amount of state aid, which is another significant source of income for the district.

The Wisconsin Department of Public Instruction plans to notify districts of the specific award amount by next Monday, Oct. 15.

Depending upon the amount, Waterford Graded officials could make slight modifications to the budget.

Officials do anticipate a drop in state aid because of the declining enrollment trends in recent years. But Joch pointed to a number of cost-cutting measures that have helped shore up some of the losses, including staff reductions and reviewing a number of contracts, including one for busing.

Moving forward, Joch said strides will have to be taken to find ways of generating income beyond the levy and state assistance.

The issue is to be discussed at the annual meeting scheduled at 7 p.m. on Monday, Oct. 22, in the Evergreen Elementary School cafeteria, 817 W. Main St.

?We have to find other alternate sources of revenue, other than property taxes and state aid,? he said.

There have been changes to the district?s lunch program, for instance, to ensure it is at a break-even point. Revenue from lunches cannot fund other district programs, but dollars elsewhere in the overall budget are needed if the program is not self-sufficient.

The district?s presentation at the upcoming annual meeting will delve into a number of topics, including an analysis of what the mill rate and cost per pupil is in Waterford Graded, compared to other districts.

Source: http://lab.southernlakesnewspapers.com/?p=5978&utm_source=rss&utm_medium=rss&utm_campaign=waterford-graded-district-budget-nears-completion

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SAfrica: Deal close for striking truckers

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Saturday, October 13, 2012

eGaming Review Operator Awards: the 'e' - Online Gambling News

Peter Amsel
October 13, 2012
No Comments

egr-awards-asiaProminent online gambling media outlet eGaming Review has revealed the shortlist of nominees for its 8th annual eGR Operator Awards, due to be handed out Nov. 26 at the Roundhouse in Camden, London. eGR is without question a highly regarded industry news source, but if you?ll forgive us for saying it (again), their worldview is somewhat narrow. Don?t get us wrong ? it?s nice to see a few private outfits like Bet365 and Betfred among all the public companies ? but the glaring absence of major Asian operators lays bare eGR?s Euro-centric bias.

eGR would likely defend their selections due to the comparative lack of publicly available financial data that would confirm just how massive Asia?s major online companies are becoming, but even eGR can read the logos on Premier League jerseys. Most Asian countries won?t accept online gambling ads but Premier League broadcasts are seen by hundreds of millions of Asian footie fans. (Does anyone sincerely believe Cardiff City?s new red kit with the dragon patch is intended to appeal to the Welsh market?)

PriceWaterhouseCoopers (PWC) stats show Asia eclipsed the EMEA (Europe, Middle East, Africa) market as early as 2008. Since then the two regions have headed in opposite directions, with Asia projected to account for 43.4% of the global gaming market by 2015 ? and PWC believes the real number is significantly higher ? while the EMEA?s share is expected to shrink to just 10% over the same period. Asia is where all the growth is; an entire continent of underdeveloped markets and burgeoning middle classes. Like eGR, PWC lacks hard numbers on just how much money Asian online gaming generates, but PWC is convinced of one thing: ?There is a lot of it.? Manila is ground zero for the Asian-facing online gaming market and Calvin Ayre has likened the Asian market to the last great gold rush this industry will witness in our lifetimes. So where?s the Asian love, eGR?

Anyway, rant over, now back to pimping the event. eGR has spared no expense for its big do at the Roundhouse, promising a champagne reception, cocktail bar, poker & roulette tournaments and a live band. Even better, comedian Jimmy Carr has been convinced to host the awards ceremony. For those of you who can?t attend because they?re too busy making money somewhere ? Asia, for example ? fear not, because CalvinAyre.com managed to obtain part of an early draft of Jimmy?s opening monologue. Enjoy?

?So, how about a hand for our eGR hosts? Good guys, if a little Euro-centric. Backstage, I mentioned that I?d just returned from the Far East and they said ?So, how was Poland?? I said they should really check out Macau and they asked ?Why? Does it have two udders or something?? At first I thought they were having me on, until I saw their smartphones have this map feature that only lists north, south and west. Seriously, it?s as if they live in a world where Marco Polo left Constantinople in the year 1260, headed east and was never seen again. [USE IN CASE OF HECKLING.] I?m sorry, sir, but heckling privileges are reserved strictly for those whose stock closed out the day above 50% of its IPO price.? [OUTRO] ?Moving on, let?s start with the first award, eGR Advertiser of the Year. And the nominees are??

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Views and opinions expressed are those of the Author and do not necessarily reflect those of CalvinAyre.com

Source: http://calvinayre.com/2012/10/13/business/egr-operator-awards-total-lack-asian-operators/

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The Blog Center: Family ? Times Two, Part Three

part 3 of 3

Okay, perhaps you have guessed how the story ends. You are probably right but there are a few unknown twists and turns. The main point of this series: forging forever families, whether with birth or adoptive children and family members. That adoption is an amazing way to form one?s family. And that in the end, forgiveness and love are what matters.

This series has comedy and quirky moments, a theme song or two, many other family-oriented storylines and more and special moments that were undeniable life lessons. One of the translated titles is Unexpected You?quite descriptive of what happens in losing a child, finding a child, finding a child in an orphanage (or foster care!), and finding room for a child in one?s heart. Even finding the courage to decide to parent. Sometimes the prospect of loving beyond the borders of one?s life brings an ?unexpected you?. Unexpected love. Unexpected parent or child. Unexpected other family. Unexpected life.

Reflecting on how many ?unexpected you? youth wait in foster care?whether in group homes or foster homes, who dare to dream of a forever family, a forever home, I think the elements of this drama didn?t just make for good television (whatever the language), it makes for great perspective!

I agree--58 whole episodes with subtitles is a lot to tackle. It?s not Downton Abbey but it had special charm for me. Since adoption is a major topic in my life, I allowed myself the luxury of watching. I realize that all adopted children experience Family?Times Two, whether or not they ever meet or live with their birth family. I learned things about myself and my own angst. I know our daughter is in touch with her birth family. I know she had enjoyed coming to know them. I know she exhibits Nature a lot (although sometimes?rather unexpectedly?Nurture finds its way in, too). I applaud her because I also know that she works hard not to pit one of her families against the other. So I work hard not to feel intimidated that she has two families. This drama taught me to celebrate even the unexpected in adoption. To not be afraid to wear blue jeans, a plaid shirt and vest?to be comfortable, casual and so myself, no matter that she has family, times two?when we are together I let her know how happy I am to see and be with my daughter.

Source: http://nationaladoptioncenter.blogspot.com/2012/10/family-times-two-part-three.html

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Fla. man accused of returning used enemas

JACKSONVILLE, Fla. (AP) ? Prosecutors say a Florida man resealed and returned used enemas to pharmacies who resold them to unsuspecting customers.

Thirty-four-year-old Ronald Eugene Robinson, of Jacksonville, faces federal charges of tampering with consumer products.

If convicted, Robinson faces a maximum penalty of 10 years in prison and a $250,000 fine.

Authorities say the customers who purchased the used enemas have been notified.

There were two phone listings for a Ronald E. Robinson in Jacksonville. The first was disconnected and no answered the second number.

Online prices list basic enemas as costs from about $3 to $10 each.

Source: http://news.yahoo.com/fla-man-accused-returning-used-enemas-203645310.html

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Ellie Goulding's 'Surreal' NYC Show Bonds Artist With Fans

U.K. singer's Halcyon may have just dropped Tuesday, but the fans at Thursday night's show knew every word.
By Emilee Lindner


Ellie Goulding
Photo: Getty Images

Source: http://www.mtv.com/news/articles/1695407/ellie-goulding-halcyon-album.jhtml

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The Baking Steel Product Review | The Kitchn

The Baking Steel, a terrific pizza accessory.

Item: The Baking Steel
Price: $72
Overall Impression: Fantastic and durable pizza accessory, one that will help your pizza cook much faster and give it a deliciously chewy, blistered crust.

Do you use a pizza stone? Putting a heavy stone in your oven helps stabilize its temperature, retain its heat, and transfer it more efficiently and directly to your pizza. I had a pizza stone a long time ago, but broke it rather promptly, and ever since then I've baked my pizzas directly on an oven rack. Well, that's all changed now, as I bought one huge hulking chunk of thermal mass, The Baking Steel, and it's making my pizzas that much better.

The Review

Characteristics and Specs: The Baking Steel is a 15-pound, 1/4-inch-thick piece of steel that goes into your oven when preheating it for pizza. The dimensions: 16 x 14 x .25 inches.

Favorite details: This is a beast ? one heavy piece of steel! Its thermal mass helps my oven maintain a more even temperature, and the crusts on my pizzas have been so much crisper and faster-cooking since I started using it.

Potential problems: It's heavy! It takes some concentration to pull it in and out of the oven, and forget about moving it if it's still hot. Also, this isn't exactly a problem, but it is worth noting that my crust bottoms cooked so fast that the tops didn't get as browned as I would prefer. So I found that this is best used on the very top rack of the oven.

Splurge-worthy? If you are really into pizza, this is a great splurge. It works so well, and it will optimize even a weak oven, turning it into a hotter, better vehicle for great pizza. I haven't tested it on breads yet, but I'm looking forward to baking rustic breads on it this fall. (Also, Kenji at Serious Eats points out that it also makes a great stovetop griddle, fitting easily across two burners.)

Good for small kitchens? This is more easily stored than a pizza stone, since it's very slim and can fit between cabinets or even under the couch! You also don't need to worry at all about breakage.

The Baking Steel was designed by Andris and Eric Lagsdin, two brothers and owners of a family steel manufacturing business. Inspired by Nathan Myhyrvold's Modernist Cuisine, they realized that their core product, steel, could make a far superior sort of baking stone. Not a baking stone, in fact, but a baking steel.

They designed a simple flat sheet of recycled steel, weighing 15 pounds and small enough to slip into almost any home oven. The result: Pizzas that cooking blazingly fast, almost like in a wood oven. Kenji at Serious Eats called it, "...the most impressive home pizza product I've ever tested." The Kickstarter campaign they started to help fund the startup product exceeded its goal tenfold.

I bought a Baking Steel during the Kickstarter campaign, eager to put it through its paces. And I was not disappointed. After heating up the oven with the Steel inside for over half an hour, I found that my pizzas cooked easily in under 5 minutes ? sometimes less. They also had much crisper crusts all the way through, not just on the edges.

This thing makes fabulous pizzas, and in its recycled plastic case, it fits just about anywhere in my kitchen. I keep it slid out of the way behind a cabinet right now; it takes up almost no space.

Have you tried one of these Baking Steels? What are your thoughts on it?

Read the reviews at Serious Eats
? Early Word On Baking Steel: It Works
? The Pizza Lab: The Baking Steel

Find It! The Baking Steel, $72 (without case) or $102 (with case) at Stoughton Steel

Related: How Do I Take Care Of My Pizza Stone?

Apartment Therapy Media makes every effort to test and review products fairly and transparently. The views expressed in this review are the personal views of the reviewer and this particular product review was not sponsored or paid for in any way by the manufacturer or an agent working on their behalf. This product was purchased by the author.

Source: http://www.thekitchn.com/the-pizza-steel-product-review-178599

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Friday, October 12, 2012

Eye Docs Must Do More to Spot Unsafe Older Drivers: Study - Aging ...

Basic InformationMore InformationLatest NewsDrugs to Prevent Alzheimer's to Be Tested in Large TrialMany Seniors Overpaying for Medicare Drug Plans: StudyEye Docs Must Do More to Spot Unsafe Older Drivers: StudyHealth Tip: Caring for an Older Person's TeethUse of Medicare Skilled Nursing Benefit Is High at End of Life: StudyResearchers Tackle Age-Related Decline in Immune ResponseBeing Deemed 'Unfit to Drive' Cuts Subsequent Road CrashesAging Population Poses Long-Term Challenges to U.S. EconomyConsiderable Out-of-Pocket Costs in Last Few Years of LifeObstructive Sleep Apnea Ups Cardio Risk in the ElderlyMedicare Gaps Leave Many With Big Bill at End of Life, Study FindsMany Heart Attacks May Go Unrecognized in SeniorsMarathons Safe for Aging Boomers, Study FindsKeeping Up a Healthy Lifestyle Pays Off in Added Years: StudyHigh Midlife Fitness Levels Linked to Healthier Old AgeMeditation May Help Fight Loneliness, Study SaysMore Friends, Greater Well-Being at Midlife?Mindfulness Stress Reduction Reduces Loneliness in Elderly2012 Indicators of Well-Being for Older Americans IssuedStudy Shows 'SuperAgers' Have Thicker Cortex, No AtrophyOlder Americans Living Longer, But Becoming More ObeseTest All Baby Boomers for Hepatitis C: CDCRegular Exercise in Middle Age Lowers Inflammatory MarkersNot Enough Data to Advise Routine Hearing Screens for Older People: ExpertsCould Chocolate's Antioxidants Boost Brain Function?Balance, Strength Training Reduce Falls for Elderly, Study FindsIncreasingly, More Education Linked to Longer Lifespan in U.S.Hormone May Boost Aging, Failing BrainsHealth Tip: Focus on Healthy AgingOngoing Musical Activity Preserves Cognitive FunctionMore Americans Have at Least 2 Chronic Health Issues: CDCCadmium Linked to Plaque Development in Older WomenHealth Tip: Help Prevent Malnutrition in SeniorsHealth Tip: Why Some Seniors Can't SleepOlder Americans See Better Today, Study FindsHome-Based Care Teams Offer Help for Those With DementiaAlcohol May Not Be Kind to the Aging BrainPreventive Measures Pay Off for Those at Risk of StrokeExercise Can Shield the Aging Brain, Studies ShowFaltering Steps May Indicate Oncoming DementiaPhobic Anxiety May Link to Premature AgingHome Elder Care: Buyer, BewareAging Boomers' Mental Health Woes Will Swamp Health System: ReportHigh-Dose Vitamin D 'Somewhat Favorable' in Fracture PreventionMore Genes Linked to Osteoarthritis IdentifiedMedicare Coverage Gap May Cause Seniors to Forgo AntidepressantsOlder Americans Report Fewer Vision ProblemsLow Vitamin D Levels Linked to Weight Gain in Older WomenOne-Fifth of Nursing Home Residents Fall in First MonthHigh Rates of Untreated Kidney Failure Seen in ElderlyQuestions and AnswersLinksBook Reviews
HealthDay News
by By Carina Storrs
HealthDay Reporter
Updated: Oct 11th 2012

new article illustration

THURSDAY, Oct. 11 (HealthDay News) -- Most eye doctors consider it their responsibility to ask older patients about driving problems, but this hit-or-miss approach may not be nearly enough to clear the roads of unsafe elderly drivers, new research suggests.

By 2020, as the U.S. population ages, the number of drivers over age 65 will reach 40 million, according to the study. Many will have failing vision, reduced mobility and perhaps cloudy thinking, thus posing a serious public health issue, the researchers said.

For two new studies, researchers surveyed more than 400 ophthalmologists and optometrists in Michigan with patients older than 65. The researchers asked the doctors for their views on whether to ask patients about driving, how to decide if a patient's vision is inadequate and whether they referred patients to primary care physicians.

"We were pleased to see a high response" of vision care providers who ask about driving, said David Musch, a professor of ophthalmology and visual sciences at the University of Michigan, and lead author and co-author of the studies.

The eye specialists, however, did not usually refer patients they were concerned about to primary care physicians, who are better equipped to assess thinking and physical ability and how they could affect safe driving, Musch said.

And providers rarely asked about common driving situations, such as making left turns, that might also reflect driving ability, the survey found.

Age-related changes in eyesight along with declines in mental and physical abilities can hamper driving ability. Some states, including Florida, Oregon and Virginia, require eye exams for older people who want to renew their driver's license. But they don't usually have criteria for other disabilities such as arthritis that could limit a driver's range of motion, for example.

Fifteen percent of all licensed U.S. drivers in 2007 were 65 and older, according to the National Highway Traffic Safety Administration. Automobile accidents are a leading cause of injury-related death in people aged 65 to 74.

The studies, published Oct. 8 in the journal Archives of Ophthalmology, found the following:

  • In 87 percent of cases, participants said they would always or often inquire about driving ability if a patient did poorly on an eye exam. Other common reasons were if a patient or family member asked about a driving problem.
  • Two thirds of survey respondents said they ask all older patients about driving ability.
  • Although most said they always or often asked about night driving, glare and reading signs -- common challenges for older drivers -- less than 10 percent also asked about making left turns, merging and backing up, which are potential downfalls for poor-sighted drivers.
  • Less than 30 percent of providers said they asked about driving after noticing a problem other than visual impairment.

More than half of the eye specialists said they were reluctant to report unsafe drivers to regulatory agencies, because this could undermine the doctor-patient relationship. Some also worried about liability issues.

The survey also revealed that only about 36 percent and 28 percent of vision care providers, respectively, referred their patients to primary care physicians or driving rehabilitation always, often or sometimes.

Communication between eye doctors and primary care doctors is essential in this process, Musch said.

In many cases, driving rehab can help older patients stay on the road longer, said Patrick Baker, a driver rehabilitation therapist at Cleveland Clinic. For example, driving specialists can add mirrors to the car of someone with limited neck rotation or talk with people with mild cognitive impairment and their caregivers about avoiding traffic and night driving .

Dr. Barbara Messinger-Rapport, director of the Center for Geriatric Medicine at Cleveland Clinic, believes eye care providers have a duty to put the brakes on drivers with visual impairment.

They "should ask each patient over the age of 75 if they're driving, and if their visual acuity and peripheral vision [the two legally required tests] are not within the licensing requirements for their state, they should inform the patient," she said.

How providers assess vision in the first place may also need improvement. Nearly all providers test visual acuity, in which patients read smaller and smaller letters, and peripheral vision, but there is not strong evidence for how these tests relate to safe driving, Musch said.

Tests like contrast sensitivity could improve the assessment of safe driving, some say. The contrast test is similar to the visual acuity test except patients have to read letters that are gray, instead of black, on a white background.

Baker said he wishes doctors would test contrast sensitivity more often.

"You don't need to be able to read the license plate in front of you, you need to be able to tell if it's a car in front of you or a shadow or some other object," he said.

More information

To learn more about driving safety, visit the U.S. National Highway Traffic Safety Administration.

Source: http://www.veridianbh.com/poc/view_doc.php?type=news&id=150059&cn=12

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Student survives 11-story fall from dorm room

By NBC News staff

A 22-year-old student fell 11 stories from a residence hall at Washington State University in Pullman and survived, according to a university spokesman.

The student fell from an 11th-story window of a room in Orton Hall about 10 p.m. Wednesday, the website of campus radio station KQQQ reported.

University spokesman Darin Watkins told the Spokane Spokesman-Review that the male junior was flown by helicopter to Sacred Heart Medical Center in Spokane.


?It?s almost miraculous he?s alive and we?re really hoping for the best,? Watkins told the newspaper.

The Spokesman-Review said that trees beside the building broke the student?s fall and that he landed in grass. The student was conscious when emergency crews got there, the report said.

Campus police said alcohol was not involved.

It was the fourth fall this semester involving students at WSU or the nearby University of Idaho, according to KQQQ and the Spokesman-Review.

WSU is a public university based in Pullman in eastern Washington about 75 miles south of Spokane near the Idaho state line. There are about 21,000 students on the Pullman campus.

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Source: http://usnews.nbcnews.com/_news/2012/10/11/14371113-student-survives-11-story-fall-from-dorm-room-at-washington-state-university?lite

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Twitter?s Lame Attitude To A Startupper?s Hijacked Account Could Be The Tip Of The Iceberg

before yung hackTwitter's CEO may well be a former comedian, but the many people who suffer the harsh experience of having their Twitter account hijacked surely think it no laughing matter. I've been following the case of Jenny Jung, a startup co-founder in Berlin who had her Twitter account hacked into and stolen six days ago. Jung is one of the key people putting together a massive new startup space in Berlin called Factory Berlin. Given Twitter's size - 140 million users - it's unlikely that her case is isolated. There are bound to be many others out there who have woken up to find, somehow, that their account has been hijacked. But Twitter's 'shrug shoulders' reaction to her plight has me worried.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/Sbi-D9jFXrI/

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Thursday, October 11, 2012

Video: The Email Heard 'Round the World

Sorry, Readability was unable to parse this page for content.

Source: http://video.msnbc.msn.com/cnbc/49366992/

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ELFA - INDUSTRY NEWS - Equipment Leasing & Finance Association

LeaseTeam and eOriginal Partner to Improve Contract Security and Reduce Processing Times

Posted 10/09/12

LeaseTeam, Inc., the premier solution provider in the equipment and finance marketplace and eOriginal Inc., a leader in electronic signatures, vaulted repository and electronic transaction management solutions are pleased to announce their new partnership. LeaseTeam will now provide electronic signature and transaction management capabilities within their ASPIRE solution.

?We are excited to add electronic signature capabilities to ASPIRE. We are continually looking for ways to help our customers become more competitive and efficient with their processes. Adding electronic signature capabilities to ASPIRE is just one more step in achieving that goal?, said Dan O?Malley VP of Software Development for LeaseTeam, Inc. ?eOriginal?s solutions have been seamlessly integrated with ASPIRE to greatly enhance the document work flow and improve contract compliance.?

?We?re thrilled to be working with an industry leader such as LeaseTeam and look forward to getting feedback from leasing companies who are beginning to use our newly integrated solution. We are confident that a fully electronic leasing transaction will simplify the origination process and help companies close business faster and more effectively. It?s always a pleasure to work with a partner dedicated to providing a combined solution that businesses can adopt quickly,? says Bryan Caporlette, CTO/COO at eOriginal.

Companies interested in taking advantage of this new joint offering, or looking to receive additional information about the LeaseTeam and eOriginal combined solution, should contact Bryan Hunt at (402) 493-3445.

About LeaseTeam LeaseTeam, Inc. has been providing quality software and business solutions to companies in the equipment finance and leasing industry for more than 20 years. LeaseTeam is an industry leader providing exceptional software, support, training and strategic consulting services to more than 250 financial organizations throughout North America. For more information, call (800) 531-5086 or visit www.leaseteam.com. About eOriginal eOriginal provides advanced electronic signature, vaulting and electronic transaction solutions which are tamper?sealed, auditable and legally enforceable. eOriginal SmartSign? enables compliance with the eSignature requirements of the ESIGN Act, UETA and the UCC. eOriginal has provided secure, verifiable execution, delivery and management of commercial loans, leases and other financial industry documentation for over a decade. To learn how eOriginal can streamline your business processes, visit www.eoriginal.com or call (410) 895-7699. Follow eOriginal on Twitter at twitter.com/eOriginal.

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Sites of Reference:
http://www.leaseteam.com
http://www.eorginal.com

Contact Name: Tessa Shaffer
Organization Name: LeaseTeam, Inc.
Phone Number: 402-493-3445
Fax Number: 402-493-3433
E-mail: tessa@leaseteam.com

Source: http://www.elfaonline.org/news/indnews/news_report.cfm?id=20634

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5 Reasons Not To File For Bankruptcy In Your 20s

As people reach their 20s, they find themselves in an interesting financial dilemma. They need to make purchases that require a larger salary than they are currently making. Unfortunately, they aren?t in a position to apply for those jobs that pay the larger salaries, so they develop large debts as they navigate through their financial responsibilities. On top of their monthly expenses, they may also have student loans they need to repay as they make car payments and pay their credit card bills. For a lot of people, calling a New Jersey bankruptcy attorney appears to be a highly attractive option, but there are at least five reasons why people in their 20s should not do this.

1. Bankruptcy Does Not Eliminate Student Debt

For those who have student loan debt, bankruptcy is not going to be a solution for them. They will not be able to discharge these debts, and even more difficulties await them in their retirement years if they default on these loans. In 2005, the government was granted the ability to garnish people?s Social Security payments by 15 percent, and no statute of limitations will apply.

2. Bankruptcy Does Not Help Consumers Address their Money Problems

During their 20s, people have a chance to learn how to pay their rent and buy their groceries while they also save as much money as they can. Those who manage to do this successfully find that they have the money required for a down payment on house and for other high-end purchases without needing to take out expensive loans.

For those who fail to follow the example described above, hiring a New Jersey bankruptcy attorney will not save them from financial difficulties. They will need to pay their debts by living within their means, and bankruptcy cannot help them learn how to do this.

3. Bankruptcy Lowers Job Prospects

Americans who are going to be working in a financial capacity of any kind may need to grant a prospective employer permission to do a credit check. A bankruptcy will affect consumers? job prospects because it will remain on their credit reports for at least seven years.

4. Bankruptcy Can Leave the Consumer Homeless

Bankruptcy can mean that you will have difficulties finding a place to live. If they want to rent, consumers will need to submit to a credit check. If there is a bankruptcy on their reports, the landlord may turn them down because they will see these applicants as a bad risk. Similarly, lenders may turn them down for a mortgage for their history of bankruptcy.

Bankruptcy

5. Credit Will Be Much More Expensive in the Future

After the bankruptcy has been removed from their credit reports, consumers need to work to increase their credit scores. This means they will need to apply for credit, but they will be charged the highest rates. Before people in their 20s decide that talking to a New Jersey bankruptcy attorney is the answer, they will need to decide if it is worth it.

Image Credit: B Rosen

Derek writes for multiple finance blogs. When he is not writing and researching, he enjoys teaching a night class about financial responsibility. The following article is for a new jersey bankruptcy attorney.

Source: http://gsmtweet.com/5-reasons-not-to-file-for-bankruptcy-in-your-20s/

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US officials say frantic search failed to find envoy in Benghazi

U.S. State Department officials on Tuesday offered their most detailed description yet of the dramatic events in Benghazi that led to the death of a U.S. ambassador, but they backed away from earlier assertions that the events were triggered by protests against an anti-Islam video.

The officials were briefing reporters on the eve of a congressional hearing into on the attack last month, which is expected to focus on security missteps by the department.

They described frantic and prolonged efforts to rescue Ambassador Christopher Stevens from a smoke-filled "safe haven" inside the U.S. diplomatic compound in Benghazi where he apparently died of asphyxiation.

Story: US may have put mistaken faith in Libya security
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Stevens' death and confusion over the attack has become the subject of fierce partisan debate in Washington in the final weeks before the U.S. presidential election on November 6.

The State Department officials said agents crawled on their hands and knees through thick diesel smoke to try to find the missing envoy, who somehow was transported out of the compound to a local hospital.

The U.S. government learned where he was after someone called numbers in his cell phone, the officials said.

"We do not know exactly how the ambassador got to the hospital. That is one of the issues that we hope to resolve in the ongoing reviews, and the information we are still seeking," one official said.

The officials also said there was "nothing unusual" around the Benghazi mission before the assault. Earlier accounts by White House and State Department officials, including U.S. Ambassador to the United Nations Susan Rice, suggested that the attacks were triggered by protests over an anti-Muslim video made in California that insulted the Prophet Mohammad.

Romney says he met SEAL who was killed in Libya attack

Focus on diplomatic security
Officials of the State Department's Bureau of Diplomatic Security will testify at a House of Representatives hearing on Wednesday and one key subject of the inquiry will be whether the State Department rejected requests from diplomats to increase security at the Libya mission after months of violent incidents.

One senior official described the Benghazi attack as unprecedented and said security measures were always being adjusted. "We attempt to mitigate our risks. We cannot eliminate them," the official said.

The officials described the rented villa in which Stevens was hiding as a large residence with numerous bedrooms. Half of one floor was a "safe haven" barricaded with a gate and locks.

Stevens, Sean Smith, an information management officer, and five armed American security agents were in the compound the night of attack on September 11. There were also four members of a Libyan militia, assigned as the local government's protection force.

Video: Benghazi attack likely pre-planned, officials say (on this page)

Stevens arrived in Benghazi on September 10 and the next day held a series of meetings at the compound. His last visitor was a Turkish diplomat, whom he escorted to the main gate at 8:30 p.m. local time, a State Department official said.

"There had been nothing unusual during the day at all outside," the official said.

The State Department officials downplayed earlier assertions that the anti-Muslim film was a trigger for the violence. "That is the question that you would have to ask others. That was not our conclusion, that's not saying we had a conclusion, but we outlined what happened," one official said.

Gunfire and explosion
At 9:40 p.m., security agents in Benghazi heard loud noises at the gate, gunfire and an explosion. A large number of armed men entered the compound.

One agent went to fetch the ambassador from his bedroom as well as Smith. The three entered the so-called safe haven, which had window grills and a central windowless closet area where people could take refuge.

The security agent was armed with a submachine gun and a sidearm. He radioed to other agents that he was with Stevens in the safe haven.

Other agents tried to enter the villa, but they encountered a large group of armed men and retreated to another building in the compound where they barricaded themselves in.

The attackers swarmed into the darkened villa and walked around in the living area. They looked through the grill into the safe area and tried to enter it but could not.

Video: Libyan president: ?No doubt? attack was terrorism (on this page)

The agent protecting Stevens watched their movements with a gun trained on them, ready to shoot.

The attackers carried cans of diesel fuel that they sprinkled on furniture and set on fire.

The building filled with smoke and fumes, and the air inside grew black. Stevens, Smith and the security agent moved to a bathroom in the safe area where they opened a window but still could not get enough air.

They decided to leave through an adjacent bedroom. Outside, there were shots, tracer bullets, smoke and explosions.

The officials said the security agent, whom they did not identify, was suffering "severely" from smoke inhalation and could barely breathe. He left the villa first, following protocol, but when he turned back he did not see the other two.

Overcome by smoke
He returned to try to rescue Stevens but he could not find him. He went in and out of the building several times before he was overcome by smoke.

The agent went up a ladder to the roof, collapsed and radioed other agents who arrived to continue the hunt for Stevens and Smith.

"They take turns going into the building on their hands and knees, feeling their way through the building to try to find their two colleagues. They find Sean. They pull him out of the building. He is deceased. They are unable to find the ambassador," one official said.

Six security personnel from a U.S. annex nearby arrived with members of the Libyan militia, known as the February 17 Brigade.

They took people from the compound and transported Smith's body to a secure annex, running into traffic, hand grenades, and two flat tires.

The annex came under fire, killing two security personnel and wounding another. They spent hours securing the annex, then evacuated everyone on two flights.

There were no classified materials that had to be secured at the mission site where Stevens had been, the official said.

Story: Deadly Libya attack a major blow to CIA efforts

Asked whether anyone had counseled Stevens against going to Benghazi on September 11 - the 11th anniversary of the 2001 attacks on the United States - the official said: "Ambassadors must travel, ambassadors must get out and meet with a variety of individuals especially in countries that have multiple centers of energy or power. This just must happen."

(Editing by Marilyn W. Thompson and Christopher Wilson)

(c) Copyright Thomson Reuters 2012. Check for restrictions at: http://about.reuters.com/fulllegal.asp

Source: http://www.msnbc.msn.com/id/49353027/ns/world_news-mideast_n_africa/

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