Friday, November 30, 2012

Japan unveils prototype of new maglev train, promises speeds of up to 311 mph

DNP Japan unveils prototype of its first maglev train, promises 311 mph speeds

More than a year after the Central Japan Railway Company (JR Tokai) received construction approval to get going on its maglev railways, it has finally unveiled a Series L0 prototype that would put its current bullet train system to shame. Designed to travel at 311 mph, a single one of these high-speed marvels is designed to carry about 16 carriages, which translates to about 1,000 commuters. While Japanese travelers already enjoy a speedy 90-minute trip from Tokyo to Nagoya, this new maglev system promises to cut that journey to just 40 minutes. Announced nearly five years ago, the project has since been extended to include an Osaka-Tokyo leg and will cost around nine trillion yen (approximately $112 billion) when all is said and done. Don't pack your bags just yet though; the maglev's Nagoya rail isn't scheduled to go live until 2027, and the boarding call for Osaka isn't until 2045. Of course, if you need to ride electromagnetic rails now, there's always China's Shanghai Transrapid, which has been ferrying passengers to and fro the Pudong airport since 2004 -- it once reached speeds of 501km/h (311mph). China's even planning a whopping 1,000 km/h vacuum-tube maglev train in just a year or so. Of course, those of us on the other end of the Pacific are still waiting for that long-delayed California-Nevada maglev project to work out. Sigh.

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Source: Phys.org


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Benefits for Nutrition Education Programs | Online Education Blog

Nutrition Education Programs Benefits for Nutrition Education ProgramsTo avail the actual benefits of an educational program you have to get yourself registered in an accredited school. Similarly, to be a nutritionist you must look for the authentic and popular educational programs that might benefit you in the long run. Compiling diet plans and preparing nutrition programs require efficiency and expertise which could be obtained through Nutrition Education programs. Benefits for nutrition education programs are defined in this article thoroughly.

Kentucky Nutrition Education Program

The Kentucky Nutrition Education Program is divided into two parts, The Expanded Food and Nutrition Program and the Supplemental Nutrition Assistance Program. These programs are managed by the University of Kentucky Cooperative Extension Service. The main purpose of these programs is to provide nutrition education to families and individuals having low income. It helps them to plan healthy or nutritious meals within their budget, and adopt healthy eating habits and prepare food programs to promote healthy lifestyle among people.

Family Nutrition Programs

In order to gain nutrition education you have to get associated with the community agencies of the state in which you live. These efforts could be executed on individual and community basis to assist people with health issues. You could play your part in developing a lot of annual projects to meet the needs of targeted audiences. You must prepare yourself for the workshops, health session programs, and promotion of healthy habits through print materials, for instance, magazines and calendars.

Expanded Food and Nutrition Education Program

It is known as a Cooperative Extension System which is actively working in all the 50 states of the United States. You could serve a large number of people including individuals, families, communities and specifically children who wish to follow a well planned diet by incorporating nutritious food in everyday life. If you want to go for an Adult EFNP program you have to take 10 to 12 lessons within few months by professionals of the field.? You might be learning the experimental approach to come up with good food choices which could be quite helpful for your families as they might get the chance to eat nutritious food. On the other hand, if you are a student then you must know that nutrition education is directed towards school students. At school you could learn a lot about nutrition by studying comprehensive curriculum, through school care programs, community and residential centres and health related workshops. The major topics covered through different programs are food safety and physical and mental fitness.

?

Author Bio

This guest post was provided by Jim K. from HealthSchoolGuide.net. If you are interested in nutrition or dietician career, you can visit his website to find best degree programs from accredited schools in your area.

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Source: http://www.snuglies.com/2012/11/benefits-for-nutrition-education-programs/?utm_source=rss&utm_medium=rss&utm_campaign=benefits-for-nutrition-education-programs

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Abbas: UN vote last chance on two-state solution

UNITED NATIONS (AP) ? Palestinian President Mahmoud Abbas told the U.N. General Assembly before a historic vote on Thursday that it "is being asked today to issue the birth certificate of Palestine."

The Palestinians were certain to win U.N. recognition as a state, but Israel and the United States warned it could delay hopes of achieving an independent Palestinian state through peace talks with Israel.

Abbas said the vote is the last chance to save the two-state solution.

Israel's U.N. ambassador, Ron Prosor, warned the General Assembly that "the Palestinians are turning their backs on peace" and that the U.N. can't break the 4,000-year-old bond between the people of Israel and the land of Israel.

The General Assembly vote was certain to succeed, with most of the 193 member states sympathetic to the Palestinians. Several key countries, including France, recently announced they would support the move to elevate the Palestinians from the status of U.N. observer to nonmember observer state.

Jubilant Palestinians crowded around outdoor screens and television sets at home Thursday to watch the United Nations vote.

Palestinians say a successful vote will strengthen their hand in future talks with Israel, which has lambasted the recognition bid as an attempt to bypass such negotiations.

The vote would grant Abbas an overwhelming international endorsement for his key position: establishment of a Palestinian state in the West Bank, Gaza Strip and east Jerusalem, the territories captured by Israel in the 1967 Mideast war. With Israeli leader Benjamin Netanyahu opposed to a pullback to the 1967 lines, this should strengthen Abbas' hand if peace talks resume.

The U.N. bid also could help Abbas restore some of his standing, which has been eroded by years of standstill in peace efforts. His rival, Hamas, deeply entrenched in Gaza, has seen its popularity rise after an Israeli offensive on targets linked to the Islamic militant group there earlier this month.

Source: http://news.yahoo.com/abbas-un-vote-last-chance-2-state-solution-210740078.html

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Ripley Memorial Foundation Awards $62,000 in grants to programs ...

The Ripley Memorial Foundation, a donor advised fund of the Women's Foundation of Minnesota, recently awarded $62,000 in grants to 12 organizations whose programs focus on teen pregnancy prevention. The grant period is January 1, 2013 to December 31, 2013.

Grantees:

Annex Teen Clinic ? $6,000 ? To support health education programs to prevent unintended teen pregnancy in north Minneapolis and northwest Hennepin County.

Centro ? $6,000 ? To support the Raices Youth Development Program, an evidence-based multi-component youth development program that reduces the likelihood of pregnancy among lowincome Latino teens in Minneapolis.

Division of Indian Work ? $4,000 ? To support Live It!, which provides facilitator trainings to the staff of reservation and urban youth serving programs with holistic Indigenous specific curriculum developed and designed by the Division of Indian Work.

Employment Action Center ? $6,000 ? To support Bright Futures, a program to decrease the repeat pregnancy rate and increase the educational attainment of low-income teen mothers.

Family Tree Clinic ? $7,000 ? To support a comprehensive, science-based sex education program delivered in Twin Cities Metro schools, prioritizing schools with high percentages of lowincome students and students of color.

Hmong American Partnership ? $3,000 ? To support our Girls Runaway Intervention and Prevention Program (GRIPP), which provides education, support, and resources to Hmong teen girls who have run away from home or are at risk of running away.

Lao Family Community of Minnesota ? $3,000 ? To support Lao Family's teen pregnancy prevention program for Hmong youth and Hmong teen mothers.

Planned Parenthood ? $7,000 ? To prevent unintended pregnancies, nurture health youth development, and provide information and education about sexual and reproductive health.

Plymouth Christian Youth Center ? $7,000 ? To support First Things First, a comprehensive approach to teen pregnancy prevention, including daily sex education curriculum and classes, weekly small group discussions, individual health assessments, one-to-one counseling, and comprehensive clinical care.

Way to Grow ? $3,000 ? To support Dream Tracks, a competency-based program for teen parents, their children and extended families. Programming includes home visits, group sessions, career and volunteer opportunities.

West Suburban Teen Clinic ? $4,000 ? To support and empower young people to develop greater self-sufficiency that leads to healthier decisionmaking, improved communication skills, and deeper connections with others.

YWCA of Minneapolis ? $6,000 ? To provide high-quality, comprehensive sexual health education and school connectedness support to the specific needs of youth of color and youth from resource-poor communities, grades 6-12, in Minneapolis Public Schools.

Source: http://www.insightnews.com/community/9870-ripley-memorial-foundation-awards-62000-in-grants-to-programs-focused-on-teen-pregnancy-prevention

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Thursday, November 29, 2012

Oops! Facebook admits to adding users to groups they left

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Celebrity gossip site TMZ found itself on the other side of the rumor mill Tuesday morning, after a story claimed it?applied for a surveill... Read more

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A software glitch caused many Facebook users to find themselves members of old groups, ones they may have left a long time ago. More uncomfortably, some people were suddenly members of groups they'd even?been kicked out of. Facebook issued a statement confirming the details.

"A bug surfaced last night that caused some users to be re-added to groups that they previously belonged to," a Facebook spokesperson told NBC News. "We are working to resolve the issue now. In the meantime, we are rolling out a short-term fix for all closed groups that will make the content of those groups inaccessible to the re-added members."

At first, this bug may seem like an annoyance, leading to little more than?a pile of unwanted?notifications?? that's what we saw firsthand. However,?there could be some pretty nasty side-effects. Before Facebook issued that short-term fix, individuals who were added to closed (or "secret") groups were able to view all the non-public content in those groups as well as the current membership rosters. This could leave some sensitive posts vulnerable (though you really shouldn't be posting anything of that nature on Facebook in the first place, whether publicly or privately).

Even public groups (or closed groups which have been turned public since a user left them) can cause issues, as their membership rosters are now visible to everyone.

"I guess you now know that I belonged to a 'Flava of Love' group," Alberto Lima, a blogger for Noisecast,?wrote in a Facebook message alerting me of the glitch. "I swear I never watched the show!" Sure, Alberto. Sure.

Want more tech news?or interesting?links? You'll get plenty of both if you keep up with Rosa Golijan, the writer of this post, by following her on?Twitter, subscribing to her?Facebook?posts,?or circling her?on?Google+.

Source: http://www.nbcnews.com/technology/technolog/oops-facebook-admits-adding-users-groups-they-left-or-were-1C7312098

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Virginia Business - News: 2012 Legal Elite: REAL ESTATE/LAND USE

November 29, 2012 6:00 AM

Steven R. Adcox
Ferguson Enterprises Inc.
Newport News

Michael A. Banzhaf
Reed Smith
Leesburg

Richard K.A. Becker
Hogan Lovells US LLP
McLean

R. Edward Bourdon Jr.
Sykes, Bourdon, Ahern & Levy PC
Virginia Beach

James C. Brennan
Reed Smith
Falls Church

Antonio J. Calabrese
Cooley LLP
Reston

John V. Cogbill III
McGuireWoods LLP
Richmond

Thomas J. Colucci
Walsh Colucci Lubeley Emrich & Walsh PC
Arlington

Andrew M. Condlin
Williams Mullen
Richmond

James E. Cornwell Jr.
Sands Anderson PC
Christiansburg

Ann K. Crenshaw
Kaufman & Canoles
Norfolk

Richard J. Crouch
Vandeventer Black LLP
Norfolk

Chris Crowe
Lumber Liquidators
Toano

David C. Culbert
David C. Culbert PLC
Leesburg

Paul H. Davenport
Hirschler Fleischer
Richmond

Stephen R. Davis
Willcox Savage
Virginia Beach

Robert L. Dewey
Willcox Savage
Norfolk

Robert M. Diamond
Reed Smith LLP
Falls Church

Dorothea W. Dickerman
McGuireWoods LLP
Tysons Corner

Benjamin W. Emerson
Sands Anderson PC
Richmond

Karen C. Fagelson
Reed Smith
Falls Church

David Y. Faggert
Faggert & Frieden PC
Virginia Beach

John W. Farrell
McCandlish & Lillard
Fairfax

William A. Fogarty
Walsh Colucci Lubeley
Emrich & Walsh PC
Arlington

Jonathan A. Frank
Williams Mullen
Richmond

Laura Lee Garrett
Hirschler Fleischer
Richmond

Vernon M. Geddy III
Geddy, Harris, Franck, Hickman LLP
Williamsburg

Paul W. Gerhardt
Kaufman & Canoles
Williamsburg

Maryellen F. Goodlatte
Glenn Feldmann Darby & Goodlatte
Roanoke

Howard E. Gordon
Williams Mullen
Norfolk

Sarah E. Hall
Blankingship & Keith PC
Fairfax

Lisa A. Hawkins
Lenhart Obenshain PC
Harrisonburg

Katja H. Hill
LeClairRyan
Richmond

A. Brooks Hock
Williams Mullen
Richmond

Edward F. Hodges Jr.
Clement & Wheatley
Danville

Carol Crossman Honigberg
Reed Smith
Falls Church

Robert W. Hughes
FloranceGordonBrown PC
Richmond

Barry W. Hunter
Kaufman & Canoles
Norfolk

James L. Johnson
Wharton Aldhizer & Weaver PLC
Harrisonburg

James Webb Jones
Poole Mahoney PC
Chesapeake

D. Brennen Keene
McGuireWoods LLP
Richmond

Neil S. Kessler
Troutman Sanders LLP
Richmond

Thomas C. Kleine
Troutman Sanders LLP
Virginia Beach

Charles E. Land
Kaufman & Canoles
Norfolk

Daniel F. Layman Jr.
Daniel F. Layman Jr., Attorney at Law
Roanoke

Benjamin D. Leigh
Atwill, Troxell & Leigh PC
Leesburg

Valerie W. Long
Williams Mullen
Charlottesville

Joseph F. Mauk
Litten & Sipe
Harrisonburg

John L. McBride
Odin, Feldman & Pittleman PC
Reston

John F. McManus
Hirschler Fleischer
Fredericksburg

C. Grice McMullan Jr.
ThompsonMcMullan PC
Richmond

John M. Mercer
Williams Mullen
Richmond

Jennifer Davis Mullen
Williams Mullen
Richmond

Adam R. Nelson
ThompsonMcMullan PC
Richmond

Michael R. Newby
Hancock Daniel Johnson & Nagle PC
Richmond

V. Rick Nishanian
Vanderpool, Frostick & Nishanian PC
Manassas

RJ Nutter
Troutman Sanders LLP
Virginia Beach
G. Michael Pace Jr.
Gentry Locke Rakes & Moore LLP
Roanoke

Thomas T. Palmer
Woods Rogers PLC
Roanoke

Susan M. Pesner
Pesner Kawamoto PLC
McLean

Faisal S. Qureshi
Chaplin & Qureshi PLC
Richmond

Charles H. Rothenberg
Hirschler Fleischer
Richmond

Robert E. Ruloff
Shuttleworth, Ruloff, Swain, Haddad & Morecock PC
Virginia Beach

Lawrence M. Schonberger
Sevila, Saunders, Huddleston &
White PC
Leesburg

Conway H. Sheild III
Jones, Blechman, Woltz & Kelly
Newport News

J. Rawleigh Simmons
Dunton Simmons & Dunton LLP
White Stone

Kedron Adele Springer
Kedron A. Springer PC
Chesapeake

Jeffrey M. Stedfast
Kaufman & Canoles
Norfolk

Robert R. Sullivan
Title One Settlement Group LLC
Vienna

Howard R. Sykes Jr.
Sykes, Bourdon, Ahern & Levy PC
Virginia Beach

Michael H. Terry
Hirschler Fleischer
Richmond

James W. Theobald
Hirschler Fleischer
Richmond

James D. Thornton
Thornton & Associates PLC
Glen Allen

Timothy O. Trant II
Kaufman & Canoles
Williamsburg

Lucia Anna (Pia) Trigiani
MercerTrigiani
Alexandria

Nathaniel P. Tyler
Willcox Savage
Norfolk

William A. Walsh Jr.
Hunton & Williams LLP
Richmond

Elizabeth L. White
LeClairRyan
Williamsburg

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Source: http://www.virginiabusiness.com/index.php/news/article/2012-legal-elite-real-estate-land-use/321916/

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Leading House GOP figure's compromise plan gets shot down (CNN)

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Wednesday, November 28, 2012

Britney Spears Shows Off Smallest, Cutest Fan: Hannah the Dog!

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Hall Of Fame Class Of 2013: Barry Bonds, Roger Clemens, Sammy Sosa Bring Steroid Stigma To Ballot

NEW YORK ? Barry Bonds, Roger Clemens and Sammy Sosa are set to show up on the Hall of Fame ballot for the first time, and fans will soon find out whether drug allegations block the former stars from reaching baseball's shrine.

The 2013 ballot will be announced Wednesday.

Craig Biggio, Mike Piazza and Curt Schilling are certain to be among the other first-time eligibles. Jack Morris, Jeff Bagwell and Tim Raines are the top holdover candidates.

Longtime members of the Baseball Writers' Association of America will vote through next month. The much-awaited results will be announced Jan. 9, with players needing to be listed on 75 percent of the ballots to gain induction.

The upcoming election is certain to fuel the most polarizing Hall debate since career hits leader Pete Rose's betting problems put him on baseball's permanently ineligible list, barring him from the BBWAA ballot.

Bonds, Clemens and Sosa each posted some of the biggest numbers in the game's history, but all were tainted by accusations that they used performance-enhancing drugs.

Bonds is baseball's all-time home runs leader with 762 and won a record seven MVP awards. Clemens ranks ninth in career wins with 354 and took home a record seven Cy Young Awards. Sosa is eighth on the home run chart with 609.

Fans, players and Hall of Fame members have all chimed in about whether stars who supposedly juiced up during the Steroids Era should make it to Cooperstown.

Many of those opposed say drug cheats should never be afforded baseball's highest individual honors. Others on the opposite side claim the use of performance-enhancing drugs was pervasive in the 1980s and 1990s, and shouldn't disqualify candidates.

If recent voting for the Hall is any indication, the odds are solidly stacked against Bonds, Clemens and Sosa.

Mark McGwire is 10th on the career home run list with 583, but has never received even 24 percent in his six tries. Big Mac has admitted using steroids and human growth hormone.

Rafael Palmeiro is among only four players with 500 homers and 3,000 hits, yet has gotten a high of 12.6 percent in his two years on the ballot. Palmeiro drew a 10-day suspension in 2005 after a positive test for performance-enhancing drugs, and said the result was due to a vitamin vial given to him by teammate Miguel Tejada.

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Source: http://www.huffingtonpost.com/2012/11/28/hall-of-fame-ballot-2013-steroids-bonds-sosa_n_2201964.html

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Canada housing market moving in right direction: BoC's Murray

With 47 percent of the popular vote, Mitt Romney may become the president of nothing more than Ironystan. Yes, the final general-election tally is trickling in and, as fate would have it, Romney's total might look more like that mythical number after all. Well, according to David Wasserman of the Cook Political report, it's more like 47.49 and dropping, which, of course rounds down to 47 ? the same percentage of Americans?he said were moochers and takers in a video?that was one of the nails in the coffin of his presidential campaign.

Source: http://news.yahoo.com/canada-housing-market-moving-direction-bocs-murray-191649256--business.html

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News Summary: Home prices rise in most US cities

With 47 percent of the popular vote, Mitt Romney may become the president of nothing more than Ironystan. Yes, the final general-election tally is trickling in and, as fate would have it, Romney's total might look more like that mythical number after all. Well, according to David Wasserman of the Cook Political report, it's more like 47.49 and dropping, which, of course rounds down to 47 ? the same percentage of Americans?he said were moochers and takers in a video?that was one of the nails in the coffin of his presidential campaign.

Source: http://news.yahoo.com/news-summary-home-prices-rise-most-us-cities-205657363--finance.html

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Tuesday, November 27, 2012

Video: Corker: How to Avoid the Fiscal Cliff

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Video: Bullish Call Boosts RIM Shares

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Creativity and Affect | Self Improvement & Personal Growth ... - King ...

Creativity and Affect


The authors of this volume attempt to cohere the field of creativity and affect in a scholarly fashion by categorizing and characterizing some of its major features, including environmental influences; underlying processes; specific affective states; the role of atypical or pathological personalities; unconscious processes; physiological components; proactive and reactive stimuli; intrinsic motivation; eminence versus everyday creativity; and testing of assessing the affective component of creativity. The authors also examine and discuss the role that emotions, feelings and moods play in the creative process. This volume also provides a vehicle for students and psychotherapists, with which they can fully appreciate the feelings generated by the creative process and the various stages of it. How does a creator feel during its more mundane phases? Can he or she tolerate the frustration of failing and being unsuccessful most of the time? What is the real joy of achievement, success, and ultimate acceptance by ones peers in a given field? Do we have to exhibit major psychopathological features in order to achieve eminence in specific fields? What is the role of mind altering substances, mood disorders, and the like? This volume answers these questions and more. Author: Shaw, Melvin P./ Runco, Mark A./ Shaw, Melvin P. Series Title: Creativity Research Binding Type: Hardcover Number of Pages: 296 Publication Date: 1994/01/01 Language: English Dimensions: 9.21 x 6.14 x 0.69 inches
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Monday, November 26, 2012

Investvine ? Building a strong brand in Islamic finance

Barwa Bank CEO Steve Troop

Barwa Bank, a fast growing young financial institution in Qatar, is taking the sector by storm. After having managed a lot of funding deals recently, the bank is in full swing to become a major player, Inside Investor was told by Barwa?s CEO Steve Troop.

Q: Barwa Bank has lately been involved in GCC funding for a Turkish oil company (T?pra?), one example for your increasing international activities. What have been the major cross-border deals so far?

A: Yes, we are building our profile in the Islamic capital markets. In the last six months, we were joint lead managers for Islamic Development Bank?s sukuk, joint lead managers for Emaar, co-manager of the Government of Dubai?s recent $1.25 billion sukuk, joint lead manager for the State of Qatar sukuk ? which was spectacularly successful ? and most recently we were co-manager of the Republic of Turkey?s debut sukuk, a very important transaction for the Islamic finance sector worldwide. As you see, we are looking to build our sukuk business and, indeed, to participate in opportunities outside Qatar, mainly in MENA. Ultimately, we go where the appetite for Islamic financing occurs.

Q: With the forthcoming big projects in Qatar, in infrastructure and for the FIFA World Cup 2022, where can Barwa Bank participate in project financing?

A: We aim to be very active participants in the infrastructural projects that form a core component of the National Vision 2030, given added impetus through the award of the FIFA World Cup 2022. ?This involves partnering with some of the world?s largest civil engineering and contracting firms, some very large Qatari enterprises as well as medium sized local corporates and SME companies who are involved at sub-contractor level. The project cycle starts with support through tender bonds: where a tender is successful that leads on to additional bonding requirements around performance and advance payment guarantees. As projects progress, working capital and import finance requirements (for raw materials and equipment) become important. We are already financiers to some very substantial projects and are confident that we will add to our portfolio as the infrastructural development momentum builds.

Q: In which projects is Barwa Bank involved?

A: We are currently very busy with some of the Qatar Rail projects, which are very sizeable undertakings. Consortiums of major international contracting enterprises are partnering with local contractors and tendering for projects. Tenders are currently being submitted and we anticipate the award-of-contracts at some point in early 2013. We are also involved in a number of major road-building contracts and, at different levels, in some of the other flagship developments, including, for example, the new airport.

Q: As you said, Barwa Bank is still very young on the market. What are your mid-term plans for the bank?

A: We remain very young and continue to build both our business and our brand. Our strategy is to be selective and add value where we can and in markets that are under-developed or where we feel a differentiated approach can deliver a superior customer experience: key areas of focus include corporate banking and Islamic capital markets, upscale retail and private banking, investment banking and Islamic wealth management. At some point in the medium-term, we will expand overseas through our domestic franchise which is our current priority.

Q: In your last interview published in Inside Qatar 2012, you stated that you would like to see Barwa Bank be ?seen as a contender to conventional banking in many parts of the world?. Which parts of the world are of most interest to Barwa Bank and why?

A: We are a provider of Shariah-complaint financial solutions, so, almost by definition, we are most interested in Muslim communities and Islamic societies that demonstrate the most appetite for the kind of banking that we offer. ?We are a Qatari bank and, understandably, feel that we have greater insight of, and affinity with, the Arabic-speaking world. That tends to point ambition towards MENA and the Levant. That said, we do follow ? or facilitate ? our customers? entry into markets traditionally dominated by conventional finance. Our North American and Brazilian Real Estate Funds are good examples for this.

Q: Barwa Bank has been involved in a major US property project deal lately. How is your US business developing?

A: The Washington DC project is progressing very positively indeed. It is on schedule with recent important milestones being a commitment from an anchor tenant ? Covington & Burling, the global law firm ? for 80 per cent of commercial office space and considerable interest shown in residential unit pre-completion marketing.

Q: Are there any notable new projects by Barwa Bank in Asia or Southeast Asia?

A. We are yet to initiate either a presence or a major investment in South East Asia. However, we do have active dialogue with institutions in that part of the world on opportunities of mutual interest. These cover sukuk placements and investment funds.

Q: You recently said that Barwa Bank is supporting the empowerment of women in business in Qatar. How does this reflect in Barwa Bank?s human resources strategy?

A: We are ?gender-indifferent? when it comes to our human resources strategy: talent, drive, application, focus and identification with the values and aspirations of the bank are what matters in terms of both external hiring and internal promotion. I am pleased that two of our more high-profile senior management roles ? leadership of our fast-growing Private Banking division and of our critical Marketing & Communications function ? are held by very talented ladies. Personally, I?d like to see more women in senior roles and as long as we focus upon the person and not their gender, I am confident that will happen.

Q: What do the tighter capital rules of Basel III mean for Barwa Bank?

A: We are, of course, aware of the global regulatory climate and the desire that banks maintain higher levels of capital than have been the historical norm: this will have implications for all banks though given our current level of Capital Adequacy (24 per cent), compliance is not an issue and, for us, those implications are very much in the medium-term. Of course, the discipline that Basel III will impose is very welcome in a way that capital allocation and appropriate risk-pricing will become ever more important, an area upon which we already look to focus.

?

Related posts:

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Source: http://investvine.com/building-a-strong-brand-in-finance/

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Sunday, November 25, 2012

Fiscal cliff: How to judge if debt cuts are real

WASHINGTON (AP) ? President Barack Obama and leaders of the lame-duck Congress may be just weeks away from shaking hands on a deal to avert the dreaded "fiscal cliff." So it's natural to wonder: If they announce a bipartisan package promising to curb mushrooming federal deficits, will it be real?

Both sides have struck cooperative tones since Obama's re-election. Even so, he and House Speaker John Boehner, R-Ohio, the GOP's pivotal bargainer, have spent most of the past two years in an acrid political climate in which both sides have fought stubbornly to protect their constituencies.

Obama and top lawmakers could produce an agreement that takes a serious bite out of the government's growing $16 trillion pile of debt and puts it on a true downward trajectory.

Or they might reach an accord heading off massive tax increases and spending cuts that begin to bite in January ? that's the fiscal cliff ? while appearing to be getting tough on deficits through painful savings deferred until years from now, when their successors might revoke or dilute them.

Historically, Congress and presidents have proven themselves capable of either. So before bargainers concoct a product, and assuming they can, here's a checklist of how to assess their work:

OVERALL DEFICIT CUTS

The House and Senate have four weeks until Christmas. Their leaders and the president want a deal before then. Bargainers are shooting for a framework setting future debt-reduction targets, with detailed tax and spending changes to be approved next year but possibly some initial savings enacted immediately.

Obama has suggested 10-year savings totaling around $4.4 trillion.

Passing a framework next month that sets deficit-cutting targets for each of the next 10 years would be seen as a sign of seriousness. But look for specifics. An agreement will have a greater chance of actually reducing deficits if it details how the savings would be divided between revenue increases and cuts in federal programs, averting future fights among lawmakers over that question.

Better yet would be including a fast-track process for passing next year's tax and spending bills if they meet the savings targets so they can whisk through Congress without the possibility of a Senate filibuster, in which 41 of the 100 senators could kill a measure they dislike.

Another sign of sincerity: An enforcement mechanism that imposes savings automatically if lawmakers gridlock over details. Legislators' efforts now to avert January's combination of automatic tax boosts and spending cuts underscores the effectiveness of forcing them to act.

Less impressive would be verbal pledges by the White House and congressional leaders to meet deficit-cutting goals without passing legislation inscribing the figures into law.

___

TAXES

A deal that specifies where revenue would come from would lay important groundwork for next year's follow-up bill enacting actual changes in tax laws.

The biggest clash has been over whether to raise income tax rates on earnings over $200,000 annually for individuals, $250,000 for families. Obama wants to let them rise next year to a top rate of 39.6 percent but has suggested he would compromise. Boehner and other Republicans oppose any increase above today's top marginal rate of 35 percent. Instead, they advocate lower rates and eliminating or reducing unspecified deductions and tax credits. Settling that would resolve the toughest impediment to a deal.

Raising money from higher rates, closing loopholes or a combination of the two would create real revenue for the government. The problem is many tax deductions and credits , such as for home mortgages and the value of employer-provided health insurance, are so popular that enacting them into law over objections from the public and lobbyists would be extremely difficult.

With the price tags of tax and spending laws typically measured over a decade, delaying the implementation date can distort the projected impact of a change on people and the government's debt.

Tax cuts written to expire in a certain year can put future lawmakers under political pressure to extend it. That is what Obama and Congress face today with the January expiration of tax cuts, including many enacted a decade ago under President George W. Bush.

Even more questionable are assumptions that overhauling tax laws will boost economic activity and thus produce large new revenues for the government. Many Republicans and ideologically conservative economists contend that's the case, but most economists say there is no sound way to estimate how much revenue can be generated from strengthening the economy by revamping the tax system. Many believe the amount is modest.

___

SPENDNG

A serious agreement should specify how much savings would come from entitlements, meaning those big, costly benefit programs such as Social Security and Medicare. It also should say how much would come from discretionary spending, which covers federal agency budgets for everything from the military and national parks to food safety inspections and weather forecasts.

Why the need for specificity?

Because spending for entitlements occurs automatically, accounts for nearly two-thirds of federal spending and is the fastest growing part of the budget. Discretionary spending has been shackled by past budget deals and, according to the nonpartisan Congressional Budget Office, is moving toward falling below 6 percent the size of the economy by 2022, the lowest level in at least 50 years.

A sincere effort to control expenditures would focus on entitlements, the true source of the government's spending problem. An agreement that envisions deep discretionary cuts risks a reliance on savings that future lawmakers could find unbearable and rescind.

Savings that come from weeding out waste, fraud and abuse, which sounds good but are difficult to find, or rely on one-time sales of federal assets should be treated with suspicion.

Deep cuts that take effect in the future, say after Obama leaves office in 2017, might be better than imposing them now and hurting an already weak economy by reducing spending.

But delayed cuts also open the door for Obama's successors and future Congresses to roll them back. In 1997, Congress voted for cuts in Medicare reimbursements to doctors; those cuts have grown so large that lawmakers now vote annually to restore the money.

Postponing the implementation of spending increases already scheduled to take effect, such as federal health insurance subsidies under Obama's health care overhaul, saves money upfront but makes no permanent changes that would ease future spending pressures.

Another debatable source of deficit reduction would be the hundreds of billions of dollars the Obama administration says the government is saving by winding down wars in Iraq and Afghanistan. While there is no question those expenditures are dropping, the government has run huge deficits while those wars were waged, so there's no money being left unspent as those wars end.

Source: http://news.yahoo.com/fiscal-cliff-judge-debt-cuts-real-131727977--finance.html

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Effective Pain Management Clarksville TN | My Handy Infos

The various pain management Clarksville TN hospitals use several approaches to manage back pain. A substantial weight of an individual is supported by his or her spinal column. Moreover, the extent of flexibility and posture of the person is also determined by the spinal column. Unfortunately, it is highly vulnerable to acute and chronic pain that can be caused by stress, injuries and trauma.

There are several causes of back pain. They include abnormal posture, advancing age, strain, sprain, osteoarthritis, herniated disc and osteoporosis. Management of both acute and chronic backache is necessary to avert functional disability. Before commencing the management, it is important to know the basic characteristics of the backache such as site of origin, radiation and associated symptoms. This necessitates prior consultation.

Analgesic drugs are usually the first option in the management of the pain. The additional drugs that are given to supplement the actions of analgesics are corticosteroids, anti-inflammatory drugs, nerve blocking agents and muscle relaxants. The symptoms that are associated with the backache are managed by these additional drugs. Some of the drugs are patched on the site of pain, injected into the aching muscle, taken orally or applied topically. Managing pain by drugs is a short-term measure, and chronic pain must be scrutinized thoroughly.

Chronic backache can be managed and controlled via physio-therapeutic interventions. Such interventions are usually found in accredited rehabilitative hospitals. Moreover, such intervention must be given by a professional accredited physiotherapist whose management adequately controls the pain progression. Furthermore, the physiotherapist prepares the body of the patient for prolonged therapy.

Several therapeutic modalities are employed to prevent intensification of the pain. For instance, the initial signs of soreness can be managed by application of ice pack or heat on the area. An ultrasound simulator or a brace can be used to control and relax the tense muscles. Therapeutic training which involves the right physical exercises done under the supervision of an expert therapist do promote the strengthening of the core parts of the musculoskeletal system, hence, improving the posture, flexibility and control of pain.

Alternative therapies are utilized to supplement medical therapeutic modalities at the present time. Nevertheless, no substitution of scientific medical therapies with complementary therapies can be done. Pilates, yoga and Karate are various types of complementary therapies. The appropriate management of such a patient is guaranteed by such a holistic approach.

Some pain management Clarksville TN health centers do offer chiropractic services. Chiropractic treatment involves manipulation of the spinal column to correct misalignment of the vertebrae. An expert chiropractor can successfully manage, control or even alleviate various forms of backache. Chiropractors use both passive and active manipulation to realign the skewed spinal column to its correct position.

In conclusion, the services provided by pain management Clarksville TN health facilities are effective in alleviating, eliminating, or controlling either acute or chronic back pain. This is largely due to the integration of alternative therapies to the standard medical management plans, thus ensuring a holistic management of the distressed patient. These delicate balances between reductive and alternative therapies promote complete recovery. The staff of these health facilities is made up of board certified doctors and registered nurses, who can accurately pinpoint the cause of pain, make a diagnosis and manage the malady adequately.

When you need help with pain management Clarksville TN professionals are there to provide assistance at www.clarksvillepaininstitute.com . You can see details by clicking on the links at http://www.clarksvillepaininstitute.com now.

Source: http://myhandyinfos.com/health-fitness/effective-pain-management-clarksville-tn.html?utm_source=rss&utm_medium=rss&utm_campaign=effective-pain-management-clarksville-tn

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Video: Stocks Closing Higher on Black Friday

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Source: http://video.msnbc.msn.com/cnbc/49941268/

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Saturday, November 24, 2012

Supreme court to consider workplace harassment rules (reuters)

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Why must we buy? Black Friday's powerful pull

Shoppers stand in line outside a Best Buy department store before the store's opening at midnight for a Black Friday sale, Thursday, Nov. 22, 2012, in Arlington, Texas. Despite a surge of resistance as the sales drew near, with scolding editorials and protests by retail employees and reminders of frantic tramplings past, Black Friday's grip on America may have been proven stronger than ever. (AP Photo/Tony Gutierrez)

Shoppers stand in line outside a Best Buy department store before the store's opening at midnight for a Black Friday sale, Thursday, Nov. 22, 2012, in Arlington, Texas. Despite a surge of resistance as the sales drew near, with scolding editorials and protests by retail employees and reminders of frantic tramplings past, Black Friday's grip on America may have been proven stronger than ever. (AP Photo/Tony Gutierrez)

In this Nov. 21, 2012, photo, Black Friday shoppers Ryan Seech, right, Dylan Loeb, center, and Dalas Loeb, left, stake out their front of the line position at a Best Buy in West Mifflin, Pa. The Childhood friends have camped out at Best Buy for four years straight. This year, they arrived a full week early, with a tent, sleeping bags, deodorizing mist sprayer, propane heater and battery power for their gadgets. (AP Photo/Gene J. Puskar)

Shoppers rummage through a pile of sweaters on sale at a J.C. Penney store, Friday, Nov. 23, 2012, in Las Vegas. Despite a surge of resistance as the sales drew near, with scolding editorials and protests by retail employees and reminders of frantic tramplings past, Black Friday's grip on America may be stronger than ever. (AP Photo/Julie Jacobson)

Karen Jefferson, left, chats with Michelle Phan as they wait outside a Best Buy store in Raleigh, N.C., on Thursday, Nov. 22, 2012. The two had been camped out since Wednesday evening, missing Thanksgiving dinners with family in hopes of getting great deals on flat-screen televisions. (AP Photo/Allen Breed)

A crowd gathers as security guards break up a fight between shoppers waiting in line just as the doors open for Black Friday shopping at Target, Thursday, Nov. 22, 2012, in Bowling Green, Ky. Despite a surge of resistance as the sales drew near, with scolding editorials and protests by retail employees and reminders of frantic tramplings past, Black Friday's grip on America may be stronger than ever. (AP Photo/Daily News, Alex Slitz)

(AP) ? Gravy was still warm. Dallas Cowboys were still in uniform. Thanks were still being given across the country as the pilgrimages to the stores began, heralding a new era of American consumerism.

Lured by earlier-than-ever Black Friday sales, people left Grandma and Grandpa in search of Samsung and Toshiba. They did not go blindly: In dozens of interviews, people acknowledged how spending has become inseparable from the holidays. Older folks pined for the days of Erector Sets and Thumbelinas while in line to pay iPad prices. Even some younger shoppers said it felt wrong to be spending money instead of quality time on Thanksgiving.

"But we're still out here," said Kelly Jackson, a paralegal who was standing inside a Best Buy store in the Pittsburgh suburbs, a 32-inch television ($189) in her cart. It was a consolation prize: Despite four hours on line, she missed the cheaper 40-inchers ($179) that she had heard about while listening to Internet radio.

Jackson's resignation was common among those who flocked to capitalism's temples for the consumer equivalent of genuflecting. Many said that this Black Friday bled into Thursday crossed a line, that merchants should not intrude like this. Christmas is about the message of Jesus, the feeling went ? not about the gold, frankincense and myrrh.

Yet amid these protests, people still talked about feeling powerless beneath the moment ? as if they had no choice but to shop.

"You have to have these things to enjoy your children and your family," said Jackson's friend Ebony Jones, who had secured two laptops ($187.99 each) for her 7 and 11 year olds.

Why must we buy? To demonstrate our love for others? To add a few more inches to our televisions? To help America recover from a vicious recession that itself was born of the desire for more?

Such questions make Jones wince. "It shouldn't be that way, but in a sense there's no way around it," said Jones, a nurse. "Everything ends up with a dollar amount. Even your happiness."

Retailers have long capitalized on the holiday season's perfect storm of emotion and tradition. "We all want to be loved, we all like to give love," says Roger Beahme, director of the Center for Retail Innovation at the Wake Forest Schools of Business. Through a flood of advertising on TV, radio and newspapers, he says, retailers can create emotions.

"Will Rogers said it's the art of convincing people to spend money they don't have on something they don't need," Beahme says. Although advertising can serve useful purposes, he says, "there's some truth to that."

Many embrace the feeling ? and have, in accelerating ways, for a generation and more. Without legions of believers, Black Friday never would have gotten this bold. Despite a surge of resistance as the sales drew near, with scolding editorials and protests by retail employees and reminders of frantic tramplings past, Black Friday's grip on America may have been proven stronger than ever this year.

"It's all part of the holiday ? part of the tradition," said Dennis River, a truck driver who was in line for a television at the Walmart in Beaver Falls, a small community outside of Pittsburgh. Last year, he went out alone at midnight Thursday. This year, he brought his wife and daughter. They were in place by 7 p.m.

"You get up in the morning, cook, do your dinner and your football, then you go shopping," River said. "It's the new thing now. Everyone's afraid of change."

"If they wanna have sales today," he said, "I'm gonna go shopping today."

Walmart's cavernous store is always open, but the deals began at 8 p.m. As with most big retail stores, a police car was parked near the Beaver Falls store entrance. A uniformed officer was at the door, near a stand holding maps to "featured products" such as bikes, cookware, sheets, video game consoles, and eight different TVs.

The witching hour approached. Yellow CAUTION tape cordoned off the bargains and funneled a few thousand supplicants through aisles of ignored items ? yarn, shower curtains, party hats, clocks. Balloons printed with dollar signs followed by low numbers floated above the treasures.

As the cell phones struck eight, a din arose. Excited voices mixed with the sound of boxes dropping into metal shopping carts. The balloons danced as people dug into stacks of leather ottomans ($29) and 5-by-5 foot bins of $5 DVDs.

The temperature climbed. An old man inched through the throng using a folding chair ($11.88) as a crutch. Traffic jammed. Complaints and a few curses echoed.

"I'm not an angry person, but I was angry for the 20 minutes I was in there," Danyel Coyne, a college student, said as she loaded a child booster seat ($12.98) into her trunk.

She and her boyfriend, Mike Yanke, had not come to shop. They needed a spare car seat to take Yanke's daughter back to Pittsburgh. Yet Yanke still had bought a red, battery-powered convertible ($129) at his dad's request.

"I wouldn't say Black Friday has taken over," said Dave Davies, a music producer who was part of the national parade of TVs (his was 50 inches and $399). "Shopping IS the holiday. That's all people care about ? what are you gonna get?"

For some, the items themselves can even take a back seat to the simple act of shopping.

Childhood friends Jesse Bredholt, Ryan Seech and a few other buddies have camped out at Best Buy for four years straight. This year, they arrived a full week early, with a tent, sleeping bags, deodorizing mist sprayer, propane heater and battery power for their gadgets.

They had no idea what they would buy. That was not the point.

For this group of single men in their early 20s, part of a generation who mark the passage of time by their first cell phones and video games, the point is spending time with each other at the source of the products that have always defined their lives.

"Our family is here," said Bredholt, who works for a health-care company. "With five guys on one mattress, you gotta be family."

Karen Jefferson, 49, also has found family on line at Best Buy, beyond her husband and three children. She was there Wednesday, seated on a folding chair, clutching a rolled-up circular.

"I'm missing Thanksgiving, and my husband thinks I'm crazy," said Jefferson, who works at a mortgage insurance company. "But I do this every year . because I enjoy meeting people and the people that come when I do. I mean, you see the same people year after year. And I do get some very good deals."

What about studies that have shown better deals are available at other times of the year?

"Oh, really?" Jefferson said. "You just think, Black Friday! Oh, my gosh, that's the deal of the year."

"Maybe that's something I need to look into," she continued. "Because, I mean, if these aren't good deals, then what are we DOING then?"

__

Jesse Washington can be reached at http://twitter.com/jessewashington or jwashington(at)ap.org.

___

AP National Writer Allen Breed in Raleigh, N.C., contributed to this report.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2012-11-23-Black%20Friday%20Eats%20Thanksgiving/id-22faca7888b641d0b419e987b90f310f

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Nexus 4 shown working on Canadian LTE through simple carrier menu code (video)

Nexus 4 shown working on Canadian LTE through simple carrier menu code video

Want LTE on your new Nexus 4? Well, you might have to move country. Unless it's some elaborate post-Thanksgiving hoax from our Canadian neighbors, several Telus customers have demonstrated that the LTE chip hiding inside the Nexus 4 does work, and have connected to some data speeds resembling a 4G connection. This was enabled through the test menu, accessed by dialing "*#*#4636#*".

Tapping on the preferred network type option, you can select either LTE on its own, or a mix of LTE, GSM and CDMA. According to the videos, the Google phone then taps into your carrier's LTE network if Band 4 is available, and you're good to go. We've so far been unable to replicate it in the UK, which doesn't use the same LTE Band 4 (AWS 2100 / 1700MHz) of Canadian carriers Bell, Rogers and Telus. We have also tested this with AT&T's LTE, but had no luck there either -- we tried it in a Band 17 area, not a Band 4 area (which is less common). This is, however, great news for T-Mobile customers as this is precisely the type of LTE they'll be getting very soon. But for now, there's two working videos already doing the rounds from Canada and we've included them both below.

[Thanks Kaung]

Continue reading Nexus 4 shown working on Canadian LTE through simple carrier menu code (video)

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Friday, November 23, 2012

'Hitchcock': The Reviews Are In!

Critics praise the cast but lament the focus on Hitch's demons.
By Tami Katzoff


Anthony Hopkins and Scarlett Johansson in "Hitchcock"
Photo: Fox Searchlight

Source: http://www.mtv.com/news/articles/1697846/hitchcock-reviews.jhtml

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Buyers consider risks of beachfront homes after Sandy

NEW YORK (Reuters) - Dina Anzalone thought buying her first home would be one of the most exciting experiences of her life. That is, until Superstorm Sandy struck a month before she and her husband were set to close on a house in the Rockaways, Queens.

Located blocks from the ocean and the bay on a thin peninsula of land that makes up the coastal community of Belle Harbor in the Rockaways, Anzalone's prized colonial home with "old world charm" was inundated with 12 feet of seawater that filled the basement to the ceiling and a few feet of the first floor.

"My husband and I struggled," said Anzalone, who ultimately decided to move forward with the purchase of the home worth around $750,000. "People think we're absolutely crazy."

Throughout the New York metro area, Superstorm Sandy left behind difficult decisions for prospective buyers and sellers of damaged homes on the market.

Some buyers have decided to move forward but now must negotiate how repairs will be completed. Others are reneging and looking for escape clauses in their contracts. Realtors are taking inventory of their listings in flooded neighborhoods, while banks are sending appraisers out in droves to re-evaluate homes in the wake of the storm.

For the last eight years, Anzalone has rented in Brooklyn's Bay Ridge neighborhood with her husband and their 3-year-old daughter. Now, planning to go ahead with the purchase of the home in Rockaways, she expects home insurance premiums to rise 10 to 20 percent, and she is working with an attorney to negotiate with the seller to make necessary repairs.

INSURANCE DECISION MORE IMPORTANT NOW

Other buyers in contract have decided the risks are not worth closing the deal.

Richard R. Rodriguez, a real estate attorney who represents Anzalone, is helping two other clients try to escape from contracts on homes that were damaged.

"Everyone has the same concern: the neighborhood," and how it will recover, said Rodriguez.

In one case, Rodriguez said he plans to use a clause in the buyer's contract that required the deal to close by the end of October, just two days after Sandy hit. The buyer will most likely lose a few thousand dollars by walking away, a cost Rodriguez considered "not bad."

Attorney Jay Freedhand is representing a buyer who planned to close on a nearly $2 million home last week in Far Rockaway. But after the city's Department of Buildings deemed the house severely structurally damaged, the buyer wanted to renege. Freedhand is now looking for outlets to stop the sale stemming from the city's damage classification.

"We don't know what that legally means," said Freedhand. "We need to figure out exactly what the government order actually means. That part is unprecedented."

In hard-hit Hoboken, New Jersey, contracts began fraying shortly after the storm moved inland, even on homes that were not damaged by the storm. Gene Cordano, director of sales for Halstead Property in New Jersey, said he lost three deals in contract.

"They decided they didn't want to deal with the possibility of flooding in the aftermath," said Cordano, who said he considered the loss "a blip on our radar screen."

With some New Jersey residents dislocated by the storm, Cordano said he expects to see available housing units quickly filled.

"The question being asked going forward is, ?Did this building flood during the hurricane?' And that will be answered by, ?yes,' in many cases," Cordano said.

Of the roughly 140 properties listed in Hoboken, an estimated 56 percent were flooded or otherwise damaged in the storm, Prime Real Estate Group Co-Chief Executive Officer Jesse Halliburton said.

"There is definitely going to be a time period when consumer confidence is going to be lower and less likely to make a quick decision," Halliburton said.

"It's crossed my mind that property prices could drop," Halliburton said.

Robin Shapiro of Robin Shapiro Realty said the sand drift against her own home in the Rockaways was 3-feet-high the day after the hurricane. After digging out, Shapiro said she fielded calls from real estate flippers looking for cheap deals, but Shapiro, who still lost two deals in contract after the storm, did not foresee prices would significantly decline.

"There are only so many oceanfront properties," she said.

Jonathan Miller, president of the real estate appraisal firm Miller Samuel, agreed buyers will continue to idolize beachfront properties, but a sobering effect on the market, should there be one, would most likely come from lenders and insurers.

"It's going to come down to cost and access to credit. Lenders right now are essentially afraid of their own shadow. They are looking for reasons not to lend," said Miller. "Even if a home has flood insurance, lenders may be wary and look for a reason to not issue a mortgage."

(Reporting by Robin Respaut; Editing by Jackie Frank)

Source: http://news.yahoo.com/buyers-consider-risks-beachfront-homes-sandy-184445526--finance.html

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