2 killed in renewed shelling of Syrian city

In this Wednesday, Feb. 22, 2012 citizen journalism image provided by the Local Coordination Committees in Syria and accessed on Thursday, Feb. 23, 2012, flames rise from a house from Syrian government shelling, at Baba Amr neighborhood in Homs province, Syria. A French photojournalist and a prominent American war correspondent working for a British newspaper were killed Wednesday as Syrian forces intensely shelled the opposition stronghold of Homs. (AP Photo/Local Coordination Committees in Syria) THE ASSOCIATED PRESS IS UNABLE TO INDEPENDENTLY VERIFY THE AUTHENTICITY, CONTENT, LOCATION OR DATE OF THIS HANDOUT PHOTO

In this Wednesday, Feb. 22, 2012 citizen journalism image provided by the Local Coordination Committees in Syria and accessed on Thursday, Feb. 23, 2012, flames rise from a house from Syrian government shelling, at Baba Amr neighborhood in Homs province, Syria. A French photojournalist and a prominent American war correspondent working for a British newspaper were killed Wednesday as Syrian forces intensely shelled the opposition stronghold of Homs. (AP Photo/Local Coordination Committees in Syria) THE ASSOCIATED PRESS IS UNABLE TO INDEPENDENTLY VERIFY THE AUTHENTICITY, CONTENT, LOCATION OR DATE OF THIS HANDOUT PHOTO

This image from amateur video purports to show Edith Bouvier of Le Figaro in a makeshift clinic in Homs, Syria, Thursday, Feb. 23, 2012. Bouvier was wounded in shelling Wednesday in Homs. (AP Photo) THE ASSOCIATED PRESS CANNOT INDEPENDENTLY VERIFY THE CONTENT, DATE, LOCATION OR AUTHENTICITY OF THIS MATERIAL.

This image from amateur video and accessed by Associated Press Television News purports to show Paul Conroy of the Sunday Times in a makeshift clinic in Homs, Syria, Thursday, Feb. 23, 2012. Conroy appears in the video and the doctors say he has deep gashes in his left leg. (AP Photo) THE ASSOCIATED PRESS CANNOT INDEPENDENTLY VERIFY THE CONTENT, DATE, LOCATION OR AUTHENTICITY OF THIS MATERIAL.

In this Wednesday, Feb. 22, 2012 citizen journalism image provided by the Local Coordination Committees in Syria and accessed on Thursday, Feb. 23, 2012, anti-Syrian regime protesters hold up Kurdish flags with a fleet of cars during a rally in the northeastern town of Qamishli, Syria. (AP Photo/Local Coordination Committees in Syria) THE ASSOCIATED PRESS IS UNABLE TO INDEPENDENTLY VERIFY THE AUTHENTICITY, CONTENT, LOCATION OR DATE OF THIS HANDOUT PHOTO

In this Wednesday, Feb. 22, 2012 citizen journalism image provided by the Local Coordination Committees in Syria and accessed on Thursday, Feb. 23, 2012, Syrian student protesters chant slogans, during a demonstration against Syrian President Bashar Assad, at the Aleppo University's Square, in the northern city of Aleppo, Syria. President Bashar Assad's regime escalated attacks on rebel bases elsewhere, with helicopter gunships strafing areas in the northwest, activists said. (AP Photo/Local Coordination Committees in Syria) THE ASSOCIATED PRESS IS UNABLE TO INDEPENDENTLY VERIFY THE AUTHENTICITY, CONTENT, LOCATION OR DATE OF THIS HANDOUT PHOTO

BEIRUT (AP) ? Activists say at least two people have been killed as Syrian troops resumed the shelling of a rebel-held district in the besieged city of Homs.

The activists say the two died shortly after government forces began shelling Baba Amr on Friday morning, after a relative calm overnight.

The Baba Amr neighborhood on the city's southeast corner has become the epicenter of the nearly yearlong uprising against President Bashar Assad. It's been under siege and intense shelling for three weeks. Hundreds of civilians have died, according to activists.

As the violence continues, a meeting in Tunisia is expected to bring together more than 70 nations on Friday to look at ways to assist Assad's opponents.

THIS IS A BREAKING NEWS UPDATE. Check back soon for further information. AP's earlier story is below.

BEIRUT (AP) ? Medics stitch wounds with thread used for clothing. Hungry residents risk Syrian government sniper fire or shelling to hunt for dwindling supplies of bread and canned food on the streets of the besieged city of Homs.

The opposition stronghold was being destroyed "inch by inch," by government forces, with collapsed walls and scorched buildings, according to accounts Thursday, while Western and Arab leaders hoped to silence the guns long enough to rush in relief aid.

The pressure for "humanitarian corridors" into the central Syrian city of Homs and other places caught in President Bashar Assad's crushing attacks appeared to be part of shifts toward more aggressive steps against his regime after nearly a year of bloodshed and thousands of deaths in an anti-government uprising.

In back-to-back announcements, U.N.-appointed investigators in Geneva said a list for possible crimes against humanity prosecution reaches as high as Assad, and international envoys in London ? including U.S. Secretary of State Hillary Rodham Clinton ? made final touches to an expected demand for Assad to call a cease-fire within days to permit emergency shipments of food and medicine.

Washington and European allies remain publicly opposed to direct military intervention. But there have been growing signs that Western leaders could back efforts to open channels for supplies and weapons to the Syrian opposition, which includes breakaway soldiers from Assad's military.

In a sign of the international divide, however, key Assad ally Russia said Moscow and Beijing remain opposed to any foreign interference in Syria. Russian President Dmitry Medvedev spoke by telephone with the president of the United Arab Emirates and emphasized that "foreign interference, attempts to assess the legitimacy of the leadership of a state from the outside, run counter to the norms of international law and are fraught with the threat of regional and global destabilization," the Kremlin said.

"It is a deeply frustrating situation," British Foreign Secretary William Hague told BBC radio ahead of the London talks. He said that the Assad regime "has continued to act seemingly with impunity."

At least 16 people were killed across Syria, activists said. One group, the Local Coordination Committees, put the number at 40 with attacks ranging from mountain villages to areas near the capital of Damascus. The reason for the differing tolls was not immediately clear.

The most intense offensive, however, remained on beleaguered Homs, Syria's third-largest city. Its defiance ? amid hundreds of civilian casualties in the past weeks ? has eroded Assad's narrative that the uprising is the work of "armed thugs" and foreign plots.

Images posted online and accounts from activists and correspondents smuggled in ? including two Western journalists killed Wednesday ? also have stirred comparisons to sieges such as Misrata during last year's Arab Spring revolt in Libya.

The epicenter ? the Baba Amr neighborhood on the city's southeast corner ? is a collection of slum-like apartment blocks with peeling paint and neglected older homes. They draw in workers and fortune-seekers from across Syria to a place known as the "mother of the poor" because of its cheaper cost of living, compared with Damascus or Aleppo.

"They are blanketing Baba Amr with shells and snipers. They are destroying it street by street, inch by inch," local activist Omar Shaker told The Associated Press.

Residents say 70 percent of the area is now uninhabitable in harsh winter weather with temperatures dipping close to freezing some nights. Walls have collapsed; windows are shattered from shells that fall as much as two-a-minute during some of the heaviest barrages.

Another Homs activist, Mulham al-Jundi, called the conditions "catastrophic" in parts of the city, spreading over a valley in central Syria just 18 miles (30 kilometers) from the Lebanese border. Long lines form at even rumors of bread, cans of food or fuel for heaters, he said.

"There simply isn't enough to go around anymore," said Rami Abdul-Rahman, director of the British-based Syrian Observatory for Human Rights.

Syria's state-run media pushed back with its own version: Running photos on the official news agency SANA that claim to show markets full of food in Homs. It called the claims about food shortages "fabricating lies."

Activists give a very different view. Bodies are buried wherever people can find space, they say. The wounded are too scared to try to reach government-controlled hospitals in other parts of the city. Instead, they stagger into makeshift clinics in kitchens and offices, al-Jundi said.

He said clothing thread is now used after surgical sutures ran out. In some places, medics conduct operations by only the light of an office lamp. In the Bab Drieb neighborhood, volunteers get a crash course in basic first aid before being put to work.

"I saw a nurse teaching a couple of people what to do. They had no idea," said al-Jundi. "It's unbelievable and tragic."

Homs ? which is mostly Sunni ? was an early flashpoint of dissent against Assad's regime, which is led by the minority Alawite community, which has Shiite power Iran as its main patron.

In April, protesters gathered at the central Clock Square in Homs, bringing mattresses, food and water in hopes of emulating Cairo's Tahrir Square during the Egyptian revolution. Homs had a reputation for tolerance between Syria's religions and Muslim sects, said Mohammad Saleh, an opposition figure who fled the city, but Sunnis have increasingly felt pushed into an underclass status by Assad.

A Western intelligence official said the Syrian military has the ability to "level Homs if it wanted to." But the risks of backlash from Syria's majority Sunnis ? including many military officers ? is far too great, said the official, who spoke on condition of anonymity under briefing rules.

On Wednesday, shelling of Baba Amr killed American-born veteran war correspondent Marie Colvin and French photographer Remi Ochlik.

They were among a group of journalists who had crossed into Syria illegally and were sharing accommodations with activists, raising speculation that government forces targeted the makeshift media center where they were staying. But opposition groups had previously described the shelling as indiscriminate. At least two other Western journalists were wounded on Wednesday.

A Syrian Foreign Ministry spokesman offered condolences to the families of Colvin and Ochlik, but rejected any responsibility for their deaths. The spokesman urged foreign journalists to respect Syrian laws and not to sneak into the country.

Some Syrians held protests and vigils Wednesday night to honor Colvin and Ochlik.

"Remi Ochlik, Marie Colvin, we will not forget you," read one banner held by protesters in the town of Qsour in Homs province.

Two other journalists were wounded. In a video posted on YouTube, one of those injured, Edith Bouvier of Le Figaro, said her leg is broken in two places and that she has received some medical treatment but now needs an operation. Bouvier said she was speaking Thursday and is calm throughout the more than six-minute video.

The U.N. estimates that 5,400 people have been killed in repression by the Assad regime against a popular uprising that began 11 months ago. That figure was given in January and has not been updated. Syrian activists put the death toll at more than 7,300. Overall figures cannot be independently confirmed because Syria keeps tight control on the media.

"Every minute counts," Shaker said. "People will soon start to collapse from lack of sleep and shortages in food."

The international struggle over how to end Syria's crisis moves Friday to Tunisia. The meeting is expected to bring together more than 70 nations to look at ways to assist Assad's opponents.

On the eve of the Tunisia meeting, the U.N. announced that former secretary-general Kofi Annan would be the joint U.N.-Arab League envoy to Syria. His mandate will be to try to end the violence and arrange a political transition.

The United States, Europe and Arab nations worked in London to draft a demand for Assad to impose a cease-fire with 72 hours to allow humanitarian convoys or face new punitive measures, likely to include toughened sanctions.

Officials at the London meeting said some nations have proposed creating protected corridors for humanitarian relief. It was unclear, however, whether it would receive full backing because it would almost certainly require military protection. The officials spoke on condition of anonymity due to the sensitivity of the ongoing discussions before the so-called "Friends of Syria" conference in Tunis.

Some Arab nations, such as Qatar, have urged consideration of direct military intervention similar to the NATO-led air campaign that helped end Moammar Gadhafi's regime in Libya. Western powers have so far opposed trying to mobilize another military coalition for Syria.

More workable, officials said, would be a cease-fire such as the one proposed by the International Committee of the Red Cross, which is calling for a daily two-hour break in fighting to provide aid.

"The efforts that we are undertaking with the international community ... are intended to demonstrate the Assad regime's deepening isolation," Clinton told reporters. "Our immediate focus is on increasing the pressure. We have got to find ways of getting food, medicine and other humanitarian assistance. Into affected areas. This takes time and it takes a lot of diplomacy."

If Assad doesn't comply, "we think that the pressure will continue to build. ... I think that the strategy followed by the Syrians and their allies is one that can't stand the test of legitimacy ... for any length of time," she said. "There will be increasingly capable opposition forces. They will from somewhere, somehow find the means to defend themselves as well as begin offensive measures."

White House spokesman Jay Carney said the Obama administration still opposes military intervention but "obviously we'll have to evaluate this as time goes on."

In Geneva, a panel of U.N. human rights experts said the United Nations has a secret list of top Syrian officials who could face investigation for crimes against humanity. The U.N. experts indicated that the list goes as high as Assad.

Experts said the list appears mostly part of international pressures on Syria rather than a direct threat. Syria isn't a member of the International Criminal Court so is outside its jurisdiction. Russia also would likely block any moves in the U.N. Security Council to refer the country to the Hague-based tribunal.

The European Union is expected next week to add seven Syrian government ministers to those already under sanctions that free assets and ban visas, said an EU official in Brussels. The official, who spoke on condition of anonymity because of EU rules, said additional restrictions may be imposed on Syria's central bank, on imports of precious metals from the country, and on cargo flights.

The EU had already sanctioned more than 70 Syrians and 19 organizations, and has banned imports of Syrian oil.

In Amman, Jordan, several dozen Syrians, mainly from Homs, protested at the U.S. Embassy and asked for Western military intervention. "Almighty God, destroy Bashar," they chanted.

___

Associated Press writers Dale Gavlak in Amman, Jordan, Matthew Lee and David Stringer in London, Lynn Berry in Moscow, Slobodan Lekic in Brussels and Frank Jordans in Geneva contributed to this report.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2012-02-24-ML-Syria/id-29913d77aeca44e5a36071ed9c060b50

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US tornado chasers prepare for high season

WASHINGTON?? With the month of March looming, United States tornado chasers are already watching the Southeast as a nasty storm brews with the potential to spin off a batch of tornadoes.

But if funnel clouds develop Thursday or Friday as some forecasters believe, they won't be the first. This tornado season got an early and deadly start in late January when two people were killed by separate twisters in Alabama. Preliminary reports showed 95 tornadoes struck last month, compared with 16 in January during a particularly stormy 2011.

The season usually starts in March and then ramps up for the next couple of months, but forecasting these storm seasons is even more imprecise than predicting hurricane seasons. Tornadoes are too small and too short-lived for scientists to make seasonal predictions. They don't develop like blizzards and hurricanes, which are easier to project.

Difficult to forecast
They pop in and pop out. The storms that give them birth may last only a few hours. Hurricanes and blizzards are lumbering beasts that spend days moving across the satellite maps. When a hurricane approaches, coastlines get days warning to evacuate. With a tornado, if the weather service can let people know 20 minutes in advance, it's considered a victory.

"The Joplin (Missouri) tornado (that killed 158 people last May) wasn't violent until just about the time it got to the hospital," said Harold Brooks, a research scientist at the National Oceanic and Atmospheric Administration's National Severe Storms Laboratory, in Norman, Oklahoma. "Even when you're in the field, there are still times when you're surprised by the intensity of the event and how quickly it started."

Story: Joplin tornado came with terrifying speed

If a forecast for a hurricane or blizzard is off by a mile, it's still bad weather. But a mile difference means no damage in a tornado, Brooks said: "It's so much finer in time and space on the tornado, it does make it a harder problem."

It takes a piece of debris only a few seconds to fly around an entire tornado; it takes hours to circle a hurricane. But tornadoes, though smaller, can have stronger winds. Since 1950, there have been 58 tornadoes in the U.S. with winds exceeding 200 mph; six last year alone. Only three hurricanes have made U.S. landfall with winds more than 155 mph.

And forecasters are telling the Southeast and heartland to get ready again.

"It looks like this week we're moving into a slightly more active dynamic pattern," said warning meteorologist Greg Carbin at the National Weather Service's Storm Prediction Center, also in Norman, Oklahoma.

'Definitely more unpredictable'
The percolating Southeastern storm is proof of exactly how hard meteorologists have it. On Tuesday evening, Carbin said, "We're kind of expecting it to be a fairly significant event" and the storm center's website had a small red swath for potential severe storms with tornadoes.

By Wednesday morning, the storm center's forecast was much less clear. While the storm looks bad with potential for tornadoes, one of the key ingredients ? unstable upper level air ? is not quite behaving as predicted. So that means forecasters have less an idea of when and where the bad weather and potential twisters will hit, said Corey Mead, a meteorologist at the center.

By Wednesday afternoon, the storm prediction center massively expanded its Thursday watch area to include Ohio, Indiana, Kentucky, Tennessee, Arkansas, Louisiana, Mississippi, Alabama, Georgia, West Virginia and parts of Virginia, the Carolinas and most of Florida.

"A lot of things have to come together at once to have a tornadic storm and the skill at forecasting all those things is near zero," said Howard Bluestein, a professor at the University of Oklahoma. "They are definitely more unpredictable."

All this comes on the heels of one of the worst tornado years in U.S. history. Tornadoes in 2011 started the earliest ever ? New Year's Day ? killing 550 people, injuring 5,400 and causing $10 billion (euro7.56 billion) in damage over the year, the most in U.S. history. The 2011 season had the most tornadoes in a single day and a single month on record.

Video: Twister terror caught on tape (on this page)

But if you ask tornado experts what that means for this year, they'll answer that they just don't know. Later this summer, meteorologists will meet in a special conference to try to figure out how to do that type of longer-term tornado prediction. And the National Weather Service is installing new radar for live forecasting, tracking and distinguishing of tornadoes. Those together mean that maybe in 2020 or so, meteorologists will be able to say watch out this season or relax a bit ? but not just yet, Brooks said.

A new study by Columbia University professor Michael Tippett points out potential factors ? vertical wind shear, updraft and a type of rainfall ? that might help for long-range tornado forecasts.

Another factor is La Nina, the flip side of El Nino. It's a cooling of the central Pacific Ocean. Scientists have noticed a correlation between strong La Ninas and active tornado seasons ? including last year. But it's not so simple or clear-cut, Tippett and others say. The current La Nina is weakening so much it shouldn't be a factor this year, several experts said.

The new radar, called dual polarization, allows meteorologists to see through rain and dark and be sure if high winds are a tornado. In the past, meteorologists had to wait for ground confirmation. This won't help with long-term forecasts but could save lives in real-time because forecasters can be more certain in their warnings, said National Weather Service meteorologist Paul Schlatter.

__

Online:

National Weather Service's Storm Prediction Center: http://www.spc.noaa.gov/

National Weather Service's summary of 2011 tornado season: http://1.usa.gov/wvq3t8

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

Source: http://www.msnbc.msn.com/id/46500085/ns/weather/

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Summary Box: Mazda dives on plan to raise $2B (AP)

[unable to retrieve full-text content]AP - STOCK SKIDS: Mazda stock dropped nearly 7 percent Thursday after the struggling car maker said it will raise about $2 billion from selling new shares to invest in assembly plants and develop new technologies.

Source: http://us.rd.yahoo.com/dailynews/rss/japan/*http%3A//news.yahoo.com/s/ap/20120223/ap_on_bi_ge/as_japan_mazda_summary_box

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HP profit plummets, CEO urges patience (Reuters)

[unable to retrieve full-text content]Reuters - Hewlett-Packard Co's earnings fell nearly 44 percent and the world's No. 1 computer maker forecast a second-quarter profit below Wall Street estimates as it struggles with weak sales of PCs and printers.

Source: http://us.rd.yahoo.com/dailynews/rss/earnings/*http%3A//news.yahoo.com/s/nm/20120223/bs_nm/us_hp

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Build Personal Development Program with Wizards Business ...

If you are in a need to enhance your personal, professional, educational, and psychological life, you need a personality development program that can be a powerful tool in discovering an individual's path in life. A personal development course has been in practice since ancient time as it offers countless benefits to the people who opt for the program.

As per the survey done, about 57% of patrons say that the main reason they don`t return to a business to buy product or have a service, is because of the unresponsiveness of staff. Therefore, it is very important to keep yourself and your employee abreast with all the qualities. We -Wizards Business Consulting are specialized in identifying the real people issues and obstacles through NLP and Time Line Therapy, making it easier to develop and execute simple people systems and strategies that produce results.

At Wizards Business Consulting we have a team of professionals with advanced qualifications from top business schools and institutes across the globe. The team has years of experience in the Leadership Coaching and aim to offer you quality services in the field of Human Resources Leadership Coaching, Culture Identification, Neuro Linguistic Programming, Time Line Therapy, Staff Motivation & Empowerment, and more. Our mission is to give you premier consulting services in various sectors and be instrumental in creating a community of smart populace with the relevant training and tools to best serve their clients.

With core understanding of clients? specific requirements, our experts devise plans Personal Development program as per schedule and budget of our clients. Our services are a result of years of ability and knowledge gained by our professionals. They have year long experience in the domain and offer best services to bring revolutionary change in client?s life. Moreover, we strive to keep up a strong association with our clients by offering them cost effective and flexible Employee Retention services. With our technical expertise and inclination towards latest technology, we are able to give solutions to enhance the business prospects of our clients. To know more about us, visit our site http://www.businesswizards.com.au/

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GOP 'super PACs' buoyed by mega donors in Jan. (AP)

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AP - A pair of "super" political action committees supporting top Republican presidential candidates spent nearly $24 million in January, drawing upon major gifts and repeat donations from wealthy business executives, according to financial reports the groups filed Monday with the government.

Source: http://us.rd.yahoo.com/dailynews/rss/gop/*http%3A//news.yahoo.com/s/ap/20120221/ap_on_el_pr/us_campaign_fundraising

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Material Misuse Treatment Center Makes Use of Nutritional Therapy ...

The standard therapies given for DE-addiction in customary place a load of price on facets like:

Psycho-social suggesting adjustment of behavior layouts application as well as administration of pharmaceuticals and remedies for tempering yearnings

The majority of the desire self-help collections that associate with addicts as well as difficulty customers likewise are inclined to place their acknowledgment on the above discussed elements likewise. Having expressed that, one average detail that all of these techniques need takes place to be an aspect that happens to be skipping in all of them. Correctly it happens to be the health and wellness parts which occurs to happen to be literally expected to happen to be an incredibly substantial detail of the therapies operation in addition to amazingly few of them prioritize it. After all, wanting over virtually everything else, alters the people physical in addition to bodily process. Besides the preparatory cleaning, countless of the basic desire in addition to component abuse therapy solutions do certainly not arrange a whole lot of worth on the health management of the craving which takes place to happen to be a ton even more medical.

Having said that, taking within perspective the ongoing investigation actualities, countless of the recent medication therapies centers have literally commenced taking this factor within perspective likewise. Several of the addicted people who come for a rehab treatment start off having a major chemical imbalance in their body. This occurs to happen to be a little something that makes it all the tougher for these unlucky people to experience fulfillment or joy in anything at all. Material misuse prompts the circumstances further even more to a situations where the discrepancy raises to the utmost volume. This substantially lowers the bodies capability to get nutrition for standard metabolic fee. As malnutrition proceeds, it results in a myriad spectrum of bodily disorders and also results in impairment of the bodies capacity to take in the important supplements to keep the body chemistry in ideal procedure. As a result in the last couple of lots of years, numerous of the medication treatment center amenities around the world have really started incorporating wellness specialists in addition to advising in their therapy programs.

The two most beneficial health and wellness approaches, which happen to be happening to be used these days, happen to be the amino acid therapists and the intravenous nutrient treatments. These happen to happen to be specialized therapies custom developed to restock the dropped nutrients of the addicted customers as well as produce a sound chemical balance in the body. As an outcome of this, an upgraded chemical balance that transpires to happen to be resurrected in the bodies of the recuperating consumers makes them seem much more desirable than ever before recently. the concepts happen to be started on the concept that a much better balance originating from better nourishment crowns even more worthwhile behavior adjustment along by having the inspirational methods. The enhanced nutrition helps enhance the strength of the addicts to feel truly excellent and routine as well as overjoyed likewise without making the most of substances like medications.

The amino acid therapy transpires to be used in countless of the prescription treatment center these days as it is a progressively appealing health treatments that helps tackle compulsion to an excellent degree. The neurotransmitters in the body are made of amino acids. There are a quantity of facets that are able to simply lower the amino acids in the body. These are malnutrition, genetics and also likewise strain. In actuality professionals have actually figured out that if the amino acid degrees happen to happen to be inexpensive in the body, individuals are most likely to have yearnings for consuming, solid tobacco, cocoas, cocaine and also a cup of coffee. The kind of yearning that an individual happen to be going to desire founded on the particular amino acid that is missing in the body. So while recuperating, the addicts appear standard amino acid resolution treatments over the whole class of the therapy. Like this the recovering body happens to be presented the much required aspects to help and mend the interrupted chemistry in the your mind.

Want to find out more about Mike Miller?s site on how to choose the best Substance Abuse Treatment Center In Texas for your needs.

This entry was posted in Health & Fitness and tagged Health & Fitness. Bookmark the permalink.

Source: http://datingadvicesingles.com/love/?p=48191

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Everything Finance ? Blog Archive ? Personal Finance Guidelines ...

Men and women in immense amount of individual credit card debt are in search of ways to come out of there monetary troubles and hence, they?re in search of some individual finance tips. You will discover many techniques which may assist the customers to obtain from their debt. These methods are bankruptcy, credit card debt management, debt settlement and financial debt consolidation. Though bankruptcy is among the conventional techniques of financial debt relief, 1 really should usually try to stay clear of it unless of course there is certainly no other hope. But till then, it can be better to discover the alternatives.

Debt settlement and consolidation would be the two major relief programs which function nicely for that consumers. Debt management on other hand is really a type do-it-yourself approach where the consumers should handle their debts and finances after which repay the debts in complete. These question of legitimacy is reduced to two known approaches of debt settlement and debt consolidation. Customers should keep in mind that these systems will function only when they are legit. If not, the buyers will probably be fooled by fake and fraud companies and there will probably be no good end end result when it comes to financial debt elimination.

A legit settlement plan operates well. It is capable of reducing at the very least 50% of the dues that the debtors have. In a settlement system the negotiator from your settlement firm contacts the creditor on behalf with the customer and intimates the creditor that the consumer won?t have the ability to repay the credit card debt in complete. A formal letter is sent to the creditor and then when the creditor sells off the financial debt to a collection agency for recovery, the negotiator contacts the creditor and delivers a repayment of 30-50% with the complete dues in lump sum. The creditor also faces an implicit threat the customer will file for bankruptcy inside the event with the creditor declining the supply. The creditor agrees to the offer and eliminates at least 50% with the whole because of and then the customer must give the remaining amount of money to the creditor inside the time offered.

A legit consolidation program is a bit different. Here the financial debt just isn?t removed. The consolidator in the consolidation firm hired from the customer contacts the creditors and inquire them to reduce the rate of interest and eliminate a few of the costs and expenses of debt for instance late payment, over limit fees and so forth. Here also the menace of bankruptcy is used to force the creditors to agree to what the customer would like. When the collectors get rid of these fees and lessen the interest rates, the loans are re-amortized and new repayment schedules are produced. The consumer then need to spend the consolidator each month who will then distribute the money among the creditors.

This entry was posted on Sunday, February 19th, 2012 at 9:22 pm and is filed under Finance. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

Source: http://foxridgequarterhorse.com/finance-2/personal-finance-guidelines-how-genuine-consumer-credit-card-debt-relief-applications-work/

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Putin says Russia needs strong military (AP)

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AP - Russia needs to modernize its military arsenals to deter others from grabbing its resources, Russia's Prime Minister Vladimir Putin said in an article published Monday.

Source: http://us.rd.yahoo.com/dailynews/rss/russia/*http%3A//news.yahoo.com/s/ap/20120220/ap_on_re_eu/eu_russia_military_modernization

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The Real Issue (talking-points-memo)

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Pete Hegseth For Senate? (Powerlineblog)

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Marcia Gay Harden to Divorce Thaddaeus Scheel

Marcia Gay Harden has decided to end her marriage to Thaddaeus Scheel after 15 years.

"For the sake of the couple's three children, Harden would like to request that the family's privacy be respected at this time," her rep says in a statement.

"No further comments will be made, and thank you for your understanding."

The actress and Scheel have 7-year-old twins and a 13-year-old daughter.

Harden, 52, won the Best Supporting Actress Oscar in 2001 for Pollock. She was also nominated for Best Supporting Actress for Mystic River in 2004.

Most recently, she won a Tony Award in 2009 for God of Carnage.

Source: http://www.thehollywoodgossip.com/2012/02/marcia-gay-harden-to-divorce-thaddaeus-scheel/

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Race horses Available ? Tips About Getting Farm pets | Spicy Sprouts

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However, you shouldn?t fret there exists a way that you can find the website that you should decide on. The sites that are promoting the particular mounts are usually the majority of typically referred to as moose classified listings and they?ll utilize various kinds of systems. There are several of such web sites that all that you post each your own advertising along with picture totally free, other individuals charges you one to include a photograph, and still other individuals could make you repay front for both the advertisement and the images.

Images of the equine is equally as significant as your description itself. This will aid attract a purchasers interest and makes them desire to go through your add just before these people go forward. Even though it is just a mind chance of your mount it would be a lot better than not including images in any way.

Among the best and most reputable sites could be horse.com. This website permits the vendor to position free of charge text message advertisements together with data related to your horse. Nevertheless, should you be wanting to incorporate photos you will find various deals you could select from based on your needs and the quantity that you will be prepared to commit.

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After you have evaluated the complete personality of the horse and so are pleased with the results you?re to purchase your very first mount. Nevertheless you need to be sure you won?t ever feel like you are getting compelled directly into getting a mount. You also have to be sure that owner gives you the receipt as well as invoice involving sale to ensure in case you have virtually any info you will have proof buying.

Source: http://www.spicysprouts.com/uncategorized/race-horses-available-tips-about-getting-farm-pets/

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French navy helped attacked ship off Nigeria (AP)

LAGOS, Nigeria ? An anti-piracy watchdog says the French navy, rather than Nigerian authorities, had to help a cargo ship attacked by pirates that saw two crew members killed.

The International Maritime Bureau said on their website Thursday that the French aided the cargo ship after the attack early Monday. The bureau said eight pirates took a cook hostage and forced him to the captain's room, where they shot and killed him while stealing a safe.

The bureau said the chief engineer died from injuries he suffered when falling down a makeshift rope of bed sheets to escape.

The attacks are just the latest to target West Africa's Gulf of Guinea, where piracy has escalated from low-level armed robberies to hijackings and cargo thefts.

Source: http://us.rd.yahoo.com/dailynews/rss/africa/*http%3A//news.yahoo.com/s/ap/20120216/ap_on_re_af/af_west_africa_piracy

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Money Makes the World Go Round | eJewish Philanthropy: Your ...

The Next Generation: What Jewish Organizations are Doing to Cultivate 20-and-30-Somethings
part 2 of 2 (here?s part 1)

by Abigail Pickus

It?s all well and good to hear how the organizational world is working overtime to try to make young Jews feel at home, but beyond ?raising leaders? and ?empowering the next generation,? are NextGens actually putting anything back in the pot?

Because at the end of the day, someone has to write the check to ?support? or ?make possible,? well, everything. From the Starbucks that keep a disengaged Jew in Denver nice and caffeinated while they share just what they want in a Jewish community to the educational center in Haiti for the children whose lives have been devastated by the 2010 earthquake.

And the answer?

Young Jews are giving.

The Jewish Communal Fund of New York, in fact, has seen a significant increase in the number of Next Gen fund holders under the age of 40, according to Michelle Lebowits, Director of their NextGen Philanthropy.

But true to the individualized nature of these generations, young people are giving their way.

?I don?t necessarily agree with the premise that young people don?t want to give money. They just want to be connected to the organizations they want to support. What we might be seeing and misinterpreting is not that young people need to be connected to the end goal, they just want some sense of how organizations operate and how they continue to be relevant,? said Will Schneider, Executive Director Slingshot, a nonprofit dedicated to strengthening innovation in Jewish life by developing next-generation funders. Every year, Slingshot puts out a much sought after resource guide ? ?the Zagat?s of the Jewish organizational world? ? ranking the top 50 innovative nonprofits in North American Jewish life, which they also support. (Last year, ACCESS made Number 1.)

While Schneider at Slingshot works with a particularly wealthy set of young Jews who are the next generation of well-known family foundations, the fact is their funding habits are in line with the rest of their generation, which can be summed up in a few words: ?They are not going to give blindly just because their grandfather did,? said Schneider.

What young Jews are looking for when it comes to both involvement and philanthropy is relevance. They want to understand that they are supporting a cause that is contributing in a significant way to the greater good.

Pincus, for example, supports AJC?s ACCESS because ?AJC raises money for its own operations. They are not a disbursement fund.? It goes without saying that the primary reason Pincus supports AJC is because he believes in their work; that they are not an umbrella organization also assures him that he knows exactly where his money is going.

This leads to the next generalization about the NextGen?s giving habits: They are considerably more hands-on than their parents? generation.

?Often I hear that young people don?t want to give to establishment organizations or any kind of federated giving models ? that these are not reaching the NextGen and what we interpret there is that young people don?t want to give to collected giving models. I don?t think that is true. Young people just don?t want to give into a black hole,? said Schneider.

In terms of training the next generation of philanthropists, Rose Community Foundation has certainly seized upon a winning formula.

Every year, a cohort of teens who make up Rose Youth Foundation are given $60,000 to distribute to nonprofits within Greater Denver and Boulder.?It is up to the group to determine which organizations would benefit most from their funding (and as a result, which won?t receive funding) and since they must make grants that are primarily Jewish, they must decide what that means.

Roots & Branches Foundation for 20-and-30-somethings is similar to the teen program except that in addition to the $60,000 at their disposal, Rose Community Foundation created a $25 thousand matching pool. Members are not required to donate to the pool, but if they do, Rose will match them dollar for dollar.

?We know that 20-and 30-year-olds don?t have the same sense of obligatory giving to the Jewish world and we wanted to acknowledge that but not require it,? said Miller. ?But we had confidence that if they have meaningful experiences, their actions will be followed by philanthropy.?

And that is what came to pass.

As Indyk said, ?With Roots & Branches, even though giving is not required and it is anonymous, we wanted anyone interested in the experience to be able to participate regardless of their means.?

In the end, a whopping 90% of participants from Roots & Branches end up donating from their own pockets anywhere from $18 to $15,000, with the average being around $300. And it isn?t just the current cohort who donate, but also alumni.

?Here is where I think we as a Jewish community have a responsibility to demonstrate values first,? said Indyk. ?I don?t think that everything always needs to be free. But I think those who can afford to pay their own way or make a charitable contribution are only going to do so if they understand the value first.?

Because what has become clear to those working in the field is that giving only happens after a long process that begins with the establishing relationships.

?Roots & Branches starts by building relationships between the staff and cohort of an 18-member, diverse team who decided they are going to work together to make a difference. Once the relationships are established they have the opportunity to make a decision if they want to put their money on the table. At every step along the way they are determining. They don?t have to give their money until they see what their grant making priorities are,? said Indyk.

And what of Rose Youth Foundation? teens who aren?t contributing from their own pockets?

?I feel they are giving substantively because they are giving their time,? said Miller. ?The teens, especially, are so over programmed. They are so worried about getting into college and having a job. The 20s and 30s are raising families. So this gift of time is something we greatly value as a Jewish community. We may sometimes overlook that they are making the choice to spend time in the Jewish community and this is something we should celebrate.?

As Eisenman of JDC said, ?How do you put a dollar value on 50 thousand hours of service? This is huge. We can?t shrug off what those hours of volunteer service mean.?

Nothing shows the level of commitment more than when the Denver Broncos were in the playoffs, led by ?God?s quarterback? Tim Tebow, and Rose Youth Foundation teens still showed up for their scheduled Sunday meeting.

All of them.

?Our teenagers take this incredible responsibility seriously. True, they haven?t had to put a penny in, but by being here what they are saying is we are here because we are going to make a difference because our voices count,? said Miller.

Looking Beyond the Jewish World

How?s this for a Catch-22?

When it comes to those hard to reach young Jews, anything that smacks of Jewishness is the kiss of death. Yet, what is the organized Jewish world supposed to do ? erase its Jewishness?

If you ask the Charles and Lynn Schusterman Family Foundation, which, since 1987, has been in the business of supporting initiatives that ?empower young Jews to embrace the joy of Judaism, build inclusive Jewish communities, support the State of Israel and repair the world,? part of the answer is to think outside the Jewish box.

For the past four years, Schusterman has partnered with Teach For America ? one of the most prestigious educational organizations in the country that sends talented young people to teach in some of the most disadvantaged urban and rural school districts ? on a very unusual project: summer trips to Israel.

On the surface it might not be obvious, but scratch a little and what emerges is that a disproportionate number of Teach For America corps members are Jewish. By partnering with Teach For America and sending young educators with an interest in or affiliation with Jewish life to Israel, what Schusterman is doing is not only reaching an otherwise unreachable demographic, but showing them that their commitment to eliminating educational equality (Teach For America?s motto) is inherently Jewish.

Who knew?

?What we have done with the REALITY trips to Israel is to create an opportunity for people to explore the connection between their commitment to Teach For America, the values that drive that commitment and our millennia-old Jewish values,? said Adam Simon, Associate National Director of the Charles and Lynn Schusterman Family Foundation.

In other words, the fact that a young person chooses to spend two years teaching in a school system in which children might not even have food to eat for lunch or much of a chance of getting past the 8th grade, may very well be attributed not just to the way their parents raised them, but also to the influence of their Jewish heritage ? even if they had never felt connected to that 3,000-year-old legacy.

So what these Israel trips do is enable very talented and bright young teachers to explore the Jewish State and Jewish values through the prism of something they already hold dear: Teach for America. In keeping with this philosophy, it is Teach For America staff who really take the lead in running the 10-day trips with itineraries that include everything from climbing Masada to meeting Israeli and Arab educators and students.

Schusterman might very well be onto something. Because partnering with non-Jewish organizations might become an important ticket to NextGen engagement in the 21st century.

?It?s really powerful because we have learned that we can engage incredible leaders who previously would never have applied their leadership skills to Jewish life,? said Simon. ?We are able to enhance their connection to Jewish life and strengthen their Jewish identity while also deepening their ability to make an impact on the world at large.?

By this summer, the Schusterman-Teach For America partnership will have brought over 200 young educators to Israel with the goal of increasing the number of participants each year.

And the Israel trip is just the beginning of what Simon calls a ?suite of experiences and opportunities for people to gain Jewish and leadership skills and to create both Jewish life and social change for themselves and their friends.?

This suite includes everything from intensive trainings, reunions and even small grants (under $500) to encourage them to create their own Jewish experiences, whether it is Shabbat dinners or Hebrew lessons or even, as was the case with one REALITY alumna who used the funds to join a trip to Poland and Budapest, where she was able to explore her family history and learn about relatives who had been killed in the Holocaust.

?Our goal is not to create people dependent on us. Our goal is for them to do this on their own, to find out what they want to do with the community that they build while in Israel and after they return home,? said Simon.

Simon has great faith in this approach, so much so that he feels that even if it happens gradually, these REALITY trips will help to raise the next lay and organizational leaders of the Jewish world. If this statement seems bold, there is already unequivocal evidence showing a greater commitment and connection to Jewish life after the Israel trips with formerly disengaged alumnae doing everything from acting as consultants to Jewish organizations to running their own Passover seders (with help from Repair the World). In one case, the trip prompted a couple to have a Jewish wedding. It may seem odd to an older generation, but even though they are both Jewish, before one of them went on the Israel trip, it was not important for them to have a rabbi officiate or to make their wedding overtly Jewish. The REALITY trip changed all of that.

Beyond this, Simon believes this approach will help the next leaders of major social change movements like Teach For America be more grounded in their identity, community and values, and, therefore, more effective.

?We are not saying, ?You have to join a synagogue to be Jewish,?? said Simon. ?We are giving them the connection, bit by bit, to building Jewish lives grounded in purpose, meaning and relevancy in their own image.?

Measuring Success

With all the energy and resources devoted to courting NextGeners, how best to measure the long-term impact?

?There hasn?t been any study done yet that shows that I became member of a shul or started my own Jewish organization in a community because when I came back from Israel I saw that there were people who were specifically there to help me and cater to my interests in my Jewish community,? said Frankel of the Jewish Federation of St Louis. ?There is nothing to measure that because not enough time has passed and more importantly, I don?t know if there is really any good quantitative way to measure someone?s Jewish identity.?

In the meantime, the consensus seems to be that all the community can do today is empower NextGens to build their own future. As Miller of Rose Community Foundation put it, ?We have indoctrinated hundreds of people who now have the tools to be the problem solvers and change makers in their communities.?

But there is anecdotal evidence from across the country showing how young Jews are contributing to the organized Jewish world today in unprecedented ways.

When Hurricane Katrina stuck in 2005, AJC raised over $1 million, primarily from the older generation, in a special campaign to help rebuild New Orleans. But it was the younger generation via ACCESS, who made repeated trips to New Orleans to do much of the work on the ground.

?ACCESS played a really important role in New Orleans,? said Neuwirth. ?That combination of bringing in money and bringing in a long-term, sustained, hands-on engagement was really magical.?

ACCESS members are also forging relationships with younger political players on the world scene.

?These younger people are playing a real role in forming policy and an increasing role in global policy. And here we have younger generation playing an important role in building relationships with them. It?s very important for the future and for the present,? said Neuwirth.

What is notable is the way the younger generation goes about forging those relationships in ways that are more casual and often more personal than the previous generation. They might go out for coffee with a political leader, for example, which just wouldn?t happen with those a few decades older.

Beyond that, Neuwirth feels there is value to showcasing younger Jews to the world.

?When we do meet as a younger group with senior leaders there is a lot of value added there because it is important for foreign leaders to see that the Jewish community has a future and to show them that there are very young, articulate people committed to these issues.?

Sometimes these young, articulate people even end up working for the Jewish community, which is an interesting twist to a story that often begins with alienation and disengagement.

Take 32-year-old Melissa Hoch. As a transplant to Denver from San Francisco, she was invited to join the first cohort of Roots & Branches of Rose Community Foundation.

At the time she was doing public relations for a hospital and as a grandchild of Holocaust survivors, while she always felt connected to Judaism, she had no real connection to the organized Jewish world.

But Roots & Branches changed all of that.

?It was wonderful to meet people from a whole spectrum of Judaism and have rich discussions around grant making and funding for our demographic,? she said, ?and it was a way for me as a new person to Denver to learn the Jewish landscape of the Denver community.?

Its impact was so strong that during a site visits to an organization the cohort was considering funding, Hoch became so intrigued that she ended up joining their board for 20-and 30-somethings. She also later joined AJC?s ACCESS Colorado board and Rose Women?s Organization, a donor-advised fund of Rose Community Foundation.

If that wasn?t enough, eventually she decided she wanted to work in the Jewish world and today is on staff at the JCC in Denver. Hers is definitely a story that would make the hearts of the older generation swell with pride, but what is significant about these turn of events is that it was never Rose Community Foundation?s intention to churn out Jewish communal professionals.

That it may happen as a by-product is no doubt an added plus.

?Roots & Branches was certainly a catalyst for me,? said Hoch. ?Because of this experience my perspective on grant making and Jewish organizations is forever changed. I will always make it a commitment and part of my life to be part of the Jewish community.?

Source: http://ejewishphilanthropy.com/money-makes-the-world-go-round-2/

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Barnes helps No. 8 UNC rally past Miami 73-64

North Carolina's John Henson (31) dunks over Miami's Raphael Akpejiori (10) during the first half of an NCAA college basketball game, Wednesday, Feb. 15, 2012, in Coral Gables, Fla. (AP Photo/Lynne Sladky)

North Carolina's John Henson (31) dunks over Miami's Raphael Akpejiori (10) during the first half of an NCAA college basketball game, Wednesday, Feb. 15, 2012, in Coral Gables, Fla. (AP Photo/Lynne Sladky)

North Carolina's James Michael McAdoo (43) looks to pass as Miami's DeQuan Jones (5) defends during the first half of an NCAA college basketball game, Wednesday, Feb. 15, 2012, in Coral Gables, Fla. (AP Photo/Lynne Sladky)

North Carolina head coach Roy Williams yells during the first half of an NCAA college basketball game against Miami, Wednesday, Feb. 15, 2012, in Coral Gables, Fla. (AP Photo/Lynne Sladky)

Miami's Durand Scott, right, drives to the basket as North Carolina's Kendall Marshall (5) defends during the first half of an NCAA college basketball game, Wednesday, Feb. 15, 2012, in Coral Gables, Fla. (AP Photo/Lynne Sladky)

North Carolina's Tyler Zeller, left, shoots as Miami's Kenny Kadji (35) defends during the first half of an NCAA college basketball game, Wednesday, Feb. 15, 2012, in Coral Gables, Fla. (AP Photo/Lynne Sladky)

CORAL GABLES, Fla. (AP) ? The North Carolina Tar Heels lead the nation in scoring and rebounding. They showed Miami they can be good on defense, too.

Sputtering on offense and evenly matched on the boards, No. 8 North Carolina used smothering defense to erase an eight-point deficit in the second half and beat Miami 73-64 Wednesday night.

The Tar Heels, who came in averaging 83.5 points, shot only 38 percent and went 5 for 18 from 3-point range. But they forced turnovers on four consecutive possessions in the second half to get back in the game, and held Miami without a point for nearly five minutes down the stretch.

"Defensively we can be a very good team," said center Tyler Zeller, who was held to nine points but made three steals. "We can win games in the 50s and 60s. And when we start making shots, hopefully we can win by a bigger margin."

North Carolina (22-4, 9-2 Atlantic Coast Conference) took a half-game lead over Duke and Florida State atop the league standings.

"It was one of those wins you have to have to have a fantastic year," coach Roy Williams said. "It was a tough win, it was an ugly win in some ways. To be able to grit it out defensively ? we did some better things there. That's a huge benefit to win games when you play ugly."

Miami (15-9, 6-5) lost to the Tar Heels for the 18th time in their 20 meetings, including two defeats this year.

"We played a very solid first half," Hurricanes coach Jim Larranaga said. "But we never played great, and what we're looking for is for this team to become a great team."

Durand Scott scored 15 points for Miami, and Kenny Kadji added 13 points and seven rebounds. But Malcolm Grant's shooting slump continued, and he finished 1 for 6 and scored three points, nine below his average.

Harrison Barnes led North Carolina with 23 points, including a trio of 3-pointers in the final 16 minutes. John Henson had 14 points, 11 rebounds and three blocks for the Tar Heels, who beat Miami for the 10th time in a row.

Zeller was held seven points below his average and shot 4 for 13. Kendall Marshall went 0 for 6, and while the Tar Heels came up with some key offensive rebounds, they edged Miami by only six on the boards.

But they outscored the Hurricanes 14-6 off turnovers.

"When the shots aren't falling, you've got to bring something else to the table," guard Reggie Bullock said. "Hopefully the shots start falling."

In three of their past four wins, the Tar Heels have shot under 40 percent.

The Tar Heels sank only five 3-pointers, all in the final 16 minutes. They fell behind 44-36, then used defense to rally.

Turnovers by Miami helped North Carolina score eight consecutive points and make it 44-all. Barnes' 3-pointer moments later gave the Tar Heels their first lead since early in the opening half.

Another 3-pointer by Barnes put North Carolina ahead by five for the first time, 58-53.

Kadji's 3-pointer for the Hurricanes cut the margin to 63-58 with 6:10 left, but they then went cold. Bullock's 3-pointer put the Tar Heels up 67-58, and they sank four of six free throws in the final minute to sew up the win.

Fan chants of "Aus-tin Ri-vers" down the stretch failed to rattle the Tar Heels. Rivers hit a 3-point buzzer-beater last week to cap a furious rally and help Duke beat North Carolina.

"I'm happy we were able to come into a hostile environment and play well in the second half," Marshall said.

The near-capacity crowd of 7,071 was Miami's largest at home this season. Larranaga and his players visited campus dorms Monday, passed out chicken wings and T-shirts and encouraged students to attend the game.

"It was a missed chance for us to make the next step," Hurricanes center Reggie Johnson said. "The crowd was good. I like that a lot. But we came up short in the end."

Aside from Barnes' 9 for 19, North Carolina shot 35 percent.

"I really do believe we're good shooters. We just don't show it during the game," Williams said. "When we start making some shots, we're going to be a really good team."

Three-pointers by Scott, Trey McKinney Jones and Grant helped Miami build its biggest lead at 31-22. The deficit matched the largest erased by North Carolina in a win this season.

Tar Heels reserve guard P.J. Hairston returned after missing one game with a sore left foot. He played eight minutes and scored four points.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/347875155d53465d95cec892aeb06419/Article_2012-02-15-T25-NCarolina-Miami/id-e8d65d74afe84a73afc5386b2471915f

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Moody's warns may downgrade 17 global banks, securities firms (Reuters)

(Reuters) ? Moody's warned on Thursday it may cut the credit ratings of 17 global and 114 European financial institutions in another sign that the impact of the euro zone government debt crisis is spreading throughout the global financial system.

The U.S. rating agency said its action on financial institutions from 16 European nations reflected the impact of the debt crisis and deteriorating creditworthiness of its governments.

It cited more fragile funding conditions, increased regulatory burdens and a tougher economic environment for its review of banks and securities firms with global reach.

Moody's salvo follows rounds of downgrades in European sovereign ratings as the euro zone's struggle to keep its weakest link Greece afloat has been driving up borrowing costs and straining finances of other nations.

Last Monday, Moody's cut the ratings of six European nations including Italy, Spain and Portugal and warned it could strip France, Britain and Austria of their top-level AAA grade.

Last month, Standard & Poor's cut France's and Austria's top ratings and downgraded seven other euro zone nations. It also cut the euro zone's bailout fund by one notch.

Moody's said it was reviewing the long-term ratings and standalone credit assessments of Bank of America (BAC.N), Citigroup (C.N), Goldman Sachs (GS.N), JPMorgan Chase (JPM.N), Morgan Stanley (MS.N) and Royal Bank of Canada (RY.TO).

The long-term ratings and standalone credit review of European banks includes Barclays (BARC.L), BNP Paribas (BNPP.PA), Credit Agricole (CAGR.PA), Deutsche Bank (DBKGn.DE), HSBC (HSBA.L), Royal Bank of Scotland (RBS.L) and Societe Generale (SOGN.PA).

Moody's said it was also extending the reviews of the long-term ratings and standalone credit assessments of Credit Suisse (CSGN.VX), Macquarie (MQG.AX), Nomura (8604.T) and UBS

(UBSN.VX) (UBS.N).

"Capital markets firms are confronting evolving challenges, such as more fragile funding conditions, wider credit spreads, increased regulatory burdens and more difficult operating conditions," Moody's said in a statement.

As a result, the longer-term profitability and growth prospects of the institutions under review had diminished.

In its review of European banks, Moody's said that once it is completed, the ratings will "fully reflect the currently foreseen adverse credit drivers."

European banks' bond holdings of struggling euro zone nations Greece, Portugal, Ireland, Spain and Italy have trapped Europe in a vicious circle.

The falling value of the debt puts pressure on banks, which in turn weighs on lending and economic activity, making it tougher to sustain the growth that governments badly need to shore up their finances.

European Union leaders have been trying to put a financial "firewall" around the most afflicted nations, but jittery market sentiment suffered a fresh setback on Wednesday when several EU sources told Reuters that the euro zone was considering a delay in parts of a second bailout plan for Greece.

Moody's said that for 99 European financial institutions, the standalone credit assessments have been placed on review for downgrade. For 109 institutions, the long-term debt and deposit ratings have been placed on review for downgrade.

For 66 institutions, the short-term ratings have been placed on review for downgrade.

(Additional reporting by Wayne Cole in Sydney: Writing by Tomasz Janowski; Editing by Neil Fullick)

Source: http://us.rd.yahoo.com/dailynews/rss/business/*http%3A//news.yahoo.com/s/nm/20120216/bs_nm/us_moodys_europe

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Founders Launch Non-Profit Business Training

Biz Owners Ed

After creating numerous successful businesses, the founders of Track What Matters, LLC have committed substantial resources to the founding of Biz Owners Ed, Inc.? The purpose of non-profit corporation is to train entrepreneurs of small companies giving them the opportunity to grow their business with the credible influence of successful entrepreneurs who have built successful companies.? Biz Owners Ed formalizes the work this group of mentors do on a regular basis.

The Biz Owners Ed program is free to participants and funded by mentors.? This 10-week ?bootcamp? program gives participants instruction in marketing, sales, negotiations, contract structuring, and merger and acquisitions.

Interested business owners can learn more at bizownersed.org

Learn about the mentors on their website.

Source: http://www.trackwhatmatters.com/bizownersed

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Video: Phil Gramm: President's Budget Proposal is Detached from ...

Are Americans better off now, than they were four years ago? Phil Gramm, (R) fmr. Texas Senator, and U.S. Policy Metrics senior partner, discusses President Obama's tax and budget policies.

Related Links:

Business & financial news headlines from msnbc.com

Top of page

Source: http://video.msnbc.msn.com/cnbc/46390577/

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Perfect For A Lonely Valentine?s Day: Behold The Pinterest Porn Clones (NSFW)

I was debating with myself whether this should be a post or not, and then decided I should just ask out loud on Twitter if it was a good idea or not. Because three people immediately told me that it was (two of those people were smart, attractive women, I might add), and because TechCrunch founder and former fearless leader Michael Arrington has a long history of identifying porn clones, you are now reading this (NSFW!): Snatchly is a 'Pinterest for porn'.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/Ap0Vcu_LyPA/

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