Wednesday, September 26, 2012

Myuniverse -Online Tool for Personal Financial Management

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myuniverse

Personal financial management begins with the management of cash flow. It is good to have financial goals and plans in place but it may not work if our monthly expense exceeds our income. So it is essential to keep track of money & take appropriate action time to time to keep cash flow in order. Managing finance also includes keeping track of existing investment and planning for future.

Many people try to track cash flow manually by doing paperwork or to maintain spreadsheet is sometime tedious and time consuming?activity. To help you in managing your finance in better manner Aditya Birla?has launched online tool for personal financial management called as Myuniverse.

Looking at first instance it seems to be copy of similar tool mint.com available for the people of USA and Canada. Mint.com is free tool but Myuniverse?is paid product costing 500 Rs/- per year.Currently company is offering 30 days free subscription for this product.

Let?s check out some features provided by MyUniverse for helping you in managing your finance. MyUniverse?allows users to get a sense of their expenditure and track the area where they are spending the most.

Consolidated view of your Finance:-

MyUniverse?aggregate your data and give you a comprehensive picture of your financial status, you can browse through credit card bills, debit card expenses, loans, mutual funds, FDs, or just about any other financial instrument. This unique feature enables you to understand your financial health and empowers you to make better decisions. So you can plan for a better tomorrow.

You can also add your physical assets such as gold and jewelry, real estate and offline investments to the list. MyUniverse?allows you to not only consolidate all your offline investments but also enables you to track their performance. This unique feature allows you to know your true total networth on any given day.

Analysis & Advice:-

Apart from analysis of your income, expense and investment you can get customized advice from MyUniverse?as it gathers information about all your investments, their performance, your risk profile and your cash flow. Based on a unique advisory rules engine, the system automatically generates advice which is unbiased and specific to your financial profile.?

Pay Bills:-

MyUniverse?can organize your bills at one place. You can add your bills through a few clicks and track them easily. This easy-to-use and convenient feature allows you to pay your bills with simple transactions on one screen.

Tax Planning:-

You can now find out how much tax you need to pay and how much you can save. You will get complete information on how to optimize your tax liabilities and suggestions on where to invest that well-saved money.

I have tried exploring this product by taking demo and it works fine. It captures all minute details of your finances and arranged it in user friendly format. Linking with external accounts for data gathering is excellent. It?s worth looking at MyUniverse?product once. It is even safe as MyUniverse?uses VeriSign?s robust SSL encryption technology to secure your data. Your account data is stored and transmitted in an encrypted format at all times.

Overall Myuniverse is good Tool for Personal Financial Management

Recommended Articles:-

Financial Planning Tips for Couples

Myuniverse Online Tool for Personal Financial Management, 9.0 out of 10 based on 1 rating Related Posts Plugin for WordPress, Blogger...

Source: http://strategic-growth.in/finance/index.php/myuniverse-personal-financial-management/

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Tuesday, September 25, 2012

Corporate Partner Spotlight: Charles Schwab | Daniels NetWorth

Charles Schwab & Co, Inc. is a Daniels Corporate Partner, and has long supported Daniels students through collaborative projects, sponsorship of the Daniels Inclusive Excellence Case Competition and in other ways.

In spring 2012, Charles Schwab had a project that needed creative thinking and a fresh perspective and turned to the Daniels Consulting Firm (DCF), the consulting arm of the Daniels Strategy and Consulting Group. DCF is a student-run organization that strives to prepare its members for success in the business consulting industry.

?We value the insights that the Daniels Consulting team brought to one of our recent marketing projects,? said JP Snow, VP, client experience, who was part of the Charles Schwab team that worked with DCF. ?They were able to quickly understand the key issue. Then they delivered exactly what you expect from a consulting engagement: outside perspective that is still relevant and practical. We?re using their product as we develop the next steps in our business plan.?

Jessica Gu (MBA 2012), past president of DCF?who worked on the project and was recently hired by Charles Schwab?says that the DCF-Schwab project dramatically enhanced students? skill sets and understanding of the business world. ?Throughout a 10-week project, we worked closely with our client to help them solve the business problem they faced,? Gu said. ?We increased our business acumen and are better prepared for career-growth opportunities. I really appreciate Charles Schwab, DCF and the Daniels College of Business for giving me this great opportunity.?

?Working with Schwab was a fabulous test of the skills we acquired in the Daniels MBA program,? said Emalee Sugano (MBA 2012, BA 2010), the DCF project manager for the Charles Schwab project. ?The client was wonderful, gave helpful feedback along the way and was open to our final recommendations. This was one of the biggest projects DCF has tackled thus far, and we hope for continued challenges like this in the future.?

Source: http://www.danielsnetworth.org/2012/09/25/corporate-partner-spotlight-charles-schwab/

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APNewsBreak: Ex-Ala. prof convinced to take plea

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Monday, September 24, 2012

Iran lawmaker accuses IAEA of passing nuclear secrets to Israel

DUBAI (Reuters) - A senior Iranian lawmaker accused the head of the United Nations' nuclear watchdog on Sunday of passing confidential information about Iran's nuclear activities to Israel.

In the latest sign of strained relations with the International Atomic Energy Agency, Javad Jahangirzadeh, a member of parliament's presiding board, said IAEA chief Yukiya Amano would be to blame if Iran reduced its ties with the body.

"Amano's repeated trips to Tel Aviv and asking the Israeli officials' views about Iran's nuclear activities indicates that Iran's nuclear information has been disclosed to the Zionist regime (Israel) and other enemies of the Islamic Republic," Jahangirzadeh was quoted as saying by Iran's English-language Press TV.

"If the agency's actions lead to Iran cutting cooperation with this international body, all responsibility will be with the IAEA director general," said Jahangirzadeh, a member of parliament's national security and foreign policy committee.

The IAEA was not immediately available to comment on his allegation.

Last week, Iranian nuclear energy chief Fereydoun Abbasi-Davani said "terrorists" might have infiltrated the Vienna-based agency. He suggested the IAEA included too much sensitive information about Iran's nuclear program in its reports that he said could be used by saboteurs.

Western diplomats dismissed his allegations as an attempt to distract attention away from the agency's bid to gain access to a site in Iran it suspects was used for nuclear weapons research, something Tehran denies.

Iran blames Israel and its Western allies for the assassination of nuclear scientists in Iran, including an unsuccessful attempt on Abbasi-Davani in November 2010. It also blames those countries for computer viruses that appeared designed to damage its nuclear machinery.

The 35-nation board of the agency censured Iran earlier this month for defying international demands to curb uranium enrichment and failing to address mounting disquiet about its suspected research into atomic bombs.

The resolution prompted Iran's Parliament Speaker, Ali Larijani, to cast doubt on the benefit of Iran's membership in the Nuclear Non-Proliferation Treaty (NPT), the Tehran Times reported.

The commander of Iran's Revolutionary Guards, Mohammad Ali Jafari, told a news conference last week that Tehran would withdraw from the NPT if attacked by Israel which has increased hints it may launch air strikes on Iran's nuclear sites.

Iran's parliament does not decide matters of foreign policy and national security, which are the province of Supreme Leader Ayatollah Ali Khamenei.

(Reporting By Yeganeh Torbati, additional reporting by Fredrik Dahl in Vienna; Editing by Robin Pomeroy)

Source: http://news.yahoo.com/iran-lawmaker-accuses-iaea-passing-nuclear-secrets-israel-112455675.html

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Data Centers Waste a Ridiculously Massive Amount of Energy [Data Centers]

There is a lot of data out there, and more is being created every day. It takes a lot of resources to keep it around, and make sure that you and everyone else can access what they want, when they want, with minimal downtime. Naturally this takes a lot of energy, but the New York Times looked into exactly how much. It's a ridiculous amount. More »


Source: http://feeds.gawker.com/~r/gizmodo/full/~3/Q_Orzy8vrww/data-centers-waste-a-ridiculously-massive-amount-of-energy

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adamlaiacano: My Italian heritage is never a prevalent as when I'm giving wedding presents #EnvelopeFullOfCash

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Source: http://twitter.com/adamlaiacano/statuses/249609829180641281

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Waiting for Emily: Rome family awaits arrival of new daughter from Africa

by Severo Avila, Features Editor Rn T.Com

The Gentrys, Andrew, Sara and their daughters Alexis and Kaitlyn posed for photos by Kayla Waters of Still Waters Photography with a sign reading ?Waiting for You? in anticipation of the new addition to their family. Emily?s native country, The Democratic Republic of the Congo, is a war-torn nation in central Africa. Orphanage staff know Emily was found abandoned in a market in the capital, Kinshasa, and estimate she is two-and-a-half years old. Not much more is known about her past.

The Gentrys, Andrew, Sara and their daughters Alexis and Kaitlyn posed for photos by Kayla Waters of Still Waters Photography with a sign reading ?Waiting for You? in anticipation of the new addition to their family. Emily?s native country, The Democratic Republic of the Congo, is a war-torn nation in central Africa. Orphanage staff know Emily was found abandoned in a market in the capital, Kinshasa, and estimate she is two-and-a-half years old. Not much more is known about her past.

slideshow In one month, Sara and Andrew Gentry hope to bring home a daughter to complete their family. But unlike most new arrivals, little Emily won?t come home from the hospital wrapped in a soft blanket. She is two-and-a-half years old and will have seen more poverty and violence than many Rome residents can imagine.

The Gentrys ? already the biological parents of two little girls ? are adopting Emily from Africa. More specifically, from the Democratic Republic of the Congo.

?We started discussing adoption about two years ago,? Andrew said. ?We wanted a third child. At church we heard about adoption and started looking into it and doing research.?

The couple didn?t want an infant. They wanted a child that was a bit older. They considered adopting within the U.S. after much research, but soon realized that there were children in other parts of the world who were desperately in need of homes.

?There are children in many countries who should never have to experience what they do,? Sara said.

As they researched the adoption requirements and restrictions for various countries, the list of possible nations thinned until they focused on Africa.

?We really looked at the needs of the country,? Sara said. ?The mortality rate in Africa is so high, especially in the Congo. We thought the need was greatest there.?

Through various networks of friends and associates, the Gentrys were put in contact with an adoption facilitator, a director of an orphanage in the Congo.

The?Democratic Republic of the Congo?is located in central Africa. It is the second largest?country in Africa?by area and the eleventh largest in the world. With a population of over 71 million, the DRC is the nineteenth most populous nation in the world and the fourth most populous nation in Africa.

Armed conflict has devastated the nation?s economy over the past few years and the country is known for the prevalence of rape and sexual violence.

It was into this world that little Emily was born.

?We don?t know much about her past,? Sara said. ?The orphanage estimates that she is two-and-a-half years old. She was abandoned in a marketplace in Kinshasa. That?s where she was found.?

The Gentrys were sent photographs of the little girl (who they will name Emily), and what little information is known about her. They have undergone adoption training and have exhausted online resources. Through Facebook, Sara has been communicating with other families who have adopted children from Africa, and is even in contact with a family who will adopt a child from the very same orphanage as Emily.

But adopting internationally isn?t an easy thing to do. There are stacks of paperwork to submit and fees to pay. The Gentrys were approved to adopt Emily earlier this month but must now wait an extra 30 days. This waiting period is designed so the orphanage has one last chance to attempt to find Emily?s biological family. If they cannot, then Sara and Andrew will fly to Africa to bring her home.

?We?re excited but also anxious,? Andrew said. ?We know this will be a scary experience for her, but we?ll try our best to make her feel safe and loved. She knows no English. She may know French and Lingala (a Bantu language spoken in parts of the DRC). But hopefully she?ll understand that we?d like her to be a part of our family.?

The Gentrys have had to pay so much money in adoption and travel expenses that Sara is hosting a Craft Fair at Pal?s Coffee + Company at Mount Berry Square mall on Oct. 13 from 10 a.m. to 2 p.m.

Local vendors and crafters will be displaying and selling items such as hand-made hairbows, bags, beaded jewelry and monogramming, while area residents are free to browse and shop. There will also be a raffle. There are still spots open for table rentals for those interested in displaying and selling their crafts. Email saragentry@gmail.com or call 404-435-0348 for additional information.

Sara and Andrew, as well as their daughters, are preparing for Emily?s arrival. They receive photos and updates regularly and said they feel like she?s already a member of the family. They even have her room decorated in anticipation of her arrival.

?I know it?s not going to be easy,? Andrew said. ?I?m sure there will be obstacles. But I hope that as soon as she meets us and starts becoming comfortable with us she?ll see that we love her and we?re permanent. We won?t abandon her. She?s a part of our family.?

Source: http://rn-t.com/bookmark/20230848

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Sunday, September 23, 2012

USC vs California Where and When to Watch, Betting Odds, Prediction, and Preview for Saturday?s College Football Game

USC failed to score in the second half at Stanford Stadium, and the Cardinal pulled off the hard-fought victory, 21-14. USC?s offensive line had a particularly poor game as quarterback Matt Barkley was often hurried or sacked, and the running game only rushed for 26 total yards.

Barkley failed to throw a touchdown pass and completed just 20 of his 41 throws in a game that hurt his chances of winning the Heisman Trophy.

The Trojans began the season as the top-ranked school in the nation, and the loss to Stanford may have ended their chances of going to the National Championship.

The Golden Bears have just one win in three games, but gave No. 12 Ohio State a tough game in Columbus on Saturday despite coming up short, 35-28. The Bears tied the Buckeyes in the fourth quarter, but a late surge by Ohio State sealed the victory for Urban Meyer?s squad.

Cal received an excellent game from running back Brendan Bigelow. The sophomore rushed for 160 yards on four carries, which included an 81-yard and 59-yard touchdown run.

The featured back remains Isi Sofele, who has been solid this season. The senior rushed for 1,322 yards in 2011, and is averaging 4.7 yards a game this season.

Zach Maynard is also off to a strong start. The senior quarterback has completed two-thirds of his passes and has only two interceptions.

Cal?s defense may have their hands full against USC. The Trojans are expected to rebound from a poor effort against Stanford, and Cal has given up an average of 32.3 points per game this season.

?There?s no doubt in my mind we?re gonna get their best effort,? said Cal head coach Jeff Tedford.

The game starts a 6pm ET, and can be viewed on the Pac-12 Network.

LINE: USC is favored by 16 points; Over/Under: 58 points

PREDICTION: Cal is better than their 1-2 record, and should give USC a better test than many expect. While the Trojans are expected to play hard following their loss to Stanford, expect USC to win but give up points to a solid Cal offense.

PREDICTED SCORE: USC over Cal 35-23

Source: http://www.ibtimes.com/usc-vs-california-where-and-when-watch-betting-odds-prediction-and-preview-saturday%E2%80%99s-college-794619

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Saturday, September 22, 2012

#4: Peachtree Audio Decco 65 Stereo Integrated Amplifier (Cherry ...

Peachtree Audio Decco 65 Stereo Integrated Amplifier (Cherry) by Peachtree Date first available at Amazon.com: September 5, 2012 Buy new: $1,019.00 2 used & new from $1,019.00 (Visit the Hot New Releases in Receivers & Amplifiers list for authoritative information on this product?s current rank.)

Cheapest Price On: #4: Peachtree Audio Decco 65 Stereo Integrated Amplifier (Cherry)
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Source: http://www.wiki-products.com/4-peachtree-audio-decco-65-stereo-integrated-amplifier-cherry/

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Friday, September 21, 2012

Watch: MD Anderson Cancer Center Plans 'Moon Shot' for Cures

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Video: Pres. Clinton sits down with Bob at WH in '97 (cbsnews)

Share With Friends: Share on FacebookTweet ThisPost to Google-BuzzSend on GmailPost to Linked-InSubscribe to This Feed | Rss To Twitter | Politics - Top Stories Stories, RSS and RSS Feed via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/249914663?client_source=feed&format=rss

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Meritocracy Vs. Diversity Impasse Stalls Last Hope For Immediate Immigration Reform

Green cardA Republican immigration reform bill to grant more visas to high-skilled immigrants is facing an uphill battle?in Congress. The proposed bill, The STEM Jobs Act, trades the 55,000 visas allotted under the Diversity Immigrant Visa program to underrepresented nations, especially Africa, and reallocates them to foreign-born students with American graduate degrees in science, technology, engineering, and math. House Democrats, led by California Congresswoman Zoe Lofgren, have offered their own high-skilled alternative, which notably keeps the diversity program. The predictable partisan division, which will likely prevent any meaningful immigration reform before next year, underscores a fundamental debate between those who prioritize diversity over fast-tracking, high-skilled immigrants.

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

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D'oh! Homer Simpson votes for president

FOX

Homer Simpsons heads to the voting booth.

By Anna Chan, TODAY

Homer Simpson is doing his civic duty once again this election season. In a new "Simpsons" short released on YouTube Wednesday, the doughnut-loving goofball heads to the polls to decide whether to vote for Barack Obama or Mitt Romney ... and he's not too pleased with having to do so.

"Why do we have to choose our leaders?" he gripes. "Isn't that what we have the Supreme Court for?"

Oh, snap!

The digs about politics and the elections keep on coming after that, with references to new voter ID laws, health care reform, religion and more.

Homer also targets Obama and Romney with his insightful observations.

"He promised me death panels and Grandpa's still alive!" he complains of the president.?

As for Romney, "I hear he wears magic underpants," Homer says suspiciously.

But after some serious consideration, he does finally cast his vote ... and instantly regrets his choice. Check it out:

This isn't the first time Homer has performed?his civic duty. In 2008's "Treehouse of Horror" episode, he tried to cast his vote for Obama ... with deadly results.

Season 24 of "The Simpsons" premieres on Sept. 30 at 8 p.m. on Fox.

What do you think of "The Simpsons" jokes about the current state of U.S. politics? Share your thoughts on our Facebook page.

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Source: http://theclicker.today.com/_news/2012/09/20/13991281-homer-simpson-casts-his-vote-for-president?lite

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Thursday, September 20, 2012

Romney Uses His Mexican-Born Dad's Welfare Story at 'Juntos con Romney' Rally

MIAMI - Mitt Romney called the Republican Party the "natural home" for Hispanic voters, saying, in his first campaign rally in nearly five days, that America is a place that helps those struggling get back on their feet but won't make government dependency a "permanent lifestyle."

"This party is the natural home for Hispanic Americans," Romney said to cheers at a "Juntos con Romney" rally. It was Romney's first campaign event since leaked videos emerged of him speaking at a private fundraiser in May where he appeared to criticize 47 percent of Americans for considering themselves "victims" who feel "entitled" to government assistance.

Speaking through various interruptions, one protestor, getting no further than screaming "The 47 percent!," a reference to those leaked videos, Romney tried to paint a picture of a presidency that would do the best job of pulling Hispanics out of poverty.

To do that, Romney used the story of his own Mexican-born father as an example of someone who received government assistance but then made it on his own.

"I mentioned my dad, my dad was born in Mexico of Americans parents living there. At age 5 or 6 there was revolution," Romney said. "They came back to the United States, and my dad had to get help, financial help, the government helped his family be able to get on their feet again. By the way, that's the way America works, we have great hearts, we care for people who have needs. We help get them back. We help lift them up but then they go back to their permanent lifestyle."

"We get them on their feet, and they build a brighter future," he said.

To further what he said was a "stark" choice between himself and the president, Romney continued to draw on old comments made by then-Sen. Barack Obama in which he spoke in favor of "redistribution."

"We have a president who's been putting in place a political and economic program that a lot of us don't recognize," said Romney. "We haven't seen anything like this in America before. He said, he said some years ago something which we're hearing about today on the Internet. He said he believes in redistribution, all right? There are people who believe that you can create a stronger economy and a brighter future if you take from some people and give to other people."

"Now listen," he continued, "other places that have tried that haven't done so well. That is not a philosophy that's ever been tried here. We're not going to have it here. We're going to get America back to having free people pursuing their dreams in a free country."

Just days after acknowledging his own comments at the fundraiser could have been stated more "elegantly," Romney gave a nod to Obama's eloquent speaking voice, but said it won't help him win another term.

"He's eloquent, he can describe his vision for the future," said Romney. "But we have his record and his record speaks louder than his voice will ever speak."

This was Romney's first campaign event since last Friday, when he held a rally in the battleground state of Ohio. He had scheduled an event in Colorado for over the weekend but it was canceled after an experimental airplane crashed at the airport where the event was slated to be held. While Romney appeared at the Univision forum earlier today and gave a speech to the U.S. Hispanic Chamber of Commerce earlier this week, this was the first event organized by his campaign.

Also Read

Source: http://news.yahoo.com/romney-uses-mexican-born-dads-welfare-story-juntos-020859809--abc-news-politics.html

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Wednesday, September 19, 2012

Colombia's Santos faces tougher peace talks: Pastrana

BOGOTA (Reuters) - The last Colombian president to negotiate with Marxist rebels says current leader Juan Manuel Santos will face an even tougher time in new talks because of opposition from the far right and doubts about whether rebel leaders are united.

Andres Pastrana led the last attempt at peace more than a decade ago, but those talks collapsed and they were seen as having helped the Revolutionary Armed Forces of Colombia, or FARC, build up their fighting forces.

Half-way through his four-year term, Santos is staking his reputation and political future on a new round of peace talks set to start in October with the drug-funded FARC rebels, who took up arms almost 50 years ago in a conflict that has killed tens of thousands.

Pastrana is warning that possible divisions inside the FARC could make it a lot more difficult to reach a peace deal.

"Are the FARC united? Are all the (FARC divisions) in the negotiation?," Pastrana asked rhetorically in an interview late on Tuesday with Reuters at his office.

"During our negotiation, one knew that when (FARC founder Manuel) Marulanda was there and took a decision, it was monolithic. Today, are these decisions monolithic or is there a front that wants to continue drug trafficking or that doesn't want to enter into a peace process? That is the doubt."

Pastrana's negotiations from 1999 to 2002 gave rebels a demilitarized area the size of Switzerland, but further talks collapsed after guerrillas hijacked an airplane.

The failure paved the way for conservative Alvaro Uribe to take over the presidency with a clear mandate to crack down on the FARC.

A decade of Uribe's U.S.-backed offensive more than halved the guerrilla army's ranks and pushed it back to remote jungle and mountain hide-outs.

Down but not out, the FARC increased its attacks in the last two years of Uribe's government and has continued to harass government forces since Santos took office.

Elected in a landslide in 2010 promising to keep up Uribe's tough stance, Santos has seen his approval ratings drop, with many Colombians believing that the security gains during Uribe's presidency have been reversed.

While most Colombians approve of peace talks set to start in Norway next month and then move to Cuba, polls show that more than half would oppose any deal allowing FARC leaders to participate in politics or giving them an amnesty for crimes committed in the conflict - likely to be two key issues in negotiations.

Uribe has become the most vocal critic of Santos on security policy, saying he has been too soft on the FARC and will be negotiating from a position of weakness.

According to a poll by Ipsos Napoleon Franco published this week, 54 percent of Colombians do not want to see Santos re-elected in 2014.

THE FORCES ARRAYED AGAINST PEACE TALKS

Pastrana questioned why the FARC rebels did not include anyone on their negotiating team from the "Southern Block", which is the most powerful of its regional divisions and has the strongest links to drug trafficking.

"It does raise questions that people like (FARC secretariat member and Southern Block commander) Joaquin Gomez aren't at the table, a guy who maintains military control. And Joaquin Gomez is where the heart of drug trafficking is," Pastrana said.

The FARC negotiating team is widely seen as coming more from its political wing. Only one known member of its ruling seven-member secretariat is expected to participate in the talks.

Santos promises his government has learned from the mistakes of previous leaders who tried but failed to clinch a lasting deal, and he has been cautious when talking about the possible success of the discussions.

Santos' government and the FARC have set an agenda for talks that includes the rights of victims, land ownership in rural areas and cocaine production and smuggling.

Pastrana said that Santos would go up against the ultra-right in trying to carry out reforms, specifically new criminal gangs that emerged out of the demobilization of right-wing paramilitaries between 2003 and 2006.

The gangs are less ideological than their paramilitary predecessors and more interested in protecting their criminal enterprises, though still heavily linked to the far-right.

A key Santos reform and a demand by the FARC - giving stolen land back to displaced peasants - has already run into heavy resistance in former paramilitary areas, meaning that any future land reform that could emanate from the talks would face resistance.

Pastrana said the country was more divided now than it was when he tried negotiations.

"They elected me to make peace ... 100 percent of the country joined me. They elected Uribe to make war and 100 percent of the country supported him," he said. "Today, (Santos) is going to have a division within the country, and that is not going to be good for the president."

(Writing by Jack Kimball; Editing by Kieran Murray and Philip Barbara)

Source: http://news.yahoo.com/colombias-santos-faces-tougher-peace-talks-pastrana-171156819.html

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Tuesday, September 18, 2012

Obesity More Likely in Rural Than in Urban Areas

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Older drivers face confusing array of license laws

WASHINGTON (AP) ? Jerry Wiseman notices it's harder to turn and check his car's blind spots at age 69 than it was at 50. So the Illinois man and his wife took a refresher driving course, hunting tips to stay safe behind the wheel for many more years ? a good idea considering their state has arguably the nation's toughest older-driver laws.

More older drivers are on the road than ever before, and an Associated Press review found they face a hodgepodge of state licensing rules that reflect scientific uncertainty and public angst over a growing question: How can we tell if it's time to give up the keys?

Thirty states plus the District of Columbia have some sort of older-age requirement for driver's licenses, ranging from more vision testing to making seniors renew their licenses more frequently than younger people. At what age? That's literally all over the map. Maryland starts eye exams at 40. Shorter license renewals kick in anywhere from age 59 in Georgia to 85 in Texas.

The issue attracted new attention when a 100-year-old driver backed over a group of schoolchildren in Los Angeles late last month. That's a rarity, but with an imminent surge in senior drivers, the federal government is proposing that all states take steps to address what the National Highway Traffic Safety Administration calls "the real and growing problem of older driver safety."

Here's the conundrum: "Birthdays don't kill. Health conditions do," said Joseph Coughlin, head of the Massachusetts Institute of Technology's AgeLab, which develops technologies to help older people stay active.

Healthy older drivers aren't necessarily less safe than younger ones, Coughlin points out. But many older people have health issues that can impair driving, from arthritis to dementia, from slower reflexes to the use of multiple medications. There's no easy screening tool that licensing authorities can use to spot people with subtle health risks. So some states use birthdays as a proxy for more scrutiny instead.

Senior driving is a more complicated issue than headline-grabbing tragedies might suggest. Older drivers don't crash as often as younger ones. But they also drive less. About 60 percent of seniors voluntarily cut back, avoiding nighttime driving or interstates or bad weather, said David Eby of the University of Michigan's Center for Advancing Safe Transportation throughout the Lifespan.

Measure by miles driven, however, and the crash rate of older drivers begins to climb in the 70s, with a sharper jump at age 80, according to the Insurance Institute for Highway Safety. Only teens and 20-somethings do worse.

That rising risk reflects the challenge for families as they try to help older loved ones stay safe but still get around for as long as possible, which itself is important for health.

The good news: Fatal crashes involving seniors have dropped over the past decade, perhaps because cars and roads are safer or they're staying a bit healthier, said the Insurance Institute's Anne McCartt.

Yet the oldest drivers, those 85 and up, still have the highest rate of deadly crashes per mile, even more than teens. More often than not, they're the victims, largely because they're too frail to survive their injuries.

And seniors are about to transform the nation's roadways. Today, nearly 34 million drivers are 65 or older. By 2030, federal estimates show there will be about 57 million ? making up about a quarter of all licensed drivers. The baby boomers in particular are expected to hang onto their licenses longer, and drive more miles, than previous generations.

Specialists say more seniors need to be planning ahead like Jerry Wiseman and his wife Sandy.

"Absolutely we want to be as good drivers as we can possibly be for as long as we can," said Wiseman, of Schaumburg, Ill.

At an AARP course, Wiseman learned exercises to improve his flexibility for checking those blind spots. He takes extra care with left-hand turns, which become riskier as the ability to judge speed and distance wanes with age. He knows to watch for other changes.

"We'll be ready when it's time for one of us to stop," he said.

___

Where you live determines what extra requirements, if any, older adults must meet to keep their driver's license.

Among the most strict rules: Illinois requires a road test to check driving skills with every license renewal starting at age 75 ? and starting at age 81, those renewals are required every two years instead of every four. At 87, Illinois drivers must renew annually.

In Washington, D.C., starting at age 70, drivers must bring a doctor's certification that they're still OK to drive every time they renew their license.

New Mexico requires annual renewals at 75.

Geographic variability makes little sense, said Jake Nelson, AAA's director of traffic safety advocacy and research. "Either I'm safe to drive or I'm not. Where I live shouldn't matter," he said.

Yet when Iowa drivers turn 70, they must renew their license every two years instead of every five. Neighboring Missouri lets the 70-year-olds renew every three years instead of every six.

Some states introduce age requirements after high-profile accidents. Massachusetts now requires drivers to start renewing licenses in person at age 75, with proof of an eye exam. The change came after an 88-year-old driver struck and killed a 4-year-old crossing a suburban Boston street in 2009.

This summer, the National Highway Traffic Safety Administration proposed a national guideline for older driver safety that, if finalized, would push states to become more consistent. Among the recommendations: Every state needs a program to improve older driver safety; doctors should be protected from lawsuits if they report a possibly unsafe driver; and driver's licenses should be renewed in person after a certain age, tailored to each state's crash data.

Still, many states say their main focus should be on inexperienced teen drivers and problems such as texting behind the wheel.

"Teens are risk takers. Our older drivers are risk avoiders," said Alabama state Rep. Jim McClendon. Alabama drivers renew licenses every four years, with no older age requirements.

New Hampshire last year stopped requiring road tests when 75-year-olds renewed their licenses. The law was repealed after an 86-year-old legislator called it discriminatory.

It's not the only state worrying about age discrimination.

"You don't want to go around and say, 'This person is 85. We've got to take them off the road.' That wouldn't be fair," said Assemblyman David Gantt of New York, where licenses last for eight years.

On the other side is the family of a Baltimore college student who died last year after being run over by an 83-year-old driver who turned into his bike lane. Maryland next month begins issuing licenses that last longer ? eight years instead of five ? despite an emotional appeal from the mother of Nathan Krasnopoler that that's too long for the oldest drivers.

"You should be looking at your drivers to be sure they're able to safely drive. There's plenty of research that as we age, things do change and we may not be aware of those changes," said Susan Cohen, who now is urging Maryland officials to study adding some form of competency screening, in addition to the required eye exams, to license renewals.

"Do we have to lose a 20-year-old with an incredible future ahead of him in order to determine that this particular driver shouldn't be driving?" she asked.

_____

Traffic challenges change for older drivers, who are less likely than younger ones to be in crashes involving alcohol or speeding. Instead, they have more trouble with intersections, making left turns, and changing lanes or merging, because of gradual declines in vision, reaction times and other abilities, according to the National Institutes of Health.

Scientists are hunting screening tests to check for such things as early warning signs of cognitive problems that might signal who's more at risk. But such screenings are a long way from the local license office. In a closely watched pilot project, California tried a three-step screening process to detect drivers who might need a road test before getting their licenses renewed ? but it didn't reduce crashes, sending researchers back to the drawing board.

Today, AAA's Nelson said in-person renewals are "the single most effective thing states can do to improve safety."

That's because workers in the driver's license office can be trained to look for signs of confusion or trouble walking as people come in ? two big clues that they may have trouble behind the wheel ? and refer those drivers for a road test or a medical exam to see if there's really a problem.

Virginia, for example, lets even the oldest drivers hold a license for eight years, but starting at 80 they must renew in person and pass an eye test. California has five-year renewals, and starting at 70 they must be in-person with both a written test and eye check.

Those eye tests can make a difference. In senior-filled Florida, 80-year-olds renew their licenses every six years instead of every eight, with a vision check each time. A study found highway deaths among Florida's older drivers dropped 17 percent after the vision test was mandated in 2003.

How long between renewals is best? There's no scientific consensus, but Nelson recommends every four to six years.

Another big key: Programs that make it easy for doctors, police and family members to alert licensing officials to possibly unsafe drivers of any age, so the experts can investigate. But in states that don't allow confidential reporting, families in particular hesitate in fear of backlash if upset relatives learn who turned them in.

Utah adopted confidential reporting in 2008 "to encourage more people to report problematic drivers without the risk of retaliation of repercussion," said Chris Caras of Utah's Department of Public Safety.

Nor should the question be only whether someone should drive or not: Iowa is leading a growing number of states that customize license restrictions to allow people to stay on the road under certain conditions. People with early-stage Alzheimer's or Parkinson's disease, for instance, may qualify for a one-year license; people with other health conditions may be allowed to drive only during the day or within a few miles of home.

In California, older drivers who fail a regular road test sometimes get a re-test on familiar neighborhood roads to qualify for a restricted license. State traffic researchers expect demand for that option to grow, and are preparing to study if that tailored testing really assures safety.

Meanwhile, how can people tell how they do on the road?

?The University of Michigan developed an online self-test to help drivers detect safety changes: http://um-saferdriving.org/.

?AAA and AARP offer websites with similar tools and links to driving courses: http://seniordriving.aaa.com/ and http://www.aarp.org/home-garden/transportation/driver_safety/

But ultimately, "the only way you can assess any driver at any age is to sit in the seat next to them and watch them drive," said Coughlin.

___

Contributing to this story were AP reporters Ben Nuckols in Washington; Henry Ray in Atlanta; Jim Vertuno in Austin, Texas; John Rogers in Los Angeles; Carla K. Johnson in Chicago; Jessica Gresko in Washington; Barry Massey in Santa Fe, N.M.; Grant Schulte in Lincoln, Neb.; Shannon Young in Boston; Phillip Rawls in Montgomery, Ala.; Norma Love in Concord; Michael Virtanen in Albany, N.Y.; Michael Felberbaum in Richmond, Va.; Bill Kaczor in Tallahassee, Fla.; and Lynn DeBruin in Salt Lake City.

The latest installment in the joint AP-APME series examining the aging of the baby boomers and the impact that this so-called silver tsunami is having on society.

Source: http://news.yahoo.com/older-drivers-face-confusing-array-license-laws-184830949.html

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Monday, September 17, 2012

Pope urges Arab leaders to work for peace in raging Middle East

BEIRUT (Reuters) - Pope Benedict urged Arab leaders on Sunday at a huge open-air Mass in Lebanon to work for reconciliation in a Middle East riven by Syria's civil war and blazing with fury over a film mocking the Muslim Prophet Mohammad.

"May God grant to your country, to Syria and to the Middle East, the gift of peaceful hearts, the silencing of weapons and the cessation of all violence," the pope said in a prayer after Mass that organizers said was attended by 350,000 people.

Activists say more than 27,000 people have been killed in Syria's 18-month-old, mainly Sunni Muslim uprising against President Bashar al-Assad, who belongs to the minority Alawite sect that grew out of Shi'ite Islam.

Few Christians, who form about 10 percent of Syria's population, have joined the uprising, fearing that it could bring hostile Islamists to power in a fight raging just 50 km (30 miles) east of Benedict's Mass in Beirut.

Addressing worshippers on the Mediterranean seafront, close to the front-line of Lebanon's 1975-1990 civil war, Benedict said Lebanese people "know all too well the tragedy of conflict and...the cry of the widow and the orphan".

"I appeal to the Arab countries that, as brothers, they might propose workable solutions respecting the dignity, the rights and the religion of every human person," the 85-year-old pontiff said.

Peace between warring factions and among the many religious groups in the Middle East has been a central theme of his visit to Lebanon, along with his call to Christians not to leave the region despite war and growing pressure from radical Islamists.

"In a world where violence constantly leaves behind its grim trail of death and destruction, to serve justice and peace is urgently necessary," Benedict said.

The pope has made no reference during his three-day visit to a U.S-made film depicting the Prophet Mohammad which has caused unrest across the Muslim world, including a protest in north Lebanon on Friday in which one person was killed.

SWELTERING

Politicians from all sectors of multi-faith Lebanon attended the Mass, including from the militant Shi'ite group Hezbollah. Leaders of the country's main religions all assured the Vatican of their support for the visit in advance.

The Mass took place on reclaimed land next to the port without any shade for the crowd, despite temperatures of more than 30 degrees centigrade (86 Fahrenheit).

The altar was shielded from the sun under a canopy, but the pope was seen mopping sweat from his forehead at one point.

Red Cross workers carried away at least two worshippers who fainted from the heat half way through the celebration.

Many in the crowd wore white caps bearing the motto of the visit, "salami o-tikum!" (Arabic for "my peace I give to you"), a phrase the pope, known as 'Baba' in Arabic, has repeated in several speeches.

Cedars of Lebanon, the country's symbol, featured in a white backdrop to the altar where the pope presided over the Mass, and on the white capes worn by prelates of the Maronite Church, the largest of six Christian churches here linked to the Vatican.

Prelates from other Eastern Catholic churches stood out in their distinctive gold or black vestments, in contrast to the green chasuble worn by the pope. Hymns in Arabic added a local touch to the Gregorian and classic Catholic works being sung.

Streets near Beirut's port were closed to traffic in the morning and soldiers manned main intersections. Three military helicopters buzzed overhead and a navy ship patrolled offshore.

PERFECT TIMING

Worshippers at the Mass were grateful the pope came to Lebanon, where Christians make up about a third of the population. Their community is split into a dozen churches and the Muslims into Sunnis, Shi'ites and Alawites, as well as the Druze whose traditions mix Shi'ism and other influences.

Eli Baalina, 17, a Lebanese Maronite, said the visit "came at a perfect time, when things were heating up a bit".

"He gave us a chance to stop and think about the bigger things in life," he said. "It's a good chance to reflect on the things like sectarianism and extremism, things that we all need to work to change about ourselves in this region."

A Filipino maid named Julianne, 31, said: "Everyone thinks the Middle East is only about Muslims, but there is a big Christian community and we should celebrate too."

Several in the crowd were heartened by the pope's repeated calls for Christians to stay in the Middle East, where war, emigration and discrimination have cut their ranks to 5 percent of the population now compared to 20 percent a century ago.

"His message is to give us pride and encouragement that it is worth the effort to work for coexistence and understanding and to ensure Christians remain here," said Maronite Silva Mansour, attending the Mass with her husband and month-old baby.

The German-born pontiff conducted the Mass in French and Latin and lay people also offered prayers in Arabic, Armenian, Greek and English.

(Writing by Tom Heneghan; Editing by Louise Ireland)

Source: http://news.yahoo.com/pope-urges-christians-peacemakers-middle-east-082959781.html

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'The Master' smashes box-office records

LOS ANGELES (AP) ? Paul Thomas Anderson's cult drama "The Master" commanded a huge following in its opening weekend, smashing records on just a handful of screens.

The Weinstein Co. release made $729,745 in five theaters in New York and Los Angeles for a record-setting per-screen average of $145,949, according to Sunday studio estimates. The hugely anticipated film, which just won several of the top awards at the Venice Film Festival and will open in more cities in upcoming weeks, stars Philip Seymour Hoffman as a charismatic cult leader and Joaquin Phoenix as his wayward protege.

The No. 1 film at the box office was "Resident Evil: Retribution," which took in an estimated $21.1 million in its debut. This is the fifth film in the Sony Screen Gems action franchise, starring Milla Jovovich.

That topped the 3-D re-release of the Disney Pixar animated favorite "Finding Nemo," which opened in second place with $17.5 million.

The 3-D "Resident Evil: Retribution" was directed by Jovovich's husband, Paul W.S. Anderson, who has made three of the five films. It features the actress once again as the warrior Alice, the last hope for the human race as an evil corporation unleashes a deadly virus that creates more flesh-eating undead on a worldwide scale. And fittingly, the film performed even better internationally, where it made a healthy $50 million.

"You have to give so much credit for that to Milla," said Rory Bruer, Sony's head of distribution. "She's such an incredible star and absolutely just works so hard in every country. Whether it's Russia or Japan, everywhere she's gone, she's worked so hard in regards to making the franchise a success."

The re-do of "Finding Nemo" follows in a recent tradition of Disney converting its classic animated movies into 3-D for a whole new audience. The 2003 underwater comedy about a tiny, lost fish named Nemo, featuring the voices of Albert Brooks, Ellen DeGeneres and Willem Dafoe, won the Academy Award for best animated feature.

Paul Dergarabedian, box-office analyst for Hollywood.com, said the No. 1-opening for the latest "Resident Evil" movie came as a bit of a surprise. He figured "Finding Nemo" would come out on top, given the track record of the Pixar brand and the strong opening a year ago of Disney's "The Lion King" in 3-D, which debuted at No. 1 with $30.1 million.

"The Screen Gems label, they know how to create a profit-making franchise," Dergarabedian said. "It's become so important if you have a star who resonates in the international marketplace ? you can have a real winner worldwide."

Last week's No. 1 movie, the Lionsgate exorcism thriller "The Possession," fell to third place with an estimated $5.8 million. It's now made about $41.2 million over the past three weeks.

Among the other new movies this weekend, "Arbitrage" opened in 12th place in limited release with nearly $2.1 million. Richard Gere stars as a hedge-fund billionaire juggling scandals that could destroy him personally and professionally.

The huge opening for "The Master" beats the per-screen-average record for a live-action feature debut set earlier this year by Wes Anderson's "Moonrise Kingdom," which made $522,996 when it opened on four screens in May for an average of $130,749.

Asked who the audience was for "The Master," Weinstein Co. president of theatrical distribution Erik Lomis said: "We didn't do exit polls but from eyeballing the ArcLight (Cinemas), everyone in Los Angeles showed up."

Part of the allure was the rare opportunity to see the film projected in lush 70mm, which was possible at four of the five locations where it was playing. Expertly paced trailers released over the past few months revealed nothing, and unannounced screenings in select cities created more buzz. And some of the film's mystique may have come from its parallels to the origins of the secretive Church of Scientology. Anderson has said the church's founder, L. Ron Hubbard, provided inspiration for Hoffman's character.

"We knew we would do a lot of business but we didn't think it would be this big," Lomis said. "We knew from not only the pop-up screenings and the guerrilla marketing PTA does but also from the Venice Film Festival and the Toronto (International) Film Festival that we had something special. But you can never expect these kinds of numbers ? it blew the doors off the theaters."

As Dergarabedian phrased it: "Paul Thomas Anderson, among film buffs and film fans, is a directing god. He's on Mount Rushmore with Christopher Nolan and some other great filmmakers. When he puts out a movie, it's a long lead time ? we're forced to wait for a new Paul Thomas Anderson film. 'There Will Be Blood' was 2007.

"In the independent world, directors are the stars," he added. "They draw people to the theater and fill theaters."

Estimated ticket sales for Friday through Sunday at U.S. and Canadian theaters, according to Hollywood.com. Where available, latest international numbers are also included. Final domestic figures will be released Monday.

1. "Resident Evil: Retribution," $21.1 million ($50 million international).

2. "Finding Nemo," $17.5 million.

3. "The Possession," $5.8 million.

4. "Lawless," $4.2 million.

5. "ParaNorman," $3 million.

6. "The Expendables 2," $3 million ($7.5 million international).

7. "The Words," $2.88 million.

8. "The Bourne Legacy," $2.875 million ($9.1 million international).

9. "The Odd Life of Timothy Green," $2.5 million.

10. "The Campaign," $2.4 million.

___

Estimated weekend ticket sales at international theaters (excluding the U.S. and Canada) for films distributed overseas by Hollywood studios, according to Rentrak:

1. "Resident Evil: Retribution," $50 million.

2. "The Bourne Legacy," $9.1 million.

3. "Masquerade," $8.3 million.

4. "Ted," $8.1 million.

5. "The Expendables 2," $7.5 million.

6. "Prometheus," $7.1 million.

7. (tie) "Brave," $6.9 million.

1. "Madagascar 3," $6.9 million.

2. "The Dark Knight Rises," $6.4 million.

3. "The Watch," $4.3 million.

___

Online:

http://www.hollywood.com

http://www.rentrak.com

___

Universal and Focus are owned by NBC Universal, a unit of Comcast Corp.; Sony, Columbia, Sony Screen Gems and Sony Pictures Classics are units of Sony Corp.; Paramount is owned by Viacom Inc.; Disney, Pixar and Marvel are owned by The Walt Disney Co.; Miramax is owned by Filmyard Holdings LLC; 20th Century Fox and Fox Searchlight are owned by News Corp.; Warner Bros. and New Line are units of Time Warner Inc.; MGM is owned by a group of former creditors including Highland Capital, Anchorage Advisors and Carl Icahn; Lionsgate is owned by Lions Gate Entertainment Corp.; IFC is owned by AMC Networks Inc.; Rogue is owned by Relativity Media LLC.

Source: http://news.yahoo.com/master-smashes-box-office-records-183918808.html

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