Wednesday, October 31, 2012

Cr Samantha Dunn: belgrave south community house, active as ever

belgrave south community house, active as ever

I had the?privilege?of chairing the Belgrave South Community House Annual General Meeting this week.

A vibrant place to be, it was wonderful to hear about all the happenings of the house over the past year.

The house has been active in a range of areas and they never cease to amaze in terms of their willingness to take on new challenges.?

Changes to their Occasional Child Care program now mean that families can access the Child Care Benefit making the program more attractive. The change to approved care also means that the house can receive funding which goes a way to replace the Take a Break funding which was cut by state and federal governments last year.?

The house continues its strong program of adult education as well as offering hobby classes, health and fitness programs, out of hours school care and a range of community development activities.?

I'm always impressed by their range of Disability Services, including Sailability at Lysterfield Lake, Fun 'n' Fitness - a specific exercise class for people with a disability, the Extend Program which focuses on a range of skills development, in home support, the Gardening Group and not to mention the annual celebration of International Day of People with Disabilities which I'm proud to support with funding from my community ward fund.

They are supported by a small core of staff as well as a?committed?group of volunteers, I congratulate them in their efforts, they are part of the social fabric of the area and continue to reach out and provide vital support to community.

Source: http://crdunn.blogspot.com/2012/10/belgrave-south-community-house-active.html

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Source: http://wilburadaso.typepad.com/blog/2012/10/cr-samantha-dunn-belgrave-south-community-house-active-as-ever.html

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Thursday, October 25, 2012

Megan Fox for the Sharper Image: Hot and Pregnant!

Source: http://www.thehollywoodgossip.com/2012/10/megan-fox-for-the-sharper-image-hot-and-pregnant/

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REO home has big inspection issues. Will the bank ... - Zillow Real ...

In some cases you can re-negotiate.? Document your concerns and additional unanticipated/budgeted repairs.? Includea copy of the inspection report and pictures.

Send a detailed letter to the listing agent along with your documentation and request a specific seller concession amount.??

You should have a walk away number in your head?so that you will not be disappointed if they don't play ball or only credit you some of the?repair costs.

I'm sure they are already aware of the issues,?but since you are an owner occipied buyer, they may be more inclined to work with you.

Good luck!??

Source: http://www.zillow.com/advice-thread/REO-home-has-big-inspection-issues-Will-the-bank-negotiate-Cash-buyer/465554/

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Akin repeatedly arrested at 1985 abortion protests

ST LOUIS (AP) ? Missouri Senate candidate Todd Akin was repeatedly arrested during anti-abortion protests in the 1980s, including at least once when police had to carry him away, a newspaper reported Tuesday.

Akin, who is challenging Democratic Sen. Claire McCaskill in the Nov. 6 election, acknowledged last month during a campaign event that that he had been arrested about 25 years ago as part of an anti-abortion protest. But Akin has repeatedly declined to discuss additional details.

The St. Louis Post-Dispatch reported on its website Tuesday that its newspaper archives include at least three accounts of Akin being arrested in March and April of 1985 for criminal trespass and resisting arrest at abortion clinics in the St. Louis area. He apparently never was charged.

The St. Louis police department also confirmed in response to an open-records filed by a representative of the liberal advocacy group People For the American Way that Akin was arrested May 9, 1987, but it said records of the arrest were closed under state law because Akin never convicted.

Akin's firm anti-abortion stance gained national attention in the Senate race when he remarked in a mid-August TV interview that women's bodies have ways of avoiding pregnancy in "legitimate rape." Akin repeatedly apologized and said he was wrong, but Akin has continued to emphasize that he opposes abortion in all instances except rare cases when it is necessary to save the life of the woman.

A video circulating on the Internet in September showed Akin discussing his past involvement in abortion protests during a speech to supporters. He was recorded as saying: "You know, don't tell anybody I'm a jailbird." He explained: "a bunch of us sat in front of these doors and the police gave us a ride to the free hotel for a while, and you know how it goes."

At a Kansas City news conference last month, Akin confirmed he had been arrested about 25 years ago but provided no further details. His campaign said at the time that it would release additional details but never did so.

Asked last Saturday by The Associated Press to elaborate on when and where he was arrested, Akin again declined to do so.

"We're not talking about that at all," Akin told the AP. "It was 25 years ago, and I think it underlines the fact that I stand up for the things I believe and I'm pro-life, and we're just leaving it there."

Akin campaign adviser Rick Tyler said Tuesday that Akin does not dispute the Post-Dispatch account of his arrests but still has nothing more to say.

McCaskill's campaign declined to comment Tuesday about Akin's arrests. McCaskill canceled her campaign events through the rest of the week to be with her critically ill mother, who was in the hospital Tuesday.

The newspaper said it had missed the 1985 arrests in previous searches of its archives because the news stories had listed Akin by his first name, William. Akin went by his middle name, Todd, when he began his political career by running for the state House in 1988. He has continued to go by Todd Akin since winning election to Congress in 2000.

According to the Post-Dispatch archives, a 37-year-old William Akin from Creve Coeur ? whose name and address matches other information about the future lawmaker ? was among a group of protesters arrested on March 15, 1985. The newspapers account said: "Nineteen anti-abortion demonstrators who refused to leave the waiting room of an abortion clinic in the Central West End were carried out by St. Louis police officers."

Three weeks later, another six protesters, including Akin, were arrested at another St. Louis demonstration. "Police had to carry Akin into an elevator," the story said.

On April 5, 1985, Akin was arrested again as one of 10 protesters who were "attempting to block entrances" at the Hope Clinic for Women in Granite City, Ill., according to the paper. One clinic employee told the paper that the protesters caused minor damage and leveled "verbal abuse" at women entering the clinic.

Source: http://news.yahoo.com/akin-repeatedly-arrested-1985-abortion-protests-224905200--election.html

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United Nations Day (Wednesday, 10.24.12) ? Inspired : A blog from ...

The idea of a global society isn?t as new as you might think. While the use of the internet has connected people more than ever, the United Nations has been unifying the world since 1945.? Today we celebrate United Nations Day, which is the anniversary of the UN Charter.

The term ?United Nations? was originally coined by U.S. President Franklin Delano Roosevelt?in reference to?our allies in ?World War II.? In an effort to prevent future violence, that prevailing?concept of unity for good over evil was one of the main reasons for the official establishment of the UN.

The UN also actively promotes and defends human rights, education, economic development, health and other areas essential to a peaceful society.?? And at Halloween, you maysee trick-or-treaters asking for donations for UNICEF, the branch of the UN dedicated to children?s issues.

With such a great mission, the day honoring the United Nations is something worth celebrating!? Why not host a dinner featuring some international foods??or invite your friends to bring a dish from their ethnic background.? By encouraging global understanding on UN Day and every day, each one of us can promote the?important goal of a peace-filled world.

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Posted by dkrouse on October 24, 2012

http://stayinspired365.com/2012/10/24/united-nations-day-wednesday-10-24-12/

Source: http://stayinspired365.com/2012/10/24/united-nations-day-wednesday-10-24-12/

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Monitors says Celgene cancer drug meets late-stage goals

(Reuters) - Independent safety monitors determined that Celgene Corp's experimental cancer drug met the main goal of a late stage trial by improving progression-free survival in multiple myeloma patients who have relapsed or not responded to prior treatment, the cancer drugmaker said.

The monitors also determined that the drug pomalidomide, given in combination with a low dose of existing treatment dexamethasone, was superior to a high dose of the existing treatment in improving overall survival.

Following an interim analysis, the study's data safety monitoring board recommended that patients who had not yet progressed in the Phase III trial's high-dose dexamethasone control arm should be started on Celgene's combination.

ISI Group analyst Mark Schoenebaum noted that Celgene has already applied for U.S. and European marketing approvals of pomalidomide based on favorable data from two Phase II, or mid-stage, trials.

The larger Phase III trial was a "confirmatory" study designed for U.S. regulators, to back up data seen in the earlier mid-stage studies, the analyst said in a research note.

"So this trial, according to the company, should 'de-risk' the European Union application," Schoenebaum said. He added that a decision from European regulators on the drug is expected in mid or late 2013. U.S. regulators are expected to decide on marketing approval in February.

Celgene's flagship $3.5 billion-a-year Revlimid drug also treats multiple myeloma, and is approved for patients who have failed at least one prior therapy. The company hopes to eventually win approval to market Revlimid at earlier stages of the disease and for longer periods.

Both Revlimid and pomalidomide are derivatives of the chemical thalidomide, and work in part by choking off growth of blood vessels that feed tumors.

Multiple myeloma is a cancer of plasma cells - a type of white blood cell responsible for producing antibodies - that affects the bone marrow. The cancer eventually interferes with production of normal blood cells.

The National Cancer Institute estimates that 21,700 men and women in the United States will be diagnosed with myeloma in 2012.

In July, Celgene's CEO Robert Hugin had said that he expects pomalidomide to generate sales of more than $1 billion annually treating multiple myeloma in a market that is expected to reach $5.4 billion by 2016 according to analysts.

Shares of Celgene were down 1.1 percent to $74.15 in midday trading on the Nasdaq, as the NYSARC Biotech Index fell 2.6 percent amid sharp declines for the broad stock market.

(Reporting by Ransdell Pierson and Vidya P L Nathan; Editing by Anthony Kurian and Phil Berlowitz)

Source: http://news.yahoo.com/independent-monitor-says-celgene-cancer-drug-meets-stage-132441610--finance.html

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Lady Gaga Has an Entire Family of Plants Named After Her

When scientists make a discovery, they often get first dibs on how it should be named or referred to. Usually they'll—rather arrogantly—choose their own name, but not a team of researchers from Duke University: instead, they chose Lady Gaga's. More »


Source: http://feeds.gawker.com/~r/gizmodo/full/~3/YWqQG7WoyQc/lady-gaga-has-an-entire-family-of-plants-named-after-her

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Serena Williams opens WTA Championships with win

ISTANBUL (AP) ? With the year-end top ranking out of reach, Serena Williams will settle for the title at the WTA Championships.

In her first match since winning the U.S. Open in September, Williams defeated Angelique Kerber 6-4, 6-1 Tuesday to start round-robin play in the season-ending event featuring the top eight players in the world.

"Obviously, I would rather win majors. I've been No. 1 and I would love to be No. 1 again. I think maybe one day I will. We'll see," Williams said. "I just feel if I keep winning tournaments, majors, tournaments like this, and playing well and consistently, the ranking will come."

In White Group matches, Agnieszka Radwanska defeated titleholder Petra Kvitova 6-3, 6-2, and Maria Sharapova defeated Sara Errani 6-3, 6-2 in a repeat of the French Open final.

Sharapova's win means she can still wrestle the No. 1 ranking from Victoria Azarenka, who plays Wednesday.

Williams won Wimbledon this year before adding the Olympic gold medal and the U.S. Open title. Between injuries and a curtailed schedule that generally includes a break after the U.S. Open, the third-ranked American had little chance of moving up in the year-end rankings.

The winner of 15 Grand Slam titles has only twice finished the year as No. 1 ? in 2002 and 2009. She has played in the season finale six times and won twice, in 2001 and 2009, her final appearance at the event.

Kerber handed Williams one of her four losses on the tour this year? out of 54 wins ? in the quarters at Cincinnati.

In a match of two heavy hitters, Williams allowed Kerber to tie it 4-4 after taking a 3-0 lead.

"I am just feeling my way around, pretty much," Williams said.

Williams yelled in delight after firing a backhand winner down the line for a 5-4 lead. She wasted two set points before Kerber put a forehand into the net.

Williams broke for a 3-1 lead in the second and, pumping her fist and yelling "Come on," she went up 4-1.

She lost the first three points of the final game, but played a superb volley to begin the rally and clinched the match when Kerber fired a forehand wide.

"I really wanted to win today, obviously. When you are playing anyone in the top five, you just are trying to play better," Williams said. "She won the last time we played, so I really just wanted to do well today."

The fifth-ranked Kerber ended last year at No. 32, but a place in the semifinals at Wimbledon and two titles have made her the first German to qualify for the year-end championship since 2001.

Kvitova entered the match with a 25-match winning streak indoors but she was in trouble early, losing the first three games. Although she recovered to draw 3-3, Radwanska broke serve again and served out the set.

Kvitova dropped her first two service games of the second, and broke back once. But the former Wimbledon champion was unable to threaten the steadier Radwanska.

"I am just happy that I could play my best tennis today and close that match in two sets," Radwanska said. "It's a good start."

It marked only Kvitova's second loss ? and her first in four matches against Radwanska ? in 28 indoor matches over two years. She was undefeated in winning the WTA Championships last year.

"I was nervous all match," Kvitova said. "I had a lot of errors."

Kvitova is still in contention because of the round-robin format, with the eight players competing in two groups of four.

Source: http://news.yahoo.com/serena-williams-opens-wta-championships-win-201355037--spt.html

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Wednesday, October 24, 2012

Obama the instigator vs. Romney the reserved (Washington Post)

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

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/257604655?client_source=feed&format=rss

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Apple iPad Mini expected to take on Amazon, Google

Apple Inc is expected to make its biggest product move on Tuesday since debuting the iPad two years ago, launching a smaller, cheaper tablet into a market staked out by Amazon.com Inc and Google Inc.

Apple hopes to beat back their charge onto its home turf of consumer electronics hardware, while safeguarding its lead in the larger 10-inch tablet space that even deep-pocketed rivals like Samsung Electronics have found tough to penetrate.

Amazon?s Kindle and Google?s Nexus 7 have grabbed a chunk of the lower end of the tablet market and proved demand for a pocket-sized slate exists, helping force Apple into a space it has avoided and at times derided, analysts say.

A smaller tablet would mark the first device to be added to Apple?s compact portfolio under Chief Executive Tim Cook, who took over from co-founder Steve Jobs just before his death.

?Apple sensed early that they had a real winner with the iPad and that has proven to be correct,? said Lars Albright, co-founder of mobile advertising startup SessionM and a former Apple ad executive.

?They have a large market share, and to protect that market share they have got to be innovative,? he said.

Apple?s invitation-only event, where it is expected to unveil the tablet, gets underway at 10 am PT (1700 GMT) in San Jose.

Wall Street analysts have said for months that Apple was planning a less expensive version of the iPad to take on cheaper competing devices, a move they say might hurt its margins, but prevent its rivals from dominating an increasingly important segment.

The chief rival is Amazon, which proved a 7-inch tablet at around $200 has consumer appeal. The Kindle Fire, released last year for $199, was one of the hottest-selling holiday gadgets. It pressured Amazon?s margins but gave it potentially millions of new high-spending customers.

Amazon sold more than a million Kindles a week during December, paving the way for others like Google with its Nexus 7 to try and beat Apple in a market the company created.

The Internet retailer has now put its second-generation Kindle Fire HD in the market, which it says is the ?best-selling product across all of Amazon worldwide?, based on undisclosed U.S. sales figures and international preorders.

Google?s Nexus 7 tablet, built by Asian manufacturer Asustek, quickly ran out of stock after its July launch.

All three companies will be vying to get their devices on shopping lists during the U.S. holiday season, which traditionally starts next month.

?It?s going to be the go-to holiday gift,? said Michael Yoshikami, founder of Destination Wealth Management, which owns Apple shares.

Price is key

Apple now has just one 9.7-inch iPad, starting at $499. The previous version, or iPad 2, is available for $399.

Jobs famously derided the 7-inch screen, saying such a device should come with sandpaper so users can file down their fingers. But an internal email revealed during a patent trial showed he turned more favorable to the idea by early 2011.

Apple has sold over 84 million iPads so far, with the device accounting for 26 percent of Apple?s fiscal third quarter revenue. Most Wall Street analysts expect Apple?s new tablet to fall between 7 inches and 8 inches in size, saying its price will be crucial to its success.

The ?starting sweet spot? for the tablet would be in the $249-$299 range, according to a survey of over a thousand consumers by Baird Equity Research.

?When asked what the most they would pay for a smaller iPad was, our respondents on average said that they would pay $242 for a 7-inch iPad and $268 for an 8-inch iPad,? William Power, Baird Equity Research analyst, said.

Any erosion in Apple?s industry leading margins also hinges on the price tag. It earned gross margins of 23 percent to 32 percent on U.S. iPad sales between October 2010 and the end of March 2012, according to a July court filing by Apple.

Rivals haven?t fared as well. Amazon?s first Kindle Fire just about breaks even, according to IHS iSuppli estimates, and Google has said its Nexus 7 is being sold at cost.

Topeka Capital?s Brian White argued a smaller tablet could overtake sales of the iPad in a few years. He is forecasting sales of 5 million to 7 million in the December quarter.

Apple shares rose 4 percent on Monday, buoying the benchmark S&P 500 index. While the stock is up 56 percent this year, it is currently down 10 percent from its record high of $705 on September 21, struck by concerns about iPhone-supply disruption at contract manufacturer, Foxconn Technology. Sharp criticism about errors in its Maps service also hurt.

?Apple?s stock is up a ton and it is only logical that it will take a breather after a while,? Yoshikami said. ?I don?t think there is any fundamental issue beyond that.?

Related Articles

Apple gearing up for iPad Mini reveal?

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Apple loses Samsung, Google patent case

Apple Maps leaves users unimpressed

Source: http://businesstech.co.za/news/electronics/24794/apple-ipad-mini-expected-to-take-on-amazon-google/

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'MyXperia' trademark filing suggests Sony might launch its own cloud service

'MyXperia' trademark filing suggests Sony might launch its own cloud service

There's no shortage of cloud storage sites and apps, but it looks like Sony might be trying to get a little more involved in ethereal storage. According to this European trademark filing spotted by Juggly, Sony Mobile has staked a claim to MyXperia, outlining that the service (or mobile app) involves itself in the "upload, storage, retrieval, download, transmission and delivery of digital content and media." In short, the kind of stuff you already do with your cloud service of choice. While Sony has no shortage of cloud-based services, MyXperia.com currently sends you to a bare-bones login page, underneath the Sony Mobile umbrella -- it looks like we'll have to wait for some account credentials before we get to take a look.

Filed under: , , , ,

'MyXperia' trademark filing suggests Sony might launch its own cloud service originally appeared on Engadget on Tue, 23 Oct 2012 05:02:00 EDT. Please see our terms for use of feeds.

Permalink Juggly.cn, Xperia Blog  |  sourceOAMI, My Xperia  | Email this | Comments

Source: http://www.engadget.com/2012/10/23/myxperia-trademark-filing-suggests-sony-might-launch-its-own-c/

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Carter Faust Loses Battle With Leukemia - KPLR 11

Posted on: 8:59 pm, October 23, 2012, by Staff Writer, updated on: 10:06pm, October 23, 2012

carter faust

(KPLR) ? Carter Faust, the brave little 5-year-old boy from Washington, Missouri lost his battle with leukemia Monday.? His family held a bone marrow drive in his honor last month while he underwent treatment at S. Louis Children?s Hospital.

Carter was the honored patient at last year?s ?Light the Night? walk for the leukemia and lymphoma society. He was a bright light during his short life; our hearts go out the family.

Previous Story

Source: http://kplr11.com/2012/10/23/carter-faust-loses-battle-with-leukemia-2/

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The ?Chinese Professor? Provides Compelling Warning

The ?Chinese Professor? Provides Compelling Warning

Posted on 24 October 2012 by kprice

By US Daily Review.?

Citizens Against Government Waste (CAGW) and Americans for Prosperity Foundation (AFP Foundation) announce the co-release of a national ad campaign drawing attention to the country?s spending addiction and the dangers of the national debt. The ad, known as the??Chinese Professor,??will run from Sunday, October 21, through Sunday, November 11, on national cable networks and in select markets across the country.

?This ad is part of an ongoing communications program in CAGW?s decades-long fight against wasteful government spending, increased taxes, out-of-control deficit spending, and a crippling national debt?

This ad, which features a chilling look at one potential future scenario if the nation continues on its current path, pays homage to?a 1986 ad?that was produced by W.R. Grace & Co. called ?The Deficit Trials.? The national debt was $2 trillion in 1986 when ?The Deficit Trials? was denied broadcast time for being ?too controversial.? When CAGW first released the ?Chinese Professor? ad, the debt had reached $13.7 trillion. Today the debt stands at $16.1 trillion, $1.15 trillion of which is held by the Chinese government, the largest foreign holder of U.S. debt.

Click here to view ?Chinese Professor?

?This ad is part of an ongoing communications program in CAGW?s decades-long fight against wasteful government spending, increased taxes, out-of-control deficit spending, and a crippling national debt,? said CAGW President Tom Schatz. ?Unfortunately, fiscal year 2012 ended with a fourth consecutive $1 trillion-plus deficit. With the ?fiscal cliff? looming due to congressional infighting and dithering, it is becoming clear that no serious plan is on the table to cut spending and reduce the deficit without crippling the economy. As a result, we decided to partner with AFP Foundation, an organization with an exemplary commitment to promoting limited government and economic growth, to enhance our efforts to educate taxpayers about what will surely be remembered as the most pressing matter of our time.?

?The prosperity of our nation is in jeopardy,? added AFP Foundation President Tim Phillips. ?Credit rating agencies have?downgraded?the federal government?s credit rating; 10 ex-chairs of the President?s Council of Economic Advisers have?described?the debt as ?a severe threat that calls for serious and prompt attention;? and former Chairman of the Joint Chiefs of Staff Mike Mullen?referred?to the national debt as the ?single-biggest threat to our national security.? AFP Foundation has long run ads such as this to educate the public on how excessive government spending and the resulting debt is impairing our nation?s future.?

?

Source: http://usdailyreview.com/the-chinese-professor-provides-compelling-warning

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The Differences Between Major Red Wines

With so many different fine red wine types it's hard to know the difference between them all, and which one is best for the food you're pairing it with. It's especially helpful to know the difference when purchasing fine red wine, as you'll want to make sure you're buying the right wine when paying a premium price rather than just a standard bottle of table wine.

Cabernet Sauvignon

Pronounced 'cab-er-nay so-vin-yon' this is one of the most recognized and popular wine types in the world, and for a while was considered as the best red wine, but Merlot is quickly gaining in popularity. A 'Cab Sav' is a big, bold wine full of Tannins, aged beautifully in oak barrels, and produced mostly in France, the USA and Australia.

Merlot

Pronounded 'Mer-low', this is a wine best enjoyed young, when it's supple and full of flavour. A full and rich Merlot goes exceptionally well with heavy dishes such as lamb or rich puddings, while a lighter Merlot goes very well with soup and pasta dishes. Merlot is a fabulous red wine to accompany cheeses.

Chianti

Possibly Italy's most famous fine red wine, Chianti is pronounced 'key-an-tea. Still produced in Tuscany, Chianti is one of the few traditional wines still produced there. It is a blend with Sangiovese the prominent grape, but it may also contain other grapes including Cabernet Sauvignon. A wine full of character and a mix of floral and berry flavours, it is the ideal accompaniment for tomato based dishes.

Shiraz

Pronounced 'Shear-az' this grape is the most widely grown in Australia, and therefore a very good value wine. It has quite high alcohol content, but is low in acidity and full of fruity flavours, making it a very enjoyable wine for meaty dishes such as steak, although it is also a good every day choice.

Pinot Noir

A very light and sophisticated fine red wine, Pinot Noir is pronounced 'Pee-no No-our', and is great with meat dishes, goat's chesses and scallops. It is one of the most sophisticated wines, and full-bodied and full of flavour, but without being too acidic or heavy. Grown in cooler climates in California and France, it is a difficult grape to grow so is difficult to find for a decent price.

Grenache

Although not very well known, Grenache is one of the most planted red wines in the world. Pronounced 'gren-aash' it thrives in hot, dry conditions and is a very sweet but hardy wine due to its low acidity but high alcohol content, best served chilled and with spicy foods.

For more information on fine red wine visit the perfect cellar at http://www.theperfectcellar.com/

Source: http://articles.submityourarticle.com/the-differences-between-major-red-wines-299643

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Principals Roundtable: Tighter Fees a Huge Challenge

by Staff | Tuesday, October 23, 2012

Nokia in Silicon Valley by Gensler, the firm ranked number one in Interior Design's Top 100 Giants according to earnings; however, many firms still struggle to attain their pre-recession level fees. Photo by Nic Lehoux.

This is the first in a series of articles that will cover the main issues discussed at the recent principals roundtable held by Interior Design and IIDA at NeoCon East in Baltimore, Md.

It should come as no surprise that the 20 or so top executives of design and architectural firms who attended Interior Design and IIDA?s principal?s roundtable last week agreed that they are working harder, longer and more intensely than ever before. The kicker, however, is that they are also earning the same or even less than they earned prior to the 2008 recession.

?Clients expect more, but aren?t willing to pay more,? said an executive of a large global design firm. (To ensure a frank and open conversation about the high priority issues impacting the design industry, Interior Design and IIDA agreed not to identify attendees.)

In fact, many who attended the roundtable held at last week?s NeoCon East in Baltimore, Md., don?t see the shrinking fee structure changing any time soon. ?They want more services for less,? said a principal of a mid-sized design firm. ??The problem is that as the fees go down, it is hard to get them back up again. This impacts everything.?

To understand how tighter fees have impacted companies, many in the group noted that firms used to assign ten designers to a project and now assign only three. Even working and focusing on one project is a luxury from a bygone era, with most designers tackling several at once to be more cost-effective.

Question: Are stagnant or declining fees for the same or more work than you did four to five years ago the number one issue facing design firms today?? Respond here.

Most assigned the blame to brokerage firms who are branching out into areas traditionally handled by design or architecture firms. ?Brokers are setting the tone, sending out RFPs to firms and telling clients that this is the way to get the best price,? said an executive of a large design firm, adding that brokers are also moving into the planning and programming stages. This, she said, is happening increasingly in the corporate field.

Added another design executive: ?The best value is not finding the cheapest partner, the cheapest designer or architect? but that?s what they are hearing from the brokers.?? The group agreed that sometimes a broker would advise a client to go for a higher priced space, convincing them that they can save on the build out. This often leads to unrealistic expectations when it comes to the fees and scope of work.

?The solution is to write concise, tight contracts. We will do these five things for this much,? said one executive from a large design firm, adding that clients usually understand once you show them that that their requests are outside the agreed upon scope. Still, she pointed out, a firm is more constrained with new clients compared with repeat clients who have worked through the issue before.? Nevertheless, she said: ? It can?t be architecture by the pound.?

Question: Do you find the increasing influence that brokers have with clients hurts your business and creates unrealistic expectations? ?Respond here.

Still, business has picked up with multi-family, healthcare and higher education leading the way. It?s an increase relegated to certain regions of the country, with a strong showing in the D.C. areas, for example, thanks in part to government projects. ?The work is healthy, but the fee structure is not,? said one design executive, adding that her practice is inundated with work due to new construction. ?Still it?s hard to make money. You can?t deliver the hip, the cool and the new at this fee structure.?

And that, on nearly every level, is what clients are looking for? and expect without having to pay additional for it.

Next week: A look at how Hospitality?s growing influence across all market segments has impacted how design firms work and compete.

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Source: http://designwire.interiordesign.net/products/14495/principals-roundtable-tighter-fees-a-huge-challenge

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Obama: I Didn't Visit Israel To Raise Money

Tries to disarm Romney attack that he's weak on Israel.

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Source: http://www.buzzfeed.com/zekejmiller/obama-i-didnt-visit-israel-to-raise-money

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Society to be dismantled following Savile scandal

Broadcasting House of Horrors

The government has announced plans to end society as we know it, starting with scrapping the license fee, abolishing the welfare state and banning so-called ?grooming products? like shampoo.

When a blank slate has been achieved Rupert Murdoch will assume the role of emperor, presiding over a nation where paedophilia is impossible because free will is banned and physical contact between humans punishable by death.

David Cameron said: ?Our society is irredeemably corrupt. Even seemingly innocuous things like seat belt laws really are about restraining children for the benefit of predators.

?In order to protect children and ensure this can never happen again, Britain will become the state of Ruponia, where sexual urges can only be indulged vicariously via ?celebrity nipple slip? pictures in newspapers.

?Reproduction will happen via test tubes, freeing up your valuable time for working and consuming.?

Rupert Murdoch said, ?With all state assets transferring to the hands of private corporations, no longer will rich and powerful men be able to manipulate ordinary, vulnerable people to their own, immoral ends.

?At News International, we have always thought first and foremost of the children.?

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Source: http://www.thedailymash.co.uk/news/society/society-to-be-dismantled-following-savile-scandal-2012102346004

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Tuesday, October 23, 2012

Apple unveils next-generation iMac with slimmer design and Ivy Bridge

Apple unveils nextgeneration iMac with slimmer design and Ivy Bridge

Who said Apple's event was all about the little things? Apple just unveiled its first redesign to its iMac desktop in three years. The new all-in-one makes the widely expected leap to Intel's Ivy Bridge processor architecture, but also represents a much leaner and meaner replacement for the 2009-era template -- it has a much, much svelter profile.

For more from this event, follow along in our liveblog!

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Apple unveils next-generation iMac with slimmer design and Ivy Bridge originally appeared on Engadget on Tue, 23 Oct 2012 13:30:00 EDT. Please see our terms for use of feeds.

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Source: http://www.engadget.com/2012/10/23/apple-unveils-revamped-imac-with-slimmer-design-and-ivy-bridge/

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New Rutgers president's home gets $90K makeover, records reveal


PISCATAWAY ? The sprawling, aging, hilltop house that has served as home to five Rutgers University presidents got a nearly $90,000 makeover before the school?s new president moved in over the summer.

Renovations to the 84-year-old house included a new master bathroom, refinished floors, new paint, new windows, ceiling repairs, new lighting and dozens of other improvements, according to hundreds of pages of receipts obtained by The Star-Ledger through the state?s open public records law.

Rutgers officials said most of the work was long-overdue maintenance on the 14,0000-square-foot residence, which is located on a bluff over the Raritan River in Piscataway. The renovations were completed in time for new Rutgers president Robert Barchi and his wife to move in when they arrived on campus in late August.

The cost of the project was a fraction of the nearly $600,000 Rutgers spent in 2002 to fix up the deteriorating house before the university?s previous president, Richard McCormick, moved in with his family.

"When we have the opportunity in between presidents, we always try to (renovate). That?s the only time we get to get in there to do something seriously good to make it better," said Antonio Calcado, Rutgers vice president of university facilities and capital planning. "But this is probably the least we?ve done between presidents, ever."

This time around, Rutgers officials said they tried to keep the renovation costs down as the university continues to deal with decreasing state funding, rising tuition and budget cuts. Though a few outside contractors were hired, university employees did most of the work on the house and some projects, including refinishing the floors, were scaled back to keep the budget from ballooning.

The Barchi renovations are the latest changes to a property that has gotten mixed reviews from the Rutgers presidents who have lived there over the decades.

Located at the end of a secluted driveway on a wooded lot near the Rutgers football stadium, the house is mostly hidden from the rest of the university and rarely seen by the school?s nearly 60,000 students. The house has had a series of maintenance issues, including holes in the roof that led to an infestation of squirrels while Francis Lawrence was president in the 1990s and early 2000s. The recent extension of Route 18 also brought the busy highway close enough to the house to rattle some of its 73 windows.

Barchi and his wife spent their first few weeks on campus unpacking 200 boxes in the house they said was far too large for the couple and their yellow lab, Jack.

"It does have the disadvantage of having Route 18 about 100 feet from the side of the house," Barchi said in his first press conference as president. "There?s a koi pond on the side of the house ... My first clue was that the koi were wearing earplugs. It?s a fairly robust sound level from the highway."

Built in 1928, the brick house was originally named Glenlyver. It belonged to Robert Nicholas and his wife, Roberta, the eldest daughter of Johnson & Johnson founder Robert Wood Johnson.

After trying to sell the 43-acre property for years, the Nicholases retired to Arizona in 1939 after making a deal to turn the house over to a group of Rutgers trustees for $39,000, according to a history of the residence compiled by the university. The trustees presented the house to the school as a gift.

Over the years, Rutgers presidents Robert Clothier, Lewis Webster Jones, Mason Gross, Lawrence and McCormick lived in the house, which got a new wing in the 1960s to provide additional space for entertaining. The residence now has seven bedrooms and nine bathrooms, including two large public bathrooms in the basement for use when the president hosts large receptions for students, faculty or donors.

Like previous Rutgers presidents, Barchi lives in the house for free as a perk of the president?s job. He earns $650,000 a year in the post and is eligible for a $97,500 annual bonus, according to his contract.

Francis Harper Barchi, the president?s wife and a newly-hired social work professor on campus, said the couple was surprised to find the university sparsly furnished only a few rooms on the first floor. That means each Rutgers president must bring in their own furniture to fill the rest of the house, including the entire second floor and all seven bedrooms.

The Barchis said they ended up moving most of their furniture, antiques and artwork from their Philadelphia house and additional pieces from their vacation house in Maine to make their new house look more like a home.

"It?s a lovely property. It?s something Rutgers should be proud of," Mrs. Barchi said.

The recent renovations to the house totaled $88,590, according to the receipts obtained by The Star-Ledger. The costs included $36,145 for rewiring, $5,759 for new lighting, $5,206 for new blinds, $2,805 for Ceasarstone quartz bathroom countertops, $1,200 for a carpet runner and $398 for new window flower boxes.

Rutgers spent an additional $1,736 renovating the president?s office in the Old Queens administration building in New Brunswick. That work included refinishing the floor, new paint and custom-built cabinetry.

At the house, Rutgers officials said one of the main projects was gutting the dated master bathroom, which featured pink tile and gold-colored fixtures. The university also ripped up all of the carpets on the second floor, intending to refinish the shellacked 1920s-era hardwood floors. When that proved too costly, the floors were painted instead, campus officials said.

The university also pulled down old sound-proofing in the house?s large dining room. But that caused the plaster ceiling to cave in, exposing the area to lead paint and forcing Rutgers officials to do an emergency lead abatment clean-up.

Though there has been periodic talk of moving the Rutgers president to a new house with less problems, there are no plans to make any changes, said Calcado, the Rutgers vice president who oversees campus buildings.

"Ultimately, it?s a nice place for a president?s house if you can tolerate the noise," Calcado said. "We?ve made the investments. We are going to keep this this way."

More Rutgers University news

Source: http://www.nj.com/news/index.ssf/2012/10/home_of_rutgers_president_gets.html

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Cost of investment advice to rise after reform - survey

LONDON (Reuters) - Most people will find it harder to get investment advice when commission-based selling of financial services is banned in Britain next year, according to a survey published on Monday.

The poll, commissioned by asset manager Allianz Global Investors, found six in 10 financial advisers saying reforms of their industry will make advising those with less than 50,000 pounds ($80,000) in liquid assets unprofitable.

One in three planned to reduce service levels to less wealthy clients and 16 percent will turn them away altogether.

The Retail Distribution Review (RDR) will transform the way advisers are paid, in a bid to draw a line under two decades of mis-selling scandals.

Allianz has said some people could be left with no professional advice at all when reforms take effect on January 1.

Just 13 percent of advisors said they would continue to advise smaller customers.

The survey also found customers were likely to have to pay more, post RDR, for the same level of financial advice they receive now.

Based on the survey finding that 86 percent of advisers charge 100-200 pounds per hour, the current percentage fees for a portfolio of 50,000 pounds in liquid assets would amount to less than two hours financial advice a year.

That advice would typically cover issues including pension provision, tax planning and general administration.

"Our research indicates investors with less than 50,000 pounds in assets will have decreased service levels or worse still, be left with no professional advice," said Nick Smith, Head of Retail Sales Europe at Allianz Global Investors.

Some 14 percent of advisers have changed their fee structure already to retain smaller customers, such as by increasing fee rates, either by percentage of assets or charging a flat fee or an hourly rate.

Smith said he expected more "outcome orientated" funds where, for example, advisers choose funds that match the client's risk profile, as opposed to hand-picking each investment. These funds allow advisers to service a large section of their clients at a lower cost, Smith said.

($1 = 0.6241 pound)

(Editing by Dan Lalor)

Source: http://news.yahoo.com/cost-investment-advice-rise-reform-survey-110022560--sector.html

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Video: Scoring Last Night's Debate

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Source: http://video.msnbc.msn.com/cnbc/49515494/

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Rethinking Bonds In Taxable | The White Coat Investor- Investing ...

For some time those ?in the know? have been recommending that if you have both taxable and tax-protected accounts, that you preferentially place stocks into the taxable account and more tax-inefficient bonds into the tax-protected accounts (like IRAs and 401Ks.)? This makes sense because stocks are inherently more tax-efficient than bonds, since much of their growth is deferred, and even distributed capital gains and dividends are only taxed at the lower tax rate.? I wasn?t initially convinced, so I did the math once, and sure enough, it made sense to put stocks in taxable.? This is actually the main argument I used against using municipal bonds- because most investors are better off using fully taxable bonds in their tax-protected accounts.

Current Market Environment Changes Assumptions

Since I?ve done that math, however, two very significant things have happened in the market.? The most important is that interest rates have come way down.? Less important, but still significant, the spread between municipal bond yields and similarly risky taxable bond yields has narrowed a great deal.? These changes mean that the assumptions plugged into the equations now have to change.? In this case, when you change the assumptions, you also change the conclusions.

TFB Gets It Right

Harry Sit, over at The Finance Buff, recently pointed this out.? His argument was that it?s important to consider the ABSOLUTE tax cost of an investment, not necessarily the RELATIVE tax cost. His example changes the assumptions used in previous calculations.? He asks which should be put in a taxable account first, a stock fund returning 7% taxed at 20%, or a bond fund returning 2% taxed at 40%?? The stock fund loses 1.4% a year to taxed, whereas the bond fund loses 0.8% a year to taxes.? Although the stock fund is relatively more tax-efficient, on an absolute basis, the bond fund is more tax-efficient.? I think he?s absolutely correct.

Forget Putting Your E- Fund Into Tax-Protected

A few years ago investing math nerds were figuring out ways to put their emergency fund into their tax protected accounts (basically when you needed money you?d sell the exact amount of stocks you needed in taxable and buy those same stocks in the tax-protected account so you never had to sell stocks low.)? Now this approach doesn?t make any sense at all, since any investment that is reasonably safe enough to be an emergency fund has a yield of 1% or less.? It?s really all about the expected returns.

Importance of Being Financially Sophisticated

Many investors (and I?m sure I?m somewhat guilty too) simply learn a handful of rules of thumb rather than reading the primary literature from which they come, such as these articles by investment authorities recommending ?stocks in taxable?: Journal of Finance, TIAA-CREF, and Vanguard. ? But if you don?t understand the assumptions and methods used to derive those rules of thumb, you won?t realize when it is time to ditch them.? Lowered expected returns not only affects the ?bonds in taxable? rule, but it also affects other well-known rules such as the 4% withdrawal rule.? Your financial education must be ongoing throughout your life, just like your continuing medical education.

What should you do?

So what should you do now that you?ve realized stocks in taxable is no longer right?? Probably nothing, but it depends.? I won?t be making any changes because nearly my entire portfolio is in tax-protected accounts.? The question is simply irrelevant to my current portfolio, and perhaps yours as well.? If you have no taxable account, you don?t need either stocks or bonds in it.

Even if you do have a taxable account, you still may not want to do anything dramatic, especially if your stocks or stock funds have a low relative cost basis.? They may still be highly tax-efficient if you plan on either dying (your heirs get a step up in basis) or donating the shares to charity (no tax cost) any time soon. Even if you don?t anticipate either of these occurring in the near future, the small advantage in increased tax efficiency each year isn?t worth paying a big tax bill (plus possible fees and commissions) this year in order to reorganize the portfolio.

So if you do want to make this change, it would behoove you to do it gradually, mostly with new money.? The advantage is quite small (1.4% vs 0.8% currently with The Finance Buff?s assumptions), and will shrink as interest rates rise.? It just doesn?t matter as much as it did with higher interest rates.

Don?t worry about getting burned if interest rates rise and you need to switch back.? As The Finance Buff rightly points out, if interest rates rise your bond funds will likely have a capital loss so selling them in taxable isn?t going to hurt your tax situation any (and might even help!)

Muni Bonds Back On The Menu

Since holding bonds in taxable is reasonable again, you?ll need to choose between taxable and municipal bonds.? Most high income professionals who do the calculation (if Taxable yield * (1-marginal tax rate) < Municipal Yield means use munis) will find a municipal bond fund to be a great option.

Asset location matters, but how much it matters (as well as where optimal asset location may be for stocks and bonds) varies with changes in interest rates.

Source: http://whitecoatinvestor.com/rethinking-bonds-in-taxable/?utm_source=rss&utm_medium=rss&utm_campaign=rethinking-bonds-in-taxable

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Hospital volunteer understands plight of newborns in critical care

Tiny 10-day-old Hunter Carrillo lay sedated on an elevated bed at Children's Hospital Los Angeles, hooked to a massive machine taking the place of his heart, lungs and kidneys.

His parents, Tami and Joe, hovered nervously nearby. Every few minutes, Tami Carrillo carefully stepped around the tangle of cords and monitors to get a closer look at her newborn son and to briefly hold his fingers.

For nearly a week, the Carrillos have watched as a team of doctors, nurses, respiratory therapists, cardiologists and surgeons worked around-the-clock, helping Hunter recover from an infection that caused him to stop breathing and his heart to stop pumping.

"We wake up sick and then spend the entire day in anxiety," said Joe Carrillo, 32. "There have been so many ups and downs that we are past our breaking point."

On Friday, they met another member of the newborn critical care team, one who could give them hope unlike anyone else.

As a newborn, Nallely Gomez fought for her life at the same hospital, hooked to a similar heart/lung bypass machine. Gomez, 19, now volunteers at the hospital's Newborn and Infant Critical Care Unit, stocking shelves, answering phones and most importantly, comforting parents.

"How is he doing?" Gomez asked the Carrillos, who also have two daughters, ages 8 and 12.

"They're taking good care of him," Tami Carrillo, 30, answered.

Gomez, who is studying to be a nurse, showed the couple the scar on her neck, a visible reminder of the weeks she spent on the extracorporeal membrane oxygenation machine. She told them that she volunteers alongside the nurse who took care of her, and that she recently went to a reunion of babies who have spent time in the unit.

Tami Carrillo said Gomez helps give her faith that Hunter will recover. "He's so sick that it's really hard to imagine him getting better," she said. "It's not even day-by-day. It's hour-by-hour."

More than 1,000 babies have been supported by the heart/lung bypass machines at Children's Hospital since 1987, said Philippe Friedlich, medical director of the unit and professor at USC Keck School of Medicine. The babies often have to be airlifted to the hospital because of life-threatening infections, heart disease or respiratory failure. They frequently spend a few weeks on the machine, with continuous monitoring at their bedside, before their hearts and lungs are able to start functioning on their own.

Newborns like Hunter ? who would have died without the machine ? have about an 80% chance of surviving, Friedlich said. Others who have more serious, congenital illnesses have a lower survival rate.

Gomez fits into that category. She was born with a diaphragmatic hernia, or a hole in her diaphragm that allowed her organs to move into her chest and make it impossible to breathe.

Diane Real, a nurse who still works in the unit, remembers caring for Gomez in 1993 and believing that she wasn't going to survive. Real said Gomez is an inspiration to many parents. "It helps them a lot to see that she went through the same thing and has come out the other side," she said.

Gomez is still a patient at the hospital and continues to take medication to aid her breathing. She takes two buses and a train to get from her home in La Puente to the hospital for her volunteering shifts. "It's my way of giving back," she said.

Hunter was born Oct. 9 at Antelope Valley Hospital by Caesarean section. He weighed more than six pounds, had dark hair, smoky eyes and a strong spirit, his dad said. He went home with his parents two days later.

But soon after, he started making jerky movements and crying more than usual. Tami Carrillo said she knew something was seriously wrong. The Carrillos returned to the hospital and Hunter got progressively worse. "He didn't look like he was going to make it," she said.

Hunter was airlifted to Children's Hospital, where doctors first tried less invasive treatments. Then Hunter's heart stopped, and doctors realized that they didn't have a choice. Doctors hooked Hunter to the machine to give him time while the antibiotics attacked the infection.

Looking down at Hunter, whose body is red and swollen, Gomez said on Friday, "That was me laying there."

"My nurse tells me I was a fighter," Gomez said. "Maybe that's why I survived."

"You have to be a fighter to survive," Tami Carrillo said. "We keep telling him to fight, to be strong."

On Saturday night, Hunter came off the heart/lung bypass machine but is still is connected to oxygen. "This was the next step, so it's good," Joe Carrillo said. "But we have a long road ahead."

anna.gorman@latimes.com

Source: http://feeds.latimes.com/~r/latimes/news/science/~3/Bz5dxA85O-4/la-me-babies-20121022,0,4133190.story

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