Williams sisters inspire local kids in Nigeria

LAGOS, Nigeria (AP) ? On their first visit to Nigeria, Serena and Venus Williams want to inspire local kids to set their goals high.

"We were really able to break the mold and win a lot of Grand Slams and a lot of tournaments and not only that, but kind of change the face of tennis," Serena said Wednesday before an exhibition match against her sister in Lagos on Friday.

"We were able to break the mold in a sport that was really dominated by white people ... it doesn't matter what your background is and where you come from. If you have dreams, if you have goals, that's all that really matters."

The sisters, accompanied by their mother Oracene Price, are in Nigeria's largest city for the week.

The sisters swatted tennis balls with local children at a private club on Ikoyi Island, home to diplomats and many of the nation's wealthy. If they have their way, the sisters will be hitting tennis balls for at least another four years, all the way to the 2016 Rio Olympics.

"It's our main goal," said the 31-year-old Serena, a three-time Olympic doubles gold medalist with Venus. "We were talking ... about how we can't wait to get to Rio. And obviously, bearing that we're both healthy, that's our goal to be there."

Venus, who is 32, agreed: "That's what we've begun preparing for."

Venus and Serena have teamed to win 13 Grand Slam doubles titles and won Olympic gold in doubles in 2000, 2008 and 2012. Serena also won the singles gold this year, while Venus won it in 2000.

Serena, who beat Maria Sharapova 6-4, 6-3 to win the WTA Championships final in Istanbul last week, is ranked No. 3 in the world. Venus, diagnosed last year with an autoimmune disease that causes fatigue, has struggled with illnesses and injuries in recent months and is ranked No. 24.

___

Jon Gambrell can be reached at www.twitter.com/jongambrellAP

Source: http://news.yahoo.com/williams-sisters-inspire-local-kids-nigeria-174421742--spt.html

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Ruth Institute Blog ? To my student upon grading her Christian ...

This was written by a good friend of mine on her blog, A Heroic Moment.? I found this entry inspirational, moving, brilliant, and deserving of a wider readership. Enjoy!

Unless you?re a teacher, you just have no idea.

No idea how much it takes out of you. How many times you will be awake, alone in the family room, still grading papers, and you will read something written by a student?a student you love and pray for?that will quite simply break your heart.

Something like this:? ?Marriage is nothing more than a tether for insecure? people to prove their relationship is real and feel validated.?

The question she was answering: What is the substance and purpose of marriage?

The back of the exam did not have enough space for me to respond as I wanted to. So I wrote her the following letter. She has since graduated, gone to college, and at least according to Facebook, is ?in a relationship.?

I have never had any indication that anything I said to her changed her mind. But truth is truth, and there is never a time when truth is not worth hearing again.

Dear Smart, Witty, Gifted Girl:

I regret that you think marriage is merely a validation for insecure people. Marriage is not just yet another variation of forcing a commitment, or as you said, a tether. It is impossible to present a thorough definition of marriage without first defining the human person: what she is, what she is made for, how she operates. Marriage springs directly from anthropology, and without an adequate anthropology, marriage will perhaps never be more than just another way people stay together.

Yet consider that ALL relationships require validation in the first place.? What legitimately happy and healthy couple on the planet does not need validation? Saying ?I love you? is validation. So is giving ?just because? flowers,? or taking out the trash, or going to work to support the family, or making any sacrifice. No relationship would function without validation, i.e., the actions and words that are the evidence of love.

Consider the damage that occurs when people feel unvalidated in their relationships and families. Validation is not a negative thing unless you don?t believe it?s sincere, in which case it becomes merely manipulation.

Obviously this validation begins before marriage; I did not live in constant doubt of my husband?s love for me until at last we said our vows. In fact, it was all his premarital validation of love that inspired the desire and confidence to make a lifelong commitment. I didn?t get married because I needed proof that he was committed to me. I got married because I already knew he was.

Marriage should and must occur only when two people are already secure in their relationship and love. To do otherwise is to flip marriage into reverse, and ultimately to destroy it from the inside out.

You argue that sure, that?s fine if that?s how you roll; but what difference does it make if you are both secure and confident and love each other and don?t ?need? marriage?? It seems you are essentially saying that nothing really changes in a good relationship by getting married. You loved each other before; you still do. You were committed before; you still are.

But then you brought up divorce. You said if you?re not married, you don?t have to deal with the ?hassle? of divorce. I know your parents are divorced, that your dad used to leave you for days and weeks when you were a little girl. You told me that yourself one day, and I remember the thick pain in your voice.

Not getting married because you fear divorce is bogus. Marriage and divorce are not a cause-effect relationship. People don?t break up because they got married. People break up when something in the relationship breaks, married or not.

You are no ?safer? from the pain of a failed relationship if you are unmarried than if you are, unless your relationship is not a genuine self-investment in the first place. The only way to keep a failed relationship from costing you is to not invest very much in it from the beginning.

Less risk is achieved by less investment. Just the same way, you could also fail to invest yourself in a marriage, and when it falls apart, it will not cost you as much pain because it did not mean as much to you in the first place.

My point was this: that many people avoid marriage when what they are really trying to avoid is pain and failure. Somehow they conclude that if they are not married, and the relationship fails, it won?t be as painful. They seem to think that marriage would take a perfectly good relationship and deform it somehow.

All bogus, and not only bogus, but reflective of a mentality that prioritizes self-preservation instead of self-gift.

There are only two ways I can avoid the pain of a failed relationship:

1) One way is by not investing myself?not by not getting married. In this case, it is the lack of self-investment, not the lack of marriage vows, that makes the loss less painful.

2) The only other way I can avoid the pain of a failed relationship is to share a total gift of myself, a full investment, with someone who has done the same for me.

It seems plausible that those who reject marriage to avoid the risk of divorce will behave just the same in any relationship. How does the lack of marital commitment make you more free, except to walk away?

So many of your choices of phrases and words struck me as illustrative of a view of marriage that is far from the truth and the design established by God and preserved by the Church.? When marriage is merely a legal condition, people mistake marriage for commitment.? But in the true understanding of marriage, commitment is prerequisite to marriage, and that commitment must remain steadfast in order for marriage to endure.

Furthermore, marriage is more than external validation for the couple; that a couple marries is a validation of love for everyone who witnesses them.

That is to say that when we see a couple marry with the mutual commitment to be faithful and self-giving even through trial, this gives us hope. We know it is possible to be loved even beyond what is presently known about you and your life; spouses vow to love each other through the unforeseen or as yet unknown trials, no matter what.

Smart, Witty, Talented Girl, I love you so very much. I want all good things for you. I want you to see the future with hope instead of caution. I want you to know how to love?and how to be loved. I want you to know the real thing when you see it.

But most of all, I want you to be free. From fear, from dread, from past suffering, from past mistakes, from a closed heart.

I will be praying for you,

Mrs. M

Source: http://www.ruthblog.org/2012/10/27/to-my-student-upon-grading-her-christian-marriage-exam/

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Dubai: She Was 29 Weeks Pregnant And Still A Virgin - Waznmentobe

Rrrriiiiiight?

(NY Daily News) ? She was 29 weeks pregnant and still a virgin.

That dubious diagnosis from a Dubai, United Arab Emirates, doctor was presented at the trial of a 15-year-old girl who was accused of violating the country?s harsh Sharia laws against sex outside of marriage.

The girl, identified only by the initials MM, was examined Aug. 8 and has since given birth to a baby girl, The National newspaper reported.

Going against the doctor?s report, MM told prosecutors that she had sex with her 17-year-old boyfriend, who is identified by the initials YA, several times.

?I met him on the Internet and fell in love with him,? the girl said. ?We had many dates at my family?s house in Oud Mutaina, Dubai, and had sex in my bedroom after my parents fell asleep. He had full sex with me about three times, and when I told him I was pregnant, he did not care.?

The boy, on the other hand, insists that the couple was never sexually active, according to 7 Days newspaper.

?I didn?t make her lose her virginity, nor did I get her pregnant,? YA said. ?After a while we broke up. I was surprised when her family visited my home and told me I had made her pregnant.?

The boy said that MM was seeing other boys throughout their relationship, and demanded a paternity test.

MORE

Apparently, being a little lying sack of weasel shit isn?t unique to western teenage boys.

Not all boys can be as awesome as the one shown below.

Source: http://waznmentobe.com/odd/dubai-she-was-29-weeks-pregnant-and-still-a-virgin.html

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Locksmiths In Sydney As Allies In Satisfying Needs : Home ...

You are here: Home / Security / Locksmiths In Sydney As Allies In Satisfying Needs

Next to physiologic requirements, safety and security are the second most significant needs essential for man?s survival in Abraham Maslow?s renowned hierarchy of needs. Once his bodily needs are satisfied, the next thing man seeks is the sense of being safe. The way he tries to find a steady job for financial security, takes maintenance medications for his health and well-being, checks on his wife every three hours to psychologically assure him that she is unscathed, purchases pricey cars that can protect him in case of collisions, and puts locks on the entrances of his property so that no burglars would come inside are behavioral manifestations and cues to his desire for safety. The inability to fully satisfy this need hinders his success in the higher stages of Maslow?s pyramid such as love, belongingness, self-esteem, and self-actualization. This kind of need therefore makes locksmiths in Sydney very useful allies in giving man satisfaction.

Who are Locksmiths
A lock is a tool that is used to secure something in a closed position which comes with a matching key that opens it. On the other hand, a smith is a person that uses a forge or mold to design different pieces of metal into useful objects. Therefore, a locksmith is a person who specializes in creating and designing locks along with their respective keys.

Services Needed
Today, locksmithing services have evolved along with the advancements in modern technology. They are no longer focused merely on the old-fashioned padlock installment, or key fitting and duplication. Safes, digital vaults, surveillance cameras, burglar alarms, fingerprint scanners, and other devices which may be a component of a complex security system are now also dealt with by these professionals.

Your Personal Needs
The kind of services to acquire would depend on what type of protection you require. Automobile, residence, industrial, and emergency services are a couple of examples. There are those who serve you only at the time of set-up or replacements, while there are also others who meet your needs round the clock in sophisticated and professional surveillance tasks.

Choosing and Comparing
When selecting a locksmith in Sydney, make sure that he comes from a company that is reliable and experienced. Faulty installation of safety features can place your loved ones and property at risk, which is why it?s very important to check their credentials first. Service rates, customer reviews, accreditation, training, years of business, insurance plans, and accessibility are a couple of elements you may compare from various companies through the internet and yellow pages.

Source: http://www.theyellowads.com/home_improvement/locksmiths-in-sydney-as-allies-in-satisfying-needs

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No Comments - Madison Who's Who

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Pam Willis

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Independent Associate

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PrePaid Legal Services & Go SmallBiz

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Brooklyn is New York?s most populous borough, and the Park Slope area, where Pam Willis lives and works, is filled with character and an enriching environment. It has parks and gardens, and a plethora of good restaurants, bars, and shopping, not to mention its population has a higher density of creatives than Williamsburg. It is no wonder that Pam Willis bases her work from home as an Independent Associate for PrePaid Legal Services & Go SmallBiz. This company assists businesses to set up an unlimited legal consultation employee benefit for their staff. This benefit provides traffic violation help, will preparation, identity theft protection and recovery, and much more. As its name suggests, PrePaid Legal Services & Go SmallBiz, caters to businesses of all sizes, plus they have special offers for Small Business. Pam Willis?s expertise is in Low Fee Legal Services. Some of Ms. Willis? other facets are she studied Liberal Arts while in college, and she is a Basketball and Football fan.

Madison Who?s Who Member Pam Willis can be found on the Madison Who?s Who Directory where she is looking forward to networking with you.

www.pjwillis.legalshield.com

Pam Willis

Independent Associate

PrePaid Legal Services & Go SmallBiz

Tags: assists businesses to set up an unlimited legal consultation employee benefit for their staff, Brooklyn, identity theft protection and recovery, Independent Associate, Low Fee Legal Services, Madison Publishing, Madison Who's Who, Madison Who's Who Publishing, MWW, MWW Publishing, New York, Pam Willis, Pamela J. Willis, Pamela Willis, Park Slope, traffic violation help, who's who, will preparation

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The Role of Life Insurance in Non-Traditional Planning ? DAI News ...

The Role of Life Insurance in Non-Traditional?Planning

Advising for diversity

Today, there are many forms of non-traditional family arrangements where individuals have chosen to live together and combine their assets. Like their traditional counterparts, unmarried couples of the opposite sex and same-sex couples want to preserve wealth during their lifetime, pass on assets to their partners and build a secure future for their families. Unlike their traditional counterparts, they face distinct issues that require specialized financial planning, as they do not always benefit from the same spousal rights, tax incentives and legal presumptions. Thankfully, for advisors who work with non-traditional couples, one of the best planning solutions ? life insurance ? is also one of the best ways to guarantee that these individuals are covered for future needs. And, even though some traditional estate planning strategies may not work for these clients, there are some that do. Therefore, it?s up to the financial professional to look to these other planning tools when developing a plan to protect his or her non-traditional clients and their families. This article will discuss four such tools: Grantor Retained Income Trusts, Charitable Remainder Trusts, Charitable Lead Trusts and Wealth Replacement Trusts.

Grantor Retained Income Trusts

A Grantor Retained Income Trust, or GRIT, is an excellent estate planning tool for non-traditional couples. GRITs have been around for many years. Prior to 1990, they were commonly used by families to transfer assets to the next generation while minimizing gift taxes. However, this wealth transfer strategy was severely curtailed by the Revenue Reconciliation Act of 1990 because it worked too well.

The law amended the Internal Revenue Code to eliminate the use of GRITs between family members. Since non-traditional couples are not considered married under federal law ? even if they reside in states that recognize same-sex marriage, or in the case of opposite-sex couples, common-law marriage ? they are not considered family members. Thus, GRITs remain an extremely useful tool for transferring wealth between non-traditional couples. A GRIT is an irrevocable trust in which the grantor ? such as the wealthier partner ? transfers assets to the trust while retaining the right to receive all of the net income from the trust assets for a fixed term of years. The net income is distributed by the trustee of the GRIT to the grantor annually, or on a more frequent basis, pursuant to the trust agreement. At the end of the trust term, the remaining trust principal is either distributed to the beneficiaries (such as one?s partner) or may be held in trust for their benefit. Additionally, if the grantor survives the trust term, the principal of the GRIT is excluded from her or his estate for federal estate tax purposes. Where does life insurance come in? It is generally advisable for the grantor to create an Irrevocable Life Insurance Trust (ILIT) to own a policy on her or his life. This will provide liquidity to pay any estate taxes that may be owed if the grantor does not survive the trust term. Remember, non-traditional couples do not benefit from the unlimited estate tax marital deduction at the first partner?s death, so adequate life insurance is critical to meet any estate tax liabilities (and other liquidity needs, such as income for the survivor).

Charitable Remainder Trusts and Wealth Replacement Trusts

A great option for non-traditional couples who face potentially significant estate tax exposure, but who also have specific philanthropic objectives, is a Charitable Remainder Trust (CRT). A CRT allows an individual to make gifts to a charity of his or her choice, while also naming someone to receive income from the donated property. A CRT is an irrevocable trust with significant income tax advantages. It is often referred to as a ?split-interest trust? because it has both charitable and non-charitable beneficiaries. A CRT also serves dual purposes: 1) To provide the donor and his or her partner with a stream of income ? the income interest ? for a certain term of years or for their lifetime; and 2) To have the balance of that asset ? the remainder interest ? eventually go to their favorite charity. A CRT allows your clients to make a gift to the trust in return for a stream of income. The income stream can be a fixed-dollar amount (also referred to as a Charitable Remainder Annuity Trust or CRAT) or a fixed percentage of the assets in the trust (a Charitable Remainder Unitrust or CRUT). When the gift is made into the trust, a current charitable income tax deduction will be allowed based upon the present value of the remainder interest that will ultimately pass to the charity. Income earned by the trust is not currently taxable. Instead, the income tax recognition may be spread out over the number of years in which the income stream is paid. The trustee sells the transferred assets at full market value with no current capital gains tax liability. The proceeds are then utilized to purchase an investment that will provide income for your client?s lifetime or for a period of years depending upon how the trust was designed. The income is paid on a yearly basis until the end of the trust term.

A great option for non-traditional couples who face potentially significant estate tax exposure, but who also have specific philanthropic objectives, is a Charitable Remainder Trust (CRT)

As with the GRIT, a CRT?s effectiveness can be enhanced in many cases with life insurance by creating a Wealth Replacement Trust (WRT), an ILIT that has significant estate tax and legacy benefits. It allows for the purchase of life insurance inside of the trust, thereby keeping the insurance proceeds out of the insured?s taxable estate. The beneficiary of the trust, however, is the insured?s partner so the insurance proceeds can ?replace? the assets that were donated to charity using the CRT technique. The premiums for the insurance are paid using a portion of the income stream received from the CRT, resulting in no out-of-pocket expense. The overall result of this strategy is that the assets used to fund the CRT can be used to provide your clients with an income stream and to benefit their favorite charity, all without reducing the legacy ultimately left to the surviving partner. Charitable Lead Trusts and Wealth Replacement Trusts

Like a CRT, a Charitable Lead Trust (CLT) is considered a ?split-interest trust? since the interest is divided between both a charitable and non-charitable beneficiary. However, unlike a CRT, a CLT pays the charity a stream of income first. The income stream can be a fixed-dollar amount (also referred to as a Charitable Lead Annuity Trust or CLAT) or a fixed percentage of the trust assets (a Charitable Lead Unitrust or CLUT). When the charity?s interest ends, the remaining trust estate is paid to the surviving partner as the non-charitable beneficiary. While CLTs come in many forms, one of the most common types is a testamentary CLT. A testamentary CLT is typically created by the wealthier partner?s Last Will and Testament or Revocable Living Trust at his or her death. Under the terms of the CLT, an income stream is paid to charity for either a term of years or for the life of a designated individual. There are rules to take into consideration regarding permissible measuring lives when a CLT is established for the life of one or more individuals. When the charity?s interest ends, the remaining assets in the CLT pass to the non-charitable beneficiary, such as the surviving partner. Regardless of whether the trust is a CLAT or a CLUT, the client?s estate will receive an estate tax charitable deduction based on the present value of the charity?s lead interest. While the present value of the non-charitable beneficiary?s remainder interest will be included in the gross estate, it may be possible to ?zero out? the CLT so that the estate-tax calculation of the remainder interest is zero. How can life insurance enhance this planning tool? Remember that, with a CLT, the surviving partner does not receive any portion of the trust estate until after the charity?s interest ends. By purchasing life insurance inside of a WRT, your insured client can assure that her or his partner receives assets immediately at the client?s death, in addition to the ?delayed inheritance? she or he will receive upon the charity?s interest terminating. In addition, this strategy allows the client to retain full control over assets during her or his lifetime without sacrificing the goal of making a significant charitable impact. While it?s true that non-traditional couples face estate planning challenges that married couples of the opposite sex do not, as this article shows, a thoughtful financial professional can help his or her clients overcome most of these with proper planning ? and life insurance can play a critical role in the process.

by Cynthia L. Hearing, JD, CLU, ChFC, CLTC

Ms. Hearing, JD, CLU, ChFC, CLTC, is a consultant with the Business Resource Center for Advanced Sales at The Guardian Life Insurance Company of America. Prior to joining Guardian, she held positions with MassMutual, New England Financial and Prudential Securities.

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Source: http://dworkinassociates.wordpress.com/2012/10/25/the-role-of-life-insurance-in-non-traditional-planning/

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NBA Preseason: Jazz Coach Tyrone Corbin in for a big season

Often we fans are super quick to get happy and super quick to get upset. I know this is clearly the case for me at times, and I want to work on it. As a sports fan we pray and hope for victory, and get hung up on singular moments. That said, victory is not a product of singular events . . . victory is a product of hours and hours of work before the game even starts. As fans we watch only the most limited, but overexposed part of sports - the games. The outcome of games determines wins and losses; but the factors which influence victory conditions are mostly all from outside of the game itself.

I guess in a way, I am indubitably talking about practice. But it's more than that. In the NBA is a league which is run mainly by stars who hold a lot of individual influence over time periods. After all, while Wayne Gretzky was just as dominating as Michael Jordan -- no one compiles lists of great NHL players to never hoist the Stanley Cup because they played in the same era as "The Great One". Basketball is about performance, preparation, and also time.

There is a time for everything. When Kobe Bryant was airballing threes in the playoffs it was not his time - just then; however, he approaches timelessness now with his extended period of excellence. From him we see that early failures can be used by the right players to fuel future success. This also works for coaches too, Jerry Sloan had a good rookie year as the head coach of the Chicago Bulls, only to be fired shortly after. He wasn't ready then, but he worked at it and became a legend. These are both indications where patience (something fans are short of) would have been helpful.

Outside of individuals time also affects teams. The Oklahoma City Thunder came together early, but their years of struggle showed that they were collectively not a team just yet. They worked on it, and last season they went to the NBA Finals. It now appears to be their time right now.

Time helps you better understand what you are working with. You get more data to mull over. More game film to watch and rewatch. And most importantly, hours and hours of time in practice where you do not merely observe results -- but it is in practice where you can actively experiment and test situations out. There is a limitation to being a fan, in that we can watch the games and look at the stats. But were only looking at what happened -- not actively doing the experimentation ourselves.

The Utah Jazz coaching staff, and players themselves, are doing that practical part that we miss though. For our franchise they've always been a closed door operation -- this is not going to change. The changes we fans clamor for during games will probably never happy. Not because people are stubborn (well, maybe...) but moreso because these experiments have taken place in practice, and the results were unfavorable. It is a conservative, but safe, way to handle things. There is a reason why pharmaceutical companies perform all these clinical trials before putting a product for sale; that company needs to make sure that what they are working with actually works.

I would not be surprised to know that the Jazz actually do a bunch of clinical trials during practice. We just don't see it. Of course being that conservative does lead to the reduced chance to find that massive improvement player. Bryon Russell was one such guy; and he only got his chance to be a rotation player because everyone on the depth chart ahead of him was getting killed. Change can happen, but it too takes time.

So what does all of this have to do with Tyrone Corbin? Do I think that it is his "time" now to dominate the league as a head coach? No. I do not think that at all. I do think that he's in for a really big season though. Perhaps not 'big' in the way he would want thought. I, as a fan, like Tyrone Corbin. He's been a part of my life for years ever since he was the starting small forward for the Phoenix Suns back in the late 1980s. I've followed his career since then. And as a fan I'm happy that he's still involved with our team.

Pleasantries aside, I think we can say that the grace period for Corbin is over. He was untouchable early because he was a mid-season field promotion. It was necessary to stop the bleeding, and try to win some games. Then we had a lockout, and such a compacted schedule that we couldn't get anything done. There was little training camp, so things had to be simplified. Furthermore, there was no time for practice, so teaching, learning, and player development couldn't happen either. I think that those are significant enough 'crazy reasons' that justify (or JustiTy?) the untouchable status for Corbin. Everyone always spit out the part line about how great he was. It became an in-joke how Corbin would be pumped up, and even brought up, when answer questions that didn't even mention him to begin with.

Corbin is now starting his 9th year as a coach with the Utah Jazz, the majority of it was as an assistant. But as a head coach he's now in his third year - even if he started one year after the head coach and primary assistant coach stepped down, and the next season had a lockout. He's had two training camps (one shorter than the other). And he's now one home game against the Portland Trail Blazers away from having two preseasons under his belt too. He is two games shy of being the head coach for 100 games (regular season and playoffs combined). He's still new. The situation has been far from ideal. But now, I think, he recognizes that it is his time.

After all, the Jazz make decisions on getting rid of young players after 1 or 2 years all the time without giving them in-game experience. Ty knows this too. His grace period is over.

That does not mean it's time NOW to get upset over preseason rotations, it's the regular season games that still count. What it does mean is that the kid gloves are off. Corbin was 6th place in Coach of the Year voting last year. He's not a horrible coach. But he's not perfect either. If we can yell about Al Jefferson, or Gordan Giricek, then we should now be allowed to be critical of Corbin. And not have our criticism be unfounded or premature.

Trends are developing with his coaching style. We have a lot of data. And he'd done well enough to finish NBA Head Coaching Tutorial mode, and is able to go out into the vast wilderness where he will sink or swim. And he'll do it here for the Utah Jazz in 2012-2013.

It's going to be a big season for Ty because he coaxed the playoffs out of a mismatched roster and used some absurd lineups. He's not a green coach thrust in a horrible situation. Dozens of coaches would want to be the head coach of the Jazz right now. (Seriously: hey -- go coach four lotto picks for a team that has sensibly priced vets who are productive, in a place that has lots of cap space and very low criticism from local media!)

Ty has to be up to the challenge now. I've been patient with him, defending him almost endlessly (when it doesn't involve Josh Howard). And he has lasted long enough, been given enough seasons, and grown individually as a head coach to EARN the right to have legit criticism ascribed to him. It's going to be a big season for Tyrone Corbin -- if for no other reason than the fact that it's now time to place some of the glory and some of the blame at his feet. For all of our sakes, I hope all the closed door experimentation results in a working model for the future success of this roster, and our franchise going forward.

As a fan, I think Ty can do it. He's made some mistakes. But if the NBA is a game where it's about individual growth over time, I have to believe Corbin will succeed.

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Source: http://www.slcdunk.com/utah-jazz-previews/2012/10/23/3544726/nba-preseason-jazz-coach-tyrone-corbin-in-for-a-big-season

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PayPal Improves Credit Offerings for Small ... - Small Business Trends

With the holiday season approaching, many consumers will be searching online stores for great deals, but small merchants can?t always offer the same deals and payment options that large retailers can. But that?s why PayPal has been working to create an easy solution for these small businesses.

PayPal unveiled some new payment options this week that will allow online merchants to offer enhanced buy now, pay later options for purchases of $99 or more.

Through PayPal?s existing Bill Me Later service, businesses can now automatically accept payments on credit from customers, including no interest for six months. Businesses don?t pay any additional costs for this feature, and they still receive payment right away.

Consumers who choose this option will be subject to credit approval through PayPal. But they can use the option with no interest if the purchase is paid off within six months.

This offering will allow businesses to give their customers even more payment options, making it easier, and thus more likely, for them to make purchases. This type of financing has been an option for larger retailers for years, so this new offering may help to level the playing field for smaller retailers that don?t have the resources to sort through the legal and regulatory restrictions necessary to market credit to customers on their own.

And the change comes just in time for holiday shopping season, so PayPal has also offered businesses banner ads to promote the credit feature directly on their sites, so that customers know they have that option when shopping.

Previously, Bill Me Later didn?t offer the same type of credit without interest options to customers across all retailers. And there was not one simple, centralized way of advertising the option to consumers.

Of course, many online retailers can accept credit card payments as well, but this addition to Bill Me Later is just one more option businesses can offer consumers, which can only lead to more customers and sales for online retailers.

About Annie Pilon

Annie Pilon is a freelance writer specializing inmarketing, social media, and creative topics. When she?s not writing for her various freelance projects or her personal blog Wattlebird, she can be found exploring all that her home state of Michigan has to offer.

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Source: http://smallbiztrends.com/2012/10/paypal-improves-credit-offerings-for-small-retailers.html

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Source: http://mycolorscreen.com/2012/10/24/windows-7-wolf-leaves/?utm_source=rss&utm_medium=rss&utm_campaign=windows-7-wolf-leaves

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Junior dos Santos critical of the UFC?s decision to hand Chael Sonnen and Alistair Overeem title shots

UFC heavyweight champion, Junior dos Santos has today spoken out at the decision to hand both Chael Sonnen and Alistair Overeem shots at world titles in the coming months despite seemingly failing to earn the opportunities that have been presented to the two men by their actions outside of the octagon.

Speaking via Brazilian radio station Beat 98, ?Cigano? said:

?It?s kind of out of order. Nowadays, the UFC is prioritizing those fights which will sell well. A prime example of this was Chael Sonnen, who sold his fight very well. Overeem has followed the same path. But, for me, bring it on. I do not run from any challenge, I know I can beat anyone whatsoever. Come whoever comes, I will do my best to go out with a win in the Octagon.?

The champion also spoke about his UFC 155 clash with Cain Velasquez, the man he defeated for the title last November.

?This time, as Cain himself said he wants the fight to be longer, at least the fight will happen. He is an excellent wrestler and I believe he will want to take it to the floor. He will try to do to me what he did with Silva. But I?m not afraid, I am 100% ready to defend the belt. A fight is a fight, you never know how it will be, maybe it will go faster than last time.?

Overeem was due to face Junior dos Santos for the title in May at UFC 146 but was pulled from the fight after his T:E ratio was as high as 14:1. The Nevada State Athletic Commission didn?t take kindly to being lied to in the past by ?The Reem? but did reduce the normal one-year term to nine months after great deliberation.

By Michael Pepper. (Follow me on Twitter)

Why not tell us what you think about this story and get your thoughts featured in this week?s edition of MMABay Radio? Email Mailbag@mmabay.co.uk, start the subject with the word ?RADIO MAILBAG? and we?ll talk about our favourites on the next show.

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Source: http://www.mmabay.co.uk/2012/10/23/junior-dos-santos-critical-of-the-ufc%E2%80%99s-decision-to-hand-chael-sonnen-and-alistair-overeem-title-shots/

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NY?s top court refuses to hear case challenging gay marriage law (Americablog)

Share With Friends: | | Politics - Top Stories Stories, RSS and RSS Feed via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/257907496?client_source=feed&format=rss

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How Human Beings Almost Vanished From Earth In 70,000 B.C.

Robert Krulwich/NPR

Add all of us up, all 7 billion human beings on earth, and clumped together we weigh roughly 750 billion pounds. That, says Harvard biologist E.O. Wilson, is more than 100 times the biomass of any large animal that's ever walked the Earth. And we're still multiplying. Most demographers say we will hit 9 billion before we peak, and what happens then?

Well, we've waxed. So we can wane. Let's just hope we wane gently. Because once in our history, the world-wide population of human beings skidded so sharply we were down to roughly a thousand reproductive adults. One study says we hit as low as 40.

Forty? Come on, that can't be right. Well, the technical term is 40 "breeding pairs" (children not included). More likely there was a drastic dip and then 5,000 to 10,000 bedraggled Homo sapiens struggled together in pitiful little clumps hunting and gathering for thousands of years until, in the late Stone Age, we humans began to recover. But for a time there, says science writer Sam Kean, "We damn near went extinct."

I'd never heard of this almost-blinking-out. That's because I'd never heard of Toba, the "supervolcano." It's not a myth. While details may vary, Toba happened.

Toba, The Supervolcano

Once upon a time, says Sam, around 70,000 B.C., a volcano called Toba, on Sumatra, in Indonesia went off, blowing roughly 650 miles of vaporized rock into the air. It is the largest volcanic eruption we know of, dwarfing everything else...

Robert Krulwich/NPR

That eruption dropped roughly six centimeters of ash ? the layer can still be seen on land ? over all of South Asia, the Indian Ocean, the Arabian and South China Sea. According to the Volcanic Explosivity Index, the Toba eruption scored an "8", which translates to "mega-colossal" ? that's two orders of magnitude greater than the largest volcanic eruption in historic times at Mount Tambora in Indonesia, which caused the 1816 "Year Without a Summer" in the northern hemisphere.

With so much ash, dust and vapor in the air, Sam Kean says it's a safe guess that Toba "dimmed the sun for six years, disrupted seasonal rains, choked off streams and scattered whole cubic miles of hot ash (imagine wading through a giant ashtray) across acres and acres of plants." Berries, fruits, trees, African game became scarce; early humans, living in East Africa just across the Indian Ocean from Mount Toba, probably starved, or at least, he says, "It's not hard to imagine the population plummeting."

Then ? and this is more a conjectural, based on arguable evidence ? an already cool Earth got colder. The world was having an ice age 70,000 years ago, and all that dust hanging in the atmosphere may have bounced warming sunshine back into space. Sam Kean writes "There's in fact evidence that the average temperature dropped 20-plus degrees in some spots," after which the great grassy plains of Africa may have shrunk way back, keeping the small bands of humans small and hungry for hundreds, if not thousands of more years.

So we almost vanished.

But now we're back.

It didn't happen right away. It took almost 200,000 years to reach our first billion (that was in 1804), but now we're on a fantastic growth spurt, to 3 billion by 1960, another billion almost every 13 years since then, till by October, 2011, we zipped past the 7 billion marker, says writer David Quammen, "like it was a "Welcome to Kansas" sign on the highway."

In his new book Spillover, Quamman writes:

We're unique in the history of mammals. We're unique in this history of vertebrates. The fossil record shows that no other species of large-bodied beast ? above the size of an ant, say or an Antarctic krill ? has ever achieved anything like such abundance as the abundance of humans on Earth right now.

But our looming weight makes us vulnerable, vulnerable to viruses that were once isolated deep in forests and mountains, but are now bumping into humans, vulnerable to climate change, vulnerable to armies fighting over scarce resources. The lesson of Toba the Supervolcano is that there is nothing inevitable about our domination of the world. With a little bad luck, we can go too.

We once almost did.

---

Radiolab regular Sam Kean's new book on genetics, The Violinist's Thumb, tells the story of Toba, the supervolcano, to explore how human genes record a "bottleneck" or a drastic narrowing of genetic diversity 70,000 years ago. David Quammen's new book Spillover is about people pushing into forests, swamps and places where viruses have been hiding. Those viruses are now beginning to cross over into horses, pigs, bats, birds and, inevitably, they threaten to "spillover" into us. For a virus, or bacteria, 7 billion potential hosts look like a fantastic opportunity.

Source: http://www.npr.org/blogs/krulwich/2012/10/22/163397584/how-human-beings-almost-vanished-from-earth-in-70-000-b-c?ft=1&f=1007

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Romney could win popular vote -- and lose the election

For Democrats still wounded over the 2000 election?that is to say, any Democrat born before about 1985?2012 could be the year of retribution. There is a distinct possibility that former Gov. Mitt Romney could win the popular vote and still lose the election to President Barack Obama.

In roughly 45 clinical trials, American democracy has produced four presidents who did not win the popular vote: John Quincy Adams in 1824, Rutherford B. Hayes in 1876, Benjamin Harrison in 1888 and George W. Bush in 2000. (There have been 56 presidential elections, but popular vote data doesn't exist for the first 10 or so.) The Food and Drug Administration would soundly reject a drug that caused some horrible disfigurement upward of 10 percent of the time, but Americans appear to tolerate a constitution that rewards the overall loser this often. Consensus on the subject is difficult to build. Even though a majority of Americans support abolishing the Electoral College, the present system only punishes one side or the other at the same time.

National polls swung dramatically in Romney's direction after he trounced Obama in the first debate. The odds that Obama will secure re-election under the Signal's model dipped in tandem, but never below about 60 percent. The reason is so familiar that the O, H, and I keys on my keyboards are wearing thin.

Sources: Betfair, Intrade, IEM, HuffPost Pollster and RealClearPolitics

To be clear, we don't necessarily think Romney will win the popular vote. Standing in national polls does not predict actual vote share, and those polls are swinging back in the president's favor. Romney's odds of winning a majority of the ballots, however, are higher than his odds of winning at least 270 electoral votes. This year, the Electoral College unfairly favors Obama: Romney must carry Florida, Virginia and Ohio, while Obama needs only one of them.

The latest Gallup tracking poll of likely national voters has Romney up by 7 points. A lot of virtual ink has been spilled on how and why Gallup's poll has become an outlier: I suggest Alan Abramowitz, Mark Blumenthal or Nate Silver on the subject.?The more meaningful aggregation of polls at?Pollster and RealClearPolitics both report a statistical tie between Obama and Romney in the national polls.

Of the three states Romney needs to win, Florida (80.0 percent likely for Romney) and Virginia (61.9 percent likely for Romney) are both leaning in his favor. Ohio has stubbornly remained in Obama's camp, with a 65.0 percent chance of going to Democrats. Obama held firm in the state after his Oct. 3 debate debacle, Ohio's economy is doing relatively well, and early voting is already under way, minimizing the impact of late-breaking events.

Let the pundits tie themselves into knots over the latest Gallup poll. As usual, what America wants is immaterial compared to the desires of the Buckeye State.

Follow the state-by-state and overall presidential predictions in real time with PredictWise.com.

David Rothschild has a Ph.D. in applied economics from the Wharton School of Business at the University of Pennsylvania. Follow him on Twitter @DavMicRot.

Source: http://news.yahoo.com/blogs/signal/romney-could-win-popular-vote-lose-election-142347741.html

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Career Services Advisor - HigherEdJobs

Category	Career Services
Division	The Art Institutes
Minimum Education Required	Bachelor's Degree
Job Code	33013
Location	Illinois Institute of Art - Chicago Chicago, IL 60654, US
Open Date	09/30/2012
Travel Required	0 - 20%

Job Summary

Meet the employment and salary goals of graduates assigned. Develop employment opportunities for graduates through various and well established techniques. Maintain detailed employment information and file maintenance on graduates. Incumbent must assure that the EDMC philosophy: quality services to clients; development, growth, involvement and recognition of employees; sound economic principles; and an environment which is conducive to innovation, positive thinking and expansion - is considered in carrying out the duties and responsibilities of this position.

Key Job Elements

• Schedules, conducts, and documents an exit interview with each pending graduate assigned. Maintains a partnership between graduate and the Career Services Center in order to successful assist graduate in finding employment within six months after graduation. Serves as advocate for students/graduates in the job search process, including salary negotiation. Develop, track, report and document graduate employment program, graduate files of employment, and success stories.
• Plans and conducts marketing calls and direct mail marketing follow-up with possible employers. Educates employers on curriculum and competitive compensation. Plans and conducts employer visits and on-campus recruiting. Actively and routinely seeks employer feedback and researches industry trends. Shares this information when appropriate within the school to aid in the development/enhancement of curriculum and successful outcomes for graduates.
• Works closely with the Professional Development Instructors and Director of Career Services to contribute to course content and coach graduates and students on career search strategies, personal marketing, interview skills, self-promotion methods and materials.
• Develops partnership with Student Employment Advisor to maximize field-related opportunities for students as well as with Alumni Coordinator to maximize opportunities for graduates and industry networking
• Other duties as assigned.

Reports To:

Director of Career Services

Directly Supervises:

Work study students as assigned

Interacts With:

Department Academic directors, student services staff, faculty, community relations director, all potential employers of alumni/graduates

Job Requirements

Knowledge:

• Bachelor's degree in business, marketing, commercial art, or related field. Equivalent experience could be considered as substitute for education requirements.
• Two or more years experience in placement/search firm, career counseling, recruitment?or industry-related position, and at least one year experience in a marketing or field-related environment.

Skills:

• Excellent written and verbal communication skills.
• Strong interpersonal skills with both faculty and student population.
• Superior organizational and problem resolution skills.
• Strong basic computer software (MS Office) skills.

Abilities:

• Ability to interact effectively as a member of a team and work collaboratively with other departments.
• Ability to listen to customers (e.g. students, staff, etc.) and to understand and respond positively to their requests.
• Ability to work without close supervision and to set one's own priorities and work schedule.
• Ability to work effectively under pressure and to meet frequently occurring deadlines.
• Ability to conduct business with attention to ethical considerations, employment law and school/accreditation guidelines.

Candidates must be available evenings and Saturdays.

Work Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform the essential functions. The term "qualified individual with a disability" means an individual with a disability who, with or without reasonable accommodation, can perform the essential functions of the position. While performing the duties of this job, the employee is regularly required to communicate professionally in person, over the telephone, through email and other electronic means, move about the office or school, handle various types of media and equipment, and visually or otherwise identify, observe and assess. The employee is occasionally required to lift up to 10 pounds unless otherwise specified in the job description.

Notice

The intent of this job description is to provide a representative and level of the types of duties and responsibilities that will be required of positions given this title and shall not be construed as a declaration of the total of the specific duties and responsibilities of any particular position. Employees may be directed to perform job-related tasks other than those specifically presented in this description. Education Management Corporation is an Equal Opportunity Employer and embraces diversity as a critical step in ensuring employee, student and graduate success. We are committed to building and developing a diverse environment where a variety of ideas, cultures and perspectives can thrive.

The Illinois Institute of Art is an Equal Opportunity Employer.

Source: http://www.higheredjobs.com/details.cfm?JobCode=175684056

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Trendy jacket maker Canada Goose claims win in knockoff battle

Trendy winter jacket maker Canada Goose Inc. is touting what it says is a landmark victory in its stepped-up battle against cheap knockoffs.

The Canadian company ? known for its super-warm, stylish parkas with coyote-fur-trimmed hoods ? says the District Court of Stockholm has found five Swedish nationals guilty of felony fraud, trademark infringement and customs offences in a sophisticated racket selling fake Canada Goose jackets.

More Related to this Story

The court sentenced two of the defendants to time in prison and awarded Canada Goose 701,000 SEK ($105,000 Canadian) in damages.

Bought in Thailand and repackaged in Sweden, the thousands of fakes were of poor quality in fabric and detailing and used raccoon dog fur instead of coyote, the company said in a news release.

A number of aliases and a false Swedish business name were used by the defendants, says Canada Goose, which has been leading a high-profile campaign against counterfeiting over the past several years after seeing a proliferation of fake jackets using its brand name and styles.

The scheme?s mastermind was arrested in Bangkok in May, 2012, and extradited to Sweden for trial.

?This is a clear victory in protecting intellectual property and consumers, and its sends a strong message that counterfeiters will not be tolerated,? Canada Goose vice-president of global marketing Kevin Spreekmeester, said in a statement.

Among materials used in imitation Canada Goose jackets are feather mulch and other fillers which are often coated in bacteria, fungus, mildew and even feces, says the company.

The fakes also don?t use real down or fur and don?t provide the warmth and protection in extreme cold, presenting a threat to unwitting consumers, it said.

Sweden?s District Court said in its judgment that an estimated 10 per cent of all goods sold in the European Union are counterfeit.

Canada Goose?s fight against fakes includes a primer on counterfeiting on its website that asks consumers who suspect they may be the victims of fraud to contact the RCMP?s anti-fraud centre.

Canada Goose jackets sell for about $800, while illegal copies go for much less.

The growing popularity of online shopping has fueled the rise of counterfeiting, making it easy to set up websites using fake addresses.

The global economic downturn has also helped boost the popularity of fake high-end branded products.

Techniques Canada Goose uses to fight counterfeiting include sewing holograms into the seams of its parkas.

The company ? founded in 1957 by Sam Tick as a manufacturer of extreme weather clothing and expedition gear -- says counterfeiting has bumped up its cost of doing business by six figures every year.

Joe S?dow, Canada Goose?s vice-president of European sales, said in an interview that the Swedish case goes back a couple years, when he started getting e-mails from people asking if jackets being sold as authentic Canada Goose items might not be the real deal, given that they were retailing for less than the wholesale price.

After a little sleuthing, Mr. Sudow says he managed to track down one of the perpetrators, who told him he got the jackets at a ?going-out-of-business sale? in France. ?I knew there was no close-out sale in France,? said Mr. Sudow.

That led to close collaboration with Swedish police and tax and customs authorities, he said.

?We chased this guy for many years,? he said.

More Related to this Story

Source: http://www.theglobeandmail.com/globe-investor/trendy-jacket-maker-canada-goose-claims-win-in-knockoff-battle/article4630610/?cmpid=rss1

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ST Electronics embarks on R&D of Smart Utilities Solutions | Eco ...

Singapore Technologies Electronics Limited (ST Electronics), will be embarking on more in-depth Research and Development (R&D) activities in Smart Utilities solutions and technologies with the support of the Singapore Economic Development Board (EDB).? ST Electronics has over the past few years, offered its innovative Smart Utilities products, solutions and services to large cities to help them address urbanisation, sustainability and environmental challenges. This announcement is made in conjunction with the Singapore International Energy Week 2012.

Through this R&D initiative, ST Electronics will enhance its Smart Utilities solutions and applications to benefit the development of large sustainable cities.? ST Electronics will tap EDB?s broad network of related industry knowledge, and extend its existing competencies in Smart Utilities to offer a more comprehensive suite of integrated smart utilities solutions to help build more efficient, clean and safe cities.

The Smart Utilities R&D will focus on enhancing smart resource management, distribution and consumption management of utilities (electricity, water and gas). This includes the provision of robust and converged multi-utility network infrastructure to facilitate integrated electricity, water and gas management.? This solution capitalises on ST Electronics? advanced communications technologies, comprehensive security suite and a highly flexible and scalable network management system to address different deployment scenarios.

Apart from supply and demand management, the ST Electronics? Smart Utilities suite will support timely and reliable information collection and facilitate a higher level of competition in the utility retail market that will eventually lead to increased operational efficiency, utility resource optimisation and cost savings for utilities service providers/retailers.

No stranger in the Smart Utilities arena, ST Electronics participated in Singapore?s Energy Market Authority?s Intelligent Energy System (IES) pilot project. ST Electronics is designing and implementing the critical infrastructure to enable smart grid applications for Phase 1 of the IES pilot project.? The company is also developing and implementing important segments of an Intelligent Water Management System (IWMS) in Singapore. The IWMS will visually display critical information including the location of water incidents such as damaged or leaking pipes. Response teams can quickly be despatched and provided with accurate information and route guidance.

ST Electronics has also delivered more than four million automatic meter readers in North America, Europe and India.? It has recently been awarded a major contract by Arad Technologies Ltd, a world leading supplier of smart water meters, to supply Automatic Meter Reading (AMR) radio transceivers to be deployed with Arad?s AMR solutions in China, Europe, India and the US markets.

?We are pleased that ST Electronics is making a strategic move into Smart Utilities as a new growth frontier. This fast-growing sector will help further diversify Singapore?s clean technology industry into smart grids and energy management. Through the close partnership with our government agencies, this R&D centre is aligned with Singapore?s position as a ?Living Laboratory? where companies can develop, test, prove and commercialise innovative green solutions for global and Asian markets.?

~ YEOH Keat Chuan,

Managing Director, Singapore Economic Development Board

?Large cities will be a joy to live in provided they are safe, clean and efficient.? Our Smart Utilities systems will allow city planners to improve operational efficiencies through better management of water, electricity and gas distribution.? We are excited by what technology could offer and we look forward to close partnership with EDB and research institutions to enhance our value proposition.?

~ LEE Fook Sun,

President, ST Electronics

ST Electronics (Singapore Technologies Electronics Limited), the electronics arm of public listed? ST Engineering, delivers innovative system solutions to government, commercial, defence, and industrial customers worldwide. With a presence in more than 20 countries, ST Electronics markets its solutions to more than 100 countries internationally. It specialises in the design, development and integration of advanced electronics and communications systems, such as broadband radio frequency and satellite communication, e-Government solutions, information communications technologies and IT, rail and traffic management, real-time command and control, modelling and simulation, interactive digital media, intelligent building management and information security. Please visit www.stee.stengg.com.

Media Contacts:

Magdalen Loh
AVP/Head, Corporate Communications
ST Electronics
Email: magloh@stee.stengg.com

Source: http://www.eco-business.com/press-releases/st-electronics-embarks-on-rd-of-smart-utilities-solutions/

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