Sunday, September 30, 2012

Wall Street eyes best third quarter since 2010

NEW YORK (Reuters) - Wall Street was set to finish its best third quarter since 2010 after a wave of central bank actions sparked a dramatic reversal in equity markets, but signs of weakness in the economy on Friday pushed stocks lower and raised questions about the rally.

The S&P 500 advanced 5.9 percent over the past three months were mainly due to expectations central banks would boost their economies. That brings the benchmark index's yearly advance to 15 percent.

But on Friday investors grappled with disappointing U.S. economic data. The Institute for Supply Management-Chicago's index of Midwest business activity showed contraction for the first time since 2009, falling to 49.7 in September from 53.0 in August.

The data follows other weak regional manufacturing reports and a sharp drop in durable goods orders last month.

"The reality is that the fundamentals of the market certainly don't support a 17-plus percent run up year-to-date, but with all the QE (quantitative easing) action, that has had a huge, huge impact," said Oliver Pursche, president at Gary Goldberg Financial Services in Suffern, New York.

The Dow Jones industrial average <.dji> dropped 33.98 points, or 0.25 percent, to 13,451.99. The Standard & Poor's 500 Index <.spx> fell 4.07 points, or 0.28 percent, to 1,443.08. The Nasdaq Composite Index <.ixic> lost 13.00 points, or 0.41 percent, to 3,123.60.

However, stocks were off their lows of the day after Spanish bank stress tests were mostly within expectations. The independent audit showed banks will need 59.3 billion euros ($76.3 billion) in extra capital to ride out a serious downturn.

Meanwhile, Moody's review of Spain's credit rating, due later in the day, could add to its challenges.

The final reading on the Thomson Reuters/University of Michigan survey on consumer sentiment was also less than expected, though it advanced to its highest in four months.

U.S. consumer spending rose in August by the most in six months as households stretched to pay for higher gasoline prices, according to a Commerce Department report.

Recent protests in Greece and Spain against austerity plans have also heightened investors' concerns as the turmoil could impede political maneuvering.

Trading was light on the quarter's last day when money managers reposition their portfolios.

Reflecting the defensive tone, nine of the 10 S&P sectors fell. Only the S&P utilities index <.gspu> was positive, up just 0.4 percent.

The decline in the S&P technology sector index <.gspt> was limited, as Accenture PLC climbed 7.6 percent to $70.39. Accenture's gain followed its forecast of full-year earnings higher than analysts' estimates as the company bolsters its outsourcing business.

Elsewhere in the tech arena, U.S.-listed shares of Research in Motion jumped 6.3 percent to $7.60 a day after a smaller-than-expected quarterly loss.

Nike Inc warned of slowing orders in China, becoming the latest company to sound a note of caution about how economic weakness in the world's second-largest economy was affecting its business. Nike's stock fell 0.5 percent to $95.55.

The S&P 500 is down 1.2 percent this week so far, putting the index on track for its second consecutive weekly decline and worst weekly percentage drop since early June as markets have struggled to maintain upward movement after the Fed's latest stimulus plan announced on September 13.

(Editing by Kenneth Barry)

Source: http://news.yahoo.com/stock-index-futures-point-slightly-higher-081153117--finance.html

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Obama calls on Congress to approve refinance plan

President Barack Obama arrives to speak at a campaign event in Washington, Friday, Sept. 28, 2012, (AP Photo/Susan Walsh)

President Barack Obama arrives to speak at a campaign event in Washington, Friday, Sept. 28, 2012, (AP Photo/Susan Walsh)

(AP) ? Citing historically low mortgages, President Barack Obama is pressing Republicans to back housing policies the White House says would help struggling homeowners refinance their debts and prevent foreclosures.

Obama is blaming congressional Republicans for not passing legislation he proposed in February that would lower lending rates for millions of borrowers who have not been able to get out from under burdensome mortgages. Republicans have objected, citing among other things the estimated $5 billion to $10 billion cost of the proposal.

"Here we are - seven months later - still waiting on Congress to act," Obama said Saturday in his weekly radio and Internet address.

Congress has recessed and is not scheduled to return until after the November elections.

"Instead of worrying about you, they'd already gone home to worry about their campaigns," the president said.

Obama's push comes as home prices have been rising across the United States. National home prices increased 1.2 percent in July, compared with the same month last year, according to the Standard & Poor's/Case Shiller index released Tuesday.

In the Republican weekly address, Arizona congressional candidate Vernon Parker said the U.S. corporate tax rate is pushing jobs overseas. He said he agrees with GOP presidential candidate Mitt Romney and his running mate, Paul Ryan, "that we need to stop all the looming tax hikes and develop a pro-growth tax code that brings jobs home and keeps jobs here."

He also called for the repeal of Obama's health care law.

___

Obama address: www.whitehouse.gov

GOP address: http://tinyurl.com/cn8dbek

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/89ae8247abe8493fae24405546e9a1aa/Article_2012-09-29-Obama/id-f7a5cd62e0e848bca2c4e66e86e448e5

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Saturday, September 29, 2012

Putin rolls back protege's modest liberal legacy

Russian President Vladimir Putin, left, and Russian Prime Minister Dmitry Medvedev meet in the Novo-Ogaryovo residence outside Moscow, Thursday, Sept. 27, 2012. A year ago, Dmitry Medvedev showed an unswerving loyalty to his mentor Vladimir Putin when he refused to seek a second presidential term and agreed to swap jobs. But Medvedev?s self-denial hasn?t prevented Putin from systematically rolling back indecisive and half-hearted attempts at liberal reforms made by his pliant placeholder during four years in the Kremlin. That campaign has seen the revision of Medvedev?s laws, the reversal of some of his key policies and even rolling back his initiative to move the clock. (AP Photo/RIA-Novosti, Dmitry Astakhov, Government Press Service)

Russian President Vladimir Putin, left, and Russian Prime Minister Dmitry Medvedev meet in the Novo-Ogaryovo residence outside Moscow, Thursday, Sept. 27, 2012. A year ago, Dmitry Medvedev showed an unswerving loyalty to his mentor Vladimir Putin when he refused to seek a second presidential term and agreed to swap jobs. But Medvedev?s self-denial hasn?t prevented Putin from systematically rolling back indecisive and half-hearted attempts at liberal reforms made by his pliant placeholder during four years in the Kremlin. That campaign has seen the revision of Medvedev?s laws, the reversal of some of his key policies and even rolling back his initiative to move the clock. (AP Photo/RIA-Novosti, Dmitry Astakhov, Government Press Service)

Russian President Vladimir Putin, left, and Russian Prime Minister Dmitry Medvedev, during their meeting at the Novo-Ogaryovo residence outside Moscow, Thursday, Sept. 27, 2012. A year ago, Dmitry Medvedev showed an unswerving loyalty to his mentor Vladimir Putin when he refused to seek a second presidential term and agreed to swap jobs. But Medvedev?s self-denial hasn?t prevented Putin from systematically rolling back indecisive and half-hearted attempts at liberal reforms made by his pliant placeholder during four years in the Kremlin. That campaign has seen the revision of Medvedev?s laws, the reversal of some of his key policies and even rolling back his initiative to move the clock. (AP Photo/RIA-Novosti, Dmitry Astakhov, Government Press Service)

Russian President Vladimir Putin, left, and Russian Prime Minister Dmitry Medvedev, during their meeting at the Novo-Ogaryovo residence outside Moscow, Thursday, Sept. 27, 2012. A year ago, Dmitry Medvedev showed an unswerving loyalty to his mentor Vladimir Putin when he refused to seek a second presidential term and agreed to swap jobs. But Medvedev?s self-denial hasn?t prevented Putin from systematically rolling back indecisive and half-hearted attempts at liberal reforms made by his pliant placeholder during four years in the Kremlin. That campaign has seen the revision of Medvedev?s laws, the reversal of some of his key policies and even rolling back his initiative to move the clock. (AP Photo/RIA-Novosti, Dmitry Astakhov, Government Press Service)

Russian President Vladimir Putin, left, and Russian Prime Minister Dmitry Medvedev, during their meeting at the Novo-Ogaryovo residence outside Moscow, Thursday, Sept. 27, 2012. A year ago, Dmitry Medvedev showed an unswerving loyalty to his mentor Vladimir Putin when he refused to seek a second presidential term and agreed to swap jobs. But Medvedev?s self-denial hasn?t prevented Putin from systematically rolling back indecisive and half-hearted attempts at liberal reforms made by his pliant placeholder during four years in the Kremlin. That campaign has seen the revision of Medvedev?s laws, the reversal of some of his key policies and even rolling back his initiative to move the clock. (AP Photo/RIA-Novosti, Dmitry Astakhov, Government Press Service)

Russian President Vladimir Putin, left, and Russian Prime Minister Dmitry Medvedev, during their meeting at the Novo-Ogaryovo residence outside Moscow, Thursday, Sept. 27, 2012. A year ago, Dmitry Medvedev showed an unswerving loyalty to his mentor Vladimir Putin when he refused to seek a second presidential term and agreed to swap jobs. But Medvedev?s self-denial hasn?t prevented Putin from systematically rolling back indecisive and half-hearted attempts at liberal reforms made by his pliant placeholder during four years in the Kremlin. That campaign has seen the revision of Medvedev?s laws, the reversal of some of his key policies and even rolling back his initiative to move the clock. (AP Photo/RIA-Novosti, Dmitry Astakhov, Government Press Service)

(AP) ? President Vladimir Putin is turning back the clock on his predecessor's reforms ? literally.

This week, Putin signaled his intent to reverse one of the few high-profile reforms Dmitry Medvedev enacted while president: keeping Russia stuck in summer time all year after clocks sprang forward in March. It's perhaps an apt symbol of Putin's relentless drive to roll back even the modest liberal legacy left behind by his protege, who made timid attempts at modernization as president but never emerged from the shadow of his patron ? and meekly agreed to step down to let him reclaim the top job.

One by one, each of Medvedev's reforms ? from decriminalizing slander to purging the boards of state-run companies of government officials ? has been swept aside. Observers see it as part of a new tough course taken by Putin in response to massive winter protests against his rule, an indication that he sees no need for a compromise with the opposition. Suspicions are also rife that Putin may even be gearing up to dump Medvedev, his longtime political partner, as prime minister.

Nobody believed that Medvedev would really be in charge when he took over as president in 2008, while Putin moved into the prime minister's seat to observe a constitutional limit of two consecutive terms.

But he led many to believe that he may at least soften Putin's autocratic ways, especially when he proclaimed in a speech that "freedom is better than non-freedom." He heartened many by promising to allow greater political competition, champion media freedoms, liberalize the economy and fight graft.

In the end, he fulfilled few of these pledges, leaving the tightly controlled political system largely intact, while Putin made it abundantly clear that he remained Russia's paramount leader. A year ago, Medvedev showed unswerving loyalty to Putin when he refused to seek a second presidential term and agreed to swap jobs.

Medvedev now sees himself sinking further into irrelevance.

The latest blow came with Putin's comments on his protege's time switch initiative, which had angered many Russians because it meant they would have to trudge to work in pitch darkness during the nation's long winter. Medvedev had argued that keeping clocks on summer time helped farmers. Putin told reporters Tuesday that Medvedev "isn't fixed on his decision" ? a comment that appears to signal that the measure is doomed.

A humiliating revision of his own move would further erode Medvedev's popularity, making it easier for Putin to sack him in the future if he decides to do so. A recent poll by the VTsIOM opinion research center showed Medvedev's approval rating dropping to just over 20 percent this month, half of the level during his presidency. The same poll showed Putin's approval rating staying stable at around 50 percent.

In one sign of fraying ties in the leadership duo, Putin spokesman Dmitry Peskov told The Associated Press this week when asked about claims that some members of Putin's inner circle held Medvedev responsible for the explosion of anti-Kremlin protests over the winter that "it's not a secret that during Medvedev's presidency some mistakes were made."

Last winter's protests, which drew more than 100,000 people demanding an end to Putin's role into the frigid streets of Moscow, were the biggest Russia saw since the 1991 collapse of the Soviet Union. Clearly shocked, Putin blamed the U.S. for staging the demonstrations and squarely focused his campaign on his core support group of blue-collar workers and state employees.

After his inauguration in May, Putin quickly struck back at his political foes with a series of repressive bills that slapped hefty fines on participants in unsanctioned rallies and required foreign-funded non-governmental organizations, such as rights watchdogs and election monitoring groups, to register as "foreign agents" in a bid to undermine their credibility with Russians.

Medvedev's firm support for Barack Obama's policy of "resetting" ties with Russia, which suffered during George W. Bush's presidency, has given way to a barrage of anti-U.S. comments by Putin and his lieutenants. Earlier this month, Moscow halted the U.S. Agency for International Development's two decades of work in Russia saying it was meddling in elections ? a claim Washington denied.

Opposition activists have faced interrogations and searches, and three members of the feminist rock band Pussy Riot were sentenced to two years in prison in August for a "punk prayer" for deliverance from Putin in Moscow's main cathedral.

Liberal initiatives of Medvedev's presidency looked increasingly out of place amid the crackdown on dissent, and the Kremlin quickly moved to repeal them.

The parliament controlled by Putin's loyalists quickly reversed Medvedev's law decriminalizing slander, giving law enforcement authorities a new weapon against dissent.

The presidential human rights council, which Medvedev filled with Kremlin critics, was quickly reshuffled to purge them, and a bill widely expanding the definition of high treason that Medvedev shelved in 2008 received a unanimous preliminary approval in parliament last week.

Medvedev's directive to remove government officials from boards of giant state-controlled companies has been reversed. And Putin's lieutenants, like energy czar Igor Sechin, successfully resisted a push for control over energy revenues by Medvedev loyalists. Medvedev himself has avoided meddling in those disputes and sought to demonstrate his loyalty to Putin.

Medvedev faced more trouble this month, when Putin gave a dressing down to several Cabinet ministers, saying that they had failed to fulfill his directives on drafting the next budget. It was an oblique criticism of Medvedev himself ? as he leads the Cabinet and is in charge of the economy.

Alexei Makarkin, a leading analyst with the Center for Political Technologies, an independent Moscow-based think-tank, said that such criticism could be repeated and would help set the stage for Medvedev's ouster in the future.

"He would be unlikely to remain the prime minister for the entire Putin's term in office," Makarkin said.

____

Lynn Berry contributed to this report.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2012-09-29-Russia-Turning%20Back%20the%20Clock/id-7f3c0c61dfec4374b71bfb098156a76c

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Friday, September 28, 2012

US Navy tests mine-seeking sub during Gulf drills

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Netanyahu's cartoon Iran bomb timed to make big impact

NEW YORK (Reuters) - The "Bibi bomb" was born of days of discussions between Israeli Prime Minister Benjamin Netanyahu and a brain trust of close advisers on how to make a powerful impact in yet another speech on Iran's nuclear program.

"The diagram made his address special," a senior official in Netanyahu's entourage said on Friday about the cartoonish drawing of a bomb the Israeli leader, who is nicknamed "Bibi," used at the U.N. General Assembly as a prop to illustrate what he sees as Iran's drive for an atomic weapon.

It may have raised a titter on Twitter, where the New Yorker magazine quipped, "if Wile E. Coyote ever gets hold of this, the Roadrunner is toast." But the graphic got what Israel was hoping for - attention.

Such a Looney Tunes analogy would not have been lost on Netanyahu, who was educated in the United States, and at least one of his top advisers, Ron Dermer, who was born there and immigrated to Israel.

But on the world stage at the U.N. General Assembly, Netanyahu took out a marker and dramatically drew a red line just below a label reading "final stage" to a bomb, in which Iran would be 90 percent along the path to having sufficient weapons-grade material.

"I tried to say something yesterday that I think reverberates now around the world," Netanyahu said at a meeting on Friday with Canadian Prime Minister Stephen Harper.

Iran denies allegations by Israel, widely believed to be the Middle East's only nuclear power, that it is enriching uranium in order to build a weapon.

"USEFUL TOOL"

So who was the father of the "Bibi bomb?"

The Israeli official would not say.

"He's got a small group of close advisers," the official said. "In different meetings, people throw out all sort of ideas. Ultimately, the prime minister makes a decision which ideas to accept."

The team met for days, proposing "countless drafts" and a decision was made that "by using the diagram, the people would get the message - people would understand", the official added, calling the drawing "a useful tool."

He said he did not know who actually drew the bomb or if it had been copied from a computer graphics program. And, as with any Netanyahu speech, it's unclear until the last moment what stays in and what is left out.

"He's making changes until the very end. He was making changes as he was being introduced in Congress last year," the official said about Netanyahu's address to a joint meeting of the U.S. legislature in May 2011.

Netanyahu has also done some public sketching in the past.

While he was finance minister from 2003 to 2005, Netanyahu illustrated the burden of Israel's bloated public sector on the economy by drawing stick figures of a thin man - private enterprise - carrying the weight of a heavy man on his back.

At a news conference in April, he used a tablet, projected onto a large screen, to draw a tree whose fruit and stability he said symbolized his government's achievements.

AUDIO-VISUAL AIDS AT THE U.N.

It is not the first time visual or audio props have been used to make a point at the United Nations.

During the 1962 Cuban missile crisis U.S. Ambassador to the United Nations Adlai Stevenson unveiled during a televised U.N. Security Council meeting photos taken by U-2 spy planes of Soviet missiles and launch pads on Cuba and dramatically confronted Soviet Ambassador Valerian Zorin with the charges.

In 1983, U.S. Ambassador Jeane Kirkpatrick played an audio recording of a Soviet interceptor pilot involved in the shooting down of Korean Airlines flight 007 over the Sea of Japan, which killed all 269 passengers and crew. Afterward, it was impossible for the Soviets to deny their involvement.

U.S. Secretary of State Colin Powell's February 2003 speech to the U.N. Security Council in which he presented intelligence about Iraqi leader Saddam Hussein's alleged nuclear, biological and chemical weapons programs was less successful.

Perhaps attempting to follow in Stevenson's and Kirkpatrick's footsteps, Powell's speech employed images, audio recordings, even a vial of white powder that was intended to look like enough anthrax to kill the entire U.S. Senate.

That speech, based on evidence now known to have been erroneous, did nothing to sway the skeptical French, Russians and Germans. They eventually forced the frustrated United States and Britain to abandon their efforts to secure a green light from the United Nations for the March 2003 invasion of Iraq.

In 2009, the late Libyan leader Muammar Gaddafi held up a copy of the U.N. charter and tossed it over his shoulder during a rambling 1-1/2 hour speech to the General Assembly. It was his first and last U.N. speech.

Also that year at the General Assembly, Netanyahu displayed a copy of the blueprints for the Nazi death camp Auschwitz to decry Iranian President Mahmoud Ahmadinejad's denial of the Holocaust.

(Additional reporting by Louis Charbonneau; editing by Christopher Wilson)

Source: http://news.yahoo.com/netanyahus-iran-cartoon-bomb-timed-big-impact-163812078.html

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Thursday, September 27, 2012

The Spectacle of Bloodshed in Roman Society - Roman News and ...

Via?HISTORY OF THE ANCIENT WORLD
?The death of humans usually constitutes a spectacle, a disturbing sight which is awful in both senses of the word, an eerie yet intriguing phenomenon demanding acknowledgement and attention.? ?Despite the death that surrounded their lives, either from battle or as part of religious sacrifices, ancient Romans also viewed the shedding of human blood as entertainment. For example, gladiatorial combats originated as part of wealthy citizen?s funeral ceremonies to symbolize the human struggle to avoid death, but eventually developed into widespread, popular spectacles of bloodshed in Roman society. Spectacles of death were not only relatively normal events in ancient Rome, but were looked forward to by both the peasant and aristocratic classes and men and women alike. Death as sport was a common occurrence and in fact, Romans of all classes attended, accepted, and enjoyed the games. Throughout the arenas and amphitheatres of Rome, spectacles of death included gladiatorial combats, ritualized executions and animal hunts and these served the purpose of entertaining, punishing the people, serving as an example to other citizens, promoting interactions between the emperor and the ruled and even providing meals and meat rations to Roman citizens. Therefore, it is clear that the spectacle of bloodshed served a practical and significant purpose in Roman society.

Blood shows, known as munera, became a spectator sport in ancient Rome, and the main purpose for holding such an event was to entertain the crowds. According to Donald G. Kyle, in his book Spectacles of Death in Ancient Rome, these spectacles played a major role in the festivals, social life, and public interactions of ancient Roman citizens for over a millennium. These events were popular, and Romans of all classes found something redeeming or entertaining about the shows: ?[T]he Roman games are ludi, amusements, entertainments? and the performers exist for the spectators.? Many of these spectators saw the bloodshed and death of the gladiators as fun and even relaxing. Romans flocked to the arenas in the thousands. The popularity of these shows can be explained by the Roman love and desire for violence. To exemplify these Roman values, in the spectacles of the Roman amphitheatre the death of the gladiator was not trivial but, instead, was often the entertainment?s climax. Gladiators often died in these sports and if, by chance, their lives were spared, it was only because the provider of the games wished to spare him. Romans were attracted to the arena ?by the allure of violence, by the exotic and erotic sights, and by an appreciation of the skill and courage of some of the participants??

Source: http://romanarcheo.blogspot.com/2012/09/the-spectacle-of-bloodshed-in-roman.html

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Apple, Oracle lead Nasdaq lower

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Financial | Emerging Opportunities in the Nigerian Consumer ...

Aarkstore announce a new report "Emerging Opportunities in the Nigerian Consumer Finance Market: Market Size, Strategies, Products" through its vast collection of market research report.

ListFree.org (Press Release) - Wednesday, September 26th, 2012 -

Aarkstore.com announces, a new market research report is available in its vast collection:

Emerging Opportunities in the Nigerian Consumer Finance Market: Market Size, Strategies, Products and Competitive Landscape: Market Profile

http://www.aarkstore.com/reports/Emerging-Opportunities-in-the-Nigerian-Consumer-Finance-Market-Market-Size-Strategies-Products-and-Competitive-Landscape-Market-Profile-226647.html

Synopsis
The report provides market analysis, information and insights on the Nigerian consumer finance market, including:
? Current and forecast values for the Nigerian consumer finance market
? Comprehensive analysis of the industry?s market attractiveness and key trends and drivers supporting the growth of the consumer finance market in Nigeria
? Detailed analysis of the marketing strategies adopted by banks in Nigeria for selling consumer loans
? Detailed analysis of the challenges affecting the Nigerian consumer finance market
? Company profiles of the major banks in the Nigerian consumer finance market

Summary
The Nigerian consumer finance market recorded strong growth during the review period and was valued at NGNXX trillion (US$XX billion) in 2011. It is projected to register a CAGR of XX% over the forecast period to reach a value of NGNXX trillion (US$XX billion) by 2016. The strong growth will be driven by the countrys improving macroeconomic conditions, government intervention and rising domestic demand for consumer finance products.

Personal loans (consumer durables, purchases against securities and personal consumption loans) occupy the largest share the market was valued at NGNXX trillion (US$ XX billion) in 2011 and recorded a CAGR of XX% during the review period. The category is expected to grow at a CAGR of XX% to reach NGNXX trillion (US$XX billion) by 2016.

Scope
? This report provides an extensive analysis of the consumer finance market in Nigeria
? It details historical values for the consumer finance market in Nigeria for 2007?2011, along with forecast figures for 2012?2016
? The report provides a detailed analysis on key trends, drivers, marketing strategies and challenges in the consumer finance market in Nigeria
? It outlines the current regulatory frameworks in the industry
? It details the marketing strategies adopted by various banks
? It profiles the major banks in Nigeria

Reasons To Buy
? Make strategic business decisions using historic and forecast market data related to the Nigerian consumer finance industry
? Understand the key market trends and growth opportunities within the Nigerian consumer finance market
? Assess the competitive dynamics in the Nigerian consumer finance market
? Gain insights in to the marketing strategies adopted by banks to sell consumer finance products
? Gain insights into key regulations governing the consumer finance market in Nigeria

Table of Contents :

1 Sub-Saharan Africa ? Consumer Finance Market Benchmarking
1.1 Sub-Saharan Africa ? Consumer Finance Market Dynamics
1.1.1 Housing loans
1.1.2 Personal loans
1.1.3 Auto loans
1.1.4 Credit card loans
1.1.5 Education loans
1.2 Macroeconomic Factors
2 Consumer Finance Market in Nigeria
2.1 Future Outlook of Consumer Finance in Nigeria
2.2 Nigerian Consumer Finance Market Dynamics
2.2.1 Macroeconomic fundamentals
2.2.2 Consumer attitude towards credit
2.2.3 Key performance indicators
2.2.4 Regulatory framework
2.3 Nigerian Consumer Finance Market Size and Growth Potential
2.3.1 Overview
2.3.2 Personal loans
2.3.3 Credit card loans
2.3.4 Auto loans
2.3.5 Housing loans
2.3.6 Education loans
2.4 Key Trends and Growth Drivers for the Nigerian Consumer Finance Market
2.5 Industry Structure and Competitive Landscape
2.5.1 Market shares of Nigerian banks by asset size
2.5.2 Company profiles
2.6 Strategies
2.6.1 Marketing and product strategies
2.6.2 Market entry strategies
2.6.3 Growth strategies
2.7 Challenges
3 Appendix
3.1 About BRICdata
3.1.1 Exchange rate
3.1.2 Areas of expertise
3.2 Methodology
3.3 Disclaimer

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NYC Dads and Stay At Home Dads Group: Fox News Live: Talking ...

Today, I had the opportunity to discuss resources for expectant fathers as they navigate parenthood with Rick Folbaum, Fox News, who is a dad with four children! We touched upon a program that we are passionate about - New Dad BootCamp Workshops. It's refreshing to be interviewed by a dad who "gets" the big picture of fatherhood and knows that dad can be involved, nurturing, and competent. Above is our interview - let us know what you think.

Source: http://www.nycdadsgroup.com/2012/09/fox-news-live-talking-fatherhood-with.html

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Striking and Spacious Family Home | Mackenzie Smith

Posted on by Stephen Tetlow

This extended mature detached house with Georgian styling and striking white pillars is situated on a generous plot in a semi rural location between the villages of Hartley Wintney and Odiham.

The spacious entrance hall leads to the 25ft ?L? shaped living room /dining room which provides plenty of space for the family to unwind in the living room area whilst still accommodating a sizeable dining table in the dining area. The focal point of the room is a large natural brick fireplace with coal effect gas fire. There is also an office, ideal for home working or studying and a cloakroom accessed from the entrance hall.

The practically styled kitchen /breakfast room provides a range of fitted units with tiled work surfaces, space for appliances and part tiled walls. To the breakfast area there is some fitted bench seating.

The kitchen/breakfast room provides access to the ?rear hall?, as part of the extension this portion of the house serves well as either additional living accommodation or as an annexe to the main house. This portion can also be accessed via the rear of the property and provides a wet room with ?Mira? electric shower and further two piece suite in addition to a 19ft reception room with brick fireplace, bay window and sliding doors to the side of the property and swimming pool.

The galleried first floor landing grants access to the four bedrooms, the master benefitting from a large fitted wardrobe and en suite bathroom. The three other bedrooms are also equipped with built in storage and all make use of the family bathroom.

Screened by trees and mature bushes the private rear garden extends round to the side of the property where the patio and swimming pool are found along with a tool shed and pool shed. There is a detached workshop building in the rear garden. The front garden provides an area of tarmac providing parking for several vehicles, a charming mature pond and an area of lawn and planting to each side.

Facing open countryside the front elevations of the house enjoy an uninterrupted view. Standing in tree fringed grounds the house provides an ideal environment for those who seek a home with a variety of facilities be it the countryside on the doorstep or at nearby Hartley Wintney, Fleet or Basingstoke.

The current owner commented ?Nearly 20 years ago, we looked for a home for our large family.? This is a lovely spacious house and the garden and swimming pool have given us lots of room to enjoy.? We love the view from the front of the house across the fields and often sit watching the birds and wild life.? We needed space when an elderly relative came to live with us.? The family room was perfect to give her the security and privacy she needed, including her own bathroom and access to the kitchen.?

Now on the market at ?550,000 through the Hartley Wintney Office, call 01252 844015 for further information or to arrange a viewing.

Click here to view property detials

?? ? ? ?

Source: http://blog.mackenziesmith.co.uk/general/striking-and-spacious-family-home/

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Tuesday, September 25, 2012

HuffingtonPost Launches Italian Edition, 9 Months After Announcing It. UK Now Has 4.1M Monthly Users

huffington post italy berlusconiHuffingtonPost?continues?ahead with its international expansion: the news blog today formally announced its Italian edition, L'Huffington Post, in partnership with Italian newspaper publishers Gruppo Espresso, adding to a stable that includes, in addition to the U.S., sites in the UK, Canada, France and Spain.?But for a company that has built its business partly on a quick turnaround of the most viral internet content, it's moved fairly slow on this one: the plans for Italy were first made public?more than 9 months ago. "I feel a kinship with a fellow Mediterranean land where someone is always trying to get you to eat something and nothing starts on time," the sites' editor-in-chief, Arianna Huffington notes, perhaps somewhat ironically, at the top of her post announcing the news.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/Zo8LVne8u30/

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New tool for CSI? Geographic software maps distinctive features inside bones

ScienceDaily (Sep. 25, 2012) ? A common type of geographic mapping software offers a new way to study human remains.

In a recent issue of the American Journal of Physical Anthropology, researchers describe how they used commercially available mapping software to identify features inside a human foot bone -- a new way to study human skeletal variation.

David Rose, a Captain in the Ohio State University Police Division and doctoral student in anthropology, began the project to determine whether the patterns of change inside the bones of human remains could reveal how the bones were used during life.

"Our bones adapt to the load that's placed on them. Patterns of tension and compression show up in our internal bone structure, and this software lets us look at those patterns in a new way," Rose said.

Julie Field, study co-author and assistant professor of anthropology at Ohio State, explained that archaeologists frequently use geographic information system (GIS) software to map the location of objects uncovered at an excavation site.

"We try to identify important clusters of objects such as household tools or agricultural tools that would indicate patterns of human activity," Field explained. "Based on certain scientific criteria that you give it, the software gives you a statistical measure of whether the objects you're looking at actually constitute a cluster."

In this case, the researchers used a program called ArcGIS. But similar types of mapping software can analyze any kind of spatial data, such as crime statistics or flood models, Rose added. He usesthe same program to map line-of-site views to develop security plans for events on campus.

This is the first time anyone has used GIS software to map bone microstructure.

Co-author Sam Stout, professor of anthropology at Ohio State and Rose's advisor, explained why the study of internal bone structure is important.

"Dave's work allows us to visualize, analyze, and compare the distribution of microscopic features that reflect the development and maintenance of bones, which we can relate to skeletal health and disease -- for example, bone fragility in osteoporosis," Stout said.

Advances that relate to the study of foot bones in particular would be useful in forensics, Rose explained, because of one grisly fact: when unidentified human remains are discovered today, the foot bones are sometimes intact, having been protected by the deceased person's shoes. Any information about the person, such as age, sex, or body size could ultimately aid law enforcement in identifying a body.

For this study, the researchers studied the cross-section of a metatarsal -- a long bone in the foot -- from a deceased woman who generously gave her body to the Division of Anatomy's Body Donation Program. Using this bone cross-section, they demonstrated how the software could be used to show the loads experienced in the foot during gait.

Rose recorded an extremely high-resolution image of the bone cross-section under a microscope, and used the software to map the location of key structures called osteons.

Osteons are microscopic structures created throughout life to fix small cracks or to maintain mineral levels in our blood. The size and shape of osteons, along with the direction of the collagen fibers from which they are made inside bone, are influenced by the loads we place on our bones during life.

In this case, the donor's metatarsal bone showed the predicted pattern of normal bone remodeling, with concentrations of particular types of osteons along the top and bottom of the bone which could have been formed by forces experienced as she walked -- just where researchers would expect to see telltale signs of foot flexure and compression.

This study provides a proof of concept, Rose cautioned, and many more bones would have to be studied before GIS software could provide meaningful insight into bone biology.

"Really, we're just combining very basic principles in GIS and skeletal biology," he said. "But I believe that there is a tremendous opportunity for advancements at the intersection of both disciplines. The real advantage to this method is that it offers a new scale for the study of human variation offering to shed light on how we adapt to our surroundings."

Co-author Amanda Agnew, assistant professor of anatomy, agreed and added that the work "combines bone biology, biomechanics, and biomedical informatics to explore new methods to evaluate old questions."

Timothy Gocha of the Department of Anthropology also contributed to this research.

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Story Source:

The above story is reprinted from materials provided by Ohio State University. The original article was written by Pam Frost Gorder.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.


Journal Reference:

  1. David C. Rose, Amanda M. Agnew, Timothy P. Gocha, Sam D. Stout, Julie S. Field. Technical note: The use of geographical information systems software for the spatial analysis of bone microstructure. American Journal of Physical Anthropology, 2012; 148 (4): 648 DOI: 10.1002/ajpa.22099

Note: If no author is given, the source is cited instead.

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/top_news/top_technology/~3/u_NTAmBeELE/120925143916.htm

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Monday, September 24, 2012

Civilian contractors face negative image, mission requirements

By Stuart Tiffen, NBC News contributor

Scott Dennis, a 42-year-old Air Force veteran, never considered outright retirement after getting out of the military in 2009. Instead he went to work for private military and security firms and soon found himself back in Afghanistan.

"It was an easy decision," he told NBC News, saying he couldn't afford to not work and wasn't ready for a life of leisure. "The only drawback was the extended time away from home."

But as criticism continues to swirl around the private security firm formerly known as Blackwater, civilian contractors serving in combat zones, like Dennis, find themselves caught between the demand for their services and negative perceptions in the public and even the military.?Sometimes creative measures must be taken to ensure their own safety.?


On Sept 11, Rep. John Tierney, D-Mass., called for steeper fines and a potential ban on all future contracts for the private military and security contracting ?firm formerly known as Blackwater. Now on its third name, Academi (also formerly known as Xe) agreed in August to pay $7.5 million to settle charges for weapons export violations.?

?This has been a repeated problem that?s gone on ? this isn?t a one-off situation, and it?s not just Blackwater,? Tierney told POLITICO last Tuesday.??We?ve had companies taking millions of dollars from taxpayers, repeatedly making questionable decisions. ... If we don?t hold them accountable, then it?s going to keep happening.?

A day later Alan Estevez, assistant secretary of defense for logistics and materiel readiness, and Marine Corps Brig. Gen. Craig Crenshaw, the Joint Staff?s vice director of logistics, testified in favor of the use of private firms before the House Armed Services Committee, recommending that the Department of Defense ?continue its momentum? in the increasing use and role of civilian contractors.

It?s against this conflicting backdrop that the men and women in the private military and security contracting industry ??where many veterans turn for employment after military service???find themselves.?

Dennis had been a recruiter and then a loadmaster on special operations forces aircraft serving in Afghanistan before he retired. The unfolding financial crisis had him worried about job security, but there was never really any doubt about seeking employment with a contracting firm, he said.?

Though he initially took a pay cut when he worked at firms such as the Virginia-based Dyncorp and Los Angeles-based McNeil Technologies (now AECOM), Dennis eventually found he was making more than three times his previous active-duty salary.?

His contracting jobs were nothing like his former aviation career, however. During a one-year stint with McNeil Technologies, Dennis was stationed at a forward operating base ?in western Afghanistan, driving around the countryside in an armored vehicle with an Afghan liaison.?

Dennis said he was concerned about the lack of safety net for contractors in Afghanistan. He worked hard to make sure the Americans in uniform would remember he was essentially one of them.?

?There is very little support for contractors if something goes bad outside the wire and you need help,? Dennis said. ?I tried to develop strong relationships with (active-duty military members) at my forward operating base; that way they had a face to go with the name if I needed help.??

Perception of civilian contractors took a hit among the military as well as the general public after the 2007 Blackwater shootings in Baghdad. Dennis said he thinks contractors are perhaps over-regulated now partially because of the resulting blowback.

?After the incidents in Iraq they became the poster child of the evil contractors shooting up towns,? he said. ?Most contractors are not armed now, and I think (that lack of weapons)?may take away what little self defense contractors had.?

And there is little leeway for illicit defensive measures. He recounted the tale of a colleague who?d lost his job for carrying an M4 rifle while out in the field in Afghanistan.

But there are real risks that come along with the job: More than 2,700 American civilian contractors have died in Iraq and Afghanistan since 2001, according to numbers?published by the Department of Labor.

Despite the fact that many contractors are also veterans, relations between the civilians and military are not always convivial, Dennis said.

?I?ve seen contractors mistreated on a regular basis when it comes to living conditions and other things,? he said. ?There is kind of a mindset of ?They are making lots of money, so screw those guys.??

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Source: http://usnews.nbcnews.com/_news/2012/09/24/14071244-civilian-contractors-caught-between-negative-image-and-mission-requirements?lite

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Prophet film protesters clash with Greek police

Muslim immigrants living in Greece throw objects at riot police during a protest against a film produced in the U.S. that they say insults the Prophet Muhammad, in Athens, Sun. 23, 2012. The protesters tried to march to the U.S. Embassy, but riot police blocked all exits from the square and used tear gas to disperse the protesters. It is the first such protest against the film by Muslims in Greece.(AP Photo/Kostas Tsironis)

Muslim immigrants living in Greece throw objects at riot police during a protest against a film produced in the U.S. that they say insults the Prophet Muhammad, in Athens, Sun. 23, 2012. The protesters tried to march to the U.S. Embassy, but riot police blocked all exits from the square and used tear gas to disperse the protesters. It is the first such protest against the film by Muslims in Greece.(AP Photo/Kostas Tsironis)

Iranian protestors burn a British and a French flag in front of the French Embassy during a demonstration to condemn a French magazine caricaturing prophet Muhammad in Tehran, Iran, Sunday, Sept. 23, 2012. (AP Photo/Vahid Salemi)

Supporters of a Bangladeshi Islamic political party shout slogans as they march during a strike in Dhaka, Bangladesh, Sunday, Sept. 23, 2012. Schools and businesses are closed and transportation has been disrupted across Bangladesh as hard-line Islamic groups protesting a film that denigrates the Prophet Muhammad enforce a general strike. (AP Photo/A.M. Ahad)

A man tries to kick a tear-gas canister away, as Muslims protest against a film produced in the U.S. that they say insults the Prophet Muhammad, in Athens, Sun. 23, 2012. The protesters tried to march to the U.S. Embassy, but riot police blocked all exits from the square and used tear gas to disperse the protesters. It is the first such protest against the film by Muslims in Greece.(AP Photo/Kostas Tsironis)

Supporters of a Pakistani religious group wear headbands that read, "at your service God's Prophet," as they listen to a speech by their leader, no pictured, during a demonstration that is part of widespread anger across the Muslim world about a film ridiculing Islam's Prophet Muhammad, in Lahore, Pakistan, Sunday, Sept. 23, 2012. (AP Photo/K.M. Chaudary)

(AP) ? Greek riot police used tear gas and pepper spray to disperse Muslim protesters who clashed with officers Sunday during a rally against a film produced in the U.S. that denigrates Islam's Prophet Muhammad. No injuries were reported.

A general strike in Bangladesh shut down schools, transportation and businesses, while a few hundred people peacefully marched in Pakistan. Iranian students burned flags in Tehran to protest the recent publication of lewd caricatures of Muhammad by a French satirical weekly.

In Athens, six people were detained during the demonstration at a central square, police said. About 600 people attended the rally, which featured heated speeches, but was mostly peaceful.

The crowd then wanted to march to the U.S. Embassy, which is about three kilometers (two miles) away from Omonia Square. Some tried to break through police lines several times, but riot officers pushed them back.

The violence occurred at the end of the rally, when small groups of protesters threw objects at police. Three cars were damaged and three storefronts smashed.

Banners were displayed in English, denouncing the film and called on the U.S. to hang the filmmaker. One told President Barack Obama "we are all with Osama," referring to Osama bin Laden, the al-Qaida leader who was killed in a U.S. raid in Pakistan in May 2011.

The amateurish film, which portrays the prophet as a fraud, a womanizer and a child molester, has sparked violent protests throughout the Muslim world for nearly two weeks. The violence linked to protests over the film has resulted in the deaths of at least 49 people, including the U.S. ambassador to Libya.

About 300 Iranian students protested against the caricatures that appeared in the French weekly. They rallied in front of the French Embassy in Tehran, burning French, U.S. and Israeli flags and chanting "death to France" and "down with the U.S." They called for the expulsion of French ambassador to Iran.

In an interview to be aired Monday on CNN's "Piers Morgan Tonight," Iranian President Mahmoud Ahmadinejad was asked about the protests in the Muslim world.

"Offending the Holy Prophet is quite ugly," Ahmadinejad said. "This has very little or nothing to do with freedom and freedom of speech. This is the weakness of and the abuse of freedom, and in many places it is a crime.

"But we also believe that this must also be resolved in a humane atmosphere, in a participatory environment and we do not like anyone losing their lives or being killed for any reason anywhere in the world."

In Bangladesh, schools and businesses were closed and transportation was disrupted across the south Asian country as hardline Islamic groups protesting the film enforced a general strike.

The strike was called in response to police action Saturday against supporters of the groups who rallied in the capital, Dhaka, to denounce the film. Dozens of people were arrested and scores injured Saturday as protesters clashed with police. Several vehicles were burned, including a police van. No violence was immediately reported during Sunday's strike.

About 300 Christians, Sikhs, Hindus and Muslims peacefully rallied in Pakistan's capital, Islamabad, to protest the film.

"There will be no peace in the world until we respect each other's religion," Sikh leader Deedar Singh said.

The protesters marched about a 1 kilometer (just over a half mile) on Islamabad's main avenue near the parliament building.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2012-09-23-Prophet%20Film/id-5ee53fa0cf9645f2afbd04c250d290e8

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Five questions for Romney's Medicare plan

WASHINGTON (AP) ? Medicare is the one health insurance plan that will cover virtually every American at some point in life, and Republican Mitt Romney is proposing the biggest changes since its creation nearly 50 years ago.

With important details still hazy, The Associated Press asked the Romney campaign five questions about how his Medicare plan would affect consumers on critical matters of costs and benefits.

Some of the questions remained unresolved after the campaign's responses. It may take electing Romney to find out how his plan would work. (The AP also sent President Barack Obama's campaign a set of questions about his plans for Medicare, and those responses are the subject of a companion report.)

"One of the things that concerns me about both campaigns is that they tend to use jargon terms like 'competition' or 'protection for benefits' without spelling out how they would deal with the challenges that come up," said economist Marilyn Moon, a former trustee overseeing Medicare finances. "Their answer is to attack the other side, or simply reinforce the same jargon, rather than explaining how things would work."

Broadly speaking, Romney calls for shifting people now age 54 and younger into a different sort of Medicare. Once eligible, these people would get a fixed payment from the government, adjusted for inflation, to pay for either private insurance or a government plan modeled on Medicare. Current beneficiaries and those nearing retirement could stay in the traditional program.

Romney says it's time for bold action because Medicare faces insolvency in 2024, the tip of its long-term financing woes. Private insurance plans would get waste out of the system while protecting quality and affordability, he says.

Some Medicare questions for consumers to keep in mind, along with answers from the Romney campaign and the views of several experts:

Q: What happens if Romney's fixed health insurance payment for future retirees fails to keep up with rising medical costs?

A: Thousands of dollars in costs could get shifted to retirees, punching holes in household budgets. Health care inflation is now in a lull, but historically it has grown faster than the economy, overall inflation and workers' wages.

Romney's campaign says his goal is to avoid cost shifting and to secure for future Medicare beneficiaries affordable coverage options at least as good as what's available for today's seniors. Lower-income Medicare recipients would get more money from the government for their health insurance.

Competition among insurers will keep costs in check, says the Romney campaign. The government payment will be based on competitive bids. "As plans compete with each other to provide better care more efficiently, the growth in (health) costs will slow dramatically and place Medicare on a sustainable long-term footing," writes Romney policy director Lanhee Chen.

Earlier this year, the nonpartisan Congressional Budget Office analyzed a similar Medicare plan by Romney's running mate, Wisconsin Rep. Paul Ryan. It found that by 2030, seven years after the proposal would take effect, Medicare would be spending about $2,200 less on a typical 66-year-old than would be the case under current policies.

That may not be a problem if competition works. But Obama's first Medicare administrator says the numbers are so big he doesn't see how Romney can avoid cost shifting.

"I would hope through quality improvements we can mitigate rate increases. But Romney has not been clear about how he will cause improvements in care to happen," said Don Berwick. "I think the consequences will be that costs will continue to rise."

Tom Scully, Medicare administrator under President George W. Bush, says Congress would intervene to make up the difference. "The reality is if inflation outstrips that payment, Congress will probably make an adjustment," said Scully.

Q: Will there be a set of guaranteed benefits that private plans must cover in Romney's revamped Medicare?

A: The question is important because having a basic set of benefits would allow consumers to make apples-to-apples comparisons among plans. The Medicare prescription drug program and private insurance plans currently available through Medicare Advantage have a floor of protection.

The Romney campaign website says, "All insurance plans must offer coverage at least comparable to what Medicare provides today."

Some experts say that's too vague. "Comparable" can mean similar in dollar value, but quite different in terms of coverage. Insurance companies can design benefits to cherry-pick healthier customers. A high co-payment for home health care, for example, would discourage frail patients.

Romney said Sunday on "60 Minutes" that private plans will have to offer "the same benefits" as traditional Medicare, but did not get into details.

Q: Romney has said he would repeal Obama's health care overhaul. Would he reinstate Medicare benefits improved by the law? They include closing the prescription drug coverage gap ? the "doughnut hole" ? and expanding coverage of preventive care with no copays.

A: The campaign is silent on this issue, although Vice President Joe Biden is hammering the GOP nominee, saying Romney's repeal of the health law would lead to an immediate loss of benefits for millions of current Medicare recipients.

"I think it would be very hard for (Romney) to take that away," said Berwick.

Q: Romney would turn the Medicaid program for low-income people over to the states, sharply limiting its future growth. The costliest Medicaid cases are some 9 million elderly and disabled people who also have Medicare, more than 1 million of them in nursing homes. Would Romney require states to institute special protections for this vulnerable group?

A: The campaign says Medicaid spending would grow under Romney's plan, and states will have the flexibility to design programs that serve low-income people most effectively. But several experts said the federal government also has to require accountability from states.

"If there is no protection for these people a lot of states are going to start knocking them off the rolls," said former AARP CEO Bill Novelli, now at Georgetown University in Washington. "These are the most vulnerable among us. There has to be a way to deal with Medicaid without leaving it entirely to the states."

Q: Romney's privatization plan would not affect current beneficiaries or anyone joining Medicare before 2023. But does Romney also guarantee that he will protect traditional Medicare from any future cuts?

A: The campaign is silent on this issue. Moon, the former trustee, says it's an important question, and deserves an answer.

"I would be very nervous about remaining in a program that it has been announced is going away," said Moon, now with the nonpartisan American Institutes for Research. "Because there will be fewer and fewer people who will speak up for it over time."

On "60 Minutes," Romney said: "I don't want any change to Medicare for current seniors or for those that are nearing retirement. So the plan stays exactly the same."

Still, it's unclear if that means a guarantee of no future cuts for those remaining in traditional Medicare, or if Romney is merely saying that the overall design of the program will stay the same.

Source: http://news.yahoo.com/romney-medicare-plan-key-details-still-flux-121937758--election.html

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Why Do Businesses Use A Send SMS Message Online Service

Communications:Mobile-Cell-Phone-SMS Articles from EzineArticles.com

Why Do Businesses Use A Send SMS Message Online Service?

Any business today knows how important it is for them to be able to communicate effectively with their clients if they want to see theirs thrive. One way of course of doing this is through them sending information regularly to their customers by sending them SMS messages.

GoArticles Traffic Analysis Recent Articles

The SEO Big Four

Search Engine Optimization, or SEO, best practices can?t be mastered or accomplished in a day. It requires getting to know Google like an intimate friend ? what it likes, what it doesn?t like, where it ?

Source: http://www.cursebuster.vpanelhosting.net/wordpress/?p=2173

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Source: http://mollyshannis.blogspot.com/2012/09/why-do-businesses-use-send-sms-message.html

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Dumping On the Chief Watch, Pt.3 (talking-points-memo)

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 Feeds and Widgets via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/250499962?client_source=feed&format=rss

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Sunday, September 23, 2012

Battle of the Bands: Benedict College Marching Band needs your votes

The Benedict College Marching Band of Distinction needs your votes!

The team is pursuing a spot as one of the eight bands to have the opportunity to perform in one of the world?s largest and most highly anticipated HBCU musical event of its kind.

The 2013 Honda Battle of the Bands Invitational Showcase will be held on Saturday, January 26, 2013 in Atlanta, Georgia.

33 bands will be chosen by Honda and the top eight bands with the highest votes will battle at the Battle of the Bands in January.

Beginning September 17th and running through October, Benedict Tiger fans can vote online at www.hondabattleofthebands.com for the Benedict College Marching Band of Distinction to participate in the 2013 Honda Battle of the Bands Invitational Showcase.

?

Source: http://fortjackson.wistv.com/news/news/53809-battle-bands-benedict-college-marching-band-needs-your-votes

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Saturday, September 22, 2012

Pre-caffeine tech: iPhone 5, text love, scary pony!

5 hrs.

Our?pre-caffeine roundup is a collection of the hottest, strangest, and most amusing stories of the morning.

Blah?blah blah iPhone 5 ... iPhone 5 ... iPhone 5.

People may be waiting outside Apple Stores to buy the iPhone 5, but that device's biggest feature (apart from its extra-large screen) is already available to millions of users: iOS 6. And since its release yesterday, it's already on 15 percent of iPhones and other iOS devices.

If you didn't stay up until 3 a.m. to pre-order an iPhone 5 last week, you were probably?too late to get one confirmed for shipment by Friday morning. So what do you do now??

Meanwhile,?Wal-Mart will no longer sell Kindle --?ask Amazon if it cares.?

"A Twitter history of the Arab Spring now leads to a lot of long-gone Web pages," notes Natasha Lennard in a Salon story about disappearing documentation on the micro-blogging site.?

Well, at least Twitter outlawed animated gifs ... that's one migraine avoided.?

Many people prefer that you do not declare your love for them on Facebook or Twitter.?Text messages are preferred, according to this one survey.

Speaking of Facebook and creepy,?here's what WolframAlpha can tell you about your Facebook account.?

Listen up kids! You can't "cyberbully" teachers in North Carolina anymore -- unless you want to get in trouble with the law.?

In closing, this My Little Pony mod is totally freaking me out. You?

Compiled?by?Helen A.S. Popkin,?who invites you to?join her on?Twitter?and/or?Facebook. Also,?Google+. ?

Source: http://www.nbcnews.com/technology/technolog/pre-caffeine-tech-iphone-5-text-love-scary-pony-1B6023816

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