Thursday, September 27, 2012

Wow! First-Ever Christian Music App on Spotify | AllAccess.com







WowSpotifyApp.jpg

Wow Spotify App

EMI CHRISTIAN MUSIC GROUP, PROVIDENT MUSIC GROUP and WORD ENTERTAINMENT continue the expansion of the world?s leading Christian music compilation brand with the release of the WOW app on SPOTIFY. The launch of the app marks the first-ever Christian music app on SPOTIFY and allows users to discover an artist?s catalog, experience the best of the genre, have more engagement with artists? music, and share playlists with friends through SPOTIFY, FACEBOOK, TWITTER and TUMBLR.

The WOW compilation series has sold more than 28 million copies and now makes its streaming service debut. SPOTIFY is the largest and fastest-growing music service of its kind, allowing consumers to instantly stream music from a variety of genres and artists.

?All of us at EMI are excited to work together to bring the best of the best in Christian and Gospel music to fans around the world,? said BILL HEARN, Pres/CEO of EMI. ?SPOTIFY is one of the top streaming companies in the world and we look forward to connecting our artists with their fans in an easily accessible and engaging way.?

ROD RILEY, Pres/CEO of WORD ENTERTAINMENT, commented, ?WOW?s SPOTIFY app is a fantastic tool in further spreading Christian artists? music to not only its core fan base, but new audiences globally. We?re very happy for WORD to be a part of its launch.?

"SPOTIFY is leading the way in the development of tools to engage fans with music and artists in new and exciting ways,? said TERRY HEMMINGS, Pres./CEO of PROVIDENT MUSIC. ?PROVIDENT MUSIC is pleased to be a part of this revolutionary app and we look forward to seeing significant results."

"Christian Music fans are passionate consumers who will benefit from the WOW app's curation and recommendations," said STEVE SAVOCA, Head of Content, SPOTIFY. "This is another great example of third party music experts taking full advantage of the SPOTIFY platform to foster genre-specific music discovery."

With nearly one million consumer interviews conducted worldwide, EMI MUSIC?s extensive research indicates that nearly 40% of Christian music fans use free online streaming services at least occasionally, are more than 1.5 times more likely to use streaming services than the average consumer and are all significantly more likely to report use of both SPOTIFY and SPOTIFY Premium when compared to the average consumer. In addition, these fans are actually more likely to say that online audio streaming services help them discover new music.

Continuing SPOTIFY'S efforts to provide innovative, engaging music-based apps, the WOW app aggregates Christian music playlists for the first time. Available playlists for the WOW app include Hot at Christian Radio, Hot at Gospel Radio, Songs To Get You Through The Day, Summertime Playlist, Top Worship Songs, festival & tour playlists, and playlists that feature the best from artists like CHRIS TOMLIN, CASTING CROWNS and FRANCESCA BATTISTELLI, among others. App users can filter through playlists and sort them based on recently added or most popular.

? see more Net News


Source: http://www.allaccess.com/net-news/archive/story/110727/wow-first-ever-christian-music-app-on-spotify

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Wednesday, September 26, 2012

NY state senator loses election after backing gay marriage

NEW YORK (Reuters) - A Republican state senator whose vote was crucial to legalizing gay marriage in New York has lost his primary election while a Senate colleague who also broke with the party's stance against same-sex unions narrowly escaped defeat.

Senators Roy McDonald and Stephen Saland were among four New York Senate Republicans to cast key votes last year to make New York the most populous U.S. state to allow homosexual marriages. After a count of absentee ballots, McDonald was determined to have lost his race while Saland narrowly won in September 13 primary elections.

Mark Grisanti, another Republican senator who backed the gay marriage measure, which passed New York's Republican-controlled Senate on a 33-29 vote in June 2011, won his primary race by a clear margin. A fourth senator who supported the bill was not seeking re-election.

McDonald lost the Republican nomination in the 43rd District to Kathy Marchione, the Saratoga County clerk, in a contest that frequently touched on the issue of gay marriage.

Although the results are yet to be certified, Marchione had a lead of about 110 votes after a final count of absentee ballots, according to her campaign and The Saratogian newspaper. About 50 votes still were awaiting adjudication by a judge.

"Senator McDonald's vote on marriage was certainly on the minds of voters but they took even greater issue with the fact that he was telling people he would vote a certain way up to a week prior and then voted differently," said Ken Girardin, a spokesman for the Marchione campaign.

A McDonald spokesman did not respond to requests for comment.

Saland of Poughkeepsie and Grisanti of Buffalo have retained their party's support following the primaries.

Saland's victory was not secured until Monday after a final tally of absentee ballots gave him a lead of a little more than 100 votes.

The New York primary races were being closely watched as a measure of the tolerance Republican voters might have for candidates who deviate from the official party line, which defines marriage as being between "one man and one woman."

Lawmakers in Rhode Island, Delaware and elsewhere are expected to weigh gay marriage legislation next year and some Republican backing could be needed to pass those measures.

And this November, voters in four states - Maine, Maryland, Minnesota and Washington - will decide ballot initiatives on the issue. Same-sex marriage has been legalized in seven states and the District of Columbia.

But the outcomes of the New York primaries were close enough that both opponents and supporters of same-sex marriage were able to find encouragement in the results on Tuesday.

Jason McGuire, the executive director of New Yorkers for Constitutional Freedoms, an evangelical Christian organization that lobbies against same-sex marriage, said Marchione's victory and even Saland's narrow win should be seen as a warning to Republican legislators tempted to "go rogue," as he put it.

"The fact that she came from behind with so little support shows that no amount of activist dollars can protect you from an angry electorate," he said of Marchione's victory.

But Lynn Faria, the interim executive director of Empire State Pride Agenda, which has lobbied in support of same-sex marriage, said Marchione's narrow win showed many Republicans are willing to back candidates who support gay unions.

"Now that we finally know the unofficial results of our state's primary elections, even some among the most conservative of New York voters have sent a clear message that they will support elected officials who stood on the right side of history in June 2011," she said in a statement. (Editing by Paul Thomasch)

Source: http://news.yahoo.com/ny-state-senator-loses-election-backing-gay-marriage-233834273.html

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The Bill Clinton lovefest (Powerlineblog)

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Keep Debates Productive with "Plussing" [Communication]

Keep Debates Productive with "Plussing"Keeping a debate or argument productive isn't easy. Often when emotions are running high and you're defending (or attacking) an idea it's easy to get off track. It's not impossible to manage, and as 99u points out, the film studio Pixar uses a structured conflict technique they call "plussing" to keep things on the level.

The idea of structured conflict isn't new. Workplaces ranging from Pixar to Xerox have used it for years, but it's not always easy to keep these debates productive. To keeps things moving forward at Xerox, for instance, criticism is kept intellectual naturally because the group doesn't permit character attacks. At Pixar, however, the fights are kept productive with what they call "plussing:"

At Pixar, the animators have developed a technique that helps keep the fighting productive and intellectual. They call it "plussing." As people criticize the work under review, that criticism must always contain a new idea or a suggestion for strengthening the original idea ? it must contain a "plus." Without plussing, their morning crit sessions can get pretty negative and emotionally draining. With plussing, the same meetings are imbued with a positive tone and a direct connection between criticism and newer or better ideas for their work. The meetings still feel like a fight, but they feel like the healthy, respectful fights that keep couples, creative teams, and ideas growing and changing for the better.

It's a pretty simple system, and "plussing" works well for everyone involved. When you're criticizing an idea and not providing an alternative solution, or a means to strengthen the original idea, you're not really helping the situation. With "plussing," everyone on the team is forced to contribute to the argument, and make the idea better. It seems like this method could be helpful in all types of debates you might find yourself in, workplace or not.

Why Fighting For Our Ideas Makes Them Better | 99u

Photo by Bex Walton.

Source: http://feeds.gawker.com/~r/lifehacker/full/~3/-0C5KVOJG9U/keep-debates-productive-with-plussing

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Tuesday, September 25, 2012

Lowe House Events: (Sane) San Francisco Bay Area Wedding ...

Elizabeth Clayton of Lowe House Events, sane San Francisco wedding planner extraordinaire, threw my baby shower this weekend. I don't mean that I am the kind of person that hires an event planner to throw my baby shower (ha!), but that the second I announced I was pregnant, Elizabeth asked if she could co-host my shower (because that's how she rolls).?And while the party was perfect and lovely, it was actually a little better than that... because it was like a magic party. All I did was give Elizabeth our guest list and show up. Seriously. That was it. And even with zero control, and all the crazy that can come out around baby showers, I only got stressed at all twice (both my fault not hers). Why? Well, Elizabeth is so damn good at her job that you can trust that she'll take care of everything: the logistics, the?aesthetics, the?inevitable?loved ones acting crazypants, you acting crazypants, all while keeping in mind who you are, and what you're going to like. In fact, she'll do this so well you won't even have to waste energy thinking about it.?And that, my friends, is a wedding planner. A wedding planner in APW land is not someone you hire so they make sure you have the perfect napkins to match your perfect bridesmaids dresses. They are someone you hire to make your problems go away (aka, a magic person).

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Lowe House Events & APW

Those of you who have been reading APW a while will know that Lowe House Events basically got started with the APW community. When Elizabeth announced her business here, so many of you booked her that she ended up dropping all the rest of her freelance work, and she hired an associate event coordinator. In fact, you guys love Elizabeth so much, that I keep meeting readers in person who have used her, and they rave and rave about her. Which is why (surprise Elizabeth!) this post is mostly testimonials from the APW community.

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Services and Rates

Lowe House Events offers a wide range of services, but in short, what Elizabeth is capable of doing is basically everything. Literally: from?aesthetics?to logistics, girl has got it in the bag. In fact, I'd describe hiring Lowe House Events as hiring the APW community come to life. The secret is that all of the APW sponsors in the Bay Area know each other and are friends (with me too!). When you hire Elizabeth, she's 110% tapped into that network. She'll help you get the best florist/best photographer/best hairstylist for your needs... and possibly the best therapist/plumber/dentist too, if you ask (that's sort of her thing). (And chances are, it would be the same hairstylist who I'd?recommend?if you asked me personally... because APW people are rad.)

You can hire Lowe House Events for Day-of Coordination for your wedding, so you don't have to be in charge ($975-$1700, depending on size of the wedding, logistics, lead time, you name it). They have an increasingly popular DOC+ package, which is for people looking for something in between standard Day-of Coordination and Full Planning. Elizabeth explains, "It involves everything included in the standard DOC package, plus creation of a planning timeline, budget advice, scheduled monthly hour-long meetings or phone calls, additional email and phone support, a site visit prior to the rehearsal, access to all of our recommended vendor lists, review of all vendor contracts, and handling of all vendor confirmations prior to the wedding." ($1800-$3000). And then, for those of you who just flat out would like someone to plan your wedding for you (which, no shame in that), Lowe House Events offers full planning, with prices ranging from $4000-$6500 (which may be so much of a steal it should be illegal, given how much work Lowe House will put into making that happen). Also, Lowe House prices events under forty people differently, so small weddings, get in touch. But! Slots for 2013 are filling up quickly, and very few DOC+ and Full Planning slots are left, so if you're thinking about it... send an email NOW. (Plus, rates are going up on December 1, and Elizabeth wants to let you get in under the wire before that happens!)

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Diverse Weddings and Good Business Practices

The thing about wedding planners is that we tend to have a certain... image.... about them. (I always worry for Elizabeth, having to tell people she's a wedding planner at parties, because no. She is not whatever they think she is.)?Lowe House Events doesn't just work on big budget weddings, and they will work tirelessly to keep you on or below budget, whatever your budget is. Elizabeth says, "One of the?things I love about APW clients is the wide range of weddings I get to help them throw?food truck catered picnics, self-catered back yard parties, city hall/restaurant combos, weekend-long wine country shindigs, and everything in between. And no matter the size of the guest list or budget, they're all grounded in the same practical, love- and people-centered values." (Hint: you can see tons of these APW weddings on her blog.)

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Plus, you know that thing where wedding planners talk you into spending more, or take what are basically kickbacks from vendors? (Fun fact: This really happens.) Not here. Elizabeth says, "All?of my clients have access to my vendor discounts (if I get a 20% discount, you get it?the only money I make on your wedding is the fee that you pay me directly) and to my wholesale flower market pass. I'm increasingly having clients hire me for two-day coordination jobs that include accompanying them to the flower market and helping them and their families and friends DIT their flowers. (I have to say, I make?a pretty mean bouquet.) I'll also accompany clients to catering tastings, venue walk-throughs, add on rehearsal dinner coordination for out of town family-hosts, talk venues into lowering their corkage fee, line-item read your contracts to make sure they adhere to industry standards, and oh, tell you that you probably don't need something that someone else is telling you?you absolutely have to have.?As anyone who has ever hosted anything knows, it can be hard to have fun at your own party?you're trying to make sure that everyone has a drink, and some food, and the trays are being refilled, and that there's toilet paper in the restroom, and... etc., etc. When you hire me, I do all of those things for you, from bringing things to the venue all the way to putting them back in the car at the end of the night.?This means?that you (and your family) get to be a guest at your own party, and get to be totally present because you're not worrying about where the extra toilet paper is, or if the candles are lit."

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APWers Love Lowe House Events?

?The tricky thing about this post has been that everyone and their mother wanted to give me a testimonial about Elizabeth. So here is a very tiny selection:

APW Associate Editor Maddie, who also is a wedding photographer says, "Elizabeth is hands down one of the best wedding planners I've ever worked with. The thing about planners is that a lot of them just worry about coordinating the timeline, and making sure everything happens on time. But Elizabeth looks at people's weddings holistically, which means that she cares about your timeline, your photography, your vendors, EVERYTHING. If I could work every wedding with Elizabeth, I would. Because I know that when I work with Elizabeth, not only is the couple going to have a great time at their wedding, but it's just THAT much easier for me to get amazing pictures for them too."

?APW sponsor?Gabriel Harber says:?"There is often time a lot of wrangling and organizing and time keeping that goes on in weddings. The weddings that I have done with Elizabeth tend to be more chill. Elizabeth is mellow, and organized, and efficient. I love working with her. The other vendors that she likes to work with are also super great. When I am working a wedding with her, I know that things are going to run smoothly. She is awesome."

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And then there are you guys:

APWer Kate says, "Elizabeth was our day-of coordinator, and hiring her was the single best decision we made through the whole wedding planning process (besides that whole deciding to get married thing of course!). Elizabeth was professional, approachable, friendly, and most importantly, insanely organized! She made it so that my family members and I could enjoy the day without thinking about timeline, setup/cleanup, details, catering to guests, solving problems, paying vendors?anything that you need done Elizabeth takes care of! In addition to an incredible capacity for handling any and all details (from design/set up/decor to contracts/payments/timelines/vendors), she is also an absolute joy to hang out with and really makes friends with your wedding party and guests."

And APWer Liz says: "I cannot possibly say enough about Elizabeth and how wonderful she is! I had planned to manage the whole shebang myself and about two months out it occurred to me that would mean I would spend most of the day working out logistics. Which meant my Mom would be a wreck and I would be a basketcase. Enter Elizabeth and everything changed. I literally watched the stress slide off Mom's shoulders! Elizabeth says she'll do just about anything to make your wedding work. I'm quite sure that's the case because I remember only a perfect, joyous day. I really have no clue what she was tasked with or which hurdles she had to gracefully overcome. NO CLUE AT ALL."

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What Matters

I'm always thrilled to recommend Elizabeth because she's such a joy to work with, so good at her job, and?believes?in the APW mission in such a hard-core way. (Fun fact: Elizabeth is single, but is one of the first-ever readers of this blog?she just isn't a big commenter, so I didn't know her for years.) She loves this community, and every APW reader I've ever met who's worked with her loves her right back. So I'm going to let her close it out with this, "I want to touch briefly on how incredible being a part of the APW has been for me personally. This summer my family suffered a really tragic loss, and the community?my colleagues?and?my clients, helped support me through it in a truly amazing way. I got some of the most touching cards, care packages, emails, phone calls, not to mention?drinks, that?I've ever received in my life. It was a bright spot in a dark time, and I'll never be able to say thank you enough."

Photos:?Gabriel Harber Photography?(APW Sponsor),?Jesse Holland Photography?(APW Sponsor),??Gabriel Harber Photography?(APW Sponsor),?Paco & Betty,?Christina Richards Weddings?(APW Sponsor),?Gabriel Harber Photography?(APW Sponsor),?Christina Richards Weddings?(APW Sponsor),?Jesse Holland Photography?(APW Sponsor)

Source: http://apracticalwedding.com/2012/09/lowe-house-events-sane-san-francisco-bay-area-wedding-planner/

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Mimicry beats consciousness in gaming's Turing test

The Turing test might still be too hard for software to crack ? but two programs have already aced video gaming's answer to this famous evaluation of machine intelligence.

The two winning programs, or bots, relied on strategies of direct human mimicry to win an annual software tournament called BotPrize ? and beat an intriguing rival based on a stripped-down model of human consciousnessMovie Camera.

As in the original Turing test, BotPrize bots attempt to convince human judges that they too are human. But whereas Turing test bots are judged on their ability to converse, in BotPrize, it's the ability to play and navigate the 3D shoot-'em-up video game Unreal Tournament in a human-like manner that counts.

Multiple bots and human judges play simultaneously, all-against-all, and anonymously, in the same arena of battle. The idea is to design more realistic virtual charactersMovie Camera, which, in turn, should make video games more compelling and software simulations used for training more useful. In the future, the software could drive physical robots capable of navigating the real world in a human-like manner.

In only the fifth ever BotPrize contest, the UT^2 bot devised by Risto Miikkulainen and colleagues at the University of Texas, Austin, and Mirrorbot, the brainchild of Mihai Polceanu, currently studying at the European Centre for Virtual Reality in Brest, France, each persuaded the four judges more than half of the time that they were humans. That's more "human" votes than the average human received ? and almost twice as many as any bot has ever scored before. That means the "human-like barrier" has been cracked for the first time: the two teams shared the AU$7000 (?4500) prize ? which has never been awarded before ? for bots considered to be on a par with humans.

How did the winning bots do it? As its name suggests, Mirrorbot's key strategy is mimicry. When the bot meets other players in the game, it observes their behaviour. If it judges a fellow player to pose no immediate threat, it engages in a brief "social interaction", in which it simply copies the actions of that player, including movement, shooting, weapon choice, jumping and crouching. "It plays back what it sees," says Poleanu. The fact that this strategy proved successful at fooling the human says something interesting about AI and about ourselves, says Poleanu. "This result may indicate that our perception of intelligence is not flawless, but significantly influenced by our social nature".

Mimicry is also one of the features of the other winner, UT^2, though not in real time, and only for one of its behaviours. During training, Miikkulainen's team found that the bot's most "un-human" behaviour arose when it became confused by obstacles such as walls. For example, a human knows intuitively how to navigate out of a doorway. A bot, by contrast, relies on its programming to work out that it must turn 90 degrees.

"There are bots that bounce back and forth and don't realise the way out," says Miikkulainen. "It's amusing and interesting how challenging a very basic phenomenon can be."

His team recorded dozens of humans playing Unreal Tournament, spliced out the bits where the human released themselves from different geometries and then programmed the bot to deploy the human strategy used in a situation most similar to whatever it finds itself in. For other aspects of play, UT^2 deployed evolutionary learning, in which successful strategies were bred to produce offspring strategies that were even more human-like.

Neurobot, meanwhile, a bot that came a close second in last year's BotPrize ? and interested New Scientist in the run-up to the contest because it was based on a leading model of human consciousness ? lagged in fourth place out of a total of six bots.

Its creator, Zafeirios Fountas, of Imperial College London, blames this on technical constraints which forced him to "prune" 20 per cent of his bots' simulated "neurons". "As the results indicate, unfortunately, the removed neurons and synapses played a more crucial role than I believed," he says. "The good news is that now I know that and I can investigate what exactly caused this change."

Where does all this leave AI? BotPrize is certainly considered a lesser challenge than the original Turing test. "I am not making any claim that because the bots can appear human that they are intelligent," says Philip Hingston of Edith Cowan University in Perth Australia, who created BotPrize in 2008.

Still, Miikkulainen says that intelligence is made of up of components, at least one of which has now been solved. "In terms of spatial reasoning, it is possible to act human," he says. "Language is a much bigger problem, but it's nice to know that in this part of intelligence, we can do well."

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Source: http://feeds.newscientist.com/c/749/f/10897/s/23cf368d/l/0L0Snewscientist0N0Carticle0Cdn2230A50Emimicry0Ebeats0Econsciousness0Ein0Egamings0Eturing0Etest0Bhtml0DDCMP0FOTC0Erss0Gnsref0Fonline0Enews/story01.htm

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Helicopters search for 6 missing on Nepal mountain

KATMANDU, Nepal (AP) ? Helicopters flew over the high slopes of a northern Nepal peak on Monday to search for six climbers believed lost in an avalanche that killed at least nine others. Many of the climbers were French, German and Italian.

The avalanche hit at about 4 a.m. Sunday while more than two dozen climbers were sleeping in their tents at a camp high on the world's eighth-tallest peak, Mount Manaslu, said Dolraj Dhakal, government administrator in the area. He said no one saw it coming and they were unable describe its size.

Rescuers brought down eight bodies by midday Monday and were trying to retrieve the ninth from the 7,000-meter (22,960-foot) area where the avalanche struck, police Chief Basanta Bahadur Kuwar said. Four helicopters were searching by air and climbers and guides were searching the slopes on foot.

Ten climbers survived, but many of them were injured and were flown to hospitals by rescue helicopters. Three French climbers and two Germans were transported to hospitals in Katmandu on Sunday, and two Italians were flown there Monday.

Veteran Italian mountaineer Silvio Mondinelli, who has climbed the world's 14 highest mountains, said he and fellow climber Christian Gobbi were sleeping in a tent when they heard a violent sound and felt their tent start to slide.

"It was only a few seconds and we did not know what happened but we had slid more than 200 meters (650 feet)," Mondinelli told The Associated Press in Katmandu.

He said another Italian climber and their Sherpa guide were sleeping in another tent and were buried by the avalanche and died.

Gobbi said they were unable to see at first because it was so dark and they had no light.

"We found someone's boots and put them on," he said.

When the sun rose an hour later, they saw parts of tents scattered across the snow, along with people who had been killed or injured.

They said they were able to assist the injured with the help of Sherpa guides who came from lower camps. Those who could walk made their way down to the base camp while those who were injured were picked up by helicopters.

The French Foreign Ministry said four French climbers were among the dead and two others were missing.

"The situation continues to evolve, due to the atmospheric conditions," it said in a statement Monday.

Spain's Foreign Ministry said one Spanish climber was killed.

Italian, German and French teams were on the mountain, with a total of 231 climbers and guides, but not all were at the higher camps hit by the avalanche.

Sunday's avalanche came at the start of Nepal's autumn climbing season, when the end of the monsoon rains makes weather in the high Himalayas unpredictable. Spring is a more popular mountaineering season, when hundreds of climbers crowd the high Himalayan peaks.

Mount Manaslu is 8,156 meters (26,760 feet) high and has attracted more climbers recently because it is considered one of the easier peaks to climb among the world's tallest mountains.

Nepal has eight of the 14 highest peaks in the world. Climbers have complained in recent years that conditions on the mountains have deteriorated and risks of accidents have increased.

Veteran guide Apa, who has climbed Mount Everest a record 21 times, traveled across Nepal earlier this year campaigning about the effects of global warming on the mountains.

He told The Associated Press the mountains now have considerably less ice and snow, making it harder for climbers to use ice axes and crampons on their boots to get a grip on the slopes.

Loose snow also increases the risk of avalanches. The cause of Sunday's avalanche was not immediately determined.

Avalanches are not very frequent on Mount Manaslu, but in 1972 one struck a team of climbers and killed six Koreans and 10 Nepalese guides.

Ang Tshering of the Asian Trekking agency in Katmandu, who has equipped hundreds of expeditions, said the low level of snow and increased number of climbers on Manaslu has made climbing conditions difficult.

"It used to be a low-risk mountain in the past but now that has all changed," Tshering said, adding that conditions have become more unpredictable.

Source: http://news.yahoo.com/helicopters-search-6-missing-nepal-mountain-140050571.html

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Monday, September 24, 2012

Avoid repeating mistakes you made in the meltdown

By John Wasik, Reuters

CHICAGO -- It's rear-view mirror philosophizing time. As we head into the autumn of this contentious election year, it's a great time to reflect upon what worked and what didn't in the wake of some of the most tumultuous upheavals in American economic history.

You could easily blame Wall Street for the 2008 meltdown, but it's also clear that American families weren't prepared and made mistakes too. A new study from the Consumer Federation of America found that 67 percent of middle class Americans think they made at least one "really bad financial decision," and 47 percent said they had made more than one. The cost? The median was $5,000, but the average cost was $23,000.

Further, the study, entitled "The Financial Status and Decision-making of the American Middle Class," also found that outside of retirement funds and checking/savings accounts, families had few other financial assets. Only 15 percent surveyed held stocks and from 13 to 14 percent held either savings bonds or certificates of deposits.

How could you avoid the same fate? Here are some key ways to avoid the same financial blunders:

1. Failing to gauge portfolio risk

I don't know about you, but I wasn't surprised when the market tanked as much as it did in 2008-2009. I thought it would be worse. Yet I sure was blindsided as to how much it nailed my retirement portfolio, which fell about 40 percent. After all, I was diversified. Wasn't that supposed to be a form of protection?

I didn't know that commodities, stocks and real estate investment trusts would decline in lockstep. They usually don't, but they were highly correlated during the global downturn. There was an easy way to avoid this kind of hit: Add more bonds, which I did. They now comprise more than half of our portfolio.

2. Getting swamped by debt-to-income ratios

Of course, you've heard tales of homebuyers who got mortgages they shouldn't have qualified for just because they had a pulse in the pre-2007 bubble years. The enduring truth is that too much debt can always be toxic.

What's a dangerous level? It's pretty simple: If your short-term debt exceeds your ability to pay it off every month, it's too much. Whenever you get beyond 40 percent of debt-to-income, you're getting into deep trouble. Most middle-class families carried 20 cents in debt payments to every $1 they earned in 2010, the Consumer Federation found. That's not unreasonable, but this is an average discerned by looking at Federal Reserve data; millions of households are in trouble because they owe more than what their homes are worth, which was not explored in this study.

A worthy goal for reining in short-term debt is simply to pay off bills each month -- but that means keeping spending within your income range and saving up for big ticket items. Also, watch your credit rating and try to improve it to obtain the lowest-possible financing rates.

3. Not having a big enough safety net

The typical American middle-class family has about $27,000 in financial assets (excluding pensions), the Consumer Federation found. Is that enough to cover emergencies, long unemployment stretches or unreimbursed medical bills? Probably not.

The rule of thumb is to hold six months' worth of salary in emergency cash in money-market or savings accounts. It's a good place to start, but more of a cushion is needed because of bad financial decisions. And even more for those facing long-term unemployment. How do you stash away more when times are tough? There's no magic answer other than making it a top priority and making some hard decisions about spending.

4. Not carrying enough insurance

There's a basic trade-off with all insurance policies: The more you're willing to pay on a claim out of pocket, the lower the premium. For example, if you get a catastrophic health plan with a high deductible, your monthly premium will be lower.

To figure out what you can afford, look at your monthly cash flow. If you need to reduce insurance premiums, you will need to boost savings to cover the deductibles. You can also save money on auto insurance by dropping coverage for comprehensive coverage if the car is old.

5. Failing to invest

Saving is putting money in a protected place for rainy days. Investing is putting money at risk in exchange for long-term returns. You need to do both to survive the ravages of inflation and financial events beyond your control. Surprisingly, only 21 percent of those middle-class Americans surveyed by the Consumer Federation said they would invest in stocks, bonds and mutual funds - even if they had $1 million to invest.

While I certainly don't admonish anyone for steering clear of market risk after 2008, you can find some balance through the "bucket" method of risk management. Your "safe" yellow bucket should hold money you need in the next few years for emergencies, college, out-of-pocket medical expenses or taxes. A "red" bucket is for money you can risk over decades for retirement and future goals. You adjust the amount of money for each bucket according to your needs, time of life and risk tolerance.

Perhaps the greatest blunder that everyone is guilty of is inaction. We wait for the market to become overheated instead of taking advantage of dips to get better prices. We don't sell our losers and move on. We think we can time the bottom of the real estate and stock markets.

I know I waited too long to add bonds to my portfolio and reduce my stock and commodity market exposure, although it's since bounced back. One essential truth remains: In a society that thrives on spending and consumption, increased saving can help avert financial disaster in the future.?

More money and business news:

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Source: http://lifeinc.today.com/_news/2012/09/24/14073437-5-steps-to-avoid-repeating-mistakes-you-made-in-the-meltdown?lite

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Zoobies Baby Mashaka The Monkey - On Sale NOW @ Toys R Us

No imageToys R Us Deal published by JenF to Baby Boy, Baby Girl, Baby Shower, Bedding, Gifts For Kids, Stuffed Animals

If you are looking for an affordable baby shower gift idea, visit Toys R Us. This Zoobies Baby Mashaka The Monkey is now reduced in price! It is a great gift idea for any little one or expecting parent. It is a monkey that is a great stuffed animal, but it also functions as a pillow and extremely soft blanket! Great for at-home use or on-the-go use, you can?t go wrong! WAS $24.98; NOW $9.98. For even more bargains on great baby shower gift ideas, checkout the entire baby clearance section at Amazon.com.

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Derna, Libya Islamist Militias Swept Out Of Bases


* Headquarters of Islamist Ansar al-Sharia group targeted
* Group was linked to last week's attack on U.S. consulate
* Crowd also attacked pro-government militia
By Peter Graff and Ghaith Shennib
BENGHAZI, Libya, Sept 22 (Reuters) - The two main Islamist militias in Derna, a city in eastern Libya known as an Islamist stronghold, withdrew from their five bases on Saturday and announced they were disbanding, residents said, a day after a militia was driven out of Benghazi.
The Abu Slim and Ansar al-Sharia militias' announcements were apparently motivated by events in Benghazi, where Ansar al-Sharia, a group linked with last week's deadly attack on the U.S. consulate, withdrew from all its bases in the city late on Friday amid mass demonstrations in support of the government.
Those demonstrations in Libya's second city, also in the east, erupted into violence when the crowd turned against another group that had sworn support for the government.
"The militia in Derna saw what happened last night and they decided: we will not kill our brothers. So they disbanded," Siraj Shennib, a 29-year-old linguistics professor who had been part of protests against the militia, said by telephone.
"They said they no longer exist as militias in Derna. They will go home and leave security to the interior ministry and army."
Shennib said anti-militia protesters had been maintaining a vigil against the groups in Derna for 10 days, and the protests became much larger after a car-jacking three days ago. Residents blame the militia for creating a climate of insecurity.
"The people started coming because it has reached the limit. They are saying: we've had enough," he said. "It was a very peaceful operation. We are happy and we appreciate the effort the militias have done to save people from conflict."
Libyan LANA news agency quoted commanders from both militias as saying they were disbanding and vacating their compounds.
Abu al-Shalali, 27, an Abu Slim fighter who trained as an electrical engineer, said there was a non-violent confrontation at one camp between protesters and fighters who did not initially want to leave but ultimately decided they could not use force against the crowd.
"We can't kill our brothers and our cousins," he said, adding that camp housed a jail with 50 prisoners, all of whom were freed. He said they were common criminals and that their release would probably cause a crime spree.
Derna, a coastal city overlooking the Mediterranean, is known across the region as a major recruitment centre for fighters who joined the wars in Iraq, Afghanistan and Syria.
Shennib said the city's reputation was an exaggeration.
"Yes, we have a group of people who are jihadis. But it's not very dangerous at all. It's a normal city. And no one would say that it's a base for al Qaeda. That's just talk," he said.
Ansar al-Sharia was driven out of Benghazi in a surge of anger against the armed groups that control large parts of Libya more than a year after the overthrow of Muammar Gaddafi.
A spokesman for Ansar al-Sharia, which has been linked to the attack on the U.S. consulate in Benghazi in which the U.S. ambassador and three other Americans were killed, said it had evacuated its Benghazi bases "to preserve security in the city".
In a dramatic sign of Libya's fragility, after sweeping through Ansar's bases the crowd went on to attack a pro-government militia, believing them to be Islamists, triggering an armed response in which at least 11 people were killed and more than 60 wounded.
The invasion of Ansar al-Sharia's compounds, which met little resistance, appeared to be part of a sweep of militia bases by police, troops and activists following a large demonstration against militia units in Benghazi on Friday.
Demonstrators in Benghazi pulled down militia flags and set a vehicle on fire inside what was once the base of Gaddafi's security forces. Hundreds of men waving swords and even a meat cleaver chanted "Libya, Libya", "No more al Qaeda!" and "The blood we shed for freedom shall not go in vain!"
"After what happened at the American consulate, the people of Benghazi had enough of the extremists," demonstrator Hassan Ahmed said. "This place is like the Bastille. This is where Gaddafi controlled Libya from, and then Ansar al-Sharia took it over. This is a turning point for the people of Benghazi."

PRESSURE ON OBAMA
Libya's government had promised Washington it would find the perpetrators of what appeared to be a well-planned attack on the U.S. consulate, which coincided with protests against an anti-Islam video and the anniversary of the 9/11 attacks.
The attack and the outrage directed at the United States over the video across the Muslim world raised questions about President Barack Obama's handling of the so-called Arab Spring.
Although Ansar al-Sharia denies any role in the consulate attack, the latest events in the cradle of Libya's revolution appeared at least in part to vindicate Obama's faith in Libya's nascent democracy.
"It's a pretty clear sign from the Libyan people that they're not going to trade the tyranny of a dictator for the tyranny of the mob," said White House spokesman Josh Earnest.
Libyan political scientist Ahmad al-Atrash told Reuters: "People in Benghazi and all over Libya want to get these militias under control ... The overwhelming feeling is against any element that keeps the situation unstable."
The second half of Friday night's protest proved his point.
A crowd swelling into the thousands moved on to attack a separate Benghazi compound where the powerful pro-government Rafallah al-Sahati militia, safeguarding a big weapons store, opened fire on the assailants.
As looters later tried to leave the scene, vigilantes wielding clubs and machetes tried to prevent them driving off with heavy weapons. Hospital officials told Reuters they had a total of five dead and more than 60 wounded.
Police found six more dead bodies near the compound on Saturday morning, police officer Ahmed Ali Agouri said.
The six dead men were bodyguards of a colonel in the regular Libyan army who went missing on Friday, and the prospect that the killings and kidnapping may have been the work of a militia group suggested there could be more tension between the army and militia in coming days.
Nasser Abdelhaaq, a Rafallah al-Sahati commander, said the brigade had returned to their compound on Saturday morning.
He suggested the crowd had been deliberately manipulated to turn on Rafallah al-Sahati, an officially approved militia that also has Islamist leanings.

RELIANT ON MILITIAS
"Twenty-five percent of those who came were there as saboteurs," he said. "Some of them, we know who they are, they were working with Gaddafi's security brigades."
Libya's new rulers know that, while militias pose the biggest threat to their authority, the state's weak security forces rely on former rebel units, armed with heavy weapons, that fought in the uprising.
Like the rest of Libya, Benghazi is still prowled by dozens of armed groups operating openly, usually with the official permission of a government that is powerless to stop them.
Ansar al-Sharia's overt Benghazi presence was never huge. Its leaders proclaim democratic government to be incompatible with Islam, and the presence on the streets of pickup trucks bearing their Kalashnikov logo was an affront to the government's authority.
But a doctor in hospital where Ansar al-Sharia had been providing security for the past six weeks said the group had prevented anarchy.
"I don't know about their religion or ideology, but they solved problems," said Abdulmonin Salim. "I don't care if they come from another planet. I want a secure hospital."
The U.S. consulate attack seems to have provided a strong impetus for local authorities to rally support behind the weak government. Thousands marched in Friday's "Rescue Benghazi Day" in support of democracy and against Islamist militias.
U.S. Ambassador Christopher Stevens was well liked, and many Libyans condemned the attack on the consulate despite being angered by the anti-Islamic film made in California that triggered it.

Related on HuffPost:

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Source: http://www.huffingtonpost.com/2012/09/22/derna-libya-islamist-militia_n_1906456.html

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Sunday, September 23, 2012

Nigeria held by Canada

Line-up

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Coaches

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' + liveData.Substitution[0].TeamHome[i].playerout + ' In'; } else { substitutionHome = ' '; } if(liveData.Substitution[0].TeamAway[i]) { substitutionAway = 'Out ' + liveData.Substitution[0].TeamAway[i].playerIn + '
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Substitute(s)

Coaches

Peter DEDEVBO (NGA)

(CAN) Bryan ROSENFELD

Officials

Referee: Kateryna MONZUL (UKR)Assistant Referee 1: Panagiota KOUTSOUMPOU (GRE)Assistant Referee 2: Ourania FOSKOLOU (GRE)Fourth official: Karolina RADZIK-JOHAN (POL)

Source: http://www.fifa.com/u17womensworldcup/matches/round=258195/match=300204251/index.html?cid=rssfeed&att=

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62 Digital Resources You May Have Missed

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KOLO8: Jefferson Has 7 TDs as Nevada Beats Hawaii 69-24: Stefphon Jefferson tied an NCAA record by scoring seven touchd... http://t.co/nQILA7bm

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Source: http://twitter.com/KOLO8/statuses/249762959205740544

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Saturday, September 22, 2012

Sagur | GetHiroshima

September 23, 2012 ? jjwalsh ?

Sagur Indian Restaurant Located between Rakuraku-en and Coin-dori in Hatsukaichi is the popular Indian restaurant, Sagur. They opened 10 years ago and are the only Indian curry place in this area. When we went on a Saturday, they had a steady change-over in customers the whole time we were there of families, couples, friends and some businesspeople. Sagur seems to have a great following and the buzz was friendly and people were really enjoying the great Indian curries, salads, nan breads, tandoori meats and other foods on offer.

The curries were all delicious and creamy, the spice also delivered the right kind of heat from medium and above. The staff were very friendly and the food came out quite quickly. The busy nan bread chef can be seen through a glass window in the front of the restaurant if you or kids like to watch how it is made. There is a wider selection of non-meat curries available including fish, seafood, cauliflower, spinach + cheese, vegetable korma and chick pea.

Thali - indian set meal: 3 curries, rice, nan, salad, samosa and drink for under 2,000 yen The nan breads are a very generous size and the curry portions are enough for one person, but nicer if you share with someone else to enjoy a variety of flavors. The ?thali? sets come with a variety of curries, tandoori grilled foods, salad, rice and nan as well as a drink from 2,000~4,000 yen.

There is fish, shrimp, chicken and other meats available on the grilled tandoori meats section of the menu. Indian beers and a selection of wines are available as well as yoghurt lassi drinks and other soft drinks. The kids set is a fair amount of food & comes with a sweet nan bread (you can change for regular if you prefer), curry, salad, rice and a juice or soft drink.

Details:

  • take-out available
  • ????: No holidays- open everyday
  • Parking for 10 cars in the adjacent lot
  • all non-smoking
  • vegetarian options available
  • family friendly- kids sets available and welcoming to children
  • Seating for 38 at one time
  • no credit cards accepted, cash only
  • reservations accepted
  • lunch special: curry+salad+drink+nan for under 900 yen Monday to Saturday (expect Sundays and national holidays)
  • ???????? Sagur homepage in Japanese
  • Telephone & fax:???????-????
  • Address:?????????? (Saiki-ku, Hatsukaichi city, Chuo 1-2-1) In Japanese: ?????????????????
  • Hours:????????????Last order?????????????Last order?

Source: http://www.gethiroshima.com/dining/asian/sagur/

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Friday, September 21, 2012

Auto Insurance Quotes ? Get Car Insurance Online Starting at $19 ...

Sep
21

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Auto Insurance Quotes ? Get Car Insurance Online Starting at $ 19 Month. Free Quotes!












(PRWEB) September 21, 2012

http://www.BetterInsuranceChoice.com, an online insurance reference tool, now offers drivers an easy way to compare rates from local insurance providers. Drivers can use the quote generation tools on the website to get better rates on their car insurance policies or to explore coverage options.

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?There really isn?t any insurance market quite like the auto insurance market,? said a representative of the company. ?Many companies offer discounts and special coverage add-ons that greatly increase the value of their customers policies, but if you don?t regularly compare your policy to available car insurance quotes, you can?t really take advantage.?

The website?s representatives note that the best times to compare quotes are after an accident, before making major auto insurance coverage changes, before buying a new vehicle and every three months or so. Drivers can learn about their policies on [website] by reading about different types of coverage and by reading quotes from the website?s many major auto insurance carriers.

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BetterInsuranceChoice.com also offers other insurance-related resources for its users. In addition to free car insurance quotes, visitors can find free, local quotes for home insurance, life insurance and health insurance.

?People rely on their insurance policies to keep them financially safe, but big premiums can easily take a toll on a household?s budget,? said the representative. ?By giving people a free, easy way to find insurance quotes from reputable local carriers, we give them the accurate resources they need to control their policies. As a result, our users are much happier with their insurance choices.?

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To learn more go to http://www.BetterInsuranceChoice.com



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Source: http://forodesoporte.com/auto-insurance-quotes-get-car-insurance-online-starting-at-19-month-free-quotes.html

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Black women rally against voter ID laws

FILE - In this June 27, 2012 file photo, President Barack Obama and his wife, Michelle, arrive at the Congressional picnic on the South Lawn of the White House in Washington. The Democratic president and first lady will tape an episode of "The View" on Monday, Sept. 20, 2012 to air the next day, in their first joint appearance on the daytime show. GOP challenger Mitt Romney might not be far behind. (AP Photo/Susan Walsh, File)

FILE - In this June 27, 2012 file photo, President Barack Obama and his wife, Michelle, arrive at the Congressional picnic on the South Lawn of the White House in Washington. The Democratic president and first lady will tape an episode of "The View" on Monday, Sept. 20, 2012 to air the next day, in their first joint appearance on the daytime show. GOP challenger Mitt Romney might not be far behind. (AP Photo/Susan Walsh, File)

First lady Michelle Obama greets supporters after she spoke Wednesday, Sept. 19, 2012, at North Carolina Central University in Durham, N.C. Obama said her husband is fighting to ensure all people have the tools to succeed and live the American dream ? comments that drew a contrast with Mitt Romney's divisive words in a secretly recorded speech that rattled his campaign this week. (AP Photo/The News & Observer, Takaaki Iwabu) MANDATORY CREDIT

(AP) ? Deidra Reese isn't waiting for people to come to her to find out whether they are registered to vote.

With iPad in hand, Reese is going to community centers, homes and churches in nine Ohio cities, looking up registrations to make sure voters have proper ID and everything else they need to cast ballots on Election Day.

"We are not going to give back one single inch. We have fought too long and too hard," said Reese, 45, coordinator of the Columbus-based Ohio Unity Coalition, an affiliate of the National Coalition on Black Civic Participation.

Reese is part of a cadre of black women engaged in a revived wave of voting rights advocacy four years after the historic election of the nation's first black president. Provoked by voting law changes in various states, they have decided to help voters navigate the system ? a fitting role, they say, given that black women had the highest turnout of any group of voters in 2008.

"We've forgotten our mothers went to three jobs, picked us up from school, put the macaroni and cheese on the table, got up and got somebody registered to vote," said actress Sheryl Lee Ralph, one of several women who participated in a strategy session this week during the Congressional Black Caucus Foundation's annual legislative conference in the nation's capital. Ralph is married to Pennsylvania state Sen. Vincent Hughes.

The political and financial power of black women is one of the themes of this year's four-day event. It will culminate Saturday with a keynote speech from one of the most visible black women in America, first lady Michelle Obama.

"It's time for us to lead the way because we voted in greater numbers than any other gender and race group last election, and we got to do the same this year," said Elsie Scott, president and CEO of the Congressional Black Caucus Foundation.

Turnout among women of all races is generally higher than for men. In 2008, about 69 percent of eligible black female voters went to the polls, an increase of 5.1 percentage points over 2004, according to a study of census data on 2008 voters by the Pew Hispanic Center. That compares with 66.1 percent of white women.

African-American women, who number about 20 million in the U.S., have long been the largest group of Democratic voters in the country, said David Bositis, senior research associate with the Joint Center for Political and Economic Studies.

In a room at the Washington Convention Center on Wednesday, the sense of urgency among the women was palpable. They noted that voter registration deadlines in some states are as early as Oct. 6, the last of them on Oct. 16. Few attendees accepted the argument that the new voting laws were intended to fight fraud, as supporters of those laws maintain.

Judith Browne-Dianis, co-director of The Advancement Project, said black women showed in 2008 they can turn out in record numbers. But in 2010, "we sat home and while we were sitting at home, there were others that were plotting and what they decided to do was to change the rules of the game."

The women invoke the name of abolitionist and women's suffragist Sojourner Truth, and repeat civil rights activist Fannie Lou Hamer's famous line ? "I am sick and tired of being sick and tired" ? as a rallying cry. They talk strategy about checking to see who's been purged from voter rolls or locating documents that voters need to get photo identification. All along, they remind voters of the time, before the Voting Rights Act of 1965 became law, when black people were kept from voting.

Barbara Arnwine, executive director of the Lawyers Committee for Civil Rights Under Law, said a voter hotline set up by several groups already gets a thousand calls a day. Callers are typically people who don't know if they can vote, whether their felony conviction keeps them from voting or what ID is required in their state, if at all.

Her organization has created a computer app that allows people to verify their registration status, get help registering online, learn about voting requirements in their state, find polling places and receive other assistance.

___

Online: National Coalition on Black Civic Participation: http://www.ncbcp.org

Election Protection: http://www.866ourvote.org

___

Follow Suzanne Gamboa at http://www.twitter.com/APsgamboa

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2012-09-21-Elections-Black%20Women/id-dea3a593a4ca4c29a32d8fa973a6ff1e

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