Friday, August 31, 2012

ING to sell Canadian retail bank to Scotiabank - seattlepi.com

ING Group is selling its Canadian retail bank to Scotiabank for $3.88 billion in cash.

The Dutch megabank said Wednesday that the deal will help sharpen its focus on core businesses and strengthen its balance sheet.

The division, called ING Direct Canada, offers savings, checking, mutual fund and mortgage products through telephone representatives and online access. ING says the division has about 1.8 million customers in Canada.

ING will continue to operate direct banking businesses in Australia, Austria, France, Germany, Italy and Spain. It is considering a sale of its United Kingdom business. It sold its U.S. business to Capital One Financial in February.

ING expects to record a gain of $1.38 billion on the Canadian sale.

Source: http://www.seattlepi.com/business/article/ING-to-sell-Canadian-retail-bank-to-Scotiabank-3825090.php

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Wednesday, August 29, 2012

Samsung Galaxy Stellar 4G Specs

Samsung Galaxy Stellar 4G

 

  • Android 4.0 OS
  • 1.2GHz dual-core processor
  • 4G LTE speed
  • 4-inch WVGA display (800 x 480)
  • 3.2-megapixel (rear) camera
  • 1.3-megapixel (front) camera
  • Weight: 4.7 oz
  • Bluetooth enabled
  • Talk time: Up to 17 hrs
  • Standby time: Up to 9 days
  • Battery type: Lithium-ion


Source: http://feedproxy.google.com/~r/androidcentral/~3/ExiQz4uaVGY/story01.htm

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Monday, August 27, 2012

Bollocks to the Prohibitionists (Theagitator)

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Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/243844891?client_source=feed&format=rss

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Manning looks ready for regular season

DENVER (AP) ? Peyton Manning looks like he's ready for the regular season, although he'll never admit it.

"We've still got another week. I think we can use this next week," Manning said after throwing his first two touchdown passes for the Denver Broncos in a 29-24 loss to the San Francisco 49ers on Sunday.

The Broncos (1-2) wrap up the preseason with a trip to Arizona on Thursday night, and it's unlikely that Manning will make even a cameo appearance in that game.

"I'm not sure what the situation will be playing time-wise. I'd like to use this week also to get an extra start on our opener against Pittsburgh. That's what I've done in the past," Manning said. "They're plenty to get ready for so, we can use that time. I think you've got to use every single day of practice, every single meeting in order to get more and more prepared. I'll take all the time we can get."

The Broncos' preseason finale against the Cardinals, however, will be more about determining Manning's primary backup and determining the final roster spots.

Caleb Hanie, rookie Brock Osweiler and Adam Weber have all done very little to distinguish themselves as the man who should back up The Man.

None shined after Manning exchanged his helmet for a visor after giving the Broncos (No. 10 in the AP Pro32) a quick 17-0 lead.

Hanie threw an interception and a touchdown pass, Osweiler was 4 of 9 for 27 yards and Weber 4 of 8 for 38 yards.

The backups for the 49ers (2-1) were much better, erasing a 24-10 halftime deficit on the strength of Anthony Dixon's 26-yard TD run and four of David Akers' five field goals.

Manning was close to perfect in his final regular-season tuneup. In less than a quarter of work, he completed 10 of 12 passes for 122 yards, including TD tosses of 10 and 5 yards to Eric Decker, and the only two misses were a dropped pass by Joel Dreessen and an errant throw to Brandon Stokley, who was held on the play but didn't draw the flag.

After managing one TD to go with four turnovers in his first seven possessions this preseason, Manning drove the Broncos to scores on all three of his series, then put on his visor with 46 seconds left in the first quarter.

"I think it was nice just to start fast and finish off some drives and put some points on the board and play some good football," Stokley said. "I think that was more important than him throwing the first touchdown pass."

The Broncos mixed up their looks, throwing in some no-huddle with four-wide receiver sets, using fullback Chris Gronkowski at the point of attack and sending tailback Lance Ball out wide to run routes like a receiver.

"No matter what grouping we were in we showed we could move the ball," Manning said.

Alex Smith threw a 49-yard TD pass for the Niners (No. 4), who outscored the Broncos' backups 19-0 in the second half but lost wide receiver Ted Ginn Jr. to an ankle injury early in the second half.

For the second straight week, the Broncos' backups were awful. They've now been outscored 40-0 after halftime in the last two games, both at home.

Denver's first drive stalled when the replacement officials failed to whistle cornerback Carlos Rogers for a blatant hold on a third-down pass to Stokley, and the Broncos settled for Matt Prater's 53-yard field goal.

Manning was money after that.

He completed all six of his passes for 83 yards on a long drive that ended with his first touchdown throw in orange and blue, a 10-yard strike to Decker, who beat Rogers across the middle. The highlight of the drive was a 38-yard pass to Ball, who beat linebacker Larry Grant.

Ball bruised his ribs on the play and didn't return. He said afterward he was fine.

So was Manning, who was blasted by linebacker Parys Haralson in the chest right as he released his longest pass of the preseason. After Ball came down with it, Manning bounced right up, raced downfield, lined up in the no-huddle and hit running back Willis McGahee for 14 yards to the San Francisco 12.

It was the second time Manning, who missed all of last season with a neck injury that required four operations, had been hit hard in the preseason, and both times shook off the cobwebs and responded with a big pass for the first down.

Linebacker Wesley Woodyard recovered a fumbled snap for the Broncos at the San Francisco 24, and four plays later, Manning found Decker wide open by the back left pylon for his second touchdown and a 17-0 lead.

The Broncos' onside kick backfired when Matthew Willis touched the ball about a yard early.

"I was surprised," Niners coach Jim Harbaugh said. "But I'm glad they did it. It's good for us because you always have to be aware of it."

On the next snap, Smith saw linebacker Von Miller on tight end Vernon Davis and hit Davis all alone along the left sideline for a 49-yard score.

Smith finished 5 of 7 for 69 yards.

"It was a little hard to get in a rhythm," Smith said, who was sacked just once. "I thought the young guys did a great job in the second half. We have some stuff to clean up obviously."

San Francisco's ground game, which had gained an NFL-best 378 yards through the first two weeks of the preseason, was stymied by the Broncos. With LaMichael James (left ankle) and Brandon Jacobs (left knee) sitting this one out, the 49ers were held to 14 yards on nine first-half carries, including two runs for minus-4 yards by Frank Gore.

NOTES: Broncos rookie RB Ronnie Hillman made his preseason debut after dealing with a pulled right hamstring and gained 29 yards on 10 carries. ... X-rays were negative on Ginn's right ankle. ... Rookie CB Omar Bolden bruised his left knee.

___

Follow AP Pro Football Writer Arnie Stapleton on Twitter: http://twitter.com/arniestapleton

___

Online: http://bigstory.ap.org/NFL-Pro32 and http://twitter.com/AP_NFL

Source: http://news.yahoo.com/manning-looks-ready-regular-season-080538604--spt.html

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Sunday, August 26, 2012

Issues With Common VOIP Networks | Pergolas & Timber Decking in ...

Issues with common VOIP networks

Safety is 1 of the greatest concerns in the area of VOIP community communications. Organizations which depend on VOIP infrastructure for inner as nicely as external communications need to be sure about the security associated with the VOIP infrastructure. If this safety is not correctly managed then it can operate a risk of letting out crucial organizational information. This can direct to a large loss of the organization in phrases of profit percentage and popularity. Therefore the VOIP options supplier must be chosen in this kind of a way that it can not only create a secured VOIP network inside the business but also support managed solutions.

Number of customers and the manageability

The VOIP solutions supplier must also be selected based on the number of voice communications the setup community can assistance at the same time. For example if a company has 1000 employees operating at the same time using the VOIP community then a set up to stand up to 400 ? five hundred workers might not be a feasible solution. Hence only VOIP solutions provider who support managed solutions is not enough. The options supplier needs to ensure that the infrastructure is strong enough in purchase to deal with the extra voice data that can remarkably trigger community failure if not managed properly. Manageability is also a termed included in long term network expansion ability.

Flexibility of the community for better consumer services

Versatility of a VOIP network is very important from the organizational stage of see. The VOIP network, which has already been set up, needs to be versatile in order to allow the future expansion and manageability of the community. Administration of big networks is frequently higher. But if the network is setup inside the organization in a correct way, with versatility of expansion, then the cot of both expansion as well as administration can go down. Versatility of organizational VOIP networks even allow the profit levels to raise with greater degree of customer fulfillment, if the organization has customer assistance more than voice service.

Reducing the price of administration and manageability Administration costs of VOIP networks might rise with improve in expansion and in community visitors. Inclusion of new community devices can also trigger a rise in the organizational budget. Consequently the VOIP solutions provider which is chosen for building the VOIP networks must be obviously told about the objectives of the business before environment up of the network. The same VOIP options provider might offer assistance managed services too.

Yourstrategic ? a total VOIP options supplier

Yourstrategic is one of the most famous VOIP options providers in the marketplace. The greatest advantage of Yourstrategic is their one hundred% consumer fulfillment till date, earned because of to high quality services they provide in the area of VOIP communication technologies. They setup reliable, price effective, versatile, manageable and secured VOIP networks at competent costs. The list of organization they have worked with is vast and at any time growing. The cause driving this is the one hundred% consumer fulfillment that they have maintained till day. The service provided by them is 1 of the best in the world, thanks to their expertise in VOIP options. Chris Mills is the director of Strategic communications , who spent nearly two decades to become expert in conversation for the IT services globe. His aim is to assist companies with strategic communications preparing,Support managed services , VOIP solutions companies ,wireless network answer and business development with media server methods for higher course integrated solutions starting from program designing, execution management with intrusion detection systems.

or more on Administered Incentive Pricing and Mobile broadband and Telecommunications consultants see our website

Source: http://pergolas.incroydonvictoria.com/issues-with-common-voip-networks/

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Romney touches 'birther' issue he avoided before

Republican presidential candidate, former Massachusetts Gov. Mitt Romney speaks during a campaign rally with vice presidential running mate Rep. Paul Ryan, R-Wis., on Friday, Aug. 24, 2012 in Commerce, Mich. (AP Photo/Evan Vucci)

Republican presidential candidate, former Massachusetts Gov. Mitt Romney speaks during a campaign rally with vice presidential running mate Rep. Paul Ryan, R-Wis., on Friday, Aug. 24, 2012 in Commerce, Mich. (AP Photo/Evan Vucci)

Republican presidential candidate, former Massachusetts Gov. Mitt Romney, right, listens and Republican vice presidential candidate, Rep. Paul?Ryan, R-Wis., speaks during a campaign event at the Long Family Farm, Orchard & Cider Mill, Friday, Aug. 24, 2012 in Commerce, Mich. (AP Photo/Mary Altaffer)

Republican presidential candidate, former Massachusetts Gov. Mitt Romney, left, and his vice presidential running mate, Rep. Paul Ryan, R-Wis., greet supporters during a campaign event at the Long Family Orchard Farm and Cider Mill in in Commerce Township, Mich., Friday, Aug. 24, 2012, (AP Photo/Paul Sancya)

(AP) ? Republican Mitt Romney raised the discredited rumor that President Barack Obama wasn't born in the United States, jokingly declaring "no one's ever asked to see my birth certificate" as he campaigned Friday near his own Michigan birthplace.

Romney later insisted the remark was just a joke and not meant to question Obama's citizenship. But the comment risked creating an unwanted distraction for Romney in his last few days of campaigning before the Republican National Convention begins Monday. It came a day after Romney caused another stir by declaring that big business was "doing fine" in the current struggling economy in part because companies get advantages from offshore tax havens.

Romney made his birth certificate remark at a large outdoor rally in Michigan, where he grew up and where his father, George Romney, served as governor. He was joined onstage by his wife, Ann, and running mate, Wisconsin Rep. Paul Ryan.

Romney told supporters that he and Ann had been born at nearby hospitals.

"No one's ever asked to see my birth certificate. They know that this is the place that we were born and raised," Romney said.

The crowd of more than 7,000 responded with hearty laughter.

But Obama campaign spokesman Ben LaBolt swiftly denounced the remark, saying Romney "embraced the most strident voices in his party instead of standing up to them." Obama's campaign later issued a 15-second online video with the clip of Romney's comments in Michigan, followed by this tagline: "Embracing unfounded conspiracy theories, distracting from real issues. America doesn't need a birther-in-chief."

Romney was asked about his comment in a CBS interview later in the day.

"No, no, not a swipe," Romney said. "I've said throughout the campaign and before, there's no question about where he was born. He was born in the U.S. This was fun about us and coming home. And humor, you know ? we've got to have a little humor in a campaign."

The authenticity of Obama's birth certificate has been questioned by some Republican critics who insist Obama is not a "natural-born citizen" as required by the Constitution. Obama released a long-form version of his birth certificate last year as proof that he was born in Hawaii in 1961. But polls show some Republicans remain unconvinced. A Pew Research Center poll taken in April found 19 percent of Republicans, when asked where Obama was born, said they weren't sure, and 6 percent believe he was born in another country.

Friday's remark came as top Romney advisers were announcing convention themes designed to feature Romney's personal side and life experiences as he introduces himself to a broad national audience with many who have yet to tune in to the presidential contest. It's also an opportunity for Romney to cast himself as a compassionate and serious candidate for the presidency after a summer of unforced errors and tough Obama campaign ads that have portrayed him as an out-of-touch multi-millionaire.

The joke also threatened to undercut Romney's recent complaints that Obama has been the one to inject a corrosive tone into the campaign.

Romney gave Democrats another opening Thursday when he attempted to sympathize with the struggles of small business owners.

"Big business is doing fine in many places," Romney said during a campaign fundraiser. "They get the loans they need, they can deal with all the regulation. They know how to find ways to get through the tax code, save money by putting various things in the places where there are low tax havens around the world for their businesses."

His comments resembled Obama's declaration earlier this summer that the "private sector is doing fine" ? a remark that Romney and other Republicans pounced on to portray the president as out of touch with the nation's economic pain. By invoking tax havens, Romney also drew indirect attention to the fact that he has kept some of his own personal fortune in low-tax foreign accounts, including in Switzerland and the Cayman Islands.

Romney's joking flirtation with the "birther" rumor was a departure for the former Massachusetts governor, who has largely steered clear of the controversy and has said when asked that he believes Obama was born in the U.S. Those around him have sometimes brought up the issue.

Romney's son Matt apologized earlier this year for saying that his father would release more of his tax returns "as soon as President Obama releases his grades and birth certificate."

Romney has also embraced the support of Donald Trump, who aggressively questioned Obama's place of birth during his own flirtation with a presidential run. It was Trump who was the impetus for Obama releasing his long-form birth certificate.

Trump has hosted a high-dollar fundraiser for Romney and is expected to have a role at the Republican convention.

Romney adviser Kevin Madden stressed that Romney has said he believes Obama was born in the U.S. and that his view had not changed.

"He was only referencing that Michigan, where he is campaigning today, is the state where he himself was born and raised," Madden said.

Obama campaign officials said the comment was evidence that Romney is trying to curry favor with conservatives ? some of whom remain unenthusiastic about Romney's candidacy.

"Governor Romney's decision to directly enlist himself in the birther movement should give pause to any rational voter across America," LaBolt said.

Obama's campaign tweeted from the president's Twitter account: "Song of the day: Born in the USA" along with a link to the Bruce Springsteen song.

And the Obama camp promptly held up Romney's remark in a fundraising email to supporters: "Take a moment or two to think about that, what he's actually saying, and what it says about Mitt Romney. Then make a donation of $5 or more to re-elect Barack Obama today."

Obama was at the White House Friday with no public events and was headed to Camp David for the weekend.

Meanwhile, in a sign Romney was further solidifying his base, former Republican presidential candidate Rick Santorum said he was releasing the delegates he won during the GOP primary race to the presumptive nominee.

A senior Santorum aide said the former Pennsylvania senator informed supporters of his plans during a Thursday night conference call. He's expected to release a public statement Friday followed by a formal letter. The aide spoke on the condition of anonymity because he wasn't authorized to speak publicly.

The decision is a formality that frees more than 200 delegates to support Romney at the party's national convention next week in Tampa, Fla. Santorum was Romney's top opponent for the GOP nomination. His withdrawal from the race in April cleared the way for Romney's general election fight against Obama.

___

Associated Press writers Jim Kuhnhenn, Kasie Hunt and AP Deputy Director of Polling Jennifer Agiesta in Washington and Tom Beaumont in Tampa, Fla., contributed to this report.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/89ae8247abe8493fae24405546e9a1aa/Article_2012-08-24-Presidential%20Campaign/id-0d303bb44dae4cc988b1bf42b7d44691

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Saturday, August 25, 2012

Why Computers matter











Computers are perhaps the most innovative technological advancement man has ever produced. Almost every technology on the planet is operated and run by computers. Computers have become integral part of modern human life both in social and business. Computers have changed the way of living since the day these products of technology and human ingenuity has been made available to everyone. Computers have sped up the way of living, researches and complicated calculations can now be done in an instant almost anywhere at any time given the availability of a computer.

Benefits of Computers on Buinesses

Computers have also greatly improved business operations in all industries. Computers allow businesses to improve on the organization of files and transactions with the variety of programs made for office organizations. Computers allow companies and small businesses to keep records and other information in a very accessible way. This ability to allow companies and businesses to organize leads to better productivity and time management. Another benefit of computers on businesses is it allows the company and the staff to be self-sufficient by helping in doing tasks that had to be outsourced. One prime example is in making training materials and sending mails.

Computers also aid companies in speeding-up business transactions and other operations. Companies can now do business transactions with distant customers, order materials from providers from half-way across the globe and other business related transactions faster and get better results. The technological advancement of computers and internet helps companies to generate higher sales and gain better profit through online business transactions via company website or ecommerce sites. With the use of this technology, businesses can operate online round the clock which allows customers to shop for the products and services anytime.

Imperfections of the Technology

Like any other product of technology, computers are also subjected to fail at some point. When this happens, it is wise to call the nearest computer repair in Burlington to have the computer serviced by professionals. Computers have many components inside that perform various tasks which are important for the computers to function properly. There are two main divisions of a computer, the software and the hardware. Softwares are programs found in the computer, some are essential in keeping the computer function well and some are tools in performing various tasks. One big factor that can affect the functionality of the softwares is when the computer is infected with software viruses. These viruses usually target the important software programs that run the whole computer. When these important programs are infected with the software virus, the program usually fails to do its task.

The hardware of the computer mainly consists of the monitor, keyboard, mouse,video card, hard disk and all the other physical parts of the computer. As for the fact that computers have physical parts, it is safe to assume that physical factors may cause some parts of the computer to malfunction or wear-out. Some hardware parts of the computer may be sensitive to water. When these parts get in contact with water, it will inevitably have damages that are sometimes beyond repair. In these cases technicians from computer repair in Burlington will suggest that the damaged part be replaced and the technicians will help install the new parts.

It is not hard to find computer repair in burlington but make sure that the ones you hire need to be professional and expert who fulfil your requirement! Click here.

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Seahawks: RT @WMoon1: On my way to Kansas City to prepare for the @Seahawks vs @KCChiefs game..let's bring another W Hawks! #NFL

Sorry, Readability was unable to parse this page for content.

Source: http://twitter.com/Seahawks/statuses/238722034169942016

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Accounting Financial Analyst Resume Sample | Resume My Career

The sample below is for a Accounting Financial Analyst Resume. This resume was written by a ResumeMyCareer professional resume writer, and demonstrates how a resume for a Accounting Financial Analyst Candidate should be properly created. Our Certified Professional Resume Writers can assist you in creating a professional document for the job or industry of your choice.

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ACCOUNTING/FINANCIAL ANALYST

Dynamic and efficient with extensive experience managing in customer-driven and dynamic industries and recognized success in handling projects to help streamline and improve operational and financial effectiveness of organization, with proven ability to work effectively in busy environments with positive results. Highly motivated and efficient in extracting financial data from various accounting and information systems, performing moderately complex statistical, cost and financial analysis of financial reports and data, and preparing subsequent narrative analysis for management. Highly analytical with acknowledged reputation for integrity, sound business acumen and versatility in adapting to new roles, tasks, applications, and environments Proactive and results oriented with excellent interpersonal and communication skills, and experienced in working with different teams and individuals at all levels from diverse cultural and socio-economic backgrounds.
Core Competencies
Operations Management ? Organizational Leadership ? Bank Reconciliation ? Payroll ? Process Improvement ? Account Receivables & Payables ? Financial Analysis & Statements ? General Ledger ? Accounting ? Training

PROFESSIONAL EXPERIENCE
Strategic Staffing Services, La Crescenta CA 8/2010 ? 6/2012
Financial Analyst (Summit)
Created and established electronic payment for federal, state and local payroll tax liabilities and filed quarterly and annual payroll tax returns electronically including 941, 940, DE9, DE9C, DE7, 401(k), HSA, FSA and WC funding. Handled setting up of new bank accounts and streamlined information into tax agency websites. Processed AP, AR and CR and reconciled bank statements. Managed general ledger both monthly and year-end close. Secured fixed assets, documented quarterly depreciation expense and processed garnishments and WC premium payments. Handled posting of cash transfers and verifying of payroll tax rates. Restructured and organized charts of accounts, vendor master, and published financial statement. Managed and booked inter-company billing. Conducted training on accounting process and coding to staff and personnel. Developed ageing AR and AP reports.
Omnia Sales, Inc., Burbank CA 6/2009 ? 8/2009
Sr. Staff Accountant (MAS90)
Managed cash receipts, monitored daily cash flow and posted credit card purchases. Processed payroll and other related employee documents. Performed month-end close procedures and handled reconciliation of bank statements. Gathered and analyzed data?s for general ledger posting. Oversaw and supervised AP and AR clerks to ensure compliance to company policy and procedures.
Universal Switching Corp., Burbank CA 9 11/2007 ? 3/2009
Senior Staff Accountant (MAS90)
Handled processing of accounts payable, receivable and credit. Created quarterly financial statements and conducted audit to general ledger. Performed month and year-end close procedures, realigned cash and reconciled bank statements. Developed and standardized accounting procedures and assisted with the automation and alignment of internal accounting controls. Conducted training to staff regarding accounting procedures. Managed inventory, accrued purchases accounts and tracked fix assets and documented depreciation. Assisted in payroll and handled 1099 forms. Participated in ISO team.
Consulting Engagements (QuickBooks) 9/2006 ? 10/2007
Staff Accountant
Handled accounting process for several companies including but not limited for CAL-X Construction, Ceiva Logic & Haskel International, Inc. Managed accounts payables and maintained vendor database. Handled cash, general ledger and bank statements reconciliation. Assisted in inventory tracking, verified, and posted customer sales invoice and cash receipts. Analyzed loan draw and job cost report. Conducted simulated costs roll-ups for both new and existing part numbers. Collaborated with owner and auditor to develop and organize general ledger balances. Handled recording of payroll.
RWR Group of Companies, Van Nuys CA 1/1990 ? 7/2006
Assistant Controller (Timberline)
Managed accounts payable, receivable, payroll and processing of commission checks. Monitored cash flow and reconciled bank statements, inter-company accounts and job cost reports to G/L WIP accounts. Developed and maintained chart for accounts, job numbers and cost codes and handled processing of payroll and garnishment checks. Created and maintained schedules for accrual, depreciation & amortization schedules and prepaid and owners equity accounts. Oversaw WC and GL audits, prepared, and processed 1099s. Managed loan draws and checks and allocated shared overhead expense to corresponding entities. Handled balancing of AP ageing to general ledger control account and handled uploading of 401(k) contributions and completing of annual census and business and sales tax returns.

EDUCATION AND CREDENTIALS
BS in Accounting & Business Administration, 10/1009
University of Phoenix ? Van Nuys, CA

Source: http://www.resumemycareer.com/accounting-financial-analyst-resume-sample/

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Friday, August 24, 2012

Tariq's Take: Like Dividend Stocks? Beware the Fiscal Cliff ...

Dividend-paying stocks have been on a tear over the last 12 months, rising 26.7%, as investors chase yields in the current zero-interest rate environment.? These stocks offer the compelling combination of potential income along with their status as defensive plays should the economy fall back into recession.

It pays to be cautious whenever a run-up like this occurs, and that is especially true for dividend stocks, which have tended to be slower-growth, more mature companies.?

However, the more immediate threat confronting these names is what has not-so-affectionately been termed as the ?fiscal cliff.?

Scheduled to take effect next year, this package of laws would rescind the Bush tax cuts and effectively increase tax rates on dividends to 39.6% from 15%. ?To put this in context, a tax increase of nearly 25 percentage points could cut a 2% dividend yield down to 1.51%, making it much less attractive.

Meanwhile, income from other asset classes could remain largely unaffected.

What is particularly alarming about the fiscal cliff is that it doesn?t require an act of Congress to put it into force. Rather, it will need an act of Congress ? and President Obama?s signature ? to stop it. Given the current political landscape and the fact that we are in an election year, the chances of a bipartisan agreement by year?s end seem remote.?

History tells us that periods of uncertainty caused by government inaction can cause large shifts in the market. For example, during the federal debt-ceiling debate last summer, the S&P 500 dropped 11% during those 10 trading days (July 25-Aug. 11) ? and even supposedly defensive-minded dividend stocks dropped 9%. That provided some protection, but not a lot.

If something similar happens this year, dividend stocks could face the double barrel of uncertainty plus a potentially large tax increase, making them especially vulnerable.

So, what is an investor to do? One option would be to consider rotating into other income-generating assets that avoid the large tax increases promised by a post-fiscal cliff world. ?For example, some municipal bond funds pay dividends that are exempt from federal income taxes and may therefore be largely unaffected. Their relative yield can become ?more attractive vs. dividend stocks as the fiscal cliff approaches.??

In addition to the generated income, if munis become more attractive than dividend stocks, bond prices could rise, which could boost the potential for capital gains for those investors who elect to shift their investments this year.?

Of course, there are always risks with any asset class, and any bond investor should consider interest rate and default risks, among others. ?While the fiscal cliff doesn?t really impact these issues directly, it can have a major effect on your after-tax yield relative to dividend stocks.

If you prefer equities, real estate investment trusts and master limited partnerships have traditionally offered strong dividend yields (often above 7% in the case of MLPs) without the huge risk of a change in dividend tax rates.? Both enjoy tax-advantaged status, which allows them to avoid corporate income taxes if they distribute 90% of their earnings to shareholders. ?

The tradeoff is that shareholders have to pay income taxes on dividends at standard rates. However, that?s nothing new ? since these dividends never benefitted from the dividend tax break, they could be largely unaffected by the fiscal cliff.

Like any event, the fiscal cliff poses a potential threat that can bring significant volatility and uncertainty to the marketplace. For a forward-thinking investor who can adapt to the changing landscape, however, it can also be an opportunity.

? Tariq Hilaly is?co-founder and chief investment officer of Motif Investing.?

Related posts:

dividend stocks, fiscal cliff, politics Cultural Trends

Source: http://blog.motifinvesting.com/dividend-stocks-fiscal-cliff/928

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Thursday, August 23, 2012

Fifty buildings destroyed by Northern California wildfire

SACRAMENTO, California (Reuters) - Fifty buildings were destroyed by a 21,500-acre wildfire raging in Northern California that has forced the evacuation of about 3,000 people near the small town of Manton, fire officials said late on Tuesday.

Dubbed the Ponderosa Fire, the lightning-sparked blaze roared through brush and heavy timber in Tehama and Shasta counties, about 125 miles north of the state capital Sacramento, since it started on Saturday.

Firefighters were finally able to survey the damage from the air in one of the more heavily populated areas affected, to the southeast of tiny Manton, on Tuesday.

The structures destroyed include not only residential houses but also barns and sheds, but firefighters were not expected to inspect the damage up close and on foot until Wednesday, Chico Fire Division Chief Shane Lauderdale told Reuters.

"There is a good chance that number (of destroyed buildings) will go up, because they haven't been able to get into the whole area affected by the fire," Mike Witesman, a spokesman for the California Department of Forestry and Fire Protection, said.

More than 2,000 fire personnel successfully fought strong winds all day Tuesday to save the neighboring small town of Shingletown from burning, Lauderdale said.

However, more than 200 residences remain threatened by the blaze burning over steep and rugged rural terrain.

Two firefighters have suffered minor injuries while fighting the blaze, which officials said has been 40 percent contained.

The Northern California fire is among nearly three dozen large conflagrations burning out of control through the drought-stricken Western states, devouring well over 1 million acres, according to the National Interagency Fire Center in Boise.

(Reporting by Mary Slosson; Editing by Bill Trott, Lisa Shumaker and Pravin Char)

Source: http://news.yahoo.com/fifty-buildings-destroyed-northern-california-wildfire-042824740.html

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Interview With Writer Sadie Smythe | Julie Gillis

I?m a big fan of my friend and Bedpost Confessions co-producer, Sadie Smythe. She?s not only got a great sense of humor, a brilliant writer, but she?s focused more on more on the absolute beauty of staying in the moment, connected, in every way. Here I interview her about her work around sexuality and sobriety.

1) Tell me about your new consulting and speaking practice? I know you?ve always had a passion for education around sexuality, but what?s different about this?

My consulting practice stems from my personal experiences with non-traditional relationships ? specifically non-monogamy/polyamory/open relationships. As a writer on this subject for many years, I am often called upon to consult those who are experiencing turmoil within their own relationship structures (traditional or otherwise). I found that my perspective was deemed valuable by many people and so I decided to expand and offer it to whomever might be seeking guidance. I often find that it isn?t so much the relationship that needs re-setting or repairing, but the individuals themselves that just need a little insight on viewing situations differently.

My speaking practice came to fruition after I?d told my story at a couple of BedPost Confessions shows on my experiences with sex and how they were impacted by alcohol. I was approached by an alarming number of people afterward (men and women, young and not young) who told me that they had never had sex totally sober ? that alcohol had always accompanied their sexual encounters. This, plus some further research, enlightened me that our drinking culture has created a massive disconnect between people. Alcohol not only acts as a barrier to intimacy, but it also can inhibit us from making rational decisions surrounding our sexual health that can have psychological, emotional or physiological implications. I speak from experience here.

2) What has surprised you the most as you?ve moved into this niche of human sexuality?

When I did my research, I discovered a study that indicated that 80% of first sexual experiences occur under the influence of drugs or alcohol. I am not sure why that surprised me as that was my own experience. But it scared me a little. Actually a lot. As a mother, I want my daughter to know the beauty of sex, and I want her first experiences to be authentic, engaging, and enjoyable. When alcohol impairment is factored in, so many things can go wrong. We actively preach and discourage teenage drunken driving, but there is a tacit acceptance of teen/young adult drunken fucking. This makes no sense to me. Our sexual selves are so vulnerable, especially in the beginning. I want everyone to understand that when those first sexual experiences are good, then the kids experiencing them are more likely to be set up to have fulfilling sexual lives. Whether or not we want to acknowledge this, it is important.

3) Will you tell me a little about how connection and intimacy are related to sober consciousness and how you address that in your work?

Our culture teaches us that having a drink together bonds people, and in some ways it does. The practice of sharing a drink with someone creates an intimacy that can indeed be the precursor to a relationship. The same phenomenon occurs over tea. Coffee too. However indulging in tea and coffee isn?t going to make an otherwise responsible adult choose not to use a condom with the person they just met at a bar. There is a domino effect that can occur when you are experiencing temporary brain damage (which is, technically, what being drunk is). You may be having fun, but you aren?t completely present. You might not be totally present with your environment, with your partner, or even with yourself.

4) What could someone expect from a session with you? Can you talk to us a little about the process?

I sit down with (in person, on the phone, or via Skype) with whomever I am consulting and I have them tell me a little bit of their story and what is it they want to work through. I listen actively and with empathy, and we essentially have a conversation much like one might have with an old friend. It?s rather casual in approach, and I often relate my own experiences if they are relevant (which they often are.) This is a very different style from traditional therapy, and is one I think necessary. If there is one thing I have learned it is that people want someone who truly understands exactly what it is they are going through to hear them. I can, and do, offer that perspective.

5) Finally, how do we get in touch with you and start exploring sober sexuality?

You can visit my consulting website at sadiesmythe.com or find me through my personal blog at thatswhatsadiesaid.com or email me at Sadie Smythe

____

?Looking for one-on-one coaching on relationships, sexuality, life passages, or need support with personal or career goals? Seeking seeking a facilitator for your group or team to help promote healthy group dynamics and effective communication? Contact me here!

?For more, subscribe to this blog, follow my twitter, connect with me on facebook, and check me out on Pinterest!

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Source: http://juliegillis.wordpress.com/2012/08/22/interview-with-writer-sadie-smythe/

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Wednesday, August 22, 2012

Forest razing by ancient Maya worsened droughts, says study

ScienceDaily (Aug. 21, 2012) ? For six centuries, the ancient Maya flourished, with more than a hundred city-states scattered across what is now southern Mexico and northern Central America. Then, in A.D. 695, the collapse of several cities in present day Guatemala marked the start of the Classic Maya's slow decline. Prolonged drought is thought to have played a role, but a study published this week in the journal Geophysical Research Letters adds a new twist: The Maya may have made the droughts worse by clearing away forests for cities and crops, making a naturally drying climate drier.

"We're not saying deforestation explains the entire drought, but it does explain a substantial portion of the overall drying that is thought to have occurred," said the study's lead author Benjamin Cook, a climate modeler at Columbia University's Lamont-Doherty Earth Observatory and the NASA Goddard Institute for Space Studies.

More than 19 million people were scattered across the Maya empire at its height, between A.D. 250 and A.D. 900. Using population records and other data, the study authors reconstructed the progressive loss of rainforest across their territory as the civilization grew. The researchers ran computer simulations to see how lands newly dominated by crops would have affected climate. In the heavily logged Yucatan peninsula, they found that rainfall would have declined by as much as 15 percent while in other Maya lands, such as southern Mexico, it would have fallen by 5 percent. Overall, the researchers attributed 60 percent of the drying estimated at the time of the Maya's peak to deforestation.

As crops like corn replace a forest's dark canopy, more sunlight bounces back into space, said Cook. With the ground absorbing less energy from the sun, less water evaporates from the surface, releasing less moisture into the air to form rain-making clouds. "You basically slow things down -- the ability to form clouds and precipitation," he said.

The idea that the Maya changed the climate by clearing away jungle, partly causing their demise, was popularized by historian Jared Diamond in his 2005 book Collapse. In the first study to test the hypothesis, climate modeler Robert Oglesby and his colleagues ran a computer simulation of what total deforestation of Maya lands would do to climate. Their results, published in 2010 in the Journal of Geophysical Research, showed that wet season rainfall could fall 15 to 30 percent if all Maya lands were completely cleared of trees. Oglesby, who was not involved in the Cook study, said that Cook's estimate of a 5 to 15 percent reduction in rainfall, though lower than his own, makes sense since Cook's simulation used a realistic tree-clearing scenario.

Archeologists attribute a variety of factors to the collapse of the Classic Maya, whose ancestors are still living today in parts of Mexico, Guatemala, Belize, El Salvador and Honduras. In addition to a drying climate in several regions, the city-states struggled with overpopulation, changing trade routes, war and peasant revolts.

The Maya cleared the forests to grow corn and other crops, but they also needed the trees for cooking large amounts of lime plaster used in constructing their elaborate cities. Thomas Sever, an archeologist at the University of Alabama, Huntsville, and a co-author of the 2010 deforestation study, said that it would have taken 20 trees to produce a single square meter of cityscape. "When you look at these cities and see all the lime and lime plaster, you understand why they needed to cut down the trees to keep their society going," he said.

The Maya also lacked the technology to tap the groundwater several hundred feet beneath them. Their reservoirs and canals were able to store and distribute water when rain plentiful, but when the rain failed, they had nowhere to turn. "By the time of the collapse, every square mile of soil had been turned over," said Sever.

Scientists know from studying climate records held in cave formations and lake sediments that the Maya suffered through a series of droughts yet they continue to debate their severity. In a paper earlier this year in Science, researchers Mart?n Medina-Elizalde and Eelco Rohling of Mexico's Yucatan Center for Scientific Research found that annual rainfall may have fallen as little as 25 percent during the Maya's decline, from about A.D. 800 to A.D. 950. Most of the reduction in rainfall, however, may have occurred during the summer growing season when rain would have been most needed for cultivation and replenishing freshwater storage systems, they added.

Today, many of the Maya's abandoned cities are overgrown with jungle, especially on the Yucatan peninsula. Satellite images, however, show that deforestation is happening rapidly elsewhere, including in other regions the Maya once occupied. The study may offer a warning about the consequences: "There's a tremendous amount of change going on in Guatemala," said Oglesby. "They may be that much more vulnerable to a severe drought."

Other authors of the study are: Kevin Anchukaitis, Lamont-Doherty; Jed Kaplan, Ecole Polytechnique Federale de Lausanne in Switzerland; Michael Puma, NASA GISS; Max Kelley, NASA GISS and Denis Gueyffier, ONERA, the French Aerospace Lab.

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The above story is reprinted from materials provided by The Earth Institute at Columbia University.

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


Journal Reference:

  1. Benjamin I Cook, Kevin John Anchukaitis, Jed Kaplan, Michael Joseph Puma, Maxwell Kelley, Denis Gueyffier. Pre-Columbian deforestation as an amplifier of drought in Mesoamerica. Geophysical Research Letters, 2012; DOI: 10.1029/2012GL052565

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

Disclaimer: Views expressed in this article do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/top_news/top_environment/~3/e5uPxZxKD58/120821115001.htm

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The Reasons Why People Buy New Homes - Idaho Real Estate

meridian_homes_3_400Buying new homes is thought of as a wonderful idea by many, but others prefer buying existing homes. It is up to the buyer to decide, but they should have as much knowledge as possible on the pros and cons of buying new construction homes so they can make an informed decision that makes the most sense for them. Here are some of the main reasons why buyers would pick new construction property in Idaho:

Personalization

Probably the number one reason that homebuyers purchase new homes is that they get to customize just about everything inside their new home. It feels great to have something that you picked out, rather than having just what came with the house. Builders today also feature many different floor plans and home styles to choose from so you can find what will suit you best. Your real estate agent, that should know your preferences well, will work with the you and the builder to ensure what you want comes across in your home.

Quality and Efficiency

Think how much technology has advanced from where it was ten, fifteen, or fifty years ago--the process of building homes is no different--it has progressed significantly. Homes are built very well today, according to modern building, earthquake, and energy codes. When buying new construction property in Idaho, you aren't just picking the new home for its aesthetics, new homes deliver top-notch quality. Importantly, builders take special care today to be sure homes are more energy efficient, even new garage doors help with this as they have far more insulation and are much more energy-efficient.. Energy efficiency saves the environment and homeowners lots of money on heating, cooling, and energy costs. Modern heaters, air conditioning units, toilets, and appliances that come in new homes are usually Energy Star rated, while if you bought an existing home, making all the updates on everything in the home would be very expensive. Ultimately, energy efficiency in new homes should save you hundreds of dollars a year.

Location

New homes are built in some of the best locations for property in Idaho. Developers that are deciding where to put in a new subdivision know that if it isn't in an attractive location, then the houses won't sell. When you start the process of buying a new construction home, you will choose a lot to put the house. It is quite significant that you are choosing where you put your house rather than being forced to live wherever the house you want is built in pre-existing homes. In general, location for new homes beats existing homes.

Maintenance

Those buying property in Idaho who don't want to fool around with fixing things around the house often decide on new construction homes. Just like new cars, new homes often cause fewer and less drastic problems for their owners. Do you really want to worry about taking out a huge stump in front of an old house or fixing a pipe problem? New homes often come with a valuable warranty from the builder that covers a host of common housing issues.

Building a new home is not just for the wealthy--there are great builders that specialize in building homes in each price range. Don't just assume that when buying a house it will be a pre-existing home. Just like anything else in real estate, you want to make calm, calculated decisions. Search all area new construction property instantly by adjusting the year built on the search function to 2012!

Source: http://www.buyidahorealestate.com/blog/the-reasons-why-people-buy-new-homes.html

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Tuesday, August 21, 2012

Wellness Benefits of Practicing Jiu Jitsu | michael kors

Posted on | August 20, 2012 | Comments Off

Health and fitness is essential in every our existence?s and we have to maintain our health and fitness. Some even say that wellness is achievement. This declaration could be accurate for the reason that when you did not have well being you could possibly be nutritious sufficient to get pleasure from your success, therefore in order to generally be rich you?ll need certainly to be nutritionally beneficial. Allow?s create your search for for discovering the great sport to be a section of which means you can get the utmost advantage from the actual fitness, effectively that sport can be Jiu Jitsu.Jiu Jitsu will not be only the fastest growing martial art but it really is also proven to get possibly the most useful martial art function in the world. Therefore simply by understanding Jiu Jitsu you actually have an advantage in excess of everyone else. The advantages of teaching in Brazilian Jiu Jitsu are just exceptional, on another hand. It is actually stated you can perhaps lower anywhere from 700 ? 1,500 calories in one single instruction treatment of BJJ. To drop that exact same sum in operating in regards to the treadmill you?ll should operate for lots of a number of hours to appreciate similar be a consequence of Bjj. Whenever you coach with this game your cardiovascular system is beating truly rapidly plus the quicker your heart beats signifies somewhat more fats burning good results are given by your out is. As well as even though chances are you won?t really feel it in the course of education, your muscle tissues are operating constantly all through your teaching sessions. Consider me when you make 5 times every week and digest ideal you could have a very 6 bunch with a lil bit of stay advantages so you?ll see that your system is pretty toned.One more wonderful health and exercise gain if Jiu Jitsu could be the fact that it keeps you active being truly an interest. When you are dynamic and hire a healthful coronary heart that also means that your sex living might obtain further heights. Ask numerous wifes of BJJ professionals and they?ll let you know how it?s helped them. Actually, many individuals now purchase this style as a way of life for them. Many people also utilize this being fully a coping mechanism. What I mean by which is, when people today get pressured some people drink, smoke, or do various details but Jiu Jitsu is the better of coping mechanisms. If you are consumed with stress this will get plenty of stress off your each and every day existence. BJJ reduces pressure dramatically.

Visit our website for more information about jujitsu

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Source: http://how-guide.com/2012/08/wellness-benefits-of-practicing-jiu-jitsu-2/

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Monday, August 20, 2012

She Made False Accusations - Reference and Education

August 19th, 2012 by admin

I am glad that I was able to get a Bail Bonds San Antonio to come and get me out of jail. The last thing that I needed to deal with was going to jail especially when I had to work in the morning. However, the police came to my home and hauled me away because my ex-wife made false accusations towards me. I could not believe how angry I was that she would do something like this. My life could have been destroyed.

Posted in Latest News About Education

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Source: http://www.forefrontcurriculum.com/latest-news-about-education/she-made-false-accusations/

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Sunday, August 19, 2012

Tropical storm heads for landfall on Mexican coast

VERACRUZ, Mexico (AP) ? After forming close to shore, Tropical Storm Helene headed north along Mexico's Gulf coast early Saturday posing a threat to areas where thousands of people were still recovering from flooding spawned last week by Hurricane Ernesto.

The U.S. National Hurricane Center said Helene sprang up Friday then weakened to barely tropical storm strength by nighttime, but its forecast said the storm could strengthen again before making an expected landfall Saturday.

Helene had maximum sustained winds of 40 mph (64.37 kph) and was moving northwest at 7 mph (11 kph) late Friday. It was centered about 65 miles (105 kilometers) east of Tuxpan.

Landfall was predicted for the northern part of Veracruz, a lush coastal state with hundreds of towns and villages sitting along streams and rivers that can swell dangerously in heavy rain. Many were evacuated as Ernesto approached last week, and flood damage made some 10,000 people homeless.

Mexico's government declared a state of emergency in more than 100 population centers in Veracruz and was providing them with emergency aid. The country's national weather service warned of intense rains and winds along the Veracruz and Tamaulipas coasts, with heavy rain, hail and lightning possible.

Helene was predicted to bring 5 inches (12.7 centimeters) to 10 inches (25 centimeters) of rain, with as many as 15 inches (38 centimeters) across northeastern portions of Mexico. A storm surge could raise water levels by as much as 1 to 2 feet (0.6 meters) above normal along the immediate coast and to the north of where landfall is made.

Heavy rain was expected in the city of Tampico, an oil-refining center and important port in the southernmost part of Tamaulipas state. The Tampico metropolitan area has roughly 790,000 inhabitants, sits just above sea level and is surrounded by lakes and lagoons that are already full and could easily flood in the event of heavy rains.

Civil protection authorities in Veracruz issued a yellow alert, one level below the highest warning, for population centers in the north and center of the state, warning residents to familiarize themselves with the locations of emergency shelters, avoid crossing swollen streams and rivers, and keep listening to radio and TV for storm updates.

Meanwhile, Portugal posted a tropical storm watch for the central and eastern Azores islands as Tropical Storm Gordon moved eastward across the Atlantic.

Source: http://news.yahoo.com/tropical-storm-heads-landfall-mexican-coast-052720656.html

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Saturday, August 18, 2012

Panetta prods Karzai on Afghan insider killings

Lance Cpl. Greg?Buckley?Jr.'s father Greg, foreground, and mother Marina are escorted from St. Agnes Cathedral after his funeral Mass, Saturday, Aug. 18, 2012, in Rockville Center, N.Y.. Buckley?Jr. was barely 21 years old when he was killed in an attack by a policeman in Afghanistan. (AP Photo/Mary Altaffer)

Lance Cpl. Greg?Buckley?Jr.'s father Greg, foreground, and mother Marina are escorted from St. Agnes Cathedral after his funeral Mass, Saturday, Aug. 18, 2012, in Rockville Center, N.Y.. Buckley?Jr. was barely 21 years old when he was killed in an attack by a policeman in Afghanistan. (AP Photo/Mary Altaffer)

WASHINGTON (AP) ? Defense Secretary Leon Panetta and Afghan President Hamid Karzai have discussed the rising number of "insider" attacks in which Afghan security forces have turned their guns on American and other coalition troops.

Spokesman George Little said Panetta and Karzai talked by phone on Saturday.

Panetta encouraged Karzai to work with U.S. commanders to ensure more rigorous vetting of Afghan recruits.

The call was a sign of growing concern in Washington about the insider threat, particularly because American and allied troops are now working more closely with the Afghan army and police in preparation for the transition to complete Afghan security control by 2014.

In the latest incident, an Afghan police officer on Friday shot to death two U.S. servicemen during a training exercise in the western province of Farah.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/386c25518f464186bf7a2ac026580ce7/Article_2012-08-18-US-Afghanistan/id-ad6fdb1186bb4a4db31c72e36ee1cf82

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Friday, August 17, 2012

Protest turns deadly as police fire at miners

Siphiwe Sibeko / Reuters

A policeman fires at protesting miners outside a South African mine in Rustenburg, 62 miles northwest of Johannesburg on Aug. 16.

GRAPHIC WARNING: This post contains graphic images which some viewers may find disturbing.

South African police opened fire on Thursday against thousands of striking miners armed with machetes and sticks at Lonmin's Marikana platinum mine, leaving several bloodied corpses lying on the ground.

A Reuters cameraman said he saw at least seven bodies after the shooting, which occurred when police laying out barricades of barbed wire were outflanked by some of an estimated 3,000 miners massed on a rocky outcrop near the mine, 62 miles northwest of Johannesburg.

Reuters reported: Police opened fire with automatic weapons on a group of men who burst out from behind a vehicle. The volley of bullets threw up clouds of dust, which cleared to reveal at least seven bodies lying on the ground, Reuters television footage showed.

The Marikana strikers have not made their demands explicit, although much of the bad blood at the mine stems from AMCU's challenge to the two-decade dominance of the National Union of Mineworkers, which is closely linked to the ruling African National Congress.

AP

Striking mineworkers throw stones as police open fire at the Lonmin Platinum Mine near Rustenburg, South Africa, Aug. 16.

Siphiwe Sibeko / Reuters

A paramedic receives help from a policewomen as he tends to the injured after protesting miners were shot outside a South African mine in Rustenburg.

AP

Police surround the bodies of striking miners after opening fire on a crowd at the Lonmin Platinum Mine near Rustenburg, South Africa on Aug. 16. South African police opened fire Thursday on a crowd of striking workers at a platinum mine, leaving an unknown number of people injured and possibly dead. Motionless bodies lay on the ground in pools of blood.

Police in South Africa have opened fire on thousands of miners who were striking over their conditions and pay at a British-owned mine. At least a dozen have died. ITV's Paul Davies.

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Source: http://photoblog.nbcnews.com/_news/2012/08/16/13317646-protest-turns-deadly-as-police-fire-at-miners-in-south-africa?lite

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National Sports Club Redevelopment ? Concept Masterplan ? News ...

10 hours ago | Kelly Smith

Please click here to view the Concept Site Masterplan

The National Sports Club at Southwell Park was officially opened on September 12, 1970 by Sir John Overall.

The $200,000 National Tennis and Squash Centre, the current headquarters of Tennis ACT (TACT), was a joint project between the tennis and squash associations, originally boasting 12 granite tennis courts, six grass courts, six squash courts, a licensed bar, change rooms and administration offices.

The club has a rich history; playing host to squash legend Heather McKay, and tennis greats such as Roy Emerson, Neale Fraser, Adrian Quist, John Newcombe, John McEnroe and Ivan Lendl. More recently, Justine Henin, Ana Ivanovic and Mary Pierce have competed at the venue.

Over the years the club has expanded to meet the needs of the enthusiastic tennis-playing community. It currently has 25 tennis courts, eight squash courts, three indoor cricket courts and a licensed clubhouse with 18 poker machines.

The local tennis programs delivered from the facility have also produced players who have gone on to international success, including Wally Masur and Alun Jones.

The National Sports Club, through tennis, has been providing many benefits to the local community and economy over the past 40 years, these have included:

??Active recreation and unstructured play ? public access casual hire
??Grassroots community based participation programs ? Tennis in Schools and MLC Tennis Hot??? Shots
??Club competitions ? social tennis, club championships, etc.
??Domestic competitions ? pennant and Turbo Tennis finals
??Domestic tournaments ? Junior Development Series and Resident Championships
??Interstate tournaments ? AMT, OJT and Tennis NSW Junior Development Series
??Tennis Seniors events and competitions
??International tournaments ? Pro Tour, ITF Junior and Senior events
??Athlete development ? ACT National Academy, Tennis NSW South Eastern Regional Academy? and TACT Talent

Development programs
??Inclusion programs for the indigenous and disabled
Currently, TACT has players and coaches from the surrounding region participating or coaching at the centre and it will continue to provide an important development pathway for community programs, athlete development and coaching for the surrounding region.

These regional and national programs will have the capacity to further expand with the proposed new infrastructure.

While TACT continues to offer such programs, its facilities are in a state of disrepair. The centre?s poor state played a part in the centre losing the right to host the Canberra Women?s Classic, an international tennis tournament in January, and is hampering efforts to offer world-class practice facilities for the whole community.

The facilities are in such a state of disrepair that the building will soon be unsafe. The major issues include:
??Multiple roof leaks
??Rotting floor boards and ceiling panels
??Structural integrity of the indoor cricket viewing mezzanine and first floors
??Ongoing plumbing and electrical faults ? constant power outages due to circuit overloads
??Inadequate heating and cooling ? Boiler can no longer be serviced
??Ongoing challenges in keeping the fire and safety equipment in compliance
??Squash courts leak through the vandalised exhaust fans

The $20 million redevelopment, a joint project by Tennis ACT, Tennis Australia, Next Generation Clubs of Australia and the ACT Government, will build a high quality modern leisure facility to benefit the whole community.

The facilities are proposed to include:
??12 hard court tennis courts (8 outdoor, 4 indoor)
??8 sand-filled artificial grass tennis courts
??12 clay tennis courts
??Tennis amenities, including:
??????? ? Clubroom
??????? ? Change rooms
??????? ? Coach offices
??????? ? Tournament office
??Outdoor pool and garden/barbecue area
??Modern gymnasium
??25m indoor pool and children?s pool
??Spa, steam rooms and sauna
??6 squash courts
??Licensed bar and cafe/restaurant and ancillary lounge areas
??Children?s games area and soft play area
??Cr?che
??Premium members wet area
??Small meeting room
??High quality change rooms
??Specialty ancillary retail goods and services
??General administration offices, storeroom and circulation space, including office space for TACT

The redevelopment will also facilitate a change in business model, which will remove TACT?s reliance on a licensed club to remain sustainable. The model would also remove poker machines from the facility, helping to alleviate problem gambling issues in the local community.

The proposed new centre will remain within the Lyneham Sports Precinct, and thus complements the ACT Government?s vision for the delivery of sports facilities in the Territory.

While there are two distinct aspects to the development, the tennis facilities (Block 12) and the leisure centre (Block 10), a holistic approach will be taken to the project to create economies wherever possible.

This course will see a coordinated development application for deconcessionalisation of Block 10 and 12, with two additional development applications for lease variations and construction on both blocks. The required lease variation on Block 10 is an estimated 10 per cent increase in the allowed gross floor area to accommodate the squash courts and

TACT administration offices.
Block 12 requires a number of variations: an adjustment to the maximum number of courts permitted, that parking will be serviced by Block 10 and the surrounding common parking provided by the Lyneham infrastructure project and deconcessionalisation to allow security over access rights for NGCA.

TACT, Tennis Australia and NGCA will form the lead for the project through a Project Control Group. TACT will appoint a project manager to consult with specialist architects in the design and construction of the tennis facilities. NGCA will appoint a project manager to coordinate a team of architects and builders for the design and construction of the leisure facility. Both project managers will consult on the interaction between the facilities and coordinate their design teams to ensure cohesive and effective design. Preliminary work has been undertaken on a master plan to ensure this approach is coordinated and as effective as possible.

Competitive construction tendering will be undertaken, again exploring economies through consolidation of the capital works program. The potential redevelopment of the AIS tennis facilities will also be a key consideration as it also presents an opportunity for economies of scale.

Construction is likely to be advanced on the tennis facilities as tennis courts are in high demand and these facilities will be able to function independently for a short time.

The construction and operating costs of the leisure facility will be NGCA?s responsibility and TACT will be accountable for the construction and operating costs of the tennis facility. The leisure facility will provide the necessary infrastructure to support the hosting of major tennis events, while the commercial arrangement for the sublease will ensure TACT and the community tennis facilities are sustainable in the long term.

The sublease arrangements with NGCA will require the deconcessionalisation of Block 10 and 12. It is hoped that the community will recognise the benefits of this deconcessionalisation in what Tennis ACT hope will be a relatively uncomplicated process given that there is no change of use, no modifications to the Territory Plan or any inconsistencies with the originally intended use of the concessional leases.

Sport is an essential part of the social fabric of local communities. Recent studies have shown that the social interaction provided by structured and unstructured community-based sport has a positive impact on social cohesion and mental wellbeing. Providing multi-sport opportunities at community venues also increases job creation and job pathways.

Tennis is a sport for life, with participants ranging in age from three to 93 years old. It has gender equity, as it is played equally by men and women and it provides many health benefits, including improving cardiovascular fitness and aerobic endurance.

Tennis is also a key economic driver in the community with the estimated economic benefit from events delivered through the redeveloped facility valued at a minimum of $2.3 million annually.

The significant capital works program will provide an estimated $20 million injection into the local building industry and create the equivalent of 100 full-time jobs ? at a time when the industry is slowing down.

The new business model will create an additional 60 FTE jobs at the centre, as the expanded operations will require an increase in local staffing.

It will also be an economic driver for the region, unrivalled, as the quality of the venue will surpass anything in the area. It will also be utilised as a training and competition venue for the NSW South Eastern region, as well as complimenting the facilities at the AIS to service national elite athlete programs.

The redevelopment has been aligned to the specifications recommended in the ?Tennis 2020, facility development and management framework for Australian tennis? and is part of Tennis Australia?s Regional Tennis Centre program.

Improvements to the infrastructure will allow for these services to expand beyond the region and there will be a focus on establishing international training camps to service Asia.

This international expansion will foster greater athlete development through foreign competition, while also providing a greater economic benefit to the region. The high-quality facilities and services provided by the NGCA leisure facility will complement this approach and provide for complete athlete development services. These packaged services will also be promoted to recreational players, expanding the market for these types of programs.

The NGCA facilities will provide a significant upgrade of the leisure facilities currently offered and provide for a more family friendly environment. The family oriented club will offer unrivalled facilities and services in the region, and will promote healthy leisure activities for the entire family. This high quality service business model will also attract additional economic benefit through the creation of additional jobs and attract interstate and international visitor spend.

The facility has significant community support for its redevelopment and over the past 12 years has had various proposals for its development, all of which have received strong community support. There is an increased focus on the delivery of community tennis services and programs with the redeveloped facility and it is expected that this approach will strengthen the existing community support.

The ACT Government announced significant funding towards the redevelopment of the facility in 2008, highlighting the need for the facility to be upgraded to a more modern standard and the Tennis ACT business model to be strengthened through such a redevelopment. As conceptual planning and business modelling has progressed, the ACT Government has supported TACT?s partnership with NGCA and has targeted funds towards the tennis-focused redevelopment of Block 12.

All major stakeholders have been consulted and have confirmed their support. These include: ACT Government, Sport and Recreation Services, Squash ACT, Tennis Australia, Tennis ACT and all of its affiliates, including community tennis clubs. Support has also been received from neighbouring businesses and residents, including Hockey ACT, residents of the neighbouring Sanctuary residential development, Yowani Golf Course and the ACT Netball Centre.

Broader public consultation will begin shortly as part of the established lease variation and development application process.

Source: http://www.tennis.com.au/act/news/2012/08/17/national-sports-club-redevelopment-concept-masterplan

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Thursday, August 16, 2012

A Review of Research on Teaching Online - csessums.com

I was recently handed an article from a recent Review of Educational Research (Spring 2006) that focused on teaching courses online. This article is a literature review covering online education, Internet courses, distance teaching and learning, and Web-based instruction. A total of 76 studies are cited with a fair mix of quantitative and qualitative research. I had a feeling I would be in for a bumpy ride when the authors immediately reported complications in their analysis due to inconsistencies in terminology (e.g., is an online course a World Wide Web course, or an Internet course, or a computer-based course, or a cyberspace course, etc.).

This review uncovers several contradictory findings about the best way to conduct teaching and learning online. The findings suggest that what works for one set of students, doesn?t work for another group with often little to no accounting for these inconsistencies. For example, one study showed how well asynchronous discussions ?mimicked the dynamics of real-time multivoiced discussions,? while another study observed that they provide a ?lack of fluidity and conversational language? (p. 96).

Another interesting finding suggested the importance of recognizing students? feelings, reactions, and responses in an online environment. At first after reading this observation I was struck by how odd it sounded. I have attended college courses off and on for over 10 years and I have trouble recalling students? feelings ever being openly considered in class by a professor. I have seen professors recognize and respond to students? reactions and responses, but never a student?s feelings. Is it because college classes are places where the focus is primarily on an objective reality as opposed to a subjective one? A place where students? feelings are considered inappropriate and therefore not an issue? I?m not quite sure what to make of this finding.

What I found lacking in the research are repeated studies. It seems a study is conducted once with n number of subjects in a specific content area, and out of this, claims are being made, best practices are being defined. Is a sample of 400 professors adequate and representative of the entire professorate population? In my mind, this does not serve the discipline of academic or sociological research well. Before claims of what works best are made, it would seem studies need to show reliable and valid results over repeated trials. Perhaps because online teaching and learning is a relatively new endeavor, there hasn?t been enough time to gather good data. In the meantime, professors need tenure, so they will publish their research regardless of its merit (Ouch! Did I say that?).

Also worth noting is the amount of time researchers spend comparing elements of online courses with face to face courses. Isn?t this like comparing apples to oranges? How much coding of dialogue takes place when researchers evaluate face-to-face courses? What does such an analysis reveal? If it?s depth or complexity or levels of engagement, doesn?t that have more to do with the course facilitator and the course design? Should we be studying which personality types make better instructors/facilitators? And what would such findings lead to? Firing all instructors who have inconsistent or inappropriate teaching personalities? Wow, what a concept! (Would that be a good thing or a bad thing?).

To no surprise, the article reports ?no comprehensive theory or model that informed studies of online instruction? (p. 115).? Most instructors or designers simply move text-based courses to the Internet following some form of pedagogy/androgogy and there are very few studies that examine this phenomenon. Perhaps it is wise to ask if there are any special guidelines needed? Is this another matter of personality wherein good instructors/facilitators follow basic pedagogical assumptions and then tweak them over time adjusting for the various assignments and levels of engagement? Would guidelines as such stifle creativity or provide support weaker instructors?

Without going into greater detail, the article provides a helpful stepping off point for exploring various aspects of teaching and learning online as well as differing aspects of online learning environments worth considering. Ultimately literature reviews of this type provide researchers opportunities to explore what?s happening in a particular field and often points the way to future research possibilities. As such, anybody studying distance education or online learning will probably find the bibliography and appendices quite helpful on a variety of levels.

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Reference:
Tallent-Runnels, M.K., et al. (2006). Teaching courses online: A review of research. Review of Educational Research. 76(1): 93-135.

Originally posted?June 05, 2006

Source: http://www.csessums.com/2012/08/14/a-review-of-research-on-teaching-online/

kevin kolb