Wednesday, October 31, 2012

Live Webinar: ?Asian Real Estate ? Christopher Dillon looks at ...

Japan, China and Hong Kong. All three are giants in East Asia and three hot topics where real estate is concerned.

No matter which country you?re in, if you walk into a pub with foreign people hanging about, no doubt you are able to start a heated debate comparing property in the three locales.

While no doubt everyone has their own opinion, there is one man who has the real estate expertise in these three regions to write books about them all.

?

On Wednesday, November 14th from 2:30pm, realestate.co.jp is proud to present Christopher Dillon, author of the Landed Series, to give us a frank and candid take on what is happening on the ground in these countries and what the future might hold.

If you?re seriously looking to invest in any of these countries or just looking to increase your smarts to sound great at the pub over beers, this is one webinar you will not want to miss!

Register below to receive updates and have Chris address your questions!

Tokyo Apartments For Sale | Tokyo Apartments For Rent | Real Estate Japan

Source: http://www.realestate.co.jp/2012/10/30/live-webinar-asian-real-estate-christopher-dillon-looks-at-opportunities-in-japan-hong-kong-and-china/

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Mac User Rolls His Own Fusion Drive And Details How You Can, Too

fusion-driveApple announced Fusion Drive along with its new Macs and iPads last week, and while it may have seemed like a hardware option only available from Apple itself, it's actually more about how OS X handles storage, startup and other software operations. Which means, as Mac developer Patrick Stein has proven, you can create your own Fusion drive at home with Terminal and existing hardware.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/zvZ737u8Zoc/

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French government gets anti-sexism lessons

FILE - In this May, 17, 2012 file photo, French President Francois Hollande, second right, and Prime Minister Jean-Luc Ayrault, center, pose with women of the cabinet after the first weekly cabinet meeting, at the Elysee Palace in Paris. Prime Minister Jean-Marc Ayrault has asked the French equality ministry to set up a series of 45 minute workshops, where politicians are given examples of sexism in daily life and with the aid of slide-shows taught how to avoid sexist stereotypes in political communication. First row from the left: Housing Minister Cecile Duflot, Women's Rights minister Najat Vallaud-Belkacem, Social Affairs Minister Marisol Touraine, Justice Minister Christiane Taubira, right. second row from the left: Deputy Justice Minister delphine Batho, Deputy Education Minister George Pau-Langevin, Sports Minister Valerie Fourneyron, Culture Minister Aurelie Filippeti, Family Affairs Dominique Bertinotti, State Labor Minister Marylise Lebranchu, Environment Minister Nicole Bricq. Top from the left: Minister for Small Business and the Digital Economy Fleur Pellerin, Deputy minister in charge of French citizen living abroad and French speaking countries Yamina Benguigui , second right, and Elderly People Minister Michele Delaunay. (AP Photo/Michel Euler, File)

FILE - In this May, 17, 2012 file photo, French President Francois Hollande, second right, and Prime Minister Jean-Luc Ayrault, center, pose with women of the cabinet after the first weekly cabinet meeting, at the Elysee Palace in Paris. Prime Minister Jean-Marc Ayrault has asked the French equality ministry to set up a series of 45 minute workshops, where politicians are given examples of sexism in daily life and with the aid of slide-shows taught how to avoid sexist stereotypes in political communication. First row from the left: Housing Minister Cecile Duflot, Women's Rights minister Najat Vallaud-Belkacem, Social Affairs Minister Marisol Touraine, Justice Minister Christiane Taubira, right. second row from the left: Deputy Justice Minister delphine Batho, Deputy Education Minister George Pau-Langevin, Sports Minister Valerie Fourneyron, Culture Minister Aurelie Filippeti, Family Affairs Dominique Bertinotti, State Labor Minister Marylise Lebranchu, Environment Minister Nicole Bricq. Top from the left: Minister for Small Business and the Digital Economy Fleur Pellerin, Deputy minister in charge of French citizen living abroad and French speaking countries Yamina Benguigui , second right, and Elderly People Minister Michele Delaunay. (AP Photo/Michel Euler, File)

FILE - In this May 17, 2012 file photo newly named Housing Minister Cecile Duflot, wearing denim trousers, arrives for the first weekly cabinet meeting with new President Francois Hollande, at the Elysee Palace in Paris. France?s prime minister has organized for all his ministers to be given anti-sexism lessons _ following one minister?s comments by that women couldn?t get their head round technical work. Earlier this year, Duflot was hooted at by her male colleagues when she took to the podium at the French parliament for wearing a floral dress back in July. (AP Photo / Thibault Camus, File)

(AP) ? First there was Dominique Strauss-Kahn, who allegedly referred to women as "material," then catcalls in the French Parliament just because a female government minister wore a floral dress.

But when this month the French agriculture minister ? in an interview about promoting gender equality ? suggested that women couldn't get their heads around technical jobs, that was too much.

The prime minister of France ? a country which produced feminist icons such as Joan of Arc and Simone de Beauvoir ? has decided that his ministers need to go back to school for anti-sexism classes.

On Jean-Marc Ayrault's orders, the Equality Ministry has set up a series of 45-minute gender equality "sensitization sessions," during which ministers are being trained to identify sexism in daily life and taught how to avoid sexist stereotypes in political communication.

Organizers told The Associated Press that it's a full class, with all 38 ministers signed up or in the process of registering. In the interest of gender equality, the female ministers are going, too.

The goal, said organizer Caroline de Haas, is that ministers take time to think about sexism. "If you're not vigilant, de facto inequalities are created," she said.

De Haas said 80 percent of politicians interviewed on French TV and radio broadcasts are men. She said she wants to fight against the "illusion" that France "has almost achieved equality" between men and women. France is now trailing in an unimpressive 48th place on the Global Gender Gap equality list.

Earlier this month, in an interview with L'Express magazine, French Agriculture Minister Stephane Le Foll sparked controversy by saying: "I've tried to promote women as much as possible, even though some of our dossiers are very technical."

Though Le Foll said his words were taken out of context ? given that the interview was on the subject of gender equality ? they nevertheless caused outrage and went viral on Twitter.

As far as the public is concerned, sounds like some ministers need instruction.

"I'm not proud, but it's good (the lessons are) happening," said Nicolette Kost, 33, in central Paris. "After all, at such a high level in French government non-sexist attitudes should just come naturally."

The lessons are "positive... since France is so far behind other European countries," said Edwige Bernard, 57.

Some ministers have already taken the training, which includes a slide show, such as Labor Minister Michel Sapin and Justice Minister Christiane Taubira. Taubira's office declined to comment about the minister's training.

It includes statistics about gender inequality in France, and points out how gender stereotypes are inscribed in French children from an early age.

One example de Haas noted: In stores, clothes for 18-month-old children are marked "pretty" and "cute" for girls, but "brave" and "cunning" for boys.

The anti-sexism training initiative comes rather unsurprisingly from Sweden, a country that tops the Global Gender Gap report list on male-female equality. In Sweden, toys are often unisex, and one Swedish kindergarten ? in order to discourage gender stereotypes ? has even forbidden or discouraged children to use the words "he" or "she."

France sees itself as the cradle of human rights and is progressive on some fronts, but has lagged behind on gender equality.

Under Prime Minister Alain Juppe in 1995, no one blinked an eye when French media named his 12 female ministers patronizingly the "Jupettes."

In July, French Housing Minister Cecile Duflot was the victim of hooting and catcalls in France's National Assembly, all for wearing a blue and white flowered dress.

The whistles did not cease for the entire time she spoke. The heckling didn't come from an unruly crowd, but from male legislators who later said they were merely showing their appreciation on a warm summer's day.

Former IMF chief Strauss-Kahn reinforced the stereotype and tarnished the image of French male politicians after he admitted conducting orgies and reportedly referred to women as "material" when planning for them.

French President Francois Hollande ? whose partner is one of the only working French first ladies in recent times ? has made equal gender representation in government a key part of his election manifesto. Half of his Cabinet members are women. And this summer the Socialist-led Parliament pushed through legislation that made anti-harassment laws in France more robust.

The lessons are "a good PR stunt by the Socialists," said Victoire Monnoyer, a 20-year-old student in Paris. "To know if it works, we'll just have to wait and see."

____

Thomas Adamson can be followed at http:/ /Twitter.com/ThomasAdamsonAP

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2012-10-30-France-Anti-Sexism%20Lessons/id-e22a5aee5ffd44c48156bcded47b7fe5

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Tuesday, October 30, 2012

The Family Room | House to Your Home

We are settling back into life since the birth of Cooper (2 weeks today) and it?s actually going quite smoothly (knock on wood). ?I?ll be sharing with you some things that are happening with my business this week too. ?I?m learning that having your own business means changing directions and trying new things and although the process is slow I?m lucky to say that each time I try something new I learn a lot and get a step closer to the ultimate goal of owning my own shop.

For today though, I thought I?d share our family room with you. ?It was one of the first rooms in our house we started working on when we moved into the house because it looked like this?

Actually it looked worse then this, there were no walls or ceilings it was your typical unfinished basement. ?When we completed the basement we ended up with an office, a family room, a storage room, bathroom and guest bedroom (aka Ya Ya ? grandma?s room).

The family room is in no way finished but I guess no room ever is but I thought I?d show you where I?m at with this room at the moment. ?I?ve promised myself I?m going to start showing you all my rooms while I?m in the process and not just the after so you can see that decorating takes me time, sometimes a long time to get right.

The couch is from ZGallerie and is one of those couches that begs to be laid on. ?Let?s just say many football games have been watched on this couch. ?I don?t think I sat on this couch in 5 months because I was unable to get out of it while I was pregnant, it?s that deep and comfy.

Here is a list of where I purchased other items in the room.

Coffee table ? Crate and Barrel

Rug ? Home Goods

Pillows ? Target, Pottery Barn

Curtains and Black Floating Shelves ? Ikea

Chair ? Silver in the City with a throw from a small store in Savannah, GA thrown over it.

Paintings ? Midland Antiques

The television console was one of my furniture makeovers from a goodwill find, if you like you can read about it here.

Brown chair and ottoman is actually a rocker we?d bought from Baby?s R Us when I was pregnant with the twins.

Blue Vases ? ZGallerie

Plates ? Home Good

Cement Mushroom ? Silver in the City

Floor Lamp ? Ikea

The long bench against the wall is from Urban Outfitters.

The pillows on the bench are from Target, Pottery Barn and ZGallerie,.

The red lamp is repurposed from Goodwill.

The round mirror is from Crate and Barrel.

The cube side table is from Silver in the City.

The black round table is from World Market.

The brass lamp is a thrift store find as well as most of the accessories.

The small lamp on the television console came from Target.

The magazine basket next to the console is from Crate and Barrel.

The flooring is vinyl but actually looks very much like wood, they are long strips of vinyl and are put down staggered.

I?d like to add some plants down here along with trim on the curtains and some more artwork on the walls. ?If we ever get some good light I?ll show you the other side of the basement where my husband?s game table and our repurposed bar is!

If you have any questions about the room please do not hesitate to ask!

Source: http://housetoyourhome.com/2012/10/29/the-family-room-2/?utm_source=rss&utm_medium=rss&utm_campaign=the-family-room-2

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Verizon officially announces Nokia Lumia 822, coming this Fall

Verizon officially announces Nokia Lumia 822, coming this Fall

Ahead of the big Windows Phone soiree later today, Nokia has now confirmed that Verizon will be getting the Lumia 822, which will its 4G portfolio in the coming months. While the fact that a Big Red version of Nokia's second Windows Phone 8 device wasn't the best-kept secret, Nokia's proud press release (after the break) finally confirms it -- although it neglects to mention any prices or dates. The phone will arrive in black, white and grey options -- all LTE-ready, with those interchangeable covers also incoming. That slightly modest 4.3-inch screen WVGA screen will also try to make the most of those colorful tiles -- and we'll likely get play with one very soon.

Continue reading Verizon officially announces Nokia Lumia 822, coming this Fall

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Verizon officially announces Nokia Lumia 822, coming this Fall originally appeared on Engadget on Mon, 29 Oct 2012 08:17:00 EDT. Please see our terms for use of feeds.

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Source: http://www.engadget.com/2012/10/29/verizon-officially-announces-nokia-lumia-822/

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HBT: Sandoval powers way to World Series MVP

Pablo Sandoval had a diminished role during the Giants? World Series run in the 2010, but he was a key contributor this time around.

A no-brainer choice after the Giants finished off a four-game sweep of the Tigers tonight, Sandoval was named the World Series MVP.

Sandoval went 8-for-16 (.500) during the series, including his three-homer performance in Game 1. Babe Ruth, Reggie Jackson and Albert Pujols are the only other players to hit three home runs in a World Series game. Kung-Fu Panda was excellent throughout the postseason, batting .364 (24-for-66) with five doubles, six home runs, 13 RBI and a 1.098 OPS. He fell one shy of tying the all-time record for hits in a single postseason.

Source: http://hardballtalk.nbcsports.com/2012/10/29/pablo-sandoval-named-world-series-mvp/related/

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Monday, October 29, 2012

No Recent Sales = Green Light to Price Aggressively?

(Mis)Reading the Signs

Pricing real estate is fundamentally precedent-driven.

In other words, if you want to establish an estimated fair market value for ?Property H,? you first need to determine what Properties E, F, and G sold for.

In Realtor (and Appraiser) lingo, E, F, and G are called?Comp?s (?Comparable?Sold Properties?), and the compare-and-contrast process that?Realtors (and Appraisers) go through to come up with a price range is called ?making adjustments.???

See, ?Why the Neighbor?s Home Isn?t a Comp?; ?Real Estate Bracketing ? Advanced Beginner Version.?

Stale Comp?s ? or None

But what if there aren?t any good Comp?s, because the property you?re trying to value (?subject property?) is unique, or in an area where there have been few (or no) recent sales (note:? Comp?s have a shelf life of six months, max).

Is that positive or negative for current prices?

It?s certainly tempting to conclude ? as many homeowners would like to ? that few or no recent sales is bullish for values.

After all, if there?s no supply, and lots of demand, prices go up, right?

Unfortunately, every rule has its exceptions.

Still-Thawing Market, or, Sellers Who Can Afford to Wait

So, in some upper bracket Twin Cities neighborhoods, there have been few (or no) recent sales because:? a) Sellers don?t like (still-depressed) prevailing prices; and b) they?re financially secure enough to wait things out.

When that?s the case, pricing a home aggressively (high) is? . . . a big mistake.

That?s especially true when the home in question needs significant updating, given the discount Buyers are now demanding for that these days. ?

What?s likely to happen?next?

Unfortunately for the would-be Seller, not much.

The market ? i.e., prospective Buyers ? is likely to perceive the home as overpriced, which means it will rack up lots of (harmful) market time with minimal interest.

Source: http://rosskaplan.com/2012/10/no-recent-sales-green-light-to-price-aggressively/

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American Airlines suspends operations due to Hurricane Sandy

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Sunday, October 28, 2012

Why Latinos support Obama's health care plan | Chican?sima: Latino ...

Why Latinos support Obama's health care plan

Nearly one in three Latinos in the United States does not have health insurance.

Latinos must certainly consider this fact as they examine the health care policies of the two presidential candidates.

There has been considerable criticism about President Obama's Affordable Care Act. But it will ensure that millions more people have access to health insurance. It also eliminates lifetime caps, limits on pre-existing conditions and allows parents to keep their children on their insurance plan to the age of 26.

Romney once backed a similar plan for the state of Massachusetts. But he says we can't afford it for the country and has vowed to overturn it if elected on his first day in office.

Romney also recently said that Americans don't die from a lack of health insurance. This claim is widely refuted by the 26,000 people without insurance who die prematurely because they don't seek treatment, according to a study by Families USA.

A poll by Latino Decisions found 57 percent of Hispanics agreed the Affordable Care Act should be left standing.

Health care is important to the Latino community. Here are a few reasons why according to the U.S. Department of Health and Human Services:

Mexican-Americans are almost twice as likely as non-Hispanic whites to be diagnosed with diabetes and they are 50 percent more likely to die from diabetes.

Hispanic men are three times as likely to have AIDS compared to white men.

Hispanic women are 20 percent more likely to have a stroke than non-Hispanic white women.

The Latino Decisions poll also found that 60 percent of Latinos agree it is the role of the government to ensure that everyone has access to health care.

So on this issue it is more likely that Latinos will vote for President Obama.

Our health may depend on it.

Source: http://www.chicagonow.com/chicanisima-latino-politics-news-and-culture/2012/10/why-latinos-support-obamas-health-care-plan/

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Private student loan problems mirror those of mortgages | North ...

By Charlene Crowell

An old adage advises ?that the more things change, the more they stay the same?.? When it comes to consumer debt, that advice is also a truism. After years of mortgage borrowers complaining about servicing ? or the lack thereof ? it appears that problems student loan borrowers face are remarkably similar.

With student loan debt topping the trillion-dollar mark, another looming credit crisis could emerge just as the housing market is showing signs of recovery. According to the Survey of Consumer Finance, today one in four American households are headed by someone under the age of 35 with student loan debt. Private student loans account for more than $150 billion of outstanding debt. Moreover, more than 850,000 of these loans are in default and even more are delinquent.

Like the many troubled homeowners who did not understand the terms of their mortgages, student loan borrowers are now having the same difficulty. Servicers, often hired by lenders, often do not share or know the terms of repayment, available options for refinance, or even the total amount owed.

Recently, the Consumer Financial Protection Bureau released a report on the nearly 2,900 private student loan complaints it received since March of this year. Some 65 percent of complaints alleged problems with servicers regarding fees, billing, fraud and credit reporting. Another 30 percent of borrowers filing complaints with CFPB were concerned with limited repayment options, debt collection practices and problems related to loans in default.

?Student loan borrower stories of detours and dead-ends with their servicers bear an uncanny resemblance to problematic practices uncovered in the mortgage servicing business,? said Rohit Chopra, CFPB?s Student Loan Ombudsman.

The vast majority of the student loan complaints received by CFPB were about private loans.

Unfortunately, private loans typically do not have the consumer protections built into federal student loans, such as lower interest and fixed rates, income-based repayment plans, military deferments or discharges upon death.

Instead, the typical private student loan servicer actually works for the lender and may not have an incentive to provide a high level of customer service to borrowers. In the face of financial hardship, unemployment or underemployment, these student loan borrowers often discover few or no options that can be adapted for their circumstances.? In some cases, servicers encouraged borrowers to pay whatever they could ? but failed to inform them their loan status would still be on a path towards default.

With fewer options for refinance or forbearance, some private student loan borrowers are also claiming they were never advised of the difference between a federal and private loan either at the time the loan was first originated or later during repayment.? If the original loan was sold or if the servicer changed, many servicers were unable to answer basic questions as to who actually owns the unpaid loan. Depending upon loan terms, it may not be possible to negotiate alternative repayment.

Other complaints filed with CFPB expressed concerns with servicer errors or misinformation. For example, some servicers may take two to four days to process payments ? even if the payment was submitted online. As a result, borrowers end up paying interest on a higher outstanding principal in the process. Others complained about faulty record-keeping, lost paperwork and errors that though promised to be quickly corrected were not. Still more complaints charged that even after getting transferred to multiple departments, no one was responsive or empowered to provide a clear answer.

If there is a moral to these unfortunate consumer experiences, it could be summed up with CFPB?s slogan, ?Know Before You Owe?.? Before any debt is incurred, take the time and necessary persistence to fully learn obligations and responsibilities.? Any business or its representative that is unwilling or reluctant to explain their products are probably not a good choice for the consumer.

For consumers now considering a private student loan, invest some time to identify and pursue other forms of financial aid such as grants, scholarships, federal student loans, or work-study programs.? Need-based grants often offered by state and federal initiatives can help defray college costs without incurring debt.? Other programs are available to promote the growth of minorities in specific career paths.

?Know Before You Owe? is good advice. Knowing more about financing a college education is even better.

Charlene Crowell is a communications manager with the Center for Responsible Lending. She can be reached at: Charlene.crowell@responsiblelending.org. ???

Source: http://northdallasgazette.com/2012/10/27/private-student-loan-problems-mirror-those-of-mortgages/

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RolePlayGateway?

I'm searching for dedicated,friendly, patient, and if can, experienced people to join in my Gods of Elements: To Save Daughtris: Chapter 2. The RP isn't up yet. I'm just checking if anyone are interested.

http://www.roleplaygateway.com/roleplay/god-of-elements-to-save-daughtris/

I am the GM and I am the Dungeon Master. I expect many battles and drama. I will conjure monsters along the journey and role play as them. I shall role play as every NPC so that nobody knows what is going to happen in the future, thus maintaining the suspense of not knowing what is going to happen.

This is not a literacy role play. You don?t need to type long and lots of paragraph. Imagine yourself as the characters and write on how you?d react and wait for someone else to post. If a character interacted or asked you something, respond to it. Just write what your character would do and say. Role Play as your character.

When your character enters a new area, I shall write what your character will see because the stage is already set. You can add a little here and there but not too much.

In a battle between two people or more, of course a lot of times, nobody wants to be injured, so I shall throw a dice to determine the damage and post about what happens to everything. Don't worry, I'll be online frequently.

In battle, there is a system:

Each character can only make 2 actions in 1 turn which are:

- Attack

- Others: heal, cure, buff, change equipment, use item...

- defend/dodge,

- Charge,

Attack is to deal damage. If you attack someone, I shall roll a pair of six sided dices and determine the strength and effectiveness of your attack. For example if I roll a 12, then it?s 12 points damage, which is a critical damage

You can be creative with your character style of attack but you need to write the effect of your attack.

Example on how to write your character attacks someone:

A ran around B a quick as the speed of sound to disorient him. Suddenly, A jumped to the sky and kicked the air to propel her down, lunging at B with her spear, attempting to pierce through his helmet and skull which would kill or poison him.

Or

A quickly moved backwards, attempting to get away from B while shooting at him with her machine guns in both hands. A was aiming for B?s heart, an attack which would kill him instantly if hit directly, if it doesn?t, he will bleed and blood shall be pouring out nonstop.

Noticed I wrote status effect there?

You can only attack one person at a time.

Attack that poison, blind, curse, etcetera, shall be considered a negative status effect attack. To succeed a negative status effect attack, the damage points of an attack needs to be 6 or higher.

Negative status effects shall render the victim?s points to be decreased. Cure shall return the decreased points to normal. Cure and heal don't need dice rolls. They just succeed automatically. Buff actions shall increase the character?s points. Breaking someone?s buff or enchantment shall need to have 6 or more damage points to succeed.

Defend is to weaken a person's attack. Example:

When someone attacks you, I shall role a pair of dice. For instance the dices roll 12. If you don?t defend, the attack shall hit you a direct critical damage. If you decide to use one of your action on defend, I shall roll the pair of dice. For instance the dice roll for defend is 6, then its 12 - 6.

12 for the attack and 6 for defend, equaling it to 6 damage points. From what?s supposed to be a critical damage, it becomes an intermediate damage but negative status effect succeeded because the points are not less than 6. If it was less than 6, the negative status effect would fail.

But if the defend points is bigger than the attack points, there shall be no damage at all.

Example of Defending or Dodging:

B?s eyes were quick, he jumps back to dodge her attack. (From here you can continue on to your other action for example attacking). B quickly trusted his spear ahead to stab A when she lands, which would injure her.

What happens then, I shall write. The examples I am going to write are:

B didn?t leap quickly enough. A?s spear dug through his helmet, skull, and into his brain. B fell down on the ground with A?s spear still sticking in his head. B had died.

Or

A?s attack missed and struck her spear on the ground while B?s spear stab through her heart. A died instantly.

You can die without warning. Isn't that fun?

Charge is an action of sacrificing your turn to add + 12 points to the next turn but if anyone attacks you and gets a 6 or above, the charge shall be cancelled.

An attack or charge will be the end of a turn. You cannot charge then attack in 1 turn. You cannot attack then heal in one turn. You cannot attack and cast barriers to add to your defense in one turn. Remember, you only have 2 actions to do.

You can do other actions before attacking or charging.

There will be no time skips or time jumps because on episode 1 of Gods of Elements, there were some time skips that made the story disoriented. If you wish to time skip, please inform me and I shall work something out.

It seems that people prefer to have teleportation and summoning abilities so I?ll allow it but there is going to be a rule for it.

The rules for teleportation and summoning:

Summoning and teleporting is considered controlling the time and space. To control that, you need to manipulate and combine all the elements into one. So in order to use that ability, a lot of energy or a rare item is required.

You can only have your character teleported back to where he had placed a sigil. To place a sigil, someone will have to travel to that place first. You can summon things and people to your side but in a battle, you need to have a success charge to be able to use that ability.

Source: http://feeds.feedburner.com/RolePlayGateway

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Saturday, October 27, 2012

Is Halloween going to the dogs (and cats)? Pet costumes flying off ...

There are plenty of questions I have as a new dog owner: Which pet food should I be buying? Can I bell train my dog for potty breaks? What is the most effective way to minimize barking? And perhaps the most time sensitive: Should my dog have a costume for Halloween?

Pet costumes have seen a steady increase in popularity in Ann Arbor and around the U.S. News sources ask patrons to send in pictures of their cutely costumed companion, pet stores offer costume contests, and people who see their pets as part of the family want their four-legged children to share in the fun of Halloween.

In reality, I know my 9-pound spirited-yet-timid Miniature Pinscher Roo will likely be barking from the back room for much of Halloween night, no costume needed. But while shopping, there are a few that do catch my eye. Who doesn?t smile at a hot dog?

unnamed.jpg

image via google shop

Both my dog and my 4-year-old son are fascinated by sharks -- chasing stuffed ones and reading about vicious ones, respectively. If my son is a shark for Halloween, wouldn't it be amusing if boy?s best friend was the same?

shark.jpg

image via ebay

And what?s not to love about a Scottish Carrier?

Or imagine the political comments she?d be making as Mutt Romney or Bark Obama.

Halloween costumes have become big business for retailers, and predictions are showing an increase in pet costume spending this year. According to the National Retail Federation, consumers will spend an estimated $370 million on Halloween pet purchases. That is up by $40 million from last year.

?Americans in general don?t want to skimp on their pets ? if the family is dressing up for the evening, they want to make sure all family members get in on the fun,? according to spokesperson for the federation, Kathy Grannis. Consumer anthropologist Robbie Blinkoff explains another reason for the trend. "People are dying to get dressed up themselves, but many lack the confidence. We dress up our pets, who are a symbolic extension of ourselves."

Pet costumes range in price from about $7 to $25 according to a report by the Wall Street Journal. The report goes on to say that the most popular pet costume in the Midwest is a frog.

Ann Arbor dog trainer and Petco employee Kelly Ralko says she would not agree. ?We do not even sell a frog costume. I think the hot dog is the most popular.?

The San Diego-based retailer offers a wide selection of pet costumes, and the local Petco is sponsoring a costume contest on October 27 at 2 p.m. Ralko will be judging and hopes to see some creative and even some handmade costumes this weekend. ?People have been hush-hush about their plans. They want it to be a surprise and can?t wait to show off their pet.?

But there are people who frown upon the practice of pet costuming. It's easy to scoff at the exorbitant spending, or criticize pet owners for not thinking about the stress or hazards involved with some costumes. Both the American Society for the Prevention of Cruelty to Animals and People for the Ethical Treatment of Animals warn that ill-fitting costumes as well as those that constrict movement or have small chewable parts can be a danger. But if pet safety and comfort remain at the forefront of the costume decision, risks are minimal.

So will you be costuming your dog this Halloween?

Source: http://www.annarbor.com/business-review/are-halloween-costumes-going-to-the-dogs-and-cats-pet-costume-sales-climb-this-holiday-season/

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Video: Barrage of campaign ads hit Ohio

Family faces breast cancer together

??A family of two generations have had their lives forever changed by breast cancer, with the family enduring three diagnoses and one death. Survivor Carla Ragston said she wants her young nieces and nephews to think of cancer and look at us and say, "They made it through."

Source: http://www.msnbc.msn.com/id/3036697/vp/49574265#49574265

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In veteran-heavy states, military issues magnified

NORFOLK, Va. (AP) ? The far-flung swing states that have the most sway in the presidential election have something else in common ? a large share of military veterans who are getting special attention from the fiercely dueling campaigns.

In a White House campaign this hard-fought, no interest group can be ignored. But veterans are an especially prized group since so many live in battlegrounds including Colorado, Florida, New Hampshire, Nevada, North Carolina and Virginia.

Backing those who have served the country also sends a feel-good patriotic message to the electorate at large. And although veterans traditionally lean Republican, both candidates see an opening to win over veterans this year.

The next president will face U.S. troops returning from Afghanistan and a continuing budget crisis with veterans benefits under scrutiny.

Navy veteran Rob Meurer fears for his own livelihood at a northern Virginia aerospace manufacturer if military spending cuts are enacted during a second administration for President Barack Obama. Defense cuts "could devastate our military and our business," Meurer said.

At the other end of the state, Hampton Roads area Air Force veteran Lawrence Ewing fears the quality of his health care will suffer should the government privatize benefits under Republican Mitt Romney.

"We simply cannot afford cuts to the VA," Ewing said.

The candidates are reaching out to veterans in all nine of the most competitive states as part of a system of targeting voters by specific backgrounds and lifestyle. Veterans account for about 17 percent of registered voters nationally, but more than that in most of the battleground states. It's a predominantly male voting bloc, one with a high propensity to register and turn out, which could help Romney offset Obama's edge among female voters.

Florida has the most with 1.6 million veterans ? one-fifth of the state's registered voters ? as well as nearly 30 military bases or installations. Among the battleground states, Nevada, New Hampshire, Colorado and North Carolina also run higher than average, and have varying combinations of bases, military academies and veterans' centers.

But nowhere is fight over the military vote more apparent than in Virginia, the home of 822,000 veterans. Many live in the shadow of Norfolk Naval Station, the world's largest naval base. The sprawling complex has a population the size of Orlando, Fla., and is the economic magnet of Tidewater region.

Reminders of the military's dominance are everywhere in the Norfolk area. Fighter jets roar overhead of rows of imposing warships docked in Hampton Roads Harbor.

It is also home to the Norfolk Naval Shipyard, in nearby Portsmouth, the Navy's largest industrial installation. And Virginia has production facilities for a long list of military contractors such as General Dynamics, Lockheed Martin and Northrop Grumman, who together employ hundreds of thousands in the state.

Romney promotes a military buildup and links Obama with a deficit-reduction plan supported by Republicans and Democrats alike in Congress that would cut military spending and cost potentially thousands of defense industry jobs. Romney's running mate, Rep. Paul Ryan, also voted for the cuts as laid out in the "sequestration" that lawmakers passed during the summer 2011 budget deal.

Romney says GOP lawmakers made a mistake in supporting the plan. Obama too has vowed that the automatic cuts will not take place.

"Nothing is more important than keeping America strong, and you hear it in Romney," said Bob Anderson, a retired Navy veteran from Milburn in northern Virginia.

Romney and Obama are running neck and neck in Virginia, a state Obama carried in 2008 and which Romney needs to reach the electoral threshold.

"Unlike cutting the military as this president would do by a trillion dollars, I will instead maintain our military strength because that is because America's military must be second to none and so strong that no one would ever test us," Romney said last week at a rally in Leesburg, Va.

Romney also accuses Obama of doing too little to expedite the backlog of claims for disability, pension and educational benefits at the Department of Veterans Affairs. That criticism echoes through a Virginia Beach Republican phone bank, where veterans and their spouses volunteer.

"Veterans always found more for us. We need to find more for them," said Elizabeth Blackley, a veteran wife and Virginia Beach volunteer.

Overall, veterans' issues don't even crack the top 10 in national polls of campaign priorities, where the federal budget deficit, health care, terrorism and illegal immigration run far behind jobs.

The veteran vote has hardly been a bellwether in recent elections.

In 2008, Republican nominee John McCain, a Vietnam War veteran and former prisoner of war, beat Obama, who has no military experience, by 10 percentage points among voters who said they had served in the military, according to exit polls. Republican President George W. Bush in 2004 won 57 percent of voters who said they had served, compared to 41 percent for Democrat John Kerry, a decorated Vietnam War veteran. Bush had served in the Texas Air National Guard.

Romney, who has no military service, led Obama among active duty military and veterans, 59 to 37, in a national Gallup poll taken this month.

Although trailing with veterans overall, Obama leads among younger and minority veterans.

The president points to winding down wars in Iraq and Afghanistan, increasing the budget for the VA and enacting programs aimed at providing veterans with education, employment and housing.

"When our troops come home and take off their uniform, we will serve them as well as they've served us -- because if you fought for this country, you shouldn't have to fight for a job or a roof over your heard when you come home," Obama said last month in Miami.

Obama's outreach in specific niches of veterans that reflect his overall appeal are seen as keys to keeping Romney at bay in Colorado, Florida and Nevada.

"The veterans' community is not monolithic," Obama's veteran outreach coordinator Rob Diamond said.

Obama's team has in turn criticized Romney for suggesting last year he was open to allowing a private-insurance voucher system for veterans' health care.

That suggestion so troubled Vietnam veteran Ed Meagher of Great Falls, Va., that he began volunteering for the Obama campaign. The retired VA administrator now leads Obama's campaign outreach for veterans in northern Virginia.

"I tell fellow vets, if you're willing to say vets should be willing to take cuts like everyone else, I just have a big problem with that," said Meagher. "That's a violation, and it's dishonorable."

Source: http://news.yahoo.com/veteran-heavy-states-military-issues-magnified-195506607--election.html

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PFT: NFL players says Tebow, Sanchez 'most overrated'

Caan-Rollerball

The online vault at SI.com contains all sorts of treasures that no one has the time to search for.? Fortunately, one of our readers had both the time and inclination to find an article that I vividly recall reading at at time when I was younger than my kid is now.

In 1979, Sports Illustrated pondered the future of pro football.? Here are some of the quotes, each of which were followed by comments from Frank Deford that best can be described as pre-Internet snark.

?In the year 2000, there won?t be any contact below the waist.? ?Bum Phillips, Head Coach, Houston Oilers.? (Said DeFord in response, ?Yeah, O.K.?)

A dozen years after 2000, Bum?s vision has yet to come to fruition.? But it?s moving in that direction.? And it could take another big step there in the offseason, after the 2011 hit by Bills receiver Stevie Johnson on Chiefs safety Eric Berry and the hit from earlier this month by Jets guard Matt Slauson on Texans linebacker Brian Cushing.

?Players will look a lot different: lighter equipment, more formfitting shoulder pads, a different type of helmet, soft rib pads.? ?Dan Rooney, President, Pittsburgh Steelers.

Of course, we won?t notice any of those differences this weekend when the Steelers play; we?ll be too distracted by the prison bumblebee throwback uniforms.

?There?ll be a little metal fleck in the football, so you can tell for sure whether the guy with the ball got over the goal line or was pushed back.? ?Tex Schramm, General Manager, Dallas Cowboys.

Schramm was a sage.? And that?s one change the NFL needs to embrace.

?Everything will become more specialized. On defense, you?ll get pass rushers and run defenders, first-down and third-down defensive ends. You?ll see relief quarterbacks.? ?Tom Flores, Head Coach, Oakland Raiders.

Relief quarterbacks have yet to take root, but for the 2007 season, when the Cardinals would bring out Kurt Warner whenever they fell behind. And then they?d putt Matt Leinart back in when Warner pulled things even.

?It?s a very tough, very hard game, and I think more and more it?s going to be played by the so-called underprivileged. It?s too tough, too physical a game for a society that?s become so affluent. Kids can get the same great cardiovascular exercise from soccer.? ?Marv Levy.

That?s the argument that has been raised in the wake of the new sensitivity to concussions.? Football could become a way out for the have-nots, and the best of the best eventually will entertain the haves and the have-mores.

The article, after the parade of quotes, focuses on Byron Donzis, a then-47-year-old inventor who had developed a flak jacket and who had all sorts of other ideas (some crazy, some sane) about the future of pro football, from an equipment standpoint. But Deford eventually focuses on broader assessments of the game.

?The feeling is that rosters will grow, but the schedule will not (you believe that?), and that the NFL won?t expand abroad because the foreigners wouldn?t be sufficiently interested in an American game played by Americans,? Deford wrote. ?No, even in 2000 the referees won?t use TV replays to assist them in making their calls.?

It?s an intriguing article. And it makes us wonder how different the NFL will be in another 33 years. Feel free to drop some ideas below.

Source: http://profootballtalk.nbcsports.com/2012/10/25/nfl-players-vote-tim-tebow-most-overrated/related

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Friday, October 26, 2012

?First Time:? The Democrats? ?lady parts? jump the shark (Michellemalkin)

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

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/258497342?client_source=feed&format=rss

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HBO Delays Launch Of Its First Standalone Streaming Service, Leaving Netflix Alone In The Nordics

hboThose of us who were looking forward to seeing Netflix and HBO go head-to-head will have to wait just a little bit longer. That?s because HBO has delayed the launch of its HBO Nordic subscription streaming service in Finland, Norway, Sweden, and Denmark, according to Reuters.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/AEkir9PvIHs/

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Re: How To Use Source, Citations and FTM For Scotlandspeople ...

I would do as you planned and do them by district, the source, that is. Then I would have a large number of citations, one for each person.

I don't have many for England but if I had I would, for example, have a source for Wayland, another for Romford, etc, separating Births, Marriages and Deaths. I've got the repository as the GRO.

Rosemary

Source: http://boards.ancestry.co.uk/topics.software.famtreemaker/9101.1/mb.ashx

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The Swanky Offices of Mojang, Creators of Minecraft

The Swanky Offices of Mojang, Creators of MinecraftIt's nice to see a communal workspace that's actually comfortable and stylish. The offices of video game company Mojang are nominated for the Sweden's Most Beautiful Office Award, and it's not hard to see why. From the rich leather seating to the great lighting, the office has a great vibe.

It looks like it couuld be someone's home (someone very, very rich, that is). Heck, even the bathroom is beautiful.

It's hard to see in the picture, but it looks like the workstations are in the back, set up as long tables.

For break time, there are legos to play with and a TV room with a gigantic screen:
The Swanky Offices of Mojang, Creators of Minecraft

Even if this style is too rich or old school for you, you've got to admit this looks like a great place to work. Check out the photo tour on Office Snapshots for more inspiring pictures.

If you have a workspace of your own to show off, throw the pictures on your Flickr account and add it to the Lifehacker Workspace Show and Tell Pool. Include some details about your setup and why it works for you, and you just might see it featured on the front page of Lifehacker.

Tour the Offices of Mojang, the Creators of Minecraft | Office Snapshots

Source: http://feeds.gawker.com/~r/lifehacker/full/~3/4N5XPmnIyo8/the-swanky-offices-of-mojang-creators-of-minecraft

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Thursday, October 25, 2012

Face the Facts: Family Caregivers Work ? AARP

Posted on 10/24/2012 by Sally Abrahms | Caregiving | Comments

Caregiving | Home & Family | Work Print An Office Worker Dresses the Part

Here we go again. More black-and-white confirmation that elder responsibilities often negatively impact both employees and companies. A new fact sheet out from the AARP Public Policy Institute, in chilling percentages, shows the enormity of the issue and the need to implement or enhance workplace programs.

Let me lay it out. Here are the statistics I found particularly revealing:

  • 61 percent of family caregivers age 50-plus work either full-time (50 percent) or part-time (11 percent).
  • 42 percent?of U.S. employees have cared for an older relative or friend in the last five years.
  • 45- to 64-year-olds make up the biggest age group in the workplace to care for a parent (22 percent).
  • 19 percent?of retirees stopped working because of elder care.
  • 68 percent?have had to make work accommodations (taking time off, coming in late, leaving early, refusing a promotion, reducing work hours, changing jobs, quitting altogether).
  • Female caregivers age 50-plus who stop working to care for a parent lose an average $324,044 in wages and benefits over the course of their lives versus $283,716 for men. Even reducing hours can affect their career and future financial security.
  • Low-income employees, minorities and women are most likely to have to make work changes because of elder care.

Now, getting down to business. It?s expensive for employers to ignore the needs of caregivers and not do everything to make it easier for them.

Altruism aside, elder care programs (on-site support groups, discount backup home care, referrals to community caregiving resources) boost productivity, employee retention and health while reducing stress. (Read the Society for Human Resource Management?s suggestions.)

So do flexible work arrangements, family leave and paid sick days. Offering these alternatives also will make a company more attractive to new work prospects and help retain current employees.

If those suggestions don?t do the job, here are two that will:

  • Full-time caregivers cost U.S. business around $33.6 billion annually in lost productivity.
  • Companies pay 8 percent?more in health care costs for workers with caregiving responsibilities versus noncaregivers, translating to $13.4 billion a year.

You?d think it would be a no-brainer for employers.?What do you think is holding them back? I?d love your opinion.

Follow Sally Abrahms at www.sallyabrahms.com or on Twitter

Photo by Michael Pujals courtesy of Creative Commons

Source: http://blog.aarp.org/2012/10/24/sally-abrahms-working-caregivers/

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Total Recall: Tom Hanks' Best Movies

We count down the best-reviewed work of the Cloud Atlas star.

Tom Hanks

Co-starring in a short-lived sitcom about cross-dressing friends generally isn't the most direct path to superstardom, but there's an exception to prove every rule -- only one, though; sorry, Peter Scolari -- and after racking up over $3 billion in domestic ticket receipts, winning a mantel full of awards (including back-to-back Best Actor Oscars), and starring in some of the best-reviewed films of the last 25 years, Tom Hanks has demonstrated that he's pretty darned exceptional. With his latest project, the Wachowski-engineered spectacle Cloud Atlas, arriving in theaters this weekend, we decided now was the perfect time to take another look at an impressive body of work by twirling the dials on the Tomatometer, making a list of Hanks' best-reviewed films, and playing Total Recall!


90%

If there was ever any doubt as to the strength of Tom Hanks' appeal, it was thoroughly answered with 2000's Cast Away, a movie that asked viewers to spend over an hour watching its star wander an island with little to do and only a volleyball for companionship. He didn't just topline it, Hanks essentially was the film, absorbing a percentage of screen time that, in lesser hands, would have amounted to an endurance test for audiences. Happily, he proved up to the task, as attested by Cast Away's healthy $429 million worldwide gross -- not to mention the scores of overwhelmingly positive reviews from critics like Margaret A. McGurk of the Cincinnati Enquirer, who praised Hanks for rising to the challenges of the script: "The challenge to the character is matched by the challenge to the actor; for most of the movie Mr. Hanks is the only human being we see or hear. He tackles the job with stunning confidence in a performance stripped of gimmicks and driven by need."


92%

Starring in a frothy romantic comedy as a man who falls in love with a mermaid may not seem like the surest path to starting a film career, but then, 1984's Splash was no ordinary movie -- in fact, it started a lot of things, among them an entire studio (Touchstone Pictures, created to allow Disney the ability to release more "adult" fare without sullying its name brand), a surge in the number of girls named Madison, and, supposedly, a name change for the Disneyland ride that eventually became Splash Mountain. Not bad for a movie featuring a pair of largely untested stars (Hanks was fresh from Bosom Buddies, and Hannah was known mainly for her role in Blade Runner) and a director most people still thought of as Opie Taylor (or Richie Cunningham). Nearly $70 million in domestic receipts (and one Academy Award nomination) later, and Hanks was on his way to stardom, thanks in part to positive critical buzz that has proven surprisingly durable; recently, Empire's Ian Freer held it up as "the movie that really showed Tom Hanks' promise as a deliverer of great comedy and heart-warming pathos."


92%

Some moviegoers who went to see That Thing You Do! expecting another "Tom Hanks movie" may have come away disappointed with his relative lack of screen time -- his character, the slick A&R executive known as Mr. White, is the textbook definition of a "minor but pivotal" role -- but if they paid attention to the credits, they saw that it had Hanks literally written all over it: he made his writing/directing debut with That Thing, which follows the speedy rise (and equally speedy fall) of a rock band in 1966. Though it wasn't a huge hit, the movie did spin off a medium-sized hit on the pop charts ("That Thing You Do," written by Fountains of Wayne's Adam Schlesinger and sung by future power pop demigod Mike Viola) and enjoyed highly favorable reviews from the likes of Desson Thomson of the Washington Post, who wrote, "first-time writer/director Tom Hanks stays about a half-beat ahead of the clich?s with rim shots of boyish enthusiasm and deft comedy."


93%

American directors have been making movies about World War II since 1940, and even as early as the 1980s, it was a genre associated by many with Norman Rockwell revisionism and John Wayne machismo. By 1998, for a movie about the war to add anything new to the dialogue, it would have to be something truly special -- but with Spielberg behind the cameras and a cast led by Tom Hanks, an actor as quintessentially American as apple pie, Saving Private Ryan was off to a pretty good start even before the first roll of film had been shot. The end result, of course, was one of the best-reviewed films (and biggest hits) of the year -- a $481 million hit that arrived perfectly timed to coincide with a new wave of interest in what Tom Brokaw dubbed "The Greatest Generation." Lauded for its sometimes shocking realism, Ryan was eventually nominated for 11 Academy Awards, and helped prompt Hanks' involvement (along with Spielberg and many others) in HBO's 10-part World War II documentary, Band of Brothers -- an important film, in other words, and one that, despite a few dissenting opinions (Andrew Sarris called it "tediously manipulative"), earned a healthy Tomatometer score thanks to plenty of high praise from critics like Richard Schickel of Time, who applauded it as "a war film that, entirely aware of its genre's conventions, transcends them as it transcends the simplistic moralities that inform its predecessors, to take the high, morally haunting ground."


96%

There were a number of age-swapping comedies at the box office in the late 1980s, including Vice Versa (starring Judge Reinhold and Fred Savage as a father and son who switch bodies), 18 Again! (in which George Burns plays an 81-year-old millionaire who trades souls with Charlie Schlatter), and Like Father Like Son (Dudley Moore and Kirk Cameron -- 'nuff said). Big, released in June of 1988, came after all of them, but rather than being dismissed as excessively similar to a bunch of movies that hadn't done all that well at the box office, it went down as one of the year's most successful films, piling up over $150 million in worldwide grosses and earning Hanks some desperately needed box office mojo after his appearances in The Money Pit, Nothing in Common, and (shudder) Dragnet. Though it would be awhile yet before Hanks really found his stride as a leading man -- he still had Joe Versus the Volcano ahead of him, after all -- his sweetly comic performance here did not go unnoticed by critics like the New York Times' Janet Maslin, who wrote, "for any other full-grown actors who try their hands at fidgeting, squirming, throwing water balloons and wolfing down food in a huge variety of comically disgusting ways, this really is the performance to beat."

Source: http://www.rottentomatoes.com/m/1926123/news/1926123/

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