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Friday, November 30, 2012
Nokia outs PhotoBeamer picture-sharing app for new Lumias
Back in June, Nokia splashed out on a big chunk of Scalado's imaging business, and now we're seeing the first fruits of that costly union. The handset maker has re-launched and re-branded Scalado Photobeamer as, you guessed it -- Nokia PhotoBeamer. Aside from the name change, it's the same QR code-based seamless picture service we've seen before, albeit with a Windows Phone 8 twist. It works over WiFi or cellular data and is currently available from the Windows Phone Store -- although it looks like it's exclusive to just the Lumia 820 and 920 for now.
Filed under: Cellphones, Cameras, Internet, Nokia
Source: Nokia Conversations, PhotoBeamer
Source: http://www.engadget.com/2012/11/30/nokia-photobeamer/
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Living with HIV when one partner is positive and the other is negative
Two months after Maripaz Callejas? husband died of AIDS, she was diagnosed with HIV. One doctor told her that she would be dead within five years.
In Maripaz?s home country, El Salvador, many new HIV infections occur as a result of unprotected sex between couples who are married or living together. WHO estimates that globally as many as half of all HIV-positive people in long-term relationships have HIV-negative partners ? forming what are known as serodiscordant couples. It is estimated that half of people living with HIV still do not know that they are infected, and, like Maripaz, many people in relationships do not know their partner?s status.
Couples should get tested together
That is why WHO recommends that couples get tested for HIV ? and counselled ? together. Receiving voluntary HIV testing and counselling as a couple means that both partners get tested together, receive their results and share their status with the support of a counsellor. A range of prevention, treatment and support options can then be discussed and decided upon together.
Maripaz is now married to Moises Marinero. Moises was aware of Maripaz?s HIV-positive status from the beginning. Maripaz was reluctant to start a new relationship at first, but a counsellor told her that it was safe to have sex, provided she always used a condom. She has been on HIV medication, antiretroviral drugs (ARVs), since 2002. Today, she remains healthy and Moises is still HIV-negative.
Maripaz was fortunate that Moises knew that she was HIV-positive and how to protect himself.
Living together as a serodiscordant couple
Life was initially tougher for Godfrey and Paulina Mtonga of Lusaka, Zambia. The couple have now been married for 32 years. They have 11 children and 8 grandchildren. In 1994, they went for HIV testing together. Godfrey was positive and Paulina negative.
?The first week was very bad for us,? Godfrey recalls. ?The counsellor came to visit us the very next day.? The counsellor kept coming, and the couple decided to stay together. They continued to have a sexual relationship, using condoms from a nearby clinic. Godfrey started taking antiretroviral treatment in 2002. Pauline has remained HIV-negative.
Godfrey Mtonga?s advice to everyone is to get tested. ?If you are positive, love each other and take your medicine at the right time. We have lived with our status as a discordant couple for the past 18 years because we support each other.?
Some countries?such as Kenya, Rwanda, Thailand, Zambia and others?have already introduced HIV testing and counselling for couples with a view to helping them support one another. Couples testing can be provided as part of pregnancy care or other health services, in peoples? homes and as part of outreach testing in communities, as well as in voluntary testing and counselling sites.
New guidance on couples HIV testing and counselling
In addition to correct and consistent use of condoms, counsellors may suggest that the HIV-positive partner take antiretroviral drugs, regardless of his or her immune status. Studies show that this can both keep the positive partner healthier for longer, and reduce the risk they will pass the virus to their loved one. This finding prompted WHO to issue new guidance on couples HIV testing and counselling in April 2012 ? including antiretroviral therapy for treatment and prevention in serodiscordant couples.
In addition to Zambia, which has recommended early ARVs for the positive partner in a serodiscordant couple since 2010, other countries?including Canada, China, Kenya and many in western Europe?currently recommend or are considering the use of ARVs to reduce HIV transmission in serodiscordant couples.
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Damascus fighting cuts off airport, Emirates suspends flights
BEIRUT (Reuters) - Syrian rebels battled forces loyal to President Bashar al-Assad just outside Damascus on Thursday, forcing the closure of the main airport road, and the Dubai-based Emirates airline suspended flights to the Syrian capital.
Residents also reported Internet connections in the capital were down and mobile and land telephone lines working only sporadically in what appeared to be the worst disruption to communications in Syria since an uprising began 20 months ago.
The past two weeks have seen rebels overrunning army bases across Syria, exposing Assad's loss of control in northern and eastern regions despite the devastating air power that he has used to bombard opposition strongholds.
Rebels and activists said the fighting along the road to Damascus airport, southeast of the capital, was heavier in that area than at any other time in the conflict.
The Syrian Observatory for Human Rights, a opposition monitoring group, said clashes were particularly intense in Babbila, a suburb bordering the insurgent stronghold of Tadamon.
Nabeel al-Ameer, a spokesman for the rebel Military Council in Damascus, said that a large number of army reinforcements had arrived along the road after three days of scattered clashes ending with rebels seizing side streets to the north of it.
"There are no clashes directly around the airport; the fighting is about 3 or 4 kilometers away," he said via Skype, adding that rebels had taken control of many secondary roads and were expected to advance towards the airport.
He said that he hoped the proximity of the rebels to the airport would dissuade authorities from using it to import military equipment, but the priority now was to block the road.
A Syrian security source told Reuters on condition of anonymity that the army had started a "cleansing operation" in the capital to confront rebel advances.
Residents said the Internet in Damascus crashed in the early afternoon and mobile and land telephone lines were functioning only intermittently.
A blog post on Renesys, a U.S. company which tracks Internet traffic worldwide, said that at 12:26 p.m. in Damascus, Syria's international Internet connectivity shut down completely.
Emirates said it was suspending daily flights to Damascus "until further notice", but other airlines continued operations.
Airport sources in Cairo said an Egypt Air flight that left at 1:30 p.m. (1130 GMT) had landed in Damascus as scheduled.
"The Egypt Air plane has arrived ... and passengers are all safe but the pilot was instructed to take off back to Cairo without passengers if he felt that the situation there is not good to stay for longer," an official at Cairo airport said.
Elsewhere in Damascus, warplanes bombed Kafr Souseh and Daraya, two neighborhoods that fringe the center of the city where rebels have managed to hide out and ambush army units, according to opposition activists.
"NOT LAST DAYS YET"
A senior European Union official said that Assad appeared to be preparing for a military showdown around Damascus, possibly by isolating the city with a network of checkpoints.
"The rebels are gaining ground but it is still rather slow. We are not witnessing the last days yet," the official said on condition of anonymity.
"On the outskirts of Damascus, there are mortars and more attacks. The regime is thinking of protecting itself ... with checkpoints in the next few days ... (It) seems the regime is preparing for major battle on Damascus."
In the north of the country, rebel units launched an offensive to seize an army base close to the main north-south highway that would allow them to block troop movements and cut Assad's main supply route to Aleppo, Syria's biggest city.
The Observatory said that rebel units from around Idlib province massed early on Thursday morning to attack Wadi al-Deif, a base east of the rebel-held town of Maarat al-Numan.
Wadi al-Deif has been a thorn in the side of rebel units who first besieged the station in October but met fierce resistance from government forces, backed up by air strikes.
Assad is fighting an insurgency that grew out of peaceful demonstrations for democratic reform but escalated, after a military crackdown on protesters, into a civil war in which 40,000 people have been killed.
Most foreign powers have condemned Assad but stopped short of arming rebel fighters as they fear heavy weapons could make their way into the hands of radical Islamist units, who have grown increasingly prominent in the insurgency.
Rebels decry their supporters for not providing them with surface-to-air missiles that they say they need to counter the air force. But recent looting of anti-aircraft missiles from army bases has allowed them to shoot down helicopters and jets.
"So far, there is no evidence that any of the surface-to-air missiles used to date have come from outside Syria," said Peter Bouckaert, emergencies director at Human Rights Watch.
"The limited number of surface-to-air missiles that have shown up all appear to have come from Syrian military stock captured by the armed opposition."
He said the number of these missiles in rebel hands was probably over 20 but that will rise significantly as rebels are capturing military bases on an almost-daily basis.
The relatively small number of anti-aircraft missiles looted so far means that many rebel-controlled areas of the country remain vulnerable to air strikes. The Observatory said 15 citizens, including children and women, were killed during a bombing in Aleppo's Ansari district on Thursday.
Activist video footage showed the bodies of at least four children, wrapped in red blankets and apparently wearing pyjamas. Another video showed the immediate aftermath of the attack, with the bodies of children in the street and covered in cement dust. Half of one young boy's head was missing.
(Additional reporting by Dominic Evans and Erika Solomon in Beirut; Yasmine Saleh in Cairo, Praveen Menon in Dubai and Justyna Pawlak in Brussels; Editing by Mark Heinrich)
Source: http://news.yahoo.com/damascus-clashes-cut-off-airport-emirates-suspends-flights-141313857.html
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Thursday, November 29, 2012
UK press braces for verdict of ethics inquiry
LONDON (AP) ? Britain's rambunctious press braced Thursday for censure and tougher scrutiny as an ethics inquiry triggered by tabloid phone hacking released its wide-ranging report.
Lord Justice Brian Leveson was due to release the findings of his yearlong inquiry, which heard evidence from hundreds of journalists, politicians, lawyers and victims of press intrusion.
His report, reportedly running to 2,000 pages, was due for release at 1:30 p.m. (1330GMT, 8:30 a.m. EST).
Prime Minister David Cameron set up the inquiry after revelations of illegal eavesdropping by the now-defunct News of the World tabloid sparked a criminal investigation and a wave of public revulsion.
Leveson is expected to criticize the cozy relationship between politicians, police and the press and to recommend stronger newspaper regulation.
Many politicians and members of the public want a regulatory body enshrined in law, but some lawmakers, editors and journalists fear that could limit press freedom.
Parliament would have to approve any legal changes the report recommends, and Cameron is under intense pressure from both sides. He is also tainted by his own ties to prominent figures in the scandal.
It erupted in 2011 when it was revealed that the Rupert Murdoch-owned News of the World had eavesdropped on the mobile phone voicemails of 13-year-old murder victim Milly Dowler while police were searching for her.
Murdoch shut down the 168-year-old newspaper in July 2011. His U.K. newspaper company, News International, has paid damages to dozens of hacking victims, and faces lawsuits from dozens more.
The former Murdoch editors and journalists subsequently charged with phone hacking, police bribery or other wrongdoing include Cameron's former spokesman, Andy Coulson, and ex-News of the World editor Rebekah Brooks, a friend of the prime minister.
Coulson and Brooks were appearing in court Thursday on charges of paying public officials for information.
Cameron, who received a copy of Leveson's report on Wednesday, is due to make a statement about it in the House of Commons later Thursday.
He and other senior politicians insist they will not curb Britain's long tradition of free speech.
"Everybody wants two things: firstly, a strong, independent, raucous press who can hold people in positions of power to account, and secondly to protect ordinary people ? the vulnerable, the innocent ? when the press overstep the mark," Deputy Prime Minister Nick Clegg said Thursday.
"That's the balance that we are trying to strike and I am sure we will."
Source: http://news.yahoo.com/uk-press-braces-verdict-ethics-inquiry-101004083.html
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Parting Schotts: Union hockey to have 'Coaches vs. Cancer' day Saturday against Princeton
The Union men's hockey team will have its Coaches vs. Cancer day on Saturday, when the eighth-ranked Dutchmen face Princeton at 4 p.m. at Messa Rink.
The event will be held in honor of Kristen Shinebarger, the 10-year old daughter of Shelly, Union?s Director of Student Support Services. The game will raise funds to help support American Cancer efforts to help people in the Capital Region stay well, get well, find cures and fight back.
As part of the initiative, the Union coaching and support staff will wear sneakers as part of the Suits and Sneakers program, and the players will wear yellow sock tape. Fans will have the opportunity to fill out an official Coaches vs. Cancer pin up card at the front entrance of Messa Rink in honor of those affected by cancer. The cards will be placed on a "Wall of Hope" inside the rink and displayed at future games.
The team has rallied around the event in honor of Kristen Shinebarger, who is battling Ewing?s Sarcoma, a rare form of bone cancer.
For Friday's game against Quinnipiac, it will be Toys for Tots night. The team will collect unwrapped toys for children in the lobby of Messa Rink.
There will also be a Teddy Bear Toss during the second intermission. Fans are encouraged to bring plush toys/teddy bears for the toss.
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Google Drive Adds Spreadsheet Editing to Its Mobile App
Android and iOS: When Google Drive released its first mobile apps, they barely did anything at all. Document editing came soon after, but now you can edit spreadsheets as well. Just like on the web, you can see others editing the same spreadsheet in real time.
This update also adds better text formatting, and you can download it for Android or iOS right now.
Google Drive for Android and iOS (Free) | Google Drive Blog
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Wednesday, November 28, 2012
31 Days of Windows 8 | Day #27: Inclinometer
Today, we are taking a look at our final sensor, the Inclinometer. In many ways, it is similar to the Motion class from Windows Phone. Ultimately, it aggregates several of our other values about the X, Y and Z axes to calculate three very important values: Pitch, Yaw, and Roll. If you?ve ever even dabbled in aviation, you?ve heard these values incessantly. They refer to the rotation around those three axis values.
Source: http://www.silverlightshow.net/news/31-Days-of-Windows-8-Day-27-Inclinometer.aspx
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Student Loan ? The Cause of next Financial Crisis? | Green World ...
The question might seem a little absurd, but it?s worth taking a look. It is reported that over $120 Billion in Federal Student Loans is in default and thus it can be the reason for the next financial crisis globally.
One question that has always evaded greater scrutiny has been the very critical default rate for student borrowers, a number which very few lenders and colleges openly disclose for fears that? the general public would comprehend not only the true extent of the student loan bubble, but that it has now burst. Based on the data released, the default rates for federal loan borrowers was rising but was not too troubling. Upon investigation it was found that the reason on why the risk was still low despite increasing the defaulters was due to the use of fudged data that drastically misrepresented the seriousness of the situation thus dramatically undercutting the amount of bad debt in the system.
The United States Department of Education, for the first time ever, released official three-year or much more thorough federal student loan cohort default rates. Unexpectedly the numbers turned out to be surprising, though in a negative sense. The number, for all colleges, stood at a stunning 13.4% for the 2009 cohort. The number reported is shocking as it is nearly 50% greater than the old benchmark, which tracked a two year default cohort, and was a ?mere? 8.8% for the 2009 year thus clearly explaining about the seriousness of the situation of rising debt.
The new improved report which is broken down by type of education and uses much more realistic benchmark, for-profit institutions had the highest average three-year default rates at 22.7 percent, with public institutions following at 11 percent and private non-profit institutions at 7.5 percent.
Thus, in other words, it can be said that more than one in five federal student loans is now in default and will likely never be repaid!
Also it is next to impossible to use historical data to extrapolate with precision the current consolidated federal student loan default rate though we do know that there is $914 billion in federal student loans (which also was mysteriously revised over 50% higher by the Fed). It is reported that there is now at least $122 billion in federal student loan defaults and surging every day.
The picture is crystal clear on why the Federal administration has been so reticent about disclosing the true state of the Federally-funded student loan bubble. Because if one simply assumes the rising default rate has kept constant across all recent cohorts since the updated 2009 number, it would mean broadly speaking, that of the $914 billion in Federal Student Loans at least 13.4% will end up in default.
Will it be right to say that we are about to meet the new subprime?
Well the answer to that was quietly reported in the recent news stating that the new data released by department of Education indicated there had been a concerted push by all sides to misrepresent the severity of the student debt problem, by over 50%. Thankfully the ?why? in the case need not be answered and is quite simple. Thanks to the US president Mr. Barack Obama, who touted an executive order easing the process for applying for a loan program that lets students make lower payments tied to their income? This results in easing their burden and making it less likely they will default. Under the new 3-year measure, colleges with default rates of 30 percent or more for three consecutive years will risk losing eligibility for federal financial aid. The same is applied in case of schools as well with the rate balloon fixed at 40% in a single year.
It was also found in a report by the Senate Committee that some of the for-profit colleges encourage students to defer payments in their early years, in an effort to keep down default rates which could help them jeopardize their federal funding. The report accused for-profits of using the tactic to manipulate their default rates.
Federally funded student loans are now increasing at a rate of over $60 billion per quarter which estimates that in about 18 months the total size of the Federal student loan will touch the whooping $1.3 trillion mark. Is the number surprising? Well that?s the number of the last subprime crisis resulted due to mortgage loans. $1.3 trillion was the reported size of the subprime market when the credit bubble busted. Thus it can be seen that the Federal student loan bubble has not only popped, but has all the carbon copy makings of the next subprime crisis and this time it will be something more bigger than compared to mortgage subprime crisis of 2007. Reason being simple, mortgage crisis had properties left behind whereas in case of student loan no recoverable asset is present as the asset himself is a human being. Thus a simple mantra, its time we need to act to save the global economy from a new phase of recession which is going to hit soon with greater power and greater loss to life and humanity.
Act before it?s too late!
Source: http://www.greenworldinvestor.com/2012/11/27/student-loan-the-cause-of-next-financial-crisis/
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Tuesday, November 27, 2012
Seeing the world through the eyes of an orangutan
ScienceDaily (Nov. 27, 2012) ? A captive bred Sumatran orangutan and a University of Nottingham neuroscientist in Malaysia are hoping to explain some of the mysteries of the visual brain and improve the lives of captive bred animals.
She is a captive bred Sumatran orangutan. He is a neuroscientist specialising in cognitive and sensory systems research. With the help of specially adapted eye tracking equipment they are hoping to explain some of the mysteries of the visual brain and improve the lives of captive bred animals.
Dr Neil Mennie, from The University of Nottingham Malaysia Campus (UNMC), has received funding from Ministry of Science and Technology and Innovation, Malaysia (MOSTI) to study the eye movements of Tsunami -- a seven year old orangutan at The National Zoo of Malaysia (Zoo Negara). Not only will Dr Mennie's research address vital questions about the visual cognition of humans and apes in natural tasks, it will also provide valuable enrichment for the juvenile captive-born orangutan.
Dr Mennie said: "Orangutans are particularly interesting because to survive in the treetops they must be very spatially aware of their surroundings. I hope to investigate their ability to search for food and to compare their progress with humans in 3D search and foraging tasks."
Dr Mennie, who is from the Cognitive and Sensory Systems Research Group in the School of Psychology at UNMC, is interested in how humans and apes use their brains to learn and make predictions about our surroundings. With the help of Tsunami's keeper, Mohd Sharullizam Ramli, and the special eye tracking equipment that is worn over her head and shoulders, Dr Mennie has spent the last year recording Tsunami's eye and body movements during the performance of complex actions such as locomotion, foraging for food and manipulation of small objects.
Tracking the eyes of an Orangutan
Tsunami was slowly introduced to the idea of wearing the eye tracking equipment that consists of a back pack containing a wireless transmitter. This pack back transmits data from two video cameras mounted on her head-band. As Tsunami performs various natural tasks -- foraging for food, using tools, moving around -- one camera films what she sees and the other camera films the movements of her right eye. Afterwards Dr Mennie and his students sit down and look at each video frame from this camera and write down the timing and location of these eye movements over the environment. As we make 3 eye movements per second, this is a very time consuming procedure.
Dr Mennie said: "I'm interested in the way we make predictive eye movements to places in the world where the stimulus is yet to appear and whether these predictive eye movements are there to assist the timing and placement of actions or whether they also help high-level mechanisms such as memory for our immediate space and the location of objects within it."
As part of his research Dr Mennie is also hoping to shed light on how these endangered animals navigate to help other scientists who seek to conserve the orangutan habitat. Knowledge of their foraging and search behaviour may help in the design and conservation of forest corridors.
Improving the life of captive animals
Orangutans are a critically endangered species -- they are also among the most intelligent primates. The Sumatran orangutan is on the IUCN Critically Endangered list. At Zoo Negara they are hoping Dr Mennie's research will help them develop their Enrichment Programme that is designed to get captive animals behaving as they would in the wild.
In the wild Tsunami would use her vision and her hands to guide her through the environment -- to find food, to use tools, to move and climb. To make Dr Mennie's task even harder, orangutans can grasp equally well with their feet. Faradilla Ain Roselan, Zoology Officer at Zoo Negara Enrichment Centre, said: "We want to keep our animals occupied so they don't display stereo typical behaviour such as pacing. We also want them to be able to exhibit any natural behaviour. Apes are highly intelligent animals and we don't want them to get bored. If we predict what they want to do maybe we can think of an enrichment that would suit their intelligence."
Long term goals
Currently Tsunami is in a specially built enclosure and this is proving to be a very useful beginning. Eventually he hopes to track this young orangutan when she is allowed to join her fellow red apes and Dr Mennie's long term goal is to record animals in the wild.
Dr Mennie said: "I could have done this research at any zoo. But the orangutan is a flagship symbol of Malaysia and I think it is fitting that this research is done here in Malaysia at The University of Nottingham Malaysia Campus."
With funding from the Malaysian Ministry of Higher Education (MOHE) Dr Mennie has already studied Orangutan eye movements in free ranging behaviour. MOHE has also funded a project that looked at the predictive eye movements of humans when they play the Malaysian game Congkak.
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Survey finds fewer first-year law students | NY Daily Record
Survey finds fewer first-year law students?
By Dolan Media Newswires
New York Daily Record
Posted: 4:33 am Tue, November 27, 2012
4:33 am Tue, November 27, 2012
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Source: http://nydailyrecord.com/blog/2012/11/27/survey-finds-fewer-first-year-law-students/
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News Summary: Web access fight brews before summit
Country music titan Dolly Parton is anything but shy.In an exclusive interview with "Nightline," Parton dished about her love life (including those rumors that she is secretly gay), losing a drag queen lookalike contest and building an entertainment empire estimated at half a billion dollars.Watch the full story on "Nightline" tonight at 11:35 p.m. ETIn her long reign as a country music legend, Parton, now 66, has done it all. In her new motivational memoir, "Dream More," which will be released on Nov. 27, Parton talks about growing up dirt poor in Sevierville, Tenn. ...
Source: http://news.yahoo.com/news-summary-access-fight-brews-summit-210645242--finance.html
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SBU Students Respond to Soccer Club Petition - Three Village Patch
A combination of an online petition and an on-paper petition have amassed approximately 4,000 signatures in support of the Three Village Soccer Club's mission to negotiate what it considers a fair deal for the use of the South P Lot soccer park at Stony Brook University.
At stake is approximately half of a 25.7-acre soccer park that the Three Village Soccer Club has spent more than $1 million to build, maintain and operate since the 1980s. But there's a lot at stake for the students, too, and last week, members of the University's club sports teams gathered together to respond to the soccer club's petition.
Emily Edwards, a Binghamton native who is a member of the women's club lacrosse team, said the lack of field space often prevents the club teams from being competitive. The various club teams ? 30 of them ? play against club teams from other colleges and universities from other areas, including upstate and out-of-state. Stony Brook students pay a recreation fee to have access to recreational amenities on campus. But each of the Stony Brook teams rarely has an adequate practice field all to themselves.
"Because we are competing with schools who practice on regulation size fields every day, in order to keep up with them, this is something that's essential," said Edwards, who listed Hofstra, Princeton, Army, Syracuse, Binghamton, NYU and even schools from central Florida as the club team's typical opponents.
"There was a worry. We almost got the fields canceled on us for the game," she said. "These people bought plane tickets to be up here. You can't just cancel it because intramural sports need the field. It's tough."
The students said Stony Brook lags behind other schools in the facilities available to student athletes who aren't members of NCAA teams.
"Every school we go to has rugby facilities that are strictly for the rugby team and they have sports club facilities for other sports clubs," said PJ Abelein, a native of Port Jefferson who is one of the rugby team's 80 players. "Having that on campus would be amazing."
For Anna Lubitz, a 2010 Ward Melville graduate who played for seven years in the Three Village Soccer Club, the soccer field issue hits close to home. She is now a Stony Brook University student and president of the Undergraduate Student Government, representing groups of students who would like to use the fields.
"I see both viewpoints," Lubitz said. "But ultimately, the students need the space. We have to find a common ground to share. ... We're one community. We have to work together."
Derek Cope, president of the sports club council, called club sports the perfect alternative to Division I athletics, and said his club soccer team kept him from transferring to another school.
"It's really a recruiting tool for the university as well," he said. "If I was an incoming freshman and I saw a really nice facility such as this, that could make the decision for me to come here. ... Being able to have club aspect to it totally changes your college experience. For me, having the club kept me here. I think a lot of people can say that as well."
The students are no strangers to petitions themselves. During the 2011-2012 academic year, more than 3,300 students signed one to ask the Undergraduate Student Government to help them find more recreational field space for the club sports teams.
Cope said the title of the Three Village Soccer Club's petition ? "Stop Stony Brook University from Taking Our Fields!" ? is misleading.
"Stony Brook University owns the property. It's our field to start with and they're making it seem like we're taking the fields from them completely," he said. "It's only one section. ... It's not that we want to kick them out of here and say this is all for us. We want to share it. We want something we can call our own because we've never had that before."
But Mitch Pally, president of the Three Village Soccer Club, said he doesn't feel the petition is misleading. He said the issue isn't about the University wanting to use four of the fields in general ? rather, it's about the University wanting exclusive use.
"The University wants exclusive use of [fields 1 through 4] starting in the fall of 2013," he said. "That?s what the draft permit says, so it is not misleading in any way, shape or form."
He said the students and the soccer club were able to accommodate each other's needs during the spring and fall seasons of 2012 by scheduling events ahead of time, and said that relationship could easily continue to exist.
"They gave us their schedule which we accommodated, we gave them our schedule which they accommodated," Pally said. "Everyone gets what they need out of it. We?re more than happy to accommodate that. But that?s not what the University said to us they want."
The soccer club is still pushing for a 15-year agreement to use the fields, along with a reprieve from paying the University around $60,000 a year to rent the space so that it can finance the building of new fields along Stony Brook Road.
"They want us to continue to pay the same amount of rent, and in fact the rent goes up each year. They want us to pay for most of the work to replace the fields," Pally said. "And they don?t want to give us a permit long enough to make sure the kids will have a place to play. [We] need the lease because if we build the fields I want to guarantee we?re going to be here."
Source: http://threevillage.patch.com/articles/sbu-students-respond-to-soccer-club-petition
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Monday, November 26, 2012
Social Media Ad Spend To Hit $9.2 Billion - Business Insider
Justin Sullivan / Getty Images |
- Social media ad spend is slated to double from $4.6 billion this year to $9.2 billion in 2016, a report by?BIA/Kelsey?predicts. Furthermore, native spots will increase from $1.53 billion this year to $3.85 billion in 2016.
- McDonald's?has a new president, and this changeover has "prompted concern among the chain's agencies," Ad Age reports. The fast food giant spent $1.37 billion on advertising last year, with DDB Chicago as its lead shop, but the company has been in a sales slump. Although McDonald's has been pretty loyal to its agency ties, the company's competitors like Arby's, Taco Bell, and Burger King, have made recent shifts with its shops.
- Digiday?asked clients if agency swag ? from free jeans to box-seats at Yankees games ? is actually an incentive to sign with certain shops.
Previously on Business Insider:
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UK regulator fines UBS $47 million over rogue trader case
DEAR ABBY: My darling mother-in-law passed away recently. She was a wonderful woman, a caring and loving role model to her children and grandchildren. In her will she left a diamond ring to her daughter, "Mimi," a diamond ring to me, and the remainder of her jewelry to her grandchildren. Her house and its contents were to be divided equally between her son and daughter.My children received a box from Mimi filled with Mom's costume jewelry. All of her expensive jewelry was missing. When I asked about the missing items, Mimi said they were in the box, and she had taken photos to prove it. ...
Source: http://news.yahoo.com/uk-regulator-fines-ubs-47-million-over-rogue-071731368--sector.html
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Japan opposition LDP remains election favorite: poll
TOKYO (Reuters) - Japan's opposition Liberal Democratic Party (LDP) is holding its lead ahead of December 16 election, opinion polls showed on Monday, with the hawkish Japan Restoration Party (JRP) led by a nationalist former Tokyo governor coming second.
The Yomiuri daily poll showed that 25 percent of voters would choose the LDP, which is calling for aggressive monetary steps to end deflation, well ahead of the ruling Democratic Party of Japan's (DPJ) 10 percent support.
The election for parliament's powerful lower house is unlikely to fix a policy stalemate that has plagued Japan as it struggles with an ageing population, a declining manufacturing sector and the emerging power of China.
Fourteen percent of voters planned to vote for the new Japan Restoration Party, led by 80-year-old Shintaro Ishihara and popular Osaka Mayor Toru Hashimoto.
Ishihara, the outspoken former Tokyo governor who sparked a territorial row with China with plans to buy a group of disputed islands, was seen as a more suitable government leader than Prime Minister Yoshihiko Noda, according to Yomiuri's survey.
But LDP opposition leader Shinzo Abe kept his individual lead with 29 percent of voter support.
The election is expected to usher in a period of confusing coalition politics because of the emergence of new parties and because whoever wins will still lack a majority in parliament's upper house, which can block bills.
With many Japanese disillusioned with politics, 37 percent of respondents to the Yomiuri poll said they were undecided. Surveys by other media, the Asahi newspaper and Kyodo news agency, showed similar results.
The DPJ swept to power in 2009 ending more than a half a century of nearly non-stop LDP rule. But its support slumped over what voters saw as broken promises, a confused response to last year's tsunami and nuclear crisis, and Noda's unpopular policies such as a tax hike and the restart of nuclear reactors.
(Reporting by Antoni Slodkowski; Editing by Nick Macfie)
Source: http://news.yahoo.com/japan-opposition-ldp-remains-election-favorite-poll-005954238--business.html
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Wii U Holiday Giveaway Event ? Blogger Spots Still Available : Mom ...
Huge Holiday Giveaway: Wii u 2012 Gaming System
MommyBearMedia.com is sponsoring a great group giveaway and is inviting bloggers to join in.
About the Giveaway:
- Promotion Will Run November 26- December 20, 2012
- Open in the U.S.
- Bloggers, this is a great way to connect with new readers. If you join in you can choose to promote your Facebook, Twitter, Pinterest, Picket Fence votes, Network Blogs, Email, RSS or YouTube.
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CLICK HERE? to learn more or sign up.
Tags: giveaway event, Nintendo Wii U
Category: Announcements
Source: http://www.valmg.com/index.php/2012/wii-u-holiday-giveaway-event-blogger-spots-still-available/
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Sunday, November 25, 2012
avowal merline: Daily Tips for Business: Industrial-Mechanical ...
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Source: http://albertrandolph.typepad.com/blog/2012/11/daily-tips-for-business-industrial-mechanical-abenorton20s-blog.html
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Source: http://avowal-merline.blogspot.com/2012/11/daily-tips-for-business-industrial.html
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Convicted Russian spy Danilov released on parole
MOSCOW (AP) ? A Russian physicist convicted of spying for China has been released on parole and is continuing to protest his innocence.
Valentin Danilov was arrested in 2001 on charges of passing classified information on space technology to China. He claimed the information was already publicly available.
He was acquitted in a 2003 trial, but retried the next year and convicted and sentenced to 14 years.
After his release Saturday, Danilov told a news conference in the Siberian city of Krasnoyarsk that he would pursue his case with the European Court of Human Rights.
"Nobody still has told me what kind of secrets I have," Danilov said Saturday.
Danilov, who was a professor at Krasnoyarsk Technical University, was one of several Russian scholars and journalists prosecuted for alleged espionage by the Federal Security Service, the main KGB successor known under its Russian acronym FSB.
Rights advocates say the security agency has been emboldened in efforts to discourage Russians' unsupervised contacts with foreigners since Vladimir Putin, a former KGB officer and FSB head, became president.
Danilov's release came 10 days after a new law went into force that broadens the definition of treason and which critics say could be used against politically inconvenient figures.
While the previous law described high treason as espionage or other assistance to a foreign state that damages Russia's external security, the new legislation expands the definition by dropping the word "external." Activities that fall under it include providing help or advice to a foreign state or giving information to an international or foreign organization.
Danilov said after his release that "I'll continue to be involved with science, but not connected with space, because everything that's connected with space, everywhere it's a state secret."
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Saturday, November 24, 2012
Diet That Helps To Control Hypertension - Ayushveda
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Rating: 5.0/5 (1 vote cast)
Hypertension or high blood pressure is one of the biggest threats for life now days. Mostly transpired through static work culture and impromptu lifestyle, hypertension has become a common topic to think whether for cures or for precautions. Being an incurable disease, it is a lifetime commitment of precautions and control.
A regular healthy lifestyle along with a proper intake of suitable food is the only way to reduce the risk through hypertension. For diminishing complications it is necessary to acknowledge the appropriate diet plans and its actual benefits.
Diets to Revise During Hypertension
While starting up with apposite diets, it is important to check with the regular food habits whether it affects your blood pressure or not. Some of facts should be known for immediate reactions. Before totting up new series, it is important to say bye to the tribulations.
Sodium and Hypertension
The first and foremost ingredient Sodium (Na) at the top significantly increases the BP levels. It is advisable to stop the ingestion while the severe case of hypertension. It is also suggested to minimise or avoid the intake and not more than 1,500 to 2,300 mg a day.
A very little amount of sodium exists in natural food and most of the amount is added during processing. Table salt and canned foods are rich in sodium and strictly should be avoided. Low sodium foods even complement the weight loss and increase the chance to control high blood pressure.
Alcohol and Hypertension
Alcohol again affects the blood pressure and causes hypertension due to high in calories. A moderate amount of alcohol is suggested to the heavy drinker and cut the consumption to a permissible limit for a risk free result.
Caffeine and Hypertension
It has been proven that excessive ingestion of coffee and smoking which contains caffeine increases the blood pressure and affects to state of hypertension. A limited amount of consumption can instantly decrease the risk.
Vital Dietary Elements for Hypertension
Some moderation in lifestyle can easily make a difference. Along with healthy and active routine a proper amount of dietary elements are considered to minimise the damage from hypertension.
It is imperative to know about the appropriate diet for certain syndrome. Low fat diet, high source of energy and low calories and low sodium food are the specifications for the hypertension diet solution. According to the stipulation selections should be through.
Diet Rich in Potassium
Potassium is the vital ingredient to control blood pressure. It helps to maintain fluid balance in body. It is shown that foods rich in potassium and low in sodium are the best balance for hypertension. So, it is recommended to add more fruits and vegetables in diet high in potassium.
Banana, coconut water, spinach, Prunes and prune juice, tomatoes, grapes, oranges, tuna, low fat yogurts and others natural sources of potassium are hugely prescribed for hypertension. It is better to depend on such natural food and not on the pills as it cannot fulfil the necessity and can be harmful while excess intake.
Diet Rich in Calcium
It is seen that calcium is a crucial element to control hypertension. Low ingestion of calcium causes increase in blood pressure so the risk gets doubled when it comes to a patient with higher side of threat.
Source:?http://iwellnesscenter.com/should-you-take-a-calcium-supplement
Dietary calcium altogether helps to maintain blood pressure as well as controls to lose weight. Low-fat dairy Products, avocado, tofu, salmon and more are advised to balance calcium intake.
Also Read
Natural Cure for Hypertension
How to Deal With Hypertension During Pregnancy
Home Remedies for Hypertension
Exercise to Manage Blood Pressure
Tips to Keep Hypertension Under Control
Diet Rich in Magnesium
Magnesium is useful to tone muscles and plays important role to reduce blood pressure. Diet with magnesium pacifies the blood vessels. Spinach, almonds, poultry products especially lean meat, fat free chicken and other sources significantly help to favour good control over hypertension.
Diet Contains Omega 3
Cholesterol is the biggest hurdle to maintain hypertension risks. Omega 3 is universally known for its significance of invalidating bad cholesterol level and increases blood circulations that sources normal blood pressure. Food rich in omega 3 are wild salmons low in saturated fats and high in protein, herrings and so on. Omega 3 also helps to prevent cancer and protect eyes due to its rich fatty acids and protein sources.
Diet Rich in Fiber
Fiber for hypertension tends to be a fighter and also be known as the important player to control high blood pressure. Fiber enriched food helps in digestion and also cleans the system and fight against irritable bowel syndrome. The most prescribed series for the same are dried beans, nuts, cereals, rice bran, whole grain bread and oat bran.
Source:?http://blog.fooducate.com/2010/01/11/are-you-consuming-fake-fiber/
Hypertension in this busy time is thrashing so much health all around. But awareness about the related facts and figures is also playing a big success to fight with the harm. A healthy living can endorse fitness out of the life taking risk increased by hypertension. And the dietary solution in a planned way helps to an extent to reach health.
Photo Credit:?http://www.mastersoftrivia.com/blog/2011/07/hypertension-symptoms-causes-and-treatment-options/
Diet That Helps To Control Hypertension, 5.0 out of 5 based on 1 ratingSource: http://www.ayushveda.com/magazine/diet-that-helps-to-control-hypertension/
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9 more Iraq, Afghan war veterans joining Congress
FILE This Nov. 6, 2012 file photo shows Iraq war veterans Rep.-elect Tulsi Gabbard in Honolulu. Veterans groups say the influx of Iraq and Afghanistan veterans in Congress is welcome because it comes at a time when the overall number of veterans in Congress is on a steep and steady decline. In the mid-1970s, the vast majority of lawmakers tended to be veterans. (AP Photo/Marco Garcia, File)
FILE This Nov. 6, 2012 file photo shows Iraq war veterans Rep.-elect Tulsi Gabbard in Honolulu. Veterans groups say the influx of Iraq and Afghanistan veterans in Congress is welcome because it comes at a time when the overall number of veterans in Congress is on a steep and steady decline. In the mid-1970s, the vast majority of lawmakers tended to be veterans. (AP Photo/Marco Garcia, File)
FILE - This Nov. 15, 2012 file photo shows Iraq war veteran, Rep.-elect Tammy Duckworth, D-Ill., who lost both legs in combat before turning to politics, arriving for a group photo on the East steps of the Capitol in Washington. Veterans groups say the influx of Iraq and Afghanistan veterans in Congress is welcome because it comes at a time when the overall number of veterans in Congress is on a steep and steady decline. In the mid-1970s, the vast majority of lawmakers tended to be veterans. (AP Photo/Susan Walsh)
WASHINGTON (AP) ? As Tammy Duckworth sees it, her path to Congress began when she awoke in the fall of 2004 at Walter Reed Army Medical Center. She was missing both of her legs and faced the prospect of losing her right arm.
Months of agonizing therapy lay ahead. As the highest-ranking double amputee in the ward, Maj. Duckworth became the go-to person for soldiers complaining of substandard care and bureaucratic ambivalence.
Soon, she was pleading their cases to federal lawmakers, including her state's two U.S. senators at the time ? Democrats Dick Durbin and Barack Obama of Illinois. Obama arranged for her to testify at congressional hearings. Durbin encouraged her to run for office.
She lost her first election, but six years later gave it another try and now is one of nine veterans of the Iraq and Afghanistan wars who will serve in next year's freshman class in the of House of Representatives.
Veterans' groups say the influx of Iraq and Afghanistan veterans is welcome because it comes at a time when the overall number of veterans in Congress is on a steep and steady decline. In the mid-1970s, the vast majority of lawmakers tended to be veterans.
For example, the 95th Congress, which served in 1977-78, had more than 400 veterans among its 535 members, according to the American Legion. The number of veterans next year in Congress will come to just more than 100. Most served during the Vietnam War era. In all, 16 served in Iraq or Afghanistan, not all in a combat role.
"We're losing about a half a million veterans a year in this country," said Tom Tarantino, chief policy officer at Iraq and Afghanistan Veterans for America. "We are not going to be in a world where a significant plurality of people spent some time in the military, so to have 16 men and women who fought in this current Congress is incredibly significant."
Tarantino said he recognizes that the 16 Iraq and Afghanistan vets have wide-ranging political views. But at the end of the day, he said, their shared experiences make it more likely they'll put political differences aside on issues like high unemployment and suicide rates among returning veterans, or in ensuring that veterans get a quality education through the post-9/11 GI bill.
Their election victories also provide a sense of assurance to veterans.
"The biggest fear we have as veterans is that the America people are going to forget us," Tarantino said. "When you have an 11-year sustained war, the fight doesn't end when you pull out."
Duckworth carries the highest profile of the incoming vets. She was co-piloting a Black Hawk helicopter in Iraq when a rocket-propelled grenade landed in her lap, ripping off one leg and crushing the other. At Walter Reed, she worried about what life as a double amputee had in store. But during her recovery, she found a new mission ? taking care of those she describes as her military brothers and sisters. That mission led her to a job as an assistant secretary at the Department of Veterans Affairs during Obama's first term.
"Had I not been in combat, my life would have never taken this path. You take the path that comes in front of you," Duckworth said from a wheelchair last week as she and her fellow freshmen went through orientation at the Capitol. "For me, I try to live every day honoring the men who carried me out of that field because they could have left me behind, and they didn't."
Duckworth is one of two freshmen Democrats who served in Iraq or Afghanistan. The other is Tulsi Gabbard of Hawaii, who served near Baghdad for a year and was a medical operations specialist. Gabbard said she hopes the two of them can be a voice for female veterans and the unique challenges they face.
About 8 percent of veterans are women. They tend to be younger on average. Nearly one in five seen by the Department of Veterans Affairs responds yes when screened for military sexual trauma.
Seven Republicans served in Iraq or Afghanistan. Most had backing from tea party supporters who share their views that the size and scope of the federal government should be curtailed.
?Ron DeSantis of Florida was a judge advocate officer in the Navy who deployed to Iraq as a legal adviser during the 2007 troop surge.
?Brad Wenstrup of Ohio was as a combat surgeon in Iraq.
?Kerry Bentivolio of Michigan served in an administrative capacity with an artillery unit in Iraq and retired after suffering a neck injury. He also served as an infantry rifleman in Vietnam.
?Jim Bridenstine of Oklahoma was a combat pilot in Iraq and Afghanistan.
?Scott Perry of Pennsylvania commanded an aviation battalion in Iraq in 2009 and 2010.
?Doug Collins of Georgia was a chaplain in Iraq.
?Tom Cotton of Arkansas, a Harvard Law School graduate, was an infantry platoon leader in Iraq and then was on a reconstruction team in Afghanistan. In between, he was a platoon leader at Arlington National Cemetery.
Cotton said the reason he ran for Congress is the same one that led him to enter the Army after the Sept. 11 terrorist attacks.
"I felt we had been attacked for who we are ? the home of freedom," Cotton said. "And I worry now our liberty is threatened at home by the debt crisis we face, which in the long term will mean less prosperity and less opportunity, and therefore less liberty."
Cotton said he could easily see himself working with Duckworth and Gabbard on veteran's issues. "They've carried a heavy load and we owe them a great debt," he said.
At the same time, it's clear the freshmen veterans have clear differences of opinion over policy matters. For example, Gabbard is a strong critic of the war in Afghanistan. She says the United States needs to get out as quickly and safely as possible. Cotton opposes setting timetables for withdrawal.
"We're trying to win a counter-insurgency war where we can put a friendly, allied, stable government in place," Cotton said. "It's certainly been a long and somewhat winding road, but on the whole, America and our interests in the world are much better off for having waged the war in Afghanistan."
There also will be differences over spending priorities. Cotton is reluctant to trim spending on defense as a way to deal with the deficit.
Duckworth said certain programs need close examination, particularly in the area of government contracts. She said she "can actually stand up and talk about defense spending in a way that will be realistic without being attacked for lack of patriotism or not being strong on defense."
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Organic Wine for Health Benefits | Health Food x Drinks
Posted by Organic Food Expert in Wine & Spirits | 0 comments
Wine is the perfect complement to many foods, be it breakfast, lunch or dessert. You can use it in cooking certain culinary items, to impart an abundant taste and smell. And there are various benefits related to drinking wine. A kind of wine that is all the rage nowadays and it is quickly gaining kudos in the elitist and regular wine folk, is organic wine.
Organic Wine
Guess what happens wine is, and so its vast amounts of fans around the world. Included in this, the majority likes it because of its taste, the relaxing effects and also the health benefits, while a few are dead against it as it is after all an alcoholic drink which people do not encourage use of alcohol. So, there is a contradiction. But let?s drop the contradiction and opt for the majority. In this article, find out more about organic wine and its health benefits of wine.
Health Benefits of Organic Wine
Free from Chemicals
A chemically-free production ensures a chemically-free product. No pesticides, no fertilizers, no herbicides or fungicides ? basically something that is not meant to be a component, such elements are absent from organic wines. Which over time is better for you, the customer. Chemicals, if ingested, build up and collect in your body and degrade your body gradually. Wine should be fruity having a rich chemical-free taste, this really is promised in an organic wine.
Improve your bones
Have a drink now, decrease your risk of hip fracture later up to 20 percent. Scientists suspect the result is due to the fact that alcohol increases estrogen along with other hormones important to strong bones.
Sulfurless Property
Organic wines don?t contain sulfur dioxide or any sulfur based preservatives. So for all those with sulfur or sulfur products allergies, this really is good news. Traditional wines contain sulfur dioxide to permit the wine to age or perhaps be kept. Organic wines have only biological sulfur, this too in minuscule amounts, approximately 10 mg per liter. Sulfur dioxide in wine may cause very serious allergic reactions and it has been linked to enhancing the chances of getting a hangover.
Considerations
A 5-oz. glass of wine or 12 oz. of beer (one bottle) is equivalent to one drink. One drink each day for women, two for males, is considered a safe and beneficial amount. Excessive drinking will produce negative health effects.
Fight Heart Disease
A daily glass of wine could raise the blood?s level of inflammation-fighting omega-3 fatty acids.
Health Benefits of Organic Wine
Ditch Diabetes
Downing the cheer of your liking can improve your body?s sensitivity to insulin. The greater effectively your body responds for this hormone, the lower the chances of you developing Type 2 diabetes.
Less to No Additives
Preservatives, flavorings, chemical food substance etc. are absent from true organic wines. Which means you are drinking actual wine, not 10% wine, 90% artificial additives.
Blood pressure level
Blood vessels become dilated after one drink, which increases blood circulation and reduces force on the heart. The key is stopping just one to avoid adding stress towards the heart.
Benefits of Wine
- Ultimately organic wines comprise the wine spirit, so that all the benefits and benefits of drinking wine are applicable, without any chance of eating chemicals. So advantages for example:
- Reduces the impact of smoking
- Reduces chance of coronary and heart disease
- Raises HDL (good cholesterol) levels
- Reduces risk and occurrence of atherosclerosis
Source: http://wine.healthfoodxdrinks.com/organic-wine-for-health-benefits/
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French tennis coach convicted of raping players
PARIS (AP) ? A former tennis coach in France was convicted and sentenced to eight years in prison Friday for raping young students at his academy, ending a seven-year legal case that began when a former ranked player published a book describing years of abuse at his hands.
The court in Lyon also barred 70-year-old Regis de Camaret from working in tennis for life.
The case against Camaret began in 2005 with accusations from former ranked player Isabelle Demongeot, who wrote a book describing years of abuse. Several other women later came forward with accusations that Camaret raped or sexually abused them when they trained in the 1980s and 1990s. The statute of limitations had run out for most of the accusers, but he was tried based on complaints by two former players.
Camaret has denied all the accusations against him, insisting that the atmosphere at his academy was "conducive to flings," the Sipa news agency reported. Former No. 3-ranked player Nathalie Tauziat testified on his behalf at the trial.
Tears flowed among some former trainees after the verdict came down.
"Well, finally, tonight, he's in prison," said an emotional Isabelle Demongeot, who was once ranked No. 2 within France, and whose case was beyond the statute of limitations. "We are all very moved, and drained."
Karine Pomares and Stephanie Carrouget ? the two civil parties to the state's case and who testified ? exchanged long hugs, crying.
"We didn't let it all out for nothing," Carrouget said, according to Sipa. The Associated Press doesn't generally identify accusers in sexual assault cases unless they agree to be named or identify themselves publicly.
Defense lawyer Emmanuel Daoud said that the case amounted to "a trial by proxy" and argued that critics had wanted Camaret to pay for crimes beyond the statute of limitations: "I don't call that justice."
However, Daoud never rejected the accusations filed against his client, saying to Camaret ? who cried repeatedly ? during the proceedings: "Regis, you failed your moral obligations."
The court showed clemency compared to the prosecutors' request for a 10- to 12-year prison sentence. The defense team wanted the case dismissed, arguing that Camaret should be given the benefit of the doubt. Investigating judges had initially tried to throw out the case for a lack of evidence ? before state prosecutors appealed that decision.
Source: http://news.yahoo.com/french-tennis-coach-convicted-raping-players-173856088--spt.html
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Friday, November 23, 2012
Professional Debt Advisor | Tall Grass Fine Art
When consumers hear the phrase debt decline, plenty of them sit up and listen. Reducing the total amount of your debts will do wonders to your financial allowance and would you not need that?
As appealing as it can be, perhaps not most people are qualified to enter the program. Also known as debt settlement, this type of debt reduction seeks to discuss with a collector or collector to consent to a reduced total of your outstanding balance. It involves some significant bargaining as you tell the creditors to accept the amount that you can afford to cover.
The one thing about that debt reduction choice is there is no certainty regarding simply how much you are able to wind up settling. Sometimes, lenders will not agree to any agreement at all. That is why debt settlement businesses demand requirements to be sure they represent only the right consumer.
Just what exactly would be the skills that will enable you to get accepted into a debt reduction program?
First and foremost, you?ll need to have the appropriate debt. All of the debts that may be paid off are unsecured loans, unpaid medical bills, credit and store card debts, selected private debts and other credit unions. Attached debts cannot be settled because of the presence of the security that the creditor can get once the debtor defaults on their payments. Other unqualified debts include child support, student loans and selected personal loans with a bank that you already have an account with. Most debt aid businesses supplying a reduction program will need a debt of $7,500 or even more.
After you have pleased this qualification, you?ll be evaluated on the level of economic hardship that you?ve. Only individuals with apparent economic problems is likely to be accepted by reliable debt settlement companies. No-one will represent a debtor who only wants to flee high charges even if they are significantly more than able to purchase the minimum of these debts.
So if you can?t afford even the minimum of your debts, you can connect with a debt reduction program. Still another indication that you qualify is when you have fallen behind on your own funds ? or at the least when you?re going to fall behind. If you have been attempting to avoid bankruptcy but is all about to quit hope, it is a debt relief that you can pursue. If you are in a position to purchase your debts regularly, the lender won?t decide ? seeing that you have the funds to manage payments.
Most people who experienced job reduction, a sudden illness, and divorce are good candidates because of this system. They?re the key causes in reducing the income considerably. 1 minute, you can afford your installments and the following, you?re fighting accumulating debts without the money to cover them.
Every debt decline scenario is exclusive so you can still approach a debt reduction business. At the very least, they can assist you in working out the best strategy that?s suited to your financial abilities. Most legitimate debt relief companies (also for-profit companies) offer free initial consultations in order to take advantage of this to coach your self. Just keep clear of who you?ll sign a contract with and ensure they are trustworthy and reliable. If you need help getting debt relief, consider enrolling in a debt relief program, managed by a professional debt advisor.
Source: http://tallgrassfineart.com/?p=504
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