Economizing with DIY Home Improvement Projects

There economic scene is still not that rosy for many global economies.??Talks about stimulus packages and recovery measures are not exactly translating to real and tangible benefits for the ordinary consumer.?But, life goes on for all of us.??We just have to make do with what we have and try our best to weather these times.??There are a lot of ways through which we can economize in our own homes.??One of these is through DIY home improvement projects ? having a bad economy does not mean that we should let our homes go bad too.

If you have a little less money than before to spend on home furnishings and accessories, then maybe you can put in a little elbow grease and make your own unique pieces.??There are plenty of resources on DIY projects online.??You can check out needlecraft websites for instructions and patterns on how to make your own curtains, table cloths, table runners, quilts, and so much more.??You can also turn to woodworking websites to take you through the steps in constructing simple furniture pieces like end tables, cabinets, chairs, and foot stools.

These DIY projects can cut costs and allow you to redecorate or renovate your home without putting a dent on your budget.

?

Image courtesy of Ambro / FreeDigitalPhotos.net

Source: http://happyhomeandfamily.com/economizing-with-diy-home-improvement-projects/

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Bank extends wellness from employees to local communities ...

Cleveland-based KeyBank has healthier employees and lower medical costs since it embraced a systemic approach to encouraging employees to become more involved in their well-being.

The bank attributes its success to simple health plan designs, including two high-deductible health plan options and one preferred-provider organization program.

The bank also donated $1 million to Susan G. Komen for the Cure to develop a program that will provide breast health education and screenings to 110,000 medically underserved women in 17 U.S. cities where KeyBank has a presence.

Contact: Dave Reavis at KeyBank, (216) 471-2886.

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Reasonable Internet Hosting Bundle ? Painless Advice on How To ...

And that means you have made a decision you entirely require a blog. Previously you dive in, I?d love to share along with you 10 belongings you would want to be aware of regarding how to develop a homepage, as a way to guarantee the being successful of your respective web pages undertaking.

Techniques to Create an Internet site Product #1.

An internet site tackle (or URL): Your web site deal with may be the area at which clientele will discover you. Preferably, you?ll want to make use of your company title. (yourbusinessname.com). When your title is absolutely not presented, then experiment with by means of search terms that relate on your firm. Such as, an attorney in The big apple can use NewYorkLawyer.com. Be sure that the word wide web handle is straightforward to keep in mind. When your internet handle is one area which is often misspelled, ensure to buy the URL for your misspelling for the handle in addition.

Find out how to Construct a Web-site Product #2.

Word wide web internet hosting: To ensure that your documents to generally be reside on-line, you should require a net host. An internet site is comprised of documents, in addition to a net host has the capacity to make many information dwell via the internet by internet hosting them with a net server. Locate an internet host that gives 24-hour assistance.

Tips to Create an Internet site Product #3.

A program: You will need a schedule prior to when getting going. It?s important to grasp the intention of your respective web page and also your anticipations if you want for getting there. Confidence me it, it will eventually preserve you a large number of time and expense.

Tips on how to Construct a Homepage Product #4.

Symbol: Does one possess an enterprise symbol? In the event you you should not, it happens to be time for you to make a single. A brand is likely one of the solutions to manufacturer your online business, and may be utilised on your whole promotional items so your buyers will know it.

Methods to Create an Internet site Product #5.

Pictures: Photos benefit to inform a tale too as assistance you converse using your goal current market. You are able to both use inventory photographs or your very own pictures. Those that really are a photographer, marriage ceremony planner, inside designer, or are in a very visible business, you may plan to make use of your very own photographs. Otherwise, you might choose to find inventory photos that can powerfully relay your concept.

Easy methods to Create an Internet site Product #6.

Web-site content/text: Your site requirements to look and feel suitable, nonetheless it also preferences to receive your concept throughout. The articles of your respective web site will need to do a couple of things. one) Provide your merchandise and services/communicate your concept. two) Be internet search engine helpful by as well as key terms that can be related for your firm. Any time you absolutely are a bakery in Boston, as well as your prospect is researching for ?bakery in Boston,? key phrase loaded online page may help these prospective buyers get hold of your web site. A specialist copywriter can compose articles that the two communicates your concept and it is online search engine pleasant.

Tips to Develop an Internet site Product #7.

Qualified web-site design and style: What would a web site be with no picturesque style and design? There can be a number of designers to select from. But, not all internet site designers are put together equivalent. Pay out consideration towards the web site designer?s portfolio to analysis the professionalism in their function. Furthermore, see how effective they can be in answering your concerns and providing you the data it is advisable to produce an effectively knowledgeable final decision.

Why you should Develop a Homepage Merchandise #8.

Articles and other content Administration Technique: If you happen to regimen on updating important info for your web page frequently, then you certainly will require an information control program that permits you in order to make alterations on your blog all on your own, without any acquiring to return on the designer. Most companies on the market will not likely require a CMS, however, if you?re a giant via internet retailer or have ambitious progress ideas, then bearing in mind a CMS is likely to be a good suggestion. It would make your internet site upgrades less of a challenge and much more streamlined.

Find out how to Produce a Webpage Product #9.

Web log: Weblogs are an incredible way for you to develop a long-term loving relationship along with your potential clients and potential clients. Weblogs are seriously interactive and they are up-to-date repeatedly, so it provides you an exceptional discussion board for interacting using the absolutely those that will actually buy your services. It really is also a perfect approach to build up your listing for regular e-mail communications. At any time you have an interest in commencing a dialogue along with your goal markets then introducing a web page with your web site is definitely a beneficial approach. It truly is also an ideal resource that would facilitate bolster your online search engine optimization initiatives.

Easy methods to Produce a Webpage Product #10.

Determination to selling: When you produce it, they will not always come- unless of course you commit you to advertising. It can be imperative to construct it effectively, keep dedicated to trying to keep the data precise, and recognize that advertising and marketing will almost certainly be of utmost great importance in order for you your website to deliver prospects and deliver benefits to the business enterprise.

Listed here is really a tip: At your pleasure explore to Learn How To Earn A Living Strive Reseller Internet Hosting to acquire a little more related information concerning the respective topic. I am certainly you are likely to discover the information to become seriously beneficial.

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1. Not So Big Organization Webhosting Scheme ? Find Out How To Choose A Superior Web Hosting Bundle
2. Reasonable Internet Business Website Hosting ? The Way To Find Out a Good Web Host
3. Fine Recommendations For Website Internet Hosting: Advantages Of Shared World-wide-web Internet Hosting In Excess Of Other Hosting Kinds
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Summer swimming on the Copper Coast 4 ? And we're done ...

I have no plan to swim into every cave on the Copper Coast, and no plan to subject you all to every one. But we have almost covered all the most interesting ones that I?ve swam to date: Some are obviously above high water mark and inaccessible, and some are too small, and there are sooo many.?Some always seem to catching swell and/or aren?t safe when I visit them, especially on the lengths of coast where I swim less. But I do swim into anything big or interesting looking. And when I think I?ve seen them all, I discover something new. In fact, after I wrote this (a couple of months before it was posted), I swam into another big cave, and through another large arch.

Sheep Island (left), Eagle Rock (centre), Island of the Frenchmen (right)

Sheep Island in Kilfarassey separates Gararrus and Kilfarassey Bays. In both cases the promontory/island is at the more inaccessible far end away from the small car parks, east from Kilfarassey, west from Gararrus.

Island of the Frenchmen, inside Sheep island

Swimming from Kilfarassey with a trip out to and around Burke?s Island first (because that?s what I normally do) can mean a 40 minute swim to get to Sheep island. Or sometimes, if you are going around high tide to get access to some of the arches, you are swimming east against a tidal current and it can take 50 minutes, (as it did recently), passing some of Mick O?Meara?s?seapaddling.com?kayak day-trippers. Halfway across Kilfarassey Bay.

Kayaker (centre) clambering around on Burkes?s reefs

There they are, clambering around the rocks out on Burke?s Island with their kayaks pulled up, feeling like adventurers, when next thing some lunatic in an orange cap swims past. ?I?ve seen the What-The-Hell look on their faces. Mick recently set a new Irish Sea kayak record by the way. (Ironically, we?ve yet to meet, though we must pass each other regularly in the water, and my car is often parked beside his van at Kilfarassey). There?s a tunnel in the promontory inside Sheep island that I?d looked at last year, that had grown longer and narrowed in my imagination, you can see it in both pictures above on the right-hand side. (Notice the reefs around the exit). When I finally swam back to it after circling Sheep Island, swimming from the west outside and around to the east, I realised it was actually only about 30 metres long and quite wide, two to three metres. But I swam through it anyway. Swimming though the tunnel . The promontory itself is also separated from the cliff and is like a giant Swiss cheese with a few large tunnels though it, most above high tide, though one or two are accessible to swimmer or kayak on a high spring tide. Those I swam last year, and are amongst the least interesting, partly because they are so large much of the sense of adventure is lost. When I?d swum around Sheep island, I was swimming in among the rocks, looking for channels when I caught a glimpse of blue sky ? through the rocks. I swam closed and discovered another tunnel, through Sheep Island itself. Unlike the other tunnel, this was narrow and crooked. Attempting the Sheep Island ?narrowest arch? from the east video. I made an ?exploratory probe? into it, and discovered the other end was narrower, very narrow. It wasn?t safe so I exited. Back through the channel between the island and to the west side of the island for a look from there. Everything happens slowly when you are swimming. On that side I discovered the tunnel was partially hidden behind a low reef. ?There were also reefs almost touching the surface, which by now was only about an hour past high tide. I made two attempts to get in. There was a barnacle-covered rock just under the surface. Surges of water seemed amplified coming over the outside reefs, the walls were right beside me.

The narrowest arch

?

Each time I abandoned and went back. On the third attempt I stood on the sub-surface rock, the gap only a metre away,, and, what added to the difficulty was that it was slightly less than shoulder width and with a slight bend. Back I went again, before I decided this might be my last (or only) chance this year. I didn?t want to wait till next year. I was willing to risk some skin. I was going through. It was too narrow to film, the thing was to be decisive and move quickly. I managed to make it around the subsurface rock in a lull. Then I had to duck under water surface to avoid?the dropping drop of the side. It was a three metres or so of difficulty before I made it into the wider stretch. I was through, the Sheep Island tunnel, by far the most difficult, was done on the fifth attempt (from both sides). ? Oh, and also on this little expedition I swam into a channel where jellyfish polyps were releasing, small jellies, some only 1 cm in diameter. ? ? Attempting the tunnel from the west. I had quite a number of cuts and grazes, the worst on my hand and my back. Totally worth it.

When I got back the beach after another 30 minutes, about two and a half hours after I left, the normally deserted Kilfarassey beach was inundated with people.

It?s a crowd!

It was still bright and sunny, unusual this summer, so a good day for cliff walking.

Looking carefully, a couple of kayakers could still be seen paddling through the reefs out at Burke?s.

Kayakers on Burkes reefs, look carefully

What produces all these great caves and arches is the interaction of the punishing Atlantic storms with the Old Red Sandstone of this coast.

One of the last stretches of stone wall above Kilfarassey

In the couple of years since I?ve begun haunting Kilfarassey, the cliff edge has retreated one to two metres in a couple of places, with only short sections left of the old stone cliff top wall.

I took this image on the left last year, but that stretch of wall is now sadly gone. New electric fence installed within the last year is only a metre from the cliff edge and will surely need to be moved again within another two years. Oh, why are there electric fence by a cliff you ask? Cows. We have them. Lots of them.

Almost all the early summer thrift?were faded, only a few stalwarts left on sentry duty.

Last Thrift

I?ve been a bit heavy-handed with the colour saturation on my photos lately, a tendency I must try to rein in. But when the skies are grey so much of the time?

Kilfarassey Cliff stone wall fragment

The wall fragment above in context. Seen from the side it?s even more exposed.

Just one thrift, with the sea as backdrop, my current desktop (at a larger resolution). It?s a long way to next summer, a long way to 15 or 16 degree water, a long way to spending as much time in water as I want and not thinking about it.

Just one last summer Thrift

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Source: http://loneswimmer.com/2012/10/18/summer-swimming-on-the-copper-coast-4-and-were-done/

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Iraq says signs contract for 18 F-16 fighter jets

BAGHDAD (Reuters) - Iraq has signed a new contract to buy its second set of 18 F-16 fighters from the United States, part of a deal to purchase 36 of the jets to rebuild its air force, Iraq's acting defense minister said on Thursday.

Baghdad signed an initial deal for the first set of 18 jets in September last year valued at roughly $3 billion and those aircraft are scheduled to be delivered by September 2014 with the second batch due four years later.

"We signed the contract ... The (new) contract is no different from the first contract in terms of the technical and financial details," acting Defense Minister Sadoun al-Dulaimi said after a meeting U.S. officials in Baghdad. "This handover will be finished in 2018."

Duliami said Iraq was also talking with U.S. officials about buying air defense systems and Apache helicopters.

A U.S. embassy spokesman in Baghdad said the U.S. government had presented Iraq with a letter of acceptance for the second set of fighters and were awaiting confirmation of agreement.

"The United States would welcome Iraqi acceptance as another important step in our growing bilateral security assistance relationship," the spokesman said.

Iraq has had no real air force since the 2003 U.S.-led invasion that toppled Saddam Hussein. Washington has signed around $12 billion in recent arms deals with the Iraqi government to build up its armed forces.

Baghdad, which has also signed military contracts with Russia and the Czech Republic this month, says it will not be able to defend its airspace until 2020.

The new U.S. deal and the purchase Czech jets come as Iraqi Prime Minister Nuri al-Maliki faces pressure from Washington to prevent Iran transporting arms through Iraqi airspace to help Syrian President Bashar al-Assad.

(Reporting by Suadad al-Salhy; Writing by Patrick Markey; Editing by Andrew Heavens)

Source: http://news.yahoo.com/iraq-says-signs-contract-18-f-16-fighter-201010882.html

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Venture-capital investments in state sag for third quarter | Business ...

Originally published October 17, 2012 at 12:03 AM | Page modified October 17, 2012 at 6:36 AM

Venture-capital investment in Washington companies sagged in the third quarter, according to a report to be released Wednesday by research firm CB Insight.

The state logged 24 deals last quarter totaling $132.49 million, the firm reported, down from 32 deals and $312 million in the second quarter.

Information technology continued to dominate the local venture-funding landscape, with Internet and telecommunications (including mobile) companies receiving the most attention and cash. Mobile and telecommunications companies got about $33 million in four deals during the quarter, while Internet companies received about $22.5 million in seven deals.

Healthcare was the state?s other significant venture sector, with six deals totaling about $18.5 million.

One of the largest local deals last quarter involved Seattle-based Impinj, which makes chips for ultra-high-frequency radio ID tags. In July, the company canceled its dormant IPO filing, instead raising about $24 million privately.

Other significant recent deals include Seattle-based Discovery Bay Games, which raised $15 million in August; Redmond-based Kymeta, a spinout of Intellectual Ventures, which raised $12 million in August; and cloud-computing company Tier 3 of Bellevue, which raised $10 million last month.

Just over half of the Washington deals last quarter were early-stage, though they only took about $50 million altogether. That was the smallest early-stage share in the past five quarters, according to CB Insight?s data.

So far this year, according to CB Insight, there have been 84 venture deals in Washington worth a total of $650 million.

The CB Insights report is one of several to track the somewhat opaque world of venture capital. PricewaterhouseCoopers and the National Venture Capital Association produce the ?MoneyTree Report?; Dow Jones VentureWire conducts its own survey.

Nationally, the firm reported 835 venture deals worth a combined $7.45 billion, down from 812 deals worth $8.1 billion in the second quarter. The smaller average deal size reflected what CB Insights called ?an insatiable VC appetite for making small seed investments in fledgling companies.?

Washington ranked sixth among the states in number of venture deals last quarter and ninth in their dollar value. California, as always, was far ahead of everyone else, accounting for 366 deals and more than half the quarter?s total venture investment. While 2012 deal volume through the third quarter is running ahead of last year?s pace, the total funding level is down about $1.6 billion to date.

?Overall, 2012 looks like it will be a down year for VC funding relative to 2011, barring a freakish fourth-quarter rally,? the firm said in its report.

Drew DeSilver: 206-464-3145

Source: http://seattletimes.com/html/businesstechnology/2019448750_venturenumberscbinsightsxml.html?syndication=rss

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Leaves of carob tree, source of chocolate substitute, fight food-poisoning bacteria

ScienceDaily (Oct. 17, 2012) ? Leaves of the plant that yields carob -- the substitute for chocolate that some consider healthier than chocolate -- are a rich source of antibacterial substances ideal for fighting the microbe responsible for listeriosis, a serious form of food poisoning, according to a report in ACS' Journal of Agricultural and Food Chemistry.

Nadhem Aissani and colleagues explain that the increase in antibiotic-resistant bacteria has fostered a search for new natural substances to preserve food and control disease-causing microbes. They cite a need for new substances to combat Listeria monocytogenes, bacteria that caused food poisoning outbreaks in a dozen states with three deaths so far this year. Carob has attracted attention as a potential antibacterial substance, but until now, scientists had not tested it against Listeria. Carob may be best-known as a substitute for chocolate that does not contain caffeine or theobromine, which makes chocolate toxic to dogs.

Their report describes tests in which extracts of carob leaves proved effective in inhibiting the growth of Listeria bacteria growing in laboratory cultures. Further, it offers a possible explanation for the antibacterial action. The results were promising enough for the scientists to plan further tests of carob extracts on Listeria growing in meat and fish samples.

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Journal Reference:

1. Nadhem Aissani, Valentina Coroneo, Sami Fattouch, Pierluigi Caboni. Inhibitory Effect of Carob (Ceratonia siliqua) Leaves Methanolic Extract onListeria monocytogenes. Journal of Agricultural and Food Chemistry, 2012; 60 (40): 9954 DOI: 10.1021/jf3029623

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

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

Source: http://feeds.sciencedaily.com/~r/sciencedaily/health_medicine/nutrition/~3/IpmEl0dQOKo/121017141805.htm

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PH2: MotoGP Japan

Monday 15th October

Cal thumbs a lift while Danny Kent cracks open the champagne...

Usually PH2 kicks off with MotoGP, but after the Japanese GP at Motegi we have to give a huge congratulations to Brit Moto3 rider Danny Kent. First pole followed by first win and to top it all off not only did he sign for the Tech 3 Moto2 team he did it all at Honda?s home track. Top work young man, let?s hope that Tech 3 can turn around the chassis over winter to give Danny a competitive bike. MotoGP? Well what can you say? A hobbling Stoner made a reappearance at Japan but was unsurprisingly off the pace. Not only did this hamper his pace, it meant that he couldn?t challenge Lorenzo and therefore help his team mate Dani Pedrosa close the championship gap. A shame for the tiny (and usually miserable) Spaniard as well as race fans as Lorenzo looks like he is happily trailing Pedrosa home to get the points and therefore the championship. And who can blame him for that?

The Motegi MotoGP race followed form ? Lorenzo and Pedrosa hit the front, Lorenzo leads, Dani passes mid-race and Jorge happily follows him home. Behind them Bautista, Cal, Bradl and Dovizioso were squaring up for what looked like a decent scrap after Ben Spies? dismal 2012 season continued with an early exit. After stalking Bautista and sticking in some fierce moves in the closing laps, Cal looked on for his second podium of a cracking 2012 until disaster struck on his last lap and he ran out of fuel. Gutting, especially for his final points standings.

Moto2 and how the hell did Marquez not get nailed on the grid when he neutralled his bike on the line? Scary moments for everyone including the usually super cool Spaniard. But there is nothing more dangerous than a fired up Marquez and within a few laps he went from nearly last to top ten. At the front Scott Redding was giving it his all as usual but looked like he was struggling to hold the pace while Bradley Smith was forced to retire. Despite a comfortable championship lead, Marquez only knows one way to ride and with Pol Espargaro (his only title challenger) ahead the Spaniard still risked all to take the win. A lead of 53 points with 75 left to play for, the title is all but Marquez?, although that?s what it looked like last year?

Moto3 and once again great work Danny Kent. With six bikes all challenging for the lead, Kent hit the front at the right time after a cracking bit of last lap carnage. Would he have stuck behind his team mate and championship leader Cortese with the chance of a maiden win? Happily Danny didn?t have to make that decision and led Vinales home to take the flag while Cortese remounted to get a seriously angry sixth ? dry your eyes son, you are still odds on for the championship.

Source: http://www.pistonheads.com/news/default.asp?storyId=26517.htm

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Wilson leads Seattle past Patriots 24-23

SEATTLE (AP) ? Tom Brady and the best offense in the NFL got upstaged by an undersized rookie.

In the final minutes, it was Russell Wilson and the Seattle Seahawks making all the big plays.

Wilson found Sidney Rice behind the secondary for a 46-yard touchdown with 1:18 remaining, and the Seahawks rallied for 14 points in the final 7:31 to stun the New England Patriots 24-23 Sunday.

The matchup between the Patriots' No. 1 ranked offense and Seattle's No. 1 defense instead turned in to a starring performance for Wilson, and a shocking rally.

Wilson hit Braylon Edwards on fourth down for a 10-yard TD to get the Seahawks within 23-17. After a pair of holds by Seattle's defense, Wilson found Rice streaking open on a double move for his third touchdown pass of the game. Steven Hauschka's extra point gave Seattle (4-2) the lead with 78 seconds remaining.

Brady had a final chance to make up for all the opportunities the Patriots (3-3) squandered. Starting at his 20 with 1:14 left, Brady missed Brandon Lloyd, then was sacked by Jason Jones, the first sack all day by Seattle. His pass for Aaron Hernandez, back after being out since Week 2 with an ankle injury, was incomplete, and Wes Welker was stopped short on fourth down.

That gave former Patriots coach Pete Carroll one of his biggest pro victories.

Wilson finished 16 of 27 for 293 yards, the best day of his young career. He added Brady to an impressive list of quarterbacks he's topped this year: Tony Romo, Aaron Rodgers and Cam Newton.

Brady finished 36 of 58 for 395 yards and touchdown passes of 1 yard to Hernandez and 46 yards to Welker in the first half. Welker had 10 catches for 138 yards, his fourth straight game over 100. Brady topped 300 yards passing for the 49th time, but was intercepted in the second half by Richard Sherman and Earl Thomas after going 179 attempts without being picked off. One of Brady's interceptions came in the end zone, yet another squandered chance by the Patriots.

Seattle gained 158 yards in the first quarter then just 70 in the second and third quarters combined. But Wilson had a big rally left.

Stephen Gostkowski's third field goal, a 35-yarder, with 9:21 remaining gave the Patriots' a 23-10 lead, the third time New England settled for field goals. There was also a Patriots drive at the end of the first half when coach Bill Belichick opted to throw with 6 seconds remaining instead of kicking the field goal from the Seattle 3. Brady was flagged for intentional grounding and the ensuing time runoff ended the half.

Following Gostkowski's third kick, Seattle surpassed its entire second half offensive output when Wilson hit Tate for 51 yards and a roughing penalty on Brandon Spikes moved the ball to the Patriots 17. Facing fourth-and-3 at the 10, Wilson found Edwards, who entered the day with one catch since Week 1, in the end zone.

It was Edwards' first touchdown since the 2010 season with the Jets.

Seattle forced New England into its fifth three-and-out of the season and Leon Washington's 25-yard punt return gave the Seahawks possession at their 43 with 2:38 left. Marshawn Lynch, held to 41 yards on 15 carries, converted a third-and-1 and then Wilson hit Rice to give Seattle the huge win.

___

Online: http://pro32.ap.org/poll and http://twitter.com/AP_NFL

Source: http://news.yahoo.com/wilson-leads-seattle-past-patriots-24-23-232719959--spt.html

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Qatar FM calls on UN to back Syria rebels

TOKYO (AP) ? The United Nations should move quickly to assist rebel forces in Syria with arms and funding, and should support a no-fly zone to protect civilians caught in the middle of the country's escalating civil war, Qatar's foreign minister said in an interview Friday.

Khalid Bin Mohammad al-Attiyah said Qatar is providing rebels fighting Syrian President Bashar Assad's forces with food, medicine and clothes. But he denied reports his country is funneling arms to the rebels, and said getting them the heavy arms they need to fight Assad's well-equipped military would require unity from the international community that has not yet materialized.

"If we leave Syria further, we will aggravate the situation more and more," he said. "Fanatics will emerge. ... We should not leave it until a stage where, God forbid, somebody calls for jihad, and then we cannot stop people coming from all directions."

Qatar and Saudi Arabia have led Arab calls for an international effort to arm and assist the rebels. Both are key regional players and are believed to have channels through which they could funnel weapons to the rebels. But al-Attiyah said Qatar is not doing so, directly or indirectly.

"This we cannot do unless we have the blessing of the United Nations or our allies ? the U.S.A. or European allies," he said in an interview with The Associated Press during a visit to Tokyo on Friday.

Unified support from the international community has been elusive because fears that more arms thrown into the mix could push Assad to launch even more desperate attacks against his people, or that the weapons could fall into the hands of terrorists. Further, U.N. Security Council members Russia and China oppose intervention, while the United States has been cautious to take risks ahead of next month's presidential election.

Al-Attiyah said that while the rebel forces remain fractious ? his country is set to host a meeting of the Syrian National Council opposition leaders next week ? there is enough intelligence to determine which groups should be bolstered.

"I think if the international community, led by the United States, decided that they will supply means of self-defense to the Syrian people, I think with their advanced intelligence, they know who is who by now," he said.

To further protect Syrian civilians, al-Attiyah said, Qatar supports the creation of a buffer or no-fly zone, another idea that has stalled because of fears that the foreign countries called on to enforce it could be drawn into a broader war that would add to regional instability.

In the meantime, he said, arms are already flowing into Syria to prop up Assad.

On Thursday, Turkey said a Syrian passenger jet it forced to land en route from Moscow to Damascus was carrying Russian ammunition and military equipment destined for the Syrian Defense Ministry.

Russia and Syria deny anything illegal was aboard the Airbus A320 intercepted over Turkish airspace late Wednesday.

"The whole world sees who is supplying Syria with weapons," al-Attiyah said.

___

Associated Press writer Brian Murphy in Dubai, United Arab Emirates, contributed to this report.

Source: http://news.yahoo.com/qatar-fm-calls-un-back-syria-rebels-092916341.html

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Sony Vaio Duo 11 Is One Strange Windows 8 Hybrid [HANDS ON]

Sony Vaio Duo 11

The Sony Vaio Duo 11 has a folding design that puts the screen at a fixed angle in laptop mode. It's a strangely limiting choice, which also leaves no room for a touchpad.

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[More from Mashable: Microsoft Office App Coming to Android, iOS Next Year [REPORT]]

Sony is joining the Windows 8 world, upgrading its Vaio PCs to run Microsoft's new OS while throwing in a couple of surprises. Besides the unusual Tap 20 "portable" all-in-one, the new Vaio line includes a notebook/tablet hybrid and updates to existing Vaio lines.

The Vaio Duo 11, which Sony first unveiled in August, is a folding hybrid, but with an odd twist: You can only position the screen in two different ways: either flat over the keyboard or at about a 60-degree angle. That's it -- you can't position the screen at any other angle when working with the keyboard.

[More from Mashable: How the Lenovo Yoga Got Its Name]

While the PC has some nice qualities -- including an 11.6-inch screen, an easy-to-carry weight of 2.84 pounds, and a supplied stylus -- the design choice is strangely limiting and may alienate some users.

The Duo 11's design also creates another limitation: Since the screen's "SurfSlider" folding mechanism positions the base of the screen right above the function keys, there's no room for a touchpad. Instead there's a kind of touch-nub thingie, similar to what Lenovo includes on its ThinkPad laptops.

The Vaio's nub is actually much nicer to use, although I'd still prefer a touchpad. Not to mention more room between the keys and the screen. Otherwise the Duo 11 is a fine Windows 8 machine, though as designed it's definitely more tablet than notebook. It starts at $1,099.

SEE ALSO: Sony Unveils Sleek New Laptops, First Ultrabook

Sony is updating its existing Vaio lines to Windows 8 as well. The bargain E Series also adds a 17-inch model with a full HD display, starting at $729.99. The T Series Ultrabooks now sport touch screens, and Sony is adding a 14-inch model for $669.99. The S Series, which ranges from $799.99 to $1,199.99, is getting the Windows 8 treatment as well.

Finally there's the L Series all-in-one PC, which gets a 10-point touch screen as well, and starts at $1,199.99

How do you like the new Vaios, particularly the Duo 11? Think you'll get one? Let us know in the comments.

This story originally published on Mashable here.

Source: http://news.yahoo.com/sony-vaio-duo-11-one-strange-windows-8-222624136.html

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Contract Technical Writer, enterprise app dev doc, 12+ months, 60 ...

Job Code: CXW-314
Cash/Prizes: 1099 or corp-to-corp (or W2 by request)
Audience: Applications developers and professional services engineers configuring complex rules engines and UIs for enterprise risk-management apps
Location: Onsite in Foster City 3-4 days/week
Starts: ASAP
Duration: Full-time, 40 hrs/week, at least twelve (12) months
Relocation/Visa assistance: No
Representation: Principals only, please

Our innovative enterprise software client needs a long-term contract Technical Writer to create reference documentation for application developers and professional services experts integrating its powerful web-based risk-management tools.

You?ll work with local SMEs and use the products extensively, gaining a hands-on understanding of how parameters in the XML configuration files affect the UI, data model, and rules engine so they can work optimally with third-party applications and databases.

You?ll be part of a ten-person, senior-level technical writing team that sits with the developers and participates in daily stand-ups (although the writers aren?t yet in full Agile mode themselves). You?ll write simple code to test assumptions as well as short code examples to support your documentation. At least 75 percent of each release is original content; the rest is modifying and re-factoring existing material. In addition to developers, writers interact extensively with professional services and product managers, and monitor customer support forums, to stay focused on what users need.

The right person for this project needs solid experience with XML, Java, and documenting code, but must also want to understand the technology?s business functionality. This team needs not only strong API doc skills but also someone who can explain the purpose of the features they?re documenting. You must be able to answer questions about the technology you?ve used and documented.

Culturally, this company values tech writers who take the initiative, are forthcoming with ideas, welcome constructive criticism, and prefer mature, reasoned discourse and thoughtful solutions. They?ve got good processes, plenty of automation, a sustainable workload, and a lot of respect.

This will be full-time (40 hours/week), mostly onsite work in Foster City for at least 12 months. You?ll be able to work from home one and sometimes two days/week, but this will never become a fully ? or even mostly ? offsite project. You?d be paid on a 1099 basis, unless you prefer W2.

Regarding the length of the engagement, they?re happy to train you on their products but want to leverage that investment by having you stay at least a year (and perhaps much longer; one contractor has been there seven years).

Required:

• Solid experience creating original API documentation
• Proven ability to read Java or JavaScript code and work with XML and XSD files
• Working knowledge of object-oriented programming concepts, databases, and web applications
• Proven ability to figure out what complex enterprise products do, using cues (but not specs or even roadmaps) from SMEs, then explain them effectively to a busy, technically sophisticated reader
• Sharable, extensive (not 3-4pp) API writing samples and reachable references
• Full-time availability
• Ability to work in Foster City, CA (traveling at your own expense)

Desired:

• Experience documenting enterprise apps at Oracle, VMware, Salesforce, Splunk, Sun, or similar
• Formal training in computer science, engineering, or a similar technical discipline
• Proficiency with FrameMaker
• Experience with network protocols and standards such as web services interoperability and SOAP
• Background developing or QA?ing complex software

To apply:
Please visit contentrules.com/apply, citing ?CXW-314? in the Job Code field.

Note: Content Rules has many content-development opportunities with SF Bay Area technology companies. Visit www.contentrules.com/jobs for details.

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Source: http://www.contentrules.com/jobs/2012/10/11/contract-technical-writer-enterprise-app-dev-doc-12-months-60-80-onsite-in-foster-city-cxw-314/

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Women Entrepreneurs: Helping Other Women Succeed | Small ...

Are women more or less likely to help others of their gender get ahead at work? A Catalyst study done earlier this year asked both men and women about the kinds of mentoring and assistance they?d received. Overall, more than half (59 percent) had received either informal or formal mentoring.

What?s interesting is that women who had been mentored were more likely than men to be ?paying it forward? to the next generation of emerging leaders at work. Sixty-five percent of women, vs. 56 percent of men, were doing so. And 73 percent of those women were mentoring other women.

The Catalyst report focused on executives in big corporations (the men and women were all MBA grads who had been identified as having ?high potential? before earning their degrees). But I believe the value of helping other women applies, whether you?re an employee or an entrepreneur.

First, there?s financial value. Catalyst found both men and women who mentored others earned an average of $25,075 more between 2008 and 2010 than those who did not, even when the study controlled for other factors. For employees, helping others achieve clearly leads to greater career success and consummate rewards. But for business owners, mentoring others so they achieve more also leads to greater financial success for your business.

Of course, for entrepreneurial women, there?s also loyalty at stake.

Think about it: An employee who gets support, encouragement and guidance from you about how to improve in his or her job is more likely to be loyal to your business, rather than ready to bolt at the first opportunity.

Finally, and maybe most important, for women business owners mentoring isn?t just about mentoring your employees. For us, mentoring the next generation of leadership also means looking outside our own businesses and encouraging young women and girls to learn more about entrepreneurship.

I was fortunate to have entrepreneurial role models in my family?my dad, who owned a small business, was a huge influence in my life. But ?entrepreneurship? was a word you barely heard when I was a kid. And even now, when young people are acutely aware of entrepreneurial role models like Steve Jobs or Mark Zuckerberg, most of the focus is on tech startups, where women are still underrepresented.

There are many ways you can be a mentor and role model to younger women. Involve your daughters or nieces in your business. Find a younger entrepreneur you connect with through social networks like Twitter and Facebook. Or get involved with an official organization like Junior Achievement or the Collegiate Entrepreneurs? Organization.

The coolest thing about mentoring younger people is while in the past, the relationship might have been more one-way, today?s young women have a lot to teach older entrepreneurs about technology, social media and more.

If you get involved with mentoring, you?ll gain as much as you give.

Mentoring Photo via Shutterstock

About Rieva Lesonsky

Rieva Lesonsky is CEO of GrowBiz Media, a media company that helps entrepreneurs start and grow their businesses. Visit her blog, SmallBizDaily. Visit her website SmallBizTrendCast to get the scoop on business trends and sign up for Rieva?s free TrendCast reports.

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Source: http://smallbiztrends.com/2012/10/women-entrepreneurs-helping-other-women-succeed.html

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FreedomPop Provides Free Wireless Internet Access You Can Take (Almost) Anywhere [Stuff We Like]

FreedomPop offers free internet access over Sprint's WiMax network. You're limited to 500MB per month, and you have to cough up a refundable deposite for a mobile hotspot or USB adapter, but it costs you nothing when all is said and done.

Of course, if you want more than 500MB of data per month you can pay for it. Excess data costs $0.02 per megabyte and you can purchase a 2GB or 4GB plan for $18 or $28 a month (respectively). Whether you're using the free plan or the paid plan, it's cheap all around. That all sounds great, but how well does it work? Developer Lee Fyock tried it out and concluded it worked well in some cases but not in others:

The FreedomPop performs as advertised. It provides a fast internet connection, in areas of coverage. Sadly, the coverage is definitely lacking, at least in my stomping grounds. Also, the amount of data I used came as a surprise. Also, I was unable to use the hotspot for the one task I was most interested in: VoIP calls. Don't forget though, that the FreedomPop service is free. "Free" goes a long way.

For more information, read Lee's full review. He achieved pretty good speeds despite inconsistent coverage. While FreedomPop may not be a great way to replace your existing internet access, it looks like a great supplement for emergencies and travel purposes.

FreedomPop (Free) | via Lee Fyock via MacLife

Source: http://feeds.gawker.com/~r/lifehacker/full/~3/uavEI0HjBVI/freedompop-provides-free-wireless-internet-access

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How To Give Constructive Criticism - Business Insider

Instantaneous technology has changed the way we communicate in the workplace.

Instead of yearly reviews, employees now want feedback and they want it often ? especially the younger workers.

"Communication is a big piece to what Gen Y-ers are looking for when it comes to relationships with their managers,"?Dan Schawbel, career expert and founder of?Millennial Branding, a Gen Y research and management consulting firm, told us.

Workers need to be able to discuss things with their bosses ? even if it's negative,?said?Nate Bagley, the director of communications at?The Bold Academy, but the problem is, not?everyone knows how to give ? or accept ? feedback if it's negative.

And this is a huge waste of time because ineffective communication solves nothing.?

Bagley said that most of the time, senior leaders ask for feedback, but only if it's something that already resonates with them. However,?in order to be an effective leader, Bagley said you need to have a "boss' mentality," meaning you need to learn how to give and accept constructive criticism.

"You need to learn how to separate your emotional feelings from your professional responsibilities."

Bagley shared with us his method for giving?constructive criticism:

1. Tell them how they're doing well.

2. Tell them what they need to improve.

3. End the conversation by telling them how they're doing well again.?

And to accept criticism, ask for examples.

Bagley said that if?an employee?has complained that you're micromanaging them, respond by asking them to take a day or two to come up with specific examples of you micromanaging and ask what actions they want you to take instead of the action that did occur.?

"Often we look at 'manager' as being a title, but it's also a whole new skillset," Bagley said. "You need to learn how to manage people with different personalities."

"When you understand how people work and how they want you to communicate with them, then you can be a better manager.?If you're having issues with your employees,?ask them what they don't like about their jobs and don't be offended when it's not what you want to hear."

Source: http://www.businessinsider.com/how-to-give-constructive-criticism-2012-10

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Verizon confirms Motorola RAZR HD and RAZR MAXX HD available October 18th

When Verizon said the RAZR HD and RAZR MAXX HD would be out before the holidays, it wasn't kidding. October the 18th is the big day if you're after some of the sharp-sounding Motorola action. The 8-megapixel, NFC-enabled RAZR HD , if you recall, sports a 4.7-inch 720p display, running ICS (Jelly Bean update in the works) on that dual-core S4 chip. If you cast your memory back once more, you'll remember that the RAZR MAXX HD has the same sized screen, but the real killer feature is that 3,300 mAh battery. The RAZR HD will set you back $200, in either black or white with 16GB storage, the MAXX, however will run you an extra $100, and has double the storage. So, which one gets your money?

Filed under: Cellphones, Mobile, Microsoft, Verizon

Verizon confirms Motorola RAZR HD and RAZR MAXX HD available October 18th originally appeared on Engadget on Thu, 11 Oct 2012 12:07:00 EDT. Please see our terms for use of feeds.

Permalink   |  Verizon  | Email this | Comments

Source: http://www.engadget.com/2012/10/11/verizon-confirms-razr-hd-and-razr-maxx-hd-available-october-18th/

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Bankers growing more worried about student loans

By Allison Linn, TODAY

Here?s the good news: Bankers seem pretty confident that most Americans will continue to pay off most of their consumer debt on time.

Here?s the bad news: They?re not nearly as optimistic about Americans? ability to deal with ballooning student loan debt.

A new quarterly survey of U.S. banks? risk managers finds that more than six in 10 expect student loan debt delinquencies to increase in the next six months. Only about 13 percent expect delinquencies to decrease.

The survey of 215 risk managers, released Tuesday by the credit risk analysis firm FICO, shows that student loan delinquencies have been worrying bankers for most of the year. Nearly 64 percent of the bankers surveyed in the previous quarter had predicted an increase in student loan delinquencies, and about half were expecting such a rise when the survey was conducted in the first three months of the year.

The survey found that bankers were much more optimistic about Americans? ability to pay off other types of debt.

About two-thirds of the bankers surveyed said they expected delinquency rates on credit card debt to stay the same or go down in the next six months. About three-fourths were expecting delinquency rates for car loans and residential mortgages to stay flat or go down.

Despite worries about rising student loan debt, it appears Americans are continuing to borrow heavily to fund their education. On Friday, the Federal Reserve reported that consumer credit for things like car and student loans rose by nearly $14 billion in August from July. In total, U.S. consumer credit rose by more than $18 billion in August.

Financial experts have traditionally said that it?s OK to borrow some money to pay for college because the investment should pay off with higher earnings and more stable employment. In recent years, many adults also have flocked back to school in the hopes that more education would give them an edge up in a tight job market that increasingly prizes specialized skills.

But the high cost of college and easy access to student loans have left some Americans deeply burdened by debt.

According to the College Board, for students who received a bachelor's degree in the 2007-08 academic year, the median debt load was about $7,960 for public institutions, $17,040 for private, not-for-profit institutions and $31,190 for-profit institutions. The figures include students who graduated with no debt.

Related:

Student loans, backed by government, crushing families?

?Economy leaves many returning students disappointed, deep in debt

Loving the job, but hating the student loan debt

{"contentId":"14322987","totalVotes":"17078"}

How worried are you about student loan debt?

Source: http://lifeinc.today.com/_news/2012/10/10/14322987-bankers-growing-more-worried-about-student-loans?lite

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Evolve dives in ? Crystal clear future for Australian swimming pools

Clontarf based Evolve Composites Pty Ltd (Evolve) today announced the addition of Poolrite?s Magnapool product range to their ever growing stable of quality innovative products.

The company has the exclusive rights to manufacture, market, sell and distribute the Magnapool range of mineral water swimming pool equipment and associated Poolrite products.

Evolve is based in Brisbane and manufactures and distributes the Australian-made Polyslab and Evo-Crete range.

Evolve has an extensive distribution network and well established sales and marketing channels into the largest wholesale and retail plumbing, irrigation and home improvement stores across Australia, New Zealand and the USA.

Evolve managing director Ty Hermans continues to buck the growing trend which has seen manufacturing move offshore. Evolve will continue to use its business model which focuses on Australian-made products, through innovative design and manufacturing, using Australia?s largest wholesalers and retailers as distributors.

?We are proud to ensure the ongoing supply of Australian-made Magnapool and Poolrite products well into the future,? said Mr Hermans.

Magnapool was started in 2005 by entrepreneur Ross Palmer and, with over 7000 Australian swimming pool installations using the mineral science therapy, Magnapool went on to find success in international markets.

?Evolve shares similar philosophies with Mr Palmer and Magnapool in regard to continued innovation and its critical importance to the ongoing development of Australia?s economy and export opportunities.?

Evolve will immediately start production to ensure that all customers receive stock.

?Leading up to what looks like a nice and hot summer we want to make sure that existing Magnapool owners have all the supplies they need to ensure their pool is crystal clear for the holiday season,? said Mr Hermans.

?All of our plans are long-term for the ongoing success of the Magnapool range of products. Most importantly, the changes that are made now will ensure that the business is even bigger in years to come. We have plans for rapid growth both here in Australia but also internationally through our vast distribution network.

?Mineral pools offer considerable benefits over conventional chlorine and saltwater systems. We believe that every pool owner in Australia should have access to the Magnapool system and we now look forward to expanding its market and making this possible.?

Queensland will benefit from the expected growth with additional jobs created in the future with Evolve as all manufacturing operations are planned to remain in Brisbane.

Source: http://www.redcliffecitynews.com.au/evolve-dives-in-%E2%80%93-crystal-clear-future-for-australian-swimming-pools/

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Today's Smartphone Cameras Are Already Better Than Point-and-Shoot Cameras from 5 Years Ago [Cameras]

The saying is that the best camera is the one that's with you and that's more than often your phone. But phone cameras are getting so good that they may eventually just became the best camera period (DSLRs notwithstanding). And it might be sooner than you think. Already, phone cameras are better than a 5-year-old compact camera. More »

Source: http://feeds.gawker.com/~r/gizmodo/full/~3/fDDIbMedods/todays-smartphone-cameras-are-already-better-than-point+and+shoot-cameras-from-5-years-ago

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Adult Music Lessons Create New Horizons In Westerville | NBC 4i

New Horizons is the only program of its kind in central Ohio. Anyone age 50 or up who wants to get back into the band or orchestra, or?start an instrument for the very first?time,?can join.

WESTERVILLE, Ohio --

It happens all the time; you play a musical instrument in elementary school, maybe junior high. Then you shove it in your closet and forget about it. A program in Westerville is letting people pick back up right where they left off -- decades later.

It's the only program of its kind in Central Ohio. The model works like this: anyone age 50 or up who wants to get back into the band or orchestra -- or play for the first time ever --?can join.

They want you to drop the apprehension at the door and play like you know what you're doing, even if you feel like you don't.?

Wes Miller is the owner of the Columbus Music Academy and helped start the program a few years ago. It's grown from three members to 16. Former music teacher Dee Smith was one of the first to join.

?I was a piano player,? Smith said. ?I majored in piano at college and I just realized as I got ready to retire, I?ve never been in a band."

So at age 63, she picked up the clarinet for the first time ever, seeing this as the right time and place to try.

?I just always have felt safe and so even though I hadn't played a clarinet before it was just fun and easy and I knew if I had mistakes it was OK," she said.

Mary Lee Bendig, on the other hand, decided she wanted to re-visit an old friend. She picked up her bow for the first time in decades.

?When I got to high school, I decided I was too mature for the violin. I was going to be a majorette," Bendig said.

Now, her re-discovered love for music serves as an escape.

"I work full-time and still try to get everything done. Family, elderly mother, grandkids, kids. So it's a time that I can just stop the merry-go-round, get off and have some fun," she said.

Both ladies also credit the program with health benefits. Bendig is seeing her bone spurs improve and Smith is hoping to counteract the effects of Alzheimer?s -- a disease her mother is battling.

Whatever the reason for joining, Miller is just hoping more people give it a chance.

"The model of New Horizons is your best is good enough,? said Miller. ?There?s a lot of apprehension in how they think they'll sound and that is not a worry."

The New Horizons rehearse Thursday afternoons at one. It's $85 for an eight-week session. ??

For additional information, stay with NBC4 and refresh nbc4i.com.
To submit a story idea or news tip, e-mail stories@nbc4i.com.
MORE: NBC4 Local News | Local Crime News
NBC4 SPORTS: Sports News, Video
NBC4 POLITICS: Headlines, Interactives & Video

Source: http://www2.nbc4i.com/news/2012/oct/10/adult-music-lessons-create-new-horizons-westervill-ar-1200785/

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4 Tips to Ensure a Smooth Mortgage Loan Process | Life'd

• 

With mortgage interest rates hovering between 3.5% and 4%, there has never been a better time to move up or jump into homeownership. The interest rate on your home loan dictates your monthly mortgage obligation, and when rates drop, you can lock in a low, affordable payment. But while low rates entice many to take out a loan, getting a mortgage approval is easier said than done.

The aftermath of the great mortgage crisis of 2007-2008 led to tighter lending guidelines, in which lenders went from one extreme to another. Anyone with a pulse could qualify for a mortgage before the crisis, whereas now you have to practically jump through hurdles.

Although tighter lending slows the path to homeownership ? with mortgage lenders rejecting between 26% and 50% of mortgage applications ? you shouldn?t let these figures scare you. The mortgage industry isn?t completely dead and many properties are sold each day.

To ensure a smooth, uncomplicated process, you have to know and give lenders what they want.

1. Get Your Credit Straight

Don?t even think about applying for a home mortgage loan with a credit score under 620. This is the absolute minimum to qualify for a home loan, wherein an FHA mortgage is your best bet. Conventional mortgage lenders require a credit score of 680 or higher, with a score of 720+ commanding the most favorable interest rates. Fortunately, there?s plenty you can do to give your credit a boost.

• Order your credit report from AnnualCreditReport.com and check for errors. Contact creditors to have errors removed from your report, or file a dispute with each of the three credit bureaus.
• Always pay your creditors on time. Late or missed payments can be the kiss of death when applying for a home loan, and many lenders only allow one 30-day late payment in a 12-month period.
• Pay off your credit cards and loans. This is by far the fastest and simplest ways to add points to your credit score. Even if you can?t pay the balance in full, start doubling or tripling your payments to widen the gap between what you owe and your credit limit.
• Read our Credit Score Blueprint

2. Get Your Documentation in Order

Lenders want to see proof (and more proof) of your financial history. This includes tax returns for the past two years, bank account statements and your recent paychecks. Yes, it?s a hassle to gather and make copies of these documents, but it?s necessary in order for lenders to assess your financial stability. Mortgage lenders will go to great lengths to avoid past mistakes, even if it means scrutinizing income records and denying otherwise qualified applicants for lack of financial documentation or gaps in their employment history.

3. Reduce Your Debt-to-Income Ratio

Paying down credit cards and loans not only give your personal score a boost, it also lowers your debt-to-income ratio and improves your odds of getting a home loan. Mortgage lenders factor in how much you currently owe. They?ll take the minimum payments for all your balances and weigh this against your gross monthly income.

As a rule, debt payments (including your home loan) cannot exceed 36% of your gross monthly income. This isn?t a hard and fast rule, and some lenders allow debt percentages as high as 41%. However, if you want to guarantee a home loan approval, pay down your existing debts and don?t take on new debts until after you?ve closed on your mortgage loan.

4. Save Your Cash

If you?ve never purchased a home, or if it?s been four or five years since your last purchase, you might not be up to speed with the latest cash requirements. Just a few short years ago anyone could walk into a mortgage lender?s office, sign their name and purchase a house with very little out-of-pocket. Maybe they paid cash for a home appraisal or a home inspection. But as far as down payments and closing costs, these were practically extinct. Lenders offered 100% financing, and when a seller didn?t pay a buyer?s closing costs, lenders simply rolled these fees into the loan.

Fast forward to present day and it?s a completely different story. Mortgage lenders no longer front the entire cost of a home purchase, but now require a minimum down payment between 3.5% and 5%. Yet, the costs don?t stop here. You also need money for your closing costs, which can fall between 3% and 5% of the purchase price. All in all, mortgage-related fees can run upwards of 10% of the purchase price.

Source: http://www.lifed.com/4-tips-to-ensure-a-smooth-mortgage-loan-process

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Video: A life behind bars for Sandusky?

>>> a pennsylvania judge has told jerry sandusky that he will spend of the rest of his life in jail . he was sentence this had northern to a minimum of 30 years, maximum of 60 on 45 counts of child molestation. when handing down that sentence, the judge said, quote, the tragedy of this crime is that it is a story of betrayal. the crime is not only what you did to their bodies but what you did to their psyches and souls. joining me now is mark brennan who covers penn state . on his website fightonstate.com, he was in the courtroom today. mark, it's good to see you. obviously this story is never easy to discuss, but does this in some ways -- i hate the notion of closure, because it's not like you wake up and something suddenly goes away. does this help at all now that jerry sandusky will likely spend of rest of his life in jail ?

>> yeah. you talk about a 30 to 60-year sentence. it might as well be 300 years. if penn state fans have one concern, they think only 30 years? most people realize it's for the rest of his life. the real odd thing today, every time this guy opens his mouth, whether it was costas last november or the radio thing yesterday or whether it was today, he just looks more and more guilty. we could see why he wasn't on the stand at his trial.

>> you know, we heard people talk about perhaps a smirk on his face inside the courtroom before the sentencing he had this statement saying that the only person that he'd had, you know, sexual relations with was his wife during their marriage and she's still by his side. what is the large opinion at this point now that he's been convicted, no that he's been sentenced, when you talk to the kids and the benefactors, the people who still donate to the university? what is the larger feeling there?

>> you mentioned that sense of closure, and we know that we still have the tim occcurl dey and schwartz trials and mcqueary is suing the university. none of this is done. where this adds closure is with jerry sandusky who was the monster to everybody in this whole thing. i mean, as many mistakes as other people made along the way to whatever extent, i think everybody is happy to see justice was done and this guy is in jail for the rest of his life.

>> victim four who was abused in the late '90s gave the statement, i do not forgive you. i do not know that i'll ever forgive. my only regret is that i did not come forward sooner. that was one of the victims there. real quick, the assistant coach who saw the boy being sexually abused in that shower, he is trying to get some kind of protection under the whistleblower law. what's the latest there?

>> yeah. he's suing penn state for $4 million because he thinks he was wrongfully terminated and didn't get the benefits he deserved and that he was treated improperly by the university. he reported up the chain, and we're talking about mike mcqueary , the former assistant coach, he reported to his svr, who was joe paterno who reported to their svrs. the argument from a lot of people, it's a very polarizing debate is at what point do you stop worrying about reporting to your supervisor and go straight to the police?

>> mark brennan , thank you very much for reporting on the latest on what happened in that courtroom today. thank you.

Source: http://video.msnbc.msn.com/newsnation/49348041/

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