Monday, October 29, 2012

MONEY? News ? StarKart and the NALA Offer Small Businesses a ...

Los Angeles, CA (PRWEB) October 27, 2012

This is StarKart and the NALA?s debut at the Small Business Expo, an expo for small business owners. The Small Business Expo holds workshops and seminars in addition to their exhibition hall where business owners can learn from exhibitors about new products and services and discover new technologies, all designed to help the business grow.

NALA?s VP of Operations, Jeff Velis said ?We are excited to be participating in this year's Expo as a new exhibitor. We look forward to informing the attendees on ways to help them increase exposure within their local community and promote shopping local.?

StarKart and the NALA both focus on helping local businesses attract new customers and keep existing ones through successful branding/advertising programs. StarKart is the leading shopping cart advertising company in the U.S. and Canada. Since 2004, StarKart has helped local businesses through a successful grocery cart advertising program in more than 12,000 locations. Their partnership with top retail chains such as Safeway, Kroger, Fry?s, Harris Teeter, Vons, Ralph?s, Smith?s, Family Dollar, Sears Grand, and Kmart delivers outstanding advertising results.

The NALA?s(National Association of Local Advertisers) passion is making a difference for local business owners by increasing awareness through online branding/advertising programs, business discounts, member education and useful resources in an affordable, easy to use service. In addition, the NALA believes in giving back by connecting local business owners to well-run charities that help others through their charity program.

For more information about StarKart or the NALA, please visit http://www.starkart.net, http://www.thenala.com or call 866-767-3238.

About StarKart and the NALA?
StarKart is the leading shopping cart advertising company in the U.S. and Canada offering a grocery cart advertising program in over 12,000 locations. The founders created the concept of local grocery store advertising and now 25 years later, StarKart is still the leader in shopping cart advertising in North America.

The NALA (National Association of Local Advertisers), a small business association, is for local business owners offering new online advertising & small business marketing tools, great business benefits, education and money-saving programs, as well as a charity program.

PR Contact: Tiffani Tendell
805.650.6121, ext. 361
ttendell(at)thenala(dot)com

Read the full story at http://www.prweb.com/releases/2012/10/prweb10061102.htm

Source: http://money.ca/money/2012/10/27/starkart-and-the-nala-offer-small-businesses-a-chance-to-win-500000-banner-ads-at-los-angeles-small-business-expo/

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Thursday, October 25, 2012

Feds investigate phony letters warning Florida voters they're not eligible to vote

By Michael IsikoffNBC News

The FBI and U.S. Postal Service agents are investigating bogus official-looking letters sent to voters in at least 28 Florida counties questioning their citizenship and their eligibility to vote, ?NBC News has learned.

David Couvertier, a spokesman for the FBI in Tampa, said his office opened up an investigation into the possible attempt at voter intimidation on Wednesday after receiving reports that eligible voters throughout the state have received the letters.?

"We're taking it as a serious situation," he said. "We're looking at everything from civil rights violations to election fraud -- to everything in between."


Chris Cate, a spokesman for the Florida Secretary of State's Office, told NBC News, "We believe these? letters appear to meet the standard of voter intimidation," Between 50 and 100 such letters have been reported to state officials so far, "and those are only the ones we know about. We're encouraging people to come forward."

The fake letters, which first started showing up last Friday, have been sent under the names of real Florida county election supervisors -- with some correct contact information -- informing the voters that the supervisors have received "information" about their citizenship status,? "bringing into doubt your eligibility as a registered voter."

The letters also say the voter must fill out a Voter Eligibility Form in the next 15 days -- and failure to do so will result "in the removal of your name from the voter registration rolls and you will no longer be eligible to vote."

"A non-registered voter who casts a vote in the state of Florida may be subject to arrest, imprisonment, and/or other criminal sanctions," the letters state.

Some of the letters have been received by "longtime, staunch voters who have been exercising their right to vote" for years, Couvertier said. While those people are likely to vote anyway, "Our concern is someone who might not be secure and then questions whether they should vote."

It's not clear who sent the letters, which were machine postmarked in Seattle. Couvertier said the FBI in Tampa is working with its Seattle office to track down the perpetrator.

Cate said a "significant majority have gone to Republican voters, but not exclusively. We've got Democrats who received the letters, we've got independents. We're telling everybody to be on the lookout."

Michael Isikoff is NBC News national investigative correspondent.

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    Source: http://openchannel.nbcnews.com/_news/2012/10/24/14677602-feds-investigate-phony-letters-warning-florida-voters-theyre-not-eligible-to-vote?lite

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    A 'nanoscale landscape' controls flow of surface electrons on a topological insulator

    A 'nanoscale landscape' controls flow of surface electrons on a topological insulator [ Back to EurekAlert! ] Public release date: 25-Oct-2012
    [ | E-mail | Share Share ]

    Contact: Ed Hayward
    ed.hayward@bc.edu
    617-552-4826
    Boston College

    Stripe-like contours on a surface modulate electrons that behave like light

    CHESTNUT HILL, MA (October 25, 2012) In the relatively new scientific frontier of topological insulators, theoretical and experimental physicists have been studying the surfaces of these unique materials for insights into the behavior of electrons that display some very un-electron-like properties.

    In topological insulators, electrons can behave more like photons, or particles of light. The hitch is that unlike photons, electrons have a mass that normally plays a defining role in their behavior. In the world of quantum physics, where everyday materials take on surprising and sometimes astonishing properties, electrons on the outer surface of these insulators behave and look uncharacteristically like light.

    These unique properties have piqued the interests of scientists who see future applications in areas such as quantum computing and spintronics, or other realms rooted in the manipulation of electronic properties. The early challenge to those researchers is to begin to understand some simple ground rules for controlling these materials.

    Boston College researchers report that the placement of tiny ripples on the surface of a topological insulator engineered from bismuth telluride effectively modulates so-called Dirac electrons so they flow in a pathway that perfectly mirrors the topography of the crystal's surface.

    Associate Professor of Physics Vidya Madhavan and Assistant Professor of Physics Stephen Wilson report in the current online edition of Nature Communications that scanning tunneling microscopy is capable of revealing the characteristics of these tiny waves as they rise and fall, enabling the researchers to draw a direct connection between the features of the ripples and modulation of the waves across the material's surface.

    Instead of chaotic behavior, the electrons flow in a path that mirrors the metal composite's surface, the team reports in an articled titled "Ripple-modulated electronic structure of a 3D topological insulator."

    "What we've discovered is that electrons respond beautifully to this buckling of the material's surface," said Madhavan, the project director.

    So harmoniously do the waves flow across the ripples placed approximately 100 nanometers apart that the researchers say further modifications of the crystal's "nanoscale landscape" could produce enough control to produce a one-dimensional quantum wire capable of carrying current with no dissipation.

    The rippled surface appears to exert greater control and run less risk of creating imperfections than other methods, such as introducing chemical dopants, used in attempts to modulate the flow of electrons on the surface of other topological insulators, the researchers found.

    Madhavan said the team had to provoke the electrons, which lay placidly atop the surface-state of the insulator, much like the glassy surface of an undisturbed lake. The team disrupted the electrons by introducing impurities, which had an effect similar to that of dropping a stone in a calm lake. This provocation produced waves of electrons that behave like waves of light as they travel pathways that mirror the contours created in the crystal.

    "We did not expect the electrons to follow the topography," said Madhavan. "The topography imposes a sinusoidal potential upon the waves. The ripples create that potential by giving the electrons a landscape to follow. This is a way of possibly manipulating these electrons in topological insulators."

    ###

    In addition to Madhavan and Wilson, the project team included post-doctoral researcher Yoshinori Okada and graduate students Wenwen Zhou, Daniel Walkup and Chetan Dhital.

    NOTE: The report "Ripple-modulated electronic structure of a 3D topological insulator" can be cited via a digital object identifier (DOI) number. The DOI for this article is 10.1038/ncomms2150.


    [ Back to EurekAlert! ] [ | E-mail | Share Share ]

    ?


    AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.


    A 'nanoscale landscape' controls flow of surface electrons on a topological insulator [ Back to EurekAlert! ] Public release date: 25-Oct-2012
    [ | E-mail | Share Share ]

    Contact: Ed Hayward
    ed.hayward@bc.edu
    617-552-4826
    Boston College

    Stripe-like contours on a surface modulate electrons that behave like light

    CHESTNUT HILL, MA (October 25, 2012) In the relatively new scientific frontier of topological insulators, theoretical and experimental physicists have been studying the surfaces of these unique materials for insights into the behavior of electrons that display some very un-electron-like properties.

    In topological insulators, electrons can behave more like photons, or particles of light. The hitch is that unlike photons, electrons have a mass that normally plays a defining role in their behavior. In the world of quantum physics, where everyday materials take on surprising and sometimes astonishing properties, electrons on the outer surface of these insulators behave and look uncharacteristically like light.

    These unique properties have piqued the interests of scientists who see future applications in areas such as quantum computing and spintronics, or other realms rooted in the manipulation of electronic properties. The early challenge to those researchers is to begin to understand some simple ground rules for controlling these materials.

    Boston College researchers report that the placement of tiny ripples on the surface of a topological insulator engineered from bismuth telluride effectively modulates so-called Dirac electrons so they flow in a pathway that perfectly mirrors the topography of the crystal's surface.

    Associate Professor of Physics Vidya Madhavan and Assistant Professor of Physics Stephen Wilson report in the current online edition of Nature Communications that scanning tunneling microscopy is capable of revealing the characteristics of these tiny waves as they rise and fall, enabling the researchers to draw a direct connection between the features of the ripples and modulation of the waves across the material's surface.

    Instead of chaotic behavior, the electrons flow in a path that mirrors the metal composite's surface, the team reports in an articled titled "Ripple-modulated electronic structure of a 3D topological insulator."

    "What we've discovered is that electrons respond beautifully to this buckling of the material's surface," said Madhavan, the project director.

    So harmoniously do the waves flow across the ripples placed approximately 100 nanometers apart that the researchers say further modifications of the crystal's "nanoscale landscape" could produce enough control to produce a one-dimensional quantum wire capable of carrying current with no dissipation.

    The rippled surface appears to exert greater control and run less risk of creating imperfections than other methods, such as introducing chemical dopants, used in attempts to modulate the flow of electrons on the surface of other topological insulators, the researchers found.

    Madhavan said the team had to provoke the electrons, which lay placidly atop the surface-state of the insulator, much like the glassy surface of an undisturbed lake. The team disrupted the electrons by introducing impurities, which had an effect similar to that of dropping a stone in a calm lake. This provocation produced waves of electrons that behave like waves of light as they travel pathways that mirror the contours created in the crystal.

    "We did not expect the electrons to follow the topography," said Madhavan. "The topography imposes a sinusoidal potential upon the waves. The ripples create that potential by giving the electrons a landscape to follow. This is a way of possibly manipulating these electrons in topological insulators."

    ###

    In addition to Madhavan and Wilson, the project team included post-doctoral researcher Yoshinori Okada and graduate students Wenwen Zhou, Daniel Walkup and Chetan Dhital.

    NOTE: The report "Ripple-modulated electronic structure of a 3D topological insulator" can be cited via a digital object identifier (DOI) number. The DOI for this article is 10.1038/ncomms2150.


    [ Back to EurekAlert! ] [ | E-mail | Share Share ]

    ?


    AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.


    Source: http://www.eurekalert.org/pub_releases/2012-10/bc-al102512.php

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    3 family members killed, 2 hospitalized in Downey shootings - KPCC

    Downey police are trying to piece together why a gunman targeted a family at at a business and later at home, killing three people and injuring two more. The suspect who fled in what authorities believe is one of the family owned cars remains at large.

    Downey police received a call right before 11:15 a.m. Wednesday about a shooting at the business on the 8700 block of Cleta St. Within five minutes, another 9-1-1 call about a shooting came from a house approximately two blocks away.

    A man and a woman were pronounced dead at the business. A woman was found dead at the home. One teenage boy and an adult female sustained injury from the shooting.

    ?We do not believe that this was a random act of violence,? said Downey Police Lt. Dean Milligan.? ?We do believe that for some reason this family was targeted.???

    All of the victims are family. One of the survivors is a 13-year-old boy, who was shot in the upper arm and who also made the 9-1-1 call from the home. He has been giving the police information about the suspect.

    Police said the victims described the man as an African-American male who left in a black Camaro with the license plate 6LEA010. They told police they didn?t recognize the suspect as someone they knew.

    Milligan said they don?t believe the suspect forced his way into the business or the house. He said there was a brief conversation or an exchange of words between the shooter and the victims before the man opened fire on them.

    All afternoon, investigators walked in an out of the business and the house taking photographs and notes. The family-owned fire protection business is located in a mostly industrial street with a few homes. A crowd of neighbors gathered to get more information at the blocked off neighborhood intersections. ?Some of them like John Popper waited to get access to their homes.

    ?This is a quiet neighborhood,? he said. I walk at night and ride my bicycle. No problem.?

    Sherry Diyorio lives behind the family?s home on the other street. She didn?t know the family but said her daughter knows the teenage boy through school.

    ?That poor kid,? she said. ?He?s only in middle school. That?s what upsets me.?

    Investigators are reviewing surveillance video from nearby businesses in a search for more information about the suspect.

    Below is a map with the approximate location of the shootings.

    This story has been updated.


    View Larger Map

    Source: http://www.scpr.org/blogs/news/2012/10/24/10678/report-5-people-shot-2-dead-downey/

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    Wednesday, October 24, 2012

    Communications weigh heavy on SMB minds - Ecommerce ...

    Looking into the 2013 crystal ball, small businesses are worried about communication issues holding back their businesses. From simple voicemail issues to dropping customer calls because of bad cell service, SMBs report communications at the top of their Fears list heading in to 2013 - and with good reason. According to a new survey from eVoice, more than one-third say they've lost clients because of phone issues.

    "I've been using eVoice for over a year and truly believe the service has been a critical factor for our success," said Kirk Nebel, founder and director of Hollywood Academy of Music. "I need to know that my customers can always reach me, because if they can't then my business won't grow."

    Some interesting findings from the report include:

    ? Half of SMBs say calls have dropped in the middle of a conversation
    ? 72% of respondents say they use the cloud for nearly one-quarter of their workload
    ? 39% say email is their preferred communication method; 31% say they prefer voicemail
    ? 62% believe the 2012 holiday season will be better for their business than 2011

    For those dropped calls, respondents say the problem isn't just looking bad or appearing unprofessional - it's that they may not have call information readily accessible for a quick call-back. Respondents also say the worry they'll miss important conversation nuances. More than one-third (38%) say dropped calls have lost them customers.

    Tags: ecommerce trends, eVoice, small business trends, smb survey, smb tools


    Source: http://www.bizreport.com/2012/10/communications-weigh-heavy-on-smb-minds.html

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    Syrian regime and rebels constantly adapt arsenals

    FILE - In this Tuesday, Sept. 11, 2012 file photo, A Free Syrian Army fighter fires his weapon at Syrian Army positions in Aleppo, Syria. Piece by piece, Syria's rebels are slowly starting to expand their arsenal and get their hands on more advanced weapons, something that has been their constant aim in the 19-month-old uprising against the regime of President Bashar Assad. The process still appears to be haphazard and improvised: Far from a reliable, organized pipeline, it often remains a scramble by individual units in the highly fragmented rebel forces to obtain what they can. Most units still rely on their staple arsenal of automatic weapons, hand grenades and rocket-propelled grenades. (AP Photo/ Manu Brabo, File)

    FILE - In this Tuesday, Sept. 11, 2012 file photo, A Free Syrian Army fighter fires his weapon at Syrian Army positions in Aleppo, Syria. Piece by piece, Syria's rebels are slowly starting to expand their arsenal and get their hands on more advanced weapons, something that has been their constant aim in the 19-month-old uprising against the regime of President Bashar Assad. The process still appears to be haphazard and improvised: Far from a reliable, organized pipeline, it often remains a scramble by individual units in the highly fragmented rebel forces to obtain what they can. Most units still rely on their staple arsenal of automatic weapons, hand grenades and rocket-propelled grenades. (AP Photo/ Manu Brabo, File)

    FILE - In this Saturday, Oct. 20, 2012 file photo, a Free Syrian Army fighter shoots his machine gun towards Syrian Army positions in the Amriya district of Aleppo, Syria. Piece by piece, Syria's rebels are slowly starting to expand their arsenal and get their hands on more advanced weapons, something that has been their constant aim in the 19-month-old uprising against the regime of President Bashar Assad. The process still appears to be haphazard and improvised: Far from a reliable, organized pipeline, it often remains a scramble by individual units in the highly fragmented rebel forces to obtain what they can. Most units still rely on their staple arsenal of automatic weapons, hand grenades and rocket-propelled grenades. (AP Photo/ Manu Brabo, File)

    FILE - In this Monday, Sept. 10, 2012 file photo, a Free Syrian Army fighter walks through a street in Amariya district in Aleppo, Syria. Piece by piece, Syria's rebels are slowly starting to expand their arsenal and get their hands on more advanced weapons, something that has been their constant aim in the 19-month-old uprising against the regime of President Bashar Assad. The process still appears to be haphazard and improvised: Far from a reliable, organized pipeline, it often remains a scramble by individual units in the highly fragmented rebel forces to obtain what they can. Most units still rely on their staple arsenal of automatic weapons, hand grenades and rocket-propelled grenades. (AP Photo/ Manu Brabo, FIle)

    FILE - In this Wednesday, Oct. 10, 2012 file photo, a Free Syrian Army fighter fires his weapon against Syrian Army positions in the Karmal Jabl district, Aleppo, Syria. Piece by piece, Syria's rebels are slowly starting to expand their arsenal and get their hands on more advanced weapons, something that has been their constant aim in the 19-month-old uprising against the regime of President Bashar Assad. The process still appears to be haphazard and improvised: Far from a reliable, organized pipeline, it often remains a scramble by individual units in the highly fragmented rebel forces to obtain what they can. Most units still rely on their staple arsenal of automatic weapons, hand grenades and rocket-propelled grenades. (AP Photo/ Manu Brabo, File)

    FILE - In this Friday, Sept 7, 2012 file photo, a Free Syrian Army fighter runs after attacking a tank with a rocket-propelled grenade during fighting in the Izaa district in Aleppo, Syria. Piece by piece, Syria's rebels are slowly starting to expand their arsenal and get their hands on more advanced weapons, something that has been their constant aim in the 19-month-old uprising against the regime of President Bashar Assad. The process still appears to be haphazard and improvised: Far from a reliable, organized pipeline, it often remains a scramble by individual units in the highly fragmented rebel forces to obtain what they can. Most units still rely on their staple arsenal of automatic weapons, hand grenades and rocket-propelled grenades.(AP Photo/ Manu Brabo, File)

    (AP) ? It was long past midnight, but the rebel commander couldn't sleep until his fighters returned from the Turkish border with the latest shipment of gear meant to help them battle the Syrian army. Wearing camouflage pants and black flip-flops, he waited anxiously, his eyes bloodshot.

    In the morning, his team arrived with their prize: a single suitcase of night-vision goggles. For the first time, his brigade's snipers would be able to strike back at night against regime snipers who already have night-vision capabilities in the street-by-street fights for territory in the battleground city of Aleppo.

    "We need one for every fighter," said the commander, Osama, who leads one of the rebel brigades fighting in Aleppo. Still, the small number in the shipment "is better than nothing. We will surprise the enemy when we start using them." He said the goggles were provided by a "sympathizer" in Europe, but refused to elaborate.

    Piece by piece, Syria's rebels are slowly expanding their arsenal and getting their hands on more advanced weapons. The process still appears to be haphazard and improvised, far from the reliable, organized pipeline that rebels have sought for much of the 19-month-old uprising against the regime of President Bashar Assad. Instead, it often remains a scramble by individual units in the highly fragmented rebel forces to obtain what they can. Most units still rely on their staple arsenal of automatic weapons, hand grenades and rocket-propelled grenades, adapted to fit their needs.

    But there have been notable advances. Most importantly, anti-aircraft missiles have made their first appearances in rebel hands in recent weeks, a weapon that some fighters boast could turn the tide against the regime.

    Assad's forces have adapted too, although surprisingly they have at times turned more low-tech for the needs of urban warfare against guerrillas.

    Rebel fighters say the most terrifying new regime weapons are cluster munitions, which scatter "bomblets" over a large area, and so-called "barrel" bombs. The latter are literally barrels packed with explosives, metal shards and sometimes fuel-soaked, igniting sand that are shoved out of helicopters or airplanes and can cause horrendous blasts and casualties.

    Some analysts say the tactics adopted by Assad signal a military under strain. Although few expect the war to end soon, many say progressive changes in the sides' respective armories appear to favor the rebels in the long run.

    "My sense is that the rebels are winning this war," said Jeffrey White, who studies Syria for the Washington Institute for Near East Policy. "They are winning by inches and the regime is doing its best to use its assets in innovative ways, but it is basically losing that fight."

    Arms improvisation has been key to the rebel movement since it started months after the first protests of the anti-Assad uprising in March 2011. After deadly government crackdowns, civilians and army defectors took up arms to protect their towns and attack government troops.

    The rebels have long asked sympathetic nations to arm them, complaining that they cannot get strong enough weapons to face Assad's powerful arsenal of tanks, artillery, mortars and warplanes. Though there have been reports of Persian Gulf nations funneling some arms, many rebel brigades say they have not received any such shipments. For most of the conflict, they have relied on smugglers and weapons captured from the Syrian military.

    While he waited for his team to come back with the night-vision goggles last week, Commander Osama showed The Associated Press a sampling of the improvised armory his brigade of several hundred men has collected. Assault rifles hung from the walls, and bullets, mortars and rocket-propelled grenades sat in boxes nearby. Osama spoke on condition that he be identified only by his first name for fear of retaliation against his family.

    One rifle had a telescopic sight crudely welded to its body to turn it into a sniper's rifle. His men bought the scopes separately for $150 each and assembled them to rifles.

    "It's not really good, but we have to do what we can," he said.

    He also showed a rocket-propelled grenade launcher that his men captured in a recent raid on an army garrison. It was a much larger caliber than the RPGs his men have and can disable the regime's most advanced tanks ? but only if the shooter gets within 400 meters (yards).

    "That takes unbelievable courage," he said, because regime tanks on the move are closely guarded by snipers.

    In what would be a significant advance, an official with the Free Syrian Army ? the rebel's loose umbrella group ? who is involved in procuring weapons said the rebels have now obtained dozens of shoulder-fired anti-aircraft missiles. Speaking to The AP in Turkey, he would not say who provided the rockets. He spoke on condition of anonymity for security reasons.

    Several videos posted by anti-regime activists online last week show the missiles. In one video, an SA-7 launcher has been set on a rock to display it. Another shows a fighter in Aleppo firing one at a passing fighter jet, with the curly smoke trail of the rocket visible.

    It remains unclear how many SA-7 missiles rebels have and if they can use them successfully. But "even if they don't bring anything down, it will make Syrian pilots think more about what they are doing," said White.

    Reports of rebels shooting down regime aircraft have increased. Rebels claimed to have shot down at least two helicopters and two jets in August and September.

    In the last week alone, however, amateur videos indicate they've shot down one jet and two helicopters. In one case, a video purported to show the capture of the jet pilot. In another, a rebel held up what he said was the head of another pilot, salvaged from the wreckage of his helicopter.

    Other videos indicate that rebels have a growing number of heavy-caliber anti-aircraft guns, many mounted on pickup trucks for easy movement, as well as mortars and different kinds of homemade rockets.

    The videos appeared consistent with other AP reporting.

    From its side, Assad's regime has adjusted its professional military ? built to fight a war with Israel ? to fight guerrillas in Syrian cities.

    Rebel fighters and activists say the "barrel bomb" is used nearly every day. On Saturday, an AP reporter visited a mosque in Aleppo that was hit by a barrel bomb three days earlier, killing at least 10 people: An annex to the mosque was razed, and the mosque itself and a half-dozen nearby apartment buildings nearby were severely damaged.

    Amateur videos of barrel bombs that have failed to explode show them as large, metal containers filled with explosives and metal shards that are pushed manually from aircraft and detonate on impact with the ground. Some appear to be filled with sand soaked in fuel to cause huge fireballs.

    One opposition activist in Aleppo said the barrel bombs don't seem to have tactical aims beyond killing as many people as possible. He spoke on condition of anonymity for fear of retaliation.

    Joseph Holliday, who studies Syria for the Institute for the Study of War said the bombs have a wide blast radius ? advantages when fighting rebels in an urban area. "The idea is to drop it on a building and try to get it to catch on fire," he said.

    Human Rights Watch has also accused Syria of using cluster munitions, which it says endanger civilians. Syria does not comment on its military tactics, though it has denied using cluster munitions.

    The question is whether the regime is resorting to such things out of intentional tactics or necessity. Mark Hiznay of Human Rights Watch said the use of barrel bombs could reflect regime difficultly in transporting munitions to air bases in the battle zones, forcing soldiers to build their own.

    Holliday cited other ways the regime has adapted, such as using pro-government gunmen known as shabiha to supplement its infantry, which has been weakened by defections. In northern Syria, it has also used its slower L-39 training jets for airstrikes rather than its advanced MiGs.

    This could be tactical, he said: flying slower makes it easier to target groups of gunmen on the ground.

    Or it could reflect strain. The L-39s are easier to fly and maintain, suggesting that defections may have deprived Syria of pilots who can fly advanced aircraft or that the regime lacks parts to keep those jets in the sky.

    Hiznay of Human Right Watch said Syria may be saving its more advanced aircraft for a worse-case scenario. "If there is a land force invasion, this stuff is optimized for killing tanks and armored vehicles."

    ___

    Hubbard reported from Beirut.

    Associated Press

    Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2012-10-23-Syria-Adapting%20Arsenals/id-65b535e678f54a49b8054f215715bd55

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    Experts: 3 Common Investor Mistakes All Retail and 401k Investors ...

    (The following is the second in a five-part series of articles devoted to helping fiduciaries, especially individual trustees and ERISA plan sponsors, best align investment goals with beneficiaries? needs.)

    When we put out a question to our network of financial professionals, we usually get enough more than enough responses to fill our needs. When we put out this particular question, we couldn?t believe the amount of messages in our e-mail inbox. In fact, we received so many thoughts, ideas and opinions from so many professionals, it?s impossible to use all the answers. To do so would produce an article whose length would rival a novella. Despite this volume, we analyzed the answers and categorized them into three general categories. These represent the three most common investor mistakes all investors should avoid. And when we say all investors, that includes both the average investor as well as individual trustees and ERISA plan sponsors.

    Common Mistake #1: Trying to ?beat? the Market ? or trying to ?beat? anything, for that matter. Conservative investors refer to this mockingly as the ?horse race mentality.? Let?s confront this most common mistake made by investors: John Graves, editor at The Retirement Journal in Ventura, California and author of The 7% Solution, says, ?Chasing performance is a mistake [because] a. You are too late to the game, [and] b. The last one at the dance is the first to go home.? Robert W. Kowaleski of Professional Wealth Management in Hauppauge, New York likens chasing performance to ?a dog Chasing its tail. How far did the dog get when it was done and did it ever catch its tail??

    Rarely, if ever, will a trust document or investment policy statement demand the trustee or fiduciary ?beat? the market. Trustors create trusts and lawyers draft trust documents solely for the benefit of named beneficiaries. While it may be advantageous to have an investment portfolio which ?beats? the market, and many trusts do have investment portfolios which ?beat? the market, this represents the result of a sound investment discipline and not the result of any specific dictate.

    Why do investors commit this ever popular common mistake? Robert L. Riedl, Director of Wealth Management at Sumnicht & Associates, LLC in Appleton, Wisconsin, believes ?They have no plans, no financial objectives and lack independent professional advice. Thus, they don?t know what they don?t know and that increases their opportunity to make random decisions that will increase their risks and opportunity to fail.?

    Indeed, goals should be tied to something more tangible, such as paying a set amount in expenses, making specific purchases (for example, buying a car or a house), paying college tuition or living a comfortable retirement to name just a few. ?Many investors do not define the purpose of their accounts,? says Damian Rothermel of Rothermel Financial Services in Portland, Oregon.

    The true goal, then, represents the lifetime goals or dreams of the beneficiary (or investor). These may be specifically defined in the trust document or, more likely, require an interview with the beneficiary (or investor) to fully determine the goals and nature of the portfolio?s investment policy statement. In the latter case, such interviews need to be conducted on a periodic basis and certainly after any major life event (marriage, birth of a child, etc?) to insure the goals and dreams have not changed significantly. ?It doesn?t happen too often that people ?accidentally? save too much,? says Hilary Martin, a financial advisor for The Family Wealth Consulting Group in San Jose, California. ?It?s important,? continues Martin, ?to know your own cash flow requirements and plan for increased expenses for things like travel and health care.?

    To summarize this common mistake, the individual trustee, retirement plan fiduciary, or regular investor cannot treat investing like an athletic contest. Targeting arbitrary hurdles quickly leads to undisciplined and, in the end, unproductive, investment management. Why? It is extremely unlikely that any conservative, long term investment portfolio can ?beat? any arbitrary index during every single time period (thus is the nature of ?risk.?) Should the individual trustee, fiduciary or investor blindly focus on ?beating? the market, he is merely chasing performance. This easily degrades into excessive investment adviser turnover as the investor is always firing the existing adviser (or mutual fund) to hire last year?s best performer. Alas, this kind of activity results in something similar to buying high and selling low; thus, the investment performance of the portfolio suffers considerably.

    Common Mistake #2: Trying to ?play it safe.? This second common mistake represents the opposite extreme of our first common mistake. Although it?s been most apparent today, particularly among younger investors still in shock from the market debacle in 2008-2009, this mistake has been with us for quite some time, particularly in the 401k investment arena. Indeed, Congress passed the 2006 Pension Protection Act in part to address the need to encourage 401k investors to place a greater portion of their retirement assets into long-term investments (and thus begat target date funds).

    ?Being so conservative and leaving 100% of investible assets in cash or in a shoe box is a mistake,? says Kevin Cahill of Canadian Legacy Builder in Guelph, Ontario. Cahill?s comment may appear as hyperbole, but it gets to the root of the problem of ?playing it safe.? David Houle, co-founder and portfolio manager at Season Investments in Colorado Springs says, ?investing too conservatively can be a mistake that results in lost opportunity and not meeting your long-term objectives. Most people who are investing too conservatively are doing so out of fear which is a dysfunctional emotion to let drive investment decisions.?

    Martin explains further, ?even in the long run, the expected return of bonds is something like 2-3% real. If the average investor retires at age 65, and has a life expectancy of 92 years, how are you going to provide for inflation-proof income for 27 years with a 2.5% return on half of your portfolio? I believe that is a sure-fire recipe for having too much time left at the end of your money.?

    And while some investors do have the luxury to play it safe, there is clearly one segment that doesn?t. Elle Kaplan, CEO of Lexion Capital Management in New York City says, ?Investing too conservatively is only a mistake if your accounts have a long time horizon and you can benefit from compounding. Younger investors

    that won?t be touching their account for years can take on more risk.?

    In summary, as Tony Fiorillo, President/CEO of Asset Management Strategies, Inc. in Indianapolis, says, ?Long term returns are better with equities (stocks) than with fixed income (bonds) and bonds can have as high a level of risk. Especially when dollar cost averaging into your 401k, and if you have years to go to retirement, you should lean heavily on the stocks in your allocation.?

    Common Mistake #3: Trying to ?time? the Market ? or trying to time any financial asset. A related common mistake entails attempting to ?time? the market. The industry defines market timing as shifting your money from one asset class to another. To work, you would have to correctly guess which asset class would have the best short-term performance and invest accordingly. Through the years, many investment ?gurus? have purported to have developed a ?fool-proof? method for market timing. There remains no convincing evidence that market timing works. Indeed, there is ample evidence suggesting the investor pays a steep penalty for incorrectly guessing when to shift from one asset class to another.

    ?Many studies show that the performance of the average investor is well below that of the markets,? says Mitchell E. Kauffman, an independent Certified Financial Planner with offices in Pasadena and Santa Barbara.? Kauffman points to one such study by Dalbar that concludes ?the cost of market timing for the past 20 years is about 4% per year on average,? and adds that ?during volatile times that shortfall nearly doubled to 7% for market timers.? For all the talk of fees, no aggregation of fees approaches this cost of market timing.

    In a very real sense, the mistake of market timing derives from our first two mistakes. It starts with believing the tree will grow to the sky and investors searching for ways to beat the market. Then, when the bubble pops, investors decide (usually incorrectly) it?s now a good time to play it safe. Here?s a real world example provided to FiduciaryNews.com readers by Craig Lemoine, Assistant Professor of Financial Planning at The American College in Bryn Mawr, Pennsylvania. He tells us, ?In 2006 and 2007 Chinese markets doubled in value, became plastered over media outlets and discussed. I sat across from a mutual fund wholesaler who explained that the share value of the Emerging Market equity fund he was selling had increased by 200% over the past two years and that the sky was the limit. From 2007 to 2012 the same fund has experienced a -1.73% annual return. Buying after the initial growth or expansion phase will lead to a decrease in overall performance.?

    Yet, for all the academic studies that provide solid proof of the folly of market timing, why do people continue to believe it works? Kauffman says ?People over estimate their abilities and the simplicity of timing prompts grandiosity and excessive risk taking.? This, in part, explains why they overreact when market timing fails and why they suffer unfortunate consequences. ?When investors are invested too aggressively,? says Alan Moore, founder of Serenity Financial Consulting in Milwaukee Wisconsin, ?it means they can?t psychologically handle the swings in the market. This means that when the market dips, the investor will sell out of fear. This leads to locking in losses, and is a great way to wreck a retirement plan. There is a danger of being way too conservative, because the investor will not get growth in their portfolio. For most investors, they need growth in their portfolio over time in order to meet their investment goals. Being too conservative in their investments runs the risk of delaying retirement or forcing additional savings later in life.?

    Another symptom of this common mistake involves trying to make a lot of money quickly. This is also related to the first common mistake. This mistake, however, can have far greater consequences. The words most associated with trying to make a lot of money quickly are ?speculation? and ?gambling.? Conservative investors know making a lot of money quickly requires luck more than skill. It?s not impossible, but entails a lot of risk ? too much risk for the prudent investor.

    Jason Hull of Hull Financial Planning in Dallas/Fort Worth asks, ?How many people bought Facebook shares just because they knew Facebook? Furthermore, how many of them invested a disproportionately large amount of money into Facebook because they ?knew? it was going to go to the moon? When we take a big risk in investing a lot of our investable assets into one investment, then we live or die by that investment. Instead, we should look at diversifying our investments so that one bad investment doesn?t ruin our investment portfolio.?

    Of course, the mailbox is full of plenty of examples of money managers who claim to have doubled or tripled their investment portfolio in two or three years. We expose the folly of these direct mail pieces by gently reminding the reader that every week across our country several people win million dollar lotteries with a single one-dollar ticket. As an individual trustee or retirement plan fiduciary, would you bet your trust?s entire investment portfolio on a single lottery ticket?

    Still not convinced? Let?s give our direct mail money managers the benefit of the doubt. Let?s say their past record of lottery-like investment performance is true and accurate. We hope the reader will pause and consider how many of those weekly million dollar lottery winners win another million dollars the following week? The following year? For the remainder of their life?

    For all these warnings though, it is the ease of access to ?information? that most vexes investors. ?The biggest mistake people make, in my opinion, is paying too much attention to all the ?noise? in the media (present company excluded, of course!),? says (graciously) Christopher Kimball, whose firm Christopher Kimball Financial Services is located in Lakewood, Washington. Kimball adds ?Bad news sells; panic gets people?s attention. That?s why newscasters so often play chicken little and claim the investment sky is falling. Fixating on all the panicky commentators not only can result in high blood pressure, but bad investment decisions, too. Everyone knows the stock market goes up and down ? it?s one of the fundamental laws of investing! As a friend of mine says, however, ?The only people who get hurt on a roller-coaster ride are the ones who jump off.? People have got to learn to remain calm and not listen to the doomsday sayers, whether it be on television, radio, or in print.?

    If we could condense all three of these common investing mistakes into one word, that word would be ?emotion.?

    ?People tend to react instead of plan,? says Douglas L. Nelson of TCI Wealth Advisors, Inc. in Santa Fe, New Mexico. ?They buy when prices are going up and sell when they are going down. Fear and greed drive them. They think they know where the markets are going tomorrow and react instead of sticking to their plan. If anyone knows where markets are going tomorrow they will not tell us and would be wealthy beyond imagination.?

    Everyone makes mistakes. There should be no fear in admitting when one makes a mistake. Mistakes aren?t always bad. Mistakes offer an excellent opportunity for us to learn. Mistakes can often lead to our greatest discoveries (see ?Christopher Columbus?). In the end, though, we can accrue these very same benefits by watching ? and understanding ? the mistakes of others.

    The three most common investor mistakes other investors have committed have been listed here.

    Don?t make them.

    We?ll now move from the arena of mistakes to reveal A Better Way.

    Part I: The Easiest Way to Reduce Personal Fiduciary Liability for Plan Sponsors and Other Non-Professional Trustees
    Part II: Experts: 3 Common Investor Mistakes All Retail and 401k Investors Should Avoid
    Part III: A Better Way
    Part IV: Specific Real Life Examples
    Part V:Putting It All Together

    Interested in learning more about this and other important topics confronting 401k fiduciaries? Explore Mr. Carosa?s book 401(k) Fiduciary Solutions and discover how to solve those hidden traps that often pop up in 401k plans.

    Source: http://fiduciarynews.com/2012/10/experts-3-common-investor-mistakes-all-retail-and-401k-investors-should-avoid/

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    Tuesday, October 23, 2012

    LeAnn Rimes to Katie Couric: I'm Starting Over

    LeAnn Rimes isn't embarrassed that she sought treatment for stress and anxiety. Just weeks after completing a voluntary 30-day rehabilitation program, the country star is opening up about how the experience has changed her life. Rimes spoke candidly about her emotional breakdown and recovery in two new interviews with Katie Couric: one for the daytime chat show Katie, the other for a special "All Access Nashville" edition of 20/20. (Watch a preview below!)

    Source: http://www.ivillage.com/leann-rimes-katie-couric-im-starting-over/1-a-496259?dst=iv%3AiVillage%3Aleann-rimes-katie-couric-im-starting-over-496259

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    Man with knife stopped from approaching Finnish PM

    FILE - In this Dec. 8, 2011 file photo, Finland's Prime Minister Jyrki Tapani Katainen arrives for an EU summit in Brussels. A government spokesman said Monday, Oct. 22, 2012 that security guards stopped a knife-wielding man from stabbing Katainen while he was campaigning for municipal elections. (AP Photo/Geert Vanden Wijngaert, File)

    FILE - In this Dec. 8, 2011 file photo, Finland's Prime Minister Jyrki Tapani Katainen arrives for an EU summit in Brussels. A government spokesman said Monday, Oct. 22, 2012 that security guards stopped a knife-wielding man from stabbing Katainen while he was campaigning for municipal elections. (AP Photo/Geert Vanden Wijngaert, File)

    FILE - In this April 16, 2011 file photo, Jyrki Katainen, center, chairman of The National Coalition Party and candidate for the Finnish Parliament canvasses during the party's election campaign in downtown Helsinki, Finland. A government spokesman said Monday, Oct. 22, 2012 that security guards stopped a knife-wielding man from stabbing Finland's prime minister Jyrki Katainen while he was campaigning for municipal elections. (AP Photo/Lehtikuva, Sari Gustafsson, File) FINLAND OUT, NO SALES

    FILE - In this Dec. 8, 2011 file photo, Finland's Prime Minister Jyrki Tapani Katainen speaks to the media as he arrives for an EU summit in Brussels. A government spokesman said Monday, Oct. 22, 2012 that security guards stopped a knife-wielding man from stabbing Katainen while he was campaigning for municipal elections. (AP Photo/Geert Vanden Wijngaert, File)

    (AP) ? Security guards stopped a knife-wielding man on Monday from approaching Finland's prime minister while he was campaigning for municipal elections, government officials said.

    "The man was stopped before he reached the prime minister. He didn't have time to stab him," Kari Mokko, a government spokesman told The Associated Press.

    The incident occurred in the southwestern city of Turku, where Prime Minister Jyrki Katainen was campaigning ahead of Sunday's municipal elections.

    Mokko could not give any details on the suspect. He said the prime minister was not hurt.

    Robert Seger, a Finnish newspaper photographer who witnessed the incident, said the man dropped to his knees in front of Katainen, holding a knife, but didn't attack him.

    "He was trying to get Katainen's attention," Seger said.

    The government's security chief Timo Harkonen told Finnish broadcaster YLE that the prime minister's security contingent "prevented it from becoming a dangerous situation."

    Finnish news agency STT said police apprehended the man, who was behaving in a confused manner.

    Associated Press

    Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2012-10-22-Finland-Prime%20Minister/id-31250a1549a64d2fa6b87ec3fe6d2030

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    Great Ideas! 7 Scarily Delicious Cupcakes for Kids

    Spice up your Halloween party with these creepy, cute confections from Save the Date for Cupcakes's Tanya Martinez

    Source: http://feeds.celebritybabies.com/~r/celebrity-babies/~3/mlXpFBObHz0/

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    Monday, October 22, 2012

    Pencils Say A Lot - Ask Harriete

    Pencils say Star Student, and Gain 51 point on the Star Test about standardized testing.

    Hopefully you've listened to the Seth Godin presentation in the last post. He makes some incredible points about education.? Quote . . .

    "And when we put kids in the factory called school, the thing we built to indoctrinate them into compliance, why are we surprised that the question is, ?Will this be on the test??"

    HB_Detail_1_P8193799
    Measuring Compliance by Harriete Estel Berman

    Godin continues: "So if someone is making art, they don?t say, 'Can I do one less canvas this month?'? They don?t say, 'Can I write one less song this month?'? They don't say, 'Can I touch one fewer person?'? If it's art, they want to do more of it."
    HB_Measuring_Compliance

    Education is a scary subject. You may not think so because it seems to be in the news all the time, but when personal becomes political, the system often seems to feel threatened. I've had institutions afraid to show this artwork about education. Why?

    De Anza College Euphrat Museum of Art is showing
    Pick Up Your Pencils, Begin.
    _MG_7078
    Pick UP Your Pencils, Begin is a gigantic bell curve 28' wide and 15' tall about the impact of standardized testing on our educational system.

    The Art of Education
    October 22 - December 7, 2012

    Euphrat Museum of Art
    DeAnza College
    21250 Stevens Creek Blvd.
    Cupertino, CA 95014

    PLEASE COME TO THE RECEPTION
    Wednesday, Oct. 24, 5:30 - 7:30 p.m.
    I will be there, it is my birthday!!!!!

    The Art of Education exhibition will include the Pick UP Your Pencils, Begin by Visiting Artist Harriete Estel Berman. Additional work by De Anza & Foothill Art Faculty and Staff will highlight the diverse yet interconnected work of art faculty and staff and their educational philosophies.

    Harriete

    Source: http://askharriete.typepad.com/ask_harriete/2012/10/pencils-say-a-lot.html

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    Reverse brain drain: Poles circulate home and out again to Europe

    When Wojciech Burkot was licensed by Google to open a research and development office anywhere on the planet, the wiry, high-energy physicist chose Krakow, Poland. And not just because he was born there.

    Mr. Burkot had worked all over the globe ? Europe, the United States, and Asia ? in jobs with prestigious research organizations like the European Organization for Nuclear Research (CERN) and in private industry at Motorola. But after his 2006 interview at Google's California headquarters, he decided to settle his R&D outfit in Krakow because of its ongoing information and technology boom, and for the chance to bring something home.

    RELATED: Four reasons illegal immigration from Mexico to the US has dropped

    Burkot hopes Google's creativity and openness ? "Crazy in a good way," he says ? will rub off in a nation still a bit frumpy and provincial in the aftermath of communism. He recently took his team sailing on the Mediterranean Sea, not a typical Polish workplace outing. Google's offices, located across from an 11th-century Orthodox church, are a model of everything cutting edge in the industry, with a pirate flag, a ping-pong table, 24-hour access, and a disregard for hierarchy.

    Meanwhile, Burkot's R&D teams, including returning Poles, are in headlong pursuit of faster search engine speed with ever larger caches of information. "That's the hard problem ? speed plus size," he says, happy to be engrossed in his passion back in Krakow.

    Steady 'circulatory' trickle of return

    In some ways, Poland is the country in Europe most poised to benefit from a "brain gain" brought about by its returning migrants. For one, Poland's economy has boomed relative to those of its European neighbors: It grew 13 percent in the past five years while the rest of European economies shrank. For example, Poland is a top appliance and flat-screen-TV producer on the Continent, even as its identity as a manufacturing workshop is giving way to more R&D.

    But second, and most crucial, is the large Polish diaspora. The Polish brain drain took human capital abroad for decades, partly because Poles enjoyed special visitation rights abroad under the Soviets; but largely because of the big explosion of emigration in 2004 when Poland joined the European Union. This marked the first generation of legal mobility, and the time is often spoken of in rapturous terms of new freedoms. Educated youth, many from rural areas, left in staggering numbers. Estimates of their exodus are sketchy, but 2 million departures may be in the ballpark, say experts. The vast majority landed in Ireland and England, feeding the rise of Europe's cheap-airlines phenomenon.

    Burkot's return to Krakow with Google is a tidy example of the potential of brain gain in Poland after the global financial crash of 2008 and Europe's austerity. But analysts say there is not yet any mass U-turn to Poland ? just a steady trickle.

    A critical mass of brain gain brought by returning Poles is largely still a hope or expectation, says Pavel Kaczmarczyk, vice director of the Center for Migration Research at the University of Warsaw and an adviser to Polish President Donald Tusk.

    There is evidence some Poles have returned. For example, the number of Poles living in Ireland peaked in 2005 at 325,000 and has dropped now to 126,000, according to the recent Irish census.

    But most have fought hard to stay abroad. Talent in the globalizing world of 2012 may be democratizing, but pay scales are not. Poland uses the zloty, and young PhDs in political science and medieval archaeology still make more as baristas and hotel clerks in Britain. London is now home to 600,000 registered Poles, and 400,000 or so migratory or short-termers, according to recent Polish government statistics.

    "The economic crisis increases uncertainty and people are staying where they are," explains Mr. Kaczmarczyk. "Having made it abroad there is less desire to leave.... What we hope for is a new situation where cities like Warsaw and Krakow are changed by rural Poles with degrees going to London and returning. This is an expectation. What we benefit from now is a more European attitude adopted by Poles."

    So Poland's nascent brain gain is seen now in incremental waves. Gains now come more via high-skilled and executive-level returnees. Scholars here speak of a "circulatory" population of migrants that come and go in Europe's unique ecosystem.

    No serious academic will put a number on how many have returned. "Low" is the best that can be coaxed out. And it is more a case of individuals going and coming like Pavel Modrzejewski, an investment banker who left London after the financial crash to start a new line of fine Peruvian wool baby clothes that he and his twin brother export across Europe, and sell to an emerging upper middle class here.

    "I'm in Poland now, but where I'll be in five years I don't know," Mr. Modrzejewski says.

    And then there's Jaroslaw Bachowski, who is a part of the circulatory mode of returnees found in Polish corporate circles. He grew up near Krakow; studied both in Poland and then at the University of California, Los Angeles; and lived in Berkeley, Calif., in the early 1990s. He was the Polish hire in the executive trainee program at International Paper in Poland, and in 1994 he joined the American consulting firm of McKinsey & Company, working in Poland, Germany, Belgium, France, Russia, and the US, before deciding in 2004 that his life was no longer his own. He returned home.

    "More [Polish] Western execs now want to continue advancing their career in Poland as it offers prospects of growth, but also more Poles are coming back," says Mr. Bachowski, now a partner in Warsaw at the executive search firm Egon Zehnder International. "The head of the biggest financial services firm here is a Harvard Business School grad, raised in Poland."

    But many average Poles without such high profiles go and come quietly ? "off the books" ? without reporting their movement so they don't lose their cheaper health benefits in Poland.

    "If you sit in a Krakow pub long enough you will find someone who has returned," says a journalist there. But many stay invisible.

    Returning a greatly missing 'pleasantness'

    The alchemy of ideas that come with returnees may be the most important gain ? it's the thousand-and-one different concepts, attitudes, and outlooks picked up abroad that filter back with returnees.

    In small waves from 1989 to 2000, returnees were conscious of bringing beneficial "social capital." And joining the European Union brought requirements that Poland build better roads and sewers, and improve government transparency. The brain gain via high-skilled returnees today brought greater awareness of sexual harassment standards, rights, a focus on civility, a greatly missing "pleasantness."

    Konstanty Gebert of the European Council of Foreign Relations in Warsaw says he has detected reverse migrants bringing a "civilizational know-how that is transformative."

    "It is true we have lost many of our best and brightest; but in the medium run, there is a gain," he says offering one observation as an example. "At a basic level, look at toilets! It used to be horrible. Now you can go to the bathroom," he says of public toilets that have become cleaner and more usable in recent years.

    Bachowski sees a litany of empirical gains in the economy coming with the brain gain: improved ideas about customer care, the universal use of credit cards and chips, paperless and online banking. Competitiveness itself, he says, has revolutionized many businesses, bringing new concepts of customer service. For example, insurance firms have started to bundle services like plumbing and keymaking into coverage plans.

    Yet brain gain is a mixed picture .

    Among returnees after 2004 ? the crowd that left for economic benefits ? the impact is fuzzy and a work in progress.

    A study of returnees by Katarzyna Gmaj, a social anthropologist at the Center for International Studies in Warsaw, showed that by "surviving abroad, they are more brave but also more demanding [back home], in the positive sense. But that can bring difficulties finding a job. If you experienced abroad that your boss should be honest, you may demand this [in Poland], but you may not get it."

    Indeed, studies show many returnees, especially women, describe a more affirmative identity abroad, but fall into older patterns of apathy or servility upon return.

    A "reality factor" is faced here by returnees says Ms. Gmaj. "It is easier to start a business in London speaking Polish than for a Pole to start one in Poland speaking Polish.

    Beefy, no-nonsense Mariusz Mularczyk, who spent 10 years in Germany as a construction project manager, has faced such business realities. He helped build an Opel plant and was offered German citizenship. But instead, he came home to Warsaw with new ideas, a longing for home, and a 10-year-old daughter.

    But Mr. Mularczyk remains ambivalent about his decision: "When you pay taxes in Germany they hold your hand. When you go to the tax office in Poland you are treated like a thief."

    Nor do locals always warm up to new concepts, he says: "People don't just accept what comes back." The "light frame" efficient construction now popular in Europe that he worked with in Germany, he notes as an example, is only slowly making inroads here.

    What Mularczyk brings to the "gain" table is a more Western sense of quality. He says he can now identify how project managers hide mistakes "at all cost" rather than identify them and work out solutions. "It's a mentality that only changes slowly."

    Gmaj agrees: "When you come back you have a tough road. There are no roses on that road. Facing Polish realities is sometimes very painful."

    But, says Bachowski, pain may lead to gain: "The biggest thing created by four waves of return since 1989 is a population that for the first time has expectations for something better across the board ? for infrastructure, for consumer lifestyle, for international mobility. That's part of Poland's gain."

    One person, big ripple

    Asked if he thinks Poland is changing as a result of the nascent brain gain, Google's Burkot explains the influence of the new influx: "I hate hierarchies. When I first saw Google head-quarters in California ... I went for my interview ... at 7 p.m. There was a riot of people working, talking, playing ping-pong. My host saw the expression on my face. 'Yes,' he said, 'I know it looks like a giant kindergarten. But the amount of work that can be done by a few dedicated engineers is incredible.' "

    RELATED: Four reasons illegal immigration from Mexico to the US has dropped

    And, he adds, "We are doing that here [in Krakow]. We outreach. We are good citizens. And so we are making baby steps with the locals based on the idea that one simple person can make a huge difference."

    Related stories

    Read this story at csmonitor.com

    Become a part of the Monitor community

    Source: http://news.yahoo.com/reverse-brain-drain-poles-circulate-home-again-europe-160310273.html

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    Sunday, October 21, 2012

    Diamond Snapbacks Hats for legal reasons for

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    Business How to Write an Education Business Proposal

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    Business How to Write a Fashion Business Proposal

    16th July 2012 The world of fashion is huge and international, and it includes many different types of businesses. There?s the design group: businesses that design patterns, fabrics, notions, accessories, makeup, and lines of clothing. There?s the manufacturing ? Read >

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    14th May 2012 No matter what sort of business you are involved in, you?ll probably need to consider safety issues at some time or other. You might need to assemble a safety report for your management, discussing issues within your company. If you?re in a heavily reg? Read >

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    Israeli naval vessels take control of Gaza boat

    JERUSALEM (AP) ? Israeli troops on Saturday commandeered a Gaza-bound ship that tried to break through Israel's blockade of the Hamas-ruled seaside strip, the military said. European lawmakers and other pro-Palestinian activists aboard did not resist, and the Finnish-flagged vessel was diverted to an Israeli port.

    The voyage by the ship, Estelle, marked the latest challenge to the air, land and sea embargo of Gaza that Israel imposed after the Islamic militant Hamas group seized the territory in 2007. Israeli officials say they need to enforce the blockade to prevent weapons smuggling.

    Hamas called for more attempts to break the sea blockade.

    Six Israeli naval vessels stopped the Estelle when it was about 30 nautical miles from Gaza, and masked soldiers boarder the ship and ordered it to sail to Israel's Ashdod port, said Victoria Strand, a spokeswoman for the activists.

    The Swedish-owned Estelle left Naples, Italy, on Oct. 7 with about 30 people from eight countries, including lawmakers from Norway, Sweden, Greece and Spain, as well as Israeli activists and a 79-year-old former legislator from Canada.

    Israeli military spokeswoman Lt. Avital Leibovich accused the activists of staging a provocation.

    "We have this blockade because there are constant smuggling attempts of weapons, munitions that eventually reach the hands of terror organizations inside Gaza," she said.

    Over the past decade, Gaza militants have fired thousands of rockets and mortar rounds toward Israeli border towns.

    Although Hamas and Israel have maintained an unwritten truce for more than two years, violence occasionally flares in the area. Most recently, an Israeli strike on a prominent al-Qaida-inspired jihadi prompted two days of tit-for-tat rocket fire and strikes last week.

    Strand, a spokeswoman for the activists, said the takeover of the Estelle by Israeli forces was a "demonstration of ruthlessness."

    The ship was carrying cement, basketballs and musical instruments, Strand said. It was emblazoned with "Ship to Gaza" on one side, and also flew the colorful red, green, black and white Palestinian flag.

    Israel, aided by Egypt, closed Gaza's borders after Hamas seized control and drove out forces loyal to Palestinian President Mahmoud Abbas more than five years ago. Israel eased its restrictions after its raid of a Turkish-led blockade-busting flotilla in 2010 left nine activists dead and sparked international condemnation.

    Still, Israel continues to block sea access to Gaza and severely restricts its ability to export goods and import raw materials.

    Activists say the blockade amounts to collective punishment of Gaza's 1.6 million residents, denying them the chance to trade and travel freely. Neighboring Egypt continues to impose restrictions at its passenger crossing with Gaza.

    The blockade has deepened the hardships in Gaza, where three in four residents rely on U.N. food aid to get by, according to U.N. figures.

    "It's hard to imagine what threat one sailboat, loaded with humanitarian supplies and a small number of people, could do to" Israel's mighty military, said Eva Manly, the wife of former Canadian parliamentarian James Manly. She said she lost contact with her 79-year-old husband early Saturday.

    Israeli Defense Ministry spokesman Joshua Hantman said the goods onboard would be checked before entering Gaza through the Israeli-controlled land crossing, Kerem Shalom. He said Israel allows some 50,000 tons of goods into Gaza every week. Gaza residents also use dozens of smuggling tunnels linked to neighboring Egypt to bring in contraband goods, particularly construction materials.

    Hantman said militants have tried in the past to smuggle weapons into Gaza by sea. In 2011, a vessel carrying 50 tons of weaponry sought to reach Gaza, while in 2009, a boat tried to bring in some 500 tons of weapons, he said.

    A Hamas spokesman condemned Israel's actions as "piracy."

    "This confirms that the (Israeli) occupation is maintaining its control and isolation of Gaza. There must be more flotillas of solidarity activists to Gaza," said Fawzi Barhoum.

    ___

    Associated Press writers Ibrahim Barzak in Gaza City and Karl Ritter in Stockholm contributed to this report.

    ___

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    Source: http://news.yahoo.com/israeli-naval-vessels-control-gaza-boat-101316205.html

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    Politicians remember McGovern, 'hero of war,' 'champion of peace' (Los Angeles Times)

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