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/

phil davis george st pierre aldon smith friday night lights nick santino bruce arians the misfits

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.

More from Open Channel:

?

  • 'Cash register justice'; private probation services face legal counterattack
  • Sunni radicals target Shiites to fan sectarian flames in Pakistan
  • Unstoppable hackers take out bank websites with next-gen 'botnets'
  • Ex-CIA agent pleads guilty to leaking identity of covert operative
  • 'Hurricane tort king' wires another $1 million to pro-Obama Super PAC
  • Tracking secretive opponent of Montana campaign finance laws
  • To fight obesity, WHO agency partners with soft drink, snack makers
  • Child sex abuse survivor on release of Boy Scout files: This 'empowers us'
  • US nonprofit 'names and shames' businesses to put bite into Iran sanctions
  • Man pleads guilty in plot to assassinate Saudi ambassador to US
  • Help 'Free the Files' on election TV ad spending
  • ?

    Follow Open Channel from NBCNews.com on Twitter and Facebook

    ?

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

    NBC Olympics schedule Alexa Vega 2012 Olympics Chad Everett London Olympics Kristen Stewart Rupert Sanders Photos BBC

    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

    karen handel hangout todd haley kareem abdul jabbar karl rove miramonte elementary school mark jenkins

    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/

    Aurora Colorado Rajesh Khanna friday the 13th paulina gretzky paulina gretzky toy story 4 toy story 4

    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

    Clint Eastwood speech Maria Montessori clint eastwood Julian Castro Blue Moon August 2012 Eddie Murphy Dead michelle obama

    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

    wiz khalifa and amber rose oh the places you ll go blunt amendment justin bieber birthday read across america vikings stadium breitbart dead

    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/

    ricky martin chauncey billups caucus results exton ricky williams kurt warner kurt warner