Thursday, January 3, 2013

US drones kill senior Taliban figure in Pakistan

ALTERNATE CROP - In this April, 20, 2007 file photo, Pakistani militant commander Maulvi Nazir meets his associates in South Waziristan, Pakistan near the Afghani border. Five Pakistani security officials said the commander, Nazir, was reportedly among nine people killed in a missile strike on a house in the village of Angoor Adda in the South Waziristan tribal region early Thursday. The officials spoke on condition of anonymity because they were not authorized to brief the media. (AP Photo/Ishtiaq Mahsud)

ALTERNATE CROP - In this April, 20, 2007 file photo, Pakistani militant commander Maulvi Nazir meets his associates in South Waziristan, Pakistan near the Afghani border. Five Pakistani security officials said the commander, Nazir, was reportedly among nine people killed in a missile strike on a house in the village of Angoor Adda in the South Waziristan tribal region early Thursday. The officials spoke on condition of anonymity because they were not authorized to brief the media. (AP Photo/Ishtiaq Mahsud)

Map locates North Waziristan and South Waziristan, where U.S. drones killed 13 people

In this April, 20, 2007 file photo, Pakistani militant commander Maulvi Nazir meets his associates in South Waziristan, Pakistan near the Afghani border. Five Pakistani security officials said the commander, Nazir, was reportedly among nine people killed in a missile strike on a house in the village of Angoor Adda in the South Waziristan tribal region early Thursday. The officials spoke on condition of anonymity because they were not authorized to brief the media. (AP Photo/Ishtiaq Mahsud)

ISLAMABAD (AP) ? An American drone strike in Pakistan has killed a top Taliban commander who sent money and fighters to battle the U.S. in Afghanistan but had a truce with the Pakistani military, officials said Thursday.

The death of Maulvi Nazir is likely to be seen in Washington as affirmation of the necessity of the controversial U.S. drone program. It is likely to be viewed in a different light by military officials in Pakistan, however, because Nazir did not focus on Pakistani targets.

Nazir was killed when two missiles slammed into a house in a village in South Waziristan while he was meeting with supporters and fellow commanders. Eight other people were killed, according to five Pakistani security officials, speaking on condition of anonymity because they were not authorized to talk to the media.

The U.S. rarely comments on its secretive drone program, and Pentagon spokesman George Little said he could not confirm Nazir's death, but he added that if true, it would be "a significant blow" to extremist groups in the region.

He said it would be helpful not only to the U.S. and to Afghanistan but also to Pakistan, because "this is someone who has a great deal of blood on his hands."

At least four people were killed in a separate drone strike Thursday in the North Waziristan tribal region.

America's use of drones against militants in Pakistan has increased substantially under President Barack Obama, and the program killed a number of top militants in the past year.

But the drone strikes infuriate many Pakistanis who see them as a violation of their country's sovereignty. Many Pakistanis complain that innocent civilians have also been killed, something the U.S. rejects.

Nazir's killing could cause even more friction in the already-tense relationship between Washington and Islamabad.

He earned the enmity of the U.S. by sending fighters to attack American forces in neighboring Afghanistan. He's also believed to have given shelter to al-Qaida members fleeing Afghanistan after the U.S. invasion and has maintained close relations with Arab members of the militant group.

But in Pakistan, many members of the military had a more favorable view of Nazir and similar militant chiefs who focus their attacks in Afghanistan and don't strike Pakistani targets. Pakistan is believed to have reached a nonaggression pact with Nazir ahead of its 2009 military operation against militants in South Waziristan.

Still, Nazir outraged many Pakistanis in June when he announced that he would not allow any polio vaccinations in territory under his control until the U.S. stops drone attacks in the region.

Pakistan is one of three countries where polio is still endemic. Nine workers helping in anti-polio vaccination campaigns were killed last month, and the killings this week of five female teachers and two aid workers may also have been linked to the immunization campaigns.

As many as 10,000 people attended Nazir's funeral in the town of Angoor Adda, where the strike happened. One resident who was there, Ahmed Yar, said Nazir's body was badly burned and his face was unrecognizable.

Reports of individual deaths in such cases are often difficult to verify independently.

Nazir was active in many parts of Afghanistan and had close ties with the Afghan Taliban, said Mansur Mahsud, the head of the Islamabad-based FATA Research Centre, which studies the tribal regions.

"His death is a great blow to the Afghan Taliban," he said.

The Taliban is a widely diverse group. The Afghan Taliban is made up mostly of Afghans who fight against U.S. and NATO troops.

Within Pakistan, it's a bit more complex. The Tehrik-e-Taliban is an umbrella group consisting of militants who have been fighting for the overthrow of the Pakistani government because they believe it's too closely allied with the U.S. They would like to install a hard-line Islamist government and have been behind much of the violence tearing apart Pakistan in recent years.

Nazir and another senior Taliban commander, Hafiz Gul Bahadur, broke away from the TTP in 2009 and struck a truce with the Pakistani military. Instead they focus their fighters and money on battling U.S. forces in Afghanistan.

Nazir was believed to be about 40 years old, with three children and property in both Pakistan and Afghanistan. One of his brothers was also killed in a drone strike. Nazir used to be a member of Hizb-e-Islami, a powerful militant Islamist group in Afghanistan run by former Prime Minister Gulbuddin Hekmatyar.

Nazir had survived several assassination attempts, including at least two U.S. drone strikes.

In November, a suicide bomber wounded him in an attempted assassination in Wana.

No group claimed responsibility, but suspicion immediately fell on rival militants including the head of the TTP, Hakimullah Mehsud. He has been jockeying with Nazir for power ever since Nazir's nonaggression pact allowed the Pakistani military to launch a massive operation in South Waziristan that drove Mehsud from the region.

In retaliation for the assassination attempt, Nazir expelled members of Mehsud's tribe from Wana. Nazir was meeting with supporters to discuss how to deal with the TTP when the missiles struck Wednesday, according to the FATA center's Mahsud.

Nazir's group quickly appointed his close aide, Bawal Khan, as a replacement, according to one of Nazir's commanders. He spoke on condition of anonymity because he was not authorized to talk to the media.

But it remains to be seen what the new leader's policies will be and whether the tension with the TTP could lead to a power struggle in the region.

The former chief of intelligence in northwest Pakistan, retired brigadier Asad Munir, said Nazir's killing will complicate the fight against militants in the tribal region and could prompt Nazir's group to carry out retaliatory attacks against the Pakistani army.

It will also raise questions among military commanders here who would like the U.S. to use its firepower against the Pakistani Taliban, which attacks domestic targets, and not against militants like Nazir who aren't seen as much of a threat to the state, Munir said.

He added that the risk now for Pakistan is that the remnants of Nazir's group could join ranks with the Pakistani Taliban in its war with the government and army.

Drone strikes have been on the rise under Obama.

According to the Long War Journal, which tracks such attacks, there were 35 strikes in Pakistan during 2008, the last year President George W. Bush was in office. That number grew to 117 in 2010, then fell to 64 in 2011 and 46 last year.

The program has killed a number of top militant commanders, including al-Qaida's then-No. 2, Abu Yahya al-Libi, who died in a drone strike in June.

Badruddin Haqqani, who has been described as the day-to-day operations commander of the Haqqani network, was killed by a drone attack in August. The Haqqani network has been blamed by the U.S. for carrying out some of the highest-profile attacks against American and NATO troops in Afghanistan.

__

Mahsud reported from Dera Ismail Khan. Associated Press writers Asif Shahzad and Munir Ahmed in Islamabad and Rasool Dawar in Peshawar contributed to this report.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2013-01-03-AS-Pakistan/id-1d5c559ba6364747a3532637323ab26b

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Wednesday, January 2, 2013

Bush tax cuts have expired, no law has replaced them (Americablog)

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Apple reportedly testing new iPhone, iOS 7

(Reuters) - Apple Inc has started testing a new iPhone and the next version of its iOS software, news website The Next Web reported.

The company's shares rose as much as 4.3 percent but eased a little to trade up 3 percent at $546.11 by mid-day on the Nasdaq.

Application developers have found in their app usage logs references to a new iPhone identifier, iPhone 6.1, running iOS 7 operating system, the website reported.

Apple's iPhone 5 bears the identifiers "iPhone 5.1" and "iPhone 5.2" and is powered by the iOS 6 operating system.

Developer logs show that the app requests originate from an internet address on Apple's Cupertino campus, suggesting that Apple engineers are testing compatibility for some of the popular apps, the website said.

"Although OS and device data can be faked, the unique IP footprint leading back to Apple's Cupertino campus leads us to believe this is not one of those attempts," the website said.

Raymond James analyst Tavis McCourt, however, expects the next version of the iconic smartphone to be called iPhone 5S and not iPhone 6.

Apple typically tags the interim version of its phones with an "S" before moving on to a new version. iPhone 3GS followed iPhone 3G and the iPhone 4S followed iPhone 4.

McCourt also said he wouldn't be surprised if Apple looked at an earlier launch because of the stress on its supply chain caused by late-year launches.

Apple launched iPhone 5 in September and it has been reported that the new iPhone will be released in the middle of 2013.

Techradar.com reported last month that Apple could unveil the next version of its iPhone as early as the spring of 2013.

(Reporting by Supantha Mukherjee and Chandni Doulatramani in Bangalore; Editing by Saumyadeb Chakrabarty)

Source: http://news.yahoo.com/apple-testing-iphone-ios-7-report-125657766--finance.html

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Alignments

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Lawful Good
Lawful Good is known as the "Saintly" or "Crusader" alignment. A Lawful Good character typically acts with compassion, and always with honor and a sense of duty. A Lawful Good nation would consist of a well-organized government that works for the benefit of its citizens. Lawful Good characters include righteous knights, paladins, and most dwarves. Lawful Good creatures include the noble golden dragons.
Lawful Good characters, especially paladins, may sometimes find themselves faced with the dilemma of whether to obey law or good when the two conflict?for example, upholding a sworn oath when it would lead innocents to come to harm?or conflicts between two orders, such as between their religious law and the law of the local ruler.

Neutral Good
Neutral Good is known as the "Benefactor" alignment. A Neutral Good character is guided by his conscience and typically acts altruistically, without regard for or against Lawful precepts such as rules or tradition. A Neutral Good character has no problems with co-operating with lawful officials, but does not feel beholden to them. In the event that doing the right thing requires the bending or breaking of rules, they do not suffer the same inner conflict that a Lawful Good character would.

Chaotic Good
Chaotic Good is known as the "Beatific," "Rebel," or "Cynic" alignment. A Chaotic Good character favors change for a greater good, disdains bureaucratic organizations that get in the way of social improvement, and places a high value on personal freedom, not only for oneself, but for others as well. They always intend to do the right thing, but their methods are generally disorganized and often out of alignment with the rest of society. They may create conflict in a team if they feel they are being pushed around, and often view extensive organization and planning as pointless, preferring to improvise.

Lawful Neutral
Lawful Neutral is called the "Judge" or "Disciplined" alignment. A Lawful Neutral character typically believes strongly in Lawful concepts such as honor, order, rules and tradition, and often follows a personal code. A Lawful Neutral society would typically enforce strict laws to maintain social order, and place a high value on traditions and historical precedent. Examples of Lawful Neutral characters might include a soldier who always follows orders, a judge or enforcer that adheres mercilessly to the word of the law, and a disciplined monk.
Characters of this alignment are neutral with regard to good and evil. This does not mean that Lawful Neutral characters are amoral or immoral, or do not have a moral compass, but simply that their moral considerations come a distant second to what their code, tradition, or law dictates. They typically have a strong ethical code, but it is primarily guided by their system of belief, not by a commitment to good or evil.

Neutral
Neutral alignment, also referred to as True Neutral or Neutral Neutral, is called the "Undecided" or "Nature's" alignment. This alignment represents Neutral on both axes, and tends not to feel strongly towards any alignment. A farmer whose primary overriding concern is to feed his family is of this alignment. Most animals, lacking the capacity for moral judgment, are of this alignment since they are guided by instinct rather than conscious decision. Many roguish characters who play all sides to suit themselves are also of this alignment (such as a weapon merchant with no qualms selling his wares to both sides of a war for a profit).
Some Neutral characters, rather than feeling undecided, are committed to a balance between the alignments. They may see good, evil, law and chaos as simply prejudices and dangerous extremes. Mordenkainen is one such character who takes this concept to the extreme, dedicating himself to a detached philosophy of neutrality to ensure that no one alignment or power takes control of the Flanaess.
Druids frequently follow this True Neutral dedication to balance, and under Advanced Dungeons & Dragons rules were required to be this alignment. In an example given in the 2nd Edition Player's Handbook, a typical druid might fight against a band of marauding gnolls, only to switch sides to save the gnolls' clan from being totally exterminated.

Chaotic Neutral
Chaotic Neutral is called the "Anarchist" or "Free Spirit" alignment. A character of this alignment is an individualist who follows his or her own heart, and generally shirks rules and traditions. Although they promote the ideals of freedom, it is their own freedom that comes first. Good and Evil come second to their need to be free, and the only reliable thing about them is how totally unreliable they are. Chaotic Neutral characters are free-spirited and do not enjoy the unnecessary suffering of others, but if they join a team, it is because that team's goals happen to coincide with their own at the moment. They invariably resent taking orders and can be very selfish in their pursuit of personal goals. A Chaotic Neutral character does not have to be an aimless wanderer; they may have a specific goal in mind, but their methods of achieving that goal are often disorganized, unorthodox, or entirely unpredictable.
A subset of Chaotic Neutral is: "strongly Chaotic Neutral"; describing a character who behaves chaotically to the point of appearing insane. Characters of this type may regularly change their appearance and attitudes for the sake of change and intentionally disrupt organizations for the sole reason of disrupting a lawful institution. Characters of this type include the Xaositects from the Planescape setting, and Hennet from the third edition Player's Handbook. In Advanced Dungeons & Dragons, Chaotic Neutral was mistakenly assumed to refer to this subset.

Lawful Evil
Lawful Evil is referred to as the "Dominator" or "Diabolic" alignment. Characters of this alignment see a well-ordered system as being easier to exploit, and show a combination of desirable and undesirable traits; while they usually obey their superiors and keep their word, they care nothing for the rights and freedoms of other individuals and are not averse to twisting the rules to work in their favor. Examples of this alignment include tyrants, devils, undiscriminating mercenary types who have a strict code of conduct, and loyal soldiers who enjoy the act of killing.
Like Lawful Good Paladins, Lawful Evil characters may sometimes find themselves faced with the dilemma of whether to obey law or evil when the two conflict. However, their issues with Law versus Evil are more concerned with "Will I get caught?" versus "How does this benefit me?"

Neutral Evil
Neutral Evil is called the "Malefactor" alignment. Characters of this alignment are typically selfish and have no qualms about turning on their allies-of-the-moment, and usually make allies primarily to further their own goals. They have no compunctions about harming others to get what they want, but neither will they go out of their way to cause carnage or mayhem when they see no direct benefit to it. They abide by laws for only as long as it is convenient for them. A villain of this alignment can be more dangerous than either Lawful or Chaotic Evil characters, since she or he is neither bound by any sort of honor or tradition nor disorganized and pointlessly violent.
Examples are an assassin who has little regard for formal laws but does not needlessly kill, a henchman who plots behind her or his superior's back, or a mercenary who switches sides if made a better offer.

Chaotic Evil
Chaotic Evil is referred to as the "Destroyer" or "Demonic" alignment. Characters of this alignment tend to have no respect for rules, other people's lives, or anything but their own desires, which are typically selfish and cruel. They set a high value on personal freedom, but do not have any regard for the lives or freedom of other people. They do not work well in groups, as they resent being given orders, and usually behave themselves only out of fear of punishment.
It is not compulsory for a Chaotic Evil character to be constantly performing sadistic acts just for the sake of being evil, or constantly disobeying orders just for the sake of causing chaos. They do however enjoy the suffering of others, and view honor and self-discipline as weaknesses. Serial killers and monsters of limited intelligence are typically Chaotic Evil.

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Tuesday, January 1, 2013

Make this mistake and you'll lose thousands when refinancing your ...

By Bob Sullivan

I had just borrowed about a quarter-million dollars and my question was simple: "How do I pay you back?"

The woman on the other end of the phone, however, couldn't tell me. Ten days had passed since I signed the papers to refinance my home and, with the holidays approaching, I was worried my first payment would be late. She tried to soothe me with perhaps the most misunderstood phrase of the refinancing process: "Don't worry. You get to skip a payment."

Had I listened to her, it would have cost me thousands of dollars. And if you are one of the millions of homeowners who will refinance in 2013, it could cost you, too.?


If your new year?s resolution is to save money or get control of the family budget, refinancing remains a really good option. But the idea that ?skipping? the first payment can be pain free, financially speaking, is a myth, repeated over and over by loan officers like mine. Sometimes they are lying, sometimes they are misinformed and sometimes they are just trying to get an annoying borrower like me off the phone. But with rare exception, they are giving bad advice.? (News flash: Whenever a bank seems to be doing you a favor, it probably has a hand in your wallet.)

Real estate transactions are already confusing enough. There are questions surrounding when you make your last payment on the old loan, when you make your first payment on the new loan, how many extra days of interest you pay toward both your old and your new loan, and when you are paying for both loans. We'll get to those tricky issues in a moment, but the priciest mistake you might make in a refinance is also the simplest one to correct.?

You've heard this before, but this time, it's probably true: mortgage interest rates are at historic lows, and there may never be a better time to refinance.? It's hard to imagine rates going any lower than the 3 percent range they are at now, but it's easy to imagine that, at the first signs of a real economic recovery or real inflation, they will climb sharply during 2013.? The low interest rates that the Federal Reserve has imposed to boost the economy have been punishing for many, notably savers, who can barely earn 1 percent interest on their bank accounts and certificates of deposit. The one perk for consumers from the Fed?s interest rate policy is the ability to get cheap home and auto loans. If you haven't refinanced your mortgage in the past 24 months or so, you are missing out.

Fortunately, many American homeowners have gotten the message. According to the Mortgage Bankers Association, mortgage holders engaged in $1.3 trillion worth of refinancing in 2012. In fact, more than four out of five new mortgages in 2012 were refinanced loans, not home purchases.

I wish there were a way to know how many of those borrowers chose to skip that first payment.

'Can I get that in writing?' 'No'
My loan officer was lazy, I believe, and -- knowing that my loan had closed and all the commissions were guaranteed -- just wanted me off the phone as soon as possible. My call was unusual. ?I am always overly cautious when I set up any kind of new loan payment, as the chances for error are great: a wrong loan number on a check, a bad address, etc. So I always make the first payment early to make sure nothing goes wrong.? That good habit proved profitable this time.

When I signed my loan papers, there were no payment instructions in my closing documents (not terribly unusual). My loan officer said I would receive payment coupons later.? But when 10 days passed, and I heard nothing, I called. She sent me to the bank's customer service line, where I was informed that there was no record of my loan. (Did that mean I didn?t have to pay it back? Sadly, No.) Customer service transferred me back to my loan officer. She assured me that their computers would catch up to my urge to pay the loan, and I?d get payment information soon. Incredulous that they seemed not to want my money, I persisted. She tapped a few keys on her keyboard, made me wait a minute, then told me that my loan had funded on Dec. 5, so I didn't have to make a payment until Feb. 1.

"But my documents say repayment begins Jan. 1," I said. "So you're saying there will be no late fees if I don't pay Jan. 1?"

"Yes," she said.

"Can I get that in writing.??

"No. I can't do that."

At that point, I did what any mature consumer would do: I laughed. And then I muttered something about the 100 pieces of paper they just made me sign, with innocuous documents putting the finest point on everything you can imagine, like the form I initialed in multiple places agreeing that, yes, I am known by Bob, Robert, Bobby, Robby and various other nicknames. Yet I couldn?t get the bank to put something in writing saying when I should make my loan payment?

My loan officer didn't laugh, but eventually she put me on the phone with a supervisor who sounded very grave. She'd done additional research, she said, and found out that the reason customer service couldn't find my loan was because it had already been sold to another bank. We called that bank together and found out my loan actually funded on Nov. 30, so my first payment was indeed due on Jan. 1. And I would have been liable for about an $80 late fee if I had listened to my loan officer. The manager profusely apologized.

Steep penalty anyway
But I'm not writing to warn you about late fees. There's a much bigger culprit here you have to worry about.? Had I followed my loan officer's advice and skipped a payment, even if the bank waived the late fee (which the manager said was likely), I would have paid a steep penalty anyway.? You've probably guessed the punch line: there's no such thing as skipping a payment. In reality, homeowners are borrowing that money and extending the loan term for an extra month.? The payment will be tacked onto the end of the loan, with interest.? How much? If it's a conventional loan, that?s 30 years? worth of interest.? Effectively, you are borrowing one month's payment for 30 years. Ouch!

"Skipping is a misnomer. A better description would be ?deferring with additional interest added,'" said Jack Guttentag, a professor emeritus at the University of Pennsylvania who also runs a consumer education website called MortgageProfessor.com.?

Just how much extra interest can skipping that first payment cost you? There are too many variables to create a decent rule of thumb. But here's an illustration from Guttentag's site with deliberately round numbers. Skip the first payment of $500 on a $100,000 loan at 6 percent, and you will pay an additional $2,993 in interest during the 30 years.

Forget the $75 late fee. That's real money. As Guttentag puts it, "a payment that is miniscule to one is a fortune to another."

Some loan officers say they only won't offer the "skip-a-payment" option unless the refinance closes toward the end of the month, when the homeowner might have trouble coming up with the extra cash for closing costs and a fresh mortgage payment close together.? Others say they offer it all the time.

To be clear: Most borrowers don?t actually complete their 30-year loans before moving or refinancing, so few would end up paying that high a penalty. Also, it's important to note that my bank didn't even hold the loan, so they weren't profiting from the ?skip-a-payment? advice.? I believe this is usually a lazy mistake, not a greedy one. Still, the basic truth holds.? Don't be tempted to skip a payment when you refinance unless you really, really need the cash for some unusual expense (Christmas credit card bills are probably not the best reason.)

Skipped payments are not to be confused with other loan closing related interest payments, including:

*Your last payment on the old loan. You can't skip that, either. If your loan closes near the end of the month, you should still make the scheduled payment to your old bank. Why?? Interest is actually paid in arrears, meaning you pay at the end of the month the cost of borrowing the money for that month.? It's confusing, because mortgage payments are really two payments at once -- last month's interest and next month's principal.? To keep it simple, if your loan closes on the Nov. 30, you will be paying November's interest with your Dec. 1 payment, along with December?s principal. You won't need to make the December principal payment if you refinance on Nov. 30, but most folks pay far more in interest than principal because they are early in their loan's term, so the overpayment won't be large. Just pay it to avoid late fees, and enjoy any refund that comes your way.?

*Pre-paid interest. When your loan closes in the middle of the month, your new bank will make you pay up-front (as opposed to in arrears) daily interest for the remaining days of the month. If you close on the 20th, you'll pay 10 more days of interest payments.? That's OK, it means you won't owe the money on the back end of the loan.

*Money for nothing: The three-day (or more) overlap. There's an odd quirk in most refinancing deals in which there are several days when the homeowner will be paying interest on the same loan to both banks. In most states, consumers have a three-day "right of rescission" after signing their refinancing papers, meaning they can cancel the new loan if they get buyer's remorse.? Such regret laws are very consumer-friendly and are necessary because of nefarious loan officers who tricked consumers into bad deals in the past. But, in this case, the consumer-friendly law is also costly, as it means both banks have liability for the loan during that rescission period, and are both entitled to collect interest.? Note: The regret period is usually three business days, so if your closing stretches over a weekend, the double-interest period can be even more costly.

It's important to keep all these quirky, refinance-related interest payments straight when talking to your loan officer, so you'll know what to do when he or she suggests you can skip a payment. None of this should scare you away from refinancing, which is really the only way you can make the recession work for you.

But remember, you are refinancing to save money, and you probably shopped around trying to save $50 here or $100 there on closing costs; don't lose thousands of dollars because of one false move after closing.

* Follow Bob Sullivan on?Facebook.

* Follow Bob Sullivan on?Twitter.

More from Red Tape Chronicles:

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Source: http://redtape.nbcnews.com/_news/2013/01/01/16239394-make-this-mistake-and-youll-lose-thousands-when-refinancing-your-mortgage

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The Top Small Business Posts and Trends of 2012 ? Firmology ...

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celebrate

Well that was fast. 2012 is over and it feels like the year just began. Like any smart growing business, we took a step back and analyzed the past year?s accomplishments.

Here are some of the milestones we?ve achieved this year thanks to our Firmology audience!

We also took a look at our top posts of 2012 and noticed some interesting trends:

  • Six out of the top ten posts are about?small business and their mobile needs. Interesting! Mobile is certainly playing a greater role in society and small businesses are clearly looking to get in on the action. We?ll be sure to ramp up our mobile resources in 2013!
  • Four of the top ten posts are about?LinkedIn or contact management apps, proving once again that the old guards of professional networking and business cards continue to experience disruption. The business card and old contact management methods are on life support.
  • Tech support for small businesses is in demand. We were completely surprised by the success of our Geek Squad for small businesses post, which highlights the need for inexpensive tech support for small businesses.

Top Small Business Posts of 2012

  1. An Alternative to LinkedIn?s CardMunch: How to Build a Business Card Database Using Evernote Hello
  2. Forget LinkedIn CardMunch & Evernote Hello. 5Degrees is the Best Mobile Contact Manager We?ve Seen
  3. Geek Squad Wants to Be Your Small Business Computer Guy
  4. 10 Powerful iPhone Apps for Your Small Business
  5. Here Are the Top 50 Small Business Influencers You Should Follow on Twitter
  6. COMPARISON: Outlook.com versus Gmail versus Hotmail
  7. LinkedIn Relaunches CardMunch, the iPhone App That Will End the Use of Business Cards
  8. Mobile Contact Manager Evernote Hello for Android Helps Business Professionals Remember New People
  9. Qualaroo (Formerly KISSinsights) Changes Pricing Plan and Releases Enhancements for Free Users
  10. The 16 Best Mobile Apps for Small Business

January 2012

  1. The Ikea of Children?s Retail
  2. What Kind of Entrepreneur Are You? [INFOGRAPHIC]
  3. 10 Powerful iPhone Apps for Your Small Business

February 2012

  1. 10 Powerful iPhone Apps for Your Small Business
  2. The Ikea of Children?s Retail
  3. LinkedIn Relaunches CardMunch, the iPhone App That Will End the Use of Business Cards

March 2012

  1. 10 Powerful iPhone Apps for Your Small Business
  2. The 16 Best Mobile Apps for Small Business
  3. Warby Parker: The Toms Shoes and Zappos of Eyeglasses

April 2012

  1. 10 Powerful iPhone Apps for Your Small Business
  2. Dollar Shave Club Lathers Up and Shaves Off a Slice of the $13 Billion Men?s Razor Industry
  3. How to Use LinkedIn Plugins to Make Your Small Business Website More Engaging

May 2012

  1. 10 Powerful iPhone Apps for Your Small Business
  2. WARNING: Google?s Penguin Search Algorithm Update Hurting Small Businesses
  3. Top 10 U.S. Cities with Most Social Media Savvy Small Businesses

June 2012

  1. Here Are the Top 50 Small Business Influencers You Should Follow on Twitter
  2. 10 Powerful iPhone Apps for Your Small Business
  3. Dwolla Empowers Small Businesses to Ditch Visa and Mastercard [Techweek]

July 2012

  1. Forget LinkedIn CardMunch & Evernote Hello. 5Degrees is the Best Mobile Contact Manager We?ve Seen
  2. Here Are the Top 50 Small Business Influencers You Should Follow on Twitter
  3. An Alternative to LinkedIn?s CardMunch: How to Build a Business Card Database Using Evernote Hello

August 2012

  1. COMPARISON: Outlook.com versus Gmail versus Hotmail
  2. An Alternative to LinkedIn?s CardMunch: How to Build a Business Card Database Using Evernote Hello
  3. Tips on How Your Small Business Can Effectively Manage a Virtual Team

September 2012

  1. An Alternative to LinkedIn?s CardMunch: How to Build a Business Card Database Using Evernote Hello
  2. Geek Squad Wants to Be Your Small Business Computer Guy
  3. How to Avoid and Deal with Spam on Twitter

October 2012

  1. An Alternative to LinkedIn?s CardMunch: How to Build a Business Card Database Using Evernote Hello
  2. Geek Squad Wants to Be Your Small Business Computer Guy
  3. Forget LinkedIn CardMunch & Evernote Hello. 5Degrees is the Best Mobile Contact Manager We?ve Seen

November 2012

  1. An Alternative to LinkedIn?s CardMunch: How to Build a Business Card Database Using Evernote Hello
  2. Forget LinkedIn CardMunch & Evernote Hello. 5Degrees is the Best Mobile Contact Manager We?ve Seen
  3. Geek Squad Wants to Be Your Small Business Computer Guy

December 2012

  1. An Alternative to LinkedIn?s CardMunch: How to Build a Business Card Database Using Evernote Hello
  2. Forget LinkedIn CardMunch & Evernote Hello. 5Degrees is the Best Mobile Contact Manager We?ve Seen
  3. COMPARISON: Outlook.com versus Gmail versus Hotmail

2012 was a solid year for growth and we expect 2013 to be even better. Our goal is to make it easier for small business owners to run their business, so let us know in the comments below what you?d like to see more of on Firmology (or drop us a note on any of our social media channels).

Happy New Year!

Philip

For more small business resources, follow?Firmology?on?Twitter?or?LinkedIn.

To contact the writer on this story: Philip Nowak in Chicago at philip.nowak@firmology.com. Please?contact us?if you?d like to?submit a small business innovation story or small business tech startup, product or service.

Written by Philip Nowak

Philip Nowak is the founder of Firmology, a?small business news?and information media company focused on helping small business owners grow their business through technology and innovation.?You can find Philip on?Google+,?Twitter?and?LinkedIn.

Source: http://www.firmology.com/2012/12/31/the-top-small-business-posts-and-trends-of-2012/

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Sandy Hook students, teachers head back to school

NEWTOWN, Conn. (AP) ? Since escaping a gunman's rampage at their elementary school, the 8-year-old Connors triplets have suffered nightmares, jumped at noises and clung to their parents a little more than usual.

Now parents like David Connors are bracing to send their children back to school, nearly three weeks after the shooting rampage at Sandy Hook Elementary School in Newtown. It won't be easy ? for the parents or the children, who heard the gunshots that killed 20 of their classmates and six educators.

"I'm nervous about it," Connors said. "It's unchartered waters for us. I know it's going to be difficult."

Classes are starting Thursday at a repurposed school in the neighboring town of Monroe, where the students' desks have been taken along with backpacks and other belongings that were left behind in the chaos following the shooting on Dec. 14. Families have been coming in to see the new school, and an open house is scheduled for Wednesday.

An army of workers has been getting the school ready, painting, moving furniture and even raising the floors in the bathrooms of the former middle school so the smaller elementary school students can reach the toilets.

Connors, a 40-year-old engineer, felt reassured after recently visiting the new setup at the former Chalk Hill school in Monroe. He said his children were excited to see their backpacks and coats, and that the family was greeted by a police officer at the door and grief counselors in the hallways.

Teachers will try to make it as normal a school day as possible for the children, schools Superintendent Janet Robinson said.

"We want to get back to teaching and learning," she said. "We will obviously take time out from the academics for any conversations that need to take place, and there will be a lot of support there. All in all, we want the kids to reconnect with their friends and classroom teachers, and I think that's going to be the healthiest thing."

Teachers are returning as well, and some have already been working on their classrooms. At some point, all those will be honored, but officials are still working out how and when to do so, Robinson said.

"Everyone was part and parcel of getting as many kids out of there safely as they could," she said. "Almost everybody did something to save kids. One art teacher locked her kids in the kiln room, and I got a message from her on my cellphone saying she wouldn't come out until she saw a police badge."

After the evacuation, teachers grouped their children at a nearby fire station, Robinson said. One sang songs, while others read to the students, she said.

Julian Ford, a clinical psychologist at the University of Connecticut who helped counsel families in the days immediately following the shooting, recommended addressing it as questions come up but otherwise focusing on regular school work.

"Kids just spontaneously make associations and will start talking about something that reminds them of someone, or that reminds them of some of the scary parts of the experience," Ford said. "They don't need a lot of words; they need a few selective words that are thoughtful and sensitive, like, 'We're going to be OK,' and 'We really miss this person, but we'll always be able to think about her or him in ways that are really nice.'"

It will be important for parents and teachers to listen and be observant, Ford said.

"Each of the boys and girls are going to have different reactions to different aspects of the environment, different little things that will be reminders to them," he said.

Parents might have a harder time with fear than children, Ford said.

Before the shooting, a baby sitter would take Connors' children to the bus stop. But Connors said he'll probably take the third-graders to the bus the first few days.

"I think that they need to get back into a normal routine as quickly as possible," Connors said. "If you're hovering over them at all times, it almost intensifies the fear for them."

His children, who escaped unharmed, ask questions about the gunman.

"It's hard for us to say why," Connors said. "That's kind of what we tell them. This person wasn't well, was sick and didn't get the help he needed."

Connors said his children are excited to go back to school but predicted they might be nervous as the first day approaches. He hopes the grief counseling services continue, he said.

"It's going to be a long road back," Connors said. "Back to what I guess is the biggest question. Everyone keeps throwing that word around the new normal. What does the new normal look like? I think everybody kind of has to define that for themselves."

Source: http://news.yahoo.com/sandy-hook-students-teachers-head-back-school-162954873.html

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