(AP)

Islam is not a religion nor is it a cult. It is a complete system.
Islam has religious, legal, political, economic and military components. The religious component is a beard for all the other components.

Islamization occurs when there are sufficient Muslims in a country to agitate for their so-called ?religious rights.?
When politically correct and culturally diverse societies agree to ?the reasonable? Muslim demands for their ?religious rights,? they also get the other components under the table. Here?s how it works (percentages source CIA: The World Fact Book (2007)).
As long as the Muslim population remains around 1% of any given country they will be regarded as a peace-loving minority and not as a threat to anyone. In fact, they may be featured in articles and films, stereotyped for their colorful uniqueness:

United States ? Muslim 1.0%
Australia ? Muslim 1.5%
Canada ? Muslim 1.9%
China ? Muslim 1%-2%
Italy ? Muslim 1.5%
Norway ? Muslim 1.8%

At 2% and 3% they begin to proselytize from other ethnic minorities and disaffected groups with major recruiting from the jails and among street gangs:

Denmark ? Muslim 2%
Germany ? Muslim 3.7%
United Kingdom ? Muslim 2.7%
Spain ? Muslim 4%
Thailand ? Muslim 4.6%

From 5% on they exercise an inordinate influence in proportion to their percentage of the population.
They will push for the introduction of halal (clean by Islamic standards) food, thereby securing food preparation jobs for Muslims. They will increase pressure on supermarket chains to feature it on their shelves ? along with threats for failure to comply. ( United States ).

France ? Muslim 8%
Philippines ? Muslim 5%
Sweden ? Muslim 5%
Switzerland ? Muslim 4.3%
The Netherlands ? Muslim 5.5%
Trinidad &Tobago ? Muslim 5.8%

At this point, they will work to get the ruling government to allow them to rule themselves under Sharia, the Islamic Law. The ultimate goal of Islam is not to convert the world but to establish Sharia law over the entire world.
When Muslims reach 10% of the population, they will increase lawlessness as a means of complaint about their conditions ( Paris ?car-burnings). Any non-Muslim action that offends Islam will result in uprisings and threats ( Amsterdam ? Mohammed cartoons).

Guyana ? Muslim 10%
India ? Muslim 13.4%
Israel ? Muslim 16%
Kenya ? Muslim 10%
Russia ? Muslim 10-15%

After reaching 20% expect hair-trigger rioting, jihad militia formations, sporadic killings and church and synagogue burning:
Ethiopia ? Muslim 32.8%

At 40% you will find widespread massacres, chronic terror attacks and ongoing militia warfare:

Bosnia ? Muslim 40%
Chad ? Muslim 53.1%
Lebanon ? Muslim 59.7%

From 60% you may expect unfettered persecution of non-believers and other religions, sporadic ethnic cleansing (genocide), use of Sharia Law as a weapon and Jizya, the tax placed on infidels:

Albania ? Muslim 70%
Malaysia ? Muslim 60.4%
Qatar ? Muslim 77.5%
Sudan ? Muslim 70%

After 80% expect State run ethnic cleansing and genocide:

Bangladesh ? Muslim 83%
Egypt ? Muslim 90%
Gaza ? Muslim 98.7%
Indonesia ? Muslim 86.1%
Iran ? Muslim 98%
Iraq ? Muslim 97%
Jordan ? Muslim 92%
Morocco ? Muslim 98.7%
Pakistan ? Muslim 97%
Palestine ? Muslim 99%
Syria ? Muslim 90%
Tajikistan ? Muslim 90%
Turkey ? Muslim 99.8%
United Arab Emirates ? Muslim 96%

100% will usher in the peace of ?Dar-es-Salaam? ? the Islamic House of Peace ? there?s (supposed) to be peace because everybody is a Muslim: we know however that this isnt true is it...?

Afghanistan ? Muslim 100%
Saudi Arabia ? Muslim 100%
Somalia ? Muslim 100%
Yemen ? Muslim 99.9%

Of course, that?s not the case. To satisfy their religiously ordained blood lust, Muslims then start killing each other for a variety of reasons...and they are coming to a neighborhood near you...so keep thinking they are not going to harm you and they "accept" you.

Source: http://us.rd.yahoo.com/dailynews/rss/iraq/*http%3A//news.yahoo.com/s/ap/20120127/ap_on_re_mi_ea/ml_apnewsalert

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Captain America 2 Filming in 2012?

With The Avengers?owning?2012 all to itself ? along with Iron Man 3 and Thor 2 having already staked out the separate halves of 2013 as their own ? it?s been assumed that Captain America 2 is the most likely candidate to snag one of the two 2014 release dates that Marvel Studios has already claimed.

According to Captain America costar Neal McDonough, who plays the bowler-capped Dum Dum Dugan, filming on the (currently) director-less sequel is slated to begin before 2012 comes to a close. Such a move would both pave the way for Cap?s next solo venture to reach theaters by 2014 ? and, set the stage for production to begin on one of the many other?single Marvel character-centric vehicles being developed right now.

IMDB Television was chatting recently with McDonough about his new role as a sophisticated crime boss on FX?s Justified, when the actor casually revealed the following tidbit about the next Captain America flick:

?They?re planning [to go into production] for the end of this year, because Marvel does one film at a time. So they?re going to do ?Thor 2??and as soon as ?Thor??has wrapped, they?ll do ?Cap 2?. Hopefully right after that, we?ll jump into ?Nick Fury??because that?s the one I?m looking forward to more than anything.?

While both a Nick Fury solo movie and S.H.I.E.L.D. flick are definite possible future Marvel endeavors, it seems more likely that only one or the other will eventually be made. More so, with other big titles like The Avengers 2?on the horizon, there?s always the chance that studio heads will ultimately hold off all the longer on producing a solo vehicle for Samuel L. Jackson?s one-eyed alter ego.

Moving on ? it sounds as though the Captain America sequel is (unofficially) set to arrive in 2014 now, even if production doesn?t begin quite as early as McDonough expects. That means the second Cap-centered movie should also be the ?big? Marvel release of that year ? with the other Marvel-marked release date being reserved for the live-action debut of a character like Ant-Man or Doctor Strange, whose respective solo vehicles are both reported to be making solid progress down the production pipeline.

Thor and Captain America team up in 'The Avengers'

Now that Avengers writer/director Joss Whedon has confirmed that the film unfolds from Cap?s perspective, it sounds as though the first Captain America?movie, The Avengers, and Captain America 2 will essentially form a direct trilogy, in terms of Steve Rogers? (Chris Evans) personal character arc.

Screenwriting duo Christopher Markus and Stephen McFeely?s previous comments about how Cap?s second solo film will largely take place in a contemporary setting make all the more sense, in that regard ? seeing how CA 2 looks to now be even more of a direct continuation of the Avengers? narrative than either the second Thor or third Iron Man?installment.

All of the aforementioned upcoming Marvel titles are going to (at the least, partially) be affected by the success of The Avengers ? which is poised to test the comic book studio?s plans, when it comes to the feasibility of creating a shared movie universe akin to that featured in Marvel?s graphic novel literature. Best to hold off and see just how everything goes down in Whedon?s superhero ensemble flick, before speculating too?much about the films that take place thereafter.

-

The Avengers hits theaters in the U.S. on May 4th, 2012.

Don?t be surprised if Marvel officially confirms Captain America 2 for a May 16th, 2014 theatrical release date ? in the near future, that is.

Source: IMDB Television (via JoBlo and Collider)

Source: http://www.rottentomatoes.com/m/1924385/news/1924385/

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Robert Hegyes, played Epstein on 'Kotter,' dies (AP)

METUCHEN, N.J. ? Robert Hegyes, the actor best known for playing Jewish Puerto Rican student Juan Epstein on the 1970s TV show "Welcome Back Kotter" has died. He was 60.

The Flynn & Son Funeral Home in Fords, N.J., said it was informed of Hegyes' death Thursday by the actor's family.

A spokesman at JFK Medical Center in Edison, N.J., told the Star-Ledger newspaper that Hegyes, of Metuchen, arrived at the hospital Thursday morning in full cardiac arrest and died.

Hegyes was appearing on Broadway in 1975 when he auditioned for "Kotter," a TV series about a teacher who returns to the inner-city New York school of his youth to teach a group of irreverent remedial students nicknamed the "Sweathogs." They included the character Vinnie Barbarino, played by John Travolta.

The show's theme song, performed by John Sebastian, became a pop hit.

Hegyes also appeared on many other TV series, including "Cagney & Lacey."

He was born in Perth Amboy and grew up in Metuchen, the eldest child of a Hungarian father and Italian mother.

He attended Rowan University, formerly Glassboro State College, in southern New Jersey, before heading to New York City after graduation. He returned to Rowan on several occasions to teach master classes in acting, a university spokesman said Thursday.

"He was a good friend to the university," spokesman Joe Cardona said.

Hegyes continued to act after "Kotter" and was a regular on "Cagney & Lacey." He also guest-starred in shows including "Diagnosis Murder" and "The Drew Carey Show."

On his website, Hegyes wrote that he was inspired by Chico Marx, whom he had played in a touring production of a show about the Marx Bros. He also recalled how his mother encouraged him to get involved in theater as a teen.

Source: http://us.rd.yahoo.com/dailynews/rss/entertainment/*http%3A//news.yahoo.com/s/ap/20120127/ap_en_ot/us_obit_robert_hegyes

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Labor board chief to press for new union rules (AP)

WASHINGTON ? The chairman of the National Labor Relations Board hopes to have another round of regulations in place by the end of the year that would make it easier for unions to establish and win representation elections in workplaces.

Undeterred by Republican protests, Mark Pearce said he will urge the board to approve the new rules now that it has a full component of five members after President Barack Obama bypassed the Senate to fill three vacancies.

"We keep our eye on the prize," Pearce said in an interview with The Associated Press. "Our goal is to create a set of rules that eliminate a lot of waste of time, energy and money for the taxpayers."

One change Pearce wants is requiring businesses to hand over lists of employee phone numbers and emails to union leaders before an election.

He also wants the board to consider other rule changes it didn't have time to approve before it lost a quorum last year. They include the use of electronic filings and quicker timetables for certain procedures.

"My personal hope is that we take on all of these things and consider each one of these rules," Pearce said. "We presume the constitutionality of the president's appointments and we go forward based on that understanding."

GOP leaders have challenged the recess appointments as unconstitutional, saying the Senate was not technically in recess when Obama acted. Republicans had threatened to block confirmation votes on any nominees to fill the three NLRB vacancies, saying the board was making too many union-friendly decisions.

If the board decides to propose the new rules, they would expand on sweeping regulations approved in December that speed up the process for holding union elections at work sites after unions collect enough signatures from employees. Those rules are slated to take effect on April 30.

While the first round of rules won praise from union leaders, business groups claim they allow "ambush elections" that won't give employers enough time to talk to employees about whether to choose a union.

Business groups and their Republican allies say the latest push confirms their fears that the new board ? now led by three Democrats and two Republicans ? will approve even more rules that make it easier for unions to organize new members.

"I knew this was going to happen," said Rep. Trey Gowdy, R-S.C., a member of the House Committee on Education and the Workforce. "The NLRB has lost all pretense of objectivity in my judgment."

White House officials say Obama was justified in going around the Senate since some Republicans had vowed to block any nominations in order to paralyze the NLRB. The five-member board is not allowed to consider cases or rules unless it has a quorum of at least three members.

Randel Johnson, the U.S. Chamber of Commerce's vice president on labor issues, said he is surprised the board would try to adopt even more new rules that businesses fiercely oppose.

"If they're going to go forward on that basis, I think that removes any pretense at all that they are not in the back pocket of the union movement," Johnson said.

AFL-CIO spokeswoman Alison Omens called Pearce's comments "a reasonable, balanced approach to ensure that every person has a voice on the job."

"The board is obviously taking modest steps to create a level playing field and bring stability to a process that's been outdated," Omens said.

Republicans in Congress are vowing to put more pressure on the agency, with at least two hearings on the NLRB recess appointments planned next month before the House Committee on Education and the Workforce and the House Judiciary Committee.

"If the board is determined to continue advancing it's pro-union agenda, House Republicans will continue to maintain aggressive oversight," said Brian Newell, spokesman for education committee Chairman John Kline, R-Minn.

Pearce said he wants the NLRB to become "a household word" for all workers, not just those affiliated with organized labor.

"We want the agency to be known as the resource for people with workplace concerns that may have nothing to do with union activities," he said.

He said many workers don't understand that they can seek recourse with the NLRB to protect rights that exist outside of union protections.

Source: http://us.rd.yahoo.com/dailynews/rss/us/*http%3A//news.yahoo.com/s/ap/20120125/ap_on_re_us/us_labor_board_union_elections

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New drone has no pilot anywhere, so who's accountable?

The Navy's new drone being tested near Chesapeake Bay stretches the boundaries of technology: It's designed to land on the deck of an aircraft carrier, one of aviation's most difficult maneuvers.

What's even more remarkable is that it will do that not only without a pilot in the cockpit, but without a pilot at all.

The X-47B marks a paradigm shift in warfare, one that is likely to have far-reaching consequences. With the drone's ability to be flown autonomously by onboard computers, it could usher in an era when death and destruction can be dealt by machines operating semi-independently.

Although humans would program an autonomous drone's flight plan and could override its decisions, the prospect of heavily armed aircraft screaming through the skies without direct human control is unnerving to many.

"Lethal actions should have a clear chain of accountability," said Noel Sharkey, a computer scientist and robotics expert. "This is difficult with a robot weapon. The robot cannot be held accountable. So is it the commander who used it? The politician who authorized it? The military's acquisition process? The manufacturer, for faulty equipment?"

Sharkey and others believe that autonomous armed robots should force the kind of dialogue that followed the introduction of mustard gas in World War I and the development of atomic weapons in World War II. The International Committee of the Red Cross, the group tasked by the Geneva Conventions to protect victims in armed conflict, is already examining the issue.

"The deployment of such systems would reflect ? a major qualitative change in the conduct of hostilities," committee President Jakob Kellenberger said at a recent conference. "The capacity to discriminate, as required by [international humanitarian law], will depend entirely on the quality and variety of sensors and programming employed within the system."

Weapons specialists in the military and Congress acknowledge that policymakers must deal with these ethical questions long before these lethal autonomous drones go into active service, which may be a decade or more away.

Rep. Henry Cuellar (D-Texas) said policy probably will first be discussed with the bipartisan drone caucus that he co-chairs with Rep. Howard P. "Buck" McKeon (R-Santa Clarita). Officially known as the Congressional Unmanned Systems Caucus, the panel was formed in 2009 to inform members of Congress on the far-reaching applications of drone technology.

"It's a different world from just a few years ago ? we've entered the realm of science fiction in a lot of ways," Cuellar said. "New rules have to be developed as new technology comes about, and this is a big step forward."

Aerial drones now piloted remotely have become a central weapon for the CIA and U.S. military in their campaign against terrorists in the Middle East. The Pentagon has gone from an inventory of a handful of drones before Sept. 11, 2001, to about 7,500 drones, about one-third of all military aircraft.

Despite looming military spending cuts, expenditures on drones are expected to take less of a hit, if any, because they are cheaper to build and operate than piloted aircraft.

All military services are moving toward greater automation with their robotic systems. Robotic armed submarines could one day stalk enemy waters, and automated tanks could engage soldiers on the battlefield.

"More aggressive robotry development could lead to deploying far fewer U.S. military personnel to other countries, achieving greater national security at a much lower cost and most importantly, greatly reduced casualties," aerospace pioneer Simon Ramo, who helped develop the intercontinental ballistic missile, wrote in his new book, "Let Robots Do the Dying."

The Air Force wrote in an 82-page report that outlines the future usage of drones, titled "Unmanned Aircraft Systems Flight Plan 2009-2047," that autonomous drone aircraft are key "to increasing effects while potentially reducing cost, forward footprint and risk." Much like a chess master can outperform proficient chess players, future drones will be able to react faster than human pilots ever could, the report said.

And with that potential comes new concerns about how much control of the battlefield the U.S. is willing to turn over to computers.

There is no plan by the U.S. military ? at least in the near term ? to turn over the killing of enemy combatants to the X-47B or any other autonomous flying machine. But the Air Force said in the "Flight Plan" that it's only a matter of time before drones have the capability to make life-or-death decisions as they circle the battlefield. Even so, the report notes that officials will still monitor how these drones are being used.

"Increasingly humans will no longer be 'in the loop' but rather 'on the loop' ? monitoring the execution of certain decisions," the report said. "Authorizing a machine to make lethal combat decisions is contingent upon political and military leaders resolving legal and ethical questions."

Peter W. Singer, author of "Wired for War," a book about robotic warfare, said automated military targeting systems are under development. But before autonomous aerial drones are sent on seek-and-destroy missions, he said, the military must first prove that it can pull off simpler tasks, such as refueling and reconnaissance missions.

That's where the X-47B comes in.

"Like it or not, autonomy is the future," Singer said. "The X-47 is one of many programs that aim to perfect the technology."

The X-47B is an experimental jet ? that's what the X stands for ? and is designed to demonstrate new technology, such as automated takeoffs, landings and refueling. The drone also has a fully capable weapons bay with a payload capacity of 4,500 pounds, but the Navy said it has no plans to arm it.

The Navy is now testing two of the aircraft, which were built behind razor-wire fences at Northrop Grumman Corp.'s expansive complex in Palmdale, where the company manufactured the B-2 stealth bomber.

Funded under a $635.8-million contract awarded by the Navy in 2007, the X-47B Unmanned Combat Air System Carrier Demonstration program has grown in cost to an estimated $813 million.

Last February, the first X-47B had its maiden flight from Edwards Air Force Base, where it continued testing until last month when it was carried from the Mojave Desert to Naval Air Station Patuxent River in southern Maryland. It is there that the next stage of the demonstration program begins.

The drone is slated to first land on a carrier by 2013, relying on pinpoint GPS coordinates and advanced avionics. The carrier's computers digitally transmit the carrier's speed, cross-winds and other data to the drone as it approaches from miles away.

The X-47B will not only land itself, but will also know what kind of weapons it is carrying, when and where it needs to refuel with an aerial tanker, and whether there's a nearby threat, said Carl Johnson, Northrop's X-47B program manager. "It will do its own math and decide what it should do next."

william.hennigan@latimes.com

Source: http://feeds.latimes.com/~r/latimes/news/science/~3/tvya1cn-Vhw/la-fi-auto-drone-20120126,0,6770860.story

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Chesapeake to cut natural gas production (AP)

NEW YORK ? Faced with decade-low natural gas prices that have made some drilling operations unprofitable, Chesapeake Energy Corp. says it will drastically cut drilling and production of the fuel in the U.S.

Chesapeake, the nation's second largest natural gas producer, said Monday that it plans to cut its current daily production by 8 percent. Over a year, that means the company would produce the same or slightly less natural gas in 2012 than it did in 2011. Chesapeake produces about 9 percent of the nation's natural gas.

That's a change from the dramatic increase in domestic output seen in recent years. Chesapeake and other drillers have learned to tap enormous reserves of natural gas trapped in shale formations under several states using a controversial drilling method known as hydraulic fracturing combined with horizontal drilling. The drillers force millions of gallons of water and sand, laced with chemicals, into compact rock to create cracks that serve as escape routes for the gas.

Extreme weather for two winters and two summers kept natural gas prices high by boosting demand for home heating and power generation. But this season's mild winter weather especially in the Northeast and Upper Midwest, has crimped demand and led to a glut.

Natural gas futures slipped to $2.32 per 1,000 cubic feet last week, their lowest levels since 2002, before rising slightly to $2.34 on Friday. Prices have fallen 23 percent since the beginning of the year. Storage levels of the fuel are 21 percent higher than their 5-year average for this time of year, according to the Energy Information Administration.

The drop in price has meant lower revenues and profits for drillers. Analysts surveyed by FactSet estimate that Chesapeake's earnings fell to $2.81 per share in 2011, excluding special items, from $2.95 per share in 2010. They say at today's prices only the least expensive, most productive natural gas wells remain profitable for drillers.

In trading in New York Monday, natural gas prices rose 6.4 percent to $2.546 per 1,000 cubic feet, getting a boost from the Chesapeake announcement. Chesapeake shares gained 5.7 percent to $22.15.

Drillers had already begun to shift their drilling activity toward shale formations and other regions that produce oil and other liquid hydrocarbons. Strong global demand has kept oil prices high and made these drilling operations extraordinarily profitable.

Chesapeake said it would cut its current activity in so-called dry-gas regions by half, to 24 rigs, by the second quarter. That's 67 percent fewer rigs than an average of 75 rigs the company had in use last year.

Chesapeake increased natural gas production by 13.5% from 2010 to 2011. It now plans to cut spending on natural gas regions to $1 billion in 2012, down from $3.1 billion in 2011.

The plan calls for a cut of 500 million cubic feet of gas per day, about 8 percent of its current production, in two drilling regions in Texas, Arkansas and Louisiana.

The move is designed to reduce the glut of natural gas in the country, and therefore increase prices. But analysts caution that drillers historically have reneged on plans to cut output in times of low prices, bowing to pressure from investors to increase production.

Also, even as drillers avoid dry-gas regions, they are aggressively increasing drilling in regions rich in oil and other liquids. Those regions also produce large amounts of natural gas, which will help keep total natural gas production high and will likely keep prices relatively low.

Chesapeake and others are also working to stimulate demand for the fuel, advocating its use as a transportation fuel or exporting it. International natural gas prices are high because they are linked to the price of oil.

Jonathan Fahey can be reached at http://twitter.com/JonathanFahey.

Source: http://us.rd.yahoo.com/dailynews/rss/energy/*http%3A//news.yahoo.com/s/ap/20120123/ap_on_bi_ge/us_chesapeake_natural_gas_slowdown2nd_ld

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Carnval of Personal Finance - Words of Wisdom Edition | Matt About ...

It?s my pleasure to host this week?s 345^th edition of the Carnival of Personal Finance.

If you?re not familiar with a blog carnival, it?s a showcase of some of the best writing from throughout the blogosphere, with bloggers submitting one of their best recent posts.? This particular carnival, which features rotating hosts, has been in operation since the summer of 2005.

I thought it would be fitting to intersperse this week?s picks with quotes that feature additional words of wisdom or points to ponder.

Editor?s Picks

?The ancient Greek definition of happiness was the full use of your powers along lines of excellence.? ? John F. Kennedy

There were lots of great entries in this week?s carnival, but I thought the following two were especially good.

Bob at ChristianPF shares an important idea he calls Get Your Financial Life on One Page, which recasts what can be a tiresome financial chore into an act of love.

Roshawn Watson at Watson Inc asks Do You Have the Courage to be Wealthy?, pointing to a key character trait that can either hold us back in so many areas of life or propel us forward.

Money Management

?Action expresses priorities.? ?Mahatma Gandhi

Laura Edgar from NerdWallet offers some good guidance for Sticking to Your Resolutions, along with a quiz to see which of two approaches may be best for you.

SB at One Cent at a Time says resolutions aren?t enough; you need to become obsessed with what you want.? Read more at 5 Obsessions Towards Financial Freedom and Becoming Rich.

Sustainable PF offers rational ways for Beating Irrational Financial Behavior.

Jon the Saver from Free $ Wisdom shares 3 Financial Lessons I?ve Learned From Angry Birds.? Don?t worry, you don?t need to have played the game to get the lessons.

Jeffrey at Saving Advice provides Money Lessons Learned From ?The Firm,? a movie that demonstrates in many ways the old adage: money changes people.

Investing

?October:? This is one of the peculiarly dangerous months to speculate in stocks. The others are July, January, September, April, November, May, March, June, December, August and February.? ? Mark Twain

Diva at Diva in Debt covers the latest personal finance controversy with More Bad News for Suze Orman.

Div Guy at The Dividend Guy Blog helps clear the fog from our economic binoculars with If You Want to Know Where the Stock Market is Heading, Read the Following.

Philip at PT Money brings us up to date on 2012 Traditional and Roth IRA Contribution Limits.

FIRE Finance offers Three Good Habits of Successful Retirees, reviewing the traits of successful long-term investors.

Economy

?Government?s view of the economy could be summed up in a few short phrases: If it moves, tax it. If it keeps moving, regulate it. And if it stops moving, subsidize it.? ? Ronald Reagan

PK at Don?t Quit Your Day Job submitted Another Salary By Major Chart, which may help those headed for college choose a productive path.

Taxes

?Did you ever notice that when you put the words ?The? and ?IRS? together, it spells ?THEIRS???? ? Author Unknown

Glen Craig at Free From Broke encourages us not to pay more in taxes than we have to with 10 Common Overlooked Tax Deductions.

Career

?Work while you have the light. You are responsible for the talent that has been entrusted to you.? ? Henri-Frederic Amiel

Mike at The Financial Blogger shows other bloggers what?s made a big difference in his success with This Image Will Make You a Believer.

For business owners, Peter at Bible Money Matters has a helpful reminder on How to Prepare and File A 1099 For Contract and Freelance Workers.

Credit

?Before borrowing money from a friend, decide which you need most.? ? American Proverb

Erik at DollarVersity opens up a bit of a debate with Are Credit Scores Still Relevant?

Real Estate

?A man builds a fine house, and now he has a master, and a task for life.? ? Ralph Waldo Emerson

Martin at Passive Income Now has advice for landlords in Maintaining Your Rental Property Once You Hand the Keys Over.

Frugality

?Economy is half the battle of life; it is not so hard to earn money as to spend it well.? ? C.H. Spurgeon

Squirrelers offers 12 Expenses to Cut, reminding us of some discretionary spending that we may have re-categorized as essential.

Finance

?Money is better than poverty, if only for financial reasons.?? ? Woody Allen

Roger Wohlner at Chicago Financial Planner offers The Similarities Between Buying Coffee and Choosing a Financial Planner.? A key to choosing well in both cases is knowing what you?re getting for your money.

Budgeting

?Planning is bringing the future into the present so that you can do something about it now.? ?Alan Lakein

Dan Meyers from Your Life, Their Life explains Why We Use a Cash Budget, backing up lots of research that shows people tend to spend less when they pitch the plastic.

Saving

?In the old days a man who saved money was a miser; nowadays he?s a wonder.? ?Author Unknown

Martin at Studenomics reminds us of a classic way to start building savings in What?s the Best Way to Start Saving Money Right Now?

Other

?Plans are worthless.? Planning is essential.? ? Dwight D. Eisenhower

Money Beagle has ambitions to get lots of stuff done this year.? Hence, My List of 500 Things To Do This Year.? It may sound overwhelming, but when you break the idea down month by month, it may just help you stay organized, reduce clutter, and avoid buying things you don?t need.

Thanks to everyone who submitted posts for this week?s carnival.

Categories: Credit/Debt, Planning, Psychology of Money, Saving/Investing, Smart Spending

Source: http://www.mattaboutmoney.com/2012/01/23/carnival-of-personal-finance-%E2%80%93-words-of-wisdom-edition/

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P.R.E.S.I.D.E.N.T. Principles from International Communications ...

NEW YORK, Jan. 23, 2012 ? ?Many business leaders think that hard data will influence subordinates, but in today?s troubled economy, they must first overcome workers? fear and uncertainty by addressing their emotions,? said international speaker and best-selling author Gil Peretz. ?President Obama, Mitt Romney, Newt Gingrich, and other U.S. politicians ? on both sides of the fence ? do this very well.?

Peretz, who has been called an ?Obama expert? by U.S. News & World Report, wants to help corporate leaders boost morale and influence attitudes. ?It?s not what you say; it?s what they feel,? said Peretz. He presents nine principles from his signature seminar ?Inspire like Reagan, Communicate like Obama, and Influence like Steve Jobs? that spell out the acronym P.R.E.S.I.D.E.N.T.:

1. PowerPoint (None)
Avoid using ?bullets-based? PowerPoint for speeches. The focal point of your speech is your audience ? not you or your slides.

2. Rapport-Building Techniques
Ensure that others will be open to your message by forging bonds quickly through techniques such as making eye contact, smiling, and emphasizing similarities.

3. Emotional Triggers
Use words that spark an emotional response ? for example, competitive phrases such as ?let?s be the first? or ?let?s beat them,? to inspire listeners to action. Quote from the Bible.

4. Simple, Short Messages
Employ two- to three-syllable words in simple sentences that even 10-year-olds can understand. Use slogans, and repeat your key message.

5. Inspirational Stories
Incorporate personal stories to connect with people?s hearts.

6. Dramatic Moments
Plan for your speech to have one ?wow? moment, either a statement or action, that audiences will remember and ?tweet? about.

7. Enthusiastic, Positive Language
Opt for positive language, like ?we have the best people here? or ?we have beautiful products,? that builds enthusiasm rather than negative language such as ?I?m skeptical,? which dampens zeal.

8. Nonverbal Communication
Consider factors such as tone, cadence and pauses as well as body language, clothing and location.

9. Trust
Focus on creating trust and exhibiting consistent corporate values so people are comfortable following your vision.

About Gil Peretz

An expert on business performance improvement with more than 25 years of experience, Gil Peretz is one of the world?s leading authorities on communication and sales training. Global companies based in the US, Europe, and Asia-Pacific invite Peretz, who often uses magic and props to deliver power-packed business ideas, to lead customized dynamic workshops designed to inspire their people to action.

Peretz has worked with international organizations such as Microsoft, Coca-Cola, Hertz, Ericsson, Hilton, Citroen, and Merck. His novel Intimate Marketing shows readers what business can adopt from personal relationships.

Peretz and wife Nili cracked the code of Obama?s techniques and in Obama?s Secrets show how using Obama?s ?message engineering? can improve the way CEOs communicate, persuade and pitch anything.

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Source: http://www.ereleases.com/pr/president-principles-international-communications-expert-business-leaders-influence-inspire-obama-romney-73053

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Fast-moving snowstorm hits Northeast (Reuters)

(Reuters) ? After an unusually mild winter across much of the United States, a fast-moving snowstorm struck the Northeast from central Pennsylvania to Connecticut on Saturday, while the Pacific Northwest struggled to recover from a rare heavy snowfall.

The moderate Northeast storm stood in contrast to the heavy snows of last winter, which included a post-Christmas blizzard that dumped 20 inches on New York City.

"We haven't missed it, but it's been noticeably absent," Victoria Lupica, a spokeswoman for the Philadelphia International Airport, said of the snow. Her airport had 66 canceled flights on Saturday morning.

Snowfall totals were expected to reach 3 to 5 inches in New York City, 2 to 4 inches in Philadelphia and up to 3 inches in Boston. The nation's capital, Washington, got a mixture of snow and ice overnight.

For many areas away from the Great Lakes, the storm was expected to amount to the heaviest snowfall since late October, according to weather.com.

At La Guardia International Airport in New York, travelers were advised to check with their airlines to see which flights were affected by weather-related delays, the airport's website said.

The Pacific Northwest was enduring the aftermath of an unusually snowy week, with two hikers and two climbers still missing in Mount Rainier National Park in Washington state.

About 205,000 homes and businesses, mostly south of Seattle,

remained without power, Puget Sound Energy said on its website. Flooding remained a concern as temperatures rose into the lower 40s (4 C).

Heavy snow was predicted for mountain areas of the Western states.

In parts of South Carolina, voters in the Republican presidential primary were seeing rain, thunderstorms and even tornado watches and warnings on Saturday, the National Weather Service said.

A snowfall in Chicago on Friday brought up to 8 inches and prompted the cancellation of more than 700 flights at Chicago's O'Hare and Midway airports.

Thunderstorms, some with hail, were predicted for the Southeastern United States, with damaging wind gusts and tornadoes possible across the lower Mississippi Valley, according to weather.com.

(Reporting By Mary Wisniewski in Chicago and Laura Myers in Seattle; Editing by Cynthia Johnston and Peter Cooney)

Source: http://us.rd.yahoo.com/dailynews/rss/weather/*http%3A//news.yahoo.com/s/nm/20120121/ts_nm/us_weather

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