Baghdad bombs kill 19, police battle suicide attackers

BAGHDAD (Reuters) - Twin car bombs hit central Baghdad on Tuesday, killing at least 19 people, and security forces fought off a separate attack inside a police station by two suicide bombers trying to free al Qaeda prisoners.

The major assault underscored the seriousness of Iraq's struggle with insurgents more than seven months after the last U.S. troops left behind a country still grappling with political instability and sectarian tensions.

Clouds of dark smoke rose above the centre of the capital where the car bombs exploded minutes apart, leaving the dead and wounded lying in the street or slumped inside a damaged minibus, witnesses and police said.

As security forces began to help the victims, at least two suicide bombers dressed as police officers got into a nearby police station, where al Qaeda prisoners were being held, and tried to free them, two security sources said.

It was unclear how many people had been killed or wounded in the assault, but both bombers had been killed, one security official said.

"Their aim was to take hostages in order to release major al-Qaeda prisoners," one senior security source said. "Most officers went to the floor above them to fight them, which is why they failed."

The attack coincides with a surge in violence in Iraq and comes as bloodshed in neighboring Syria is escalating. Iraqi officials have warned that some Sunni Muslim insurgents are heading to Syria and al Qaeda's local Iraqi affiliate has called on its followers to intensify their campaign.

Al Qaeda's Iraqi wing, Islamic State of Iraq, was badly weakened by the loss of top commanders in the war against U.S. troops, but the insurgents have carried out at least one major assault a month since the U.S. withdrawal in December.

BLOOD-STAINED SHIRTS

Three young men in blood-stained T-shirts searched for a friend near the wreckage of one of Tuesday's car bomb blasts in Baghdad as women in traditional abaya gowns screamed the name of a missing relative, a Reuters reporter at the scene said.

"We were in a patrol when we heard the first explosion. The second explosion hit another square, and we went to help ... There was a minibus with six dead passengers inside it," said Ahmed Hassan, a police officer.

The explosions followed attacks and bombings in Baghdad and across the country on July 23 that killed more than 100 people in a coordinated surge of violence against mostly Shi'ite Muslim targets. Islamic State of Iraq claimed responsibility.

Overall levels of violence have eased since sectarian killings reached their height in 2006-2007 when tens of thousands of Sunnis and Shi'ites were slain.

However, Al Qaeda still often targets Shi'ite pilgrims or religious sites in an attempt to stir up sectarian tensions and to show that Iraq's armed forces are unable to protect civilians.

Last month was one of the bloodiest since the U.S. withdrawal, with at least 237 people killed and 603 wounded.

Iraq's violence often feeds into political tensions.

Prime Minister Nuri al-Maliki, a Shi'ite, is fending off attempts by Sunni and Kurdish rivals to vote him out of office, threatening to scuttle a fragile power-sharing agreement.

(Additional reporting by Aseel Kami and Saad Shalash in Baghdad; Writing by Patrick Markey; Editing by Andrew Osborn)

Source: http://news.yahoo.com/two-car-bombs-kill-least-13-baghdad-sources-121156685.html

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Community recuperates after storm - Sun, 29 Jul 2012 PST

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Terri Covington walks past what is left of her car and mobile home near Keller, Wash., on?Friday.
(Full-size photo)(All photos)

Lurae Kanzleiter still has nightmares about the tree that crashed through her bedroom ceiling in Keller, Wash., nine days?ago.

?You could hear the tree going ?crack, crack, crack,??? Kanzleiter said. ?Something just told me to get out of that bedroom, and I?m so thankful that we?did.?

She and her family escaped just seconds before the massive trunk ripped through their mobile home during a storm July 20 that ravaged the Inland Northwest with thunder, flash floods, hurricane-force winds and hail the size of golf balls. The event marked the peak of a series of storms that began on July 13 and left 16 Eastern Washington counties in a state of?emergency.

Some areas reported winds stronger than 85 mph and streets buried under more than a foot of water that accumulated in less than half an hour. The storm left two dead in the region: a man driving a truck at Priest Lake and a woman who had been camping in the mountains near Curlew in Ferry?County.

Kanzleiter is one of many throughout the region still struggling to get back on their feet in the wake of the?disaster.

The Ferry County Public Utility District estimated that about 90 percent of the county had power back by Friday morning, but officials said the ones still without electricity live farther out, in the least accessible?areas.

Tree trunks, limbs and debris have been cleared from the main roads throughout the county. Forest Service roads, however, still need a lot of?work.

The storm rendered Kanzleiter?s home condemned, as damage to the wiring turned it into an electrical hazard. Her two dogs and two birds are still living in the undamaged half of the?house.

The storm damaged 20 homes and destroyed six in Keller ? a small unincorporated community of Colville tribal members in southeastern Ferry County that sits miles apart from its closest neighbors, Mason City to the southeast and Republic to the?north.

About 20 homes in the community are still without?power.

Since the night of the storm, Kanzleiter has been living in a gym at the Keller Community Center with her husband and three children. About 30 people took shelter there the night after the?storm.

The building became the hub for the community?s recovery effort. All but Kanzleiter and her family have moved into local hotels since?then.

The tribe is working on finding the family a more private place to stay for a while, tribal spokeswoman Kathy Moses?said.

?(We?re) just running into issues with the shortage of housing on the reservation,? Moses?said.

Moses was unsure how long the family will have to stay in the community?center.

With roads blocked by fallen trees and diminished communications from downed power lines, community members immediately banded together to take care of those with the most urgent needs. Hundreds in the community stepped in to serve food or clear roads of fallen?trees.

By Thursday, the shelter continued to serve about 220 people per meal, including residents and?workers.

Yancy Epperson, who oversees the cleanup crews in Keller, estimates that about 85 percent of those working on the recovery effort are tribal?members.

Epperson has nine crews who have been out clearing logs and branches from roads and homes since the storm hit. The storm gave many in the community a chance to put their logging experience to good use, he?said.

?Let?s put them to work (and) put some money in their pockets,? Epperson said. ?Some of them have been unemployed for two?years.?

Though the major storm is over, many of the trees in Keller still have unseen fractures. As the wind picked up a little Saturday afternoon a new hazard emerged for the cleanup crews, Moses?said.

?It started snapping the trees and it sounded like gunshots were going off,? she said. ?It?s pretty unsafe out?there.?

The state has also set up on the scene to help meet the residents? basic needs. The Department of Natural Resources brought trailers on Monday equipped with freezers and refrigerators to keep food from?spoiling.

Officials have provided a laundry service, portable showers and a hand-washing station next to the community center. They also drive a potable water truck around the reservation every day to assist those who don?t have access to drinkable?water.

FEMA officials will survey the county this week to assess who will receive federal assistance. State and local officials will continue door-to-door checks in Republic, while volunteers run a shelter at Republic High?School.

The scale of the disaster eclipses any wildfires, ice storms or floods the county has had in recent memory, said Brian Dansel, chairman of the Ferry County Board of?Commissioners.

Even so, the community response has kept things together fairly well, officials?say.

Priest Lake State Park is also getting back to normal, despite some closed trails and one cabin that remains?inaccessible.

The entire staff at the park worked to clean up the damage after the storm. Workers had a lot of help from visitors, as well, said Loni Johnson, park?manager.

?The campers were fantastic,? Johnson said. ?I just can?t say enough about how accommodating they?were.?

Source: http://www.spokesman.com/stories/2012/jul/29/focusing-on-recovery/

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Countries where people work least

Michaela Rehle / Reuters

People toast at the Oktoberfest in Munich, Germany, the nation where people work the least.

By Michael B. Sauter, Alexander E.M. Hess & Lisa A. Nelson, 24/7 Wall St.

As the global economic recovery grinds to a halt, many workers feel the increased pressure of holding on to their jobs and putting bread on their tables. Some may hold several jobs or simply put in more hours at work. Indeed, in 2011, for the second year in a row, the average hours worked per person increased in the United States. But this is not the case among all developed nations. In fact, while people in countries like the U.S. and Spain increased their hours worked, the average for developed nations fell slightly.

24/7 Wall St.: The 10 best countries for entrepreneurs

Earlier this month, the?Organization for Economic Co-operation and Development (OECD)?released its 2012 Employment Outlook. The outlook paints a picture of the current labor markets in 32 member states, most of which are located in the Europe. In several countries, the average hours worked per year has fallen by more than 20. Based on the OECD report, 24/7 Wall St. identified the 10 countries where people work the least.

The average American worked 1,797 hours in 2011, or about 34.5 hours per week. In the countries on our list, the average hours worked was 1,611 or less, or the equivalent of 30 hours per week. In Austria, the average employed person worked just 1,330 hours, or a bit more than 25 hours per week.

Hours worked in some of these countries declined further over the past year. In Denmark, the average hours worked fell by 40 hours for each of the past two years. In Luxembourg, they fell by 51 hours between 2010 and 2011 alone.

The changes in hours worked on average can be affected, in part, by an actual increase or decrease in the amount of time full-time employees spend at work. However, a review of the data shows that part-time employment is also a major contributor to these changes. Of the 10 countries with the fewest average hours worked, nine were among the top 15 nations with the most part-time workers relative to the total working population, and four were in the top five. Netherlands has the highest proportion of part-time employees at 37.2 percent. That is more than double the OECD average. In the United States, only 12.6 percent of the total workforce work part-time.

The countries on this list are among the wealthiest in the OECD, which generally represents the more developed nations. Of the 10 countries with the fewest average hours worked, nine have the highest gross domestic product per capita. The exception is France, which has the eleventh-highest GDP.

Exemplifying the wealth of these nations, wages are also extremely high. The average U.S. worker earned a little more than $30 per hour in 2011. In these 10 countries, workers earned at least $31.27 per hour, and as much as $48.82 (in Denmark) per hour.

Mark Keese, head of OECD?s employment division, told 24/7 Wall St. that the wealth and productivity of a nation plays a large part in the structure of employment in the country. One component of this is the technological sophistication of industry. ?Generally, richer countries can and should see reductions in hours worked ... basically, you have stronger productivity performance and eventually you?re replacing workers with machines, which allow you to cut back on the number of hours of work.?

24/7 Wall St.: 10 countries where young people can't find a job

24/7 Wall St. reviewed the OECD?s 2012 Employment Outlook to identify the countries with the fewest hours worked in 2011. The 26 countries we reviewed were all members of the OECD. We excluded four because current data were not available. We also compared these countries via other metrics provided by the OECD, including GDP per capita, unemployment and a variety of other employment and quality-of-life data for 2011 or the most recent available year.

These are the 10 countries where people work the least:

1) Germany

• ?Average annual hours per person:?1,330
• ?Average working hours per week:?25.6
• ?Average wage per hour:?$35.33 (7th highest)
• ?2011 unemployment rate:?6 percent

Every year since 2007, Germans had the fewest hours worked on average, with a low of 1,296 in 2009. One reason this number was so low is that in 2011 14.7 percent of all employees were temporary workers, while 22.1 percent only worked part-time, both above OECD averages. Those in permanent, full-time positions also had significant time for themselves, as only 5.14 percent of Germans work more than 50 hours a week, less than half the 10.86 percent of Americans who worked that much in 2011. The average German had 15.31 hours a day to devote to leisure, one of the highest figures among OECD countries. In 2009, the German government?introduced a program?that allowed companies to cut work weeks for employees, as opposed to firing them, in exchange for the government?s pledge to cover remaining wages.

2) Netherlands

• ?Average annual hours per person:?1,336
• ?Average working hours per week:?25.7
• ?Average wage per hour:?$42.67 (4th highest)
• ?2011 unemployment:?4.4 percent

Workers in the Netherlands enjoy low levels of unemployment, high incomes and one of the smallest proportion of employees working 50 or more hours a week -- at only 0.7 percent. GDP per capita is also third highest among the countries we reviewed. In the OECD report, the Netherlands had the highest reported proportion of part-time workers in 2011 at 37.2 percent.

3) France

• ?Average annual hours per person:?1,392
• ?Average working hours per week:?26.8
• ?Average wage per hour:?$34.26 (8th highest)
• ?2011 unemployment rate:?9.3 percent

The average annual hours worked for employees in France has decreased by nearly 100 hours since 1995. The French embrace their leisure hours, devoting an average of 15.33 hours to personal time, the fourth highest of the OECD countries reported. Some argue that?French productivity?is an issue, and compared to the average of 26 OECD countries reported, French workers spent about 17 percent less time at work in 2011. Yet, workers earned one of the highest average hourly salaries of the OECD nations, around $34.26 per hour.

24/7 Wall St: The 10 most educated ?countries in the world

4) Austria

• ?Average annual hours per person:?1,431
• ?Average working hours per week:?27.5
• ?Average wage per hour:?$36.63 (6th highest)
• ?2011 unemployment rate:?4.2 percent

Last year, Austria had a 4.2 percent unemployment rate, nearly half the OECD?s unemployment rate of 8.2 percent. Despite this low unemployment figure, many workers could not find full-time jobs as 18.9 percent were part-time employees, more than the OECD?s average of 16.5 percent. Whereas some Austrians worked few hours, still others did exactly the opposite, as 9.02 percent of employees worked more than 50 hours a week. Austria has high average wages, at $36.63 per hour -- well above the $30.30 per hour in the United States. However, wages only increased an average of 0.3 percent per year between 2007 and 2011, below the OECD?s average of 0.5 percent, while the number of hours the average employee worked has fallen by 3.7 percent during that time.

5) Belgium

• ?Average annual hours per person:?1,446
• ?Average working hours per week:?27.8
• ?Average wage per hour:?$38.90 (5th highest)
• ?2011 unemployment rate:?7.2 percent

In 2011, Belgium?s annual unemployment rate fell to 7.2 percent from 8.4 percent in 2010. Not only does the country have an unemployment rate well below that of the U.S., which had an unemployment rate of 9.1 percent in 2011, but Belgians also work far less than Americans. Compared to 2008, when employees in Belgium worked 1,469 hours on average, by 2011 they worked 23 hours less. Meanwhile, from 2009 to 2011, the number of part-time workers rose from 18.2 percent to 18.8 percent of all employees. Many of those who took these new positions were women, who constituted 79.9 percent of all part-time employees in 2011. That was more than all but two other countries.

Click here to read the rest of 24/7 Wall St.'s Countries where people work least

Source: http://bottomline.nbcnews.com/_news/2012/07/29/12816364-countries-where-people-work-least?lite

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Fitness Being A Destination: Tips And Advice On The Way To Get ...

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HP LaserJet Enterprise 600 Printer M602dn

In price and capabilities, the HP LaserJet Enterprise 600 Printer M602dn sits squarely between two Editors' Choice high-volume mono lasers, the HP LaserJet Enterprise 600 Printer M601dn and the HP LaserJet Enterprise 600 Printer M603dn . Though it didn't quite match the others in output quality in our testing, the M602dn is easy to recommend for its blazing speed, solid feature set, and prodigious duty cycle.

The M602dn measures 15.7 by 16.3 by 20 inches (HWD) and weighs 58 pounds. The front panel has a 4-line monochrome LCD and some basic control buttons: Home, Help, Stop, and Back, plus a 2-way rocker control with center button. To the right is a numeric keypad for entering PIN numbers for password-protected printing; below the panel is a port for a USB thumb drive.

The M602dn has a standard 600-sheet paper capacity, split between a 500-sheet main tray and a 100-sheet multipurpose feeder. It has an automatic duplexer for printing on both sides of a sheet of paper built in. Additional paper-handling options include a 1,500-sheet input tray ($499 direct), a 500-sheet input tray ($299), a 400-sheet custom media cassette ($229 direct), a 75-sheet envelope feeder ($249), a 500-sheet stacker ($149), a 500-sheet stapler/stacker ($249), and a 500-sheet 5-bin mailbox ($399). Maximum paper capacity is 3,600 sheets.

The M602dn is the middle model of HP's M602 series. The M602n ($999 direct) lacks an automatic duplexer, while the M602x ($1,499 direct) includes the duplexer and adds an additional 500-sheet paper tray.

The M602dn provides USB and Ethernet (including Gigabit), with optional WiFi. I tested it over an Ethernet connection with its driver installed on a PC running Windows Vista.

Printing Speed
The M602dn's rated print speed is 52 pages per minute, while the M603dn is rated at 62 pages per minute and the M601dn at 45 pages per minute. Unsurprisingly, the M602dn tested at a print speed in between those two models. I timed it on our business applications suite (using QualityLogic's hardware and software for timing), at an effective 14.1 pages per minute (ppm), while I clocked the M603dn at 14.5 ppm and the M601dn at 13.4 ppm on the same tests. (The rated speeds are based on text-only printing, while our test suite combines text pages, graphics pages, and pages with mixed content.) The OKI B730DN , rated at 55 pages per minute, tested a bit slower, at 12 ppm.

Output Quality
Overall, output quality was a bit below par, but still fine for general business use. Text quality was slightly subpar for a laser, but still suitable for most any business uses except for those requiring very small fonts.

The M602dn's graphics quality was slightly subpar for a mono laser, good enough for typical business uses, though I'd hesitate to use it for reports I'd be handing to colleagues I was seeking to impress. It had trouble rendering differences in shading in certain figures. Some illustrations exhibited mild banding, a regular pattern of faint striations?an issue that I didn't see with the other M600-series printers.

Photo quality was typical of mono lasers, good enough for printing out recognizable images from files or Web pages.

The M602dn shares the M603dn's very low running costs (1.2 cents per page). The OKI B730DN's cost per page is 1.4 cents, while the M601dn's is 1.7 cents per page.

In price, speed, and duty cycle, the HP LaserJet Enterprise 600 Printer M602dn stands between two Editors' Choice models in HP's lineup, the M601dn and M603dn. It shares the M603dn's very low cost per page and its keypad for secure, password-protected printing. It costs $300 more than the M601dn, but with a lower cost per page you'd make up the price difference after printing 60,000 pages. The M602dn's output quality didn?t quite match the other two in our testing, but it is fine for most business needs. This model has a lot to offer, and is worth a close look by businesses looking for a fast mono laser for high-volume printing for a large workgroup.

More Laser Printer Reviews:

??? HP LaserJet Pro 400 MFP M425dn
??? HP LaserJet Pro 400 M401dn
??? HP LaserJet Enterprise 600 Printer M602dn
??? OKI MB471
??? OKI MB491
?? more

Source: http://feedproxy.google.com/~r/ziffdavis/pcmag/~3/CCcnT39i32Y/0,2817,2407690,00.asp

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China swim star Ye hits back at Olympic doping claims

Sixteen-year-old Chinese swimming prodigy Ye Shiwen categorically denied doping on Monday after British media raised suspicions about her world record-breaking start to the London Olympics.

Ye shattered Stephanie Rice's mark in the women's 400m individual medley by more than a second, including an astonishing final lap which was faster than US winner Ryan Lochte and Michael Phelps in the men's competition.

"Insane," commented Rice. "I mean I didn't see it, I was way over and behind, so I didn't really see her coming home, but that split coming home was out of control, faster than everyone but Phelps I think."

With the swim, Ye took nearly seven seconds off her time at last year's world championships.

And she was lightning quick in Monday's 200m medley heats, timing more than a second-and-a-half faster than the rest of the field for the quickest time this year.

But the Zhejiang youngster, who announced herself on the global stage with the 200m medley world title last year, said there was nothing untoward.

"There is no problem with doping, the Chinese team has a firm policy so there is no problem with that," she said.

Ye was put on the spot after leading British newspapers pounced on her performances, pointing to China's record of state-sponsored doping in the 1980s and 1990s.

"Ye's amazing time for freestyle leg scarcely credible," said a headline in The Times, which said Li Zhesi, also 16, and who was barred from the Olympics in June over blood-booster EPO, was Ye's training partner.

"Chinese swimming has such a shameful history of doping that any remarkable achievement by one of its athletes is inevitably met with cynicism," commented the Daily Telegraph.

Source: http://news.yahoo.com/china-swim-star-ye-hits-back-olympic-doping-000836503.html

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Metallica burns it up at start of Mexico tour

James Hetfield, lead singer for the heavy metal rock band "Metallica" performs during a concert at the Sports Palace, in Mexico City, Saturday, July 28, 2012. (AP Photo/Christian Palma)

James Hetfield, lead singer for the heavy metal rock band "Metallica" performs during a concert at the Sports Palace, in Mexico City, Saturday, July 28, 2012. (AP Photo/Christian Palma)

Metallica's lead vocalist James Hetfield poses at a photocall before his band's first of eight concert performances in Mexico City, Saturday, July 28, 2012. The heavy metal band added two more tour dates to their Mexico City run after a record six sold out August shows. (AP Photo/Marco Ugarte)

Lead singer James Hetfield, right, and Kirk Hammett, guitar, of the heavy metal rock band "Metallica" perform during a concert at the Sports Palace, in Mexico City, Saturday, July 28, 2012. (AP Photo/Christian Palma)

MEXICO CITY (AP) ? Metallica vocalist James Hetfield had warned things could get perilous at the start of the band's fifth tour of Mexico, saying "We're very focused on how dangerous this show is."

The audience of more than 22,000 believed it too. Many of the fans were visibly terrified Saturday night as the band re-enacted its burn-down-the-stage performance from 1998's "Cunning Stunts" video album.

At one point a technician fled across the stage like a human torch in a Mexico City show that featured explosions, pyrotechnics, laser lights and the odd giant coffin.

Hours earlier Hetfield said the tour would cover the band's 31 years of performing.

Metallica has scheduled seven more shows at Mexico City's Sports Palace before heading to dates in San Francisco and Edmonton, Canada.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/4e67281c3f754d0696fbfdee0f3f1469/Article_2012-07-29-Mexico-Metallica/id-1be1296bc10e4ccab285fa723ed288c3

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2 NATO service members killed in Afghanistan

KABUL, Afghanistan (AP) ? The NATO military coalition in Afghanistan says two of its service members have been killed in an insurgent attack in the east of the country.

The military alliance says the attack happened on Saturday but doesn't provide further details.

NATO also did not provide the nationalities of the dead. Most of the troops in eastern Afghanistan are American,

Saturday's deaths bring the number of international service members killed in Afghanistan so far this month to at least 42.

July 2011 saw 52 international service members killed.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2012-07-28-AS-Afghanistan/id-91375da395b24a6286d69b7d65a0049c

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Lawmakers press for tough Iran sanctions bill

WASHINGTON (AP) ? Republicans and Democrats are pressing for the severest penalties possible on Iran, targeting its energy sector and financial institutions as the United States seeks to weaken Tehran economically and derail its pursuit of nuclear weapons.

Congress has one week before the August break. Proponents of tough sanctions see this as their last, best chance for far-reaching, crippling penalties as recent high-level talks between world powers and Iran have failed to curb its uranium enrichment. Iran insists that its program is solely for peaceful purposes.

Leaders of the House Foreign Affairs and Senate Banking Committee have been negotiating behind closed doors for several weeks to reach consensus on sanctions legislation. The House passed a bill in December, the Senate in May.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/386c25518f464186bf7a2ac026580ce7/Article_2012-07-27-Iran%20Sanctions/id-11d920ff496242e7bf09c6a636cb9ee5

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How to File Bankruptcy Step Step | Ways To Reduce Debt

Article by Sarah Jackson

How to File Bankruptcy Step by Step ? Finance ? Bankruptcy

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First things first, you have choices when it comes to filing bankruptcy so the first thing you want to do is figure out what chapter you need to file. Here we will show you how to file bankruptcy. The new bankruptcy law requires the debtor to take a chapter 7 means test to determine if they qualify for chapter 7 or will have to file a chapter 13 instead. The bankruptcy filing process is complicated but with some research it is not very hard to understand.

1) Complete a Chapter 7 means test. You can get a pretty good idea if you qualify for a chapter 7 by looking at your income. Take your monthly income over the past 60 days prior to filing, minus any monthly expenses if there is very little left after this you could qualify. Also if your income falls below the median income for you state and family size. Site listed below for chart.

2) You need to make a decision on how you want to file bankruptcy. Your options are to do it yourself using free online forms, hiring a bankruptcy petition preparation service, or hiring a bankruptcy attorney. We listed these options by cost from cheapest to highest. All over the web you will be urged to hire a bankruptcy attorney which is a really good idea if you have lots of assets you are wanting to keep. If you have little assets and lots of debt you should consider the other two options. You and only you know what?s best for your situation.

3) Once you have figured out how you want to file bankruptcy, you need to get all of your debt together. This includes account numbers, balances, the date the accounts were opened, and the when the last payment was made. Make sure you include ALL debt, this is your chance for a fresh financial start that filing bankruptcy will provide. This is where a recent credit report will come in handy.

4) You need to make a list of all your assets. This includes your car, furniture, clothing, what?s in your bank account, cash on hand, and your house if you have one. Basically anything you own even if you owe money on it.

5) You need to assess your income for the past 6 months prior to filing bankruptcy along with expenses. If you don?t have an income now, you will still need income information from the past 6 months. This will determine your future re-payment ability. Be sure to include all expenses, present, future, and income tax returns for the past 3 years.

6) If you are filing bankruptcy yourself you are now ready to start your paperwork, make sure you know and have all of the required forms or you case could be denied and you will lose your filing fee. Also make sure there are no mistakes. If you are using a bankruptcy petition preparer or a bankruptcy attorney, you are ready to start your bankruptcy questionnaire to gather all of your info for the bankruptcy petition they will prepare for you. Most petition preparation services have a convenient online questionnaire you can take as long as you want to complete. Most attorneys use paper bankruptcy questionnaires so this depends on which option you decide.

7) Complete pre-filing credit counseling course. This can be done online with a bankruptcy approved credit counseling agency. It takes about an hour and cost around .00. Once completed they will email a certificate of completion which you will file with your bankruptcy petition

When your bankruptcy petition is complete you are ready to file. Take your paperwork along with your credit counseling course certificate to the nearest Federal Bankruptcy Court with your filing fee and identification. Most Courts do not allow you to bring your cell phone inside, so leave it in the car or you will have to make a trip back.

9) You will receive notice in the mail of the ?first meeting of the creditors? also called the 341 meeting. It is required that you attend this meeting. If you filed a chapter 13, then you will also receive notice of a confirmation hearing about 2 weeks after 341 meeting. The debtor has no role in this hearing and does not have to attend. If you hire an attorney know they cannot speak on your behalf. If they show up it might be for moral support. Your chapter 7 should be discharged about 6 months after you file. Your chapter 13 gets discharged when your plan is competed (3-5 years depending on your plan).

10) Prior to discharge of chapter 7 and chapter 13, a post-bankruptcy financial management course must be completed. You will also receive additional paperwork must be filed to show that this has been completed. You have 45 days after chapter 7 has been filed to complete. For chapter 13 this course must be completed before the final payment is made. No discharge will be granted if this course is not completed.

The Bankruptcy process has been the same bankruptcy process for years. It is truly designed to hep debtors like yourself to start over financially. Make sure it is right for you before filing. If you hesitate because of the damage it will do to your credit, just look at your credit now and think ?what do I have to lose?? Hopefully this article helped you to understand how to file bankruptcy so that you can take that first step. Be sure when filing bankruptcy to be very informed abut the bankruptcy process to make sure all goes well.

Online Help to File Bankruptcy

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About the Author

I am a passionate consumer who wants to inform other consumers facing bankruptcy of their options. I have been a paralegal for many years now. After helping a number of people close to me to file bankruptcy, mainly because they could not afford the down payment bankruptcy attorneys required, I decided to help others also. I feel that an informed consumer, makes a smarter consumer. Visit File Bankruptcy Online to find out more about filing bankruptcy online.

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Sarah Jackson

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GoArticles.com ? 2012, All Rights Reserved.

I am a passionate consumer who wants to inform other consumers facing bankruptcy of their options. I have been a paralegal for many years now. After helping a number of people close to me to file bankruptcy, mainly because they could not afford the down payment bankruptcy attorneys required, I decided to help others also. I feel that an informed consumer, makes a smarter consumer. Visit File Bankruptcy Online to find out more about filing bankruptcy online.

Use and distribution of this article is subject to our Publisher Guidelines
whereby the original author?s information and copyright must be included.

Source: http://www.waystoreducedebt.net/how-to-file-bankruptcy-step-step/

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Olympic-Class Athletes Abound in Animal Kingdom

FRIDAY, July 27 (HealthDay News) -- When it comes to speed, strength and endurance, even Olympic athletes can't compete with the animals who are champions in their fields, a British researcher says.

For example, cheetahs and pronghorn antelopes are among the animals that are faster than Usain Bolt, who is currently the fastest person in the world, according to Craig Sharp of the Center for Sports Medicine and Human Performance at Brunel University in London.

The fastest a human can run is 23.4 miles per hour (mph). A cheetah is nearly twice as fast, at 64 mph, while a pronghorn antelope can run at 55 mph.

An ostrich is the world's fastest running bird at 40 mph, or 59 feet per second. The fastest greyhound has been clocked at 43 mph and the fastest thoroughbred racehorse at 55 mph.

When it comes to strength, an African elephant can lift 661 pounds with its trunk and carry 1,807 pounds. A gorilla can lift 1,984 pounds and a grizzly bear can lift 1,000 pounds.

Humans have various features that make them well-suited for long-distance running, such as long legs, short toes, arched feet and ample fuel storage capacity, Sharp said. But the top marathoners would be hard-pressed to beat camels, which can maintain speeds of 10 mph for more than 18 hours, or the Siberian huskies that set a record in 2011, racing for eight days, 19 hours and 47 minutes, covering 114 miles a day.

In long jumping, a red kangaroo has covered 42 feet, compared with the human record of 29 feet. In high jump, the red kangaroo can leap 10 feet, compared with the human record of 8 feet.

However, no single animal species matches the physical versatility of humans, which is what the Olympic Games are designed to showcase to best effect, Sharp concluded.

The article was published July 28 in the journal Veterinary Record.

More information

The U.S. National Heart, Lung, and Blood Institute offers a guide to physical activity.

Source: http://news.yahoo.com/olympic-class-athletes-abound-animal-kingdom-231132717.html

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Home Improvement Secrets You May Not Know About

Thinking about tackling a new home improvement project? You'll find in this article some ideas to inspire you and get you ready for the next big challenge.

There are certain things to watch for when you own a deck so you can tell if there are repairs that need to be made. Seek out cracked wood, dry rot, uneven boards, and uneven screws or nails.

Building a bar in your basement can be a home improvement project that you will pursue with joy. By designing your own bar, or designing anything for that matter, can turn into quite a feat of accomplishment as you see your dream become reality. No matter the design or approach, adding a bar to the home can be a great improvement.

When you hire a home improvement contractor, check his paperwork to see that all work is backed up with a guarantee. If you skip reading the contract, you will have no one but yourself to blame if it ends up that there's no guarantee on the work. Fully understanding the terms of the contract will ensure that your work is guaranteed.

A good home improvement tip that will up the value of your home is to replace the older front door with something that is nice, such as steel. Based on research into the increased resale value represented by steel doors, a homeowner who installs one can expect to make back 129% of its cost when the time comes to sell his or her home. Steel doors also make your house more attractive and energy-efficient.

Plan your next home improvement project. Making last-minute decisions or waffling on the day you're supposed to begin can be disastrous. If you think about things in advance, you will be more successful.

If you can't stand cleaning gutters or you have many trees around your home, look into a gutter protection system, such as a guard, that you can install over your gutters. With these screens in place, leaves will rarely cause problems and water drainage should not be impeded. Also, these screens and guards can help you when you are cleaning the exterior of your home.

There is a lot that one person can get done in terms of home improvement, but you should never be afraid to seek out help from family and friends. But try to find this help earlier rather than later. No one wants to come in when everything's a mess to try and help you. You also might have problems finishing your work, which adds stress.

A quick way to make an old home seem new is to give the walls a fresh coat of paint. A new coat of paint could change how a room looks. Interior painting offers an excellent return on your investment; the cost is modest but the value it adds to your home is significant. Consider using lighter colors to enhance the decor.

A new coat of paint is a great way to spice up the look of your exterior. It improves your home's appeal and is also the first line of defense against the effects of weather. Choosing the correct color is what will make the home improvement project a success.

Get rid of stuff you do not need anymore before you begin your next project. You'll have more space to move items such as furniture around your home and eliminate extra waste as well. Less clutter will make it easier to work.

If you want to paint a room, choose a no-VOC paint. These paints are friendly to the environment, and they lack the dangerous chemicals in other paints. These paints do the same job as regular paint, and are just a bit more expensive.

Whether you have experienced or are a novice, a home remodeling project can be rather overwhelming. With this article in mind, you can begin to formulate ideas for your home improvement projects. You can begin to make your home look great, and experience much less frustration.

Source: http://www.rjconstmgmt.com/home-improvement-secrets-you-may-not-know-about/

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Apple v. Samsung: 5 Surprising Reveals in Latest Court Documents

As Apple and Samsung's trial looms closer, we're learning a lot of never-before seen information about the early days of the iPhone and iPad, and what happened behind closed doors at both Apple and Samsung. Here's a look at 5 of the most interesting discoveries to come out of the companies' litigation drama.

Source: http://feedproxy.google.com/~r/GearFactor/~3/98bAj66NdhE/

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Sen Bennett ? Land For Sale Fairbanks Alaska Real Estate And ...

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Our primary goal is to maintain our personal level of service while providing expert investment analysis and professional representation to serve you even better!!

Let this site serve as your Fairbanks area guide to land and property that you can browse and find the information that you need to make the informed decision necessary in buying or even selling Fairbanks real estate and property. We keep this site updated in real time for you so that the moment a listing is added or updated you can find that out. Feel Free to look around! We have many resources for you to find what you want. YOU are top priority. We want to leave you feeling that everything that could have been done for you was in fact done without fail.

Let our knowledge help guide you in finding that perfect place for your Alaskan dream.

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Source: http://www.senbennett.com/loans-and-the-process/land-for-sale-fairbanks-alaska-real-estate-and-property/

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Could Gene Doping Be Part of Future Olympics?

THURSDAY, July 26 (HealthDay News) -- Despite all the training, sweat, dedication and sacrifice that goes into becoming an Olympic competitor, these elite athletes also tend to have an advantage that average sports lovers lack: superior DNA. Just like eye color or a keen intellect, a constellation of the "right" genes can grace certain athletes with world-class speed, strength and endurance.

But with the advent of gene therapy -- technology on the cusp of helping treat grave illnesses -- are the days of "natural selection" of super-athletes coming to an end?

Genetics and athletics experts fear that the 2012 Olympic Games, opening Friday in London, may be the last without competitors secretly hinging their gold medal hopes on "gene doping" -- modifying their DNA to make themselves bigger, stronger or faster -- and that such gene manipulation may one day match the use of illicit performance-enhancing substances.

"Gene doping has been sort of smoldering as a theoretical possibility for at least two or three sets of Olympic Games," said Dr. Ted Friedmann, chair of the genetics panel of the World Anti-Doping Agency. "If you ask me how many more years it'll be before it's done, well, I'd say a very long time. But how many more years before some idiot does something stupid? That could be tomorrow," he added.

"The technology is ripe for abuse by badly trained people," explained Friedmann, also director of the Center for Molecular Genetics at the University of California, San Diego. "The chance of effectiveness if done by current methods is almost nil."

According to an article published July 19 in the journal Nature, more than 200 gene variants have been associated with athletic prowess, including a variant of the ACE gene linked to endurance and an alternative copy of the ACTN3 gene -- dubbed the "speed gene" and found in nearly every male Olympic sprinter ever tested.

While therapeutic gene therapy -- injecting foreign DNA into muscle or bone to change a person's genetic makeup, creating proteins that infiltrate tissue or blood -- still carries too many side effects be widely used, cases already exist of doping where the protein (rather than the gene that encodes it) is taken to improve performance, said Dr. Kathryn North, an Australian researcher whose 2010 study on the ACTN3 gene helped establish its link to sprinters and power athletes.

Examples include the manipulation of the EPO gene, which increases hemoglobin levels, boosting blood's oxygen-carrying capabilities, she said. Finnish athlete Eero Mantyranta, the winner of seven Olympic cross-country skiing medals, naturally carries such a mutation, elevating his oxygen-carrying capacity by 25 percent to 50 percent, according to the Nature article.

Tests to root out gene-doping are still being developed and aren't ready for prime time, but apparently these rogue proteins can already be detected.

"Gene-doping is not yet a reality, but the technology to detect doping will evolve along with the techniques to misuse the new genetic technologies," said North, head of the Institute for Neuroscience and Muscle Research at the Children's Hospital at Westmead in Australia.

Indeed, an air of inevitability about gene-doping permeates, though Olympics officials will concentrate for the moment on the 4,500 tests already available for banned substances in their efforts to keep the 2012 Games clean.

Robert Kersey, director of the Athletic Training Education Program at California State University in Fullerton, predicted that the pressure to win -- twinned with monetary pressure from corporate sponsors -- will combine to make gene-doping irresistible to some world-class athletes.

"Humans are greedy and if there's money to be made, people are willing to take those risks," said Kersey, also a professor of kinesiology. "Everyone involved has the potential to make money or fame or fortune out of it . . . you're never going to convince every person who wants to win a gold medal that they shouldn't bend the rules if they feel they have a real chance of winning."

But North and Friedmann pointed out that merely having a favorable gene -- whether for athleticism or any other trait -- doesn't guarantee that gene will express itself in the desired way. A specific combination of many gene variants, in addition to training, environment and attitude, "really make up the complex phenotype that is the elite athlete," North said.

Added Friedmann: "Genes work in an enormously complicated set of interactions, and no gene works by itself. If you have the gene for speed or endurance, all the other genes you carry that [help] or work against that will affect how that gene expresses itself."

More information

The U.S. Department of Energy's Genome Program offers more about gene therapy.

Source: http://news.yahoo.com/could-gene-doping-part-future-olympics-130409630.html

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Spokane, Idaho nontheists come 'Out of the ... - Secular News Daily

Right click on photos to enlarge.?

Seven myth-dispelling billboards featuring Spokane-area nonbelievers and families are appearing this week for a month-long campaign, as part of an ?Out of the Closet? project by the Freedom From Religion Foundation and its Spokane chapter, the Inland Northwest Freethought Society.

The billboards feature the friendly faces of local atheists, agnostics, and freethinkers along with their personal freethought ?testimonials.?

Joshua and Chandra Alto, a family in Spokane, are featured with their children, incuding a baby, and the slogan: ?Atheist family: Good without a god.?

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Participants include nearby Idaho FFRF members who are active with the Spokane chapter, such as Harlan and Kay Hayes of Coeur d?Alene, who self identify as ?great grandparents . . . nontheists.? The couple chose as their slogan: ?Evidence and science trump myth ? reason wins.?

?Truth is real; God is imaginary,? states Sharon Mease, from Spirit Lake, Idaho, who is retired and identifies as an atheist.

David Roeder, president of the chapter, appears with his statement, ?On bended knee? Not for me.? Roeder calls himself an ?inquisitive atheist.?

Stacey and Amanda Schafer of Spokane, a married couple who are atheists, share a board reading: ?Our morality comes from reality.?

Former minister Ray Ideus, now an atheist living in Nine Mile Falls, says on his billboard: ?Now preaching reason, not religion.?

?Freedom from religion lives,? proclaims Spokane salesman Frank Bender?s billboard.

The Freedom From Religion Foundation, a state/church watchdog based in Madison, Wis., is the nation?s largest association of atheists and agnostics with more than 18,500 members, including about 1,000 members in Washington. Spokane is FFRF?s seventh stop in its campaign to introduce its members and ?friendly neighborhood atheists? to their neighbors. FFRF debuted the ?Out of the Closet? campaign in Madison, Wis., in 2010, and has since it visited Columbus, Tulsa, Raleigh, Phoenix and Nashville (one billboard) with the unique campaign.

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?The nonreligious are at least a quarter, 25% of the Washington adult population ? claiming conservatively 1.2 million state citizens, yet there are many Americans who have never knowingly met an atheist or unbeliever, much less someone who is proud to advertise their nonbelief,? said Dan Barker, FFRF co-president. Barker, author of Godless, was formerly an evangelical minister who ?just lost faith in faith.? He works with Ron Ideus on the new Clergy Project, a support group for clergy who have lost faith and are trying to leave the ministry.

?We are your neighbor, your classmate, your colleague, the person who opens the door for you at the grocery store, the parent you meet at the playground,? he said.

?Our members are FFRF?s greatest asset, our best advertisement for freethought,? adds Annie Laurie Gaylor, who co-directs FFRF. ?It?s time to welcome atheists and agnostics into the American mainstream. Freethinkers are respectable and have much to offer our nation.?

FFRF warmly thanks the Inland Northwest Freethought Society chapter, director David Roeder for all the legwork, and participating individuals and families.

Because FFRF can?t put all of its members on a billboard, FFRF offers an interactive web application allowing any nonbeliever to place a ?virtual billboard? at FFRF?s website.?

If you are interested in helping to subsidize a billboard or coordinate a campaign in your area, please contact Annie Laurie Gaylor.?

Related articles:

1. Phoenix and Tucson nontheists come ?Out of the Closet? in FFRF billboard blitz
2. Raleigh nontheists come ?Out of the Closet? in myth-dispelling FFRF billboard campaign
3. Local nontheists come ?Out of the Closet? in Columbus campaign
4. Local nontheists come ?Out of the Closet? in Columbus campaign
5. Tulsa nontheists come ?Out of the Closet? in FFRF campaign

Freedom From Religion Foundation , based in Madison, Wis., is a national association of freethinkers (atheists, agnostics) that has been working since 1978 to keep church and state separate. Visit them at FFRF.org!

You can follow any responses to this entry through the RSS 2.0 Feed. You can leave a response or trackback to this entry.

Source: http://www.secularnewsdaily.com/2012/07/spokane-idaho-nontheists-come-out-of-the-closet-in-billboard-blitz/

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Top Rate Methods For Maximum Weight Loss ? Guru Article Directory

The entire process of trying to keep excess weight away from when you lose this is a sign of a prosperous diet regime. You?ve possibly viewed those who drop kilos speedy however swiftly put it all back on. Weight loss success courses involve long lasting lifestyle changes in exercise and dieting. If you can get over the difficulty of starting to apply these changes in lifestyle, you will certainly be on the right path to permanent weight-loss.

Follow a breakfast time with a high healthy proteins content material as an alternative to a lot of carbohydrate food. Health proteins will keep you sensing total for a longer time period, and that means you will do much less eating.

Make sure you are putting on shoes or boots which provide convenience. You don?t desire to hurt yourself or make oneself needlessly sore by putting on not comfortable shoes or boots that don?t in shape correct. That they need not pricey or supported from a sports activities superstar, just intelligent shoes or boots that are great for effectively and feel happy.

Try consuming your biggest food at lunch time-time as an alternative to in the future in the day time. When you generally eat a sandwich for lunch time, alter it up and take in it for supper, alternatively. This gives the body to burn more calories because your metabolic rate is higher during the day when compared to night.

Constantly make sure you are enjoying adequate h2o within your daily activities. Make an effort to keep close to eight cups and also hardwearing . entire body hydrated as well as battle desires. This presumes average weather. If it?s unusually hot, you must beverage more than 8 servings of normal water. Water is essential for improving digestive system and causing you to sense total, both of which minimize the volume which you sense you need to consume.

Require your pets with your workouts. Animals actually may be wonderful health and fitness companions. When strolling or working along with your pet, your feeling will be uplifted so that you can increase your degree of determination.

Weight-loss will continue to work more for anyone after they really know what is best for them. By way of example, in case you are someone that likes getting out of bed earlier, established your alarm system time clock for just one hr before and work out during this period. Night owls need to workout within the nights. Should you abhor getting up every morning, it will be even more difficult to get up when you know you will need to physical exercise the first thing.

Always keep strength and avoid stopping in virtually any fat loss plan. There could be instances that you really feel downward throughout your routine, as your body is adjusting to your new strategy. But don?t let this get in the form of obtaining weight decrease desired goals. You can adjust objectives as necessary to make up for setbacks, and commence over anytime you need to.

Once you know that it?s your own fault that you will be excess fat, you need to put aside the blame and golf swing into motion. It is far from right up until this point you could really establish all your earlier mistakes right behind you and transfer forward to carve a fresh long term. Enable your earlier be considered a motivator for greater behavior instead of simply being furious at oneself for your unhealthy earlier.

Also have healthful snack food items accessible while you are dieting. Get a big box, made from plastic-type material, by using a protect. Fill up your refrigerator with able to try to eat vegetables that you simply enjoy. Put ice as well as a tiny normal water inside your compartment. Place your vegetables in on the top of it after which refrigerate. In this way, you can have a convenient snack food prepared to pick up anytime you have to depart.

Assess simply how much what you eat with every dinner during the day. A good guideline is to have areas of species of fish, poultry or various meats that happen to be no larger than three oz, or around how big your palm. Studies have shown that people that consider tabs about what they try to eat drop considerably more excess weight.

Continue to keep plenty of healthful treats handy. Get yourself a large, lidded plastic material pot. Load your freezer with prepared to try to eat vegetables that you take pleasure in. Put enough ice and drinking water in the bottom of your own container, and fill it with ready veggies. You are able to retailer them within the refrigerator so they will be readily available whenever you want them. That way, you should have a healthier goody that is able to go.

Fat loss lacks to become carried out all on your own. A like-minded relative or good friend is ideal, but you can also join a neighborhood fitness meetup group or take part in an internet discussion board for losing weight. You could possibly end up finding fat loss pals living in your town.

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Source: http://guru3x.com/top-rate-methods-for-maximum-weight-loss/

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Legal Management Software for Law Firms

As there are a number of law firms and all of them are managing their businesses with best of their efforts. They are there to help people who want their assistance when the need be there. This type of situation leads companies to get legal management software so that to handle their law firm related issues of file management, contact management, notes, billing, time sheets, collections, calendaring, document assembling and so on. All these jobs require more than one employees working for the firm. But these issues have been resolved due to the arrival of numerous software companies in the marketplace who have developed highly high-tech software for the purpose of assisting their law-firms related clients.

The legal management software contains tools that are used to manage contacts, read old instances and has all the information about the clients that may prove useful during the litigation process. The software is capable of managing the existing projects, necessary data about the cases and so on. It facilitates the work of a lawyer in all respects.

The solos who have not hired the services employees really get stuck when they have to manage the timeline, schedule, billing, etc. So things become difficult for them but not so if they get legal management software. The software is sure to handle all these situations perfectly. Various law firms are using this type of software for a number of years now without any complaints around.

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If you have been thinking about getting such software for your firm, you may contact the software company whose helpdesk official is accessible 24/7. The company offers its demo software service for the interested parties. Moreover, there are many companies who would give you money back guarantee to their clients. So the buyers should never be afraid of the loss of their money as the software providing company would never let them down in any way.

The legal management software is helpful in all respects as it has developed the software with the help well-practiced lawyers and attorneys. The references from law books, previous cases and so on are exactly according to the search criteria set by a finder. So the lawyer?s work is decreased to a great deal when he gets this software. The availability of the money back guarantee of 30 to 60 days is also worth mentioning in this regard.

The software actually does the work of assistants of the lawyers and it help them whenever the need be there.

If you are interested to Save Your Firm from Drowning in Administrative Tasks and, to know more about legal management software, Then please visit our website lucrativus.com

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Source: http://www.articlesbd.com/articles/217968/1/Legal-Management-Software-for-Law-Firms/Page1.html

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Political Moneyball (WSJ)

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Usher Stepson Kile Glover's Funeral Set For Friday

The 11-year-old will be laid to rest in Atlanta after being taken off life support.
By Nadeska Alexis

<P><a href="/news/articles/1689206/ushers-stepson-declared-brain-dead-after-jet-ski-accident.jhtml">Usher's stepson Kile Glover</a> will be laid to rest during a funeral service scheduled to take place in Atlanta on Friday. The 11-year-old died from heart failure last week after being <a href="/news/articles/1690157/usher-stepson-kile-glover-taken-off-life-support.jhtml">taken off life support</a> following a tragic jet-ski accident in early July.</P><P>Glover, who is the son of Usher ex-wife Tameka Foster and Atlanta TV executive Ryan Glover, was struck by a jet ski on Atlanta's Lake Lanier on July 6 while riding an inner tube with a friend. He was immediately airlifted to the hospital, where doctors <a href="/news/articles/1689206/ushers-stepson-declared-brain-dead-after-jet-ski-accident.jhtml">pronounced him brain-dead</a>. Glover was removed from life support last weekend, after his family previously issued statements asking fans for their prayers.</P><P>According to the <a href="http://www.ajc.com/news/atlanta/funeral-for-kile-glover-1484629.html" target="_blank"><i>Atlanta Journal-Constitution,</i></a> the funeral will be held at the Wieuca Road Baptist Church on Peachtree Road in Atlanta at 11 a.m. on Friday.</P><P>"We know God's in control, and are leaning on our faith in Him and His word at this most difficult time," the family said in a statement following the accident. "We firmly believe in the power of prayer and ask that you all continue to pray and lift Kile up, as it's the best way we can all support him now."</P><P>The man driving the jet ski that struck Glover was identified as 38-year-old family friend Jeffrey S. Hubbard. Police have not decided to press any charges so far. A second victim, a 15-year-old girl, was also injured in the accident, but she's said to be recovering after suffering from a broken arm and a cut on the head.</p>

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Source: http://www.mtv.com/news/articles/1690514/usher-stepson-kile-glover-funeral-date.jhtml

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