Thursday, September 29, 2011

Faster-Than-Light Neutrinos? Physics Luminaries Voice Doubts

News | More Science

We asked a number of physicists for their reaction to the announcement of neutrinos breaking the cosmic speed limit

Neutrino seminar at CERNFULL HOUSE: Dario Autiero of the OPERA collaboration announced his team's surprising finding on the speed of neutrinos to a packed auditorium at CERN on September 23. Image: ? CERN

A few dozen nanoseconds, an imperceptibly slim interval in everyday life, can make all the difference in experimental physics. A European physics collaboration made a stunning announcement September 23, after having clocked elementary particles called neutrinos making the underground journey from a lab in Switzerland to one in Italy. The neutrinos made the trip 60 nanoseconds faster than they would have traveling at light speed, the researchers found. Faster, that is, than the rules of physics as we understand them would allow.

If confirmed, the results from the OPERA (Oscillation Project with Emulsion-tRacking Apparatus) collaboration would be huge, a once-in-a-lifetime revolution in how we understand the universe. But there are plenty of reasons to believe that Albert Einstein's long-reigning theory of relativity will survive this challenge, as it has withstood so many in the past. [Read more about challenges to relativity in this article.]

That is the opinion of a number of physicists we contacted, many of them on Scientific American's board of advisers. Their reactions to the OPERA announcement appear below.


Astrophysicist and cosmologist Martin Rees of the University of Cambridge:
Extraordinary claims require extraordinary evidence. I think it will be perceived in retrospect as an embarrassment that this claim received so much publicity?the inevitable consequence of posting a preprint on the web. Neutrinos were observed from SN1987A more or less coincidentally with the explosion?not four years earlier, as would have been the case if the velocity difference had been the same as is now claimed (though of course the energies of the supernova neutrinos are much lower).

Theoretical physicist Steven Weinberg of the University of Texas at Austin, winner of the 1979 Nobel Prize in Physics:
I haven't seen any scientific article describing this work. It bothers me that there is plenty of evidence that all sorts of other particles never travel faster than light, while observations of neutrinos are exceptionally difficult. It is as if someone said that there are fairies in the bottom of their garden, but they can only be seen on dark foggy nights.

Theoretical physicist Lawrence Krauss of Arizona State University:
It is an embarrassment as far as I am concerned. It was not unreasonable for the experimentalists to submit a paper with an unexplained result. But a press conference on a result which is extremely unlikely to be correct, before the paper has been refereed, is very unfortunate, for CERN and for science. Once it is shown to be wrong, everyone loses credibility. Neutrino experiments are hard, and systematic errors at the limit of resolution can be significant. Moreover, because the experiment appears to violate Lorentz invariance, which is at the heart of so much known physics, one should be skeptical. One should be additionally skeptical because observations of SN1987A showed, as I wrote in 1998, that neutrinos and photons travel at the same speed to one part in a billion, several orders of magnitude below the claimed effect. Now, the only way out of that is to have some energy-dependent effect, but all the ones that make sense don't wash here.


Source: http://rss.sciam.com/click.phdo?i=ef46af9731a1e1c4a216bc03b41aa64e

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Wednesday, September 28, 2011

Real Estate Management: How can I get my real estate agent to ...


? ?

Question by Johnny: How can I get my real estate agent to drop the commision for selling my house?
I am trying to sell my parents house NY. How can I get the real estate agent to drop the commision from %5 to something lower.

Best answer:

Answer by Judy
If you?ve already signed a contract, you almost surely can?t, If you haven?t signed yet, you might be able to negotiate it.

Add your own answer in the comments!

Source: http://realpropertymanagement.tk/real-estate-management-how-can-i-get-my-real-estate-agent-to-drop-the-commision-for-selling-my-house/

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Tuesday, September 27, 2011

Learn Your Right To Meet The Criteria For Workers Compensation ...

Workers Compensation

During a typical workday, thousands of people suffer damage on the job working at their profession. States have developed a program called workers' compensation, which is used to assist in the restoration and rehabilitation from accidents as varied as amputated limbs to nerve damage.

The wellbeing of staff and business

The first hospital or physician's visit, drugs, missed pay because of the condition, travel, and being correctly educated for a different or comparable job may all perhaps be available by workers' compensation but depending on the degree of the damage. Even in the event the staff member failed to enroll in workers' compensation, the insurance company should still take care of the medical costs resulting from any therapy solution directly after the accident.

Workers compensation settlements can happen when an employee suffers a permanent injury attributable to a work accident. When a disability score is determined following a medical examination, the employer's workers' compensation insurer may supply a lump sum settlement to the injured worker for their claim.

The reform of litigation and compensation

Prior to the establishment of workers compensation, even awardsable a case wouldn't assure compensation to the employees as a result of particular loopholes that allowed businesses to avoid liability. Now with workers compensation, the injured employee is given a incapacity rating after being examined by a doctor at which point the employer's insurance coverage company strikes into settle the injured employee's claim.

Both workers and employers benefit from workers compensation legal guidelines for various causes; employers now have a stable compensation system built on the insurance coverage model as an alternative of the uncertainties of liability torts made even more uncertain by jury trials. Employees benefited in a variety of ways from the change in office accident compensation. The insurance format allowed them to work with out worry and uncertainty of being destitute or having to face the onerous authorized system at one time was biased in favor of the employer.

Getting honest treatment

Workers compensation laws fluctuate from state to state. State statutes and courtroom decisions control many elements, together with the handling of claims, the evaluation of impairment and settlement of disputes, the amount of advantages injured staff receive and the methods used to regulate costs. From 2008 to 2009 most income benefits for complete disability increased a mean 3.sixty seven percent. The average most weekly benefit in 2009 was $763.16, based on the U.S. Chamber of Commerce 2009 Analysis of Employee's Compensation Laws.

Workers who're unable to work due to accepted circumstances related to an industrial injury or occupational disease might be eligible for partial wage replacement benefits. Workers' compensation pays for the very first medical appointment and an ambulance, if required. Workers have the proper to select their doctor in most states. Company proprietors should document what caused the damage, speak together with your worker, and verify all the information within the accident report they'll obtain from workers' compensation. Employers must provide coverage for their employees. In return, employers usually cannot be sued for damages when a work-related damage or illness happens. Owners of sole proprietorships and other companies without workers are not don't have to have workers' compensation insurance coverage. Nevertheless, they may choose to purchase it through the state to deal with their own medical charges if they are hurt on the job. There are internet based workers'compensation forms available for at the various state websites as well as statistical information and rates. Go to the site available in your state.

Learn more about california workers compensation.

Basically, workers' compensation is a sort of insurance policy which state regulation requires all employers on this state to buy as a protection for his or her workers in case of a work-associated injury or work-associated accident. If an employer fails to buy employee's compensation insurance coverage, an injured worker will still be protected if he has a legitimate work comp claim by a State agency called The Uninsured Employers Fund. Although we take these advances as a right today; there was robust opposition from many fronts through the early establishment of our compensation system. If you are injured on the job, it is very important that you just understand the workers compensation process. Authorized selections by the courts and the state's statutes will manage how your claim is handled. Different states have particular measures for controlling prices of benefits to injured workers.

Source: http://helloworldonline.info/learn-your-right-to-meet-the-criteria-for-workers-compensation/

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Girls's Faculty Basketball ? Historical Past And Background ...

It is well known that basketball was invented in 1891 by Dr. James Nesmith, however what is not so well known is the historical past of women?s basketball. The inaugural ladies?s college basketball session was truly a part of a bodily schooling class at Smith School for ladies in Conneticut.

The very first girls?s college basketball recreation took place at Smith College for girls in 1893 where the freshman played in opposition to the sophomores. Unlike women?s college basketball video games at this time, the sport actually befell behind locked doors and men were prohibited from watching.

The rules of this primary girls?s faculty basketball sport had been altered from these of the unique males?s version to reinforce teamwork. The courtroom had three zones and three gamers from every workforce of nine have been allowed in each zone but couldn?t transfer out of their zone. Funnily enough, these early restrictions within the girls?s college basketball game are strikingly just like the sport of netball that?s played by schoolgirls and girls all over Europe.

Ladies?s faculty basketball started to unfold shortly and the primary game between two completely different girls?s college basketball teams was performed in April 1896 with Stanford beating Berkley. There have been still 9 players on each ladies?s faculty basketball team in this inter-college recreation however as a substitute of preserving the original rule the place a player might solely hold the ball for 3 seconds and must dribble it 3 times before passing this was modified so that a participant couldn?t run greater than 5 toes before having to pass the ball. Once again, nevertheless, as with the primary girls?s school basketball game, men were not allowed to watch the game.

The formal rules of girls?s college basketball had been first produced in 1901 and went via quite a few adjustments before creating into the sport that is performed today. Some of the fascinating facets of the early ladies?s faculty basketball games is that the basket was sewn shut so that the umpire had to remove the ball from it each time it was put via the hoop.

The familiar indoor basketball courtroom that as we speak?s girls?s college basketball teams play on was not all the time made obtainable to the ladies for a couple of decades after the game began. Some ladies?s college basketball teams needed to play on grass courts exterior and didn?t have the chance to play on an indoor court at all.

For facts in relation to portable basketball hoop, swing by Orville Goughlinester?s Site directly.

Tags: sports

Related posts

Source: http://infopadres.com/girlss-faculty-basketball-historical-past-and-background.html

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Monday, September 26, 2011

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Sunday, September 25, 2011

Perspectives On Colorectal Cancer ? What Is It? | Cancer News

Intestines cancer can be a significant health problem and general public health symptom in
the majority of the Developed nations around the world even with popular usage of screening process strategy
for you to discover beginning of the illness. In the us on your own greater than
148,000 everyone is clinically determined to have digestive tract cancer each and every year. Above 55,000
fatalities appear in the usa as a result of digestive tract cancer. Colon Cancer will be
a common illness and it?s the third most typical kind of cancer both in
genders. Of males that rates high third following prostate related and lung cancer and ladies
right after lung and breast cancer. Intestinal tract cancer rankings second soon after lung
cancer with regards to quantity of demise through cancer.

Tastes intestinal tract malignancies (72%) begin in the particular digestive tract and scaled-down small percentage
(28%) occurs inside rear end. The particular life span likelihood of getting informed they have
intestinal tract cancer in america will be 5.9% for adult men and 5.5% for females.

There are numerous acknowledged danger aspects for intestines cancer. Getting a men
positions the upper chances associated with digestive tract cancer in comparison with getting feminine. Growing
grow older is owned by a rise in potential risk of digestive tract cancer.
Likelihood associated with digestive tract cancer can be greater amid African People in the usa when compared with
Caucasians. Chance of creating digestive tract cancer is significantly increased for men and women
moving into the particular developing nations around the world in comparison to significantly less developed
countries.

Diet regime, abundant in body fat and ldl cholesterol, is related to improve likelihood of creating
digestive tract cancer. Deficiency of appropriate workout, reputation involving inflamation related intestinal
illness, some kinds of polyps and reputation members of the family along with prognosis
regarding intestines cancer are already linked to greater risk involving continuing development of
digestive tract cancer.

Initial phases involving intestinal tract cancer might not exactly trigger virtually any signs or symptoms. Some individuals
may expertise imprecise signs similar to slight ab pain, unwanted wind or even
looseness of. Sometimes there may be tiny hemorrhaging and the identification
involving intestinal tract cancer can be alleged as a result of profile involving anemia via
long-term hemorrhage. A lot of people may well build frank blood loss or perhaps signs and symptoms of
digestive tract blockage.

Screening process for intestinal tract cancer can easily identify the condition in an earlier stage. A
anus assessment and study of your feces example of beauty for the existence of
minute level of bloodstream are extremely widespread testing methods. Sigmoidocopy
and colonoscopy will be more intrusive inspections, which may find and
get rid of several polyps that has to be precursors involving cancer. Significantly less unpleasant
tactics similar to barium enema, digital colonoscopy utilizing a CT have a look at equipment
can also be frequently employed in verification and carried out intestines cancer. Grown ups
using an regular chance of intestines cancer must start off intestinal tract cancer
screening process start when he was Fifty.

Treatments for intestinal tract cancer is dependent upon your stage in the condition. First
levels regarding intestinal tract types of cancer are generally helped by surgical treatment on it?s own, later on periods involving
intestines cancer are generally given surgical procedure accompanied by chemo together with or even
with no light treatment method. Arschfick types of cancer will be more usually helped by
radiotherapy in comparison to colon cancer. Superior levels involving intestinal tract
cancer, in which the illness provides propagate with other bodily organs, are often taken care of
along with radiation treatment on it?s own. There are numerous brand-new chemotherapeutic agents and
organic medicines offered for the management of intestinal tract cancer. Therapy
associated with digestive tract cancer offers been through notable modifications in the past 10 many years. The actual
new prescription medication is displaying significantly enhanced efficiency and extending life
requirement throughout people using superior stage digestive tract cancer. Find out more other good information relating to what are some signs of colon cancer, what are the first signs of colon cancer and what are the early signs of colon cancer

Source: http://cancernewsdigest.com/colon-rectal-cancer/perspectives-on-colorectal-cancer-what-is-it/

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Palestinians submit UN statehood bid

UNITED NATIONS (AP) ? Defying U.S. and Israeli opposition, Palestinians asked the United Nations on Friday to accept them as a member state, sidestepping nearly two decades of failed negotiations in the hope this dramatic move on the world stage would reenergize their quest for an independent homeland.

Palestinian President Mahmoud Abbas was greeted by sustained applause and appreciative whistles as he approached the dais in the General Assembly hall to deliver a speech outlining his people's hopes and dreams of becoming a full member of the United Nations. Some members of the Israeli delegation, including Foreign Minister Avigdor Liebermann, left the hall as Abbas approached the podium.

Negotiations with Israel "will be meaningless" as long as it continues building on lands the Palestinians claim for that state, he declared, warning that his government could collapse if the construction persists.

"This policy is responsible for the continued failure of the successive international attempts to salvage the peace process," said Abbas, who has refused to negotiate until the construction stops. "This settlement policy threatens to also undermine the structure of the Palestinian National Authority and even end its existence."

To another round of applause, he held up a copy of the formal membership application and said he had asked U.N. chief Ban Ki-moon to expedite deliberation of his request to have the United Nations recognize a Palestinian state in the West Bank, Gaza Strip and east Jerusalem.

To be sure, Abbas' appeal to the U.N. to recognize an independent Palestine would not deliver any immediate changes on the ground: Israel would remain an occupying force in the West Bank and east Jerusalem and continue to severely restrict access to Gaza, ruled by Palestinian Hamas militants.

Beyond that, Security Council action on the membership request could take weeks or months.

The strategy also put the Palestinians in direct confrontation with the U.S., which has threatened to veto their membership bid in the Council, reasoning, like Israel, that statehood can only be achieved through direct negotiations between the parties to end the long and bloody conflict.

Also hanging heavy in the air was the threat of renewed violence over frustrated Palestinian aspirations, in spite of Abbas' vow ? perceived by Israeli security officials as genuine ? to prevent Palestinian violence. The death on Friday of 35-year-old Issam Badram, in gunfire that erupted after rampaging Jewish settlers destroyed trees in a Palestinian grove, was the type of incident that both Palestinians and Israelis had feared would spark widespread violence.

Yet by seeking approval at a world forum overwhelmingly sympathetic to their quest, Palestinians hope to make it harder for Israel to resist already heavy global pressure to negotiate the borders of a future Palestine based on lines Israel held before capturing the West Bank, east Jerusalem and Gaza in 1967.

In recent weeks, international mediators have been furiously trying to piece together a formula that would let the Palestinians abandon their plan to ask the Security Council for full U.N. membership, and instead make do with asking a sympathetic General Assembly to elevate their status from permanent observer to nonmember observer state. The other part of that formula would include the resumption of negotiations in short order.

The U.S. and Israel have been pressuring Council members to either vote against the plan or abstain when it comes up for a vote. The vote would require the support of nine of the Council's 15 members to pass, but even if the Palestinians could line up that backing, a U.S. veto is assured.

The resumption of talks seems an elusive goal, with both sides digging in to positions that have tripped up negotiations for years. Israel insists that negotiations go ahead without any preconditions. But Palestinians say they will not return to the bargaining table without assurances that Israel would halt settlement building and drop its opposition to basing negotiations on the borders it held before capturing the West Bank, east Jerusalem and the Gaza in 1967.

Israel has warned that the Palestinian appeal to the U.N. will have a disastrous effect on negotiations, which have been the cornerstone of international Mideast policy for the past two decades. Netanyahu, who is to address the General Assembly later Friday, shortly after Abbas makes his own address, opposes negotiations based on 1967 lines, saying a return to those frontiers would expose Israel's heartland to rocket fire from the West Bank.

He also fears that if that principle becomes the baseline for negotiations, then Palestinians won't settle for anything less, despite previous understandings between the Palestinians and previous Israeli governments to swap land where settlement blocs stand for Israeli territory.

Talks for all intents and purposes broke down nearly three years ago after Israel went to war in the Gaza Strip and prepared to hold national elections that ultimately propelled Netanyahu to power for a second time. A last round was launched a year ago, with the ambitious aim of producing a framework accord for a peace deal, but broke down just three weeks later after an Israeli settlement construction slowdown expired.

Quartet envoy Tony Blair cautioned that the move at the U.N. must be followed by negotiations.

"You can pass whatever resolution you like at the United Nations, or at the Security Council, and it doesn't actually deliver you a state," Blair told BBC Radio. "And if you don't have a negotiation, whatever you do at the U.N. is going to be deeply confrontational."

The U.N. recognition bid has won Abbas broad popular support at home, but it is opposed by his main political rival, the Islamic militant Hamas movement that violently wrested control of Gaza in 2007.

Gaza's Hamas prime minister, Ismail Haniyeh, accused Abbas on Friday of relinquishing Palestinian rights by seeking recognition for a state in the pre-1967 borders. Hamas' founding charter calls for the destruction of Israel and a state in all of the territory between the Mediterranean and the Jordan River, though some Hamas officials have suggested they would support a peace deal based on the 1967 lines.

"The Palestinian people do not beg the world for a state, and the state can't be created through decisions and initiatives," Haniyeh said. "States liberate their land first and then the political body can be established."

_____

AP correspondent Tarek el-Tablawy contributed to this report from the United Nations.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2011-09-23-UN-Mideast/id-7895c6e5101144ccb4309e0d6fee5cdf

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Saturday, September 24, 2011

NC men declared innocent after serve decade on murder charges (Reuters)

RALEIGH, North Carolina (Reuters) ? A three-judge panel in Asheville, North Carolina ruled on Thursday that two men who spent a decade in prison after confessing to a murder charge are innocent of the crime and should be immediately released.

The judges ruled after hearing witnesses' testimony and reviewing the facts that led to the convictions of Kenneth Kagonyera, 31, and his co-defendant Robert Wilcoxson, 32.

The two men had maintained their innocence despite their guilty pleas. They said they agreed to plead guilty to second degree murder to avoid being sentenced to the death penalty or life in prison without parole.

Chris Fialko, a Charlotte attorney who represented Wilcoxson, walked his client out of the Buncombe County jail about 4 p.m. Thursday.

"It was a remarkable thing to watch him give a big hug to his daughter who was born two months after his arrest. He had never been able to hug her before," Fialko told Reuters.

Kagonyera was also released Thursday.

Ken Rose, an attorney with the Center for Death Penalty Litigation, a non-profit law firm in Durham, North Carolina, said the exonerations demonstrate how the threat of the death penalty can lead to wrongful convictions.

Rose said the exonerations were especially notable a day after a popular outcry failed to stop the execution of Georgia inmate Troy Davis. Davis was executed despite a campaign to have his conviction reviewed after multiple witnesses recanted their testimony against him.

"The events in the last couple of days raise again the question of whether the death penalty is bad policy leading to wrongful convictions and the executions of innocent people," Rose said.

The convictions of Kagonyera and Wilcoxson were brought before the judicial panel by the North Carolina Innocence Inquiry Commission, a state agency that reviews inmates' claims of innocence.

The Commission, the first of its kind in the nation, was created by the North Carolina General Assembly in 2006 and began operating in 2007. In 2010 Gregory Taylor became the first person to be exonerated after the commission reviewed his case and sent it to a three-judge panel.

Taylor was cleared after serving 17 years for a murder that he did not commit. A person exonerated by the process is declared innocent and cannot be retried for the same crime.

Kagonyera and Wilcoxson were convicted of the shotgun killing of Walter Bowman, 51, in Fairview, North Carolina. Bowman died after three men wearing bandanas and gloves burst into his home on September 18, 2000 and one shot him in the abdomen.

Police believed that the home invasion was planned as a robbery because Bowman's son was a drug dealer, according to a commission summary of the case. DNA tests of bandanas found near the scene showed no link to Kagonyera and Wilcoxson.

In 2003, Robert Rutherford, a federal prisoner on unrelated charges, admitted to participating in the home invasion with two other men who were not Kagonyera and Wilcoxson. The commission found no evidence that any action was taken in response to the confession.

On March 30, 2007, the DNA profile obtained from the bandana was connected to man who was named in Rutherford's confession and an early Crime Stoppers tip, but was not arrested.

(Editing by Jerry Norton)

Source: http://us.rd.yahoo.com/dailynews/rss/crime/*http%3A//news.yahoo.com/s/nm/20110922/us_nm/us_crime_ncarolina_innocent

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Friday, September 23, 2011

How To Steer Clear Of Ramona Plumbing Problems | ABIM Home ...

The following is some useful info about how to keep away from plumbing difficulties. The faster you address a problem the better. If you wait far too long one thing that may well be minimal could turn into a significant catastrophe that could expense a good deal of money. So the very first the point to do is to understand to acknowledge the signs or symptoms and fixing them proper absent.

Learning how to avoid issues such as leaks, bursting pipes, and clogged drains is not challenging. Both older and newer properties want to be monitored all yr extended for the indications of potential concerns. Older homes are possibly a lot more susceptible to significant potential emergencies. Nevertheless, new homes can have their share of troubles as effectively. Whichever the age of your residence, it is a worthwhile investment to teach your self on how to deal with typical scenarios that home owners deal with.

A leaking toilet is a typical incidence. The components inside of the toilet dress in out causing leaks. A leaking toilet can waste an awfully whole lot of drinking water, adequate to fill up a swimming pool if it is not fixed swiftly. Normally you only have to exchange the flush valve. This is a basic career that most folks can do themselves. A new flush valve only costs a couple of pounds.

Rest room drains frequently get clogged with hair and soap scum. You can use an regular plunger to unclog the drain but the drain will possibly get clogged up once more rather quickly. There are industrial products that will unclog drains. If you have a serious clogged drain the heavy duty products will work better but they are far more pricey. An aged plumber?s trick is to use a moist dry vacuum to basically suck the mess from the drain.

Kitchen area drains get clogged with grease. Of training course, you really should have strainers to catch food particles before they can clog kitchen drains. When a week or so you need to pour boiling h2o down the cooking area sink to dissolve the grease buildup. This is a great preventative measure.

The connections to your washing device are a susceptible place. The rubber hose can turn out to be brittle. If they commence leaking you can have a flood in your basement. You should check out washing device hoses routinely. Far better however change the rubber hoses with steel hoses. It is not a bad thought to have a separate shutoff valve for your washing device.

Your home has a principal drinking water valve that controls the circulation of h2o into your home. It is extremely crucial to know exactly where this valve is. If there is an emergency you could require to shut this price off to stop a great deal of injury. Make certain absolutely everyone in your home is aware of exactly where the primary valve is and how to flip it on and off.

Finding out how to stay away from plumbing troubles can help save you a lot of cash and a lot of headache. Ideally, these preventive measures will stay away from most conditions. A minor avoidance can go a extended way. Just in case, have a good partnership with a certified skilled for these times that are as well severe for you to manage all by oneself.

Being a plumber signifies attending to quite a few calls on a regular basis. Ramona Plumbing are continually prepared to provide first-class plumbing services, even on very short notice. Equipped with professional plumbing gear, our plumbers tackle both household and industrial plumbing problems.

Source: http://abim.tv/homeimprovement/how-to-steer-clear-of-ramona-plumbing-problems/

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Budgeting Financial- 9 Most up-to-date Suggestions Corporate ...

The word spending budget gains groans of torment frequently from a number of people but there really is nothing to agonize over. A spending budget is simply a spending plan that includes every thing you will have to spend cash on.

I?m absolutely sure your search for budgeting financial has come to a close as you read this article. Yes, gone are those days when we must search constantly for budgeting financial information or other such info like how to budgeting,personal finances free, creating a budget plan or maybe best personal budgeting software.

Should you do not need it, do not purchase it! Getting issues on impulse may provide you with an emotional lift at the time, but later as you assess the monetary harm you?re positive to regret it. It?s a great budgeting tip to only acquire issues which you require and have already budgeted for. In other words, if it isn?t already in your budget, put it back on the shelf.

Each and every of us has a list of expenses that we think about to be priorities. They may well be your mortgage or rent, your electric and gas, the water bill, the phone, and maybe even the cable bill. But then we also have bills that aren?t all that important for example cell phones, high-speed web at residence, the everyday newspaper, or even our gym membership. In case you are looking for budgeting ideas and methods to minimize your expenses, then you truly do need to establish for yourself what is crucial and what is not.

Are you finding this work related to budgeting financial so far beneficial? I hope so because that?s the goal of this piece of writing ? to get you better educated on budgeting financial and other related home budgeting software, free home budgets, budgets and financial plans, money saving tips and information.

For each item obtainable within the marketplace, you always have a selection whether or not to go with the most pricey brand or probably the most affordable. A lot of folks think that they can go for the most costly purchases just as long as they still stick with their budget program. On 1 hand, it isn?t totally a poor thing since the most essential matter would be to abide by the budget.

Couples with two incomes should attempt where possible to live on one income alone. Use the other income to pay off outstanding debts and construct a savings cushion in case of decreased income. If all income into the household is presently required for the budget, make lowering your debts and overheads a priority to ensure that living on one income becomes a financially viable scenario as soon as feasible.

Maintain receipts so you can keep track of your spending. You?ll be able to do this manually, using pen and paper, or you?ll be able to use a spreadsheet or a software. When you take note of where your money goes, you can determine later on how you can allocate resources far better and which things to spend much more or much less on.

Many individuals that searched for budgeting financial also searched online for financial budget, home budgets, and even free personal budgeting tools,california budget news.

Will following your spending budget always be straightforward? No. You may discover you purchase pants without thinking, or office supplies, or fancy coffees. Deal with the hidden emotion behind those excessive purchases. An emergency may make you deviate from your program. If either happens get back on track as soon as you are able to.

We Writes Articles About budgeting financial In the event you like expert advice, get in touch with household budget software for totally free downloads,guidance and counsel.

Generating personal finance budgeting a priority for the New Year is a resolution that, with a little function, should be easy to stick to. Remember to look for methods to save in each aspect of your life. You will be pleasantly surprised when the function you have been putting toward your spending budget starts to pay off. In a couple of months, it won?t even feel like function anymore. Budgeting will grow to be a natural component of your life & you will be enjoying a better financial future.

Addendum ? You have come to the end of this article related to budgeting financial . It is our hardest hope that you found it not only helpful as regards budgeting financial but in some way as regards budgeting and planning, free budgeting programs, personal finance budgeting software, free personal finance related info.

Source: http://information2all.com/budgeting/237/budgeting-financial-9-most-up-to-date-suggestions-corporate-budgeting/

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Thursday, September 22, 2011

For Student Borrowers, a Hard Truth

20 Sep, 2011

For Student Borrowers, a Hard Truth

Written by admin

As many students and parents struggle to make payments on their student loans, many are finding this debt comes with some serious strings attached.

After years of economic difficulty and rising college tuition, the recent news that the default rate on federal student loans has risen came as little surprise to many. nearly one in ten federal student-loan borrowers defaulted during the two years ended Sept. 30, 2010, meaning they failed to make a payment on their loans for more than 270 days, according to the Department of Education. That?s up from 7% in 2008. Much of that increase came from for-profit colleges, whose students? default rate jumped to 15% from 11.6%, but the default rate among students at public and private, four-year universities also increased.

What many people may not realize, however, when taking out a student loan is just how different it is from other kinds of debt. Credit-card debt, for example, can be wiped out in bankruptcy. Mortgages can be discharged through foreclosure. For borrowers with crippling student loan debt, financial failure offers no such fresh start. The loan still must be paid off, and often with new collection costs tacked on, making it much more expensive than before. on top of that, up to 25% of a person?s wages can be deducted until the loan is paid back in full. (Private lenders must get court approval for wage garnishment and the amount they can take varies.) with federal loans, the government can also keep your federal and state income tax refunds, intercept future lottery winnings and withhold part of your Social Security payments. ?Defaulting can be completely devastating to a family?s finances and sense of well being,? says mark Kantrowitz, publisher of FinAid.org and Fastweb.com.

For borrowers with no other choice but to default, the consequences can be far-reaching. Parents who are cosigners on their kid?s loan may have to divert 401(k) savings to pay off the loans, leaving them in a precarious game of catch-up as they approach retirement. College grads may be unable to buy a home or obtain other credit. As with other types of loans, a student-loan default means a lower credit score. Parents with decent credit could see a decline of up to 200 points, says John Ulzheimer, president of consumer education at SmartCredit.com, a credit-monitoring site. Students? scores could drop down to the 500s, according to FICO. And unlike mortgage foreclosures, the default can remain on a borrower?s credit score for more than seven years, says Ulzheimer.

To be sure, borrowers who have defaulted can minimize the financial burden by working out a payment plan with the lenders or collection agency. with federal loans, borrowers can also clear a default from their record if they make nine out of 10 consecutive full on-time monthly payments, says Kantrowitz. Borrowers can also try to work out a repayment plan, which can protect them from wage garnishment.

Of course, these plans require that the borrower now has the means to repay the loan even under new terms. That?s a tall order for defaulters, many of whom are recent college graduates that are having a tough time landing a job in this market. The unemployment rate for recent grads age 20 to 24 was 10.7% in August, more than double the rate for those 25 and older who have bachelor?s degree, according to data from the Bureau of Labor Statistics.

For Student Borrowers, a Hard Truth

Source: http://thebreakingstory.com/personal-finance/for-student-borrowers-a-hard-truth/9313.html

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Pentagon may delay work on 100 more F-35 fighters (reuters)

Share With Friends: Share on FacebookTweet ThisPost to Google-BuzzSend on GmailPost to Linked-InSubscribe to This Feed | Rss To Twitter | Politics - Top Stories News, RSS Feeds and Widgets via Feedzilla.

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Wednesday, September 21, 2011

Pennsylvania Backpacking | AutoRoll - Recreation and Sports

[unable to retrieve full-text content]When it comes to out of doors recreation, Pennsylvania abounds with numerous opportunities. You have canoeing, canoeing, white water ... AutoRoll ? Recreation and SportsYour automated source for all things Recreation and Sports online. Home · About. Subscribe: Posts | ... This Pennsylvania hiking trail connects Ohiopyle State Park to the western extreme of the Conemaugh Stream Gorge, near Johnstown, Pennsylvania. As you travel along this Pennsylvania trail, ...

Source: http://recreationandsports.therefinedgeek.com.au/index.php/2011/09/pennsylvania-backpacking/

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92% Drive

All Critics (161) | Top Critics (38) | Fresh (147) | Rotten (13) | DVD (2)

The extreme and escalating violence will prove off-putting to some-frankly, I'm surprised not to have been among them-but for the rest, Drive is a needle-punch of adrenaline to the aorta.

In reworking genres without quoting shamelessly, Refn proves himself his own man and a guy quite capable of taking us places we didn't even know we wanted to go.

Drive is pedal-to-the-metal stuff. Don't get behind the wheel unless you can take the rush.

This is no antic-frantic affair; instead, it's a cerebral game of stop-and-go, hide-and-seek, as the director behind the camera handles things exactly like the guy behind the wheel - with a stylish mixture of cold calculation and cool aplomb.

The pace of this film is a beautiful thing to behold, as Drive is a patient but taut thriller.

For stone-cold, retro action fans who are tired of all these over-edited, underachieving thrillers - well, here's one car chase movie that isn't running on empty.

It's rare to feel such a unique tone with such an ordinary idea. Gosling, Brooks and 'A Real Hero' all shine in this great film.

A brilliant work of art that's bold, daring and unpredictable.

Remember Drive Angry...? (I hope you don't.) This is not that movie... This is Drive Calm. This is Drive Cool.

Stylish to the point of insanity, Refn's film somehow manages the whole '80s neo-noir' thing without being even slightly irritating.

Oh alright, it ain't Shane. But it is about as much shamelessly disreputable, stylish, ultra-violent fun you're going to have at the movies this year.

It is the autumn's first golden boy after a summer of lightweight superhero fare, but is truly no richer in thought or spirit than the shallowest comic-book flick.

Refn accomplishes the near impossible in modern movies: combining uncompromising art-house style with the real potential for mass-market accessibility, in a pitch-perfect blend of pulp narrative and pure cinema.

Provided you have a strong stomach for gore, don't miss this novel cinematic treat offering both an adrenaline fix and a compelling love story.

Moody and mystical at the start, this movie explodes with violence which shakes its audience to the core.

I think it was a master acting class, honestly...the violence was amazing. It's not going to be for everyone but it's definitely worth seeing!

Refn's film is by no means a remake of Hill's The Driver but it's a definite kindred soul. Refn is like a jazz artist riffing on a colleague's composition and delivering a product that still manages to be totally his own.

Fascinating cinematography and a riveting performance by Ryan Gosling elevate 'Drive' above many other heist-gone-wrong movies.

Winner of the Best Director prize at this year's Cannes Film Festival, "Drive" is a stylish film that doesn't know what it wants to be. Is it a thriller? A romance? A heist film? All of the above? To be honest, I really don't know

A unique blend of classical tropes and modern filmmaking.

so possessed by the motion in its pictures --even its frozen tableaus are alive with the threat of movement -- it immediately joins the pantheon of Cinema's Coolest Movies

The talented Danish filmmaker revs up the action sequences and violence and outdoes the Americans in their specialty of sleazy pulp fiction.

My hands are a little dirty, too.

The entire supporting roster is strong, although Albert Brooks deserves his own standing ovation. The nebbish from Broadcast News and Lost in America has been reconfigured as a slow-burning sadist, and it's a sight to chill the spine.

Atmospheric, refreshingly intelligent and suspenseful with a well-nuanced performance by Ryan Gosling. It's one of the most invigorating thrillers of the year because it offers both style and substance.

More Critic Reviews

Source: http://www.rottentomatoes.com/m/drive_2011/

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Tuesday, September 20, 2011

Dam removal begins, and soon the fish will flow

Reporting from Port Angeles, Wash.?

In a deep turquoise pool in a gorge of steep granite and thick Douglas fir, dozens of salmon swam fitfully. Swirling and slow, they made their way up one side of the riverbed, only to run into the steep concrete face of Elwha Dam ? the formidable barrier that for nearly 100 years has cut off most of the Elwha River from the salmon that traditionally populated it.

Some primordial genetic imprint makes these fish keep trying. Nurtured in hatcheries for years, supplemented by the few wild fish that managed to spawn in the limited five-mile stretch of river left below the dam, these 20-pound chinook still fling themselves up the river.

Or try to. Soon, they'll be able to continue on the journey that nature compels them to make.

Interactive graphic: Dismantling the dam

On Saturday, in what is being billed as one of the biggest environmental achievements of a generation, a bulldozer began to etch large chunks of concrete out of the barrier. The removal is the first step toward bringing down two hydropower dams that for a century have straddled the pristine river traversing the northern reaches of Olympic National Park.

The effort is the largest dam removal project ever undertaken in the United States. It comes at a time when the nation's 80,000 dams, many of them aging and backed up with choking silt, are increasingly suspected of having outlived their usefulness.

"This is just breathtaking for me. This is not only an historic moment, but it's going to lead to historic moments elsewhere across the country," said Michael Connor, commissioner of the U.S. Bureau of Reclamation.

He made the comments as a stage full of politicians, including Interior Secretary Ken Salazar, Washington Gov. Chris Gregoire, actor Tom Skerritt, U.S. Sens. Maria Cantwell and Patty Murray, and leaders of the Lower Elwha Klallam Tribe feted the demise of a structure once celebrated as a triumph of engineering and economic development.

"Twenty-five years ago, the idea of removing this dam or any dam was really seen as a crazy idea by a bunch of wild-eyed environmental extremists," said Bob Irvin, president of the nonprofit group American Rivers, which is pushing to restore rivers across the U.S. "Now it is a mainstream idea, because people recognize the benefits of restoring healthy rivers ? benefits not only to the environment, but to communities."

Built in 1913, the 108-foot-high Elwha Dam and its 210-foot companion structure upriver at Glines Canyon have provided river-powered electricity to a large mill in nearby Port Angeles. But other sources of power have now been identified for the mill and the rest of Port Angeles, and Congress nearly 20 years ago passed legislation authorizing the dams' removal. Engineers say it will take two to three years to completely breach the dams, and as long as 30 years before the Elwha River can return completely to its full, glacier-fed natural state.

The project will proceed slowly to accommodate the 24 million cubic yards of sediment that have accumulated behind the dam.

"That's a really big number. It is a football-field-size stack of sediment as high as the Empire State Building, 11 times," said Jeff Duda, research ecologist at the U.S. Geological Survey's Western Fisheries Research Center in Seattle.

Gradually, though, the sediment will wash downstream, and the salmon now barricaded at Elwha Dam will be able to swim up and repopulate more than 70 miles of the river and its tributaries, nearly all of the territory pristine because it lies within the national park.

Their return, scientists say, will allow the creatures that flourish on salmon ? the bears, eagles, otters and orcas that also call this region home ? to experience rejuvenations of their own.

Biologists say the 3,000 salmon that still spawn in the lower Elwha River can eventually multiply to more than 300,000.

Several smaller dams in southern Oregon already have been removed, and another is targeted for removal on the White Salmon River in southwestern Washington in October. More than 235 dams across the country have been pulled down or breached since 2006.

Here in the Northwest, conservationists are setting their sights on a much bigger prize: the big hydropower dams on the Lower Snake River in southeastern Washington ? dams that still have a powerful constituency of farming, transportation and public utility backers who won't give way to salmon without a fight.

Though many species of Pacific salmon are now listed as threatened or endangered, the old stories handed down by Lower Elwha Klallam elders tell a much different story ? of a time when pink salmon were so abundant in Idaho Creek, an Elwha tributary, that horses "shied and refused to cross the channel," one elder told a researcher.

An early homesteader at the turn of the 20th century described in a letter to his sister that the salmon near where one of the dams would be built "lay there with their backs out of water. All I had to do was to reach over them, hook the hook in their back and pull them out."

On Saturday, ceremony-goers stood on the top of the dam and pushed their faces against the fence to see the salmon ? descendants of those old fish ? swimming at the face of the dam down below.

"It's sort of inherent in their systems ? incredible, really. There's some innate homing behavior in these fish; they're responding to some kind of ancient cue to their natural spawning area, upriver," said Lyman Thorsteinson, director of the USGS fisheries center, as he watched them.

"It's as if they know," said Will Hall, deputy mayor of the city of Shoreline, north of Seattle, who had come for the festivities. "'Take down that dam. Let us go through.' This is what it's all about."

Interactive graphic: Dismantling the dam

kim.murphy@latimes.com

Source: http://feeds.latimes.com/~r/latimes/news/science/~3/WsPgDE3BaoU/la-na-0918-dam-20110918,0,1603613.story

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The (mental) games we play | Outdoor Gear and Adventure Blog by ...

Posted by Alison O'Leary Murray on 19, September 2011 with



Hale Reservation in Westwood, MA is an idyllic place until the gremlins of doubt get into your head

Passing on the left is customary on the highway and in competitions. But when I rode up behind a couple of women in the Hale Reservation (offroad) triathlon, I SO wanted to pass on the right.

It took me forever to get around these two, owing to the width of the trail and the obstacles we were attacking in that particular half-mile or so. It gave me time to assess their bikes, their gear, their clothing, all in an effort to determine if we have comparable mountain biking skills, if I really should have caught and passed them earlier.. but most importantly, if we were close in age. That?s why I wanted to pass on the right: at registration, competitors? ages were marked on our right calves.

Before you judge me as shallow, consider my motive. It?s all part of the game: mentally, passing someone younger would give me a boost. Passing someone the same age but who was well-equipped, gear-wise, could also be considered a win. But if they were on their kids? Huffy bikes and wearing Sketchers, not so much. Get it? Of course, passing a guy of any condition or age is always a major moment of excitement, mostly because the men started well before the women in the swim (and I loved that an entire wave of them had the pink bathing caps on!). Yes, I passed a couple on the bike, and a couple more running. Score!

The mental game has so many facets for me. I?m racing against myself primarily, and my inner gremlins are my biggest obstacles (thoughts like ?why can?t I get my legs to go faster? I must have some serious degenerative disease that is keeping me from moving them, like in a bad dream? and ?I suck because I didn?t get out and run more because I had to work so much last week because the bills are stacking up..?). Turning down those thoughts by focusing on the competition is so much more motivating and positive.

Yet I relapse at times, too. During the final phase, the trail run, one of the two mountain biking women had gotten in front of me again and she turned to a fellow competitor on the trail for a momentary chat. Hey, wait a minute, I thought. We?re all the same age, playing in the same sandbox, maybe I should be social too? but then would I find out that they?re not the secret superheroes I?ve built them up to be? What if I catch up to them and find out they?re just from the neighborhood and decided to do the race on a lark? That would be so deflating.

Still, I wanted someone to tell me if I?d gotten chocolate Gu all over my face (as I suspected, trying to consume it on the bumpy bike ride). That just wouldn?t look good in the post-race Flickr photos, you know, girlfriend?

Source: http://www.emsexploration.com/wordpress/the-mental-games-we-play/

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Monday, September 19, 2011

Give Any Paper Bag a Handle With Simple Origami [MacGyver Tip]

Give Any Paper Bag a Handle With Simple OrigamiBy their very nature, paper bags don't have the greatest handles, but Instructable user Berkana provides instructions for some simple origami to add a quick-use handle to nearly any paper bag.

It only takes three folds to get the job done and once it's complete, you won't have to roll up the top of your take-out or lunch bags anymore. It's surprisingly secure too, so you don't need to worry about the fold breaking and your lunch spilling everywhere. You can find the whole three-step process over on Instructables.

Practical Origami: instant handles for paper bags | Instructables

Source: http://feeds.gawker.com/~r/lifehacker/full/~3/pT0EVUindw8/give-any-paper-bag-a-handle-with-simple-origami

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Behind the poverty numbers: real lives, real pain (AP)

At a food pantry in a Chicago suburb, a 38-year-old mother of two breaks into tears.

She and her husband have been out of work for nearly two years. Their house and car are gone. So is their foothold in the middle class and, at times, their self-esteem.

"It's like there is no way out," says Kris Fallon.

She is trapped like so many others, destitute in the midst of America's abundance. Last week, the Census Bureau released new figures showing that nearly one in six Americans lives in poverty ? a record 46.2 million people. The poverty rate, pegged at 15.1 percent, is the highest of any major industrialized nation, and many experts believe it could get worse before it abates.

The numbers are daunting ? but they also can seem abstract and numbing without names and faces.

Associated Press reporters around the country went looking for the people behind the numbers. They were not hard to find.

There's Tim Cordova, laid off from his job as a manager at a McDonald's in New Mexico, and now living with his wife at a homeless shelter after a stretch where they slept in their Ford Focus.

There's Bill Ricker, a 74-year-old former repairman and pastor whose home is a dilapidated trailer in rural Maine. He scrapes by with a monthly $1,003 Social Security check. His ex-wife also is hard up; he lets her live in the other end of his trailer.

There's Brandi Wells, a single mom in West Virginia, struggling to find a job and care for her 10-month-old son. "I didn't realize that it could go so bad so fast," she says.

Some were outraged by the statistics. Marian Wright Edelman of the Children's Defense Fund called the surging child poverty rate "a national disgrace." Sen. Bernie Sanders, I-Vt., cited evidence that poverty shortens life spans, calling it "a death sentence for tens and tens of thousands of our people."

Overall, though, the figures seemed to be greeted with resignation, and political leaders in Washington pressed ahead with efforts to cut federal spending. The Pew Research Center said its recent polling shows that a majority of Americans ? for the first time in 15 years of being surveyed on the question ? oppose more government spending to help the poor.

"The news of rising poverty makes headlines one day. And the next it is forgotten," said Los Angeles community activist and political commentator Earl Ofari Hutchinson.

Such is life in the Illinois town of Pembroke, one of the poorest in the Midwest, where schools and stores have closed. Keith Bobo, a resident trying to launch revitalization programs, likened conditions to the Third World.

"A lot of the people here just feel like they are on an island, like no one even knows that they exist," he said.

___

STRUGGLING ON $18,000 A YEAR

It's hard to find some of the poorest residents in Pembroke. They live in places like the tree-shaded gravel road where the Bargy family's dust-smudged trailer is wedged in the soil, flanked by overgrown grass.

By the official numbers, Pembroke's 3,000 residents are among the poorest in the region, but the problem may be worse. The mayor believes as many as 2,000 people were uncounted, living far off the paths that census workers trod.

The staples that make up the town square are gone: No post office, no supermarket, no pharmacy, no barber shop or gas station. School doors are shuttered. The police officers were all laid off, a meat processing plant closed. In many places, light switches don't work, and water faucets run dry. Residents let their garbage smolder on their lawn because there's no truck to take it away; many homes are burned out.

Ken Bargy, 58, had to stop working five years ago because of his health and is now on disability. His wife drives a school bus in a neighboring town. He sends his children, 15 and 10, to school 20 miles away. In the back of the trailer, he offers shelter to his elderly mother, who is bedridden and dying of cancer.

The $18,000 the family pieces together from disability payments and paychecks must go to many things: food, lights, water, medical bills. There are choices to make.

"With the cost of everything going up, I have to skip a light bill to get food or skip a phone bill to get food," he says. "My checking account is about 20 bucks in the hole."

About 75 miles away, in the Chicago suburb of Hoffman Estates, dozens of families lined up patiently outside the Willow Creek Care Center as truckloads of food for the poor were unloaded.

Among those waiting was Kris Fallon of nearby Palatine, mother of a teen and an infant, who hitched a ride with a friend.

She recounted how she and her husband ? once earning nearly $100,000 a year between the two of them_ lost their jobs, forcing them to move from their rented home into an apartment and give up their car.

"We fight a lot because of the situation," she said. "We wonder where we are going to come up with money to pay rent, where we are going to get food, formula for the baby."

She began to cry.

"I never understood why there were so many food pantries and why people couldn't just get on their feet and get going, but now that I'm in it, I fully understand," she said. "I sometimes feel like I am a loser ... I have never been unemployed and I never thought I would be going through this, ever."

Her husband, Jim, 43, said he's looked for jobs all over the country in the past two years, and just accepted an offer of a three-month stint in Paducah, Ky., on a hotel reconstruction project.

"Leaving for a job out of state for three months is what I have to do," he said. "It's terrible but it's our reality ... I guess this is the new America."

By Robert Ray

___

SHARING POVERTY WITH A FORMER SPOUSE

Bill Ricker's woes date back to the 1980s, when he injured himself falling through rotten floorboards while doing carpentry at an inn. He hasn't worked since.

He now lives in one end of a cluttered old trailer in Hartford, Maine, 60 miles north of Portland.

It wasn't supposed to be this way. Ricker has two college degrees. As a younger man he worked as an electronics repairman, a pastor and a TV cameraman. He and his first wife had seven children.

Now he receives food stamps, gets donations from a local food pantry and drives an 18-year-old car with 198,000 miles.

For a treat, he goes out to lunch at a cafe in a nearby town ? about once every two months.

"I don't drink, I don't smoke, I don't chew and I don't go with girls that do," Ricker said. "In other words, on that income you don't do very much outside the home."

After finishing high school in 1956, Ricker earned an associate degree in electronics engineering and went to work selling and repairing marine electronics.

He later earned a theology degree and served as a pastor at churches in New Hampshire and Vermont. But times were hard on a pastor's salary, so he returned to Maine, eventually becoming a cameraman and studio engineer for a TV station.

After being laid off in the 1980s, he was hired to do some carpentry for an inn. His first day on the job, the floorboards gave way.

With his injuries, he could no longer tend to the three-unit apartment house he and his wife owned. They sold it, bought a used trailer for $7,000 and settled on a lot in Hartford, a town of about 1,000 people.

Ricker and his second wife, Judith Odyssey, divorced around 1995 and she moved out. But he offered to let her move back in nine years ago when she was going through a rough time, and she now lives in the other end of the trailer. She gets $674 a month in Social Security.

Besides his back and shoulder injuries, Ricker has diabetes, eye and breathing problems, and his hands shake. Odyssey has congestive heart problems, asthma and arthritis.

It's hard to make ends meet. Rent for the lot is $150 a month; Ricker has to buy insurance and gas for his minivan and pay bills for electricity and a phone.

He shops at a discount grocery store, gets canned goods from a food pantry, scours garage sales for clothes.

It cost $3,200 last winter to heat the poorly insulated trailer with kerosene, which was partially offset with about $1,000 in heating assistance funds.

Inside the trailer, ceiling tiles are coming loose and electrical wires dangle in the bathroom where a light fixture once hung. An old dryer, a mattress, a snow blower, discarded chairs and other junk are strewn about outside.

Still, Ricker keeps his sense of humor.

"I'm sorry I make jokes at everything," Ricker said. "But it's the only way to keep going."

By Clarke Canfield

___

BROKE ? AND FACING THE UNEXPECTED

Until a few months ago, Brandi Wells lived paycheck to paycheck. She was poor, but she got by. Now, the 22-year-old lives "penny to penny."

Wells started working as a waitress at 17 and continued when she got pregnant last year. She worked until the day she delivered 10-month-old son Logan, she says, and came back a week later. But finding child care was a challenge, and about three months ago, after one too many missed shifts, she was fired.

In no time, she was homeless. The subsidized apartment in Kingwood, W.Va., that had cost her only $36 a month came with a catch: She had to have a job. Without one ? and with no way to pay her utilities ? she was evicted.

Logan went to live with his grandmother in another town while Wells stayed with a friend for three weeks in a filthy house with no running water.

"I didn't realize that it could go so bad so fast," she says now. "I was working. I was trying. I felt like I was doing everything I could. But everyone was saying I needed to do more.

"They say, `It's your fault. You don't need to live off the government,'" Wells says. "For some people, yes, it is their fault. ... I didn't deserve to lose my job. I worked as hard as I could."

Wells filed for assistance from the state human resource department and got three free nights at a low-budget motel and $50 for gas to hunt for a new job. It didn't last long.

"The way it is now, you can't hardly find a job," she says. "I've applied here, there, everywhere."

Eventually, Wells and her fiance, Thomas McDaniel, found a two-bedroom apartment. After a few weeks, its walls and floors remain bare. The only furniture is in the living room ? an old green sofa, a foam twin mattress, a play pen stuffed with toys.

Rent is $400 a month, and Wells is hoping that since McDaniel has just landed a job at Subway, they'll be able to afford it.

For now, her income consists of the $300 a month the state pays her to attend a daily self-sufficiency class, the $30 or so she earns at a bar once or twice a week, food stamps, and the $96 a month in child support she gets from Logan's father ? "barely enough for diapers and wipes."

She gets help from the Raymond Wolfe Center, where she can pick up a week's worth of food once a month. And she's grateful for her class, which is teaching her how to manage her money and distinguish wants from needs.

She knew the difference before, she says. As a new mom, she just didn't care.

"I was in the stage where I wanted to give Logan everything ... and I couldn't afford it," she says. "And it caused me to be broke."

Wells says she's motivated to get back on track: "I want to get out of these low-income apartments. I want an actual house for my son. I want a car that's not on the verge of breaking down."

She's hoping her typing skills will lead to a secretarial job. Long term, she wants to go to college and eventually work as a mortician.

"It's a job you can't lose, she says with a grin. "They don't run out of business, generally."

But as if the odds weren't already stacked against her, Wells has two more challenges.

She needs to answer for speeding tickets she couldn't afford to pay. That resulted in a suspended license, further limiting her ability to look for work.

And, unexpectedly, she's pregnant.

"I've never been into the idea of abortion ...," she says, her voice trailing off. "Me and my fiance are talking about it. I don't know what we're going to do."

By Vicki Smith

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A GROWING BOY HAS TO EAT, BUT HOW?

Wearing a navy blue pea coat, her eyelids dusted with shimmery shadow, Pamela Gray looked as though she was headed into work. Instead, she was standing in line at a Manhattan food pantry, where hundreds of people waited patiently to fill suitcases with groceries or meet with a social worker.

Going on a year without a job, Gray likes to rise early and ride the subway down from the Bronx to visit the West Side Campaign Against Hunger, New York's largest food pantry, which is tucked inside a church basement.

"When I was working as a home attendant, I had a check every week. So you know, the food thing wasn't a problem," said Gray, a single mother of three teens who was injured while caring for an elderly woman last year and had to quit her job. "But when you don't work like you used to every day ? you don't know that you have the money ? you have to go pick up food where you can."

Gray, 47, was meeting with the center's social workers about paying off $12,000 in student loans from Bronx Community College, where she earned a bachelor's degree. Her only source of income for now is occasional money from selling Mary Kay makeup and a couple of paychecks a year when she pulls shifts as an elections worker.

It's been hard on her 14-year-old son, who is growing fast and likes to eat. A lot.

"He likes Chinese food, chicken with broccoli, and then he likes his pizza," she said, laughing. "Yesterday I give him his $3.50 for lunch and tell him next week, you know, see what happens."

Gray made a follow-up appointment with a counselor ? promising to bring the necessary paperwork next time ? and then headed back onto the street. She walked to another church a few blocks away, where a woman was handing out free coffee and sandwiches.

She put the sandwich in her purse and settled down on the church steps to enjoy her coffee before heading to a public library. That's where she spends most of her time ? using the computer, applying for jobs, devouring books.

"I'm reading this one, they talking about sentencing in prison," she said, tapping the cover. "I really like to read on child issues and stuff. But if they don't have it, I get another book."

And she waits for that long-awaited job offer to come through. She is optimistic about the latest one: a position working with children at a juvenile home. After all, she says, she has a certificate in child care from New York University.

"I think I'm gonna get it," she said, a smile spreading across her face. "I've been trying. I don't give up. I keep trying."

By Meghan Barr

___(equals)

`THEY DIDN'T HAVE TO SLEEP ON THE FLOOR'

The walls in Monique Brown's public-housing apartment have only a few decorations, sheets cover the windows and the cupboards are mostly empty. But it's a big step up nonetheless.

Until a few weeks ago, the 30-year-old single mom and her four children, ages 2 to 9, were homeless and staying in a Salvation Army shelter in downtown Birmingham, Ala.

Brown was married, living in Florida and working two jobs ? one in a hotel laundry, the other at a retail store ? when the recession hit. Today, those seem like the good old days.

"I never really had to worry about food and the basic necessities because I knew there was always a paycheck coming in a week," she said.

Brown lost both jobs in 2008 and split with her husband, forcing a move to Alabama to live with her brother and his family. An arrangement that was supposed to last for a couple months stretched to a year because Brown wasn't able to find work, and the strain was soon showing on her brother's household. Fearful for his marriage, Brown and her children took refuge in the shelter.

"It was the best option for us because they could have their own beds, they didn't have to sleep on the floor," she said. "I didn't want them to get the full effect of being homeless."

While her three boys went to elementary school, Brown cared for her 2-year-old daughter and sought work. She wasn't picky, but nothing turned up.

Still jobless, Brown found out about a public housing unit last month in the Birmingham suburb or Fairfield. With the Salvation Army paying her deposits and purchasing furniture and some appliances for her, Brown was able to swing a place of her own using $573 a month in disability payments for one of her sons, food stamps and donations.

Brown has been able to save about $100 and she's still looking for work. But finding a job is difficult because she has to balance potential work schedules against her children's schedules and the high cost of day care.

"Right now I'm just taking small steps," she said.

By Jay Reeves

___

THERE BUT FOR THE GRACE OF GOD ...

Nearly two years ago, on the day after a vacation, Tim Cordova was laid off from his job as a manager at a McDonald's. At the time, he and his wife, Sandra, an employee at a Subway restaurant, lived in a two-story house in the Albuquerque suburb of Ventana Ranch.

As the economy worsened in New Mexico, one of the nation's poorest states, Cordova struggled to find work and his wife's hours were slashed until she, too, was laid off.

They moved to a smaller house, then to a small apartment. By this June, unemployment benefits had run out and they resorted to living out of their Ford Focus.

"I was searching for jobs while I was collecting unemployment, and I could not get hired at all," said Cordova, 41, who is now living with his wife at an emergency homeless shelter called Joy Junction.

Sandra Cordova said her job search also has been fruitless.

Jeremy Reynalds, founder and CEO of Joy Junction, said he's never seen such high levels of homelessness and poverty in his 25 years of running the shelter, now New Mexico's largest.

"Demand is going higher, and higher, and higher," he said. "I mean, it really is scary."

Just a few years ago, the shelter was averaging around 100 residents a night. Now, Reynolds says, it's regularly filled with 300 every evening, and people are turned away every day.

The Cordovas said they see their situation as a "test from God" and are taking advantage of Joy Junction's life-skills programs. Sandra Cordova is taking computer classes and Tim is helping with shelter security. Both said they are not ashamed of their situation; they've even invited their grandchildren to visit the shelter.

"I just want another house. I just want another job," said Tim. "I want to prove that I can do it the right way."

Reynalds said donations to the shelter are down, but more people are helping out in person.

"More people are opting to volunteer," said Reynalds, "because I think they know that are a paycheck or two away from being homeless themselves."

By Russell Contreras

Source: http://us.rd.yahoo.com/dailynews/rss/topstories/*http%3A//news.yahoo.com/s/ap/20110918/ap_on_re_us/us_faces_of_poverty

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