fMRIs show that dyslexia isn't a matter of IQ

ScienceDaily (Sep. 28, 2011) ? About 5 to 10 percent of American children are diagnosed as dyslexic. Historically, the label has been assigned to kids who are bright, even verbally articulate, but who struggle with reading -- in short, whose high IQs mismatch their low reading scores. When children are not as bright, however, their reading troubles have been chalked up to their general intellectual limitations.

Now a new brain-imaging study challenges this understanding of dyslexia. "We found that children who are poor readers have the same brain difficulty in processing the sounds of language whether they have a high or low IQ," says Massachusetts Institute of Technology neuroscientist John D. E. Gabrieli, who worked on the study with Fumiko Hoeft, Hiroko Tanaka, Jessica M. Black, Leanne M. Stanley, Shelli R. Kesler, and Allan L. Reiss of the Stanford University School of Medicine; Charles Hulme at York University in the UK; and Susan Whitfield-Gabrieli, also at MIT. "Reading difficulty is independent of other cognitive abilities."

The findings, which will be published in an upcoming issue of Psychological Science, a journal published by the Association for Psychological Science, could change the ways educators help all poor readers.

The study involved 131 children, about 7 to 17 years old. According to a simple reading test and an IQ measure, each child was assigned to one of three groups -- typical readers with typical IQs; poor readers with typical IQs; and poor readers with low IQs. All were shown word pairs and asked whether they rhymed. Spellings didn't indicate sound similarities. Using functional magnetic resonance imaging, or fMRI, the researchers observed the activity in six brain regions important in connecting print and sound.

The results: Poor readers in both IQ groups showed significantly less brain activity in the observed areas than typical readers. But there was no difference in the brains of the poor readers, regardless of their IQs. "These findings suggest the specific reading problem is the same whether or not you have strong cognitive abilities across the board," says Gabrieli.

The study could have an important impact on both the diagnosis and education of poor readers. The revised definition of dyslexia proposed for the upcoming Diagnostic and Statistical Manual (DSM-V), psychiatry's diagnostic bible, "currently lacks neurobiological evidence for the removal of 'severe discrepancy' [between IQ and reading ability]," says Stanford's Fumiko Hoeft. "Our study will be the first to provide such evidence."

Meanwhile, educators commonly offer reading- and language-focused interventions to bright dyslexics, to bring their reading up to the level of their expected achievement. But they may consider such specific remediation futile for less-"smart" children. If teachers understand that the same thing is going on in the brains of all poor readers, they may see that all those children could benefit from the same interventions. Since it's hard to learn much if you can't read, that's good news for a lot of kids.

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The above story is reprinted (with editorial adaptations by ScienceDaily staff) from materials provided by Association for Psychological Science.

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Journal Reference:

1. John D. E. Gabrieli, Fumiko Hoeft, Hiroko Tanaka, Jessica M. Black, Leanne M. Stanley, Shelli R. Kesler, Allan L. Reiss, Charles Hulme and Susan Whitfield-Gabrieli. The Brain Basis of the Phonological Deficit in Dyslexia is Independent of IQ. Psychological Science, 2011

Note: If no author is given, the source is cited instead.

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://www.sciencedaily.com/releases/2011/09/110928142457.htm

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Plus Size Casual Dresses ? The Present | Trendy Plus Size Fashion

With the growing population of our earth, the average size of the dresses is also growing at a fast rate. Today in US, the average weight of a person is at least fifteen 15 pounds more than what it was a century ago. This is also the case in almost other countries as well including Europe, Australia, and India etc. That is why in market, now you will always find plus size clothes of all kinds.

Today the plus size industry has become a large business both for men and women, particularly due to the fact that there is a large number of variety available as compared to the small sizes. Earlier all the women who required large size clothes had to compromise with weird bulky dresses and odd t-shirts. But now the scene has entirely changed. There are plus size dresses of all kinds and most common of them are the Plus Size Casual Dresses. Due to the rapid development in the fashion industry, the market now offers this size in various kinds like the dresses, skirts, blouses, pants, lingerie etc. These dresses can be worn anytime and anywhere. The plus size casual dresses are designed that way.

An average women shopper has now a variety of casual dresses before from which she can choose. Apart from the size, there is a large variety of the color as well. You can choose from anything you prefer or get it ordered as per your requirements.

There are more than 100 brands of plus size clothing for women in US alone. Other countries too compete well in the variation of the plus size clothing market. It?s been a thing of past now that the women who are chubby and plumb had to stay uncomfortable all the time in tight clothes. These plus size casual dresses are perfect for almost any occasion and give a comfortable touch to your gentle body.

There are a variety of dresses available in the market out of which the Bubble Plus Size Dress is my favorite one. It comes with a sleek design having a surplice neckline. It has an empire waist that forms into a beautiful drape having a trendy bubble hem. It is made of 93% Polyester and 7% Spandex. It comes in three colors that is Black, Jade and Pick with almost 6 types of further sizes. You can buy it at a decent price and see for yourself the magic of plus size casual dresses.

These dresses have been designed keeping in mind primarily your body shape and requirements. Make sure you do your measurements carefully before ordering a dress so that the dress fits your curves perfectly. After that all you need is to be confident and happy about your figure. A great casual dress that fits your body can allow you to happily go on those Sunday afternoons at the beach or simply it will help you in spending an evening with your old friends. Research, look about and order the dresses made for you!

By: Stacy Montgomery

Source: http://www.shjinnuohua.com/womens-interests/plus-size-casual-dresses-the-present

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Effortless Internet site Upkeep with Website Hosting | Business World

The net has observed the expansion of business markets with a degree. The achieve and expanse of the online market place will be the premiere factors behind ever rising amount of companies turning to the online world. But this implies a good by using sources, engineering and enterprise strategy to get top ratings online. One of several key elements in this development is the application of web hosting providers. It has developed into an essential property for on-line enterprises and has an important role in their accomplishment. Many organisations are checking out cheap website hosting services to improve their capability to reach out to the market and offer successful support on the internet.

Sites be determined by many elements for his or her clean operating. Such as data transfer, safe-keeping of data and data. They depend on the use of computers and web hosting services just for this process. Using these web hosting services enables webmasters to focus on discount companies even though depending on the net hosting to provide the best commercial infrastructure for the web sites. Deficiency of these services can result in an underperforming web area and affect the on the web revenue in the web site to an incredible extent. Increasing levels of competition has additionally made this program an important add-on for the internet business create.

One of several important advantages of while using web hosting service is their capability to increase the web site up-time. This provides simpler packing with the websites on to the customersPer centu2019 internet browsers. The filling period of the website is also crucial for the search engine rankings. The higher the web site rates on the research checklist, the better is its potential for keeping industry visibility. The proper web hosting services provides the company while using alternative of enhanced loading speed and effective data transfer useage making it easier for your consumer. This adds to the standing and interest in the site on the online domain.

There are many options available within reach of site owners trying to reap the benefits of these facilities. Selecting choosing involving compensated hosting and free of charge web hosting solutions in addition has made it simpler for web owners. Most owners prefer picking trustworthy and structurally steady but low cost website hosting because of their internet business needs. The equipment, providers and maintenance functions offered by the hosting services are also powerful for the performing from the web business. There are several hosting services supplying the advantage of 24 hour routine maintenance amenities which will help making sure the easy performing from the internet site always.

The net web hosting service program is becoming a fundamental portion of the internet business framework. Any website enterprise aiming to make their presence sensed out there requirements the expertise of these facilities. However, it?s important that owners commit a lot of time when choosing the support which offers them the utmost advantages at most efficient price ranges. There are numerous companies prevalent online that will make simpler this selection for webmasters. It is important for business people to decide on the very best web hosting plan to stay ahead of the competition.

Source: http://www.anapankratoff.com/effortless-internet-site-upkeep-with-website-hosting.html/

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Online Dating Tips

September 29th, 2011 by admin

Online dating is one of the fastest ways to meet a number of people in such a short time. It is important that you make a great profile to make people notice and get interested in you. This clip have simple tips to remember to make online dating fun and interesting.

Source: http://www.voteecc.com/relationships/online-dating-tips-2/

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Bali Travel Insurance - asian tourist

Smartraveller.gov.au gives some examples of costs: hospitalisation in South East Asia can exceed $800 per day; return of remains from europe can cost $10,000; medical evacuations from the USA can cost up to $300,000 and from nearby Bali has exceeded $60,000.

Those numbers should hurt because if you had to pay them without holiday insurance you may end up financially crippled. Luckily it is fairly easy to take out a good insurance plan that covers your overseas medical expenses. In Australia it is mandatory for travel insurance companies to provide you with a Product Disclosure Statement (PDS) prior to purchase. If you are suffering a pre-existing medical condition then make sure you are still eligible.

Since all the major Australian travel insurance companies operate online sales it is very easy to compare the cover. Some of the main companies are: 1 Cover, AAMI, Allianz, Columbus Direct, Insure4Less, iTrek, Travel Insurance Direct and World Nomads. Other useful cover is for lost or stolen luggage, cancellation, delays, cash, credit cards, liability, and dental.

Jackson Taylor works as a consultant for Travel Insurance Reviews. Jackson has travelled the world extensively and enjoying sharing hints and tips about all the things he has learnt while travelling. One of his latest reviews is for an Australian Travel Insurance company called TID Insurance Review.

more info : Bali Holiday,? Bali Indonesia,? Bali Hotel, asian informations, asian information, asiafun.info

Related posts:

1. Bali Travel Insurance

Source: http://asiantour.info/asian-tourist/bali-travel-insurance-2

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Amazon pushes Barnes & Noble's back to the wall (Reuters)

NEW YORK (Reuters) ? Amazon.com Inc's aggressive pricing on its Kindle devices leaves Barnes & Noble Inc little choice but to match the online retailer and update its own devices, even if that means more damage to the bookstore chain's bottom line.

Amazon introduced its long expected Kindle Fire tablet on Wednesday, as well as a touchscreen device and a cheaper version of its basic Kindle e-reader.

Those items are less expensive than their counterparts in Barnes & Noble's series of Nook devices and have the added benefit of giving consumers access to Amazon's cloud computing and entertainment services.

Barnes & Noble shares closed down 6.8 percent after falling as much as 13.3 percent earlier.

"It hurts them a lot more than it does Apple because they're so reliant on the Nook," said Michael Souers, an analyst with S&P Equity Research, forecasting lower Nook prices. "They need to maintain market share, which means their profitability is going to decline."

Barnes & Noble, which is facing an industry-wide decline in book sales, has gotten some relief from its Nook, launched in 2009 about two years after the first Kindle came on the market.

Last month, Barnes & Noble forecast sales of its Nook devices and e-books would double this year and reach $1.8 billion, or nearly a quarter of its revenue, even as its same-store sales stagnate.

Forrester Research estimates Barnes & Noble has a fifth of the e-book and e-reader market, compared with Amazon's 60 percent.

Barnes & Noble, which forecast a loss for the current fiscal year, suspended its dividend in February to hoard more money to invest in Nook.

It has so far proven a feisty challenger. It got the Nook Color to market a year before Amazon's Fire and a touchscreen version was introduced in May.

The Kindle Fire costs $199, compared with the Nook Color's $249. Amazon also lowered the price on its basic Kindle to $79, including ads. That compares with $139 for the basic Nook.

With the holidays nearing, the pressure is on. The bookseller must also contend with Amazon's ability to bundle its Kindles with other services, such as its cloud music storage and movie streaming, McQuivey said.

"It just means that Barnes & Noble has no time to really rest because on every single product front they have to respond," said Forrester Research analyst James McQuivey. "Barnes & Noble cannot offer all this media experience."

But Janney Capital Markets analyst David Strasser said he expected "a major product refresh" given that Nook Color is a year old now.

"They're going to need faster hardware for sure. The Nook is a reasonably good performing device, but it's certainly not something you'd call quick," Tim Stevens, editor in chief of technology blog Endgadget, told Reuters at the Amazon launch in New York. "And there is no access to a broad Android market like there is here."

Others say the game may still be too early to call.

"We are in the fairly early innings of the e-reader and digital transformation," said Morningtar's Peter Wahlstrom.

(Reporting by Phil Wahba in New York; additional reporting by Dhanya Skariachan)

Source: http://us.rd.yahoo.com/dailynews/rss/personaltech/*http%3A//news.yahoo.com/s/nm/20110928/bs_nm/us_barnesandnoble_amazon

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Tennessee Homes: For Quality ... - South Jersey Real Estate Agent

City like Franklin is lovely and attractive in the state of Tennessee. In the state of Tennessee, the city of Franklin is making its way in producing good sales in the real estate industry. Being credited as tourist attraction and for business investors is a good indication.People are fascinated in this place and captures their heart when they visit this remarkable place. Place surrounded by unique architectures, scenic landscapes and green hills is the city of franklin. This perfect place might be good for you because it has countless recreational destination and magnificent scenic.

Retirees, families and every individual considered Franklin as an ideal place to live and it has a lively community. Other reason that some people considered Franklin as an ideal place to relocate because it is recorded that Franklin is one of the best places to see and experience in USA and Canada. Your family will definitely enjoy the recreational opportunities if you are planning on moving or relocating to Franklin. Many who are moving to Franklin want to buy prosperities near the popular recreational spots like Boiler Room Theatre and Maggie?s Bark Park.

Relocating to Franklin has limitless reasons. The heart of every person captivates by the unquestionable beauty and charm of the place. The unique blend of hospitality and amenities is perfectly combined to rural and city life style. Popular in the area are events and Historical landmarks. One of the awaited events in Franklin is the Franklin?s Main Street Festival wherein residents and visitors can enjoy watching.

Quality Education is also one of the few reasons why people want to relocate in Franklin. You will understand why people want to relocate in franklin because they realize and understand how important education is to our society. It is very important for your children to gain proper education.Proper knowledge is what you need to equip your children to face the world. The key why parents send their children to school which has quality education is because they know the importance of quality education. To take advantage of High-Quality Education many are moving to the city of Franklin.

I might miss or have not mentioned some of the important aspects why people are moving to Franklin but if you need any assistance Tennessee Homes is open for you. If you are planning to relocate to Franklin, Tennessee Homes for sale and Homes for Sale in TN are willing to give you assistant or information in every city in the state of Tennessee.

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Posted under Need help buying or renting?

Source: http://southjerseyrealestateagent.com/?p=7317

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Revolabs FLX(TM) Wireless Conference Phone Now Available in ...

Revolabs FLX(TM) Brings Superior Sound Quality and Innovative Design for Small- to Midsized Conference Rooms, Executive Offices, and SoHo Environments

SUDBURY, Mass. ? Sept. 26, 2011 ? Revolabs Inc. today announced that its Revolabs FLX(TM) wireless conference phone is now available to the European, Hong Kong, and Australian markets. Designed specifically for small- to midsized conference rooms, executive offices, and small office/home office (SoHo) environments, FLX is based on Revolabs? wireless audio technology that for years has delivered superior sound quality for audio and video conferencing to large conference rooms and boardrooms. With FLX, Revolabs brings this exceptional performance to smaller settings at a competitive price point.

?The FLX has already made a huge impact in the North American market, and we are pleased that we can now offer this evolutionary leap in conferencing speakerphones to our customers in Europe, Hong Kong, and Australia,? said JP Carney, Revolabs chief operating officer. ?For companies seeking to enhance their unified communications and collaboration strategy, FLX brings exceptional audio performance and flexibility to small- and midsized conference rooms, all at an affordable price.?

Combining wireless operation, high-quality wideband audio, 128-bit encryption, integrated Bluetooth(R), support for analog and IP, and a sub-$1,000 price point, the FLX redefines the conference speakerphone. Unlike the single-component design of previous solutions, Revolabs FLX evolves the conference phone into several distinct components, giving users unprecedented freedom with respect to placement and accessibility of the speaker, microphones, and dial pad.

Available with a variety of compatible Revolabs microphones, the FLX supports a lapel microphone, worn by one person; an omnidirectional tabletop microphone that captures the sound of six to 10 participants; and a directional tabletop microphone that enables audio capture from two to three people. Because the FLX dialer operates like a telephone for handset calls and enables the setup of conference calls, there is no need for a separate desk and conference phone.

The Revolabs FLX can also serve as the audio interface with virtually any major brand of video conferencing equipment, making it the ideal unified communication technology for the small- to medium-sized conference room. The amount of audio equipment in a conference room is reduced, minimizing cost and management overhead. FLX?s integrated Bluetooth technology provides a single collaboration device no matter which communication channel is used, allowing users to connect the speaker and microphones to their Bluetooth-enabled mobile phone or computer.

The Revolabs FLX is available at an MSRP of $999 and sold through major distributors, dealers, and resellers.

# # #

About Revolabs Revolabs Inc. is the premier provider of wireless audio solutions for unified communications, enterprise collaboration, and professional audio applications across a wide range of markets. Offering unmatched audio quality that allows users to ?hear every word,? the company?s wireless conferencing and microphone systems are utilized across the globe for a variety of applications, from webcasts and video conferencing to podcasts and broadcasting. Combining the ultimate in flexibility with sleek, stylish form factors, Revolabs solutions cut the cord, facilitating natural mobility by allowing participants to move about a workspace and still be heard, without being held back by wires. Leading the way in innovation, the company continues to add to its portfolio of value-added audio systems with products such as the new Revolabs FLX(TM) wireless conference phone, which provides superior performance for video and audio conference calls, public address systems, and more. Revolabs systems are secure (encrypted), rechargeable (environmentally friendly), and GSM-impervious. The company is headquartered in Sudbury, Mass., and can be reached at +1-800-326-1088 or www.revolabs.com.

Source: http://blog.svconline.com/briefingroom/2011/09/27/revolabs-flxtm-wireless-conference-phone-now-available-in-europe-hong-kong-and-australia/

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Hand Care: Vitanica Lactationblend, Nursing Support, 60 Capsules ...

Vitanica Lactationblend, Nursing Support, 60 Capsules

List Price: $21.20

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• Vitanica lactation blend 60 capsules
• Country of origin usa
• Nursing support

List Price: $21.20

Your Price: $12.56-

This formulation takes advantage of the centuries of experience with traditional herbs as well as modern clinical research to naturally support and maintain nursing functions.

Your Price: $12.56 ?

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Source: http://optiononeinfoseeker.com/2011/09/27/hand-care-vitanica-lactationblend-nursing-support-60-capsules/

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What About The Fishing Holidays In Cornwall For A Family Group ...

Posted: September 28, 2011 at 6:32 am | Tags: Cornwall Fishing Breaks, Cornwall Fishing Holidays, Fishing Breaks in Cornwall, Fishing Holidays in Cornwall

Log Cabin Short Breaks

When you want to enjoy time away the UK Fishing Holidays are a great way to take part in your much-loved pastime. Lakes for coarse fishing are often located on log cabin parks having a selection of types of holiday accommodation. There are static caravans, lodges, log cabins and apartment rentals within a converted barn.

The accommodation is incredibly comfortable and can sleep in between two and 8-10 people. You won?t be short of home luxuries if you choose the holiday log cabins and they?ve all you may need. You?ll find bathrooms and showers, some having en-suite, central heating and double-glazing.

You will find the log cabins are perfect for the length of the day fishing season because they are open throughout the year. Determined by what you enjoy from your fishing holiday you have a selection of fishing such as the coast, see and canals. The sorts of fish being caught are Roach, Rudd, Bream and Salmon.

You can savor sitting back and unwinding as you fish within these beautiful places. The lakes are set in beautiful surroundings and there is rich woodland, private valleys, and also beautiful countryside. The Cornwall Fishing Holidays are a fantastic option to simply chillout and also let the entire world pass you by and have a totally stress-free time.

The log cabin retreats have excellent amenities and there are bait and tackle stores and an instructor is available to provide instruction, if required. For anyone who is coming away with your family then there are frequently extra facilities also, and these range from some wonderful fun-based activities for kids and family members. If you are not fishing all the time you then may like to explore, and often there are many great places to enjoy a little while away from the fishing lakes.

All the holiday accommodation is self catered and as well as a totally equipped kitchen area, some have Bar-b-que features for a spot of alfresco cusine. Should you choose to have a break from the fishing, Cornwall is an excellent spot to explore. There are lots of sites to see as well as numerous activities to participate in.

There?s excellent walking and also cycling in this region and down the coast and in addition away from the coast there are kilometers of pathways and paths. You may want to take a look at some of the outstanding hiking paths and trails, or you might want to jump on your bike. Or, you could simply head off to the beach and revel in a day chilling out on the sandy beaches and viewing the surf crashing down.

A different choice are the Devon Fishing Holidays these are not just for the anglers, but in addition for everyone. Make use of the park as a base, not only to participate in your pastime, but additionally to look around the spectacular Cornish landscape. Book for a quick escape or perhaps stay for a longer time period and tailor make this vacation to fit your needs and.

Make the most of the gorgeous surroundings and revel in a lovely holiday in the Cornwall country side. When it is time for you to go back home you will be rejuvenated as well as your batteries is going to be charged up again.

Source: http://recreationandsports.therefinedgeek.com.au/index.php/2011/09/what-about-the-fishing-holidays-in-cornwall-for-a-family-group-retreat/

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Mini-review - Cosmic Jumper by Magiko Gaming | wpcentral ...

Posted on Wed, 28 Sep 2011 6:57 am EDT by Daniel Rubino
Filed Under: games 1

I don't often give reviews for games, that's Paul and George's thing, but when I do it's because I really dig it. That's the situation here for Cosmic Jumper by Magiko Gaming (Platformance Castle Pain, Temple Death) which is just a lot of arcade fun.

The game is a platform jumper, of which we have plenty in the Marketplace. But this plays different--more like an arcade game from the 1990's. It has great controls, spiffy graphics and probably the best music you'll ever hear for a game. Going further, the re-playability is quite high and there's even an Xbox 360 Arcade version (under the different title 'Who is God').

Watch the video, try the game. If you like it, it'll set you back a measely $0.99. Get it here in the Marketplace.

Source: http://www.wpcentral.com/mini-review-cosmic-jumper-magiko-gaming

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Top 101 Best Places to Live in the ... - Free DIY Home Improvement

Here is a thoroughly studied and researched list of top 101 best places to live in the United States. This list of top 10 best places to live in the United States of America is selected based on real estate demands, facilities, civil amenities, job opportunities and living conditions.

1. Plymouth, MN: Plymouth is the seventh largest city in the U.S. state of Minnesota. Plymouth has everything that you may be looking for ? High per capita income, excellent schools, employment opportunities, medical facilities and all other luxuries and necessitates of life. Plymouth is not only the best place to live in the United States but is also the best place to live in the entire world. Read more on Plymouth, MN.

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2. Charlotte, NC: The beautiful queen city Charlotte was named in honor of the German Princess Charlotte of Mecklenburg. Charlotte is the largest city in the state of North Carolina and is the 18th largest city in the United States. Charlotte is an icon for grown and development and is the second largest financial center in the US. Charlotte, North Carolina has lots to explore wonderful and unforgettable attributes. Charlotte has got everything ? Events, Attractions, Entertainment & Nightlife, Dining, Shopping, Accommodations and mush more. Learn more about Charlotte, NC.

3. Fort Collins, CO:?Fort Collins is a large college town, home to Colorado State University. There are elegant homes, commercial buildings, industries including stone quarrying, sugar beet farming, slaughter of sheep etc. You will fall in love with the greenery and adventures of Fort Collins. Read more on Fort Collins, CO.

Best Places to Live in USA

4. Fishers, IN: Fishers is a town located in Fall Creek and Delaware townships, Hamilton County, Indiana, United States. Fishers has developed rapidly in recent years. Fishers fast development is attracting more and more residents mainly the young. Most of the residents here are well educated. Strong developing economy, new companies and job opportunities, excelling living facilities and low home process are some of the reasons why Fishers is one of the best places in the US to live in. Read more on Fishers, IN.

5. Naperville, IL: Naperville is a city in the Chicago metropolitan area of Illinois in the United States. Once a quaint farming town, Naperville has evolved into a wealthy city because of massive migration of professionals in the 1990s seeking jobs and globally renowned public schools.

Naperville consistently ranks as a top community in the nation to live, raise children and retire. Naperville has witnessed enormous growth of high-tech companies such as Tellabs, Alcatel-Lucent and the BP North American Chemical.

This best city of the US to live in is home to globally acclaimed schools, best public libraries, excellent medical and healthcare facilities and an exceptionally low crime rate. Naperville, IL attracts thousands of new residents each year due to its excellent transportation, housing and employment options, high technology firms, retailers and factories, small and home-based businesses, world-class parks, diverse worship options and an active civic community. Read more on Naperville, IL, United States

6. Chattanooga, TN: The science city of Chattanooga, TN is the fourth-largest city in Tennessee. The city lies at the transition between the ridge-and-valley portion of the Appalachian Mountains and the Cumberland Plateau, is surrounded by mountains and ridges. Chattanooga has outstanding accommodations, eclectic shops, unique dining and a variety of world class attractions. You will fall in love with the natural beauty and breathtaking mountain vistas of Chattanooga, TN, US. Read More on Chattanooga, TN.

7. Irvine, CA: Irvine is an incorporated well planned city in Orange County, California, United States. Universities, colleges, good schools, jobs and housing, technology companies make Irvine?one of the best places to live in the United States. Irvine is one of the largest planned urban communities in the United States. Read more about Irvine, CA.

8. Seattle, WA: The Emerald City of Seattle is the most populous city in the U.S. state of Washington of the Northwestern United States surrounded by lakes, rivers, Puget Sound, and mountains.

Seattle is home to companies like Microsoft, Nordstrom and Starbucks. Seattle is also known as the birthplace of the crazes for grunge rock and espresso coffee. With residents like the software giant Bill Gates, Seattle has to be one of the best places to live in the United states. There are General Attractions, Museums and Galleries, Sports, Parks and Gardens, Colleges and Universities. Learn more about Seattle, WA.

9. Franklin Township, NJ: Franklin Township Municipality is home to several villages including ? Gloucester County, Hunterdon County, Somerset County, Warren County.

There are a number of high-tech, pharmaceutical and research and development firms in the area and finding a job is not too hard here. Education level is high but housing is a relatively high. Read more on Franklin Township.

10. Huntsville, AL: Huntsville, Alabama USA is one of the most recognized cities in Madison and Limestone Counties in the U.S. Huntsville is known for its business and quality of life.

Technology, space, and defense industries have a major presence in Huntsville, AL with the Army?s Redstone Arsenal, NASA?s Marshall Space Flight Center, and Cummings Research Park.

Huntsville, AL is home to several Fortune 500 companies and also offers a broad base of manufacturing, retail and service industries. Here you get variety of educational, recreational, and cultural opportunities. Huntsville successfully combines the rich heritage of Southern hospitality with innovative high-tech ventures and cultural diversity. Learn more about Huntsville, AL.

11. Norman, OK: Norman city is the largest in and the county seat of Cleveland County in the U.S. state of Oklahoma. It is the business and employment center of Cleveland County.

Norman?s strong sense of community, its affordable high quality of life, and its appreciation for diversity, the arts and culture have given is the honor of one of the top best places in the United States to live a comfortable life. Norman has the University of Oklahoma, quality public schools, excellent health care system, business and non profit sectors and well educated people. Read more on Norman, OK.

12. Albuquerque, NM: Albuquerque is the largest city in the state of New Mexico, United States. Albuquerque is home to the University of New Mexico (UNM), Kirtland Air Force Base and the Sandia National Laboratories and Petroglyph National Monument. Albuquerque, New Mexico is a high desert city nestled up against the Sandia Mountains.

As one of the oldest cities in America, Albuquerque has provided a home for humans in the Rio Grande Valley for many centuries and is rich with history and culture. More recently, the city has worked hard to earn recognition as one of the best places to live, work, and do business. Learn more about Albeuquerque, NM.

13. Round Rock, TX: Round Rock is a city located in Travis and Williamson Counties in the U.S. state of Texas.

Round Rock is one of the fastest growing and best managed cities in Texas. The city has maintained high quality of life while becoming a major center for economic development in Central Texas. The City of Round Rock is known for its award-winning master plan, park system and school district as well as for having some of the lowest crime, property tax and utility rates in Texas.

Major employers include Dell, Farmers Insurance Group and Cypress Semiconductor. Its combined property tax and utility rates are the lowest in the region. It has an award-winning park system, school district and is the 13th Safest City in the United States. Learn more about Round Rock, TX.

14. Stevens Point, WI: Stevens Point is a city in and the county seat of Portage County, Wisconsin, United States. Living cost in Stevens Point, Wisconsin is much lower as compared to other parts of the US. The median home cost in Stevens Point is around $129,900 with a yearly appreciation of around 3.71 percent. Compared to the rest of the country, Stevens Point?s cost of living is 20.13% lower than the U.S. average.

There are excellent schools and colleges and the living conditions is one of the best in the United States. Learn more about Stevens Point, Wisconsin.

15. Asheville, NC: The beautiful city of Asheville is in the county seat of Buncombe County, North Carolina, United States. With excellent grown rate, Asheville is growing to be an excellent place to live in the United States with some of the best facilities and excellent living conditions. People from places such as Sedona, Arizona; Santa Cruz, CA and Marin county, CA; Boulder, CO; Maui, HI; Seattle, WA, Ashland, as well as many from Florida, and from all over the country, are moving in to the mountains of Asheville. Asheville has witnessed great increase in the number of residents in the recent years. Learn more about Asheville, NC.

16. Tulsa, OK: Tulsa is the second-largest city in the state of Oklahoma and 45th-largest in the United States. Tulsa is located in northeastern Oklahoma on the Arkansas River. Tulsa is known for its industries such as cattle-shipping, oil companies, industrial machinery, high-tech industries, aerospace, chemicals, computer parts and other small business. With excellent education and employment rate, Tulsa is a great place to live. You will appreciate the culture, sports and leisure, outdoor adventures and nightlife of Tulsa. Learn more about Tulsa, OK.

17. Columbia/Ellicott City, MD: Ellicott City is listed amongst America?s most affluent communities and is located in Howard County, the third wealthiest county in the United States. With its high level of education, job opportunities and excellent living conditions, Ellicott City has been on of the best places to live in the US. Learn more about Ellicott City.

18. Overland Park, KS: The satellite city of Overland Park the second most populous city in the U.S. state of Kansas. National Geographic named Overland Park one of the ?top 50 places to live and play.? Overland Park has consistently ranked in the top best places to live in the United States. Overland Park is home to companies like Sprint Nextel Corporation, Embarq, Applebee?s and the Black & Veatch Corporation. Learn more about Overland Park, KS.

19. San Antonio, TX: The Historic Tourist City, San Antonio is the second-largest city in the state of Texas and the seventh largest city in the United States. San Antonio is home to several companies and sports houses. With its high level of education, excellent living conditions, great job opportunities and quality of life, Santonia attracts several thousand of new residents each year and is a great place to live in the United States. Learn more about San Antonio, TX.

20. Greenville, SC: The City of Greenville is located in the upstate of South Carolina, United States. Despite its growth, housing remains affordable. In just about every publication we see, Greenville is listed as one of the top and best quality-of-life areas in the nation. Because of its growth and diversity, Greenville is often described as the economic engine that is driving the entire state. The city has so much to offer ? great schools, excellent healthcare, tremendous variety in sporting events with college games, museums, ballet and other performing arts. Greenville, SC is undoubtedly one of the best places to live in the United States. Learn more about Greenville, S

Little Rock, AR Kingman, AZ Phoenix, AZ Scottsdale, AZ Tucson, AZ Sacramento, CA San Diego, CA Temecula, CA Vacaville, CA Visalia, CA Colorado Springs, CO Denver, CO Sarasota, FL Middletown, CT Stamford, CT Cape Coral, FL Fort Myers, FL Jacksonville, FL Naples, FL Ocala, FL Grand Rapids, MI Plymouth, MI Rochester, MI Traverse City, MI Rochester, MN Woodbury, MN O?Fallon, MO

Winter Park, FL Marietta, GA Savannah, GA Valdosta, GA Des Moines, IA Spencer, IA Boise, ID Bloomington, IL Chicago, IL Lombard, IL Evansville, IN Richmond, VA Greenwood, IN Olathe, KS Louisville, KY Mandeville, LA Newton, MA Olney, MD Portland, ME Brighton, MI Madison, MS Bozeman, MT Cary, NC Holly Springs, NC Indian Trail, NC Raleigh, NC Wilmington, NC

Saratoga Springs, NY Columbus, OH Westlake, OH Oklahoma City, OK Bend, OR Portland, OR Phoenixville, PA Aiken, SC Charleston, SC Columbia, SC Rock Hill, SC Collierville, TN Knoxville, TN Nashville, TN Austin, TX Fort Worth, TX Houston, TX McKinney, TX Sugar Land, TX St. George, UT Charlottesville, VA Omaha, NE Nashua, NH Westfield, NJ Las Cruces, NM Reno, NV Fairport, NY

Related Posts:

Source: http://www.freediyhomeimprovement.com/2011/09/25/top-101-best-places-to-live-in-the-united-states-of-america/

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US Department of Energy PECASE recipients

Public release date: 27-Sep-2011
[ | E-mail | Share ]

Contact: Dolline Hatchett
dolline.hatchett@science.doe.gov
202-586-4477
DOE/US Department of Energy

WASHINGTON, D.C. President Obama named 13 U.S. Department of Energy (DOE) researchers as recipients of the Presidential Early Career Award for Scientists and Engineers (PECASE). This is the highest honor bestowed by the U.S. government on outstanding scientists and engineers who are early in their independent research careers. The DOE awardees are being recognized for their efforts in a variety of fields - from research to help our nation achieve energy independence and enhance national security to explorations of the elementary particles in the universe. DOE nominated the awardees and DOE's Office of Science and the National Nuclear Security Administration fund their work.

"It is inspiring to see the innovative work being done by these scientists and engineers as they ramp up their careerscareers that I know will be not only personally rewarding but also invaluable to the Nation," President Obama said. "That so many of them are also devoting time to mentoring and other forms of community service speaks volumes about their potential for leadership, not only as scientists but as model citizens."

"Science and technology are the core of our mission at DOE," said Energy Secretary Steven Chu. "These young scientists are using their talents to help our nation build a brighter future, so I congratulate them on their accomplishments and I look forward to their future achievements."

The winning DOE scientists are among 94 researchers supported by 16 federal departments and agencies who will receive the PECASE award. In addition to a citation and a plaque, each PECASE winner will continue to receive DOE funding for up to five years to advance his or her research. The scientists and engineers will receive their awards on Friday, October 14, 2011 at a White House ceremony.

The winning DOE- and NNSA-funded researchers are:

Dr. Christian W. Bauer, Lawrence Berkeley National Laboratory
For developing crucial computational tools that will enable physicists at the Large Hadron Collider to distinguish new discoveries from known processes; for delivering an event generator stimulation package that captures the most accurate state-of-the-art calculations; and for mentoring future high-energy physicists.

Dr. Grigory Bronevetsky, Lawrence Livermore National Laboratory
For innovative, cutting-edge research using statistical models to predict the effects of system faults leading to the development of new software tools and more reliable applications and supercomputer systems, and for his strong track record of professional service and leadership.

Dr. Fotini Chow, University of California, Berkeley
For fundamental research on the simulation of atmospheric turbulence, which has wide-ranging applications that include the dispersal of plumes resulting from atmospheric releases of radioactive or toxic material and the accurate simulation of wind fields for weather prediction.

Dr. Carole Dabney-Smith, Miami University
For imaginative research on the unique pathway that transports folded and assembled proteins across lipid membranes in plants to form the energy-harvesting complexes of photosynthesis and for excellent mentorship of developing scientists.

Dr. David Erickson, Cornell University
For pioneering multidisciplinary research on innovative optofluidic devices, self-reliant microfluidic and biorobotic systems, reconfigurable photonics, biosensing technologies, and directed nanoassembly, as well as service to the research community demonstrated by editorship of two leading journals.

Dr. Daniel Fredrickson, University of Wisconsin-Madison
For the development of concepts crucial to defining the importance of chemical frustration as a critical component mediating between bonding and structure in complex alloys, and for changing the way the community thinks about the structures of solid-state inorganic compounds.

Dr. Christiane Jablonowski, University of Michigan
For exemplary computation science research, advancing the frontier at the interfaces of applied math, computer science, scientific computing, and atmospheric science, and for leadership in connecting diverse communities and bridging the gaps between mathematical and computational developments and the special requirements of climate modeling.

Dr. Gang L. Liu, University of Illinois at Urbana-Champaign
For collaborative development of Surface Enhanced Raman Spectroscopy techniques for a variety of national security applications ranging from measuring the long-term health of the U.S. nuclear stockpile to bio-detection.

Dr. Alysia D. Marino, University of Colorado
For significant accomplishments in the study of neutrino properties and the development of beam-line diagnostic tools that will inform design choices for future neutrino beam facilities; and for excellent mentoring of graduate students.

Dr. Victoria J. Orphan, California Institute of Technology
For developing new techniques to study interactions between microbes, relevant for understanding the role of methane in the biosphere, which is of urgent importance for addressing the global carbon cycle and climate change; and for emerging leadership in the microbiology research community.

Dr. Wei-Jun Qian, Pacific Northwest National Laboratory
For developing and improving methods to identify proteins in key metabolic processes, profiling dynamic protein abundances at the subcellular level, providing information needed to make enzyme processing of biomass more efficient, and for impressive scientific independence and leadership in proteomics.

Dr. Evgenya I. Simakov, Los Alamos National Laboratory
For pioneering the development of specially designed structures for high-energy accelerators that mitigate undesirable byproducts of high-energy particle acceleration, thus improving the quality and intensity of the accelerated particle beam; and for outreach activities and leadership in the advanced accelerator community.

Dr. Feng Wang, University of California, Berkeley
For pioneering research on ultrafast optical characterization of carbon nanostructures that has advanced the fundamental understanding of the electronic structure of graphene and is expected to enable the development of advanced-energy-relevant technologies.

###

The Department of Energy
Office of Public Affairs
News Media Contact: 202-586-4940

---

[ | E-mail | Share ]

?

AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.

Public release date: 27-Sep-2011
[ | E-mail | Share ]

Contact: Dolline Hatchett
dolline.hatchett@science.doe.gov
202-586-4477
DOE/US Department of Energy

WASHINGTON, D.C. President Obama named 13 U.S. Department of Energy (DOE) researchers as recipients of the Presidential Early Career Award for Scientists and Engineers (PECASE). This is the highest honor bestowed by the U.S. government on outstanding scientists and engineers who are early in their independent research careers. The DOE awardees are being recognized for their efforts in a variety of fields - from research to help our nation achieve energy independence and enhance national security to explorations of the elementary particles in the universe. DOE nominated the awardees and DOE's Office of Science and the National Nuclear Security Administration fund their work.

"It is inspiring to see the innovative work being done by these scientists and engineers as they ramp up their careerscareers that I know will be not only personally rewarding but also invaluable to the Nation," President Obama said. "That so many of them are also devoting time to mentoring and other forms of community service speaks volumes about their potential for leadership, not only as scientists but as model citizens."

"Science and technology are the core of our mission at DOE," said Energy Secretary Steven Chu. "These young scientists are using their talents to help our nation build a brighter future, so I congratulate them on their accomplishments and I look forward to their future achievements."

The winning DOE scientists are among 94 researchers supported by 16 federal departments and agencies who will receive the PECASE award. In addition to a citation and a plaque, each PECASE winner will continue to receive DOE funding for up to five years to advance his or her research. The scientists and engineers will receive their awards on Friday, October 14, 2011 at a White House ceremony.

The winning DOE- and NNSA-funded researchers are:

Dr. Christian W. Bauer, Lawrence Berkeley National Laboratory
For developing crucial computational tools that will enable physicists at the Large Hadron Collider to distinguish new discoveries from known processes; for delivering an event generator stimulation package that captures the most accurate state-of-the-art calculations; and for mentoring future high-energy physicists.

Dr. Grigory Bronevetsky, Lawrence Livermore National Laboratory
For innovative, cutting-edge research using statistical models to predict the effects of system faults leading to the development of new software tools and more reliable applications and supercomputer systems, and for his strong track record of professional service and leadership.

Dr. Fotini Chow, University of California, Berkeley
For fundamental research on the simulation of atmospheric turbulence, which has wide-ranging applications that include the dispersal of plumes resulting from atmospheric releases of radioactive or toxic material and the accurate simulation of wind fields for weather prediction.

Dr. Carole Dabney-Smith, Miami University
For imaginative research on the unique pathway that transports folded and assembled proteins across lipid membranes in plants to form the energy-harvesting complexes of photosynthesis and for excellent mentorship of developing scientists.

Dr. David Erickson, Cornell University
For pioneering multidisciplinary research on innovative optofluidic devices, self-reliant microfluidic and biorobotic systems, reconfigurable photonics, biosensing technologies, and directed nanoassembly, as well as service to the research community demonstrated by editorship of two leading journals.

Dr. Daniel Fredrickson, University of Wisconsin-Madison
For the development of concepts crucial to defining the importance of chemical frustration as a critical component mediating between bonding and structure in complex alloys, and for changing the way the community thinks about the structures of solid-state inorganic compounds.

Dr. Christiane Jablonowski, University of Michigan
For exemplary computation science research, advancing the frontier at the interfaces of applied math, computer science, scientific computing, and atmospheric science, and for leadership in connecting diverse communities and bridging the gaps between mathematical and computational developments and the special requirements of climate modeling.

Dr. Gang L. Liu, University of Illinois at Urbana-Champaign
For collaborative development of Surface Enhanced Raman Spectroscopy techniques for a variety of national security applications ranging from measuring the long-term health of the U.S. nuclear stockpile to bio-detection.

Dr. Alysia D. Marino, University of Colorado
For significant accomplishments in the study of neutrino properties and the development of beam-line diagnostic tools that will inform design choices for future neutrino beam facilities; and for excellent mentoring of graduate students.

Dr. Victoria J. Orphan, California Institute of Technology
For developing new techniques to study interactions between microbes, relevant for understanding the role of methane in the biosphere, which is of urgent importance for addressing the global carbon cycle and climate change; and for emerging leadership in the microbiology research community.

Dr. Wei-Jun Qian, Pacific Northwest National Laboratory
For developing and improving methods to identify proteins in key metabolic processes, profiling dynamic protein abundances at the subcellular level, providing information needed to make enzyme processing of biomass more efficient, and for impressive scientific independence and leadership in proteomics.

Dr. Evgenya I. Simakov, Los Alamos National Laboratory
For pioneering the development of specially designed structures for high-energy accelerators that mitigate undesirable byproducts of high-energy particle acceleration, thus improving the quality and intensity of the accelerated particle beam; and for outreach activities and leadership in the advanced accelerator community.

Dr. Feng Wang, University of California, Berkeley
For pioneering research on ultrafast optical characterization of carbon nanostructures that has advanced the fundamental understanding of the electronic structure of graphene and is expected to enable the development of advanced-energy-relevant technologies.

###

The Department of Energy
Office of Public Affairs
News Media Contact: 202-586-4940

---

[ | E-mail | Share ]

?

AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.

Source: http://www.eurekalert.org/pub_releases/2011-09/ddoe-doe092711.php

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Gaming: The New Daytime Talk Show? : Videogame News ...

Posted by Pascal Tekaia on Tuesday, September 27, 2011 ? Leave a Comment?

Let?s Ask the Stu?dio Audience

Gam?ing is hit?ting new strides every day, not just in the types of tech?nol?ogy avail?able for game devel?op?ers and the kinds of expe?ri?ences being passed on to us gamers, but in the grow?ing accep?tance by the rest of soci?ety. Accep?tance as a pas?time; accep?tance as an art form; accep?tance as a means for edu?cat?ing and com?mu?ni?cat?ing. This is a fact that many of us gamers cel?e?brate often, if not daily. Gam?ing is more pop?u?lar today than it has ever been, with more gam?ing expe?ri?ences read?ily avail?able and more peo?ple than ever who con?sider them?selves ?gamers?.

But this social?iza?tion has come at a price. Whereas argu?ments can be made about young play?ers? imma?tu?rity ruin?ing online gam?ing, or that the casual mar?ket is tak?ing away from the hard?core gamer, for the pur?poses of this arti?cle I want to focus on the shift in the media?s atten?tion that has come with the?increased pub?lic expo?sure of gam?ing. With gam?ing being more in the pub?lic eye, the media is report?ing out?ra?geous sto?ries, cit?ing gam?ing as the cul?prit at every turn. Some?how, gam?ing is being turned into a buzz?word at some sort of giant Kaf?feeklatsch where gos?sip is gospel.

Is this the direc?tion that gam?ing is heading?

Call it rat?ings, call it sweeps, call it bad jour?nal?ism, call it extreme left-wing pol?i?tics or polit?i?cal cor?rect?ness run amok; the sen?sa?tion?al?ist per?spec?tive is mak?ing a con?ve?nient scape?goat out of gam?ing, like it did with film, tele?vi?sion, music, and lit?er?a?ture before. The debate of ?Do vio?lent games pro?duce vio?lent gamers?? has obvi?ously been around for a long, long time. But lately we?re see?ing gam?ing being called into play as the per?pe?tra?tor in vic?tim?less crimes (actu?ally, even the word ?crimes? is mis?lead?ing in these instances, more like ?unfor?tu?nate occur?rences?), and events that wouldn?t nor?mally receive any notice what?so?ever -?that?haven?t caused any harm or peril to any?one -?are now con?nected to gam?ing in dubi?ous ways and pub?li?cized with sup?posed pub?lic out?cries of great dis?may. The fact that, with the inter?net and the right forum, every?one is a pun?dit nowa?days doesn?t help our cause as gamers any. Plenty of ama?teurs love to fuel a con?tro?versy, and hav?ing jour?nal?ists that aren?t impar?tial and haven?t checked their facts speak out against gam?ing is throw?ing addi?tional gaso?line on the prover?bial fire. But enough of the back?ground expo?si?tion and metaphors; let?s get down to brass tacks (couldn?t help myself):

• Recent high-profile release, Dead Island, received a fair amount of pos?i?tive feed?back upon its recep?tion. It also received much neg?a?tive atten?tion from the media after it was leaked that a user found the orig?i?nal name of a skill of one of the female char?ac?ters from the game. Spot?ted in the game?s orig?i?nal source code, and removed from proper retail ver?sions of the game, the skill had at one point been referred to as ?Fem?i?nist Whore? by a pro?gram?mer at the studio.
• A young man suf?fered a sud?den and unex?pected death caused by a blood clot form?ing (known as a deep-vein throm?bo?sis) in his leg due to large amounts of time spent sit?ting down, immo?bile. The rea?son? The man was a habit?ual Xbox Live player, spend?ing large amounts of time play?ing Halo?in front of his con?sole. The diag?no?sis? He was ?addicted? to videogames. The head?line? ?Xbox Tragedy?!
• Surely there?s noth?ing objec?tion?able about Por?tal 2, which is rated ?E? for ?Every?one? here in the States?! Wrong. The crime in ques?tion was an in-game series of jokes made at the protagonist?s expense; jokes about being adopted. As luck would have it, Neil Sta?ples hap?pened to be watch?ing as his 10-year old adopted daugh?ter was play?ing this game. Luck?ily, the tragedy was in large part averted (excuse me, but I can?t help a cer?tain level of deri?sion here) when he rushed to her aid and turned off the offen?sive game. The real crime here? The reporter?s rather unin?formed stance, not to men?tion her faux out?raged tone. The daughter?s reac?tion? Noth?ing!
• Cer?tainly no stranger to con?tent that pushes the enve?lope, Rockstar?s Grand Theft Auto?series made head?lines due to its Hot Cof?fee Mod ? a sim?u?lated sex scene hid?den in the game?s code (once again!), which couldn?t even be viewed by the game-playing pub?lic. But sure enough, if politi?cians had their say, all copies of San Andreas would have been burnt in the pub?lic square at high?noon.
• 

  The people?s voice of reason?

  Another one of Rockstar?s games, Bully,actu?ally cre?ated a lot of con?tro?versy before it was ever released. In an effort to get the game banned?from the state of Florida, Jack Thomp?son demanded in court to receive an advance copy of the game, which the court ruled he should receive. Thomp?son had pre?vi?ously claimed (with?out any?knowl?edge of the game?s con?tent whatsoever)?that the game was a ?Columbine sim?u?la?tor? (refer?ring to the infa?mous Columbine Mas?sacre). After advance copies were played, the court ruled that the game posed no threat to soci?ety, and was allowed to ship. As a sad end?ing to this story, Thomp?son sub?se?quently turned his atten?tion towards the judge rul?ing against him, and began a cam?paign that ended in Judge Friedman?s disbarment.

Lan?guid Lin?guini, this is offensive?

The list could go on and on, but I think my point has been made. The media, who are sup?posed to be impar?tial and fair, are?quick to jump on any story that holds the poten?tial of sell?ing a pre?dis?posed point-of-view, and this is cur?rently at the expense of gam?ing as a whole. Why offer a ratio?nal, well thought-out argu?ment when a false head?line scream?ing out?rage sells? And yes, I real?ize the con?sumer is once again to blame for this. But there?s a rea?son why there was no national out?rage dur?ing the late ?80s/early ?90s, when two car?i?ca?tured plumbers with fake New York-Italian accents and han?dle?bar porn?staches had their own children?s TV show, quip?ping things like ?Trav?el?ing tomato sauce!?, ?Cracked Cal?zones!?, and other ethnically-charged allit?er?a?tions ? it?s because it was for enter?tain?ment, and nobody gave a?damn!

Every?thing is ?Peo?ple are out?raged? and ?The pub?lic is offended?. Just once, I?d like to meet some?one who was actu?ally an offi?cial part of the ?offended group? over a par?tic?u?lar gam?ing con?tro?versy, or was affected in some way by the things the media keeps telling us we should be upset about. Any?body? Anybody??

Now, I?m not say?ing that the peo?ple in the above exam?ples don?t have a right to express their opin?ions. The par?ents of Chris Stan?i?forth who died of DVT cer?tainly are right to grieve. Neil Sta?ples has every right (oblig?a?tion, even!) in the world to pro?tect his daugh?ter from harm. But what remains is the ques?tion of how to pro?ceed, and what we as gamers should take from these cases. As cit?i?zens, we have the duty to act in an eth?i?cal and respon?si?ble man?ner. We must not blame?the trou?bles that befall us as part of every?day life on the eas?i?est tar?get sim?ply for the sake of plac?ing blame. We must not yell ?Fire!? in a crowded the?ater. And we must not make gam?ing into the scape?goat for our poor health or lack of par?ent?ing. In other words, we need to take respon?si?bil?ity for our own actions and decisions.

Source: http://bnbgaming.com/2011/09/27/gaming-the-new-daytime-talk-show/

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Green Fascism at Work (Powerlineblog)

Share With Friends: | | Politics - Top Stories Stories, RSS Feeds and Widgets via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/139679871?client_source=feed&format=rss

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Is it Better to Buy or Lease a Car After Bankruptcy? | Financial ...

If you want to get approved at the best possible terms when buying a car, it?s important you know a car lender?s credit guidelines before you apply for credit?especially if you?re bankrupt.

It will save you time and frustration?but more importantly, it will help you avoid credit inquiries that may lower your FICO credit scores up to 12 points per inquiry.

Step 1 in making a lease or buy decision is to determine a lender?s credit guidelines.

You start by asking if they lend to people with a bankruptcy. If so, on what terms?

That?s right. You have to be upfront that you?ve filed bankruptcy. Don?t hide it. We have to face the fact that some dealers just won?t work with people who?ve filed bankruptcy. So our job is to find the ones that do.

Some lenders will only lease to people with a bankruptcy. Others will only offer purchase financing. Yet still others will only lend using a hybrid of the two?this is especially common in Texas.

Ask the finance director at the dealership to direct you as to what structure the manufacturer prefers.

And here?s a quick tip for you: if your bankruptcy doesn?t appear on the credit report your lender pulls?then, in the eyes of the lender, you?re not bankrupt.

The only lenders I would consider using are:

- First choice: Captive lenders (car manufacturers)

- Second choice: Banks (not finance companies)

- Third choice: Credit unions

Ninety-nine percent of the cars I?ve leased over the years have been with captive lenders. Just one was leased by a bank.

That particular deal came from a conversation I had with Amy, the finance manager at the local Land Rover dealership here in Indianapolis. I told her I was open to her financing recommendations, but I preferred financing through the car manufacturer.

I told her my current FICO scores. She immediately said that with my scores she could do better through a local bank. I signed a credit application and told her to go for it.

The next day I signed a lease agreement with that local bank. Being open to her advice literally saved me hundreds of dollars a month on that car.

So be flexible?but be careful. It seems most car dealers call all of their funding sources banks. When in reality some are banks, some are credit unions, and most are sub-prime finance companies.

Here is a list of some of the most commonly used sub-prime auto finance companies:

1. HSBC Automotive

2. Capital One

3. AmeriCredit

4. WFS Financial

You want to pass on the sub-prime finance companies?unless you have exhausted all other options. Sub-prime lenders should be your last resort.

And only use credit unions if they report to all three national credit reporting agencies. How do you find out if a credit union reports to all three credit reporting agencies?

Simple?you ask. Ask the branch manager at the credit union if they report. And after you get the loan, check all three of your credit reports and make sure their trade line appears on each one.

The three worst luxury captive lenders to lease or purchase from after bankruptcy are:

1. BMW

2. Mercedes

3. Porsche

The three worst mainstream captive lenders are:

1. Honda

2. Kia/Subaru

3. Toyota

What makes these the worst?

Once these lenders see that you?ve filed bankruptcy, they are less likely to work with you. However, if they are willing to work with you, they?ll want you to be at least several years from discharge and have perfect credit during that time.

Now that I told you how bad the above six lenders are?there are times where they may offer you good deals. For example, if one of the above happens to be the biggest dealer in your area, they may be able to offer you special deals that a smaller dealer can?t.

Of course, things change all the time with captive auto lenders. They change their credit guidelines on a whim to meet their own financial goals. So, it?s always a good idea to at least research these dealerships?just don?t get your hopes up too high.

OK, so you?ve done your research and narrowed down your choice to one or two car manufacturers.

Step 2 in making a lease or buy decision is to purchase your FICO credit scores.

It?s important you have your most recent scores when you talk to car dealers (just like I did with Amy). It puts you in charge.

When you enter a dealership with your FICO scores, the dealer will know you?re a more informed consumer and cannot be taken advantage of. Just know that the FICO credit scores auto dealers use are a little different than what we see as consumers. The scores the dealers review are called FICO Auto Industry Option Scores. The good news?these FICO scores may be higher than your normal FICO scores if you paid all previous auto loans as agreed.

Some car dealers have told me that if your FICO scores are higher than the scores the dealer reviews?they may even use your scores to get a better deal.

You can buy your scores from myFICO.com.

Step 3 is to interview the remaining car dealers on a deeper level.

Start by asking them these questions:

- Which credit reporting agency do you use to make a lending decision?

- What is your minimum credit score requirement to get approved?

- What credit score is needed to get the best interest rate?

- Do your lenders prefer offering lease or purchase financing to a bankrupt debtor?

- What incentives are there to lease or purchase right now?

At this point it?s important to remain open to either leasing or purchasing. Evaluate your options and incentives. Remember, you?re buying the financing. In other words, the most important factor is the willingness of the lender to loan you money.

I personally view the lease versus buy decision in three ways:

1. If you?re recently recovering from bankruptcy, the only thing that matters is if you can get approved at an interest rate you can afford through a lender that reports to all three national credit reporting agencies. So you should only consider lenders that are bankruptcy friendly.

2. Once your credit scores begin to increase, you can start selecting cars based on which credit reporting agency the lender uses to determine if you qualify. Obviously, you should choose the lender who uses your highest FICO credit score to make a lending decision.

3. When your scores are high enough?or two years have passed after your bankruptcy?or your bankruptcy doesn?t appear on the credit report the lender uses, then you can choose almost any car you like. But make sure you still do your research and use your credit scores to help you compare interest rates, terms and incentives.

Is it Better to Buy or Lease a Car After Bankruptcy?

Source: http://www.financialcrossing.com/is-it-better-to-buy-or-lease-a-car-after-bankruptcy/

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