Not for profit Organization Credit Advice Debt consolidation Loan ...

A nonprofit organization usually could have two main features associated with it: credit counseling and debt consolidation reduction. This article will focus on explaining the difference between the two primary functions of the nonprofit debt consolidation company combined with the importance of using a nonprofit debt consolidation loan company.

The first man purpose of a nonprofit debt consolidation clients are debt consolidation. This is important because lots of people will often have many different credit cards and different debt associated with each particular card. In case you are carrying a balance on 4 or 5 different credit cards and each you?ve got a different interest rate and a different monthly minimum payment, how are you able to keep track of all of these different payments along with how much you owe on all of them? Debt consolidation is important as the nonprofit organization will continue to work with the creditor to lower interest rates along with your monthly payments and will consolidate all of this into one simple payment to suit your needs. Much of the financial stress related to debts comes from having the debt in addition to how much work it takes to handle the debt. Most people are struggling to control the debt so the benefits of having one easy payment are great.

The second main function of most nonprofit debt consolidation companies is to focus on credit counseling. It is important to work with consolidate your debt so that it is manageable but one of the main keys to take out of this article is to also look at how you can manage the behaviors which come up with debt in the first place. If you?ll just work at managing and paying off your debt, how are you able to make sure that this example does not happen again? An example for you to consider: many individuals have done debt consolidation reduction loan using their home equity in order to save themselves money every month only to find themselves in a similar situation two to five years down the road. Credit counseling will allow you to in learning how to manage the debt more wisely and to avoid the situation from ever occurring again. These people are experts in this particular scenario and taking advantage of their expertise can allow one to make better decisions in your future. Credit counseling is usually free for you to use also when working through a nonprofit organization.

Depending upon which nonprofit organization with credit counseling and debt consolidation you use, there could be other functions which the organization provides. It is worth asking the question with there being different features and benefits which you?ll have in using different organizations. Some offer investment advice so that as you learn to manage your credits you can also learn to budget and also get ready for the future I started to save more income. This can help prevent a future situation and will also go along with working towards rebuilding your financial life.

Hopefully this informative article on nonprofit organizations with consumer credit counseling and debt consolidation has given you an idea of what a company has to offer. These are the two main functions in every company but each nonprofit organization also has other offerings to ask about.

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Source: http://www.themoneyfinances.com/2012/03/24/not-for-profit-organization-credit-advice-debt-consolidation-loan/

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CSN: Valentine irked at Girardi in spring game

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FORT MYERS, Fla. ? The Red Sox were held scoreless on just two hits over seven innings by the Yankees? Adam Warren and Dellin Betances, but came back to tie the game, 4-4, in the ninth inning on a squeeze bunt by Jason Repko to score Ryan Sweeney.
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But manager Bobby Valentine was not happy.
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?It was regretful that [Clayton] Mortensen warmed up, though, and then we were told they weren?t going to play an extra inning,? Valentine said. ?I didn?t think that that was very courteous.?
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Mortensen was on the mound to start the 10th conferring with catcher Ryan Lavarnway when the game was called. Typically, spring training tie games are played to 10 innings ? unless a team runs out of pitching to go more than nine innings.
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?They had plenty of pitching,? Valentine said. ?Probably too long of a ride. They could have known that going in.
?
?No, they had plenty of pitching.?
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The Yankees used five pitchers, with seven remaining unused on their travel roster.
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?Usually they (the umpires) talk about it if it?s a tie game, but they didn?t,? said Yankees manager Joe Girardi. ?And I used all our pitching and I just said, ?That?s it.? I just looked at (umpire) Tim Tschida and said, ?That?s it.??
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Valentine learned the game was over as the umpires walked off the field.
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?The umpire came over and said we couldn?t play,? Valentine said. ?I don?t care about not playing. It?s just, you know, why do I have to warm up my pitcher who?s trying to make a team, come in in a tie game against the Yankees and maybe help him make a team and instead he has to walk off the mound to take a shower? That?s just not very courteous.?
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Asked how it is generally determined to call a game early in a tie in the spring, Valentine responded:
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?Usually you go over and say, ?Hey, I don?t have any more [pitching].[Or] I have 10.?? Valentine said. ?I don?t know. I haven?t been around in a long time. Joe [Girardi] knows better than I. I guess you just walk off the field.
?
?I?m sure [Girardi] didn?t do anything deliberate. It?s just I have to answer a pitcher who?s trying to make a team. Why use that bullpen?
?
?I don?t set protocol. I?m learning.?

Source: http://www.csnne.com/baseball-boston-redsox/redsox-talk/Valentine-Sox-Yankees-ending-not-very-co?blockID=675328&feedID=3352

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Why WikiLeaks' bid for radical transparency failed

Friday, March 23, 2012

The scale and significance of the 2010 WikiLeaks disclosures were overstated, according to new research. Analysis of the WikiLeaks debacle in the International Review of Administrative Sciences, published by SAGE on behalf of the Institute for Administrative Sciences (IIAS), serves to highlight four key reasons why radical transparency is hard to achieve, and why a technological fix alone will not achieve it.

Some regard the WikiLeaks disclosures of 2010 as evidence that conventional mechanisms for controlling government-held information are breaking down, heralding a new world of 'radical transparency'. However, Alasdair Roberts of Suffolk University Law School, Boston USA, argues that claims that old-style secrecy is over are an illusion, and that Wikileaks' advocates have overstated their scale and significance.

"They also overlook many ways in which the simple logic of radical transparency ? leak, publish, and wait for the inevitable outrage ?can be defeated in practice," Roberts says.

WikiLeaks' aim is to challenge 'increasing authoritarian tendencies' in government and the growth of unaccountable corporate power. By the end of 2010, WikiLeaks and its editor in chief and founder, Julian Assange, were in the eye of a media storm, with few doubting the significance of the extensive leaked material. Yet Roberts suggests that the 2010 leaks actually revealed the obstacles to achievement of increased transparency, even in the digital age.

The leaks' sheer size in terms of volume of pages was cited as proof of their significance - these were the largest set of confidential documents ever leaked to the public. Yet in quantitative terms, the data's significance as a fraction of the total number of confidential documents is no greater than previous leaks during other eras. The sheer quantity of this type of data held by governments is constantly increasing.

On the Internet, commercial and political considerations compromise the free flow of information, just as they did when we relied on earlier communications technologies. When WikiLeaks released US State Department cables in November 2010, several companies that Wikileaks used, including Amazon Web Services, EveryDNS.net, PayPal and Apple, cut off their services, citing contractual violations or threats to their own businesses that would hinder other customers. This complicated WikiLeaks' ability to distribute leaked information, and damaged it financially.

The radical transparency vision has a further difficulty, in that it neglects the significance of intermediation ? organizing, interpreting, and drawing attention to information. Skilled in the use of information technology, WikiLeaks' members were nonetheless daunted by the task of handling bulk data leaked from the Defence Department. WikiLeaks released a series of US military counterinsurgency manuals in 2008, anticipating a strong reaction and press attention. In reality it garnered little reaction because the material was too complex, and there was no clear story to grasp.

Wikileaks subsequently turned to a number of major media outlets to help with handling information releases. However, this also meant that the media became gatekeepers for the information, taking their own decisions regarding which content should be published, and what was newsworthy or what they had the budget to investigate.

Wikileaks expected its leaks to spark outrage, shifting public opinion. But the American public, in general, did not react with the expected level of outrage: perceptions about the conduct of the war in Afghanistan actually improved after WikiLeaks' July 2010 disclosures.

Roberts observes that: "The incidents revealed by WikiLeaks might not even be construed as abuses of power at all. On the contrary, they might provide reassurance that the American government is willing to act ruthlessly in the pursuit of American interests, and that it actually has the capacity to act ruthlessly."

The final difficulty with the vision of radical transparency is that it assumes a passive government reaction. In fact, governments have shown they can respond to such threats with "speed and brutality". US Army private Bradley Manning, the apparent source of all four of the 2010 leaks, has taken the hardest fall. US federal agencies have responded to the leaks by tightening administrative controls on access to sensitive information. Even if government officials lost control of the information itself, they have not lost their capacity to shape its interpretation.

"There is no such thing, even in the age of the Internet, as the instantaneous and complete revelation of the truth. In its undigested form, information has no transformative power at all," Roberts says. "Raw data must be distilled; the attention of a distracted audience must be captured; and that audience must accept the message that is put before it."

Roberts is a proponent of stronger accountability and increased transparency, for diplomatic and national security institutions. However, he concludes that this will require hard work, rather than a technological fix. "A major difficulty with the WikiLeaks project is that it may delude us into believing otherwise," he concludes.

###

SAGE Publications: http://www.online.sagepub.com

Thanks to SAGE Publications for this article.

This press release was posted to serve as a topic for discussion. Please comment below. We try our best to only post press releases that are associated with peer reviewed scientific literature. Critical discussions of the research are appreciated. If you need help finding a link to the original article, please contact us on twitter or via e-mail.

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Source: http://www.labspaces.net/118685/Why_WikiLeaks__bid_for_radical_transparency_failed

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Dermatologists Agree We Need to Prevent Skin Cancer in Style ...

Dermatologists agree that style is just as important as long lasting UPF 50 coverage when it comes to choosing sun protective clothing. This was a frequent?comment at this year?s American Academy of Dermatology Annual Meeting in San Diego, California. Dermatologists often recommend sun protective clothing to patients with sun sensitive conditions, such as skin cancer, but claim patients more often comply when sun protective clothing looks like normal clothing that?s ?in-style?. After hearing numerous comments from dermatologists at the AAD Annual Meeting last weekend, Coolibar sun protective clothing has great news for those looking for ?stylish? sun protective clothing.

Sun protective clothing has evolved over the last decade. What was once seen as a medical device for those with sun sensitive conditions is now common practice for families and individuals looking to stay healthy and covered under the sun versus using sunscreen alone. Coolibar has spent 10 years producing moisture wicking, breathable, natural feeling fabrics along with stylish fashions for people to wear during outdoor activities.

Coolibar clothing designer Alicia Pizzo has over eight years of experience designing women?s clothing. Since coming to Coolibar in 2011, Pizzo has worked to create more flattering styles that still provide the skin coverage people want. Pizzo says, ?During the AAD Annual Meeting, we wanted to get as much feedback as possible from dermatologists on our new UPF 50+ styles.? New styles showcased, available on?www.coolibar.com?starting tomorrow, included nautical print dresses, skirts, and tops for women and girls. ?All feedback was extremely positive,? says Pizzo.? Dr. Michelle Tarbox, Assistant Professor of Dermatology at Saint Louis University, liked the new styles so much that she purchased a new UPF 50+ Polo Dress on the spot.? ?I love this polo dress, it has a flattering feminine fit? and modern styling with a young hip look to it, but still provides full sun protective coverage of the upper body and the legs down to the knees. You would never guess looking at the garment that it is designed for sun protection. After the Meeting, I wore the dress all day and was impressed with how comfortable and cool it was and also by how many compliments I got on it!?

Julie, Heather, Alicia AAD12

Coolibar employees Julie Ziminske, Heather Olson, and Alicia Pizzo at the AAD Meeting.

Other dermatologist who stopped at the Coolibar booth continued to express their excitement toward the new sun protective styles. Some women even debated how to accessorize the new looks. Ideas included wearing the navy stripe pattern with red wedges, red jewelry accents and a simple white sun hat.

Collage of New Coolibar ZnO Stripe Prints

Paralleling dermatologists? interest in stylish sun protective clothing at this year?s AAD Meeting, skin cancer prevention was a hot topic.?SPOT Skin Cancer?, a new initiative designed to raise skin cancer awareness to a new level while positively positioning dermatologists as uniquely trained doctors treating life-threatening diseases, was introduced during the Meeting. The campaign is using an attractive bright orange on all campaign material versus the color black that?s currently associated with skin cancer and ?spot? patterns that represent moles.? The Academy says, ?With SPOT, the Academy is bringing all of its skin cancer public education efforts under one consistent brand identity for maximum impact.? SPOT will be launched to the public on Melanoma?Monday, May 7, 2012.

Source: http://blog.coolibar.com/dermatologists-agree-we-need-to-prevent-skin-cancer-in-style/

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Farmington officials consider rec center for sports participants

FARMINGTON ? This community is recreationally challenged.

There simply aren?t enough sports facilities to accommodate the growing needs of youths and adults to participate in their favorite sports, many leaders say.

For example, Parks and Recreation Director Neil Miller wanted to organize a women?s softball league this summer, but the city has no softball fields.

And the problem is hardly limited to softball. There is a shortage of soccer and football fields, and the city doesn?t have a recreational center.

City leaders want to change that situation by putting steps in place that could potentially lead to a new rec center, with parks and amenities.

Discussion of a recreation complex was one component of a retreat held by city staff and leaders at the end of February. Talks were initiated again Tuesday during a city council work session.

City Manager Dave Millheim said he thinks the time is right to move forward with a plan to potentially build a recreation center and additional sports park facilities.

He said the big question, moving forward, is how large a facility to build and how to pay for it.

The city may be ready to take baby steps toward plans in the immediate future.

Miller came forward with a plan Tuesday for the city to partner with Davis School District to plant grass on 22 acres of district property near the district?s bus garage. The area could be used for playing fields, maybe as soon as this fall.

Miller distributed a schematic showing 12 playing fields on the site. If an agreement is finalized with the district, the city would invest as much as $32,000 in planting grass and setting up a watering system for the fields this spring.

The fields could handle soccer, football and possibly lacrosse games, Miller said.

?In my mind, this is step one of seven or eight larger decisions we?ll make over the next several years,? Millheim said of the move.

During the retreat, city leaders speculated about possible partners, including the school district and the county, to address recreational issues.

Finance Director Keith Johnson estimates it would cost $11 million to $16 million to build a recreational center and a regional park.

He raised the possibility of bringing a recreational arts and parks tax before voters, similar to what is in place in Bountiful and Centerville to fund a regional theater.

The RAP tax could generate a small percentage of new sales tax from nonfood items that would be dedicated to recreational projects over a specified amount of time.

Millheim said the development of Station Park, with hotels and restaurants, would bring in outside funding to provide some help in raising money for the facilities.

Mayor Scott Harbertson said he met with Ken Sulzer, chairman of the county?s hotel/restaurant taxing committee, about the potential for a RAP tax and funding for sports facilities from hotel and restaurant tax revenue.

Johnson also raised the possibility the city could partner with the school district to build and run a regional sports complex. Such a move works in Clearfield, where the city and the district share a recreational complex at North Davis Junior High School.

City leaders talked about the potential for putting a recreational center in the same area as a sports complex, with multiple multiuse fields for a number of sports.

Millheim said, ?Our biggest challenge is, we can design a park and rec center, but is your community going to support that??

Source: http://www.standard.net/stories/2012/03/22/farmington-officials-consider-rec-center-sports-participants

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Despite thawing relationship, China still spying on Taiwan

Four suspected spies have been detained in China during the last fourteen months.

When Taiwanese security personnel detained a suspected spy for China at a top secret military base last month, they may have had a sense of deja vu.

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Air force Capt. Chiang ? he was identified only by his surname ? was the fourth Taiwanese in only 14 months known to have been picked up on charges of spying for China, from which the island split amid civil war 63 years ago. While Taiwan's Defense Ministry did not disclose details of his alleged offense, his base in the northern part of the island hosts the air force's highly classified radar system and U.S.-made Patriot surface-to-air missiles, both vital to the island's aerial defense.

Chiang's arrest followed that of Maj. Gen. Lo Hsieh-che, who had access to crucial information on Taiwan's U.S.-designed command and control system, and civilian Lai Kun-chieh, who the Defense Ministry says tried without success to inveigle Patriot-related secrets from an unnamed military officer. A fourth alleged spy was detained on non-defense-related charges.

RELATED: China's leadership shakeup: Bo Xilai and 4 other names to watch

The cases show that China is seeking information about two systems that are integral to Taiwan's defenses and built with sensitive U.S. technology. A major breach could make Taiwan more vulnerable to Chinese attack.

Though relations between the two have warmed in recent years, Beijing has never recanted a vow to retake the island, by force if necessary.

Information about the U.S.-supplied defense systems could also help the People's Liberation Army understand other U.S. defenses. Taiwanese officials, however, say their systems are secure, and U.S. experts say American secrets will remain protected in any case.

The possibility that Taiwan might give up military secrets is certainly a worry for the U.S., its most important foreign partner.

Despite shifting recognition from Taipei to Beijing in 1979, Washington continues to sell the island sophisticated military equipment, and sees it as an element in a string of Asian defense relationships that stretches from South Korea to Australia. Any confirmed leak of U.S. defense secrets from Taiwan to China could undermine U.S. willingness to continue providing military equipment and technology to the island.

"We are concerned whenever this type of incident occurs," a U.S. defense official said in an email response to an Associated Press request for comment on the recent espionage incidents. "However, Taiwan has taken aggressive steps in the last year to protect itself from intelligence threats." The official spoke on condition of anonymity because of the sensitivity of the issue.

China and Taiwan have been spying on each other for decades, and U.S. intelligence agencies have also been active on both sides of the Taiwan Strait, including sharing sensitive mainland-related data with Taiwan. But the recent arrests represent a big upsurge in both the seriousness and quantity of Taiwan spy cases compared with previous years.

At the heart of the China's Taiwan espionage efforts are two systems with substantial U.S. technology ? the Lockheed Martin and Raytheon-built Patriot missile defense system and the Lockheed-designed Po Sheng command and control system.

The Patriot uses sophisticated radar to track incoming aerial threats, then launches high-performance missiles to bring them down. The Po Sheng network ? the Chinese name means Broad Victory ? allows Taiwan's army, air force and navy to exchange battlefield information in real time. That is a big advantage in coordinating responses to the attack China has promised if Taiwan ever moves to make its de facto independence permanent.

Source: http://rss.csmonitor.com/~r/feeds/csm/~3/YUWgGfvkAtA/Despite-thawing-relationship-China-still-spying-on-Taiwan

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Vallejo's California Maritime Academy to ride wave of future massive cargo ships

As the tide turns and container ships get ever-larger, California Maritime Academy likely will be at the helm in training crews to maneuver the massive vessels in and out of California ports, several officials said Thursday.

The Vallejo Cal Maritime played a big role in the docking of the largest container ship ever to call any seaport in North America -- the MSC Fabiola at the Port of Oakland.

Operated by the world's second-largest shipping company, Mediterranean Shipping Company, the massive ship arrived Wednesday night at Oakland's international container terminal.

The ship is almost a quarter-mile long and can hold more than 6,000 average-size containers.

For nearly a year since the Port of Oakland notified maritime officials of the ship's arrival, Cal Maritime alumni, staff and its simulator have had significant input into its docking, said Vic Schisler, a longtime maritime expert who oversaw the training.

"The Port of Oakland went to the pilots who said they want to bring these ships in and the pilots said they want to see the simulation and that's where it led to Cal Maritime," Schisler said.

Outfitted with high tech computers and other equipment, the simulator can virtually duplicate any situation at sea or in port, anywhere in the world.

Due to the ship's size, however, there was no model in the simulator's database and Cal Maritime had to get a special one built so the crew could train.

During the five-day training sessions,

crew members "piloted" a ship with the Fabiola's measurements in the simulator under a myriad of different conditions, and using different types and combination of tug boats, Schisler said.

When it came time for the real thing, 1983 Cal Maritime alum John Carlier of the San Francisco Bar Pilots Association was on board as the first pilot.

He boarded the ship about 11 miles outside of the Golden Gate Bridge, took over the control room and, with his crew, steered it into Oakland, he said.

"It went well. There was a lot of anticipation and what-not. It definitely took a lot to slow it down," Carlier said. "You could definitely feel the weight" of the ship, he said, adding that he used tugs to control and slow speed.

"It was definitely a tight fit into Oakland," Carlier added.

While the Fabiola caused a big splash for its size, it will, by no means, be the last of its kind.

Both Carlier and Schisler predict that ships as large, if not larger, will carry cargo at less expensive prices.

"They can move more cargo and expend less fuel," Carlier said.

However, Schisler said maintaining and maneuvering ships of such enormous size and weight will take more research and training to ensure everything goes safely.

Contact staff writer Sarah Rohrs at srohrs@timesheraldonline.com or (707) 553-6832.

Source: http://www.timesheraldonline.com/ci_20238458/vallejos-california-maritime-academy-ride-wave-future-massive?source=rss_viewed

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Reworked version of Duqu worm found in Iran

A new variant of the mysterious Duqu worm has been spotted in Iran by researchers from the security firm Symantec, marking the re-emergence of the close cousin of the Stuxnet cyberweapon after five months of dormancy.

The finding indicates that the unknown creators of Stuxnet ? suspected by many to be the intelligence services of the U.S., of Israel or of both ? are still at work.

In a Symantec blog posting Tuesday, the company identified a new component of the malware, a driver used to load Duqu onto computers when they restart. Analyzing the driver's code ?"only one small part of the overall attack code" ? Symantec's researchers found that the malware authors had reworked it to better evade detection by security products.

Duqu's builders also changed its encryption algorithm and rigged the malware loader to pose as a Microsoft driver. (The old driver was signed with a stolen Microsoft certificate.)

"Although we do not have all of the information regarding this infection, the emergence of this new file does show that the attackers are still active," Symantec wrote.

First discovered in September 2011, but bearing code indicating it was created in 2007, Duqu is closely related to the Stuxnet worm, which in the summer of 2010 infected and crippled Iran's Natanz nuclear-fuel processing facility.?

Duqu's true intentions are unclear. Some security experts believe it is designed to steal data from critical industrial-control systems in Iran and Europe, similar to the energy facilities Stuxnet targeted; others believe it is meant to the steal authentication certificates that websites use to verify their identities.

Whatever its intent, countries including Iran, Sudan, India, Vietnam, Ukraine, Switzerland, France and the Netherlands have confirmed Duqu infections. Just days ago, researchers at another security firm, Kaspersky Lab, identified the mysterious programming language used to create part of Duquafter appealing to the larger security community for help.

[Duqu Programming Language Cracked, Seems to Be Work of Professionals]

The latest Duqu component, Symantec said, was complied Feb. 23, indicating it hasn't been in the wild for very long. The last unique version of Duqu that Symantec had previously spotted was compiled on Oct. 17, 2011.

Dennis Fisher from Kaspersky Lab, which has spent numerous hours studying Duqu, wrote in a blog posting March 20 that, based on the new Duqu variant, it appears that the worm is specifically tailored to each target.

"Rather than writing one piece of malware and spreading it to a large potential victim base, the crew behind Duqu had a small, specially selected group of targets, each of which got its own specifically crafted component and drivers," Fisher wrote.

Source: http://www.msnbc.msn.com/id/46821870/ns/technology_and_science-security/

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