Time to Raise the MBL Cap for Credit Unions? - Small Business ...

Fred Becker, President and CEO of the National Association of Federal Credit Unions (NAFCU), is calling upon Senate leaders to pass a bill to raise the credit union member business lending cap (MBL) from 12.25 percent of assets to 27.5 percent. Increasing this cap would allow credit unions to make more capital available for small business loans, which can be a profitable part of a credit union?s portfolio.

The bipartisan Credit Union Small Business Jobs Bill, S. 2231, introduced by Senator Mark Udall (D-CO), and retiring Senator Olympia Snowe (R-ME), would increase the MBL cap from 12.25 percent of assets to 27.5 percent for eligible credit unions.

When Congress passed the Credit Union Membership Access Act in 1998, it created restrictions on the ability of credit unions to offer member business loans by a credit union?s member business lending to 12.25 percent of total assets. Research has proven that the cap hinders credit union lending to small business and does little, if any, harm to banks and other institutions.

In January 2001, the Treasury Department released a study, ?Credit Union Member Business Lending? which found that ?Business lending is a niche market for credit unions. Overall, credit unions are not a threat to the viability and profitability of other insured depository institutions.?

Last year, the SBA?s Office of Advocacy also found that bank lending was largely unaffected by changes in credit union business lending, and that credit unions have the ability to offset declines in bank business lending during a recession (James A. Wilcox, The Increasing Importance of Credit Unions in Small Business Lending, Small Business Research Summary,?SBA Office of Advocacy, No. 387. Sept. 2011).

Becker suggests raising the MBL ceiling in combination with legislation to extend full coverage of noninterest-bearing transaction accounts. Banking trades are seeking extension of the ?transaction account guarantee? program that was implemented under the Dodd-Frank Act. NAFCU advocated parity for credit unions, which was included in the final Dodd-Frank bill. Currently, $1.4 trillion in noninterest-bearing account balances covered under Dodd-Frank are in line to lose their federal coverage. The 100 percent deposit and share insurance coverage for these accounts is set to expire on Dec. 31 at midnight.

In a letter to Senate Majority Leader Harry Reid (D-NV), and Minority Leader Mitch McConnell (R-KY), Becker wrote:

?This would certainly have unintended consequences on smaller financial institutions and could very well lead to businesses shifting funds away from their community-based financial institutions.?

NAFCU believes that combining the two measures into one:

?. . .would not be a win-win proposition for the American people and our economy.?

I agree. ?Credit unions have the capital to help America?s small businesses thrive. The outdated MBL cap limits their ability to help stimulate the economy by providing credit to startups and expanding small businesses.

Unlock Money Photo via Shutterstock

About Rohit Arora

A frequently quoted expert on small business lending and recently named the ?Top Entrepreneur of 2011? by Crain?s New York Business, Rohit Arora is CEO of Biz2Credit, which connects small business owners with 400 lenders, credit rating agencies and service providers. Since 2007, Biz2Credit has secured $400 million in funding for small businesses across the U.S. via its safe, efficient online platform.

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Source: http://smallbiztrends.com/2012/11/raise-the-mbl-cap-for-credit-unions.html

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Can life emerge on planets around cooling stars?

ScienceDaily (Nov. 29, 2012) ? Astronomers find planets in strange places and wonder if they might support life. One such place would be in orbit around a white or brown dwarf. While neither is a star like the sun, both glow and so could be orbited by planets with the right ingredients for life.

No terrestrial, or Earth-like planets have yet been confirmed orbiting white or brown dwarfs, but there is no reason to assume they don't exist. However, new research by Rory Barnes of the University of Washington and Ren? Heller of Germany's Leibniz Institute for Astrophysics Potsdam hints that planets orbiting white or brown dwarfs will prove poor candidates for life.

White dwarfs are the hot cores of dead stars and brown dwarfs are failed stars, objects not massive enough to start nuclear burning as the sun does. In theory, both can be bright enough to theoretically support a habitable zone -- that swath of space just right for an orbiting planet's surface water to be in liquid form, thus giving life a chance.

The inner edge of that just-right zone is where a planet starts to become a runaway greenhouse, such as Venus. That heating phenomenon removes the planet's surface water and all chance of life -- of habitability -- is forever lost.

White and brown dwarfs share a common characteristic that sets them apart from normal stars like the sun: They slowly cool and become less luminous over time. And as they cool, their habitable zones gradually shrink inward. Thus, a planet that is found in the center of the habitable zone today must previously have spent time near the zone's deadly inner edge.

Because of their past, such planet would "face a difficult path to habitability," Barnes said, even if they're discovered right in that habitable zone. Call it a sort of cosmic background check, revealing that the worlds probably lost the means to host life long before they became habitable zone residents.

"These planets, if we find them today in a current habitable zone, previously had to have gone through a phase which sterilized them forever," Barnes said. Heller added, "So, even if they are located in the habitable zone today, they are dead."

Barnes is the lead author of a paper published in November in the journal Astrobiology; and Heller is co-author.

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Story Source:

The above story is reprinted from materials provided by University of Washington. The original article was written by Peter Kelley.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.

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Journal Reference:

1. Barnes, Rory; Heller, Rene. Habitable Planets Around White and Brown Dwarfs: The Perils of a Cooling Primary. Astrobiology, November 2012 [link]

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

Disclaimer: Views expressed in this article do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/top_news/top_technology/~3/czPWmtsdh1U/121129143159.htm

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A Look At The Five Positions In Basketball ? Recreation and Sports

In the game of basketball, there are five different positions that players can choose from. The different positions will play a very different role in the game. Take a moment to look over each position to better understand its role in the game.

A player who holds this position will ensure that the ball continues to move forward. To be successful in this position, a player will need to be aware of the other players and have the ability to shoot the ball in a matter of seconds. It is important to understand that while this player is going to occasionally shoot baskets, their main goal will be to pass the ball.

A shooting guard is focused on scoring points in the game. They will need to be able to prepare their shots for the basket and do so in as efficient of a manner as possible. Improved ball handling will also be essential for the individual in this position to have. When in this role, a player will find that they are frequently being blocked by the opposing team?s players and these blocks can result in a dropped ball.

It will be important that the shooting guard uses the point guard and small forward to help them to effectively setup their shots.

This position will be described at the power player. They will not only need to deliver strength on the court, but also help to improve the score of the team. They will block other players from making baskets, will helping to take blocks meant for the shooters in the game. In basketball, the small forward will greatly benefit from having a solid jump.

In this position, the focus will be playing defense while trying to slow down the opposing team?s momentum and to take away the ball. This means they do need to be focused and effective on both ends of the court.

For this position, the player will be focused on watching the basket and ensuring that they are in the way of anyone who tries to drive the ball. For this individual, it will be important that they do have a great athletic ability, with the skills to block drives and score without effort. They will also need to be a top contender when it comes to rebounds and ensuring that the team is well protected from all sides.

For this position, you will have the tallest player on your team who is focused on getting in front of the ball. It will be important that this player knows how to block the ball and will have the skills that are needed for setting up slam dunks as well. It will also be important that they properly stall players by adjusting their path.

Each position has its own unique role for the game. Take your time to explore each position you can choose from and focus your efforts on improving the necessary skills to be successful in it.

About Author:

Ayub Farooq helps with a Basketball Coaching & Player Improvement Site that informs players and coaches about the different aspects of playing and coaching basketball: http://www.basketball-drills-and-plays.com.? Also be sure to see: http://coacheshome.tripod.com for a good collection of basketball coaching videos.

Tags: Basketball, basketball coaching, basketball improvement, basketball tips

This entry was posted on Wednesday, November 28th, 2012 at 10:02 pm and is filed under Uncategorized. You can follow any responses to this entry through the RSS 2.0 feed. Responses are currently closed, but you can trackback from your own site.

Source: http://recreationandsports.russiacourse.com/uncategorized/a-look-at-the-five-positions-in-basketball/

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Salem Communications Declares Q4 Dividend - RADIO ONLINE ?

Salem Communications Declares Q4 Dividend Salem Communications Corporation announced that its Board of Directors has declared a dividend for the fourth quarter of 2012 in the amount of $0.035 per share of its Class A and Class B common stock. The cash dividend will be paid on December 28, 2012 to all common stockholders of record as of December 14, 2012. Salem Communications Corporation is the largest commercial U.S. radio broadcasting company that provides programming targeted at audiences interested in Christian and conservative opinion radio content, as measured by the number of stations and audience coverage. Upon completion of all announced transactions, the company will own and/or operate a national portfolio of 99 radio stations in 38 markets, including 61 stations in 22 of the top 25 markets. Salem also owns Salem Radio Network, a national radio network that syndicates talk, news and music programming to approximately 2,300 affiliated radio stations and Salem Media Representatives, a national media advertising sales firm with offices across the country. (11-29-12) Menu | Contact Us | Subscribe | Advertise | Privacy Policy | About Us Copyright ? 1989-2012 RADIO ONLINE ? The publisher makes no claims concerning the validity of the information posted on RADIO ONLINE and will not be held liable for its use. No part of this material may be reproduced in any form, incorporated in any information retrieval system or otherwise redistributed without the prior written permission of the publisher.

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Source: http://news.radio-online.com/cgi-bin/rol.exe/headline_id=n25961

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GOP Rep. Pridemore Running for State Superintendent

POSTED: Wednesday, November 28, 2012 --- 9:30 a.m.

MADISON, Wis. (AP) -- Republican state Rep. Don Pridemore of Hartford is running for Wisconsin state schools superintendent.

Pridemore registered his campaign committee with the state elections board on Wednesday. He joins incumbent state superintendent Tony Evers as the only announced candidates so far seeking the post.

The 66-year-old Pridemore was re-elected to his fifth term in the Assembly in November. He was not contested.

Candidates seeking to become secretary of the Department of Public Instruction can begin circulating nomination papers on Saturday. They are due to be returned on Jan. 2.

The election is April 2 but if more than two candidates run there will be a Feb. 19 primary.

The post is officially nonpartisan and the term runs for four years.

Copyright 2012: Associated Press

Source: http://www.nbc15.com/election/headlines/GOP-Rep-Pridemore-Running-for-State-Superintendent-181186851.html

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S.Africa's rand holds on to surprise gains

JOHANNESBURG (Reuters) - S.Africa's rand held firm against the dollar Wednesday, consolidating a surprisingly strong performance in the previous session after weaker-than-expected economic growth figures.

The rand was little changed at 0611 GMT, trading at 8.8434 against the greenback after New York's close of 8.845.

"The international backdrop remains negative this morning but the trend for rand gains remains strong," Rand Merchant Bank said in a note.

Investors are likely to pay attention to a speech by Reserve Bank Governor Gill Marcus at a conference of the National Union of Metalworkers of South Africa (NUMSA) at 0800 GMT.

Marcus left the repo rate unchanged at a four-decade low of 5.0 percent last week and warned that strikes in the mining sector and beyond since August would lead to job losses in a country already grappling with unemployment of over 25 percent.

Tuesday's GDP statistics drove home that point, showing that growth slowed sharply in the third quarter after a big contraction in the strike-hit mining sector.

Government bond yields slipped one basis point each to 5.46 percent for the three year bond and 7.555 percent for the longer dated 14-year paper.

Power utility Eskom is due to auction 400 million rand between the EL29 and ES33 bonds at 0900 GMT.

Source: http://news.yahoo.com/africas-rand-holds-surprise-gains-070906079--finance.html

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Santas on the Run at Queen's College

Santas on the Run at Queen's College

3:47pm Wednesday 28th November 2012 in News

THE Santas on the Run charity event in aid of the Children's Hospice South West has been switched to Queen's College, Taunton.

It was originally due to ve staged at Vivary Park, but organisers had to move it as the park is waterlogged and likely to be closed for several days.

Source: http://www.thisisthewestcountry.co.uk/news/10076166.Santas_on_the_Run_at_Queen_s_College/?ref=rss

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Google?s Speedy-Seller Nexus 4 Smartphone Back In Stock In U.S. Play Store ? From Noon PST Today

The latest 'Google phone', the LG-made Nexus 4, sold out within minutes of going on sale around the world but Android fans in the U.S. who missed out in the initial sales run are being offered a second bite at the cherry. In an email sent out today, Google says the device will be back in stock on the U.S. version of the Google Play Store from 12:00 noon PST today.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/MaGsRXkMsU4/

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Video: Author: Warren Buffett ?thinks about business 24/7?

Source: http://www.msnbc.msn.com/id/3041440/vp/49977035#49977035

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Rice concession on Libya fails to mollify 3 in GOP

Sen. John McCain, R-Ariz., ranking Republican on the Senate Armed Services Committee, center, flanked by fellow committee members, Sen. Kelly Ayotte, R-N.H., left, and Sen. Lindsey Graham, R-S.C., right, speaks on Capitol Hill in Washington, Tuesday, Nov. 27, 2012, following a meeting with UN Ambassador Susan Rice. Rice met with lawmakers to discuss statements she made about the attack on the U.S. Consulate in Libya that left the ambassador and three other Americans dead. (AP Photo/Susan Walsh)

Sen. John McCain, R-Ariz., ranking Republican on the Senate Armed Services Committee, center, flanked by fellow committee members, Sen. Kelly Ayotte, R-N.H., left, and Sen. Lindsey Graham, R-S.C., right, speaks on Capitol Hill in Washington, Tuesday, Nov. 27, 2012, following a meeting with UN Ambassador Susan Rice. Rice met with lawmakers to discuss statements she made about the attack on the U.S. Consulate in Libya that left the ambassador and three other Americans dead. (AP Photo/Susan Walsh)

FILE - This April 14, 2012 file photo shows U.S. Ambassador to the United Nations Susan Rice speaking at U.N. headquarters. With congressional opposition softening, U.N. Ambassador Susan Rice could find her name in contention as early as this week to succeed Hillary Rodham Clinton as secretary of state. Her nomination to the top Cabinet job could signal the potential for a more robust intervention in world crises in President Barack Obama?s second term. (AP Photo/Craig Ruttle, File)

Sen. Lindsey Graham, R-S.C., a member of the Senate Armed Services Committee and the Senate Homeland Security Committee, center, accompanied by fellow Senate Armed Services Committee member, Sen. Kelly Ayotte, R-N.H.,, right, gestures while speaking to reporters on Capitol Hill in Washington, Tuesday, Nov. 27, 2012, after a closed-door meeting with UN Ambassador Susan Rice. (AP Photo/J. Scott Applewhite)

Senate Armed Services Committee member, Sen. Kelly Ayotte, R-N.H.,, center, accompanied by fellow Senate Armed Services Committee member, Sen. Lindsey Graham, R-S.C., right, speaks to reporters on Capitol Hill in Washington, Tuesday, Nov. 27, 2012, following a closed-door meeting with UN Ambassador Susan Rice. (AP Photo/J. Scott Applewhite)

WASHINGTON (AP) ? U.N. Ambassador Susan Rice told lawmakers Tuesday that her initial explanation of the deadly Sept. 11 raid in Libya was wrong, but her concession failed to mollify three Republican senators who signaled they would oppose her possible nomination to be secretary of state.

In a closed-door meeting that Rice requested, the ambassador answered questions from Sens. John McCain, Lindsey Graham and Kelly Ayotte about her much-maligned explanations about the cause of the attack on the U.S. diplomatic mission in Benghazi, Libya, that killed Ambassador Chris Stevens and three other Americans. She was joined by acting CIA Director Michael Morell.

"The talking points provided by the intelligence community, and the initial assessment upon which they were based, were incorrect in a key respect: There was no protest or demonstration in Benghazi," Rice said in a statement after the meeting. "While we certainly wish that we had had perfect information just days after the terrorist attack, as is often the case the intelligence assessment has evolved."

Rice's unusual visit to Capitol Hill ? typically only nominees meet privately with lawmakers ? reflects the Obama administration's campaign for the current front-runner to replace Secretary of State Hillary Rodham Clinton against some strenuous GOP opposition.

"We are significantly troubled by many of the answers that we got and some that we didn't get concerning evidence that was leading up to the attack on the consulate," McCain told reporters after emerging from the hour-plus session that he described as candid.

Said Graham: "Bottom line I'm more disturbed now than I was before that 16 September explanation." He said in a later interview that Rice went "far beyond the flawed talking points" and should be held accountable.

"I'm more troubled today," said Ayotte, who argued that it was clear in the days after the attack that it was terrorism and not a spontaneous demonstration prompted by an anti-Muslim video.

The White House remained defiant in its support for Rice, arguing that she was relying on an assessment from the intelligence community and had no responsibility in compiling the information on the cause of the attack. It dismissed what it characterized as a fixation on her national television appearances five days after the raid.

"The focus on, some might say, obsession on comments made on Sunday shows seems to me and to many, to be misplaced," spokesman Jay Carney told reporters at a White House briefing.

House Democrats, including female members of the Congressional Black Caucus, have suggested that the GOP opposition to Rice is sexist and racist. Senate Democrats, who will increase their advantage to 55-45 in the next Congress, said Rice could win confirmation if Republicans recognize the unfairness of penalizing her for the intelligence community's talking points.

"It is so unfair to hold her responsible for something that she didn't produce and which the intelligence community has specifically stood by," said Sen. Carl Levin, D-Mich., chairman of the Armed Services Committee.

Despite lingering questions over her public comments after the Benghazi attack, Rice has emerged as the top candidate on a short list of possible successors to Clinton, with Senate Foreign Relations Committee Chairman John Kerry, D-Mass., seen as her closest alternative.

The strong statements from the three senators clouded Rice's prospects only two days after Republican opposition seem to be softening. Rice planned meetings on Wednesday with Sen. Bob Corker of Tennessee, who is in line to become the top Republican on the Foreign Relations Committee, and Sen. Susan Collins, R-Maine.

Corker said Tuesday that he had concerns with a possible nomination.

"When I hear Susan talk she seems to me like she'd be a great chairman of the Democratic National Committee," Corker said. "There is nobody who is more staff supportive of what the administration does. That concerns me in a secretary of state."

A senior Senate aide said the administration was sounding out moderate members of the Foreign Relations Committee, such as Corker and Sen. Johnny Isakson, R-Ga. Assessing the prospects for Rice before Obama makes any announcement would avoid the embarrassment of a protracted fight with the Senate early in the president's second term and the possible failure of the nominee.

On talk shows the weekend following the attack, which took place on the 11th anniversary of 9/11, Rice was given talking points that described the attack as a spontaneous protest of the film, even though the Obama administration had known for days that it was a militant assault.

Republicans called her nomination doomed, leading to a vigorous defense of her by Obama in his first postelection news conference. Since then, GOP lawmakers have appeared to soften their views. McCain, who said earlier this month that would he do everything in his power to scuttle a Rice nomination, had said Sunday that he was willing to hear Rice out before making a decision.

Rice, who at 48 is relatively young, has been known to covet the job for years, but was passed over for Clinton in 2009.

Several diplomats currently serving with Rice said that what she lacked in Clinton's star power, she could make up with a blunter approach that demands attention and has marked her tenure thus far at the United Nations.

___

Associated Press writers Matthew Lee in Washington and Edith M. Lederer in New York contributed to this report.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/89ae8247abe8493fae24405546e9a1aa/Article_2012-11-27-Cabinet-Rice/id-20649d4c40e3462bba222d4c0cfc1338

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More Online Marketing Advice That Will Maxmize Your Profits ...

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Marketing on the Internet is essential to any business today that wants to be successful. Anyone doing business online can not afford to ignore it. You can make sure your firm maintains a strong Internet presence by taking advantage of these hits and using the art of Website marketing.

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RI officers probed for making kids do pushups (Providence Journal)

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

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Exercise to Fight Childhood Obesity | Childhood Obesity Prevention

Raise a Smarter, Healthier Child
America?s fight against childhood obesity starts in your own home

EXERCISE MAKES YOUR CHILD SMARTER

The fitter children are, the better their brains work. That?s hard science from researchers at the University of Illinois at Urbana-Champaign, who tested elementary-school students.

Physically fit kids had greater P3 amplitude, a measurement of brain activity related to memory and focus, and faster P3 latency, meaning they were able to process information faster. ?Parts of your brain don?t develop until the late teenage years,? says Charles H. Hillman, Ph.D., the study?s lead author. ?These data show that those who are fit are better able to use what they have.?

The number of students taking phys ed fell 30 percent in the past 10 years. Read the Men?s Health special report on The 7 Ways to Reform America?s Physcial Education

Elementary-school students may have the most to gain from physical education. In a review of 44 studies examining the relation-ship between physical activity and cognition in children of varying ages, researchers at Arizona State University found that the youngest kids (grades one through five) improved cognitive development the most, followed by middle-school students.

The California Department of Education found that the fittest students in the state scored best on academic tests. For instance, the average reading score of students who achieved one of six goals on the statewide fitness evaluation was 38; students who achieved all six fitness goals averaged a reading score of 52.

At Arrowhead High School, organized exercise helped Corey Wise organize his schoolwork. ?I started taking as much time with my homework as I did with my workout,? he says. Class became fun, and it showed in his grades. Your child may benefit from planned activity, too.

3 WAYS TO HELP YOUR KIDS EAT BETTER

Promise Academy, a charter school in Harlem, New York, closed its doors to vending machines and food brought in from outside. It serves only healthy food. Until your school does the same, it?s up to you to take control. Use these simple strategies to help your kids eat healthfully.

1. Enroll in a cooking class

And involve the kids. Children who learn about cooking learn about food. ?Cooking classes open your mind to a variety of different ways to prepare healthy food,? says Andrew Benson, head chef at Promise Academy. Benson offers a cooking class for parents and students; the children aren?t the only ones who develop healthy habits. ?Parents become interested in learning how to change their diets and their lives,? he says. Go to cookingschools.com to find a class near you.

2. Make friends with a farmer

?If you go to a farmers? market, they?ll usually give advice on how to prepare the foods,? says Benson. Fresher food is more nutritious food. And the closer a child is to the source of food (visit a farm if you can), the more interested he or she will be in nutrition. That?s crucial ? because even children who consume excess calories have nutrient deficiencies. Canadian researchers found that 87 percent of kids don?t get enough vitamin E, 28 percent lack magnesium, and 45 percent miss out on vitamin D. And a study in Pediatrics found that more than 60 percent of kids are calcium deficient, which, along with a lack of exercise, may have caused a rise in bone fractures.

3. No more soda

Stock up on milk and bottled water (if your tap water doesn?t taste good). Kids get more than 50 percent of their beverages at home. When researchers at Children?s Hospital Boston sent bottled water to families to replace their sugary drinks, kids lost about a pound a month. And a study in the journal Pediatrics found that overweight preschool children are twice as likely to remain overweight if they drink sugar-sweetened beverages. Note that 100 percent juice is okay ? it supplies fiber and key nutrients.

BY THE NUMBERS

29: Percentage of kids who take no physical-education class at all

8: Percentage of schools that meet nationally recommended exercise requirements

45: Percentage of kids who are overweight or obese

Source: http://www.childhoodobesitydeerpark.com/?p=472

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Redknapp mulls move to sign Beckham for QPR

Associated Press Sports

updated 2:42 p.m. ET Nov. 25, 2012

LONDON (AP) -New Queens Park Rangers manager Harry Redknapp is considering making a move to bring David Beckham to the London Premier League club.

The 37-year-old former England captain is leaving the Los Angeles Galaxy after six seasons next month in search of a new challenge.

Redknapp told the BBC he's sure Beckham "could still play in the Premier League," adding: "I've not discussed it with the chairman so we'd have to look at that."

In 2011 Beckham trained during the Major League offseason with Tottenham, which Redknapp was managing at the time.

A day after being hired by QPR, Redknapp said Sunday that Beckham "could still be a great asset to anyone. Just having him round the place, showing people how to train and look after yourself."

? 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

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Chelsea is held 0-0 by Man City

Rafa Benitez endured a hostile reception and gave the restless Chelsea fans nothing to cheer about as his first match in charge ended in a drab 0-0 draw with Manchester City on Sunday.

Source: http://nbcsports.msnbc.com/id/49954444/ns/sports-soccer/

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Auburn fires Gene Chizik after 3-9 season

AUBURN, Ala. (AP) ? Gene Chizik led Auburn to perhaps the greatest season in the program's history, and two years later to maybe its worst.

The rapid fall from a national championship to 3-9 and the Southeastern Conference doormat led to Chizik's firing Sunday, the day after a humbling 49-0 loss to No. 2 Alabama that showed just how far the program has slipped.

The Tigers endured the worst slide within two years of winning a national championship of any team since the Associated Press poll started in 1936 and hadn't lost this many games since going 0-10 in 1950. The decision came 17 months after Auburn gave Chizik a contract worth some $3.5 million annually through 2015 with a hefty buyout.

Auburn athletic director Jay Jacobs said he informed Chizik Saturday night that he would recommend to President Jay Gogue the next morning that Chizik not be retained.

He said he had concerns with lopsided losses in 2011 but grew "very concerned in our fundamental approach to the game" after the Arkansas game.

"I had hoped our team would show some improvement this season," Jacobs said. "Unfortunately it didn't. The competition in our league is fierce. I decided we could not risk falling further behind by waiting for another year and hoping for improvement."

The players were informed in a team meeting Sunday.

"I'm extremely disappointed with the way this season turned out and I apologize to the Auburn family and our team for what they have had to endure," Chizik said in a statement released by Auburn. "In my 27 years of coaching, I have gained an understanding of the high expectations in this profession. When expectations are not met, I understand changes must be made."

The Tigers went from 14-0 with a perfect SEC record with Cam Newton leading the offense in 2010 to 3-9 and 0-8, losing their final three league games by a combined 150-21. Auburn was blown out by Texas A&M (63-21) and Georgia (38-0) but the finale was even more painful for Tigers fans.

The Crimson Tide cruised to a six-touchdown halftime lead and the second-most lopsided Iron Bowl victory in history, behind only the Tide's 55-0 win in 1948.

"While we experienced a tremendous low in 2012, I will always be proud of the incredible highs that we achieved, including three bowl victories, an SEC championship and a national championship," Chizik said.

He was 33-19 in four seasons and 15-17 in SEC games.

Auburn said the total buyout for Chizik and his assistant coaches is $11.09 million. Chizik's buyout is expected to total $7.5 million and will be paid in monthly installments for the next four years.

Six assistants are under contract through June 30, 2013 while defensive coordinator Brian VanGorder, offensive coordinator Scot Loeffler and wide receivers coach Trooper Taylor have deals extending another year beyond that.

The buyouts could be reduced if the coaches find other jobs.

Auburn joins Arkansas, Tennessee and Kentucky as SEC teams with job openings showing the huge divide in a league with six teams ranked in the Top 11.

Auburn tight end Philip Lutzenkirchen said players gave Chizik a warm ovation after the team meeting.

"I think we did what he deserved and we gave him a standing ovation and clapped for him," he said. "There's so much love for coach Chizik on this team. Would we have loved to see him get another year, another opportunity? Yes, but at the same time we understand where Jay Jacobs is coming from. Three wins isn't going to cut it in our league."

Defensive tackle Jeff Whitaker said, "It's kind of crazy right now. I had a special bond with Coach Chizik."

Chizik inserted tailback Tre Mason on the final play against Alabama to get him to 1,000 yards. The next day, Mason saw his coach get fired.

"It was a rough day for everybody," Mason said. "It's tough. There are going to be a lot of tears shed because there are a lot of relationships that may be put on hold or come to an end today. I have nothing negative to say about coach Chizik. He's done a lot for me and this program. I wish him the best of luck in his future."

Chizik had sandwiched two 8-5 seasons around the national title, but never approached the success of 2010, when Newton won the Heisman Trophy. The Tigers were 7-17 in SEC games outside of 2010 during his tenure.

His hiring was criticized by some fans after Chizik went 5-19 in two seasons at Iowa State and lost the last 10 games of his first head coaching job.

Jacobs was heckled at the airport after making the hire.

Chizik had been defensive coordinator on unbeaten teams at Auburn and Texas.

A search committee comprised of former Heisman Trophy winners Pat Sullivan and Bo Jackson and former Tigers fullback Mac Crawford will assist Jacobs, the school said.

Jacobs said he wants a proven winner ? not necessarily an experienced head coach ? who follows the rules and stresses academics.

A transition year in 2012 might have been expected.

Chizik had to replace the offensive and defensive coordinators after last season. Chizik made an ill-fated switch from Gus Malzahn's no-huddle, spread offense to a pro-style system with the hiring of former Temple offensive coordinator Scot Loeffler.

The Tigers struggled in the transition, partly because of shaky quarterback play and ended the season with freshman Jonathan Wallace under center.

Auburn ranked at or near the bottom of the SEC in every major statistical category offensively and defensively.

Chizik's tenure was marred by off-the-field problems, too, to the extent that he had employees of a private firm run curfew checks on players this season.

Four members of the 2010 national championship team were arrested on robbery charges in March 2011. Antonio Goodwin was convicted in April and sentenced to 15 years in prison. Dakota Mosley, Michael McNeil and Shaun Kitchens are awaiting trial.

Two-time 1,000-yard rusher Mike Dyer transferred to Arkansas State with Malzahn after being indefinitely suspended before the bowl game.

Freshman quarterback Zeke Pike was arrested in June for public intoxication and later dismissed from the team. Starting center Reese Dismukes was suspended for the opener against Clemson following a public intoxication arrest.

Auburn is also the subject of an NCAA investigation that includes the recruitment of Memphis running back Jovon Robinson, who was ruled ineligible after a guidance counselor admitted to creating a fake transcript.

Chizik's contract includes a clause that it wouldn't owe the buyout money if he is fired for cause, including findings of major rules violations or significant or repetitive violations" involving him or his program.

Chizik and Auburn have weathered past NCAA scrutiny. The governing body closed investigations into the recruitment of Newton and allegations from four former players that they were paid thousands of dollars during their college careers.

"I've got the utmost confidence in our NCAA compliance," Jacobs said. "Basically it boils down to winning and losing. Winning three games is unacceptable."

Source: http://news.yahoo.com/auburn-fires-gene-chizik-3-9-season-192037021--spt.html

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Um, uh, so, yeah, about that...

Hey WaltJRimmer, Welcome to RPG!

There is no need to feel intimidated or alone. We have all different levels and styles of role-players here, I'm sure you'll be able to find your niche. I hope you also find that we are the welcoming and friendly community we strive to be.

I found this site a little confusing to navigate when I had first arrived, so let me point you in some directions. These are the two forums, outside of actual roleplays, that I spend most of my time browsing:

Interest Checks - Whether searching for a one-on-one partner, or seeking people to help you make an idea a reality, this is a place to find collaborators.

Roleplayers Wanted - If the roleplay has already been created and you're seeking writers to fill roles, this is where you would post.

Of course, you could always type in a genre in the search bar at the top. While you're up there, you can take a look at the select few Rules we have. If you have anymore questions, feel free to ask!

Best of luck! :)

Source: http://feedproxy.google.com/~r/RolePlayGateway/~3/LX9VgVa2yEo/viewtopic.php

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TEN BIGGEST PROBLEMS IN LOVE RELATIONSHIPS AND HOW ...

10 biggest problems in a LOVE relationship and how to FIX THEM

Relationships are one of the first things that all of us take for granted.

We don?t want to take it for granted.

But yet, we forget how much something really matters to us when we don?t stand to lose it.
And it usually takes losing something to realize its importance and value.

Wondering what the big problems in a relationship are, and what you can do to overcome it?

Problems in a relationship
Depending on the kind of relationship you share with your partner, the problems in a relationship too could be just as unique.

But almost always, all problems in a relationship find their place in ten big areas.

At some point or the other, these problems have a way of creeping into your romance.
Keep an eye on these issues, and understand how to overcome it, and you?ll see how easy it can be to eliminate all the frustrations you experience in a relationship.

10 big problems that need your attention
Remember this, you can?t stop problems from cropping up in a relationship no matter how perfect the relationship is. What you can do instead, is eliminate the frustration as soon as you notice them.

1. Lack of communication. At the start of the relationship, conversations are exciting and fun. Both of you spend a lot of time getting to know each other. But as time goes by, lovers forget to ask the same questions again.

We?re all changing all the time, in our preferences and the way we look at life. Don?t assume you know everything about each other or your romance will start to stagnate, or one of you will start to confide in some other person who seems more understanding.

2 .Trust. Do you really trust your partner? There are two kinds of trust in a relationship. Firstly, do you trust your partner enough to feel comfortable with them going out for dinner with someone else? If you don?t, perhaps, you?re insecure or your relationship is still too fragile.

And secondly, do you trust your partner?s decisions? Do you think your partner is capable of making important decisions for the both of you? If you can?t trust your partner with life altering decisions, it?s obvious that you don?t respect your partner or their opinions. And that?s never a good sign in a long term relationship.

3 .Jealousy and insecurity. Insecure couples are forever locked in a cycle of jealously and anger. When you feel jealous about the attention your lover?s getting or their recent promotion, you?re not helping them become a better individual. It?s like a parent who?s angry with their child because the child is having ?too much fun?.

You need to learn to have faith in each other and in the relationship. Instead of letting negativity build inside the relationship, learn to enjoy each other?s successes. After all, your partner is your better half, and any accomplishments of theirs are your accomplishments too, isn?t it?

4. Incompatibility in love. Love at first sight and infatuation can last several months. And it does a good job of masking any differences in a relationship. As perfect as two people may be, sometimes, they may just not be perfect for each other.

If you find yourself dating someone with whom you have nothing in common, you need to decide on the next step. Try to find common interests that both of you like, or walk your own paths instead of living in frustrations.

5. Loss of sex drive. This isn?t rocket science. Over time, both of you are bound to lose the sexual urge of the first few months or years of a relationship. While both of you may have a hard time keeping your hands off each other to begin with, now sex may start to feel like a chore.

This is a very common problem in relationships, and yet, it?s one of the easy ones to solve. Always look for new ways to recreate the sexual high of the first few times, and before you know it, both of you may go at it all over again like frisky bunnies

6. Ka ching! Anyone in a relationship for long enough will know just how important money or the lack of it really is. If your friends earn a lot more than you or your partner, it?ll end up frustrating both of you. And on the other hand, if both of you earn a lot more than your friends, there?ll be a lot of love and happiness in your lives.

It?s a stupid fact of life. But our own happiness is extremely dependent on the way others perceive us. If you?re having difficulties in your relationship because of money, perhaps it?s time to change your friends and see the difference.

7. Change in priorities. You may be in a relationship, but that doesn?t change who you are. And that?s where the problem starts. As individuals, we evolve and change all the time. You?re not the person you were last year, and you won?t be the person you are now next year.

And just like you, your partner too is changing constantly. And every now and then, you and your partner may experience changes that will pull both of you apart from each other. And soon enough, both of you may have nothing in common. Spend enough time with each other and try to evolve together in a similar direction. Talk about your beliefs and your interests with each other and it?ll help both of you grow together along the same path.

8 Time. Do both of you have enough time to spend with each other? These days, time is a luxury that most lovers can?t afford. When you start spending too much time away from each other, it?s only a matter of time before one of you starts asking the big question, ?Do I need my partner in my life anymore??

Don?t drift away so far that both of you don?t need to be with each other anymore. Find ways to indulge in exciting hobbies or spend evenings going out on little coffee or ice cream dates. They make for great conversations and it?ll bring both of you closer too.

9 .Space and individual growth. Now this is contradictory to the earlier problem in relationships. But it?s still something to watch out for. Too much of a good thing can turn out to be bad too. When you?re in a relationship, spending time with each other is very important. But at the same time, spending time away from each other is crucial too.

By spending too much time together, you?d subconsciously feel isolated from the rest of the world. And when that happens, you?d crave for any attention from other interesting people just to feel better about yourself and your ability to communicate. And you know what could happen when that happens, right

10. Are you still in love? This is the biggest problem in a relationship, and one that?s hardest to overcome. Falling in love is easy. Staying in love isn?t. Love is a delicate balance between dependency and passion. How much do you need your partner? How much do you love and want your partner?

When the sexual excitement and the enthusiasm fade away, what do you have to hold both of you together? A relationship should never be based on sex alone. It needs compatibility and understanding, and it definitely needs dependability. Staying in love forever is not easy, but with a little effort, it can give meaning to your life..

Love punky

Source: http://jamaicangroupiemet.com/2012/11/ten-biggest-problems-in-love-relationships-and-how-to-fix-them.html

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Hezbollah says it would hit Tel Aviv in future war

BEIRUT (AP) ? Lebanon's Hezbollah group would fire thousands of rockets into Israel in any future war and target cities in the country's heartland, the group's leader said Sunday.

Sheik Hassan Nasrallah's warning came days after an eight-day Israeli offensive against Gaza ended with a truce. Nasrallah said Gaza militants had won "a clear victory" against Israel with their rocket bombardment.

Hezbollah, like Hamas and other Gaza militant factions, maintains a rocket arsenal and regularly threatens to use it. It fought an inconclusive 34-day war with the Jewish state in 2006 that left 1,200 Lebanese and 160 Israelis dead.

The Gaza war marked the first use by Palestinian factions of a longer ranged Iranian-made rocket, the Fajr-5. It caused no casualties but did trigger air raid warnings in the heartland cities of Tel Aviv and Jerusalem, which, unlike cities closer to the Lebanese and Gaza borders, have not experienced any sustained missile attack since Iraqi Scuds were fired in the 1991 Gulf War.

Hezbollah fired at least one long-range rocket ineffectually in the 2006 war. But Israeli intelligence now believes the militant group has the capability to strike anywhere in the country, although Israel now deploys air defense systems designed to counter the threat.

In the Gaza conflict, Israeli aircraft launched some 1,500 strikes on targets linked to the Palestinian territory's Hamas rulers and other groups, while Gaza militants fired roughly the same number of rockets into Israel.

Nasrallah said in a speech in Beirut that the Fajr-5 attacks "shook Israel." He asked: "How is it (Israel) going to stand thousands of rockets that will fall on Tel Aviv and other areas if it launches an aggression against Lebanon?"

Nasrallah spoke via a video link from a secret location to tens of thousands of supporters in Beirut who gathered to mark Ashoura, the annual Shiite commemoration of the 7th-century death of Imam Hussein, the Prophet Muhammad's grandson.

Hezbollah fired nearly 4,000 rockets at Israel during the 2006 war and is believed to have upgraded its arsenal since then. Nasrallah did not say how many missiles and rockets his group possesses, although in the past he said they have more than 20,000. Israel estimates the number at several times that.

"The battle with us is going to be all over occupied Palestine," the black-turbaned Nasrallah said. "From the border with Lebanon to the frontier with Jordan to the Red Sea."

"The Israelis should listen well to me. From Kiryat Shemona to Eilat," Nasrallah said referring to a northern Israeli town near the border with Lebanon to the southern resort town of Eilat on the Red Sea.

Since the 2006 war ended, both Israeli and Hezbollah officials have been warning each other that the next battle between the two groups will be more destructive.

Some Israeli generals had spoken of the "Dahiya doctrine," named after the Beirut suburbs considered a Hezbollah stronghold where Israel turned dozens of buildings to piles of debris in 2006.

In August, Nasrallah said Hezbollah will transform the lives of Israelis to "hell" if Israel attacks Lebanon, adding that the group would not hesitate to hit targets that would leave tens of thousands of Israelis dead.

Hezbollah was created in 1982, weeks after Israel invaded Lebanon. Israel withdrew in 2000 to a border drawn by the U.N., but Lebanon says Israel still occupies a slice of its territory.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2012-11-25-ML-Lebanon-Israel/id-65f49fc7945a4b5b80b0bd7b41fff2d6

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NHL Lockout 2012: Regular-Season Games Canceled Through Dec. 14, All-Star Game

-- More than a third of the NHL regular season and two of its marquee events have now been called off.

The league announced its latest round of cancellations on Friday ? Day 69 of its labor lockout. All games through Dec. 14 were wiped out, and this time All-Star Weekend, scheduled for Jan. 26-27 in Columbus, Ohio, was lost, too. The New Year's Day outdoor Winter Classic already was scratched.

NHL Deputy Commissioner Bill Daly said losing the All-Star festivities is "extremely disappointing."

"We feel badly for NHL fans and particularly those in Columbus, and we intend to work closely with the Blue Jackets organization to return the NHL All-Star events to Columbus and their fans as quickly as possible," Daly said in a statement Friday.

The Blue Jackets said fans holding tickets to the game, the skills competition, and other events during that weekend could receive refunds.

Brian Jack, a 35-year-old IT director who grew up in Pittsburgh, moved to Columbus 17 years ago and converted from a Penguins fan to a Blue Jackets supporter after the expansion team hit the ice.

"We knew the All-Star Game, the longer it went, was probably going to be one of the first special events they cancelled," said Jack, a season-ticket holder for all of the Blue Jackets' 12 seasons.

"You knew it was coming, but I hoped that they would get together and fix it (labor problems) up. For season-ticket holders who have watched the Blue Jackets struggle for a number of years with the product on the ice, the All-Star game was supposed to be a bright spot. Now that's gone."

A lockout in the 1994-95 season shortened that campaign to 48 games. A similar scenario could play out this time if the sides can find some common ground. Or the whole season could be lost, as it was in 2004-05.

The new cancellations come as little surprise. Owners and players had an unproductive negotiating session on Wednesday that produced no movement to break an impasse over splitting more than $3 billion in revenue and also player contracts.

"All players felt that this week would lead to something," Detroit Red Wings defenseman Niklas Kronwall wrote in an email to The Associated Press. "However as of today unfortunately that doesn't seem to be the case. It's very disappointing."

Daly said he spoke to union officials on Friday, advising them about the cancellations, but at this point no face-to-face talks are scheduled. The possibility exists that Daly will speak to union special counsel Steve Fehr by telephone this weekend, but even that isn't certain.

The sides had stayed apart for eight days before reconvening on Monday night and then again on Wednesday when the union presented a comprehensive proposal the NHL requested. Players' association executive director Donald Fehr said Wednesday that the sides were closer financially than the NHL has claimed. The further cancellations Friday will cause significantly greater losses for the league.

"On Wednesday, the players presented a comprehensive proposal, once again moving in the owners' direction in order to get the game back on the ice," Donald Fehr said in a new statement. "The gap that remains on the core economic issues is $182 million. On Wednesday, NHL Commissioner Gary Bettman said that the league is losing $18-20 million per day during the lockout, therefore two more weeks of cancelled games far exceeds the current economic gap.

"It makes the NHL's announcement of further game cancellations, including the 2013 All-Star Weekend, all the more unnecessary, and disappointing for all hockey fans ? especially those in Columbus. The players remain ready to negotiate but we require a willing negotiating partner."

The union made its offer that was based on a framework the NHL had given, which included a 50-50 split of hockey-related revenue and a $393 million in deferred payments for the players, who earned 57 percent of revenues in the collective bargaining agreement that expired in September. The NHL offered only $211 million to the players in a proposed deal that took into account that a full 82-game schedule would be played this season.

Players previously had proposed they receive a guaranteed amount of income each year.

Management wants a seven-year deal, which the union says is too long because fewer than half the current players will be active by the last season.

___

AP Sports Writers Rusty Miller and Larry Lage contributed to this report.

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Source: http://www.huffingtonpost.com/2012/11/23/nhl-lockout-2012-all-star-game-cancelations_n_2180954.html

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