Arbitrator: Quinn, Corrections violated union contract

Two major Illinois prisons that Gov. Pat Quinn wanted shuttered by Friday will stay open at least another month after an arbitrator ordered the administration to properly negotiate with state workers over the impact of the closures.

Arbitrator Steven Bierig found that the state departments of Corrections and Juvenile Justice violated the contract with the American Federation of State, County and Municipal Employees and ordered the two sides to reach an agreement on ground rules for the shutdowns.

Noting the state?s budget crisis ? the reason Quinn wants the facilities closed ? Bierig decreed an arrangement be reached within a month.

?The fact that I have determined that the parties must conclude negotiations prior to a facility closure does not mean that the union can act unreasonably in attempting to extend negotiations so as to avoid the closure,? Bierig wrote in his ruling.

Quinn says the state cannot afford to continue operating the supermaximum-security Tamms prison, the women?s penitentiary at Dwight, several halfway houses and juvenile detention centers in Murphysboro and Joliet. Lawmakers disagreed, providing money in the budget to keep them open, but Quinn cut it with a veto.

AFSCME sued when Corrections started moving highly dangerous inmates from Tamms to the Pontiac Correctional Center in early August. The judge appointed the arbitrator to sort things out.

?There is no rationale for closing these facilities,? AFSCME executive director Henry Bayer said in a statement. ?They were fully funded by the legislature, which recognizes that closing them would destabilize the entire prison system, worsen dangerous overcrowding and put the safety of employees, inmates, youth and the public at risk.?

Quinn?s office did not immediately comment.

At issue is a portion of the union contract that requires that the government negotiate the ?impact? of state facility closures within 60 days of a shutdown announcement.

Bierig said management has a right to close facilities and the union has a right to negotiate their impact, but decided that the contract language meant negotiations must conclude before the doors are shut.

The union filed another grievance that mixing volatile Tamms inmates with the rest of the prison population and worsening the system?s crowding by also closing Dwight would violate a health and safety clause of the contract. Bierig sidestepped that issue, saying he didn?t need to decide it while negotiations had not concluded.

Source: http://www.sj-r.com/carousel/x1547503283/Arbitrator-Quinn-Corrections-violated-union-contract

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Debt crisis: as it happened - August 30, 2012

With that, we're shutting up shop on Debt Crisis Live for today. Thanks for reading and commenting.

18.14 Portugal has today kicked off the privatisation of its national ANA airport authority in accordance with the country's 2011 EU-IMF bailout agreement.

The cabinet has approved the law privatising ANA, which operates the airports in Lisbon, Porto, Faro and the Azores archipelago.

A government spokesperson said the privatisation "will be done through a direct sale to one or several national or foreign investors" as well as through a public offering of five percent of the capital "exclusively reserved to company employees".

17.51 This afternoon, the International Monetary Fund has reiterated its support for Greece ahead of next week's return of international inspectors overseeing its progress under the bailout programme. Gerry Rice, an IMF spokesman, told a regular briefing:

QuoteThe IMF is supporting Greece, has been supporting Greece and continues to support Greece in its efforts to overcome the economic crisis.

"And that's again precisely what the mission will be discussing with the Greek authorities" when the delegation from the IMF, the European Union and the European Central Bank returns to Athens "next week," he added.

The duration of the visit will depend on the progress in discussing what more needs to be done "to return Greece to the path of sustainable growth," he said.

17.13 Mats Persson, director of Open Europe, has blogged for the Telegraph this afternoon on the question of "will Spanish depositors kill the euro?" Here's a taster:

There?s a school of thought out there that Spanish depositors will determine the fate of the euro. The theory is simple: if or when Greece exits the euro, Spanish depositors will panic. Seeing that it?s possible for countries to leave the single currency ? previously a no-go ? Spanish depositors will rush to empty their accounts. Spanish banks, and therefore the Spanish state, won?t survive the night. Default and a euro exit become inevitable, leading Italian depositors to go through the same drill. The euro will come crashing down.

This line of thought is popular in senior political circles in the UK for example, which partly explains why some senior British politicians call on the ECB, EFSF, ESM ? and all other forms of quick money ? to "stand behind the euro", in order to keep Greece inside at any cost. But is this analysis right?

16.59 The euro has weakened against the dollar in afternoon trading, slipping to around $1.2503. Traders cited some corporate buying of the dollar.

16.34 Meanwhile, in Estonia, the parliament approved the eurozone's permanent rescue fund. Politicians voted 59 to 34 to ratify the European Stability Mechanism.

Ahead of the vote, Jaanus Tamkivi, the parliamentary head of the senior ruling party, the Reform Party, said:

QuoteI certainly won?t agree with those saying that after today?s vote, Estonia will hemorrhage money. Still, I also don?t agree with those saying the guarantees we are providing now can?t ever materialise. But we have to be optimists.

16.30 Slovakia's prime minister has been speaking today about the future of the eurozone and he reckons there is a 50-50 chance of the currency bloc breaking up. Robert Fico said:

QuoteI am worried about a eurozone collapse, of course. It will depend on how we handle the situation in some countries like Greece and Spain. It also depends on how individual eurozone countries react to documents that concern strengthening European integration... I see a eurozone breakup as realistic as holding together, 50 to 50.

15.40 Another chinwag in the offing. European leaders are set to hold an extra summit in the second half of the November to discuss the EU's next long-term budge (in Brussels, this goes by the snappy title of a "multiannual framework" and usually covers a seven-year period). They will also meet earlier on October 18-19, but officials have said that those discussions are likely to be dominated by the debt crisis.

14.55 Mr Rajoy is asked once again if Spain will ask Brussels for a full-scale international rescue. He replies:

QuoteIn the same way as when we asked for the help for the financial sector because we thought it was good for Spain, so that credit recovers and so that there would be economic growth and jobs, when its known exactly what?s on offer, I will take a decision.

14.41 Speaking of Mr Draghi, it looks like he has a lot on his plate next week, so much so that he's had to cancel another appearance at the European Parliament.

Mr Draghi was due to participate in a public debate with Olli Rehn, the European Union commissioner for economic affairs and Michel Barnier, the commissioner for financial services, but will now address legislators behind closed doors at a shorter hearing on Monday, according to a spokesman.

On Tuesday, Mr Draghi said he would will not attend the US Federal Reserve's Jackson Hole gathering of central bankers later this week due to a heavy workload. The ECB meets to decide interest rates next week. It has also been creating plans to buy-up the debt of struggling nations.

14.35 Mr Hollande says large differences in borrowing costs between eurozone countries can justify ECB intervention, but it's up to the central bank to decide how it will act, and that he does not wish to make the task for Mr Draghi even harder. He said:

Quote The ECB's mandate includes price stability and monetary policy. When you see such wide gaps in yields, that could be a justification for an intervention in the name of monetary policy.

14.32 Mr Rajoy adds:

14.24 It will be difficult for Spain to comply with its deficit goals (it will have to cut its public deficit by 2.6pc of GDP in one year), but the government will achieve its targets, says Mr Rajoy. He adds that the government will do its best to pass the 2013 budget without raising taxes.

Spanish Prime Minister Mariano Rajoy and French President Francois Hollande give a press conference after their meeting at the Moncloa Palace in Madrid on Thursday (Photo: AFP).

14.22 A few lines from the press conference, courtesy of those multi-lingual folk at Open Europe:

14.14 A press conference held by French and Spanish leaders Francois Hollande and Mariano Rajoy has started. You can watch it live here.

Mr Rajoy begins by saying that the pair discussed the steps Europe must take to tackle the debt crisis. The pair will meet again on October 10 for another jaw-jaw ahead of a crucial EU summit on October 19, he adds.

14.05 Shares in state-owned lender Hellenic Postbank were suspended this afternoon, a day after finance minister Yiannis Stournaras told a parliamentary committee that bank "had been judged unviable".

Mr Stournaras' admission sent the shares plunging almost 30pc on Thursday morning.

The shares were suspended after the company said it would be "unable to release the annual financial report for the fiscal year 2011 on time," according to a stock exchange statement.

The response by its workers? More strikes.

The union that represents Hellenic Postbank workers said in a statement that it had called a new 24-hour strike in protest against the Greek finance ministry?s decision to not to give the bank an extension to report earnings.

13.48 Francois Hollande has been holding talks with Spanish PM Mariano Rajoy in Madrid today. The pair are expected hold a press conference this afternoon.

Spanish Prime Minister Mariano Rajoy and French President Francois Hollande take a walk before their meeting at the Moncloa Palace in Madrid on Thursday (Photo: Reuters).

13.20 Greece may have avoided a bail-out if tax dodgers had not "robbed" the country of the crucial income needed to invest in areas such as education, according to former PM George Papandreou.

Mr Papandreou (pictured, below) said more measures were needed to tackle tax evasion. Speaking at the opening of a Socialist International conference, he said:

QuoteWhether it is in developed or developing nations, it is our citizens that are being robbed

I know this, Greece is suffering from this. Had this alone been tackled, Greece would have most likely never have needed a bail-out.

Yet Europe, the G8, G20, the banking system despite my pleas as prime minister, despite token reference in our council of G20 decisions, have done nothing to change this.

Last month, campaign group Tax Justice Network estimated that the world's wealthiest individuals had stashed $21 trillion (?13 trillion) worth of assets in tax havens such as Swizerland and the Cayman Islands.

13.07 The bill for bailing-out Spain's regions just keeps on rising. A spokeswoman for the region of Valencia told AFP that it will ask for a rescue of more than ?4.5bn (?3.6bn) from the central government.

Yesterday, a spokesperson told Bloomberg that Valencia would need "at least ?3.5bn" to rebuild its balance sheet.

Spain has set aside ?18bn to help struggling regions to pay their bills on time. Valencia said yesterday that it would also need money to settle bills from previous years.

12.10 Time for a quick market update.

Traders are remaining cautious on the eve of a speech from Federal Reserve chairman Ben Bernanke in Jackson Hole. The FTSE 100 in London is currently trading flat, at 5,731.45, while the CAC 40 in Paris has fallen 0.5pc to 3,295.36 and the IBEX 35 index in Madrid is down 1.14pc at at 7,222.6.

12.00 Meanwhile, Greece's prime minister Antonis Samaras (above) has told his countrymen that Greece would effectively exit the euro and crumble without the next round of spending cuts, due to be implemented in 2013-14.

"Many of these cutbacks are difficult, painful," Samaras said. "But they are also inevitable. For without them the country would return to zero credibility and effectively leave the euro. Which would ... destroy the country."

The next package of spending cuts will be the last. "The Greek economy can take no more," said Samaras.

11.41 The German economy would shrink by around 10pc if the euro collapsed, according to a key government adviser.

Lars Feld, one of the five "wise men" of Germany (one of them is a woman, by the way), told a meeting of journalists on Wednesday:

QuoteWhen a good part of the claims [recent estimates by the group suggest Germany's gross claims from the eurozone atood at about ?3.5 trillion] would go in default, there would be insolvencies in small and medium-sizes firms and the economy would be hit. This drop could amount to between 7pc and 10pc of [German] gross domestic product.

A Greek exit on its own could also cause widespread damage, because of the risk of contagion, he said, adding that Europe had very few tricks up its sleeve when it came to resolving the crisis. "Many of them are not especially pretty," he said.

11.29 Speaking in Austria, European Commission President Jose Barroso said that the ECB will do whatever is necessary to keep the euro going, reiterating what many European leaders have said in recent months.

?We need to sustain the euro and I have no doubt we are going to do it,? Barroso said.

Barroso also hit back at eurozone critics, telling his audience in Austria that the the idea of a euro exit undermines the european project.

"We need to sustain the euro and I have no doubt we are going to do it,? he said.

Mr Barroso also hit back at eurozone critics, telling his audience in Austria that the the idea of a euro exit undermines the european project. (Photo: AP).

10.48 Analysts said that the auction result suggested that traders are still nervous about holding Italian debt. Nick Stamenkovic at RIA Capital Markets, said:

QuoteThe good news is that they've managed to meet their target. Reception to the 10-year is OK but hardly spectacular.

The fact that with all the speculation about what the ECB is going to do, yields are only 14 basis points lower than at the end of July suggests that investors are still demanding quite high risk premiums to hold Italian debt.

Domestic investors are more than happy to buy short-term debt [...] but overseas investors still require significant premium to be attracted to the longer end. On the back of this news the curve may start to steepen.

10.37 Italy has got a crucial debt auction away this morning, where it has managed to sell long-term debt at slightly lower rates.

The country sold ?4bn (?3.1bn) of ten-year government bonds at average yields of 5.82pc. This compares with 5.96pc in July and is the lowest interest rate since the end of March. Demand was also stronger, with 1.42 bidders for every bond on offer, compared with 1.29 bidders at the last auction.

It also sold ?2.5bn of five year debt at average yields of 4.73pc. This compares with 5.29pc in July.

10.35 European business confidence fell to its lowest level in three years in August, with retailers and construction managers feeling particularly downbeat.

The European Commission's Economic Sentiment Indicator (ESI) for the eurozone fell to 86.1 in August, from 87.9 in July. This is well below the long-run average of 100, and less than the 87.5 forecast by analysts in a Bloomberg poll.

The wider EU measure fell to 87 in August, from 89 in July.

In a statement, the EC said:

QuoteIn both areas, the loss in confidence was particularly strong among consumers, retail trade and construction managers. In the services sector the loss in confidence was marked in the euro area but more contained in the EU as a whole. On the contrary, while confidence in industry decreased in the EU, it remained broadly stable in the euro area.

10.08 More comments are coming out of Beijing, where China has said that it may be willing to buy-up more European debt to support the struggling region. Mr Wen said:

QuoteChina is willing, on condition of fully evaluating the risks, to continue to invest in the euro zone sovereign debt market, and strengthen communication and discussion with the European Union, the European Central Bank the IMF and other key countries to support the indebted euro zone countries in overcoming hardships.


Angela Merkel and Wen Jiabao (right) talk with Germany's foreign minister Guido Westerwelle (left), and economy minister Philipp Roesler (second left)

09.58 Philipp Roesler, the German economy minister who claimed last month that a Greek exit from the eurozone had "lost its terror," has repeated his comments in an interview today, declaring that he had no reason to change or withdraw his remarks.

Mr Roesler told German daily Die Zeit: "I have no reason to change my statements or even withdraw them". Other MPs' comments had been even more "dangerous" than his, he added.

Mr Roesler, who has long voiced concerns over Greece's ability to meet its austerity targets, reiterated that if Greece did not deliver on its promises, it would receive any more bail-out cash.

"Anyone who breaks promises, can get no more money," he said.


Philipp Roesler stands by his comment that a Greek exit from the eurozone has "lost its terror" (Photo: AFP).

09.40 Commenting on the rise in joblessness, Carsten Brzeski, of ING, said the figures are a clear sign that the days of a strong, esilient German labour market are over.

"The most alarming signal from today's report is the fact that the non-seasonally adjusted monthly increase is the highest August increase since 1993," he said. "A clear signal that the best times of the German labour market are over.

"The strong labour market has been one of the main drivers of German growth in the first half of the year. Low unemployment, record high employment and wage increases supported private consumption and helped cushioning the industrial slowdown.

"Looking ahead, however, it is doubtful whether private consumption can really take over the baton as main growth driver for the German economy."

09.30 Back home in Germany, there's disappointing news for Merkel as the latest joblessness figures reveal the number of people out of a job rose for a fifth month in a row in August. The increase was slightly greater than expected, at 9,000, taking the total number out of work to 2.9m.

The figures are sobering reminder that even Europe's strongest economy is suffering as a result of the eurozone crisis.


The number of people out of a job in Germany rose for a fifth month in a row in August (Photo: ALAMY).

08.53 Angela Merkel may be far away in China, but the rumours continue in Europe. Following her meeting yesterday with Mario Monti, reports in the Italian media suggest that she wants the Italian PM to adopt a wait and see approach when it comes to a potential bail-out.

Government officials told Italian daily Corriere della Sera that Mrs Merkel thinks that Italy and Spain should wait and see what effect the bail-out of Spain's battered lenders will have on markets before requesting aid.

08.50 It's been a busy morning for Merkel, who's clearly been working the room. In the first of several big deals agreed, Airbus Industries committed to invest $1.6bn (?1bn) in an aircraft final assembly plant in Tianjin, Wen's hometown. While Volkswagen, the biggest car manufacturer in Europe, signed a $219m deal to invest in an eco-friendly production plant.

In a further agreement, 50 Airbus A320 jetliners valued at $3.5 billion will be bought be a state-owned Chinese company. The two leaders also agreed to do an increasing amount of their trade in euros and yuan.


50 Airbus A320 jetliners valued at $3.5 billion will be bought be a state-owned Chinese company (Photo: EPA).

08.23 During the talks, Merkel reiterated that the eurozone has an "absolute political will" to stabilise the single currency.

08.11 The global jaw-jaw continues. This morning, German Chancellor Angela Merkel met Chinese Premier Wen Jiabao for talks in Beijing.

This is Mrs Merkel's second visit to China this year, and she is accompanied by the biggest German delegation to visit the country.

In a press conference following the meeting, Mr Wen said that fears over a Greek eurozone exit remained his primary concern. He said:

QuoteThe main worries are two-fold: first is whether Greece will leave the eurozone. The second is whether Italy and Spain will take comprehensive rescue measures: resolving these two problems rests with whether Greece, Spain, Italy and other countries have the determination for reform.

German Chancellor Angela Merkel and Chinese prime minister Wen Jiabao walk along an honour guard after Merkel's arrival in the Great Hall of the People in Beijing, China, 30 August 2012 (Photo: EPA).

08.05 Europe's politicial and economic leaders clashed yesterday over debt crisis resolutions, underscoring the sense of chaos and disunity between Brussels and the key eurozone economies, writes Louise Armitstead:

At a summit in Berlin, Angela Merkel and Mario Monti publicly stated they disagreed over the role of Europe?s new big bazooka bail-out fund. The Italian prime minister said the European Stability Mechanism (ESM) should have a bank license to be able to properly bring down Club Med borrowing costs. The German Chancellor said the plan was ?incompatible? with EU treaties - and that she was backed by Mario Draghi, president of the European Central Bank,

Meanwhile Mr Draghi launched an attack on Germany: in an article for Die Welt, he argued that the ECB would need "exceptional measures" to curb the crisis and that Berlin?s interpretation of the bank?s mandate was too narrow.

Angela Merkel talks to Mario Monti in Berlin on Wednesday (Photo: Reuters)

08.00 Good morning and welcome back to our live coverage of the European debt crisis.

Debt crisis live: archive

Source: http://telegraph.feedsportal.com/c/32726/f/568312/s/22e83a2d/l/0L0Stelegraph0O0Cfinance0Cdebt0Ecrisis0Elive0C950A70A120CDebt0Ecrisis0Eas0Eit0Ehappened0EAugust0E30A0E20A120Bhtml/story01.htm

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Juan Williams: Ann Romney A 'Corporate Wife' Whose 'Husband Takes Care Of Her' (VIDEO)

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  • Delegates from Kentucky casts their votes for presidential candidate Mitt Romney during the Republican National Convention in Tampa, Fla., on Tuesday, Aug. 28, 2012. (AP Photo/Lynne Sladky)

  • Scott Romney, Rick Snyder.

    Michigan delegate Scott Romney, center with a note pad, and the rest of Michigan delegates react at the Republican National Convention in Tampa, Fla., on Tuesday, Aug. 28, 2012. At right is Michigan Gov. Rick Snyder. (AP Photo/Charles Dharapak)

  • House Speaker John Boehner of Ohio, taps a gavel during the Republican National Convention in Tampa, Fla., on Tuesday, Aug. 28, 2012. (AP Photo/Charlie Neibergall)

  • Fredi Simpson

    Washington state delegate Fredi Simpson cheer during the Republican National Convention in Tampa, Fla., on Tuesday, Aug. 28, 2012. (AP Photo/David Goldman)

  • John Sununu

    Committee on Rules Chairman John Sununu addresses delegates during the Republican National Convention in Tampa, Fla., on Tuesday, Aug. 28, 2012. (AP Photo/Lynne Sladky)

  • Don Genhart

    California delegate Don Genhart fashions his cowboy boots at the Republican National Convention in Tampa, Fla., on Tuesday, Aug. 28, 2012. (AP Photo/Jae C. Hong)

  • Sol Grosskopf

    Wisconsin delegate Sol Grosskopf from Shawano wearing cheesehead talks on the phone during the Republican National Convention in Tampa, Fla., on Tuesday, Aug. 28, 2012. (AP Photo/Charles Dharapak)

  • A delegate from Texas holds up an anti-Obama sign during the Republican National Convention in Tampa, Fla., on Tuesday, Aug. 28, 2012. (AP Photo/Charlie Neibergall)

  • Bryan Daugherty

    With Ron Paul's autograph on his hat, Maine delegate Bryan Daugherty from Bangor looks at his smart phone at the Republican National Convention in Tampa, Fla., on Tuesday, Aug. 28, 2012. (AP Photo/David Goldman)

  • Mick Cornett

    Oklahoma City Mayor Mick Cornett waves to the Oklahoma delegation during the Republican National Convention in Tampa, Fla., on Tuesday, Aug. 28, 2012. (AP Photo/J. Scott Applewhite)

  • Bill Haslam

    Tennessee Gov. Bill Haslam, center, talks to delegates on the floor at the Republican National Convention in Tampa, Fla., on Tuesday, Aug. 28, 2012. (AP Photo/David Goldman)

  • North Carolina delegates cheer during the Republican National Convention in Tampa, Fla., on Tuesday, Aug. 28, 2012. (AP Photo/Jae C. Hong)

  • Bob Fish

    Delegate Bob Fish from Parkersburg, W. Va., pledges at the Republican National Convention in Tampa, Fla., on Tuesday, Aug. 28, 2012. (AP Photo/Charles Dharapak)

  • A volunteer places pamphlets on chairs in Montana's delegation seating area before the start of the Republican National Convention in Tampa, Fla., on Tuesday, Aug. 28, 2012. (AP Photo/Lynne Sladky)

  • Tim Babcock, Tom Hogan

    Former Montana Gov. Tim Babcock, left, Tom Hogan (FL) lead the Pledge of Allegiance during the Republican National Convention in Tampa, Fla., on Tuesday, Aug. 28, 2012. (AP Photo/J. Scott Applewhite) <em><strong>CORRECTION</strong>: A former version of this caption misstated Hogan's title.</em>

  • Texas delegates recite the Pledge of Allegiance during the Republican National Convention in Tampa, Fla., on Tuesday, Aug. 28, 2012. (AP Photo/Charlie Neibergall)

  • Reice Preibus

    Chairman of the Rebpulican National Convention Reice Preibus gavels the second session of the Republican National Convention to order in Tampa, Fla., on Tuesday, Aug. 28, 2012. (AP Photo/J. Scott Applewhite)

  • Bruce Thompson

    Bruce Thompson of San Diego, Calif. fashions his hat at the Republican National Convention in Tampa, Fla., on Tuesday, Aug. 28, 2012. (AP Photo/Jae C. Hong)

  • Diane Sawyer, Ann Romney

    Diane Sawyer, left, interviews Ann Romney, wife of U.S. Republican presidential candidate Mitt Romney, on the floor before the session of the Republican National Convention in Tampa, Fla., on Tuesday, Aug. 28, 2012. (AP Photo/Jae C. Hong)

  • US-VOTE-2012-REPUBLICAN CONVENTION

    Former republican presidential candidate Newt Gingrich and his wife Callista appear on stage during a sound check at the Tampa Bay Times Forum in Tampa, Florida, on August 28, 2012 during the Republican National Convention. The 2012 Republican National Convention is expected to host 2,286 delegates and 2,125 alternate delegates from all 50 states, the District of Columbia and five territories. AFP PHOTO Stan HONDA (Photo credit should read STAN HONDA/AFP/GettyImages)

  • 2012 Republican National Convention: Day 2

    TAMPA, FL - AUGUST 28: U.S. Sen. Kelly Ayotte (R-NH) stands on stage during a soundcheck with stage manager Howard Kolins during the Republican National Convention at the Tampa Bay Times Forum on August 28, 2012 in Tampa, Florida. Today is the first full session of the RNC after the start was delayed due to Tropical Storm Isaac. (Photo by Scott Olson/Getty Images)

  • 2012 Republican National Convention: Day 2

    TAMPA, FL - AUGUST 28: New Jersey Gov. Chris Christie, who will give the keynote address and his wife Mary Pat Christie stand on stage for a soundcheck during the Republican National Convention at the Tampa Bay Times Forum on August 28, 2012 in Tampa, Florida. Today is the first full session of the RNC after the start was delayed due to Tropical Storm Isaac. (Photo by Scott Olson/Getty Images)

  • Jeb Bush

    Former Florida Gov. Jeb Bush looks at the convention floor from the podium during a microphone check at the Republican National Convention in Tampa, Fla., on Monday, Aug. 27, 2012. (AP Photo/J. Scott Applewhite)

  • In the dimmed lights, state delagate signs are seen on the convention floor after an abbreviated session of the Republican National Convention in Tampa, Fla., on Monday, Aug. 27, 2012.(AP Photo/David Goldman)

  • 2012 Republican National Convention Delayed By Tropical Storm Isaac

    TAMPA, FL - AUGUST 27: Musician Beau Davidson performs during a sound check during the Republican National Convention at the Tampa Bay Times Forum on August 27, 2012 in Tampa, Florida. The RNC is scheduled to convene today, but will hold its first full session tomorrow after being delayed due to Tropical Storm Isaac. (Photo by Mark Wilson/Getty Images)

  • Alex Casetta, a delegate from Denver, Colo., wears a Pro-Life button on his hat following the opening session of the Republican National Convention in Tampa, Fla., on Monday, Aug. 27, 2012. (AP Photo/Lynne Sladky)

  • Reince Priebus

    Chairman of the Republican National Committee Reince Priebus speaks to delegates during an abbreviated session the Republican National Convention in Tampa, Fla., on Monday, Aug. 27, 2012. (AP Photo/J. Scott Applewhite)

  • Jeremy Blosser

    Jeremy Blosser from Ft. Worth, Texas stands next a mirrored wall on the convention floor after an abbreviated session of the Republican National Convention in Tampa, Fla., on Monday, Aug. 27, 2012. (AP Photo/Jae C. Hong)

  • Delegates from Texas pray during an abbreviated session of the Republican National Convention in Tampa, Fla., on Monday, Aug. 27, 2012. (AP Photo/Charles Dharapak)

  • Delegates watch a video presentation during an abbreviated session of the Republican National Convention in Tampa, Fla., on Monday, Aug. 27, 2012. (AP Photo/David Goldman)

  • Delegates from the state of Ohio listen to Chairman of the Republican National Committee Reince Priebus during the abbreviated opening session of the Republican National Convention in Tampa, Fla., on Monday, Aug. 27, 2012. (AP Photo/Lynne Sladky)

  • Delegates watch a video presentation during an abbreviated session of the Republican National Convention in Tampa, Fla., on Monday, Aug. 27, 2012. (AP Photo/Charles Dharapak)

  • John Boehner, Diane Sawyer

    House Speaker John Boehner of Ohio, left, talks to Diane Sawyer on the floor of the Republican National Convention in the Tampa Bay Times Forum in Tampa, Fla., on Monday, Aug. 27, 2012. (AP Photo/J. Scott Applewhite)

  • John Boehner

    House Speaker John Boehner of Ohio, talks to reporters on the floor of the Republican National Convention in the Tampa Bay Times Forum in Tampa, Fla., on Monday, Aug. 27, 2012. (AP Photo/J. Scott Applewhite)

  • US-VOTE-2012-REPUBLICAN CONVENTION

    American political consultant Karl Rove (L) and Senator Orrin Hatch from Utah (R) share a word at the Tampa Bay Times Forum in Tampa, Florida, during final preparations for the opening of the Republican National Convention on August 27, 2012. Due to tropical storm Isaac, the convention will come to order later today, Monday August 27th, and then immediately recess until the afternoon on Tuesday, August 28th. AFP PHOTO Brendan SMIALOWSKI (Photo credit should read BRENDAN SMIALOWSKI/AFP/GettyImages)

  • 2012 Republican National Convention Delayed By Tropical Storm Isaac

    TAMPA, FL - AUGUST 27: A sign for the Republican National Convention hangs outside Tampa Bay Times Forum on August 27, 2012 in Tampa, Florida. The Republican National Convention is scheduled to convene briefly August 27, and delayed its first full session until August 28 because of Tropical Storm Isaac. (Photo by Spencer Platt/Getty Images)

  • Mitch McConnell

    Senate Minority Leader Mitch McConnell of Ky. bchecks out the stage at the Republican National Convention inside the Tampa Bay Times Forum, Monday, Aug. 27, 2012, in Tampa, Fla. (AP Photo/J. Scott Applewhite)

  • 2012 Republican National Convention Delayed By Tropical Storm Isaac

    TAMPA, FL - AUGUST 27: Stage workers continue to make last-minute adjustments to the main stage at the Tampa Bay Times Forum on the abbreviated first day of the Republican National Convention August 27, 2012 in Tampa, Florida. Organizers decided to delay the start of the convention as the projected path of Tropical Storm Isaac' put the storm blowing past Tampa and into the Gulf of Mexico. (Photo by Chip Somodevilla/Getty Images)

  • A Coast Guard patrol boat cruises past the Tampa Bay Times Forum in Tampa, Fla., Monday, Aug. 27, 2012. The start of the Republican National Convention, being held at the facility, has been delayed because of the approaching tropical storm Isaac. (AP Photo/Dave Martin)

  • Judy Griffin, of Georgia, takes photos while wearing a hat with Republican Party buttons during the 2012 Tampa Bay Host Committee's welcoming event for the delegates of the Republican National Convention on Sunday, Aug. 26, 2012 at Tropicana Field in St. Petersburg, Fla. (AP Photo/The Tampa Tribune, Chris Urso, Pool)

  • Republican presidential candidate and former Massachusetts Gov. Mitt Romney campaign buttons are displayed ahead of the Republican National Convention in Tampa, Fla., on Sunday, Aug. 26, 2012. (AP Photo/Jae C. Hong)

  • Herman Cain

    Supporters cheer as former Republican presidential candidate, businessman Herman Cain, speaks during a Unity Rally Sunday Aug. 26, 2012, in Tampa, Fla. (AP Photo/Chris O'Meara)

  • US-VOTE-2012-REPUBLICAN CONVENTION

    William Temple (C), in colonial dress, and other Tea Party supporters cheer at the Tea Party Unity Rally at The River at Tampa Bay Church ahead of the Republican National Convention, in Tampa, Florida, on August 26, 2012. AFP PHOTO / ROBYN BECK (Photo credit should read ROBYN BECK/AFP/GettyImages)

  • US-VOTE-2012-REPUBLICAN CONVENTION

    Supporters of US Republican presidential contender Ron Paul react during his speech at a rally at the Sun Dome of the University of South Florida in Tampa, Florida, on August 26, 2012. Thousands of Ron Paul supporters gathered in Sun Dome to show support for their candidate. AFP PHOTO/MLADEN ANTONOV (Photo credit should read MLADEN ANTONOV/AFP/GettyImages)

  • US-VOTE-2012-REPUBLICAN CONVENTION

    A supporter of the US Republican presidential contender Ron Paul waves his portrait during a rally at the Sun Dome of the University of South Florida in Tampa, Florida, on August 26, 2012. Thousands of Ron Paul supporters gathered in Sun Dome to show support for their candidate. AFP PHOTO/MLADEN ANTONOV (Photo credit should read MLADEN ANTONOV/AFP/GettyImages)

  • US-VOTE-2012-REPUBLICAN CONVENTION

    Supporters wave banners and a portret of US Republican presidential contender Ron Paul during a rally at the Sun Dome of the University of South Florida in Tampa, Florida, on August 26, 2012. Thousands of Ron Paul supporters gathered in Sun Dome to show support for their candidate. AFP PHOTO/MLADEN ANTONOV (Photo credit should read MLADEN ANTONOV/AFP/GettyImages)

  • Tampa Prepares For Republican National Convention And Potential Hurricane

    TAMPA, FL - AUGUST 26: South Carolina Gov. Nikki Haley waves while standing at the podium with Stage manager Howard Kolins (R) ahead of the Republican National Convention at the Tampa Bay Times Forum on August 26, 2012 in Tampa, Florida. The RNC is scheduled to convene on August 27 and will hold its first session on August 28 as Tropical Storm Isaac threatens disruptions due to its proximity to the Florida peninsula. (Photo by Chip Somodevilla/Getty Images)

  • G.E. Smith

    Guitarist G.E. Smith rehearses at the Republican National Convention inside of the Tampa Bay Times Forum in Tampa, Fla., on Sunday, Aug. 26, 2012. (AP Photo/Lynne Sladky)

  • Scott Kiss

    Worker Patrick Gayle of Kissimmee, Fla. wipes the mirror-sided camera stands on the floor of the Republican National Convention in the Tampa Bay Times Forum in Tampa, Fla., on Sunday, Aug. 26, 2012. (AP Photo/Charlie Neibergall)

  • Workers prepare the stage for the Republican National Convention inside the Tampa Bay Times Forum, Saturday, Aug. 25, 2012, in Tampa, Fla. (AP Photo/J. Scott Applewhite)

  • Jason Chaffetz

    Rep. Jason Chaffetz, R-Utah, stands on the stage during preparation for the Republican National Convention festivities inside the Tampa Bay Times Forum, Saturday, Aug. 25, 2012, in Tampa, Fla. (AP Photo/J. Scott Applewhite)

  • Workers prepare the stage for the Republican National Convention inside the Tampa Bay Times Forum, Saturday, Aug. 25, 2012, in Tampa, Fla. (AP Photo/J. Scott Applewhite)

  • Jason Chaffetz

    Rep. Jason Chaffetz, R-Utah, gets a look at the stage during preparation for the Republican National Convention festivities inside the Tampa Bay Times Forum, Saturday, Aug. 25, 2012, in Tampa, Fla. (AP Photo/J. Scott Applewhite)

  • Workers prepare the stage for the Republican National Convention inside the Tampa Bay Times Forum, Saturday, Aug. 25, 2012, in Tampa, Fla. (AP Photo/J. Scott Applewhite)

  • Anthony Batri, from Largo, Fla., unfurls banners as preparations are made ahead of the Republican National Convention in Tampa, Fla., on Saturday, Aug. 25, 2012. (AP Photo/Dave Martin)

  • Workers prepare the stage for the Republican National Convention inside the Tampa Bay Times Forum in Tampa, Fla., on Saturday, Aug. 25, 2012. The political convention begins on Monday, Aug. 27th. (AP Photo/Dave Martin)

  • Workers prepare the stage for the Republican National Convention inside the Tampa Bay Times Forum in Tampa, Fla., on Saturday, Aug. 25, 2012. The political convention begins on Monday, Aug. 27th. (AP Photo/Dave Martin)

  • Riggers load nets full of balloons for the Republican National Convention festivities inside the Tampa Bay Times Forum, Friday, Aug. 24, 2012, in Tampa, Fla. (AP Photo/J. Scott Applewhite)

  • Riggers load nets full of balloons for the Republican National Convention festivities inside the Tampa Bay Times Forum, Friday, Aug. 24, 2012, in Tampa, Fla. (AP Photo/J. Scott Applewhite)

  • Tampa Prepares For Republican National Convention And Potential Hurricane

    TAMPA, FL - AUGUST 23: Video displays that will be used during the Republican National Convention are tested at the Tampa Bay Times Forum on August 23, 2012 in Tampa, Florida. The Republican convention is scheduled to begin in less than a week although Tropical Storm Isaac is threatening possible disruptions due to its proximity to the Florida peninsula. (Photo by Win McNamee/Getty Images)

  • Members of the media conduct interviews on the floor after the unveiling of the stage and podium for the 2012 Republican National Convention, Monday, Aug. 20, 2012, at the Tampa Bay Times Forum in Tampa, Fla. (AP Photo/Scott Iskowitz)

  • Reince Priebus, Willan Harris

    Republican National Committee Chairman Reince Priebus, left, and convention CEO William Harris unveil the stage and podium for the 2012 Republican National Convention, Monday, Aug. 20, 2012, at the Tampa Bay Times Forum in Tampa, Fla. (AP Photo/Scott Iskowitz)

  • Reince Priebus, Willan Harris

    Republican National Committee Chairman Reince Priebus, left, and convention CEO William Harris unveil the stage and podium for the 2012 Republican National Convention, Monday, Aug. 20, 2012, at the Tampa Bay Times Forum in Tampa, Fla. (AP Photo/Scott Iskowitz)

  • GOP Previews Site Of Republican National Convention

    TAMPA, FL - AUGUST 20: Republican National Committee Chairman Reince Priebus unveils the stage inside of the Tampa Bay Times Forum in preparation for the Republican National Convention on August 20, 2012 in Tampa, Florida. Thousands will decend on Tampa for the four day convention which takes place August 27-30. (Photo by Tim Boyles/Getty Images)

  • GOP Previews Site Of Republican National Convention

    TAMPA, FL - AUGUST 20: News media report on the unveiling of the stage inside of the Tampa Bay Times Forum in preparation for the Republican National Convention on August 20, 2012 in Tampa, Florida. Thousands will decend on Tampa for the four day convention which takes place August 27-30. (Photo by Tim Boyles/Getty Images)

  • GOP Previews Site Of Republican National Convention

    TAMPA, FL - AUGUST 20: A worker walks past the stage inside of the Tampa Bay Times Forum in preparation for the Republican National Convention on August 20, 2012 in Tampa, Florida. Thousands will decend on Tampa for the four day convention which takes place August 27-30. (Photo by Tim Boyles/Getty Images)

  • GOP Previews Site Of Republican National Convention

    TAMPA, FL - AUGUST 20: A woman walks in front of the stage inside of the Tampa Bay Times Forum in preparation for the Republican National Convention on August 20, 2012 in Tampa, Florida. Thousands will decend on Tampa for the four day convention which takes place August 27-30. (Photo by Tim Boyles/Getty Images)

  • This photo taken Monday, Aug. 13, 2012 shows downtown Tampa, Fla. The Tampa Bay Times Forum, right, is the location of the Republican National Convention, which will be held Aug. 27-30. Traffic caused by road closures and protests are a concern of downtown workers and residents. (AP Photo/Tamara Lush)

  • Protesters Demonstrate During The Republican National Convention

    TAMPA, FL - AUGUST 27: Code Pink protesters goad people waiting in line to enter Ybor City's Cuban Club which is reported to be hosting a party attended by U.S. Sen. Marco Rubio (R-FL), former Florida Governor Jeb Bush and others as the Republican National Convention is set to begin on August 27, 2012 in Tampa, Florida. The Code Pink demostrators were accusing the people attending the party of being rich as well as supporters of presumptive Republican presidential nominee, former Massachusetts Governor Mitt Romney. (Photo by Joe Raedle/Getty Images)

  • Texas delegates gather in the Tampa Bay Times Forum during the Republican National Convention in Tampa, Fla., on Tuesday, Aug. 28, 2012. (AP Photo/Jae C. Hong)

  • US-VOTE-2012-REPUBLICAN CONVENTION

    Anti-Mitt Romney protesters march through the streets in Tampa, Florida, on August 26, 2012 ahead of the Republican National Convention. The 2012 Republican National Convention was scheduled to be held at the Tampa Bay Times Forum from August 27-30, 2012, but was cut short by one day due to incoming severe weather and possible hurricane conditions. AFP PHOTO Robyn BECK (Photo credit should read ROBYN BECK/AFP/GettyImages)

  • Source: http://www.huffingtonpost.com/2012/08/29/juan-williams-ann-romney-corporate-wife_n_1838352.html

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    A Beginners Guide To Web Design | Article Directory Blog

    ?

    By Nick Hatton

    Web Design has become one of the most up and coming businesses of the 21st century. If you want to market your business online you need a website or alternatively you need to write a blog. You don?t have to be an internet genius to create a website. With free blogging websites such as WordPress or Tumblr you can submit blogs for free with a URL of your choosing and also have the opportunity to customize your page. Free content management systems like WordPress or Square space can help you organize the content and transform blog post to an online store. Lastly the use of HTML and CSS are simple coding languages you can use.

    Over the past 10 years online blogging has become very popular and over that time has developed a standardized approach. However, using a website like Tumblr to host a blog has really become popular in the last five years or so. This is because the hosting site has taken care of the hard part for the user: the coding and design of the site. These sites even offer professional looking templates that can be modified with a few clicks of the mouse, with little or no knowledge of the code that makes them run. This will benefit anyone eager to market themselves on the web.

    For the user who needs a more complex site design that includes more functionality, content management systems (CMS) are great alternatives to designing a website from scratch. For example, the WordPress CMS is an incredibly powerful tool that enables a user to set up a site with almost any feature one could think of with relatively little experience. Of course, another great part of WordPress is that it offers its CMS software for free. Creating an online business using CMS make seem like a tricky process for the novice user but it still can be done. There are many great online tutorials that can be used to help a user a guide them through any problems they may have along the way.

    lastly, there are specific easy to use coding languages which offer endless benefits in web design. HyperText Markup Language (HTML) and Cascading Style Sheets (CSS) are the instruments of choice for Web 2.0 site designers. Every designer should learn these languages and understand them as they will become an important influence in Web Design. With these two languages, a web developer can build a site from scratch or modify the templates found on a blog hosting website or CMS install. Online free tutorials are available online to help you.

    All three of these options require some time to learn, but the benefit of becoming skilled in this area is well worth the effort. Before getting started on your page, take some time to become familiarized with each of these options. You may find that a blog on Tumblr suits your needs better than a more complicated CMS install. The most difficult part of Web Design has been eliminated from the equation allowing anyone with a creative mind to design on the internet..

    An article by Nick hatton, providing a wide of solutions from web design Liverpool to it support to help? small to medium sized businesses increase their sales.

    Source: http://blog-revenue-tips.com/a-beginners-guide-to-web-design/

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    Bookmax: Bookmarking Satisfies Business Productivity ? Best Article ...

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    Tracing the Paralympic movement's 'freak show' roots

    [ Back to EurekAlert! ] Public release date: 29-Aug-2012
    [ | E-mail | Share Share ]

    Contact: Bryan Alary
    bryan.alary@ualberta.ca
    780-492-0436
    University of Alberta

    (Edmonton) Danielle Peers has lived the thrill and pressure, revelled in competition and brought home hardware from the Paralympic Games. But beneath the cheers, the University of Alberta researcher questions whether the Paralympic movement is as empowering as its benevolent image.

    The former Paralympian bronze medallist and women's wheelchair basketball world champion says the history of the Paralympic movement dates to the freak shows of the 19th centuryand even today's modern games are a spectacle of curiosity that reinforces disability.

    "The Paralympics is one of those very few times where we actually have disabilities visible in our culture, where people take notice, but we're not taking full advantage of the opportunity," said Peers, a PhD candidate and Trudeau Scholar in the Faculty of Physical Education and Recreation.

    Peers comes to the issue with experience playing stand-up and wheelchair basketball at high levels. She played wheelchair basketball for four years before being diagnosed with muscular dystrophy, which allowed her to play in the 2004 Athens Paralympic Games.

    "The ways in which we often talk about and show the Paralympics reproduces this idea that disability is a tragic problem in people's bodies, not a structural problem in our communities. My life and the lives of others I know with disabilities are full of structural difficultiesyou can't find housing, it's hard to find a jobbut our lives are also full of pleasure and joy."

    Peers' historical analysis of the power relationship between disability sport organizers and athletes, Patients, Athletes, Freaks: Paralympism and the Reproduction of Disability, was published in the August issue of Journal of Sport & Social Issues in the lead-up to the 2012 London Paralympics.

    Peers contends the movement avoids criticism and celebrates its able-bodied leaders in the most favourable light, often erasing contributions from athletes.

    British neurosurgeon Sir Ludwig Guttmann is often hailed as the "father of the Paralympic movement" for his work at the end of the Second World War, in which he used sport as therapy for veterans with spinal injuries. In fact, his therapies were compulsory, regimented and institutionalized to "rescue these men, women and children from the scrapheap," as Guttmann put it, and return them to "a life worth living."

    Freak show

    Early competitions were spectacles, with athletes showcased alongside other marvels of science in the tradition of 19th-century freak shows. Later, as competition was co-ordinated by formalized organizing bodies, athletes were differentiated and sorted into classes such as blind or paraplegic under the guise of fairness, which Peers notes further objectified disabilities and impairments and led to a rise in disability sport expertsfurthering paternalistic relationships with athletes.

    "If you look at books about the Paralympics, they have all these pictures of athletes and don't name any of them," Peers said, noting the information is all about organizers. "You can't imagine that existing in the Olympic context, but in the context of the histories they tell about the Paralympics, it's irrelevant who athletes are."

    In the 1980s, disability sports such as wheelchair racing were incorporated into the Olympic Games as demonstration sports, but more for curiosity value. Peers pointed to Atlanta in 1996 as evidence of the stark differences in the treatment of athletes.

    "After the Olympics closed, the media left, they took down all the signs, the cafeteria did not have enough food, there was no toilet paper for the athletes to usethey just gutted the space and left the Paralympic athletes to fend for themselves."

    When Paralympians threatened to boycott the closing ceremonies, athlete leaders were removed to quell trouble.

    "There was a real paternalism and real quashing of any kind of revolt or resistance that the athletes have done to try and improve the games for themselvesthe games that they love."

    As the games have grown in size and scope, athletes are not treated as second-class citizens to the same extent as before, said Peers. But in terms of silencing dissent and involving athletes in the direction of their sports, "it's stayed the same or got worse."

    "It's only through writing and thinking critically that we have a hope of making changes for the better."

    ###



    [ Back to EurekAlert! ] [ | E-mail | Share 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.


    [ Back to EurekAlert! ] Public release date: 29-Aug-2012
    [ | E-mail | Share Share ]

    Contact: Bryan Alary
    bryan.alary@ualberta.ca
    780-492-0436
    University of Alberta

    (Edmonton) Danielle Peers has lived the thrill and pressure, revelled in competition and brought home hardware from the Paralympic Games. But beneath the cheers, the University of Alberta researcher questions whether the Paralympic movement is as empowering as its benevolent image.

    The former Paralympian bronze medallist and women's wheelchair basketball world champion says the history of the Paralympic movement dates to the freak shows of the 19th centuryand even today's modern games are a spectacle of curiosity that reinforces disability.

    "The Paralympics is one of those very few times where we actually have disabilities visible in our culture, where people take notice, but we're not taking full advantage of the opportunity," said Peers, a PhD candidate and Trudeau Scholar in the Faculty of Physical Education and Recreation.

    Peers comes to the issue with experience playing stand-up and wheelchair basketball at high levels. She played wheelchair basketball for four years before being diagnosed with muscular dystrophy, which allowed her to play in the 2004 Athens Paralympic Games.

    "The ways in which we often talk about and show the Paralympics reproduces this idea that disability is a tragic problem in people's bodies, not a structural problem in our communities. My life and the lives of others I know with disabilities are full of structural difficultiesyou can't find housing, it's hard to find a jobbut our lives are also full of pleasure and joy."

    Peers' historical analysis of the power relationship between disability sport organizers and athletes, Patients, Athletes, Freaks: Paralympism and the Reproduction of Disability, was published in the August issue of Journal of Sport & Social Issues in the lead-up to the 2012 London Paralympics.

    Peers contends the movement avoids criticism and celebrates its able-bodied leaders in the most favourable light, often erasing contributions from athletes.

    British neurosurgeon Sir Ludwig Guttmann is often hailed as the "father of the Paralympic movement" for his work at the end of the Second World War, in which he used sport as therapy for veterans with spinal injuries. In fact, his therapies were compulsory, regimented and institutionalized to "rescue these men, women and children from the scrapheap," as Guttmann put it, and return them to "a life worth living."

    Freak show

    Early competitions were spectacles, with athletes showcased alongside other marvels of science in the tradition of 19th-century freak shows. Later, as competition was co-ordinated by formalized organizing bodies, athletes were differentiated and sorted into classes such as blind or paraplegic under the guise of fairness, which Peers notes further objectified disabilities and impairments and led to a rise in disability sport expertsfurthering paternalistic relationships with athletes.

    "If you look at books about the Paralympics, they have all these pictures of athletes and don't name any of them," Peers said, noting the information is all about organizers. "You can't imagine that existing in the Olympic context, but in the context of the histories they tell about the Paralympics, it's irrelevant who athletes are."

    In the 1980s, disability sports such as wheelchair racing were incorporated into the Olympic Games as demonstration sports, but more for curiosity value. Peers pointed to Atlanta in 1996 as evidence of the stark differences in the treatment of athletes.

    "After the Olympics closed, the media left, they took down all the signs, the cafeteria did not have enough food, there was no toilet paper for the athletes to usethey just gutted the space and left the Paralympic athletes to fend for themselves."

    When Paralympians threatened to boycott the closing ceremonies, athlete leaders were removed to quell trouble.

    "There was a real paternalism and real quashing of any kind of revolt or resistance that the athletes have done to try and improve the games for themselvesthe games that they love."

    As the games have grown in size and scope, athletes are not treated as second-class citizens to the same extent as before, said Peers. But in terms of silencing dissent and involving athletes in the direction of their sports, "it's stayed the same or got worse."

    "It's only through writing and thinking critically that we have a hope of making changes for the better."

    ###



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    Source: http://www.eurekalert.org/pub_releases/2012-08/uoa-ttp082912.php

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    Decision-makers need to find correct approach to risk management ...

    Posted on August 28th, 2012 in Current News, Data Privacy, Privacy & Policy by Simply Security | Be the first to comment | Tags: Data Privacy, Privacy & Policy

    Decision-makers need to the find correct approach to risk management.

    Decision-makers need to the find correct approach to risk management.

    As the consumerization of IT continues to disrupt the enterprise, organizations need to implement robust risk management practices to ensure mission-critical applications and data are not inadvertently exposed through the utilization of new technologies. Unfortunately, not many businesses are taking the right approach to security and are experiencing problems because of poor practices.

    A recent survey by Deloitte and Forbes Insight revealed that only 25 percent of decision-makers said they continually monitor risk throughout their infrastructure. As a result, data security is often compromised and sensitive solutions are at risk of being exposed.

    Evolving risk landscape induces new challenges

    The study found that 41 percent of survey respondents said the volatile global economy is and will be the biggest threat during the next three years. Regulatory compliance changes were also a major issue for decision-makers, as 30 percent of the study's participants said this would be a top concern throughout the coming years.

    The rapid proliferation of social media in and out of the workplace is also creating challenges for businesses today, as approximately 27 percent of executives labeled the increasing use of social platforms as a major source of risk.

    A separate report by KPMG noted that more than 70 percent of companies around the world now have an active presence on social networks.

    "Social media wasn't even on the radar a few years ago and we're now seeing it ranked among the top five sources of risk, on the same level as financial risk," Deloitte government and risk management services co-leader Henry Ristuccia said. "The rise of social media is just another contributor to the volatile risk environment companies are being forced to navigate."

    Regardless of whether an organization is worried about an employee's behavior on Facebook, dealing with evolving regulatory compliance or managing vulnerabilities associated with inadequate data protection tools, decision-makers need to implement more creative and robust risk management policies to ensure the safety of sensitive information.

    How companies are dealing with diverse risk management landscape

    Deloitte reported that more than 90 percent of survey respondents said they plan to revitalize their risk management policies within the next three years, while roughly 55 percent of those said they will do so within the next 12 months.

    By using a proper metric system, companies can evaluate the risk landscape and determine which approach would provide the most substantial results, according to a report by the Ponemon Institute.

    More than half of decision-makers said they will accomplish these goals by elevating the presence of risk management programs throughout the organization, Deloitte noted. Another 37 percent of executives said they would enhance employee training to increase awareness of risk management and minimize concern associated with insider threats.

    The report also revealed that many organizations label risk management as a C-level responsibility, as 26 percent of respondents said it was the CEO's job to take control of threat oversight. While another 23 percent of business executives said risk management accountability remains with the CFO, only 19 percent of supervisors said chief risk officers need to govern risk management.

    Decision-makers also plan to leverage manual and automated processes to report risk, as 28 percent of respondents said they are currently doing so, the study noted.

    "Based on the findings of this survey, and our interactions with clients, we believe technology has the potential to play a breakout role in the management of risk but many companies are still behind the curve in this area," Deloitte partner Mark Carey said.

    Security News from SimplySecurity.com by Trend Micro

    Source: http://www.simplysecurity.com/2012/08/28/decision-makers-need-to-find-correct-approach-to-risk-management/

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    For Home Buyers That Want The Real Estate Commission For ...

    For Home Buyers That Want The Real Estate Commission For Themselves

    I remember many years ago, long before I got into real estate, talking to a listing agent in another city about how I should be able to get the real estate commission on a purchase because I wasn't going to use a real estate agent. Wow! She looked at me like I was from another planet. What in the heck was I talking about? I HAD to use a real estate agent and there was no way an ordinary person could get a commission that was earmarked for the anointed. I was dumbfounded by her reaction, which just confirmed that the real estate industry was messed up.

    That was probably 20 years ago and if you try what I tried today you probably wouldn't get quite the same reaction that I did but you might very well discover that saving the commission is not quite as easy as you think. We've actually gotten quite a few calls over the past few months from home buyers that are running into obstacles trying to do this.

    Why is it so hard for a home buyer to receive the commission on a purchase? Well, in theory it shouldn't be and often home buyers can pull it off. But you can also run into a lot of hurdles along the way and it can get unbelievably complicated. For example:

    The Listing Agent May Decide They Are Entitled To Both Sides Of The Commission

    This is probably the most common problem that we see all the time. When a buyer represents their self the listing agent is absolutely going to do more work. They might have to show up for showings they would not otherwise have attended. They will have to answer more questions. They will have to do additional paperwork. They will have to do more hand holding. Given the choice between working with an unrepresented buyer and a represented buyer almost all agents, myself included, would choose to work with a represented buyer. This phenomenon is so real that when we sold my parents' home in Dallas earlier this year I offered the listing agent a higher commission for unrepresented buyers (but lower than the total commission with 2 agents involved).

    Anyway, because of this dynamic many listing agents will refuse to give up any commission to an unrepresented buyer and this can get really sticky. For instance, they can make a very credible claim that they are the procuring cause of the buyer finding the home and therefore they are the only agent entitled to the buy side commission. Even if the buyer later brings in their own real estate agent the listing agent can refuse to pay them anything or the whole amount. In fact, in the Chicago suburbs it's not unusual to see a listing with a variation of this note: "If listing agent shows property, buyer's agent must pay 50% referral." I suspect that note is there to prevent a buyer's agent from swooping in at the last minute to collect a big fat commission.

    The Listing Agent Might Insist That You Get Your Own Agent

    This actually happened to some buyers who consequently became our clients. The listing agent was concerned about the buyers not having their own agent. Either it was an integrity issue for her or she wanted to avoid the difficulties of dealing with unrepresented buyers. In either case she told the buyers to get their own agent.

    The Listing Agent May Decide To Keep Both Sides Of The Commission Just Because They Can

    This is actually a subtle variation of the previous issue often encountered. Technically the listing agent is entitled to the entire commission and they decide how to share it with a buyer's agent. If there is no buyer's agent they can keep both sides - even if they don't really do any additional work. Many listing agents will decide to exercise this right. They might even tell you that they are foregoing a portion of the commission but then still pocket the whole thing. You won't ever really know if they did - until perhaps closing.

    The Listing Agent May Believe That A Buyer Can't Receive The Commission

    When I was taking one of the required Illinois real estate classes several years ago the instructor was actually the woman who wrote the book. She has been in the business since 1975 and has been teaching real estate classes since 1989. She has worked with the state and local real estate organizations on educational materials. Yet, when I told her that my business model involved a commission rebate to the buyer she insisted that I could not do this because it was illegal. I knew she was wrong so I just dropped it. But there are a lot of realtors out there that believe that buyers can not receive the commission.

    How Exactly Do You Get The Commission And How Should It Be Documented?

    There are actually 3 different ways that you can get the economic benefit of the commission. You could get a price reduction. You could get a credit on the closing statement. You could receive a check after closing. And there are a variety of documentation alternatives for these. The listing agent, the seller, the two attorneys, and most importantly your lender all have opinions on this. In fact, if not handled properly your lender can totally disallow the commission savings.

    That reminds me. If you are buying a short sale or a bank owned property then the seller's lender has an opinion on this matter also and that opens up a whole other can of worms. In these cases the seller's lender can prevent you from getting the commission.

    So Is There Any Way For A Home Buyer To Get The Commission?

    Yes. And the solution is pretty simple actually. Just find a realtor that either rebates a healthy portion of the commission or works by the hour in exchange for a 100% rebate of the real estate commission. But, in light of the issues I discussed above, be sure to engage this realtor early on in the process - before you actually start seriously looking at properties. You can go to open houses by yourself but to keep the vultures at bay just tell the listing agent or their minions that you are already working with someone - but be prepared with a realtor's name in case they ask you.

    With this approach, on a net basis, you won't get the full economic benefit of the commission but, depending upon the brokerage model you engage, you can get substantially all of it. In exchange for giving up some portion of the commission you will get the benefit of professional help. Like I always say you can change your own oil but is that really the best use of your time? The goal is not to "save" as much money as possible but rather to save as much money as possible without wasting your own time. If you effectively pay a realtor $75 - $100/ hour to do work that you would not do as well in twice the amount of time then that's a pretty good trade off.

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    Source: http://www.chicagonow.com/getting-real/2012/08/homebuyers-that-want-the-real-estate-commission/

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