Tuesday, October 23, 2012

PFT: SD's Phillips has seen 'lot of cheating'

SiriusXM Town Hall With NFL Commissioner Roger Goodell And Michael Strahan On SiriusXM NFL RadioGetty Images

The Pro Bowl remains on the endangered species list.

In what hardly will classify as the most dramatic revelation of the year, Commissioner Roger Goodell said Monday at a town hall meeting sponsored by SiriusXM radio that the Pro Bowl could be abandoned, eventually.

?It?s really tough to force competition and after a long season to ask those guys to go out and play at the same level that they play is pretty tough,? Goodell said.? ?And I made it very clear last year because I really thought the quality of the game last year was way below standards and if we?re going to play like that we should just eliminate the game.?

He?s right.? No player who has made it through a long season of games that count healthy enough to play another game has interest in playing hard in a game that doesn?t count.

So get rid of it.? Be done with it.? Yes, it will result in a lost opportunity to hit the cash register, given that plenty of folks will watch bad football involving good players.? But if it doesn?t do justice to the shield, then it should be abandoned, permanently.

The problem is that the players still want to play the game ? since it entails a free week in Hawaii and, in its current form, a game of two-hand touch in full pads.? And as long as people keep watching it, it will be hard to stop playing it.

?I was leaning that way,? Goodell said.? ?The players asked if they could take another crack at it and they wanted to try to work to make the game more competitive.? Obviously, I support that but if we can?t accomplish that kind of a standard I?m inclined not to play it any longer.?

Thus, this year?s edition could go a long way toward determining the future of the game.? Which means that even more of us will tune in to see just how much better than really bad it will be.

Which will make it even harder to pull the plug, now matter how badly it needs to be pulled.

Source: http://profootballtalk.nbcsports.com/2012/10/22/shaun-phillips-says-he-has-seen-a-lot-of-cheating-in-nfl/related/

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Finance educator: Students lack credit knowledge, education | TCU ...

Some students have not begun to build their credit score for the future.

Equifax, a credit reporting agencies, defines credit as "a mathematical model designed to predict credit risk, based on data contained within your credit file."?

A credit score is given a numerical value between 250 and 850. The higher a person's credit score is, the more a likely lender is to give them a loan. Employers and landlords also look at credit scores before they hire or approve leases.

Greg Kolesar, a senior computer science major, said the main reason some students are not aware of the need to build credit is because it is not taught in school. He said one of the perceptions some students see is that credit has a bad reputation, especially after the economic crisis a few years back.

Personal finance educator at University of Idaho Extension Luke Erickson agreed with what Kolesar believed. The reason students have a lack of knowledge about credit is the lack of education, he said. ?Erickson attributes the lack of knowledge to how credit has grown in importance.

By creating a game similar to the show "Who wants to be a Millionare?" Erickson hopes to educate students about everything credit entails.

Erickson said that the importance of credit has grown?over the past ten years.? A decade ago, it did not have a big impact, he said. ?Then five years ago it was crucial in lending. ?Presently, credit is important in almost all aspects of life.

Mollie Johns, a senior marketing major, and McKenzie Butler, a freshman business major, said they did not know how to build credit. Butler said she uses her parent's credit card and was not sure how to build credit.

Some students know about building credit, but are hesitant to begin. Philip Armendarez, a junior accounting major, said he knows about credit, but lacks the motivation to begin growing his credit.

Others knew that they need to get started as soon as possible. Jordan Prather, a junior nursing major, said she talked to a banker to learn how to start building credit. She said she motivated herself because she know how important it is for the future.

Prather said the banker told her to charge under half of the credit card's limit. Prather also said she always paid off her balance before she receives her bill.

Creditcards.com has ten ways to help students build their credit. Some of their tips include how to get a credit card, getting the right card for each customer, and when the customer should use their card.??

For more ways to help build a credit score, you can visit this website.

Source: http://www.tcu360.com/campus/2012/10/16140.finance-educator-students-lack-credit-knowledge-education

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Monday, October 22, 2012

Syria exposes Lebanon's thin veneer of stability

BEIRUT (AP) ? Potentially the most unstable country in the Middle East, Lebanon for the most part has stayed on the sidelines of the Arab Spring, keeping up appearances as an oasis of relative modernity, commerce and good times.

But the spillover effects of the Syrian war are ripping off that thin veneer.

Beneath the surface lurk the same forces that devastated the country during its years of civil war, with simmering hatreds still dividing Muslims and Christians, Sunni and Shiites, and secular and fundamentalist groups. Outside forces are still arrayed, militias are still armed and the country seems forever on the verge of tearing itself apart.

"Of all Syria's neighbors, Lebanon is the weakest, the most political and ideologically polarized and split among sectarian lines," said Fawaz A. Gerges, head of the Middle East Center at the London School of Economics. "The fear is not if the Syrian conflict will spill over ? but whether it has already reached the streets of Beirut."

The assassination of Lebanon's intelligence chief in a car bomb Friday is threatening to upend a fragile political balance in Lebanon, a country plagued by decades of strife ? much of it linked to political and military domination by Damascus.

The funeral for Brig. Gen. Wissam al-Hassan descended into chaos over the weekend as soldiers fired tear gas at protesters who tried to storm the government palace. The demonstrators were furious at a leadership they consider beholden to Syria, blaming al-Hassan's death on the regime in Damascus.

Al-Hassan, 47, was a powerful opponent of Syria's influence in Lebanon.

In the hours following the funeral, gunmen fought street battles in Beirut and the northern city of Tripoli. Sectarian clashes killed at least five people, and on Monday cracks of gunfire rang out in Beirut as soldiers and armored personnel carriers with heavy machine guns took up position on major thoroughfares and dismantled roadblocks.

The outburst of violence appeared to be a sign of a nation hurtling toward civil war.

But this is Lebanon, where traditions of social freedoms, factional loyalties and fanaticism are held in a political balance that gives no group full power to force its agenda nationwide. When that balance is disrupted, such as by Friday's assassination, the result is another cycle of violence that the country appears powerless to escape.

It's too early to know if the al-Hassan killing will plunge the country back into war.

But his death does not appear to be having the kind of galvanizing effect seen in 2005, when former Prime Minister Rafik Hariri was killed in a truck bombing along Beirut's waterfront. Hariri's assassination sparked thundering street protests in Lebanon that forced Damascus to withdraw its tens of thousands of troops from the country after three decades.

Al-Hassan's killing, seven years later, comes at a time of deep divisions both inside Lebanon and beyond. Sectarian tensions already were enflamed over the Syrian civil war, the bloodiest and most protracted crisis of the Arab Spring.

Many of Lebanon's Sunni Muslims have backed Syria's mainly Sunni rebels, while Shiite Muslims and the militant group Hezbollah have tended to back Syrian President Bashar Assad, whose tiny Alawite sect is an offshoot of Shiite Islam.

Hezbollah, the most powerful political and military force in Lebanon, is enduring its own troubles. Backed by Iran and Syria, Hezbollah faces the possibility of losing a crucial ally if Syrian rebels manage to topple Assad.

Its reputation as a popular resistance movement already has taken a severe beating for siding with Syria against the anti-Assad uprising even after it supported Arab revolts in Egypt, Tunisia, Libya and Bahrain.

Assad's fall would be a nightmare scenario for Hezbollah. Any new regime led by the country's majority Sunnis would likely be far less friendly to Shiite Hezbollah, or even outright hostile. Iran remains the group's most important patron, but Syria is a crucial supply route. Without it, Hezbollah will struggle to get money and weapons as easily.

Despite all these divisions, there were hopes that Lebanon might ride out the Syrian crisis.

While the Arab Spring turmoil swept the Middle East, it appeared to leapfrog over Lebanon. Lebanon escaped the tumult in part because its weak government produced no dictator to overthrow ? not because the population was satisfied.

That same weakness makes the country vulnerable to manipulation by its neighbors.

Many Lebanese blame Damascus for al-Hassan's killing, saying his work was disrupting Syria's power and influence here.

He headed an investigation over the summer that led to the arrest of former Information Minister Michel Samaha, one of Syria's most loyal allies in Lebanon. He also led the inquiry that implicated Syria and Hezbollah in Hariri's assassination.

Michael Azzi, an 18-year-old interior design student in Beirut, said regional conflicts always blow up in Lebanon.

"Lebanon is becoming a country where everyone can throw their trash," Azzi said. "There are some Lebanese who are always ready to burn their country at the orders of foreign countries."

___

AP writer Barbara Surk contributed to this report.

Source: http://news.yahoo.com/syria-exposes-lebanons-thin-veneer-stability-181354696.html

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House to House - Homes Arkansas ? Real Estate News

Today?s column is by guest writer Douglas Trattner, HouseLogic.com. Trattner has covered home improvement for HGTV.com, DIYNetworks and the Cleveland Plain Dealer.

How do you keep your fireplace safe? The best tools you have are your eyes.

With regular visual inspections both inside your home and out, you?ll make sure your fireplace is in good shape for the burning season.

CHECKING FROM THE OUTSIDE

Examine the chimney to make sure a chimney cap is present and in good repair. The metal cap keeps animals, rain and snow out of the chimney while acting as a spark arrester that prevents hot embers from landing on your roofing.

If you have a multistory home or a steep roof, play it safe and use a pair of binoculars to check the chimney cap from the ground.

While you?re at it, make sure of the following things:

? There is no bird?s nest or buildup of debris on the chimney cap.

? There are no tree limbs above or near the chimney.

? The mortar and bricks on the chimney aren?t crumbling or missing.

? The chimney rises at least 2 feet above where it exits the roof.

? The chimney crown ? the sloping cement shoulders at the top of the chimney ? is beveled, which helps airflow.

? The flue liner is visible above the chimney crown.

? The chimney is plumb and not leaning to one side or the other.

? The roof flashing is tight against the chimney.

If you spot anything amiss, call a licensed chimney professional or mason to remedy the problem. For pricey jobs, be sure to get a second estimate.

LOOKING INSIDE THE HOME

With a flashlight, inspect the flue damper to make sure it opens, closes and seals properly.

?If the damper doesn?t seal well, you?ll lose a tremendous amount of heat from the home when the fireplace isn?t in use,? said Gary Spolar, a licensed sweep and owner of Century Chimney in northeast Ohio.

With the damper open, check the flue for combustible material, such as animal nests or other foreign objects. You should be able to see daylight at the top.

Inspect the fireplace surround, hearth and firebox to make sure there are no cracked bricks or missing mortar. Damage inside the firebox is serious; if you suspect damage, have a professional fireplace and chimney inspection. An inspection costs anywhere from $79 to $500.

Also, check for obvious signs of moisture inside the firebox, which could mean a faulty chimney cap.

INSPECTING A GAS FIREPLACE

We enjoy gas fireplaces because they?re low-maintenance ? but that doesn?t mean they?re no-maintenance.

? Inspect the glass doors for cracks or latch issues.

? Check that gas logs are in the proper position.

? Turn gas off at the shutoff valve and test the igniter.

? Ignite the fire and look for clogged burner holes. If present, turn off gas and clear obstructions with a pin or needle.

? Reprinted from HouseLogic.com with permission of the National Association of Realtors

House to House is distributed by the Arkansas Realtors Association. For more information about the ARA, visit www.ArkansasRealtors.com.

More from columnist Arkansas Realtors Association

Source: http://news.homesarkansas.net/?p=4247

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Average U.S. retail gas prices drop 8 cents in two weeks

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Monday, October 15, 2012

Quickel Evangelical Lutheran church celebrates 250 years

Special service honors 14 longtime members of Quickel Evangelical Lutheran Church.

Norma Gates has been a member of Quickel Evangelical Lutheran Church for 89 years, since birth. Her mother didn't believe in infant baptism and had Gates baptized 74 years ago. YORK DAILY RECORD/SUNDAY NEWS - PAUL KUEHNEL (Paul Kuehnel)

Born into the church and baptized, confirmed and married there. It all happened at Quickel Evangelical Lutheran Church.

"My kids got baptized here," said Ethel Wolfgang, 85, of York city. "We were raised in the church. This is home."

Wolfgang and 13 other members of the congregation were recognized during special Sunday services for being baptized in the church for 75 or more years. The service kicked off the church's 250th anniversary celebrations.

Family is key at the Conewago Township church. It is the reason most of the 75-year members continue to bring their own families, with four or more generations filling the pews. Most of their families lived nearby and family attendance started with their grandparents.

"They always said don't talk about people at Quickel, someone will be related," joked Joyce Myers, 83, of York city, Wolfgang's sister.

Church members have seen many changes from the inside out, including the addition of air conditioning, and the shift to services with more liturgy.

The church used to be combined with a Reformist church, but the union was dissolved in the 1950s. Members fondly remembered the men's quartet singing during past services, the picnics and the music played before the annual Memorial Day service.

Sunday school used to be held in the balcony, with three classes, one in each section. The teachers' words drifted over the pews below.

"You listened to whoever spoke the loudest," Myers said.

Harvest Home took place annually, when farmers would bring in produce that was donated to the Lutheran home. The women would can peaches that were donated to the home as well, but stopped when state regulations changed.

"A few years ago they started making the blankets," added Wolfgang, a "few years" being closer to 20. The quilts are donated to Lutheran World Relief and crocheted baby afghans to Access-York.

Communion used to be given quarterly, only every three months, and is now every Sunday.

"I think everyone in the church was here on Communion day," said Norma Gates, 89, of York city.

Gates has belonged to the church since birth, but her mother did not believe in infant baptism. Gates was not baptized until she was 15, leaving her one year shy of 75 years baptized in the church.

"It's just been my family all my life," Gates said. "If I don't come to church, I feel like I'm missing something."

Gates and those recognized Sunday also lived through an important change in the church council. Gates was the first woman to join. Now the council is evenly split in members between men and women.

"My father was on the council and I told him, nominate me. He wouldn't even nominate me. But I was on later," Myers said.

The congregation has always been small, but it continues to grow with new members joining regularly, according to Rev. Barbara Barry.

"We look backward at our past as we look forward into the future," said Barry. "We are small, but mighty."

Source: http://www.ydr.com/local/ci_21772471/church-kicks-off-250th-celebration?source=rss

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MORENO VALLEY: Residents warned to protect pets from coyotes ...

Posted on | October 14, 2012 | Comments


Animal control officers have warned residents near Moreno Valley Ranch Golf Course to protect their pets from coyotes, which attacked at least one dog last month.

An unidentified pet owner told officers that three coyotes attacked his dog and ran away with it into the foothills after he released his dog from its leash to chase a ball on the golf course. The owner also said he saw two more coyotes but they weren?t part of the attack.

Pet owners should keep their pets close them on leashes when they walk them, especially near the foothills around the golf course.

Officers say no other recent pet attacks have been reported. On Oct. 5, a dead coyote was found at Indian Street and Gentian Avenue, officers said.

Officers say the golf course area is a coyote habitat and it?s common for coyotes to attack small pets that are left unattended.

Written by: lhines on October 14, 2012.

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Source: http://blog.pe.com/moreno-valley/2012/10/14/moreno-valley-residents-warned-to-protect-pets-from-coyotes/

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