Sunday, October 14, 2012

Personal Finance Blog of the Week ? Can I Retire Yet.com | Credit ...

Quizzle?s Personal Finance Blogger of the Week will tell you, he?s an engineer?not a financial advisor and not a salesman. He?s Darrow Kirkpatrick of CanIRetireYet.com, and true to his engineering background, he?s designed and built a solid personal finance blog on three priorities: ?simplicity, reliability, and safety.?

Get the best money tips at Credit Visionary

CanIRetireYet, as the name implies, focuses on financial strategies for retirement?both for those just thinking about it at this point, and for those right in the middle of it. Now, it should be noted, it?s really never too early to at least think about retirement, even if it?s decades away. So, it?s important not to confuse a retirement-centered website with one that appeals only to current retirees.

Prudent folks of any age can benefit from Kirkpatrick?s site, which also chronicles his life?s journey, from growing up in a frugal, always-moving, military family to his post-college work in the just-then-emerging personal computer market, and, ultimately, to early retirement. But beyond his own life, Kirkpatrick offers plenty of insights for improving the financial outlook of your own.

With its priority of simplicity, CanIRetireYet is very user-friendly, easy-to-navigate, and covers all the bases?saving, investing, retiring, and even flowchart-style, visual ?blueprints? for other financial projects. I?ll say this, for those who haven?t started thinking of retirement: this site is a good place to start when you do.

For his site and its wealth of engaging content, accessibility, and novel approach, Quizzologists salute Darrow Kirkpatrick of CanIRetireYet.com. Check it out.

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Tags: Darrow Kirkpatrick, financial advisor, personal finance, early retirement
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Source: http://www.creditvisionary.com/personal-finance-blog-of-the-week-can-i-retire-yet-com?utm_source=rss&utm_medium=rss&utm_campaign=personal-finance-blog-of-the-week-can-i-retire-yet-com

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Assad forces accused of using cluster bombs as rebels gain

BEIRUT/AMMAN (Reuters) - Syrian government forces have dropped Russian-made cluster bombs over civilian areas in the past week as they battle to reverse rebel gains on a strategic highway, Human Rights Watch said on Sunday.

Rebels surrounded an army garrison on Sunday near a northwestern town, in the latest push to seize more territory in a province near the Turkish border, opposition activists said. Rebels also posted video on the Internet purportedly showing a fighter jet they had shot down in the area the previous day.

Several hundred soldiers were trapped in the siege of a base in Urum al-Sughra, on the main road between the contested city of Aleppo, Syria's commercial and industrial hub, and Turkey.

"Rebels attacked an armored column sent from Aleppo to rescue the 46th Regiment at Urum al-Sughra and stopped it in its tracks," Firas Fuleifel, one of the activists told Reuters by phone from Idlib province, west of Aleppo. He said the jet was shot down while trying to provide air support to the column.

Rebels say they have been extending their control on the rugged agricultural province throughout the past week, capturing several towns on the border and making gains in the al-Rouge plain west of the city of Idlib, the provincial capital.

The province is the main base and supply route for rebels fighting urban warfare against Assad's forces for control of Aleppo, a city of several million people that could determine the course of the 18-month rebellion against Assad.

CLUSTER BOMBS

New York-based Human Rights Watch said cluster bombs were dropped from planes and helicopters near the main north-south highway running through Maarat al-Numan, a town rebels seized last week cutting the route from Damascus to Aleppo.

HRW previously reported Syrian use of cluster bombs in July and August, but the renewed strikes indicate the government's determination to regain strategic control in the northwest.

Cluster munitions drop hundreds of bomblets on a wide area, designed to kill as many people as possible. Human rights groups say their use near civilian homes can be a war crime.

More than 100 nations have banned their use under a convention which became international law in 2010, but Syria has not signed it, nor have Russia, China or the United States.

Towns targeted included Maarat, Tamanea, Taftanaz and al-Tah. Cluster bombs have also been used in other areas in Homs, Aleppo and Latakia provinces, and near Damascus, HRW said.

"Syria's disregard for its civilian population is all too evident in its air campaign, which now apparently includes dropping these deadly cluster bombs into populated areas," said Steve Goose, arms director at HRW.

HRW said it learned initially about the latest use of the weapons from videos released by opposition activists and had confirmed it in interviews with residents in two towns. It had no information on casualties. The bombs were Russian-made, but it was not known how or when Syria acquired them, it said.

Residents from Taftanaz and Tamanea - both near Maarat al-Numan - told HRW interviewers that helicopters had dropped cluster munitions on or near their towns last Tuesday.

One that hit Tamanea scattered bomblets between two schools, a resident was quoted as saying in the HRW report. People were taking away unexploded bomblets as souvenirs.

"The cluster munition strikes and unexploded ordnance they leave behind pose a huge danger to civilian populations, who often seem unaware how easily these submunitions could still explode," HRW's Goose said.

Syrian government officials were not immediately available to comment on the HRW report. The official state news agency said on Sunday that loyalist forces had killed dozens of "terrorists" in Aleppo, and had captured rockets.

IRAN TALKS

The United Nations peace envoy for Syria, Lakhdar Brahimi, was due in Tehran later on Sunday for talks with Iranian officials, Iranian media reported. Brahimi, who took over the mediator job after former U.N. Secretary-General Kofi Annan quit in frustration, will meet President Mahmoud Ahmadinejad.

Shi'ite Iran is the main ally in the region of Assad, a member of the Alawite sect, an offshoot of Shi'ite Islam. U.N. Secretary-General Ban Ki-moon said this week Brahimi would visit Syria soon to urge Assad to call a ceasefire.

The anti-Assad uprising has been led by the Sunni Muslim majority and is backed by Sunni-ruled Arab states and by Turkey, also led by a party with its roots in Sunni Islamist politics. NATO member Ankara has increasingly taken on a leadership role in the international coalition ranked against Assad.

Turkish confrontation with Syria increased in the past two weeks because of cross-border shelling and escalated on October 10 when Ankara forced down a Syrian airliner en route from Moscow, accusing it of carrying Russian munitions for Assad's military.

Russia has said there were no weapons on the plane and that it was carrying a legal shipment of radar equipment. The incident threatens to cause a crisis in strategically important Russian-Turkish relations after both countries worked to keep disagreement over Syria from ruining wider ties.

Syria said on Saturday it was banning flights by Turkish aircraft over its air space. The move was largely symbolic, as Turkey has already told its airlines not to fly over Syria because of the risk of retaliation.

In remarks indicating criticism of Moscow, which has blocked U.N. Security Council resolutions on Syria, Turkish Prime Minister Tayyip Erdogan told a conference in Istanbul on Saturday: "The U.N. Security Council has not intervened in the human tragedy that has been going on in Syria for 20 months.

"There's an attitude that encourages, gives the green light to, Assad to kill tens or hundreds of people every day."

The bloodshed has worsened markedly in the past two months although neither side has been able to gain a distinct advantage. Combat has been reported nationwide but the crucial strategic battles are being fought in an arc through western Syria, where most of the population lives.

Assad's forces still control the city of Idlib on a main highway linking Aleppo to the port of Latakia, making the route an important rebel target.

"Lots of roadblocks of Idlib have been taken out. Rebel focus is now on supplying the Aleppo highway," said Abu Ali, an activist using an alias.

After four days of heavy fighting in the town of Azmarin on the Turkish border, the rebels appeared to have a fragile hold.

"Praise be, the town is now in our hands ... We have raised two flags inside the town and the battles are over. Azmarin is completely under our control," one resident, who did not want to be named, told Reuters by telephone from inside the town.

A few kilometers (miles) along the border, clashes continued in the Syrian town of Darkush, where the crack of gunfire and sporadic sound of shelling could be heard from Turkey.

(Additional reporting by Nick Tattersall and Ece Toksabay in Istanbul, Jonathon Burch on the Turkey-Syria border and Yeganeh Torbati in Dubai; Writing by Peter Graff; Editing by Alison Williams and Alastair Macdonald)

Source: http://news.yahoo.com/turkey-cites-srebrenica-appeal-action-syria-041622825.html

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Pull Into The Friend Zone - Madame Noire

"Couple Dining PF"

Shutterstock

I am truly surprised by the number of men who are interested in engaging women romantically without actually going through the bother of dating them.? This confuses me.? To whom may I speak to determine when exactly this became appropriate?? I?m not sure how or why men have been able to slide right past the dating/courtship phase into express boo status, but it behooves me to inform all who care to listen that you certainly cannot date me without first dating me.? That?s right, there will be no exclusivity, giving of titles, nor partaking in any activities that lovers do without real tangible dates.? No.? Exceptions.

Let me provide some context.? While I absolutely adore my chick clique, I really enjoy forging friendships with men.? I like to keep a tight circle of both male and female companions with whom I can both enjoy life and commiserate over its disappointments.? Unlike most men, not every relationship I start with the opposite sex begins with the notion that I am attracted to a man and want to ?see what?s up.?? The vast majority of the time, I?m simply thinking he seems cool, I?d like to hang out, might be fun?very similarly to when I meet a woman who seems interesting. ?I will say though that there are times when friendship is absolutely what I?m pursuing but I?m also slightly open to the possibility of something romantic.

When the latter is true, and I haven?t quite decided whether I?m more interested in a platonic or romantic endeavor, what a guy says and does is essential.? Listen, if we agree to meet for coffee and a guy doesn?t attempt to pay, if he doesn?t call or text in a manner that leaves no doubt that he wants me to consider him an option, and if he doesn?t actually make plans to see me or find ways to be in my presence, I assume he wants to be a friend?not a romantic interest.? There is therefore no more thought on my part about whether he might be an interesting romantic option; I follow his lead and place him in the friend zone.

Just like there are things that a woman can do that men often interpret as indicators that she is not giving them a green light and that she instead wants to make them her new BFF, there are things that a man can do that communicate the same thing to women.

Can we all agree that there are just things that men do when they are truly interested in women?? When a man wants a woman, he doesn?t want to do the things that friends do; he makes it crystal clear that he wants to be her man.? When a woman manages to disrupt the cool of a man and capture his attention, he wants to SEE hear; he wants to HEAR her voice; he wants to IMPRESS her and he will gladly spend both his time and money.? If a man sends random text messages but doesn?t call, if he doesn?t make plans, if he lets a woman pay their first time out, she should assume that he wants to be friends?because that?s not what men who don?t want to be friends do, in my experience at least.

Men, realize that if you are interested in a woman at any level and are doing any of the above, you are sending out friend vibes.? If you don?t want to be friends, stop this now.? And women, if there is a man that you are interested in who is doing any of the above, friend zone him immediately!

There?s this come over and chill pandemic that is sweeping the nation.? Somehow men are finding a way to finagle this scenario into faux romances, and sometimes full-blown relationships?and women are letting them.? This must stop.? I?ll come over and chill with you, no doubt.? Sometimes I just want to lay back and watch the game, but if you are just getting to know me and all you want to do is chill?you?re the homie, not an option.? If you?ve been doing all the things that pals do and none of the things that men who want to be set apart from the masses do, your actions cement you in the ?friend? zone and keep you from advancing to ?put me in, coach? territory.

I have literally shaken my head at my ?friends,? who after doing nothing but friendly things start to look at me romantically, increase the length of their hugs, want to cuddle when we?re chilling, inquire about the men I?m dating, and send me late night messages about how I should ?swing through.?? Nah son. ?I don?t do those things with my friends and in order to be more than my friend, you?ve got to properly date me.

You can?t just fall into relationship.? It?s been my experience that women fare much better in relationships when the man of the relationship is slightly more into the woman than she is into him.? And, men seem to be all around more excited about women that they had to actually expend effort to win over.? It?s just wise for women to require men to actually take the time to date them before settling into relationship. ?Sheez, in the words of Kanye ?make it more harder, make [him] put some work in.?

This moving folks from the friend lane directly to HOV boo express lanes without properly traversing those lanes of traffic that separate the two is bound to cause accidents.? I cannot support.

What say you?? Where do you stand on the issue?

Sheena Bryant is a writer and blogger in Chicago.? Follow her on twitter at @song_of_herself.

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Source: http://madamenoire.com/223066/pull-into-the-friend-zone-were-not-dating-if-we-dont-go-on-dates/

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Israel kills Qaeda-tied leader of Gaza militant group

GAZA (Reuters) - An Israeli air strike killed the Palestinian leader of an al Qaeda-affiliated group in the Gaza Strip on Saturday, Hamas and medical sources said.

Gaza Medics said a second militant was also killed in the strike. The after-dark attack targeted the two men who were riding a motorcycle in the northern town of Jabaliya.

The interior ministry of Hamas, the Islamist group that controls Gaza, said one of the men killed was Hisham Al-Saedni, also known as Abu Al-Waleed Al-Maqdissi, believed to head the Jihadist Salafi group Tawhid and Jihad (One God and Holy War).

Sources from Tawhid and Jihad could not be reached to confirm that Saedni was killed.

The group, rival to Hamas, has an Islamist ideology shared by al Qaeda and sources have said that Saedni joined al Qaeda in Iraq at the beginning of the U.S.-led invasion in 2003.

In March 2011 Hamas detained Saedni for 17 months and had freed him in August.

Last year members identifying themselves with Tawhid and Jihad kidnapped and killed a pro-Palestinian Italian activist, Vittorio Arrigoni, in an apparent attempt to secure the release of Saedni.

An Israeli military spokesman could not confirm Saedni was the target of the air strike. A written military statement said the two men targeted were "terror operatives of the Shora Council of the Mujahideen, a Gaza-based Global Jihad affiliate."

The same group had claimed responsibility for a rocket that was fired into Israel on Friday and landed near a house in the Israeli town of Netivot, causing damage but no casualties.

In response, a few hours later, the Israeli military launched three air strikes against what it said were "terror activity sites". There were no casualties reported in those attacks.

Israel says it holds Hamas responsible for any attacks launched from Gaza, which has been under the group's control since 2007. An Israeli military spokesman said that about 40 rockets were fired from Gaza into Israel in October.

Hamas rejects permanent peace with Israel and the two sides fought a three-week war in December-January 2008-2009. The border is tense, with frequent clashes.

A number of Jihadist Salafi groups have surfaced in Gaza in recent years. Unlike Hamas, they endorse an ideology of global Jihad and some accuse Hamas of failing to implement Islamic laws in the coastal enclave.

(Reporting by Nidal al-Mughrabi; Writing by Maayan Lubell; Editing by Diana Abdallah, Jon Hemming and Jason Webb)

Source: http://news.yahoo.com/israeli-air-strike-kills-one-palestinian-gaza-192831720.html

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Ellie Goulding's 'Surreal' NYC Show Bonds Artist With Fans

U.K. singer's Halcyon may have just dropped Tuesday, but the fans at Thursday night's show knew every word.
By Emilee Lindner


Ellie Goulding
Photo: Getty Images

Source: http://www.mtv.com/news/articles/1695407/ellie-goulding-halcyon-album.jhtml

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Saskatoon real estate week in review: October 7-13, 2012 ...

Posted by Norm Fisher on October 13, 2012

Following three consecutive weeks of declines Saskatoon real estate sales sprang back this week as local agents reported 78 firm sales of single-family homes and condominiums to the multiple listing service? for an increase of nine compared against last week and up twelve sales from the same week a year ago. Meanwhile, the number of new listings added to the MLS? slipped lower this week to 115, a drop of 25 from the previous week but well up from the same week last year when just 65 Saskatoon homes were added to the inventory.

Click the image for a larger version of the graph.

Active residential listings continued to do what they?ve been doing lately; pretty much nothing. Over the course of the week, numbers of active listings on the Saskatoon multiple listing service? grew by 12 to reach 1199. At the close of the same week in 2012 that total stood at 1234. Today?s inventory count shows 729 single-family homes and 374 condominiums. A year ago, the system offered 744 active single-family homes and 416 condos.

Click the image for a larger version of the graph.

The median sale price for the week moved higher by eleven thousand dollars this week to finish at $336,000 while the weekly average plunged lower by almost $45K to $331,888. Last week,? the average had hit an new all time high, skewed by a handful of big sales spread across fewer sales. This week?s average sale price nearly matched the six-week average which came in at $331,825. That?s about four thousand dollars lower than it was last week and up by just over ten thousand from the same week a year ago. Meanwhile, the four-week median edged up six thousand dollars this week to $315K, finishing up over the close of the same week last year by twelve thousand dollars. These are some of the narrowest year-over-year gains that we?ve seen in some time.

Click the image for a larger version of the graph.

Overbid sales saw a bit of a resurgence increasing from two last week to six this week. On average, those buyers paid an additional $6,134 to firm up a deal. Another 11 buyers paid full asking price to close up their home purchase while 60 of the week?s 78 sales were reported to have sold below the asking price by an average of $8,146, a much smaller number than last week?s $12,410.

Other notable MLS? activity this week included 45 cancelled and withdrawn listings, 22 expired listings and just 33 price adjustments.

Click the image for a larger version of the chart.

Highlights from the news this past week

Saskatoon housing starts jump: CMHC ? Star Phoenix
Potentially flawed data used by banks and lenders bump up house prices ? Globe and Mail
New housing price index rises 0.2 percent in August ? Globe and Mail
Why TD Bank thinks Canada is overbuilt ? Globe and Mail

A map displaying the boundaries of Saskatoon real estate areas is here.
An overview of data collection and calculation practices for our statistical reports is here.

Get the most current market intelligence with our FREE Market Snapshot including prices of homes recently sold in your area. Get it here now.

I?m always happy to answer your Saskatoon real estate questions.? All of my contact info is here. Please feel free to call or email.

Norm Fisher
Royal LePage Saskatoon Real Estate

Source: http://teamfisher.com/saskatoon-real-estate-week-in-review-october-7-13-2012/

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Saturday, October 13, 2012

Dems in Coal States Diverge on Obama Policies

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