Sunday, June 30, 2013

Five credit myths that can cost you money

The world of credit has hundreds of myths about responsibility of joint debt, retailers' credit cards, and so on. Not only are these myths untrue, they can cost you. Here are five costly credit myths debunked:

By Daniel I. Tulbovich,?Contributor / June 29, 2013

Consumer credit cards are posed in North Andover, Mass., in 2012. Credit myths can cause people to make costly mistakes,

Elise Amendola/AP/File

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There are hundreds of myths about credit and debt. They range from the somewhat reasonable to the ridiculous. The bottom line: Just because you?ve heard them all your life doesn?t mean they are true. A little legwork on the Internet or a conversation with a credit expert at a bank, mortgage company, or nonprofit credit counseling service may help you arrive at the truth. Here are five myths that can cost you money:

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1.?One credit score tells you all you need to know. So you looked up your credit score with Experian, you were satisfied with the report and moved on. Creditors take a much different approach. Some creditors will pull all three of your credit reports in order to get a more complete picture of your payment habits. Others, such as auto loan lenders or landlords, tailor their search to fit your performance in a particular location or area.

Credit scores from the three major services are rarely, if ever, identical so you really do need to look at what each of the three major credit bureaus have for your credit history and what your score is with each. The three major bureaus are: Equifax, Experian, and TransUnion.

Film academy invites 276 people to join its ranks

(AP) ? Jennifer Lopez, Lena Dunham, Joseph Gordon-Levitt and Lucy Liu have received one of the most exclusive invitations in Hollywood.

The Academy of Motion Picture Arts and Sciences announced Friday that it has invited them, and 272 others, to join its ranks.

Other invitees include Jason Bateman, Rosario Dawson, "Machete" star Danny Trejo, "Bridesmaids" director Paul Feig and "Before Midnight" writer-star Julie Delpy.

All 16 branches of the film academy extended invitations to new members, from hairstylists and sound engineers to producers and publicists.

Those who accept the invitations will be able to vote on the recipients of the next Academy Awards, set for March 2, 2014.

___

Online:

www.oscars.org

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/4e67281c3f754d0696fbfdee0f3f1469/Article_2013-06-28-Film-New%20Academy%20Members/id-d84ddf229b8142288f85fc9efeb43d76

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Saturday, June 29, 2013

Triche looking at bright side heading into NBA Summer League

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As 'war' rages, Gettysburg vendors hope to cash in

GETTYSBURG, Pa. (AP) ? As re-enacted war raged several miles away, tourists strolled a commercial strip of Gettysburg to survey T-shirts, hats and other trinkets to commemorate the 150th anniversary of the Civil War's pivotal battle.

More than 200,000 people ? including thousands of re-enactors ? are expected to visit this small south-central Pennsylvania town through Fourth of July weekend to mark the milestone.

And it's a prime opportunity for vendors to make some money.

Sightseers can pick up one of the many incarnations of "150th Anniversary" T-shirts at stores along about a two-block stretch of one of the main drags in town, Steinwehr Avenue, less than a quarter-mile from the Gettysburg National Military Park. One store, in between two shops that promote ghost tours, had "Army of the Potomac" and "Army of Northern Virginia" athletic department shirts among offerings hanging on its porch.

A few visitors said they aren't comfortable with the consumerism in town.

"I don't like the commercialism. I think they can do a lot less of it," said Richard Gow, 65, of Binghamton, N.Y. Dressed sharply in a gray uniform, Gow was portraying noted Confederate Gen. Lewis Armistead outside the American Civil War Wax Museum.

Then Gow ? himself a U.S. Army veteran who served during Vietnam ? looked toward the battlefield, just down the road. That is where the self-proclaimed Civil War buff, who said his family ties trace back to Confederate Major Gen. John Gordon, said visitors can find what's really important.

"It's the grounds," he said reverentially, referring to the fields and hills where up to 10,000 Union and Confederate soldiers died in the Civil War's pivotal conflict. "It's an honor to be here."

Federal forces turned away the Confederates during fierce fighting on July 1-3, 1863, ending with the South's ill-fated Pickett's Charge across an open field against Union soldiers.

George Lomas, owner of The Regimental Quartermaster store on the busy commercial strip said he's been gearing up for this week for months. His business primarily attracts re-enactors looking to buy period military jackets, shirts and belts along with bayonets and muskets.

Smaller tables near the front door carried 150th anniversary T-shirts and more kitschy items like a pen shaped like a mini-drumstick inscribed with "Civil War."

Re-enactors have been streaming in this week, Lomas said, but he also sells items for tourists.

When asked about people who may think Gettysburg is too commercialized, Lomas said, "That happens. That's business. I don't think it's over-commercialized. Of course, I'm prejudiced."

He noted how a stretch of road along the actual battlefield actually became less commercialized. He was referring to the Park Service's efforts in recent years to rehabilitate major areas of the battlefield to make it better resemble the territory soldiers encountered 150 years ago.

One of the changes involved removing a motel that that once stood across the street from a monument for Ohio soldiers. The rehabilitation process grew out of a master plan in 1999 that didn't set the 150th anniversary as a deadline ? though park officials say it was a welcome and timely coincidence.

Author Michael Shaara's 1974 novel, "The Killer Angels," and the 1993 movie, "Gettysburg," based on the book have been credited with the increased interest in the Civil War battle in recent decades.

Shaara died in 1988. His son, Jeff, himself a bestselling author whose "Gods and Generals" was the 1996 prequel to his father's classic, was signing books at the wax museum Saturday morning. He said he saw commercialism as a way to help the community pay for the taxes that in turn paid for infrastructure.

Shaara said other scenes in and around Gettysburg this anniversary week had to be taken into account, like lines of Boy Scouts eagerly going through the National Park Visitors Center; or dedicated history buffs wearing wool uniforms on a sunny summer afternoon marching in detailed formations to recreate the fighting.

"There are a myriad of draws of why people come here. The commercialism? We're a capitalist society. You're free to open a store and sell whatever it is you want to sell," he said. "But to me, it doesn't destroy what's here. It's sort of a necessary part of it."

Many other visitors said modern Gettysburg strikes the appropriate balance between capitalizing on its notoriety and paying reverence to the conflict: No amusement parks, no roller coasters.

"This kind of brings history alive," said Dave Gish, 54, a pastor from Wilton, Conn., who took photos of a re-enactment between Union and Confederate cavalry featuring hundreds of horses. "It's the kind of thing where this is pretty much what you're coming for."

Capitalism is at work on the grounds of the re-enactment, as well.

Re-enactors and shoppers seeking authentic trinkets can head 19th-century-style tent city where shopkeepers offer items appropriate for the period or to re-stock the soldiers ? just like traveling suppliers did in the 1860s.

Source: http://news.yahoo.com/war-rages-gettysburg-vendors-hope-cash-224247209.html

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Friday, June 28, 2013

Weekend heat wave to bake western US

A construction worker is shown atop a roof at sunrise to beat daytime high temperatures, Thursday, June 27, 2013 in Queen Creek, Ariz. Excessive heat warnings will continue for much of the Desert Southwest as building high pressure triggers major warming in eastern California, Nevada, and Arizona. Dangerously hot temperatures are expected across the Arizona deserts throughout the week with a high of 118 by Friday. (AP Photo/Matt York)

A construction worker is shown atop a roof at sunrise to beat daytime high temperatures, Thursday, June 27, 2013 in Queen Creek, Ariz. Excessive heat warnings will continue for much of the Desert Southwest as building high pressure triggers major warming in eastern California, Nevada, and Arizona. Dangerously hot temperatures are expected across the Arizona deserts throughout the week with a high of 118 by Friday. (AP Photo/Matt York)

Elvis impersonator Cristian Morales wipes sweat from his brow while standing out on The Strip posing for photos with tourists, Thursday, June 27, 2013 in Las Vegas. Morales preferred to stand out in the 112 degree heat of the day instead of working the cooler evening hours saying "We'd much rather fight with the sun than fight with the drunk people." A high pressure system parking over the West is expected to bring temperatures this weekend and into next week that are extreme even for a region used to baking during the summer. (AP Photo/Julie Jacobson)

Tourists watch the Bellagio fountain show during a heat wave Thursday, June 27, 2013 in Las Vegas. (AP Photo/Julie Jacobson)

Five-year-old Ashawn Rabb runs through a fountain of water at the Red Ridge Park kids water park, Thursday, June 27, 2013 in Las Vegas. Children with their parents stayed past sundown to cool off in the park's fountains after temperatures in Las Vegas hit 112 degrees. A high pressure system parking over the West is expected to bring temperatures this weekend and into next week that are extreme even for a region used to baking during the summer. (AP Photo/Julie Jacobson)

Mercedes Lopez, 2, lays in the shade amid high temperatures at Grand Park in downtown Los Angeles on Thursday, June 27, 2013. (AP Photo/Los Angeles Times, Allen J. Schaben)

(AP) ? Tigers at the Phoenix Zoo are getting frozen fish snacks. Temporary cooling stations are popping up to welcome the homeless and elderly. And airlines are monitoring the soaring temperatures to make sure it's safe to fly as the western U.S. falls into the grip of a dangerous heat wave.

A strong high-pressure system settling over the region Friday and through the weekend will bring extreme temperatures to the already blazing Southwest. Notoriously hot Death Valley in California is forecast to reach 129 degrees, not far off the world-record high of 134 logged there exactly one century ago.

The National Weather Service predicts Phoenix could reach a high of 118 on Friday, while Las Vegas could see the same temperature over the weekend.

Temperatures are expected to soar across Utah and into parts of Wyoming and Idaho, where forecasters are calling for triple-digit heat in the Boise area through the weekend.

Cities in Washington state better known for cool, rainy weather should break the 90s early next week, while northern Utah ? marketed as having "the greatest snow on Earth" ? is expected to hit triple digits. In Albuquerque, N.M., the mercury hit 105 on Thursday afternoon, the hottest it has been in the state's most populous city in 19 years.

"This is the hottest time of the year but the temperatures that we'll be looking at for Friday through Sunday, they'll be toward the top. We'll be at or above record levels in the Phoenix area and throughout a lot of the southwestern United States," said National Weather Service meteorologist Mark O'Malley. "It's going to be baking hot across much of the entire West."

Jennifer Smith, a spokeswoman for the National Interagency Fire Center based in Idaho, said crews are especially worried about wildfires igniting in the Four Corners region where the borders of Colorado, New Mexico, Utah and Arizona intersect.

Some of the strongest parts of the high pressure system are expected to be parked over the area through the weekend, where forecasters are calling for lightning but little to no precipitation, Smith said.

Scientists say that the jet stream, the river of air that dictates weather patterns, has been more erratic in the past few years. It's responsible for weather systems getting stuck, like the current heat wave. Scientists disagree on whether global warming is the cause of the jet stream's behavior.

The hottest cities are taking precautions to protect vulnerable residents. Police are pleading with drivers not to leave children or pets in vehicles, and temporary cooling stations are being put up to shelter homeless people and the elderly on fixed incomes who hesitate to use air conditioning.

Officials said extra personnel have been added to the U.S. Border Patrol's Search, Trauma, and Rescue unit as people illegally crossing the border from Mexico into Arizona could succumb to exhaustion and dehydration. At least seven people have been found dead in the last week in Arizona after falling victim to the desert's brutal heat.

Even airlines are watching the mercury for any signs that temperatures could deter operations.

In June 1990, when Phoenix hit 122 degrees, several airlines, including America West, which later merged with US Airways, were forced to cease flights for several hours because the planes didn't have the data needed to know how they would fly in temperatures above 120 degrees.

US Airways spokesman Todd Lehmacher said the airline's fleet of Boeings can now fly up to 126 degrees, and up to 127 degrees for the Airbus fleet.

But the company's smaller express planes flying out of the Phoenix area may be delayed if the temperature tops 118 because as the air heats up, it becomes less dense and changes liftoff conditions.

"The hotter is it, your performance is degraded," Lehmacher said. "We're monitoring this very closely to see what the temperatures do."

Officials at Salt River Project, the Phoenix area's largest electricity provider, also are closely monitoring usage in order to redirect energy in case of a potential overload.

Company spokeswoman Scott Harelson said he doesn't expect usage to get anywhere near SRP's record 6,663 megawatts consumed in August 2011.

"While it's hot, people tend to leave town and some businesses aren't open, so that has a tendency to mitigate demand and is why we typically don't set records on weekends," Harelson said.

Meanwhile, over at the Phoenix Zoo, animals from elephants to warthogs will be doused with hoses and sprayed with sprinklers and misters throughout the weekend.

The tigers will get frozen fish snacks while the lions can lounge on concrete slabs cooled by internal water-filled pipes, said zoo spokeswoman Linda Hardwick.

"And they'll all have plenty of shade," she said. "The keepers will all just be very active looking for any behavior changes, anything that would tip them off that an animal is just getting too hot."

In Las Vegas, two Elvis impersonators and a performer costumed as the iconic "Welcome to Fabulous Las Vegas" sign said they still planned to keep up their routine of working the tourist corridor in the broad daylight and turning in for the evenings, heat notwithstanding.

"We'd much rather fight with the sun than fight with the drunk people," Elvis impersonator Cristian Morales said.

___

Associated Press writers Robert Jablon in Los Angeles, Julie Jacobson and Michelle Rindels in Las Vegas, Michelle Price in Salt Lake City, and Susan Montoya Bryan in Albuquerque contributed to this report.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/bbd825583c8542898e6fa7d440b9febc/Article_2013-06-28-West%20Heat%20Wave/id-faa204d4308b44b7a956bd81ccb83136

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Tiny nanocubes help scientists tell left from right

June 28, 2013 ? In chemical reactions, left and right can make a big difference. A "left-handed" molecule of a particular chemical composition could be an effective drug, while its mirror-image "right-handed" counterpart could be completely inactive. That's because, in biology, "left" and "right" molecular designs are crucial: Living organisms are made only from left-handed amino acids. So telling the two apart is important-but difficult.

Now, a team of scientists at the U.S. Department of Energy's Brookhaven National Laboratory and Ohio University has developed a new, simpler way to discern molecular handedness, known as chirality. They used gold-and-silver cubic nanoparticles to amplify the difference in left- and right-handed molecules' response to a particular kind of light. The study, described in the journal Nano Letters, provides the basis for a new way to probe the effects of handedness in molecular interactions with unprecedented sensitivity.

"Our discovery and methods based on this research could be extremely useful for the characterization of biomolecular interactions with drugs, probing protein folding, and in other applications where stereometric properties are important," said Oleg Gang, a researcher at Brookhaven's Center for Functional Nanomaterials and lead author on the paper. "We could use this same approach to monitor conformational changes in biomolecules under varying environmental conditions, such as temperature-and also to fabricate nano-objects that exhibit a chiral response to light, which could then be used as new kinds of nanoscale sensors."

The scientists knew that left- and right-handed chiral molecules would interact differently with "circularly polarized" light-where the direction of the electrical field rotates around the axis of the beam. This idea is similar to the way polarized sunglasses filter out reflected glare unlike ordinary lenses.

Other scientists have detected this difference, called "circular dichroism," in organic molecules' spectroscopic "fingerprints"-detailed maps of the wavelengths of light absorbed or reflected by the sample. But for most chiral biomolecules and many organic molecules, this "CD" signal is in the ultraviolet range of the electromagnetic spectrum, and the signal is often weak. The tests thus require significant amounts of material at impractically high concentrations.

The team was encouraged they might find a way to enhance the signal by recent experiments showing that coupling certain molecules with metallic nanoparticles could greatly increase their response to light (see: http://www.bnl.gov/newsroom/news.php?a=11157). Theoretical work even suggested that these so-called plasmonic particles-which induce a collective oscillation of the material's conductive electrons, leading to stronger absorption of a particular wavelength-could bump the signal into the visible light portion of the spectroscopic fingerprint, where it would be easier to measure.

The group experimented with different shapes and compositions of nanoparticles, and found that cubes with a gold center surrounded by a silver shell are not only able to show a chiral optical signal in the near-visible range, but even more striking, were effective signal amplifiers. For their test biomolecule, they used synthetic strands of DNA-a molecule they were familiar with using as "glue" for sticking nanoparticles together.

When DNA was attached to the silver-coated nanocubes, the signal was approximately 100 times stronger than it was for free DNA in the solution. That is, the cubic nanoparticles allowed the scientists to detect the optical signal from the chiral molecules (making them "visible") at 100 times lower concentrations.

"This is a very large optical amplification relative to what was previously observed," said Fang Lu, the first author on the paper.

The observed amplification of the circular dichroism signal is a consequence of the interaction between the plasmonic particles and the "exciton," or energy absorbing, electrons within the DNA-nanocube complex, the scientists explained.

"This research could serve as a promising platform for ultrasensitive sensing of chiral molecules and their transformations in synthetic, biomedical, and pharmaceutical applications," Lu said.

"In addition," said Gang, "our approach offers a way to fabricate, via self-assembly, discrete plasmonic nano-objects with a chiral optical response from structurally non-chiral nano-components. These chiral plasmonic objects could greatly enhance the design of metamaterials and nano-optics for applications in energy harvesting and optical telecommunications."

This research was conducted at the Center for Functional Nanomaterials and funded by the DOE Office of Science and by the National Science Foundation.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/top_news/top_technology/~3/hrpWn2kSSTU/130628102933.htm

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Thursday, June 27, 2013

How men and women cooperate

June 26, 2013 ? While men tend to match their partners' emotions during mutual cooperation, woman may have the opposite response, according to new research.

Cooperation is essential in any successful romantic relationship, but how men and women experience cooperation emotionally may be quite different, according to new research conducted at the University of Arizona.

Ashley Randall, a post-doctoral research associate in the John & Doris Norton School of Family and Consumer Sciences in the UA's College of Agriculture and Life Sciences, has been interested for some time in how romantic partners' emotions become coordinated with one another. For example, if someone comes home from work in a bad mood we know their partner's mood might plummet as well, but what are the long-term implications of this on their relationship?

Randall wondered how the act of cooperating, a beneficial relationship process, might impact emotional coordination between partners.

"Cooperation -- having the ability to work things out with your partner, while achieving mutually beneficial outcomes -- is so important in relationships, and I wondered what kind of emotional connectivity comes from cooperating with your partner?" said Randall, who is also a research associate in the UA's department of psychiatry.

What she found in her recent study -- published in SAGE's Journal of Social and Personal Relationships -- were surprising gender differences.

She and her colleagues found that during high mutual levels of cooperation with a romantic partner, men typically experience an "inphase" response to their significant other's emotions. That is, if the woman in the relationship is feeling more positive, the man will feel more positive. If she feels less positive, he will feel less positive.

On the contrary, it seems women experience more of an "antiphase" pattern during high mutual cooperation. If her partner is feeling more positive, she will tend to feel less positive, and vice versa.

Take, for example, the following familiar scenario: A woman emerges from a department store fitting room and asks her husband what he thinks of a potential new shirt. He likes it, he says, hoping his time at the mall is nearing an end. So does the woman head straight to the cash register and make the purchase? Probably not. Chances are, her husband's enthusiasm won't be enough; she'll want to try on a few more shirts first.

Social psychology literature on cooperation tells us that women generally tend to cooperate more, while men often try to avoid conflict. Thus, men might be subconsciously syncing their emotions with their partners' during cooperation in an effort to avoid conflict or reach a speedy resolution, Randall says.

If that's the case, it's possible, although Randall's study didn't test for it, that women may pick up on the fact that their partner's agreeability is not entirely authentic. If she suspects he's not really as positive as he seems, or that he has an ulterior motive, she may become less positive herself in an attempt to get at his real feelings and reach a more mutually satisfying resolution, Randall suggests.

"If you think about a couple that is trying to cooperate with one another, the man might go along and say, 'oh sure, honey, this is great, are we almost done?' whereas the women might say, 'I'm so glad that you're happy, but I just want to talk about this one other thing because I think we're really getting at a resolution,'" Randall said.

In the end, Randall's results suggest that women may tend to serve as the emotional regulators during cooperation.

Randall based her findings on an analysis of 44 heterosexual couples who were videotaped having a conversation about their shared lifestyle related to diet and health. The couples were asked to watch the video back and, using a rating dial, provide momentary feedback about how they were feeling emotionally. Researchers analyzed the videos as well as the participants' responses to them.

Co-authored by the UA's Jesi Post, Rebecca Reed and Emily Butler, the study has implications for better understanding how romantic partners' emotions are connected.

"Cooperation is something that's invaluable and instrumental in a successful relationship but men and women experience it differently," Randall said. "This research provides another avenue to understanding how partners' emotions can become linked, but future research is needed on how these emotional patterns may ultimately contribute to the longevity, or demise, of the romantic relationship."

Source: http://feeds.sciencedaily.com/~r/sciencedaily/top_news/top_science/~3/IwR4WyNS8lE/130626113654.htm

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How a Fridge Full of Beer That Only Unlocks for Candians Gets Made

As part of a recent ad campaign, Canadian beer company Molson Candian took a fridge full of its special adult beverage all around Europe to share with the thirsty masses. But there was a catch?the only way to unlock the boozy treasure was by scanning a Canadian passport. And though you may have already seen the commercial itself making the rounds these past few days, chances are you haven't seen what's actually the coolest part of the whole campaign?how a Canuck-specific cooler gets made.

Read more...

    


Source: http://feeds.gawker.com/~r/gizmodo/full/~3/n-Z1DwA3pGw/how-a-fridge-full-of-beer-that-only-unlocks-for-candian-596858353

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Big global increase in 'legal highs'

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Big global increase in 'legal highs'
Governments everywhere are struggling to cope with an increase in new substances known as "legal highs", the UN's latest World Drug Report says.

Source: BBC News
Posted on: Wednesday, Jun 26, 2013, 8:19am
Views: 22

Source: http://www.labspaces.net/128798/Big_global_increase_in__legal_highs_

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Wednesday, June 26, 2013

Kendrick Lamar Says Yeezus Helps 'New Cats' Drake, J. Cole

Lamar tells MTV News he 'salutes' Kanye West's album for paving the way for newer rappers.
By Christina Garibaldi


Kendrick Lamar
Photo: Getty Images

Source: http://www.mtv.com/news/articles/1709638/kendrick-lamar-yeezus-kanye-west.jhtml

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Star is crowded by super-Earths

Scientists have identified three new planets around a star they already suspected hosted a trio of worlds.

It means this relatively nearby star, Gliese 667C, now has three so-called super-Earths orbiting in its "habitable zone".

This is the region where temperatures ought to allow for the possibility of liquid water, although no-one can say for sure what conditions are really like on these planets.

Gliese 667C is 22 light-years away.

Astronomers can see it on the sky in the constellation of Scorpius (The Scorpion).

Previous studies of Gliese 667C had established there were very probably three planets around it, with its habitable zone occupied by one super-Earth - an object slightly bigger than our home world, but very probably with a rocky surface.

Now, a team of astronomers led by Guillem Anglada-Escude of the University of G?ttingen, Germany, and Mikko Tuomi, of the University of Hertfordshire, UK, has re-examined the system and raised the star's complement of planets.

The researchers used a suite of telescopes including the 3.6m telescope at the Silla Observatory in Chile. This incorporates the high-precision Harps instrument. Harps employs an indirect method of detection that infers the existence of orbiting planets from the way their gravity makes a parent star appear to twitch in its motion across the sky.

Full to bursting

The planets' presence needs to be disentangled from this complex signal but the Harps instrument is recognised as having tremendous success in identifying smaller worlds.

Gliese 667C is a low-luminosity "M-dwarf" star just over one-third the mass of our Sun.

This means its habitable zone can be much closer in before temperatures make liquid water impossible. The team is now confident that three rocky worlds occupy this region at Gilese 667C.

"Their estimated masses range from 2.7 to 3.8 that of the Earth's," Mikko Tuomi told BBC News.

"However, we can only estimate the physical sizes by assuming certain compositions that is, well, only educated guessing.

"Their orbital periods are 28, 39, and 62 days, which means that they all orbit the star closer to its surface than Mercury in our own system. Yet, the estimated surface temperatures enable the existence of liquid water on them because of the low luminosity and low mass of the star."

These planets are said to completely fill the habitable zone. There are no more stable orbits in which to fit another planet.

That said, the team has found tantalising evidence for what may be another rocky world on the inner-edge of the zone.

Fruitful targets

The planets would need an atmosphere to sustain liquid water on their surfaces, but at a distance of more than 200 trillion km, there are no means currently to determine what the precise conditions are like or whether life would have any chance of establishing itself.

Nonetheless, Dr Tuomi believes M-dwarf stars are good candidates to go hunting for potentially habitable worlds.

They a small enough that close-in rocky planets will show up well in the Harps Doppler spectroscopy data, but they are also dim enough that those close-orbiting worlds will not be roasted.

"This discovery single-handedly demonstrates that low-mass stars can be hosts of several potentially habitable planets," explained Dr Tuomi.

"In practice, it means that we might have to double or treble our estimates for the occurrence rate of habitable-zone planets around M-dwarf stars.

"There might, in fact, be more habitable-zone planets in the Universe than there are stars, which makes it much easier for the future space missions to obtain images of these planets.

"So, although only a rather simple discovery, its implications might force us to re-think how common habitable-zone planets are in the Universe."

Jonathan.Amos-INTERNET@bbc.co.uk and follow me on Twitter: @BBCAmos

Source: http://www.bbc.co.uk/news/science-environment-23032467#sa-ns_mchannel=rss&ns_source=PublicRSS20-sa

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Allianz says new life policies need less capital

FRANKFURT (Reuters) - Allianz said its new life insurance products without long term interest rate guarantees will require less capital backing, benefiting both policy and share holders.

Europe's biggest insurer is launching the savings products in Germany early next month in response to low capital market interest rates and tighter European Union insurance regulations.

The policies will give the insurer more flexibility in using its risk capital than classical life insurance savings products that carry guaranteed interest rate, Allianz said on Tuesday.

"When we have more flexibility and less capital constraint, we can share more return with the customer," Allianz's Chief Financial Officer Dieter Wemmer said in a presentation to analysts and investors.

Wemmer said the new products combined the customer's perspective with that of the shareholder.

"We're offering a better deal for both of them," he said.

Low interest rates in the wake of the financial crisis have slashed the income insurers can earn from their investments in safe assets like government bonds, making the burden of meeting past pledges to policy holders increasingly onerous.

In addition, new EU safety rules for insurers known as Solvency II, due to come into force in the next few years, are expected to place a heavier capital burden on business with returns that are guaranteed over the lifetime of the policy.

Allianz, by far the biggest life player in its home market, will offer the new policies alongside traditional guarantee products and was not reacting to Solvency II in a "slavish" way, Wemmer said.

For several years, German insurers have been required to trim the minimum interest rate they are allowed to offer on the guarantee products.

The rate now stands at 1.75 percent for new policies, which further reduces to around 1 percent once insurers' costs have been deducted.

"Many customers ask if that's really a worthwhile promise," said Alf Neumann, a board member at Allianz's German life insurance unit.

Rival insurer Ergo has also reworked its product offering.

Allianz hopes its new policies will attract customers because they can offer a higher overall return if capital is not tied up to meet the annual guarantee.

As well as revamping its product line, Allianz is also seeking better yields from its investments.

In the presentation, Allianz's German life business said it aimed to double its exposure to alternative investments such as real estate, private equity funds, infrastructure and renewable energy to roughly 20 billion euros ($26.2 billion) in the medium term.

It also expected to ramp up its activity in direct debt financing in areas such as residential and commercial mortgage lending, as well as in corporate and infrastructure loans, bringing the total volume to around 25 billion euros in the medium term, from 16.3 billion euros now.

(Reporting by Jonathan Gould and Ludwig Burger; Editing by Elaine Hardcastle)

Source: http://news.yahoo.com/allianz-says-life-policies-less-capital-161326809.html

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Tuesday, June 25, 2013

Intel's working on DIY programmable home automation, we go eyes-on with its proof-of-concept (video)

Intel's working on DIY programmable home automation, we go eyeson with its proof of concept

The internet of things is growing, friends, and Intel knows it. From WiFi lightbulbs to smart thermostats and door locks, it seems that most everything in our homes will have some sort of connectivity in the not-so-distant future. That's why chipzilla's research arm has been working on a way to program all of those devices and make it easy enough so that any do-it-yourselfer can get her home working the way she wants it to. The key is getting all of these future devices to work together, and Intel's plan is to build a platform that'll talk to most any PCB (Arduino, Beagle Boards, etc.) over any wireless protocol (WiFi, Bluetooth, Zigbee, et al.).

A layer of middleware lets the bits of hardware talk to each other on an ad-hoc basis, so that say, when a baby monitor hears a crying child, it can tell a nearby stereo to tee up some soothing tunes to put him back to sleep automagically. The system actions are crafted using an easy-to-use HTML 5 programming environment, and will be deposited in a software library of modules that can be accessed by end users. Then, home automators can utilize a simple GUI editor to tailor their system to their wishes. We got to see a proof-of-concept system in person today, so head on past the break for a full video explanation and a demo of it in action.

Nicole Lee contributed to this report.

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Source: http://www.engadget.com/2013/06/25/intel-research-diy-programmable-home-automation/?utm_medium=feed&utm_source=Feed_Classic&utm_campaign=Engadget

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Great Scott! Eyes on the Grays Sports Almanac limited edition case for iPad

Being a huge Back To The Future nerd, as soon as I saw this, I had to have it. On the one hand, it's another iPad case. On the other hand it's so much more than just another iPad case. This one is fashioned after one of the key elements of Back To The Future II, the Grays Sports Almanac. In the movie, Old Biff used it to change his own future. This one just takes good care of your iPad.

The front and back covers are nicely padded, and when closed the whole thing is about as thick as a book. But much thicker than the book in the movie. And there's a spelling mistake on the spine. But that doesn't matter, not at all. Inside, a frame stitched to the main cover holds your iPad in nice and snug, and a pair of magnets on the top and bottom right corners hold the front cover closed.

I bought this because I'm a huge nerd for the movies, but it is also actually a pretty nice iPad case. At the moment this one is exclusive to Firebox here in the UK, though they will ship internationally. Price in local currency is ?19.99, and I think worth every penny. There's a few more images for you below, but tell me, who wants one?

  • ?19.99 - [Buy Now from Firebox.com]((http://www.firebox.com/product/6078/Back-To-The-Future-iPad-Case?via=hp&s=1x1&t=livefeed)

    


Source: http://feedproxy.google.com/~r/TheIphoneBlog/~3/TnyKwjc_ZGQ/story01.htm

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Take a Ride on the Roller Coaster With the World's Tallest Loop

Full Throttle is a brand new roller coaster at Six Flags Magic Mountain in Valencia, California. But it's not just any new thrill ride?it features the tallest vertical loop in the world. And this gravity-defying first-person perspective footage of the new loop de loop will twist your stomach into a Gordian Knot.

What should you expect? When you leave the station, the car blasts from zero to 70 miles as it launches furiously into a 160 foot-high loop. Then it quickly swerves up a curve, takes a left turn, and drops down a dive loop. Then it stops and you might think the ride was over, but oh wait! You're going backwards.

For the record, there are quite a few good reasons to visit Magic Mountain. It has 18 other roller coasters, making it the park with the most roller coasters in the entire world. But in the event you can't make it out to California, watching this video will at least make you feel like you're riding Full Throttle. Just try not to scream at your desk. [ABC, TheCoasterGuy, NoComment]

Source: http://gizmodo.com/take-a-ride-on-the-roller-coaster-with-the-worlds-tall-572502145

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CE Around the State ? July Edition | Reference Librarians ...

Welcome back to another month?s worth of continuing education events worth a look?July has a few interesting options to help get you through your post-ALA depression!

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WebJunction is offering three webinars of interest this month, starting with?Libraries, Children and Families: new research and policy recommendations on role of libraries in early reading on Tuesday, July 9 from 1-3 p.m.?Susan Hildreth, director of the?Institute of Museum and Library Services, present on a recent policy report, developed with the?Campaign for Grade-level Reading, that highlights the role of libraries in early learning. The report also offers a plan of action for policy makers to build on current research and include libraries in early learning strategies. Attendees will learn about best practices for enhancing reading programs and how to participate in your community?s efforts to address literacy concerns. In addition, Lee Rainie, director of the?Pew Research Center?s Internet & American Life Project, will describe the Project?s?newly released reportabout the special role that libraries play in the life of families with children. Attendees will learn what matters to parents about their library experiences with their children, and how library programs and outreach can address those needs. Register HERE FREE

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Visit some new or newly remodeled school libraries on Wednesday, July 10 from 9:00 to 12:00?on a SLING Field Trip to?Mascoutah High School library,?Belleville East High School, and?Eckerts. Optional lunch afterwards.?This will be worth 3 CPDUs. Register HERE FREE

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Social media is increasingly more than just a buzz word in Libraryland?you?ve got to start knowing how to actually use it if you want to stay ahead of the curve! That?s why you might want to check out WebJunction?s webinar?Library Social Media Use on Wednesday, July 17 from 1-2 p.m.?The webinar will cover how to create, administer, moderate, and leverage your library?s online presence. Some basic security settings for each social media tool will be discussed as well.?Presented by?Dr. Roberto Gallardo, project director,?Extension Broadband Education and Adoption Team?(e-BEAT) in Mississippi. Register HERE FREE

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Meet fellow library professionals to discuss library marketing ideas and topics at the West Suburban Marketing Roundtable (formerly DLS Marketing Group) Thursday, July 18 from 9:30 a.m. ? 12 p.m. at Messenger Public Library of North Aurora. Meeting is open to anyone, group meets four times per year. We ?You can also join its Google Group: https://groups.google.com/forum/#!forum/dls-marketing to receive up to date meeting information.?Please RSVP at mcoduto@oak-brook.org if you will be attending the meeting. Agenda suggestions are welcome. FREE

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WebJunction wraps up its July offerings with webinar?Localize, Mobilize, and Spotlight Your Library Services and Outreach Tuesday, July 23 from 1-2 p.m. It?s a?practical webinar looking at a variety of ways libraries can increase their impact and reach in their communities using mobile technology, social networking, and integration with the consumer services users already use. Register HERE FREE

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If your library serves patrons from any immigrant populations, you might be interested in?How to Create a ?Citizenship Corner? and Inform Immigrants about Available Health Resources, a meeting happening at Indian Prairie PLD on Tuesday, July 23 from 3:15-5:15 p.m.?Rachel Brooks, who is an Americorps Fellow working with the Illinois Coalition for Immigrant and Refugee Rights and who is assigned to World Relief DuPage, is working to implement a ?citizenship corner? in each library. This approach is based on a USCIS initiative from California which has recently been implemented with the City of Chicago libraries. The ?citizenship corner? would include a four-hour training for one or more people on staff at each library to be able to better help immigrants going through the citizenship process. Rachel will explain the idea of the citizenship corner and how it has been used at other libraries. She will be available to answer questions. For those libraries interested in participating, the training sessions will be in September.?Please email Joe Popowitch at joep@ippl.info if you can attend. FREE

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School librarians may want to attend the?RSA Back to School Workshop Wednesday, July 24 from 9:30 a.m.-3 p.m. at?the RAILS East Peoria Service Center, 600 High Point Lane in East Peoria.?The purpose of the Back to School Workshop is to discuss RSA topics that are relevant to school libraries: circulation, cataloging, reports, system administration, special projects, OCLC, and more! Any school library staff member who would like a ?refresher? on RSA operations is encouraged to attend this workshop. Please note RSA staff will not provide in-depth training during the RSA Back to School Workshop. Register HERE FREE

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Source: http://rlace.info/2013/06/23/ce-around-the-state-july-edition/

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Science fiction author Richard Matheson dead at 87

LOS ANGELES (Reuters) - U.S. science-fiction and horror author Richard Matheson, whose novels and stories, including "I Am Legend" and "The Shrinking Man," were adapted for the big screen and television, has died, the Writers Guild of America said on Monday. He was 87.

The Writer's Guild, of which Matheson was a member, did not announce where or when the author died nor a cause of death.

Matheson, who was born in Allendale, New Jersey, in 1926 and raised in Brooklyn, New York, first began publishing science-fiction and horror stories in the 1950s.

His 1954 horror novel "I Am Legend" is considered a landmark work in the genre, ushering in zombies and apocalyptic themes to post-World War Two America.

The novel was adapted three times as a film, most recently in 2007 as a big-budget thriller starring Will Smith.

Matheson also wrote the teleplay "Nightmare at 20,000 Feet" in 1963 for "The Twilight Zone" television series.

The episode, which stars William Shatner, has become a much-referenced TV classic with a famous shot of a gremlin peering into the window of the plane from its wing.

The author wrote the screenplay for 1971's "Duel," one of director Stephen Spielberg's first films.

He was credited as a writer on at least 80 film and television productions over his career spanning seven decades, according to the Internet Movie Database.

(Reporting by Eric Kelsey, Editing by Piya Sinha-Roy and Cynthia Osterman)

Source: http://news.yahoo.com/science-fiction-author-richard-matheson-dead-87-001500411.html

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Toews on track to play in Game 6, Bergeron iffy

BOSTON (AP) ? Chicago Blackhawks coach Joel Quenneville says forward Jonathan Toews is "100 percent ready to go" for Game 6 of the Stanley Cup Final against the Boston Bruins.

Quenneville says the Selke Trophy winner felt fine on Sunday and in the morning skate at the TD Garden on Monday.

The Bruins are a little less certain about Patrice Bergeron, who's their top forward. He did not participate in the team's morning skate. Coach Claude Julien says he feels confident Bergeron will play, but also discussed possible replacements.

Toews left Game 5 on Saturday night after a hit to the head. Bergeron's injury was not disclosed.

Game 6 of the Stanley Cup Final is Monday night. The Blackhawks have a 3-2 lead and can clinch their second NHL title in four seasons.

Source: http://news.yahoo.com/toews-track-play-game-6-bergeron-iffy-173131290.html

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Monday, June 24, 2013

Vertu TI now available in red or blue limited editions, only 1,000 of each made

Vertu TI now available in red or blue limited editions, only 1,000 of each made

It's been almost half a year since Vertu launched its first-ever Android phone, the TI, and now the company's decided to throw in a couple of limited editions to lure the big spenders. As pictured above, the new Vertu TI Colours collection is wrapped in either "Sunset Red" or "Midnight Blue" calf leather, and only 1,000 units are made for each color. As per typical Vertu style, there's a unique number etched on the back to indicate which of the 1,000 units yours is.

The rest of this hand-crafted, matt grey titanium phone remains unchanged otherwise, namely its 3.7-inch tough sapphire screen, Android 4.0, 1.7GHz dual-core Snapdragon S4, 64GB storage plus an 8-megapixel camera. And of course, the phone still comes with the famed Vertu Concierge, a "100 percent independent" service that CEO Perry Oosting is very proud of. To join this exclusive club, you'll have to somehow fork out a whopping HK$90,000 or €8,900 (about US$11,700) -- just a tad more expensive than the TI Titanium Pure Black edition, but also more flamboyant. This author already spotted these new phones at Vertu's Hong Kong Airport store, and he's currently accepting donations.

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Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/M9dFNTKwUEI/

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Sunday, June 23, 2013

Google ordered to delete 'Street View' data in Britain

British data watchdog group orders Google to delete personal data on the company's Street View project.?

By Danica Kirka,?Associated Press / June 21, 2013

Information Commissioner's Office gave Google 35 days to kill material captured in the company's Street View project that featured camera-toting vehicles shooting images of the world's streets.

AP Photo/Paul Sakuma

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Britain's data regulator Friday ordered Internet giant?Google?to delete personal data scooped up in its?Street?View?project ? or face a contempt of court action.

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The Information Commissioner's Office served?Google?Inc. with an enforcement notice, giving it 35 days to kill material captured in the project that featured camera-toting vehicles shooting images of the world's?streets.

To make sense of the pictures,?Google?had to be able to place precisely where the properties being photographed were located. Using a computer program, the vehicles taking the images used local Wi-Fi outlets to place the properties, and in doing so, collected snippets of data from the Wi-Fi networks.

The disclosure angered Internet users when it was first revealed in 2010, and Britain was one of several countries that launched inquiries. But it accepted?Google's?explanation that it had destroyed the material.

But last year,?Google?acknowledged that a handful of the discs had been discovered and the regulator promptly re-opened the investigation. US authorities raised concerns about the engineer who created the software.

However, investigators in Britain concluded there wasn't enough evidence on a corporate level to prove thatGoogle?had intended to collect personal data, and stopped short of imposing a penalty. In the United States, it paid a $7 million fine to settle a multistate investigation.

"The early days of?Google?Street?View?should be seen as an example of what can go wrong if technology companies fail to understand how their products are using personal information," Stephen Eckersley, the office's head of enforcement said in a statement.

The data regulator said the breach would have been worse had the data been disseminated.?Google?has insisted it was never examined.

Google?promised to comply with the order.

"We work hard to get privacy right at?Google," the company said in a statement. "But in this case we didn't, which is why we quickly tightened up our systems to address the issue. The project leaders never wanted this data, and didn't use it or even look at it."

The enforcement notice adds to the growing unease in Europe about whether?Google?was taking privacy concerns too lightly. France on Thursday gave the Internet search engine three months to be more upfront about the data it collects from users ? or be fined. Other European data watchdogs are also concerned.

Source: http://rss.csmonitor.com/~r/feeds/csm/~3/mkK3lXiaPXw/Google-ordered-to-delete-Street-View-data-in-Britain

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Alt-week 6.22.13: The LRO's fourth moon-year, a 3D brain and alien telegrams (video)

Altweek 62213 The LRO's fourth moonyear, the 3D brain and your alien telegrams

The moon is far from old hat. In fact, after exactly four years on the job, the Lunar Reconnaissance Orbiter (LRO) is just scratching its jagged surface. The dearth of info on our celestial neighbor isn't stopping us from trying to send personal space messages to a far-flung star system, though. Why? Blame it on our huge brains, which we've now mapped in detailed 3D. Yes, this is alt-week.

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Source: http://www.engadget.com/2013/06/22/alt-week-6-22-13-lro-3d-brain-alien-messages/?utm_medium=feed&utm_source=Feed_Classic&utm_campaign=Engadget

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'Under the Dome' helps break summer rerun spell

LOS ANGELES (AP) ? There's no summer break anymore for broadcast networks, with overachieving cable competitors regularly airing new series instead of succumbing to rerun laziness.

That's why NBC has "America's Got Talent," Fox is airing "So You Think You Can Dance" and ABC scheduled the flirty "Mistresses." Over at CBS, star students have teamed up for the ambitious "Under the Dome."

The 13-episode drama series debuting Monday is based on the best-selling Stephen King book and includes heavyweights Steven Spielberg, Neal Baer ("ER," ''Law & Order: Special Victims Unit"), Jack Bender ("Lost") and comic-book and TV scribe Brian K. Vaughan as executive producers.

Such firepower counts in this increasingly competitive season, said CBS Entertainment President Nina Tassler. It's even more crucial because CBS is rolling the dice with a drama, atypical first-run network fare in June.

"There is a lot of original content on-air during the summer, and there will be choices for viewers. Especially for us, for broadcast, we're looking for big-marquee auspices" such as those provided by King, Spielberg and their collaborators, Tassler said.

It's a smart move, said one industry analyst.

"It's about time networks put on these types of shows. Cable networks have been exploiting" broadcasting's seasonal weakness, said Brad Adgate of Horizon Media. "Putting on a high-profile series like this in summer is worth the gamble."

Tassler considers "Under the Dome" a safe bet, calling it the kind of escapist fare that "seemed to us to fit nicely as summer programming."

Escapist for viewers, just the opposite for the drama's characters. The premise is adapted from King's 1,000-plus-page book: The town of Chester's Mill (state unspecified) is abruptly enclosed by a mysterious, invisible dome. The residents can't leave and no one can come to their rescue.

How they carry on with daily life trapped in a social "pressure cooker" is the emotional heart of the story.

"Secrets bubble up because there's no place to hide. It's like Sartre's 'No Exit': Three people stuck together in a room, hell for eternity," Baer said, referring to the French writer's 1944 play.

For the people stuck in "Under the Dome," the questions are both existential and practical: "Why us? How are we going to live together, do we have the same government, how long will (the dome) be here, how do we sustain our lives?" he said.

While the premise is fantastical, the show strives to have a sense of realism for "our science-oriented friends and viewers," said Baer, himself a physician whose early entertainment credits include writing for NBC's "ER."

How permeable the dome is to elements including air, water and radio waves will be answered, he promised.

The summer slot allowed for a solid ensemble cast, Baer said. Hiring was done last winter, before other producers and studios had tied up actors for the flood of pilot episodes taped for the 2013-14 season.

Working with the casting directors of "The Walking Dead" and "Breaking Bad," Baer and his fellow producers picked actors including Dean Norris (federal drug agent Hank Schrader on "Breaking Bad") and Rachelle Lefevre ("A Gifted Man").

CBS executive Tassler said there was no arm-twisting to get Spielberg and the other big names to buy into the scheduling.

"At the end of the day, what do creators want? They want to be seen by as many people as possible. They want creative support and marketing support," she said.

Viewing levels (and typically ad rates) drop during the season's longer, warmer days as travel and outdoor activities draw people's attention away from TV sets and mobile devices. But producers who want to cultivate their network ties and opportunities recognize the value in helping expand broadcasting to year-round.

Helping make the business model work: The digital rights were sold to online retailer Amazon, with its Amazon Prime subscribers able to stream episodes four days after CBS airs them and after they stream on CBS.com.

There's no downside to a summer run, Baer said.

"We love it. We love going June 24 to September. There are no interruptions, no repeats. It's very predictable for viewers: You get a dose every week and then you're done," he said.

For now, maybe. While "Under the Dome" is considered a limited-run series in terms of its number of episodes ? a baker's dozen compared with the 22 or so that air during the regular September-to-May season ? that doesn't mean it's one summer and done.

The producers have "such a clear vision of where this show is going. We're prepared for success," Tassler said, confidently. "Under the Dome" could return next summer and there might be a "winter cycle" as well, she said.

That has to send a shiver down the collective spine of imprisoned Chester's Mill.

___

Online:

http://www.cbs.com/

Source: http://news.yahoo.com/under-dome-helps-break-summer-rerun-spell-195455884.html

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CUNY Teacher Education Programs Win Praise for Excellence ...

The City University of New York?s teacher-education programs, which have had continuous, marked success in preparing the next generation of students for 21st century classrooms, are engaged in many initiatives to further enhance teacher preparation.

CUNY?s nine campuses with teacher-education programs are fully accredited by the National Council for Accreditation of Teacher Education, which is now known as the Council for the Accreditation of Educator Preparation, the recognized accrediting agency in the field. Those programs are at Brooklyn, Hunter, Lehman, Medgar Evers, Queens and York Colleges, as well as City College, the College of Staten Island and New York City College of Technology. CUNY candidates achieve high success rates ? well over 90 percent ? on the state certification exam that all candidates take.

CUNY is in the lead nationally and locally in diversifying the teacher workforce. The combined percentage of CUNY black and Hispanic graduates, and of graduates employed by the New York City Department of Education, is double the national workforce percentage (approximately 33 percent at CUNY for both groups combined vs. 14 percent nationally).

Symbolic of the high level of teacher preparation at CUNY are its distinguished partnerships. CUNY?s City College is the exclusive higher educational institution partner in New York State for Math for America ? a privately funded nonprofit that awards $100,000 stipends, payable over five years, to a select group of graduate students who commit to teaching math in New York City?s public secondary schools. The highly competitive program covers the cost of a three-semester master?s in secondary math education, and draws top students from CUNY campuses and undergraduate institutions including Colgate, Columbia, Georgetown, Haverford, and the University of California-Berkeley.

Another measure of CUNY?s quality is its status as a major partner in Lincoln Center Arts Education, which prepares candidates in arts education at Brooklyn, City, Hunter, Lehman, and Queens Colleges.

About The City University of New York:
The City University of New York is the nation?s leading urban public university. Founded in New York City in 1847, the University is comprised of 24 institutions: 11 senior colleges, seven community colleges, the William E. Macaulay Honors College at CUNY, the CUNY Graduate School and University Center, the CUNY Graduate School of Journalism, the CUNY School of Law, the CUNY School of Professional Studies and the CUNY School of Public Health. The University serves more than 269,000 degree credit students and 218,083 adult, continuing and professional education students.College Now, the University?s academic enrichment program, is offered at CUNY campuses and more than 300 high schools throughout the five boroughs of New York City. The University offers online baccalaureate degrees through the School of Professional Studies and an individualized baccalaureate through the CUNY Baccalaureate Degree. Nearly 3 million unique visitors and 10 million page views are served each month via www.cuny.edu, the University?s website.

Source: http://www1.cuny.edu/mu/forum/2013/06/21/cuny-teacher-education-programs-win-praise-for-excellence-diversity/

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