Monday, January 16, 2012

Concerns about Romney's faith quieter but not gone (AP)

GREER, S.C. ? The second time around, the shock has worn off.

The prospect of a Mormon president appears to be less alien to South Carolina Republicans who are giving Mitt Romney a second look after his failed White House bid in 2008.

Still, worries about his faith persist in a state where one pastor jokes there are "more Baptists than people." Voters preparing for the Jan. 21 presidential primary are weighing whether Romney's religion should matter so much when they cannot pay their bills and a Democrat many distrust occupies the White House.

"Although Romney's faith is still a matter of some discussion, it is less of a political problem for him than it was in 2008," said Jim Guth, a political scientist at Furman University in Greenville, in South Carolina's conservative upstate. "Most Republicans have a generally positive view of Romney, even evangelical Christians."

Four years ago, the Romney campaign directly took on suspicion about The Church of Jesus Christ of Latter-day Saints. Conservative Christians, including Protestants and Roman Catholics, do not consider Mormons to be Christian, although Mormons strongly do.

The former Massachusetts governor courted evangelical pastors and formed a national faith-and-values steering committee. Romney gave a major 2007 speech in Texas, modeled on John F. Kennedy's pivotal 1960 address on Catholicism, that promised "no authorities of my church or of any other church for that matter" would influence his policies.

This time, Romney has no formal religion committee and rarely mentions his faith unless asked.

In an appearance Thursday in a motorcycle dealership in Greer, he said the election was about "the soul of America" and described the national debt as a moral issue. He called "America the Beautiful" a "national hymn." (The music was, in fact, originally composed by a church organist for a hymn.)

The only direct mention of religion at the event came from the South Carolina state treasurer, Curtis Loftis. In a speech introducing Romney, Loftis noted that he was a Baptist.

By contrast, at South Carolina barbecue joints and churches, Texas Gov. Rick Perry has been giving what evangelicals call personal testimony of how he accepted Christ at age 14.

Former Pennsylvania Sen. Rick Santorum, a social conservative and Roman Catholic who's sometimes mistaken for an evangelical Protestant, recently asked an audience in Greenville to pray for his campaign.

"It's a tough battle every day out there," Santorum said. "And we need that hedge of protection."

Appeals like these are almost expected in a state where Christianity is so much part of daily life.

As Romney arrived in Columbia for the first time since his New Hampshire primary victory, churches around the state were welcoming families for the weekly food, fellowship and Bible study that is a Wednesday night tradition in evangelical churches throughout the South.

In 2008, 60 percent of Republican voters in the South Carolina primary identified themselves as born-again Christians, according to exit polls.

Underscoring the focus on religion in this state, if not the skepticism about Romney's faith, the second question from the audience at a town hall-style event in Hilton Head on Friday was whether he believes "in the divine saving grace of Jesus Christ?" His answer: "Yes, I do."

Oran Smith, president of the Palmetto Family Council, a conservative policy group based in Columbia, said the state "is sort of an evangelical-permeated culture."

Smith said South Carolina "is strongly influenced by very large churches. Even for those who just go to church for the ritual of it, the values people preach have become part of people's worldview."

The Romney campaign is making a play for these votes with a focus on values, according to Mark DeMoss, a senior adviser to Romney and veteran public relations executive who represents evangelical pastors and ministries.

The campaign released a new radio ad Friday that asserts, "Today Christian conservatives are supporting Mitt Romney because he shares their values: the sanctity of life, the sacredness of marriage and the importance of the family."

A glossy brochure that began arriving in South Carolina mailboxes last weekend noting Romney has been a lifelong member of the same church. It didn't say which one. The detail also can read as a dig at former House Speaker Newt Gingrich, who left Lutheranism and converted to Southern Baptist, then Catholic.

The underlying message of Romney's generic faith language is "I'm just like you," said John Green, a specialist in religion and politics at the University of Akron, Ohio,

"It's kind of like an inoculation to say, `I'm good on these values. Now let's talk about the economy,'" Green said. "He wants to get past a potential criticism."

Romney has acknowledged that there are some votes he'll never win.

In the upstate city of Easley, the Rev. Brad Atkins, president of the South Carolina General Baptist Convention, has posted an email exchange on his church website with a local reporter on his objections to the LDS church.

"Romney's Mormonism will be more a cause of concern than Gingrich's infidelity," Atkins wrote. Christians can forgive sin, the pastor said, "but will struggle to understand how anyone could be a Mormon and call themselves a Christian."

Hector Chavez, a Roman Catholic and Republican voter in Columbia, said he can't support Romney and neither can many people he knows. "As a Christian, I can't vote for somebody who can't lead us in a Christian way," Chavez said. He's leaning toward voting for Perry.

Yet, even Atkins ended his website post by predicting that most Christians will vote based on economic, not moral, concerns.

While he made the comment ruefully, he inadvertently highlighted what evangelical leaders have been struggling to explain ever since the 1980s emergence of the Christian right: Christian conservatives don't just vote on religion, not in South Carolina or anywhere else.

South Carolina has one of the most dramatic examples of how political pragmatism can co-exist with faith.

Bob Jones III, chancellor of the fundamentalist Christian school Bob Jones University in Greenville, stunned many when he endorsed Romney in the 2008 primary.

Fundamentalists generally steer clear of anyone with even the most minor difference over Scripture. But Jones said the country elects a president not a preacher. This past week, Jones said through a spokeswoman that he hasn't endorsed anyone so far in the 2012 primary.

Romney supporters often compare his plight to that of Kennedy, who overcame widespread prejudice to become the first Catholic president.

Charles Wilson, director of the Center for the Study of Southern Culture at the University of Mississippi, said the story of the Rev. Jerry Falwell may be more apt for this election cycle as a model for Christian conservatives. When Falwell was building the Moral Majority in the 1980s, he set aside deep theological differences with Catholics and worked closely with them against abortion.

"Evangelicals have been willing to make alliances with groups you never would have imagined," Wilson said.

Maybe Mormons will be next.

____

Associated Press reporters Brian Bakst and Kasie Hunt contributed to this story.

____

Rachel Zoll is on Twitter at http://www.twitter.com/rzollAP

Source: http://us.rd.yahoo.com/dailynews/rss/politics/*http%3A//news.yahoo.com/s/ap/20120116/ap_on_re/us_rel_the_mormon_factor

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IPad Frame Bag Clamps to Your Bike

I have given up trying to mount an iPad up on my touring bike’s handlebars. While having heads-up maps displayed would be handy, the things just too darn big, and too hard to secure safely. A frame-bag, on the other hand, is almost as convenient and has the advantage of better security and not acting [...]

Source: http://feedproxy.google.com/~r/GearFactor/~3/VXDe22N9WLI/

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Sunday, January 15, 2012

AP source: House Republicans got discounted loans

(AP) ? Two veteran House Republicans received discounted mortgage loans from the now-defunct Countrywide Financial Corp. under a VIP program, a congressional official said Friday.

The discounts went to Reps. Howard McKeon and Elton Gallegly of California, said the official, who was not authorized to speak publicly about the loans and requested anonymity. Their identities were first reported by The Wall Street Journal.

The House Oversight and Government Reform Committee has been investigating whether members of Congress received VIP discounts. The Associated Press reported previously that four House members had received the discounts. One of the four remains unidentified publicly.

Records show that Rep. Edolphus Towns, D-N.Y, also received discounts. Towns told the AP previously that he was not aware of receiving any discounts. McKeon and Gallegly told the Journal that they also were not aware of receiving discounted loans and did not know their mortgages were processed by the VIP unit.

The Journal said the 1998 loan to McKean, who is chairman of the Armed Services Committee, totaled $315,000. Gallegly's 2005 loan totaled $77,000 in 2005.

Rep. Darrell Issa, R-Calif., chairman of the oversight committee, informed both lawmakers that documents received from Bank of America ? it bought Countrywide ? showed they went through the special unit.

Issa has sent the information to the House Ethics Committee, which determines whether House members violated standards of conduct. A discounted loan could be considered a gift. Gifts are virtually banned under House rules.

None of the lawmakers has been accused by the ethics panel of any wrongdoing, and may never be if they convince investigators they had no knowledge of the discounts.

Countrywide was the nation's largest mortgage company and played a major role in the U.S. financial crisis by issuing subprime loans. The company also had its VIP program, with some of the favored customers known as "Friends of Angelo" ? a reference to chief executive Angelo Mozilo.

Mozilo in 2010 agreed to more than $67 million in penalties in a settlement with the Securities and Exchange Commission.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/89ae8247abe8493fae24405546e9a1aa/Article_2012-01-14-Countrywide-House/id-b5b2b7c02ffd4c7d9411484626e0041d

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Brutal winter leaves Alaska pining for fuel

Living in Alaska's outer reaches is challenging enough, given the isolation and weather extremes, but at least three remote communities also have experienced weather-related late deliveries of fuel so crucial to their survival during an especially bitter winter.

The iced-in town of Nome and the northwest Inupiat Eskimo villages of Noatak and Kobuk faced fuel shortages that illustrate the vulnerability of relying solely on deliveries by sea or air, potentially subjecting communities to the mercy of the elements. The villages, which just received their fuel, are especially vulnerable, unable to afford more additional storage tanks for gasoline and heating oil, which can run as high as $10 a gallon.

Compounding a problem with no easy answers, temperatures dipping as low as minus 60 over the past few weeks means air deliveries are delayed at the same time people are consuming more fuel more quickly. Some people in both villages also use wood-burning stoves for supplemental heat, but diesel is the critical commodity.

"It's been pretty tough," Noatak resident Robbie Kirk said of life in the community of 500, which finally received a fuel delivery on Tuesday, three days after the village store ran out of heating oil. "We usually have a nice reserve of fuel. Now we're just playing catch-up."

Nome missed its pre-winter delivery of fuel by barge when a huge storm swept western Alaska. In a high-profile journey, a Coast Guard icebreaker has cut a path in thick sea ice for a Russian tanker delivering 1.3 million gallons of fuel to the community of 3,500.

Without a fuel delivery, Nome would likely run out of certain petroleum products before the end of winter and a barge delivery becomes possible in late spring.

Until recently, the situation was much more dire for the smaller communities of Noatak and Kobuk, located farther north above the Arctic Circle, where relentless extreme cold prevented fuel deliveries by plane until this week, residents say.

Before the new supply of fuel arrived in Noatak, the village store borrowed some heating oil from the village water and sewer plant, said store manager Connie Walton. But filling the store's two 23,000-gallon tanks has diverted any potential crisis.

"We're good for another month and a half," Walton said.

Residents in Kobuk also were highly relieved by an air shipment of heating oil that arrived Wednesday in the village of 150 people about 175 miles to the east. It's been too cold for people to use their snowmobiles much, so gasoline isn't as much of a concern, said City Clerk Sophia Ward. Running low on the diesel used to warm homes was another matter.

"I'm glad that it came in today," Ward said Wednesday. "It'll keep our elders warm."

In Noatak, residents once had fuel shipped by barge on the Noatak River, but that has long been impossible since the river shifted and became shallow there.

Two years ago, residents began tapping into another source of fuel, thanks to the Red Dog zinc mine 40 miles to the northeast. The mine in 2009 began a program to sell gasoline and diesel to Noatak and another close neighbor, the village of Kivalina. The fuel is sold at cost, said mine spokesman Wayne Hall.

"This is strictly for what we can do to help out our closest community members," he said. "Energy and heating costs are one of the biggest costs to families in this region."

The program lets individuals buy fuel on Saturdays every three weeks at a staging area about 23 miles from the village. This winter, they can buy gas in 55-gallon drums calculated at $4.89 a gallon. Villagers also bring their own drums to fill with diesel fuel at $4.35 a gallon.

The latest Red Dog fuel day for Noatak took place on the day the village store ran out of diesel. So villagers formed a convoy of about 30 snowmobiles and freight sleds, and headed out in weather marked by temperatures of 47 below and, for the first 10 miles, dense fog, said Kirk, who regularly takes advantage of the sales.

"It basically cuts my heating fuel in half," he said. "It's pretty critical for me."

The state also helps lower the soaring cost of electricity in Alaska's rural areas, spending almost $32 million in fiscal year 2011 through its Power Cost Equalization program, which subsidizes residential electric rates and the power bills of community buildings. Power in most villages is diesel-generated.

Running low on fuel is an occasional challenge faced by rural communities in Alaska, and sometimes the weather plays a significant role in air deliveries, said Rob Everts, owner of Everts Air Cargo, whose planes deliver fuel to both Noatak and Kobuk. But there can be other factors as well, such as waiting until the last minute to place orders, he said, stressing that he was speaking generally and not pointing fingers at any particular community.

"Weather is not always bad," he said. "It's about planning in some cases, anticipating what's coming in the dead of winter."

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

Source: http://www.msnbc.msn.com/id/45998455/ns/weather/

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Saturday, January 14, 2012

Homeless whiz kid will get a new home

Samantha Garvey and her family had been living in a Long Island shelter for several days when they got word that the 17-year-old aspiring marine biologist made it to the semifinals of the prestigious national Intel science competition.

Now, with donations coming in and the county finding them rent-subsidized housing, she'll again be able to do her homework in a home of her own.

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"This is just the most amazing thing you could ask for," the diminutive Garvey said at a news conference Friday, surrounded by her parents, brother, sister and a cadre of politicians and school officials.

"We're all in tears here," she said after Suffolk County Executive Steve Bellone announced that the Department of Social Services had located a nearby three-bedroom house where the family could live. "This is what we've always wanted."

Garvey is one of 300 teenagers nationwide named this week as semifinalists in the prestigious Intel science competition; finalists will be announced at the end of January. She spent more than two years researching the effects of the Asian short crab on the mussel population in a Long Island salt marsh.

"What Sam found was that, like anyone, after being attacked you develop a tough skin of shell," said her science research teacher, Rebecca Grella. "These mussels were able to increase their thickness and protect themselves against their predator."

Grella noted the link between Garvey's challenges and those of the mollusks she studied.

"I do believe that is an amazing metaphor," Grella said, "and I do see Sam as a strong mussel."

Evicted on New Year's Eve
The Brentwood High School senior, who has applied to Yale and Brown universities, was evicted along with her family from their home on New Year's Eve. Her mother, Olga, a nurse's assistant, was out of work for eight months following a car accident in February. Her father, Leo, could not keep up with the bills alone on his salary as a cab driver.

Housing prices on Long Island are among the highest in the country, even in Brentwood, which has struggled with gang violence in recent years. A three-bedroom home there recently sold for $291,000, according to Lisa Kennedy, a broker with Eric G. Ramsay Associates. A three-bedroom ranch is renting for $1,800 a month, she said.

The Garveys will pay 30 percent of their monthly income to rent the county-owned property, officials said.

Gregory Blass, the county commissioner of Social Services, said the family was already known to officials because they were staying in a shelter, making them eligible to move into the house. He said the county works to place about 30 to 40 homeless families a month from shelters into apartments or homes. He insisted that the Garveys received no preferential treatment because of Samantha's notoriety.

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The house is undergoing renovations and should be ready for the Garveys in about 10 days, Bellone said.

Leo Garvey, Samantha's father, said that after the eviction he took his family to a hotel for a week because he did not want them spending New Year's in a homeless shelter. But he finally had to contact Suffolk County Social Services for help last week; they were then placed in a shelter.

Nationwide coverage
This week came the accolades for Samantha's scientific feat, and the offer for the family to live in a home of their own. Her story has gotten coverage nationwide.

Once sponsored by Westinghouse, the Society for Science and the Public has been running the competition since 1942. Over the decades, contest finalists have gone on to some of the greatest achievements in science. Seven have won a Nobel Prize.

Before the eviction, the Garveys had rented a home for six or seven years, Leo Garvey said. And before that, the family had also lived in homeless shelters from time to time; Leo Garvey described himself as a recovering alcoholic.

Samantha said that she had worried for several months before the eviction, knowing that her mother was ailing and money was tight.

"I ordered a senior picture and I said, 'I don't know where to send it. I don't know what's going to happen. What if we move, what if we get evicted,' which we did," she said. "You're out in limbo. You're like, 'What's going to happen to my mail, what's going to happen to my college applications. Where are they all going to go?' It's scary."

In addition to the county housing, officials said the Marriott Corp. is donating "several thousand dollars" of furniture for the family to use. Others have offered to pay kennel fees for the family pit bull.

"It's unbelievable; the outpouring of help that we've had," said Leo Garvey. He made reference to a news conference also held Friday in Suffolk County announcing the latest winner of a Mega Millions lottery jackpot. "I feel richer than that $208 million winner."

Associated Press writer David B. Caruso and AP researcher Judith Ausbel in New York contributed to this report.

More from NBCNewYork.com

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

Source: http://www.msnbc.msn.com/id/45987883/ns/technology_and_science-science/

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3 Reasons an Insurance Lapse is Bad for Business

Lapse in Insurance?(according to?III.org):

?The termination of an insurance policy because a renewal premium is not paid by the end of the grace period.?

insurance lapse

The term ?Lapse in Coverage? might send a shiver down the spine of many small business owners and well it should. ?Most small business owners fight tooth and nail, scraping together dollars, explaining away their late payments, and in some cases signing waivers of?subrogation?and statements of no loss just to avoid a lapse in insurance.

A lapse in insurance coverage can happen for a couple different reasons.? Examples include:

  • Unintentionally?(or intentionally)?not paying your bill?(a.k.a. Cancel for non-payment).
  • Your business may not meet the inspection requirements of new insurance carrier.
  • You may not get your renewal paperwork back to the carrier by the due date.
  • You may be saddled with a huge audit bill and not be afforded coverage until your audit adjusted premiums are paid off.

There are also cases where a small business may purposefully cancel coverage for a set amount of time in order to save cash flow during periods of inactivity. ?A good example is an exterior contractor closing up shop for the winter.

And for all intensive purposes canceling your insurance or not paying your bill or being too busy to get your paperwork in the insurance carrier in time might be completely legitimate and honest and to some extent the right thing to do.

What I want to make you aware of today are the repercussions of an insurance lapse because no matter what your reasons for incurring a lapse in insurance there are penalties that you are most likely not aware of.

3 Reasons an Insurance Lapse is Bad for Business:

A lapse of more 30 days can lead to the loss of a ?Continuous Coverage? discount given by most carriers.

  • Most insurance carriers both personal and commercial lines give a discount for maintaining constant coverage. ?This includes when switching from one carrier to another. Continuous coverage shows stability within a business which is something insurance carriers reward.

A lapse in coverage can result in the loss of long-tail Products / Completed Operations Coverage.

  • If you are with an insurance carrier for say five years, the Products / Completed Operations portion of your liability policy covers you for work done throughout those five years. ?So if you are sued for something you did four years ago even if it?s not an ongoing project your liability carrier will respond. ?If you have a lapse you lose that long-tail coverage.

A lapse will cause your business to lose goodwill with insurance underwriters.

  • This is especially painful for small business owners who must deal with commercial insurance underwriters. ?In most instances, commercial insurance is written on a case by case basis. ?Insurance agents, such as myself, must sell (in a matter of speaking)?the underwriter on why that particular business is a good fit that particular insurance carrier. ?If your small business has a lapse or a couple lapses over a period of time the number of underwriters who want to write the policy will be less. ?Which means your premiums will most likely be higher.

Obviously all three of these scenarios assume that you have insurance, then have a lapse, and then get insurance back.

The?repercussions?of having an insurance lapse and not getting new coverage is that you don?t have any insurance. ?Which means no defense costs, no general liability, no property coverage, no nothing.??We won?t get into that nightmare today.

The Rub

What I?m trying to get at here is that a lapse in your insurance is Bad. Far too often I see insurance consumers, especially small businesses, have a relatively cavalier attitude towards their insurance. ?Insurance is not an expense is it a necessity to the small business. Without insurance?your business is exposed to an infinite number of catastrophic loses and that is bad for business.


Insurance Lapse Photo via Shutterstock

About the Author

Ryan Hanley Ryan is a licensed insurance agent in Albany, NY. He is also the creator of Strategies in Content Creation where he writes on social media, blogging and content creation. Find out the availability for Ryan to speak on new technology and strategies in content creation.

Connect with Ryan Hanley:

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Source: http://smallbiztrends.com/2012/01/3-reasons-insurance-lapse-is-bad-for-business.html

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Friday, January 13, 2012

Japan arrests woman who lived with cult fugitive (AP)

TOKYO ? A woman claiming to have lived with a senior member of the doomsday cult behind the 1995 nerve gas attack on Tokyo's subways turned herself in and was arrested Tuesday for helping him evade police for nearly 17 years.

Akemi Saito, also a member of Aum Shinrikyo, gave herself up after Makoto Hirata surrendered to police on New Year's Eve, according to police and Saito's lawyer.

Hirata has refused to explain how he managed to keep underground for so long despite being one of Japan's most-wanted fugitives.

He is suspected of involvement in a cult-related kidnapping-murder in 1995. Later that year, Aum Shinrikyo released sarin nerve gas in Tokyo's subways, killing 13 and injuring more than 6,000.

Saito's lawyer said she lived with Hirata most of the time he was on the run, and police charged her with aiding a fugitive. But the lawyer, Taro Takimoto, said she should be considered as Hirata's common-law wife, which would exclude her from that charge.

Takimoto said Saito has admitted to using an alias and moving frequently to avoid detection. She worked a number of jobs, from coffee shop waitress to health clinic receptionist.

"She said this was the first time she has used her real name in 17 years," he said.

He refused to comment further.

Hirata's sudden reapperance has shocked Japan.

Police initially brushed off Hirata when he tried to turn himself in because they did not recognize him and thought it was a hoax.

According to court testimony, cult members kidnapped, murdered and then burned the body of Kiyoshi Kariya, the brother of a follower trying to quit the group. They put Kariya's body in an incinerator inside the cult's commune and disposed of the ashes in a nearby lake.

Public broadcaster NHK said Hirata has told police he drove Kariya to the compound but has denied other allegations.

Hirata was one of the last three wanted cult members. Nearly 200 members of the cult have been convicted in the gas attack and dozens of other crimes. Thirteen, including cult guru Shoko Asahara, are on death row.

Hirata is also suspected in the near-fatal shooting of Japan's top police official, but the high-profile case was closed last year after the statute of limitations expired.

The cult, renamed Aleph, once had 10,000 members in Japan and claimed another 30,000 in Russia. It still has hundreds of members. The cult is under police surveillance and its new leaders have publicly disavowed Asahara, though he is still believed to be revered by some followers privately.

Source: http://us.rd.yahoo.com/dailynews/rss/asia/*http%3A//news.yahoo.com/s/ap/20120110/ap_on_re_as/as_japan_doomsday_cult

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