Christian credit counseling - When to Consider Christian Credit ...

Sometimes falling into a financial crisis isn't something that we bring on ourselves. Plenty of things can put a strain on a person's finances today. Whether it's job loss, an unexpected medical situation, or something as tragic as a car accident or fire - there are ways that you can get your credit back on track legally and probably faster than you would assume. If you're interested in taking advantage of a service that offers financial advice and assistance while still keeping your beliefs in mind - a Christian credit counseling service may be the perfect option for you.

Your Situation: Analyzed

One of the first things that a Christian credit counseling service will do is analyze your current financial situation. By taking a look at your assets versus what you owe, your agent should be able to draw up a plan that will work best in your particular situation. For example, if you are able to make small monthly payments and just cannot afford the current minimum payment due to increased interest rates, a debt consolidation will probably work best. This is something that your agent will discuss in-depth with you to ensure that you fully understand your available options.

Planning for the Future

Another valuable service that a Christian credit counseling services may provide is budget planning. While you may have watched your financial situation spin out of control, there's no reason that the same thing needs to keep happening again and again. By drawing up a concrete plan with a credit specialist, you'll be able to see exactly where you stand in the future. Whether you're planning to be at a certain point on a certain date, or you'd just like more stability down the road - your credit counselor will help you get to your ideal financial state.

Avoid the "B Word"

The one thing that most people turn to credit counseling services for is to avoid bankruptcy. Filing for Chapter 7 can be devastating, and it can also have negative long-term effects, as well. Don't put yourself or your family into a situation like that. By doing all that you can before things get to the point of no return, you'll be able to create a stable financial future that will allow you to live the life you've always wanted to live. Whether it's getting back on your feet, finally buying a house, or paying off those credit card bills once and for all - don't let anything stand in the way of taking control of your debt.

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Glance at the bailout of Spain's trouble banks

MADRID (AP) ? On Friday, finance ministers from the 17 countries that use the euro approved the terms of the bailout of Spain's troubled banking sector.

Here is a glance at the aid package's main points:

?The EU will provide up to ?100 billion ($122.87 billion) for Spanish banks struggling under a mountain of non-performing loans, foreclosed property and other unwanted assets resulting from the collapse of the country's real estate market. The precise figure will depend on how much each bank needs, and this will be determined after detailed portfolio assessments and stress tests due to be completed in September. Leading Spanish banks, such as Banco Santander SA, are not expected to need any help.

?Money from the bailout will be used to help the banks recapitalize and shore up their balance sheets against the prospect of further shocks in the Spanish economy. Spain is currently in its second recession in three years and saddled with a nearly 25 percent unemployment rate.

?The money will be available until the end of next year, and most recapitalization operations are expected to be completed in June of 2013.

?Funds will initially come from the EU's existing bailout mechanism, known as the EFSF ? the same one used in the bailouts of Greece, Ireland and Portugal. The goal is for the money eventually to flow from a planned permanent mechanism, the ESM, directly to the needy banks, rather than to the Spanish government as will be the case at the outset. Under both arrangements, when it comes to repaying, the EU's loans will not take precedence over debt owed to other creditors ? a crucial point for private investors worried that they might not be paid back.

?Toxic assets will be segregated from Spanish banks into an Asset Management Agency, essentially a 'bad bank.' Spain's toxic assets are expected to total about ?200 billion euros.

?The EU has not said what interest rate it will charge. Spain says the rate will be variable and depend on conditions in the money market. Spanish Economy Minister Luis de Guindos has said it would be under 4 percent.

?The average term of the loans will be 12.5 years, and the maximum 15.

?A first tranche of ?30 billion euros will be made available by July 31. But it will be held in reserve by the bailout fund and disbursed only in the event of emergency. The size of the other tranches will be determined depending on the needs of the Spanish banks.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2012-07-20-Europe-Financial%20Crisis-Glance/id-1f89fa5ddb15469cb40a23115f7b8f7e

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'Seeds' of massive black holes found at the center of the Milky Way galaxy

ScienceDaily (July 20, 2012) ? Many galaxies contain enormous amounts of molecular gas in small areas near their nuclei. Highly condensed molecular gas is a birthplace of lots of stars. Moreover, it is considered to closely relate to activities of galactic nuclei. Therefore, it is important to investigate the physical state and chemical properties of molecular gas at galaxy centers through observation. To obtain detailed observation data, it is best to survey the center of the Milky Way Galaxy in which our solar system exists.

The research team observed emission lines at wavelengths of 0.87 mm, emitted from carbon monoxide molecules in an area of several degrees that includes the center of the Milky Way Galaxy. The ASTE 10 m telescope in the Atacama Desert (4,800 meters above sea level) of Chile was used for observation. More than 250 hours in total were spent on the prolonged observation from 2005 to 2010.

The research team compared this observation data with data of emission lines at wavelengths of 2.6 mm, emitted from carbon monoxide molecules in the same area, which were obtained using the NRO 45m Telescope (Note: 1). When intensity values of emission lines at different wavelengths, emitted from carbon monoxide molecules, are compared, it is possible to estimate temperature and density of molecular gas. In this way, the research team succeeded in drawing detailed distribution maps of "warm, dense" molecular gas of more than 50 degrees Kelvin and more than 10,000 hydrogen molecules per cubic centimeter at the center of the Milky Way Galaxy for the first time ever.

Oka, the research team leader, said, "The results are astonishing." The "warm, dense" molecular gas in that area is concentrated in four clumps (Sgr A, L=+1.3?, L=-0.4?, L=-1.2?). Moreover, it turns out that these four gas clumps are all moving at a very fast speed of more than 100 km/s. Sgr A, one of the four gas clumps, contains "Sagittarius A*," the nucleus of the Milky Way Galaxy. Oka added, "The remaining three gas clumps are objects we discovered for the very first time. It is thought that 'Sagittarius A*' is the location of a supermassive black hole that is approximately 4 million times the mass of the sun. It can be inferred that the gas clump 'Sgr A' has a disk-shaped structure with radius of 25 light-years and revolves around the supermassive black hole at a very fast speed."

On the other hand, the team found signs of expansion other than rotation in the remaining three gas clumps. This means that the gas clumps, L=+1.3?, L=-0.4?and L=-1.2?, have structures that were formed by supernova explosions that occurred within the gas clumps. The gas clump "L=+1.3?" has the largest amount of expansion energy. Its expanding energy is equivalent to 200 supernova explosions. The age of the gas masses is estimated as approximately 60,000 years old. Therefore, given that the energy source is the supernova explosions, the supernova explosions have continued to occur every 300 years.

The research team used the NRO 45m Telescope again to further examine the molecular gas's distribution, motion and composition to determine whether supernova explosions caused the expansion. "Observation clearly showed that the energy source of L=+1.3? is multiple supernova explosions. We detected multiple expansion structures and molecules attributed to shock waves," Oka said about the excitement when observing it. "Based on the observation of L=+1.3?, it is also natural to think that the expanding gas clumps L=-0.4? and L=-1.2? derived energy from multiple supernova explosions," Oka added.

A supernova explosion is a huge explosion that occurs when a star with more massive than eight to ten times the mass of the sun ends its life. Such a high occurrence of supernova explosions (once per 300 years) indicates that many young, massive stars are concentrated in the gas clumps. In other words, this means that there is a massive "star cluster" in each gas clump. Based on the frequency of the supernova explosions, the team estimated the mass of the star cluster buried in L=+1.3?as more than 100,000 times the mass of the sun, which is equivalent to that of the largest star cluster found in the Milky Way Galaxy.

As just described, the star cluster is huge, but it had not been discovered until now. "The solar system is located at the edge of the Milky Way Galaxy's disk, and is about 30,000 light-years away from the center of the Milky Way Galaxy. The huge amount of gas and dust lying between the solar system and the center of the Milky Way Galaxy prevent not only visible light, but also infrared light, from reaching the Earth. Moreover, innumerable stars in the bulge and disc of the Milky Way Galaxy lie in the line of sight. Therefore, no matter how large the star cluster is, it is very difficult to directly see the star cluster at the center of the Milky Way Galaxy," Oka explained.

"Huge star clusters at the center of the Milky Way Galaxy have an important role related to formation and growth of the Milky Way Galaxy's nucleus," said Oka. According to theoretical calculations, when the density of stars at the center of star clusters increases, the stars are merged together, one after another. Then, it is expected that IMBHs with several hundred times the mass of the sun are formed. Eventually, these IMBHs and star clusters sink into the nucleus of the Milky Way Galaxy. It can be thought that the IMBHs and star clusters are then merged further, and form a massive black hole at the Milky Way Galaxy's nucleus. Alternatively, the IMBHs and star clusters could help expand an existing massive black hole.

It can be thought that the supermassive black hole at "Sagittarius A*," the nucleus of the Milky Way Galaxy, has also been grown up through these processes. In summary, the new discovery is the finding of "cradles" of IMBHs that become "seeds" of the supermassive black hole at the nucleus.

"We would like to observe IMBHs in the star cluster. Actually, our observation data has already indicated traces of IMBHs," Oka said. One of the newly discovered gas masses, "L=-0.4?," contains two small gas clumps moving at a very fast speeds. If it is confirmed that these small gas clumps are rotating, it can be inferred that there are "invisible huge masses" at the center of the gas clumps. These "invisible huge masses" are likely to be IMBHs hidden in the center of the star cluster. Professor Oka expects developments in future research, saying, "In order to confirm the existence of IMBHs, we are planning to conduct further observations. The new discovery is an important step toward unraveling the formation and growth mechanism of the supermassive black hole at the Milky Way Galaxy's nucleus, which is a top-priority issue in galactic physics."

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Story Source:

The above story is reprinted from materials provided by National Astronomical Observatory of Japan.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.

---

Journal Reference:

1. Tomoharu Oka, Yui Onodera, Makoto Nagai, Kunihiko Tanaka, Shinji Matsumura, Kazuhisa Kamegai. ASTE COJ= 3-2 SURVEY OF THE GALACTIC CENTER. The Astrophysical Journal Supplement Series, 2012; 201 (2): 14 DOI: 10.1088/0067-0049/201/2/14

Note: If no author is given, the source is cited instead.

Disclaimer: Views expressed in this article do not necessarily reflect those of ScienceDaily or its staff.

Source: http://www.sciencedaily.com/releases/2012/07/120720083011.htm

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How to Pirate Movies, Music, TV Shows, and Books Without Getting Caught [Video]

Last time we did this, we were talking about software. This time, let's talk media. That is movies, music, TV shows, and everything else the copyright lawyers scream about. More »

Source: http://feeds.gawker.com/~r/gizmodo/full/~3/MY0_qjYcevE/how-to-pirate-movies-music-tv-shows-and-books-without-getting-caught

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Bulgaria releases video of bomber in attack on Israelis

Bulgarian authorities have released a video of the suspected suicide bomber behind a deadly attack on Israeli tourists that Israel has blamed on Iran.

US investigators from the FBI joined the investigation into Wednesday's bombing of a bus at a Black Sea airport that killed six people and wounded more than 30 as international condemnation of the attack grew.

Israel on Thursday blamed Iran and the Lebanese group Hezbollah. Iran described the accusations as "ridiculous".

Five tourists were killed at the scene. The Bulgarian driver died later in hospital, officials said. Thirty-two people were wounded.

The remains of the Israeli victims arrived early Friday at Ben Gurion airport in Tel Aviv.

The five coffins, with Israeli flags draped over them, were taken off a military plane that landed at 12:30 am Friday (2130 GMT Thursday). Dozens of mourning relatives had gathered for the plane's arrival.

Israel published the names of those killed. They were identified as four men in their twenties -- Yitzhik Kolengi, Amir Menashe, Elior Priess, and Maor Harush -- and Kochava Shriki, 44, who was pregnant.

The funerals will take place on Friday.

Many of the wounded, including teenagers, also arrived back in Tel Aviv after being flown home by the Israeli air force.

They included a pregnant woman and a young girl who was carrying a sandal because her right foot was wrapped in bandages.

Many had been taken in wheelchairs to ambulances to board the flight home, some still with their blood-stained holiday clothes on.

"The suicide bomber, wearing shorts and carrying a backpack, looked like any other tourist," said Bulgarian Interior Minister Tsvetan Tsvetanov.

Authorities released a video showing a white man with long hair, possibly a wig, and sunglasses wandering around Burgas airport.

Tsvetanov said he appeared to be aged about 26 and had a fake driving licence from the US state of Michigan.

The authorities had taken fingerprints and were being helped by the FBI, Interpol and Europol to discover the bomber's identity, the minister said.

The explosion ripped through the bus as around 50 Israeli tourists arriving from Tel Aviv were loading their bags before travelling to a nearby holiday and gambling resort.

Witnesses described how panicked passengers jumped from bus windows and bodies lay strewn on the ground with their clothes torn off.

"I would have lost my life in a split-second, had I not jumped out of the bus's window," survivor Moshe Moseri told Israeli news website Walla, describing seeing "corpses on the floor with their arms and legs severed".

Israeli Prime Minister Benjamin Netanyahu said the attack was part of "a global campaign of terror carried out by Iran and Hezbollah".

US President Barack Obama condemned the "barbaric" bomb attack.

"I want everybody to know, under my administration, we haven't just preserved the unbreakable bond with Israel, we have strengthened it," Obama told a mainly elderly audience at a campaign event in West Palm Beach.

The diplomatic Quartet on the Middle East peace process -- the European Union, Russia, the United Nations and United States -- branded the attack as "brutal" and an "act of cowardice" against innocent victims.

The UN Security Council said in a statement it "condemned in the strongest terms the terrorist attack aimed at Israeli tourists".

Iran's state television said Israel's "ridiculous" accusations were "aimed at creating an anti-Iranian atmosphere" amid rising tensions over Tehran's nuclear drive which the West suspects is aimed at building atomic weapons.

"The Zionist regime, which is responsible for terrorist acts organised in Lebanon, Palestine and against Iranian nuclear scientists... is launching baseless accusations against other countries to forget its own terrorist nature," a foreign ministry spokesman said.

The bomber struck on the 18th anniversary of an attack on a Jewish community centre in Argentina that killed 85 people and was also blamed on Iran.

On top of the condemnation, several countries have increased security, including Cyprus and Bulgaria's neighbour Austria.

Burgas airport reopened under heavy security with all traces of the attack removed, although the bomb site remained off-limits behind police tape.

A cordon was set up around the airport building where people had to have all bags checked.

Austria, which is home to about 10,000 Jews, said it had taken extra security measures at Jewish community buildings, airports and for groups of Israelis in the country.

The bus wreckage was loaded on to a truck and taken away, along with another bus that also caught fire in the blast and which had a large blood stain down its side.

Israel and Bulgaria have good relations and the Black Sea coast has become a popular holiday spot for Israelis, with almost 140,000 visiting the country in 2011. About 13 percent of the Bulgarian population is Muslim.

Source: http://news.yahoo.com/bulgaria-releases-video-bomber-attack-israelis-031333813.html

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Development at Pinnacle - Apartment Careers

The intern will be exposed to all real estate development activities from pre development due diligences through construction completion stage and finally the transition of an asset to property management. The interns main duties include packaging of financing materials, management of pre-development and design activities, participation in construction and marketing meetings, and project financial reporting. Additionally, the development intern will be responsible for real estate research, completing real estate development reports and other duties assigned by the development asset managers. The development intern will be exposed to:

Maintain a positive attitude and be a team player.

Qualifications:

Special Licenses and/or Certificates:

None

Education and/or Experience:

Experience in real estate development or finance desirable but not required.
Working towards a BA or BS degree in business, economics, finance, real estate, or other related field.

Computer Skills:

To perform this job successfully, an individual must have knowledge of: Internet Explorer; Microsoft Excel; Microsoft Outlook; Microsoft Word; Windows Operating System and be proficient in typing.

Other Skills and Qualifications:

Highly organized, self-motivated with ingenuity and able to handle multiple priorities and tasks.
Strength of character and flexible style to work successfully with a range of people from peers, property staff, contractors, and vendors.
High level of integrity, honesty, and respect for others in both their personal and business relationships.

Physical Demands:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Work Environment:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.

I CERTIFY THAT I HAVE READ THIS JOB DESCRIPTION, IT HAS BEEN EXPLAINED TO ME AND I UNDERSTAND MY DUTIES AND RESPONSIBILITIES AS STATED HEREIN.
__________________________________________________ __________________________________
Employee Signature Date

Prepared By: Brad Reisinger and Tim Dickerson Prepared On: 4/13/12
Approved By: Approved On:

Exhibit A
General Competencies Required:

Intellectual: Organization:

demonstrates attention to detail conserves organizational resources
identifies and resolves problems in a timely manner shows respect and sensitivity for cultural differences
gathers and analyzes information skillfully promotes a harassment-free environment
develops alternative solutions treats people with respect
uses reason, even when dealing with emotional topics strives for personal and organizational excellence
assesses own strengths and weaknesses inspires the trust of others
displays critical/creative thinking works ethically and with integrity
possess necessary expertise to accomplish all tasks follows policies and procedures
seeks self improvement completes tasks correctly and on time
learns new skills to improve job performance supports organization's goals, values, and policies

Interpersonal: Self Management:

strives for continuous improvement and solicits customer feedback to improve service completes tasks on time or notifies appropriate person with an alternate plan
timely response to requests for information, service, and assistance observes safety and security procedures; reports unsafe conditions
maintains confidentiality displays willingness to make decisions
demonstrates a positive and productive attitude measures self against standard of excellence
displays self-control and keeps emotions under control, even under pressure follows instructions and responds to management directions
remains open to others' ideas and tries new things uses equipment and materials according to policy
speaks clearly; listens and gets clarification takes responsibility for own actions
exhibits objectivity and openness to others' views prioritizes and plans work activities
able to read and interpret written information manages competing demands; uses time effectively
writes clearly, accurately, and concisely is consistently at work and on time

Leadership:

looks for ways to improve and promote quality; makes recommendations for improvements able to deal with frequent changes, delays, or unexpected events
positive role model; exhibits confidence in self and others accepts responsibility; follows or exceeds organizational standards
demonstrates accuracy and thoroughness uses resources effectively and efficiently
teaches, coaches, inspires, mentors, empowers others anticipates and plans accordingly
exhibits sound and accurate judgment and logical reasoning works to improve team and organizational climate

Source: http://jobs.apartmentcareers.com/jobs/4850208/summer-intern-development

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Florida Morning: Zimmerman does first interview; drop in jobless rate exaggerated

By: Matt Dixon (matt.dixon@jacksonville.com, @Mdixon55)??

Florida Morning?appears every weekday.?Subscribe via e-mail.?

ZIMMERMAN: TRAYVON?S DEATH WAS ?GOD?S PLAN?: After saying he did not regret any of his actions the night he killed Trayvon Martin, George Zimmerman backtracked and apologized to America Wednesday night in his first interview since the shooting that polarized the nation nearly five months ago. Miami Herald http://hrld.us/Op8Hy5

JOBLESS NUMBERS EXAGGERATED: State economists have cast a cloud over Florida?s sunny economy recovery picture, releasing data showing nearly 70 percent of the drop in the state?s unemployment rate since December has been due to discouraged workers, reports the News Service of Florida: http://bit.ly/LXrEtP

MACK CONTINUES BATTLE WITH TIMES: ?Rep. Connie Mack IV's is continuing to pick a fight with the Tampa Bay Times and political editor Adam C. Smith. Tampa Bay Times http://bit.ly/Q89827

Howdy, it's Thursday and this is Florida Morning, your daily digest of political news around the Sunshine State. Nasty mailer hits Tom Lee, Rachel Burgin says she knows nothing, and Mica-Adams debate canceled.

NASTY MAILER: Political dirty tricks spawned by lobbyists' grudges against former state Senate President Tom Lee have erupted in an east Hillsborough County Senate primary, earning a reprimand from state GOP Chairman Lenny Curry. Tampa Tribune http://bit.ly/NyKFBd

I KNOW NOTHING: State Rep. Rachel Burgin told The Tampa Tribune on Wednesday afternoon she is not behind the controversial campaign mailer that attacked the personal life of Tom Lee, her GOP primary opponent for the District 24 State Senate seat. Tampa Tribune http://bit.ly/NFZByo

MICA-ADAMS DEBATE CANCELED: A day after the Orlando Sentinel announced it would sponsor and host an Aug. 27 debate between U.S. Reps. John Mica of Winter Park and Sandy Adams of Orlando, the plans collapsed after Adams said she can?t make it. Orlando Sentinel: http://thesent.nl/MtkBFB

NO-HOLDS-BARRED: Is there a South Florida primary legislative race nastier than the one between Republican Reps. Jose Felix Diaz and Ana Rivas Logan? Miami Herald http://bit.ly/MlgkFP

?ENRON? JOE AND ?LYING? GLORIA: The race to topple Miami Republican Rep. David Rivera is getting a little nasty. Miami Herald: http://bit.ly/Ml9zDY

DENTISTS PAYING FOR FRED COSTELLO?S POLLING: GOP congressional candidate Fred Costello, a dentist by trade, is getting help from some of his own. Florida Times-Union http://bit.ly/LtlCv0

FOP BACKS LEGG: http://bit.ly/LXqApY

NASSAU SUPERINTENDENT SUPPORTS ADKINS? OPPONENT: Republican?House candidate Cord Byrd Wednesday announced?education-related endorsements, including some from the home county of his opponent, state Rep. Janet Adkins, R - Fernandina Beach. Florida Times-Union http://bit.ly/NyKjKS

OUTSIDE THE DISTRICT: Two South Florida state representatives running for reelection appear to have used taxpayer money to send office mailers to residents outside of their current districts ?- a no-no under House policy. Miami Herald http://bit.ly/NxUvmS

BOG SPOX RESIGNS: Kelly Layman, who has served as spokeswoman for the Florida Board of Governors amid some particularly tumultuous times recently in higher education, is stepping down. Tampa Bay Times http://bit.ly/Q7Sa3R

BUILDERS BACK RICHARD CLARK: http://bit.ly/Q8GGx9

TEA PARTY EXPRESS PICKS RUBIO: U.S. Sen. Marco Rubio is the overwhelming choice for the Republican vice presidential pick in a nationwide survey of Tea Party Express supporters. Tampa Bay Times http://bit.ly/NNgJgz

MARION OFFICIALS BACK OELRICH: http://bit.ly/MK7T2J

WELDON GETS 17 PERCENT IN COMMISSIONED POLL: GOP U.S. Senate candidate Dave Weldon is touting a new poll he commissioned?showing him getting 17 percent of Florida Republicans support against the presumed Republican nominee?U.S. Rep. Connie Mack IV. Orlando Sentinel http://thesent.nl/P2eJlF

TOM SLADE SUPPORTING AARON BEAN: Tom Slade, former head of the Duval County and state Republican Party, is backing Aaron Bean?s state Senate bid, the campaign announced Wednesday. Florida Times Union http://bit.ly/MwANJY

BULLARD UPDATES CAMPAIGN FINANCE REPORT: Days after missing the deadline to file his campaign finance report for the second quarter of 2012, a review of Senate candidate Dwight Bullard?s campaign expenses shows a payment to a convicted felon once accused of ballot stuffing. SaintPetersBlog http://bit.ly/Lylgb6

TOLL LANES: After steering legislation through Congress allowing toll lanes to be added to Interstate 4, U.S. Rep. John Mica is now taking credit for?.blocking toll lanes on Interstate 4. Florida Times-Union http://thesent.nl/M93I26

PERSONNEL NOTE: http://bit.ly/LXsmqZ

OPINION PAGE

HERALD: EVERGLADES GETS FIGHTING CHANCE: http://hrld.us/PjkK0R

POST: DEMOCRATS SHOULD NOT PLAY CHICKEN WITH GOP ON TAXES http://bit.ly/NBWXGa

TRIBUNE: A MORE UNITED FRONT AGAINST MENTAL ILLNESS http://bit.ly/SJn41p

SENTINEL: HOW SHOULD STATE TAXES CHANGE: http://bit.ly/SJn2GR

SUN: IT?S NOT OVER: http://bit.ly/NkfdYX

TIMES-UNION FLORIDA MUST GET SMART WITH PRISONS http://bit.ly/SJne8X

____________________________________________________________________________________

You have Twitter, I have Twitter...let's make this happen.

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