Report: Agent says Milan is first choice for Tevez

By DANIELLA MATAR

AP Sports Writer

Associated Press Sports

updated 10:55 a.m. ET Nov. 26, 2011

MILAN (AP) -Carlos Tevez's agent says a move to AC Milan is the Argentina striker's preferred option as he seeks to end a controversial spell at Manchester City, according to an Italian newspaper.

Kia Joorabchian had a two-hour meeting with Milan vice president Adriano Galliani at the club's headquarters on Thursday.

"It was a constructive dialogue which left me feeling happy," Joorabchian was quoted as saying in an interview published Saturday in Gazzetta dello Sport. "Milan is the best solution at the moment, his first choice. Carlos wants to wear the Milan shirt."

City manager Roberto Mancini has said that Tevez's decision to return to Argentina without permission had ended any hope the forward had of playing for the Premier League club again.

Tevez has still not returned to Manchester and recently missed a scheduled meeting with the Premier League leaders to discuss his future.

Mancini refused to answer questions about the matter in his weekly news conference Friday, emphatically stating, "I do not want to speak about Carlos Tevez."

Tevez has not played since apparently refusing an instruction from Mancini to warm up during a Champions League game against Bayern Munich in September.

City fined Tevez four weeks' wages last month but was forced to halve it after England's players' union intervened.

"In reality the problem is only with Mancini, not with the club," Joorabchian added. "Carlos has been clear with the club, the only consequence was a fine.

"However, it's obvious they're interested in resolving the situation."

Massimiliano Allegri's team is not the only option in Italy for Tevez. Juventus is also said to be interested but a meeting with the player's representatives on Friday was reportedly postponed.

Inter Milan had an offer rejected by City in the summer according to Joorabchian. Inter coach Claudio Ranieri is remaining coy on whether the club is planning to renew its efforts in January.

"Are you convinced Inter isn't interested in Tevez?" Ranieri said Saturday. "I've aroused your suspicions now by saying that."

Tevez is under contract with City until 2014. It will reportedly cost ?4 million ($5.3 million) to take the 27-year-old forward on loan and a further ?20 million ($26.5 million) to make the transfer permanent in the summer. A stumbling block could be the wages, with Tevez earning around ?10 million ($13.2 million) a season at City.

"I don't think problems should be talked about with his wages seeing as all big players earn high salaries," Joorabchian said. "However, we didn't talk about the economic aspect with Galliani."

Milan is hunting for a striker, with Antonio Cassano set to miss the rest of the season as he recovers from heart surgery.

Tevez, however, would not be eligible for the Champions League after featuring for City against Napoli at the beginning of the campaign.

Tevez has long been linked with a move to Italy, despite the Argentina striker saying several times he wishes to return to South America to be closer to his family, including his two daughters who live with his wife in Buenos Aires.

The 2009 recruit from Manchester United was City's top scorer during its run to the FA Cup title last year that ended a 35-year trophy drought.

However, the season was not without controversy for the City captain after he handed in a written transfer request in December, saying that his relationship with "certain executives and individuals at the club" was beyond repair.

Tevez later retracted his request but seemed destined to leave the club during the summer.

Despite saying he would not return to Manchester even for a holiday, he failed in his attempts to secure a transfer in the offseason back to Brazilian club Corinthians, which he left in 2006 to join West Ham.

? 2011 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

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Have Republicans 'gone off the rails' by endorsing waterboarding? (The Week)

New York ? Herman Cain and Michele Bachmann give the controversial Bush-era interrogation technique a thumbs up ? and liberals gasp in horror

During Saturday's GOP presidential debate, Herman Cain and Michele Bachmann revived one of the most spirited arguments over the war on terrorism by promising to revive the Bush administration policy of waterboarding terrorism suspects to get them to talk. Sen. John McCain, the GOP's 2008 nominee and a former prisoner of war in Vietnam, said he was "very disappointed" to hear candidates advocating the use of simulated drowning, which both McCain and his former rival?President Obama flatly called "torture." Is it a bad move to embrace a policy that has been at the root of some of the most damning criticism of George W. Bush's presidency?

This made the whole GOP field look bad: "There is no reasonable argument that waterboarding is not torture" ? we prosecuted Japanese officials for doing it in World War II, says Doug Mataconis at Outside the Beltway. Plus, "there's plenty of evidence that it doesn't work at all." The fact that so many candidates are still for it ? Rick Perry likes waterboarding, too ? makes it appear that the entire GOP presidential field has "gone off the rails."
"Republicans for waterboarding"

Liberals are just trying to make Republicans sound crazy: The GOP candidates know waterboarding is controversial, says Ken Shepherd at News Busters. They just disagree with President Obama, and view simulated drowning as a legitimate enhanced interrogation technique in certain, limited cases. But instead of simply reporting the news, the pro-Obama, liberal media is trying to use this difference of opinion "to attack the Republican presidential field as insane."
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Unfortunately, conservative voters lap this up: "That there's still even 'debate' over whether the United States should engage in torture is a national embarrassment," says Steve Benen at Washington Monthly. But in the post-Cheney GOP, "it's become practically a party norm to support torture techniques that America used to consider unthinkable." Sadly, pledging to revive waterboarding makes you sound presidential to GOP voters, not crazy.
"Republicans return to the torture 'debate'"

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Sprint cuts broadband price after 2 weeks (Reuters)

NEW YORK (Reuters) ? Sprint Nextel cut broadband wireless prices for its fastest data service customers after just two weeks to better compete with rivals AT&T Inc and Verizon Wireless in the holiday shopping season.

Sprint on Monday began charging $50 a month for 6 gigabytes of data downloads to tablets, mobile hotspots or laptop data cards running on its fastest service, which runs on the Clearwire Corp mobile network.

This compares with the $60-a-month fee for 5 gigabytes of data that Sprint started charging on Nov 1, when it eliminated unlimited-use plans for its WiMax broadband customers, making its service more expensive than that of its bigger rivals.

Sprint, the No. 3 U.S. mobile provider, has been working to recoup subscriber losses by positioning itself as a provider for more cost-conscious customers than its rivals.

Monday's change means that Sprint customers will get a gigabyte more data for the same price as the fee paid by customers of Verizon Wireless and AT&T, which both charge $50 a month for 5 gigabytes.

Sprint's move, which does not apply to smartphone customers, comes ahead of the holiday shopping period, often the carrier's busiest time of the year.

Verizon Wireless, a venture of Verizon Communications and Vodafone Group Plc, tried to position itself better for the holidays with a promotional rate that doubled its subscribers' data allowances.

Sprint still offers service plans with unlimited data usage for a flat fee to its smartphone customers.

Sprint also cut its price for heavier data users with an $80 per month plan for 12 gigabytes of data compared with its previous offer of 490 for 10 gigabytes of data. In comparison, Verizon Wireless charges $80 a month for 10 gigabytes of data.

(Reporting by Sinead Carew; editing by Gunna Dickson)

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Kurdish government, ExxonMobil ink oil search deal

FILE - In this May 31, 2009 file photo, an employee works at theTawke oil fields in the semiautonomous Kurdish region in northern Iraq. A Kurdish official says the Kurdish government has signed a deal with ExxonMobil to explore oil fields in northern Iraq, a move that puts them in sharp conflict with Iraq's national government. (AP Photo/Hadi Mizban, File)

FILE - In this May 31, 2009 file photo, an employee works at theTawke oil fields in the semiautonomous Kurdish region in northern Iraq. A Kurdish official says the Kurdish government has signed a deal with ExxonMobil to explore oil fields in northern Iraq, a move that puts them in sharp conflict with Iraq's national government. (AP Photo/Hadi Mizban, File)

FILE - In this May 31, 2009 file photo, an employee works at the Tawke oil fields in the semiautonomous Kurdish region in northern Iraq. A Kurdish official says the Kurdish government has signed a deal with ExxonMobil to explore oil fields in northern Iraq, a move that puts them in sharp conflict with Iraq's national government. (AP Photo/Hadi Mizban, File)

FILE - In this June 1, 2009 file photo, Kurdish president Massud Barzani, right, and Iraqi President Jalal Talabani open a ceremonial valve during an event to celebrate the start of oil exports from the autonomous region of Kurdistan, in the northern Kurdish city of Irbil, Iraq. A Kurdish official says the Kurdish government has signed a deal with ExxonMobil to explore oil fields in northern Iraq, a move that puts them in sharp conflict with Iraq's national government. (AP Photo/Safin Hamed, Pool, File)

SULAIMANIYAH, Iraq (AP) ? The Kurdish regional government has signed a deal with ExxonMobil to explore oil fields in northern Iraq, Kurdish officials said Sunday, putting them in sharp conflict with Iraq's national government.

The government in Baghdad wants to control all energy contracts signed in Iraq. With the deal, ExxonMobil becomes the first oil major to do business in the Kurdish region in defiance of the central government's wishes.

The deal was announced Sunday by Kurdish officials at an oil and gas conference in Irbil in comments carried on Kurdish television. Details of the deal were published on Friday by the Financial Times newspaper.

The Kurdistan Regional Government has clashed with Baghdad over who has the right to sign deals with international oil companies to develop Iraq's vast energy resources.

The Kurds, who control three provinces in northern Iraq, want to be able to sign contracts with international oil companies to develop their own fields, while Baghdad maintains it has final authority.

Kurdish officials have already signed a number of contracts with smaller energy companies, but the deal with ExxonMobil is significant because it's the first with an international oil major.

At the conference, Kurdish Natural Resources Minister Ashti Hawrami vowed to press ahead.

"These deals are legal. There is no legal problem about them. We will go on with these deals," he said.

The Iraqi government thinks differently. Following the Financial Times story, the Iraqi government on Saturday issued a statement slamming the agreement.

"The Iraqi government will deal with any company that breaks its laws in the same way that it has dealt with similar companies in the past," said Deputy Prime Minister Hussain al-Shahristani in a statement.

The central government has previously blacklisted energy companies that signed contracts with the Kurdish government, so that they cannot work in the rest of the country or purchase crude oil.

Even so, it remained unclear what steps, if any, the central government will take against ExxonMobil, which is already developing one of Iraq's biggest oil fields. ExxonMobil is working with Royal Dutch Shell PLC to develop the 8.6 billion West Qurna Stage 1 field near the southern city of Basra.

An official at al-Shahristani's office said the deal between ExxonMobil and the Kurdish government was signed on Oct. 18. He said company representatives met with al-Shahristani to discuss the deal, but the deputy prime minister refused to approve it because it was outside the purview of the Oil Ministry.

The official did not want to be identified because he was not authorized to speak to reporters.

ExxonMobil has not commented.

Iraq sits on the world's third-largest oil reserves, with at least 115 billion barrels.

Iraq has been struggling to develop its oil and gas reserves after years of war, international sanctions and neglect. Foreign companies with the resources and expertise to develop the oil fields, such as ExxonMobil, are seen as key to helping revive the nation's vital energy sector.

__

Associated Press writers Qassim Abdul-Zahra and Rebecca Santana in Baghdad contributed to this report.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2011-11-13-ML-Iraq-Oil/id-f550d66a4e8347d4abbf42bb1c465bc1

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SalesVu Raises $600K For Square-Like Mobile Payments Service

SalesVu, a new mobile payments application and SaaS solution designed for distributed sale teams, has closed $600,000 in angel funding, the company is announcing today. Like Square, SalesVu's service includes a dongle that attaches to an iPhone or iPad, allowing its users to process mobile payments on the go using a mobile app. But unlike Square, the gadget doesn't plug into the headphone jack - it uses the iPhone or iPad's main port instead. The dongle also offers hardware encryption, something which Square's competitors have criticized?the company for not including. In addition, SalesVu takes Square head on in terms of pricing: it's just 2.7% for all transactions (swiped or keyed in) compared with Square's 2.75% (for swiped transactions only).

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China's Hu urges bigger voice for emerging nations (Reuters)

HONOLULU (Reuters) ? President Hu Jintao sought to soothe the nerves of foreign businesses over market conditions in China on Saturday and vowed to boost his country's global role amid growing uncertainty and trade protectionism.

"The new mechanism for global economic governance should reflect the changes in the world economic landscape," Hu told executives at the Asia-Pacific Economic Cooperation (APEC) summit in Honolulu.

"It should observe the principle of mutual respect and collective decision-making and increase the representation and voice of emerging markets and developing countries," he said, urging a more "balanced partnership" for development and governance.

Hu and U.S. President Barack Obama, who spoke at the same forum shortly after the Chinese leader, have not seen eye to eye on how to address pan-Pacific trade among the 21 APEC members during the annual summit.

Relations between Washington and Beijing are beset by disagreements over China's trade and currency practices, U.S. arms sales to Taiwan, China's military buildup in the Pacific and China's human rights record.

China has been reluctant to sign trade deals that would subject it to U.S-led efforts to further open its economy to foreign players because that would put pressure on its state-owned enterprises.

The differing views were captured on Friday in a politely pointed exchange between American and Chinese trade officials, when the U.S. trade representative refuted China's claim that it had not been invited to join a regional free-trade pact being negotiated by at least nine countries.

On Saturday, Hu said China was committed to free trade in the Asia-Pacific but also called for progress in the stalled Doha round of trade talks at the World Trade Organization.

"We should advance the Doha round negotiations and endeavor to reap an early harvest agreement within this year on giving tariff-free, quota-free products from the least-developed countries," Hu said, adding the world should "firmly oppose and jointly resist protectionism." (Reporting by Michael Martina; Editing by John O'Callaghan)

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TCU upsets No. 5 Boise St 36-35 (AP)

BOISE, Idaho ? Casey Pachall threw a 25-yard touchdown pass to Brandon Carter with 1:05 left, then connected with Josh Boyce on the go-ahead 2-point conversion, and Boise State's Dan Goodale booted a 39-yard field-goal attempt wide right as time expired to give TCU a 36-35 victory against the fifth-ranked Broncos on Saturday.

Pachall threw for 473 yards and tossed long scores of 75, 74 and 69 yards in the first half. But his most important throws came in the final minutes when he rallied the Horned Frogs (8-2, 5-0 Mountain West) to a stunning victory that spoiled any Boise State hopes of playing for a national title.

The loss also snapped Boise State's 35-game home winning streak, which had been the nation's longest.

The Broncos were in control in the final minutes and driving into field goal range when backup running back Drew Wright fumbled at the TCU 27-yard line with 2:26 remaining.

Pachall took over, calmly marching TCU down the field before connecting with Carter, who leaped over a defender to make the grab in the end zone and pull TCU within 36-35 with 1:05 remaining.

TCU coach Gary Patterson made a gutsy call, opting to put the game in Pachall's hands and go for the lead instead of the tie. It worked. Pachall tossed a short pass to Josh Boyce, who fought his way into the end zone, putting TCU up 36-35 and quieting a raucous Bronco Stadium crowd.

Boise State (8-1, 3-1) and Kellen Moore made a final run.

With the help of a pass interference penalty on fourth down, Moore drove the Broncos down the field in the final minute and put the Broncos in position to win with a field goal. But Goodale's kick was way wide.

For the second year in a row, Boise State's run at a perfect season has been done in by a missed field goal. Last year, Broncos' kicker Kyle Brotzman missed twice from short range ? once at the end of regulation and again in overtime ? in a loss at Nevada.

After Goodale's kick sailed right, TCU players stormed the field to celebrate a win that clears the path for the Horned Frogs to win the Mountain West Conference title in their final year with the league.

TCU has now won a league record 22 straight games against conference foes and set an MWC record with 12 straight conference road wins.

The game ? the first and last conference matchup between these two perennial BCS busters ? was a back-and-forth battle from the start, with Boise State jumping out in front early and TCU storming back to take a 20-14 lead at the half.

Moore was 28-of-38 passing for 320 yards and two touchdowns. He led a Boise State offense that rolled up 446 total yards, including 125 rushing yards from D.J. Harper.

The Horned Frogs amassed 506 total yards.

Pachall hit Josh Boyce on a 74-yard touchdown on their second possession to tie the game 7-7.

Two possessions later, Pachall fired a 75-yard touchdown to Carter to go up 14-7. The next time TCU got the ball, Pachall struck again, this time tossing a 69-yard strike to Boyce, who had three touchdown catches on the day.

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Jersey Shore?s JWOWW Shares Tanning Tips on The Doctors!

This Thursday, November 10th, the infamous Jennifer ?JWoww? Farley from MTV?s Jersey Shore joins the co-hosts of the nationally syndicated daytime series, The Doctors (check local listings) and offers viewers few tips on how to get the perfect year round tan without the orange glow. This week, THE DOCTORS are covering the full ?spectrum? of [...]

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Hard-working Velasquez honored to represent Mexican people at UFC on Fox

Mexican pride has a deep history in the fight game, so it's no surprise that tomorrow's big UFC on Fox main event between Cain Velasquez and Junior dos Santos is slowly turning developing into a Mexico vs. Brazil affair. It's no different than boxing where a large group of Mexican fans are backing Juan Manuel Marquez tomorrow night in his quest to finally get a win against Filipino Manny Pacquiao.

Mexicans love their fighting.

"I just represent hard-working people," Velasquez told the Orange County Register. "That's what my family is. That's what I've grown up around. I'm happy that the Mexicans are known as hard-working people. We live our life with a lot of heart. I try to use that in my fighting. I fight with a lot of heart, with a lot of blood. I'm always going forward. That's what it means to me."

UFC president Dana White says he understands why Mexicans and Mexican-Americans admire Velasquez.

"I don't think we're putting a lot of emphasis on the Hispanic community. He is Hispanic and the Hispanic community is (supporting him), but we're trying to reach everybody," White said. "Yeah, I think it's a big deal. When you think about it in the history of combat sports, this is the only heavyweight champion ever as far Mexican champions go. It's a big deal."

One fight nights Velasquez pays homage to his heritage with his walkout music.

The champion never wants to forget the sacrifice made by his parents.

"At first, I chose the song as my walk-out music to honor my father," Velasquez said. "My dad dreamed of coming to America and once he got here he worked so hard so I would have a better life.? Watching my parents work so hard every day and not complain, even though they were doing back-breaking jobs, I took that work ethic and applied it to my own life. The song is about places in Mexico that my dad actually crossed coming to the U.S."

Velasquez said he's heard the appreciation from Mexican fans.

"It is very special to me, but what's surprised me is other Mexican-Americans would come up to me and say 'I did the same thing' or 'my parents did that too,' so it has become a very meaningful song for me."

Source: http://sports.yahoo.com/mma/blog/cagewriter/post/Hard-working-Velasquez-honored-to-represent-Mexi?urn=mma-wp9298

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Snooki ? I Knew I?d Be Famous?: Caption This Photo

Another famous quote from Snooki has been released. This time she said she always knew she would be famous. You gotta love the pint size fireball which is why she Right Celebrity?s Caption This photo contest for the week. In a recent interview with Parade magazine Nicole Polizzi, aka Snooki, shared quite a few interesting pieces of info with readers and I will tell you about what she said in just one hot second. First I just want to remind you all real quick about our Caption This photo contest. As I am sure you already know it is very easy, just take a little looksy at the above pic of Polizzi and caption it by leaving your super funny remarks in the below comments section. Then check back next Tuesday to see if your name is in print as the big winner. To show you how it is done I give to you the winner of last weeks Justin Bieber Baby Daddy Rumor contest Jamieleigh Wilson, who has this to say. Who would have sex with her she is ugly i bet she wants attention the weirdo!!!!! See my friends easy and fun so get captioning. I mean seriously [...]

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Sean could bring strong currents to Bermuda, US (AP)

MIAMI ? Tropical Storm Sean has strengthened slightly and eventually could bring dangerous surf and rip currents to Bermuda and the U.S.

The U.S. National Hurricane Center in Miami said Wednesday that Sean's maximum sustained winds are 50 mph (85 kph). It is located about 450 miles (730 km) southwest of Bermuda and is moving west at 3 mph (6 kph). The storm is expected to make a gradual turn toward the north, followed by a turn to the northeast and an increase in speed. Swells generated by Sean are expected to affect parts of the southeastern coast of the U.S. and Bermuda during the next few days.

A tropical storm warning is in effect for Bermuda.

The Atlantic hurricane season lasts from June to the end of November.

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This Image Shows How Camera Lenses Beautify or Uglify Your Pretty Face [Photography]

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Analysis: Is student loan, education bubble next? (AP)

First the dot.coms popped, then mortgages. Are student loans and higher education the next bubble, the latest investment craze inflating on borrowed money and misplaced faith it can never go bad?

Some experts have raised the possibility. Last summer, Moody's Analytics pronounced fears of an education spending bubble "not without merit." Last spring, investor and PayPal founder Peter Thiel called attention to his claims of an education bubble by awarding two dozen young entrepreneurs $100,000 each NOT to attend college.

Recent weeks have seen another spate of "bubble" headlines ? student loan defaults up, tuition rising another 8.3 percent this year and finally, out Thursday, a new report estimating that average student debt for borrowers from the college class of 2010 has passed $25,000. And all that on top of a multi-year slump in the job-market for new college graduates.

So do those who warn of a bubble have a case?

The hard part, of course, is that a bubble is never apparent until it bursts. But the short answer is this: There are worrisome trends. A degree is an asset whose value can change over time. Borrowing to pay for it is risky, and borrowing is way up. The stakes are high. You can usually walk away from a house. Not so a student loan, which can't even be discharged in bankruptcy.

But there are also important differences between a potential "student loan bubble" and an "education bubble." Furthermore, many economists think the whole concept of a bubble is a misleading way to think about what's happening, and may actually distract from the real problems. College affordability is a serious issue, but it's a different one. Borrowing for college and borrowing for, say, a house, are fundamentally different in important ways.

To be sure, there are some classic bubble warning signs:

_Everybody wants in. The idea that higher education is the only way to get ahead has become widely held. College enrollment has surged one-third in a decade. With rising demand, college tuition and fees have more than doubled over that time, outstripping inflation in every other major sector of the economy ? energy, health care and housing, even when housing was bubbling itself.

_Those bills are paid with borrowed money. The volume of outstanding student loans is rising rapidly and now exceeds credit card debt, though recent reports of it crossing $1 trillion may be premature. Moody's Analytics puts the number at around $750 billion. But while credit card debt is declining, student loan debt keeps going up.

_Just like housing, many student loans were made with little or no research into whether borrowers were fit. Federal Stafford loans are basically automatic for college students, and government backing for other types of loans gave other student lenders little reason to be picky.

_Defaults on federal student loans jumped from 7 percent to 8.8 percent in the most recent fiscal year. That measures just recent borrowers who were already behind within two years of their first payments coming due.

Those numbers are all alarming. But putting them in context requires thinking separately about the ideas of a "student loan bubble" and an "education bubble."

First, one thing that's important about the possible student loan bubble is that it poses much less of a threat than housing debt did to drag down the entire economy. Yes, many individual borrowers may find themselves in trouble. But total student loans probably amount to less than 10 percent of outstanding mortgages. Every single student loan could default and it still probably wouldn't match total mortgage defaults during the recent downturn. More importantly, unlike mortgages, Wall Street isn't knee-deep in securities comprised of bundled student loans, as it was with mortgages. (It also helps that it's also harder to speculate in student loans; an investor can flip a house, but not a brain.)

The other big difference with student loans is the dominant role the federal government has assumed in the market in the last few years: it accounts for roughly 85 percent of student debt.

That matters for several reasons.

First, the government is answerable to voters and not shareholders, so it's more likely than private investors to take steps such as those announced by President Barack Obama to try to relieve student debt burdens.

Second, notes Mark Kantrowitz of the website Finaid.org, it's important to remember what actually causes a bubble to burst. It's not simply a run-up in prices. What bursts the bubble is a liquidity crisis, when borrowers suddenly can't get the money they need. Even during the depths of the 2008 financial crisis, when private student loans dried up, the government's dominant role kept student loans flowing.

That doesn't guarantee the bubble won't slowly and painfully deflate over time. But it insures against the chaos of a "crash" where suddenly students can't get loans at all ? a scenario that could shut down untold numbers of colleges whose students rely on financial aid.

None of that, however, changes the fundamental risk for individual student borrowers: they could borrow heavily to pay for a college education and find the return much less than expected.

It's here, looking at the debate from an individual borrower's point of view as opposed to the entire economy, that the debate over the term "bubble" gets tricky. Can an education lose value?

Certainly a college degree can.

A key measure is the wage premium for bachelor's degree recipients over those with just high school diploma, and there are various ways to measure it. All show the wage premium is substantial, though after rising steadily for years it appears to have slipped some lately. Wages for the median bachelor's degree recipient are roughly $55,292, compared to $34,813 for those with only high school, according to the latest data from Georgetown University's Center on Education and the Workforce.

That reflects a premium that has fallen from roughly 67 percent a few years ago to 59 percent (the latest Bureau of Labor Statistics data put the 2010 premium at 65 percent for weekly wages). Still, all told, estimates for the lifetime earnings advantage of a college degree range from a conservative $500,000 to more than $1 million, according to the Census Bureau. Even with recent price increases, for the average student loan borrower that remains a very high return on investment.

It's true the unemployment rate for new college graduates is more than 10 percent. But unemployment for college graduates overall is 4.2 percent, compared to 9.7 percent for those with a high school degree.

Could college prices rise so much, and the premium fall so far, that a degree is no longer worth it? Of course, for some degrees. But in a modern economy, it's difficult to imagine that happening across the board. Here's where a degree is truly unlike other assets ? most should correlate at least somewhat with skills that are useful in the world. Particular degrees may prove bad bets, but to imagine the premium on education itself dropping off a cliff is to imagine a world where things have gone so wrong that job skills no longer matter.

Or, as Kent Smetters, an economist at the University of Pennsylvania's Wharton School, puts it: "In that case, nobody's worried about paying back their loans. Everyone's heading for bunkers in Idaho and canned goods and that kind of stuff."

Here's the rub: Nobody earns a generic "college degree." Degrees are earned from different schools, with different reputations, and in different majors with much different payoffs. What counts most, says Georgetown's Anthony Carnevale, are the courses you take and your major. Roughly 30 percent of associate's degree recipients earn more than people with bachelor's degrees. A graduate with a mere certificate in engineering will earn roughly 20 percent more than the average bachelor's recipient.

That suggests there isn't one big bubble, but many smaller but significant ones stretching across different sectors ? certain liberal arts grads, artists, lawyers who borrow six figures for law school and can't find a job, and students at for-profit colleges. The signs of a bubble at for-profits are unmistakable: Enrollment has tripled in a decade, roughly 96 percent of graduates have loans and borrowing is substantially higher than at other types of institutions. Default rates recently jumped to 15 percent.

But what's most important is the huge numbers who never earn a degree at all. At community colleges and for-profit schools, roughly one in five aiming for a bachelor's degree fail to secure it. Even at four-year public universities, the failure rate within six years is almost half. Anyone who borrows a large amount of money and then fails to complete a degree is in a world of hurt ? quite possibly worse off than if they'd never even tried to go to college in the first place.

Source: http://us.rd.yahoo.com/dailynews/rss/us/*http%3A//news.yahoo.com/s/ap/20111106/ap_on_an/us_education_bubble_analysis

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Fall back: Time to reset your biological clock

If you've been falling behind on sleep, this is the weekend to fall back into bed for an extra hour ? and take advantage of the transition from daylight saving time to standard time.

The time change is part of a longstanding tradition, in which most Americans push their clocks ahead an hour in the spring ("spring forward") and turn them back an hour in autumn ("fall back"). The change officially takes place at 2 a.m. daylight saving time on Sunday, Nov. 6 (which instantly becomes 1 a.m. standard time).

A few years ago, lawmakers shifted the schedule slightly, setting the changeover for the first Sunday of November rather than the last Sunday of October. The goal was to extend the energy savings that are thought to result from daylight saving time.

The idea behind daylight saving time ? or summer time, as it's known in other parts of the world ? is to use the extended daylight hours during the warmest part of the year to best advantage. Timekeepers shift some of that extra sun time from the early morning (when timekeepers need their shut-eye) to the evening (when they play softball).

The shift reduces the need for lighting during the evening, and that's why daylight saving time is considered an energy-saver ? that is, as long as there is morning sunlight to spare. Now that dawn is coming later and later, the daylight-saving advantage has largely dissipated

With the clocks turned back, it will be lighter (or at least less dark) in the morning, but darkness will fall earlier in the evening.

Not everybody goes along with the daylight-saving plan. Arizona and Hawaii, for example, stay on standard time all year round. Each state or country comes up with its own schedule for the switch, and that schedule may be subject to change.

Around the world, Canada and the members of the European Union operate similar summer-time shifts. Most European countries made the shift to standard time last weekend, so in that sense America is just now catching up. And yes, some countries in the Southern Hemisphere move their clocks forward an hour at this time of year, in time for the coming summer there.

If you're in a fall-back time zone, you'll want to savor that extra hour of shut-eye: A major study released by the National Center for Health Statistics indicated that sleep deprivation was linked to all sorts of health problems, including smoking and obesity.

Here are more questions and answers about the science of sleep:

When we wake up, why do we have crust in our eyes? - S.S.
?Eye crusts? are the leftover protein and fat from tears that have dried up. Tears have three components:

• Salty water, which comes from the tear gland behind the upper outer corner of our eye.
• Protein, secreted by the conjuctiva, which is the clear film that covers the eye.
• And fat, which comes from ducts in the eyelids.

Tears do lots of jobs. They clean the eye. They fill in tiny imperfections in the surface of the cornea, which needs to be perfectly smooth for maximal vision. They also deliver nutrients to the cornea, which has to be clear to let light through to the iris, and therefore has no blood vessels to deliver a ?food supply.? And of course tears flow at times of emotion, when the tear glands power up and produce more salt water.

1. So long, DST

   Most Americans turn their clocks back one hour during the Nov. 6-7 weekend. This is also a good time to change batteries in smoke detectors.

At night, with our eyes closed and protected, we don?t display emotion, and with our eyes closed we don?t get dirt in our eyes. So we don?t make tears. Small amounts of the mixture already on the surface of the eye seep out, but without a fresh supply of liquid from the tear gland, the fat and protein dry up.

Why does your breath smell so bad when you wake up? - S.B. and A.B.
This one ought to get you to brush before you go to bed. That smell is ... bacteria gas. Gross, but accurate. There are lots of bacteria in our mouth all the time, feeding on the tiny leftover bits of what we?ve eaten. Ever hear of plaque, the stuff all those toothpaste ads promise to get rid of? Plaque is nothing more than organized colonies of bacteria chowing down on food bits on your teeth.

When we?re awake, some plaque is removed when we chew, talk, drink, even when we breathe. But overnight, when those disturbances in the mouth stop, it?s party time for the bacterial colonies on your teeth, and they multiply like crazy. Their waste products are acids, which cause cavities, and gases, which cause that rude blast of morning breath.

Why do we snore? - S.D.
To bug the person sleeping next to us, of course.

Actually, there are several causes of snoring. All of them have something to do with restriction of the upper airway.

• Kids with swollen tonsils or adenoid glands snore.
• People sleeping on their back snore because the tissues in the neck are pressing down on the windpipe.
• Overweight people snore for pretty much the same reason, or because some of their fat is stored in tissues in the neck.
• People with colds snore because they have swollen sinus tissues in their throat.
• Drinking alcohol causes snoring by relaxing the muscles in the throat, which restricts the size of the airway.
• We snore more as we age because of the loss of elasticity in neck tissues, which sag in on the windpipe.
• People with misshapen jaws, larger-than-normal tongues, or on relaxant medications, all are more prone to snore.

So if you try to sleep next to an overweight elderly drunk with a misshapen jaw and a cold who?s taking muscle relaxants ... bring industrial-strength earplugs.

1. More science news from MSNBC Tech & Science

   1. Genes tell a tale as big as Africa

      Science editor Alan Boyle's Weblog: An African-American's family tale grows in the telling, thanks to genetic testing and a whole lot of trans-Atlantic travel.

   2. Fall back: Time to reset your biological clock
   3. Flirty dinosaur could shake its tail feathers
   4. Three new heavy elements named

Why is yawning contagious? - P.H.
If you don?t think YAWNING is contagious, see if you YAWN by the time you?re done reading this explanation of YAWNING.

First, let?s dispel a myth. You don?t yawn to take in extra oxygen. ?That?s been rejected in lab tests,? says YAWN expert Robert Provine, professor of psychology at the University of Maryland?s Baltimore County campus. He had test subjects breathe air with extra oxygen. For others, he reduced the oxygen intake by giving them air high in carbon dioxide. Neither caused more or less YAWNING.

(YAWN. YAWN. YAWN.)

Provine says ?we YAWN when we?re changing states of activity. Going from sleep to wakefulness, like YAWNING in the morning. Or wakefulness to sleep.? (He says we YAWN more in the morning when we wake up, by the way.)

?Concert pianists will YAWN before going out to an important performance. Olympic athletes YAWN before the big event. Embryos begin YAWNING eleven weeks after conception,? Provine notes. He says YAWNING is somehow connected to changing levels of body activity, changes from one state to another, like inactive to active or vice versa, but nobody understands just what the connection is.

?It probably helps stir up the blood and brain chemistry to facilitate those transitions from one level of activity to another.?

Why? ?YAWNING is ancient and autonomic,? Provine says. ?Maybe it?s to get everyone in the tribe to synchronize their states of activity, to increase the success of the tribe if everyone?s working together. We really don?t know.?

(YAWN. YAWN. YAWN.)

YAWNING is highly contagious, he says. Every vertebrate species YAWNS. Fish YAWN. Birds YAWN. Alligators YAWN. But Provine says it?s apparently only contagious in humans.

Provine has made test subjects YAWN by showing them a YAWNING face. Interestingly, if he shows them just the YAWNING mouth, it doesn?t trigger the YAWNING. If he covers the mouth, and shows them just the nose and eyes of the YAWNING face, it does. He?s made subjects YAWN by talking about YAWNING, or asking the test subjects to think about YAWNING, or by having them read about YAWNING.

Yawning yet?

Alan Boyle is msnbc.com's science editor. David Ropeik is a risk communication consultant who provided information for this report in 2000.

? 2011 msnbc.com Reprints

Source: http://www.msnbc.msn.com/id/9814952/ns/technology_and_science-science/

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Haiti president returns following surgery in US (AP)

PORT-AU-PRINCE, Haiti ? Haitian President Michel Martelly returned to Haiti on Thursday after doctors in Miami performed surgery on his left shoulder.

The 50-year-old leader said the operation was to relieve pain in the shoulder that he had bothered him for more than five years because of his previous career as a musician.

Before he was elected president early this year, Martelly spent more than 20 years playing keyboard and singing under the stage name "Sweet Micky."

"Every time I lifted the left arm I had pain," he told reporters at the airport's diplomatic lounge, his arm in a sling. "I've come back strong and healthy."

He added that he also sometimes feels pain in his right shoulder, which may require surgery in the future.

Martelly left last week for the United States, saying he was going for medical treatment but without specifying the problem.

His departure coincided with anger over the jailing of a lawmaker who had been openly critical of the president. Police locked up legislator Arnel Belizaire for a night because they said he had escaped from the national prison on the chaotic day of the earthquake that shattered the capital on Jan. 12, 2010.

The detention of Belizaire, rare for a government official because investigators need to formally submit a request to lift immunity, sparked outrage among members of both houses in Parliament. The Chamber of Deputies called for the removal of two Cabinet ministers and another official who they believed followed Martelly's orders to lock up Belizaire.

Martelly and Belizaire had lashed out at each other on the grounds of the National Palace.

Martelly hadn't commented on the arrest until Thursday at the international airport, when he denied having any influence on the police action.

"Close or far away, the presidency doesn't have anything to do with the" matter, he said.

Martelly said he has asked his prime minister, Garry Conille, to set up a commission to examine what led to the arrest and to prevent something similar from happening again.

Source: http://us.rd.yahoo.com/dailynews/rss/latam/*http%3A//news.yahoo.com/s/ap/20111103/ap_on_re_la_am_ca/cb_haiti_president_returns

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Pension reform hot-button issue in SF mayor's race (Providence Journal)

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Trading v. Investing | Above the Market

You are here: Home ? Trading v.?Investing

November 3, 2011 |

Trading and investing can both be effective strategies and they?generally agree on a number of major points.

1. We want to succeed. Traders will generally define success a bit differently, but we all want it just like we all want to be profitable.
2. We need a carefully designed plan and must execute it.? As the expression goes, nobody plans to fail but we do fail to plan. Investors and traders who are successful over the long haul rely upon an evidence-based plan rather than luck.
3. We must be contrarian.? Traders can follow a trend and be successful for a while, but long-term success for traders and investors alike requires going against the flow because the markets are a zero sum game.
4. We must remember that ?this time isn?t different.? The markets are mean-reverting. Ignore this at your peril.?
5. There is no such thing as a free lunch.? In other words, risk and reward generally correlate.
6. We must control our emotions. Impulsive actions based upon emotions, intuitions or one?s ?gut? will be costly.
7. Most players will not control their emotions.? This fact provides tremendous opportunity.? As Warren Buffett says, be greedy when others are fearful and fearful when others are greedy.
8. Costs matter.? Whether these are transaction costs, fees, taxes or something else, overall costs have a huge impact on the bottom line.
9. Always consider who?s on the other side of every transaction.? As the expression goes, if you?ve been playing poker for 20 minutes and haven?t figured out who the patsy is, it?s probably you.? Which leads to?
10. Am I a being duped? We all want to be Michael Burry.? That starts by not being Wing Chau.? Of course, we can all be both (think John Paulson).

But the contrasts between investing and trading can be dramatic, as illustrated by the metric below.

We all have trouble thinking long-term, of course, in part because we tend to discount future value far too much (along with difficulties on account of optimism bias and what Dan Kahneman calls the planning fallacy ? we tend to overestimate our ability to control the future). If you doubt me, ask yourself how your diet and exercise plans tend to turn out. So, are you a trader or an investor?

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Tags: Investing, Trading

Categories: Capital Markets

Author:rpseawright

Robert P. Seawright is the Chief Investment & Information Officer for Madison Avenue Securities, a boutique broker-dealer and investment advisory firm headquartered in San Diego, California.

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Source: http://rpseawright.wordpress.com/2011/11/03/trading-v-investing/

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NH ends calendar uncertainty with Jan. 10 primary (AP)

CONCORD, N.H. ? New Hampshire on Wednesday scheduled its first-in-the-nation presidential primary for Jan. 10, finally giving candidates a concrete calendar after months of uncertainty.

The date announced by Secretary of State Bill Gardner Wednesday had been widely expected since Nevada Republicans voted last month to shift their presidential caucuses to early February, ending what had become a bitter standoff among rival states. Gardner had warned that Nevada's initial decision to hold its contest in mid-January could force New Hampshire to vote in early December.

"I was sort of on the edge of a cliff," Gardner said. "I was hoping if I had to move, there would be a puddle of water to jump into if necessary."

It's a position Gardner knows well, though he said this year's wrangling over the date wasn't the worst he's faced by a longshot ? that distinction goes to 1984, when he faced intense pressure from the Democratic National Committee to change the date.

New Hampshire state law requires the primary to be held at least seven days ahead of any other similar contest and gives Gardner exclusive power to set the date. That has made him the target of criticism from other states hoping to grab some of the spotlight.

Critics also argue that New Hampshire is too small and too white to play such a major role in picking presidents, but Gardner and other defenders of New Hampshire say the country ? and the candidates ? are well-served because the primary requires close contact with voters, not just name-recognition or advertising cash. In fact, thanks to a random drawing, the first candidate listed on Republican ballot will be Joe Story of Jacksonville, Fl., whose website is theaveragejoeforpresident.com. Candidates will be listed alphabetically after him, putting front-runner Mitt Romney nearly at the bottom.

"Really, the election for the candidates begins today," said state Rep. Jim Splaine, who authored the state law that puts New Hampshire first.

New Hampshire's decision brings welcome clarity to the path for the 2012 Republican presidential nomination. New Hampshire will vote a week after the Jan. 3 Iowa caucuses, with South Carolina's primary on Jan. 21, Florida's on Jan. 31 and the Nevada caucuses on Feb. 4.

Some feared that jockeying states might cram more contests into January, creating an informal national primary that would deprive second-tier candidates of opportunities to regroup and raise money as they raced from state to state. With the calendar set, campaigns can now launch strategies that had been held hostage to an uncertain calendar.

Already, there are signs they are ramping up. Texas Gov. Rick Perry, for example, begins airing his first television advertisements in New Hampshire on Wednesday.

Though Wednesday's announcement comes just 10 weeks before primary day, Gardner has cut it closer before. During the last presidential campaign, he waited until Nov. 21 to set the Jan. 8 date, the earliest date yet.

"I thought after last cycle we would not face this again, and I'm hopeful in next cycle we won't face it again," Gardner said Wednesday. "But there is no simple answer."

Source: http://us.rd.yahoo.com/dailynews/rss/topstories/*http%3A//news.yahoo.com/s/ap/20111102/ap_on_el_ge/us_primary_scramble

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Nicolas Cage's son Weston files for divorce

Whoever said it wouldn't last was right on.

Nicolas Cage's eldest son, Weston, has filed for divorce from his wife of six months, Nikki Williams Cage.

Story: Could Nicolas Cage and John Travolta be centuries old?

And, judging by their respective Facebook posts, the decision to split up was not one of their "irreconcilable differences."

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READ: Weston Cage's Facebook Bombshells: Divorcing Pregnant Wife, Claims "I Was the One Abused"

"The single life is perfect," Williams, having already dropped the "Cage" from her profile, wrote on her Facebook wall.

Story: Nic Cage: Naked man with Fudgesicle woke me

But, really, that was nothing compared to Weston, who wrote on his own page: "WELL ITS OFFICAL . THE DIVORCE IS SETTLED! ..................LADIES, DADDY IS BACK ahahahhahahaahh oh god! its on."

GALLERY: Celebrity Splits

In court documents filed Oct. 27 and obtained by E! News, Cage listed their date of separation as Oct. 24, their six-month anniversary ? even though he wrote back in July that he planned to divorce Williams, whom he also implied at the time was pregnant. They do not have any children, however.

MORE: View the divorce petition

The not-quite-21-year-old Cage, who was arrested in July on suspicion of felony domestic violence and then entered rehab, is also requesting that the judge not order him to pay spousal support.

? 2011 E! Entertainment Television, Inc. All Rights Reserved.

Source: http://today.msnbc.msn.com/id/45130298/ns/today-entertainment/

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Election 2012 challenge: How to win over 'frustrated' Walmart moms (video)

A Republican and a Democratic pollster share their survey data on Walmart moms, 27 percent of registered women voters. A majority voted for Obama in 2008, then swung toward the GOP in 2010.

What do Walmart moms want, and who will win their hearts in the 2012 election?

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That question lies at the center of this critical bloc of swing voters, according to Republican pollster Neil Newhouse and Democratic pollster Margie Omero, who released a survey Wednesday on this demographic group.

A Walmart mom is a woman with children age 18 or younger living at home who shops at Walmart at least once a month. They represent 27 percent of all registered women voters and 14 percent of the overall electorate. A majority voted for President Obama in 2008, swung toward the Republicans in the 2010 midterms, and are still unhappy with Mr. Obama. But they haven?t given up on him.

?These women are frustrated,? says Mr. Newhouse of Public?Opinion Strategies, speaking at a Monitor-hosted breakfast Wednesday. ?They see Wall Street getting bailed out. ... There?s a resentment there that they see a government activism that doesn?t impact them directly. They want their share.?

Specifically, says Ms. Omero, this group is more concerned about paying for college and the price of groceries than they are about how high their taxes are.

?When I listen to the Walmart moms, in these focus groups, they didn?t say, ?You know what I need, I need fewer environmental regulations for businesses, that will really help me out,? ? says Omero. ?They said, ?I would like college affordability, and milk for everybody, and affordable housing, pay my electric bill.? These very tangible things.?

How these concerns play into each party?s election strategy is a different question. Newhouse is the pollster for presidential candidate Mitt Romney, the former governor of Massachusetts, though he declined to speak for the campaign. Still, when asked about Mr. Romney?s poll numbers ? which seem stuck in the mid-20s among GOP voters ? Newhouse asserted that ?this campaign has just begun, and we?ve got a long ways to go.?

For now, when asked to frame a broader Republican narrative for the election, Newhouse?zeroed in on personal responsibility.

?It?s probably that if we get government out of the way and out of our lives, that at least to a greater extent, it will enable these families to make ends meet and to do better on a personal basis,? Newhouse said. ?It will help in terms of job growth, reducing the deficit. It?s a more complicated message when you?ve got 52 percent of these voters who say they expect government to play more of a role.?

The personal-responsibility message may seem at odds with a demographic that is looking for more help from the government, but the Walmart-sponsored poll found that Walmart moms are more likely to blame themselves than any other group or person for the state of the economy.

Twenty-five percent of Walmart moms blame ?people who took on too much credit and live beyond their means,? the No. 1 answer. In second place was former President George W. Bush, with 22 percent. Third was ?Wall Street banks and big corporations,? at 15 percent. Obama came in fourth with 7 percent.

Among the public at large, big banks and corporations came in for more blame (21 percent) than Mr. Bush (15 percent), the pollsters said.

But no matter where the blame is placed, there?s no doubt the nation is in an extended sour mood.

?This is the longest period of sustained pessimism we?ve had in this country since we started doing polling,? Newhouse says. ?We?ve had, I think this is 93 or 94 straight months where a plurality of Americans believe the country is off on the wrong track.?

Newhouse notes that Obama?s negative job approval is noteworthy for its intensity. And even if GOP voters have not coalesced around a challenger to Obama, Newhouse isn?t worried about getting voters to turn out next year.

?When people are upset, they?re going to vote,? he says.

And for now, says Omero, Walmart moms in particular have yet to engage in the 2012 campaign.?They are focused on matters closer to home. For Obama and the Democrats, that presents a challenge. Even though Obama won the ?Walmart mom? vote in 2008, it?s not clear the Democrats can get them again.

?They?ll definitely need more ?touches? from a campaign to be engaged at the same level of more regular voters,? Omero says.

Source: http://rss.csmonitor.com/~r/feeds/csm/~3/vl3Kw5y2Ay8/Election-2012-challenge-How-to-win-over-frustrated-Walmart-moms-video

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