Homicide spreads like infectious disease

Public release date: 29-Nov-2012
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Contact: Andy Henion
henion@msu.edu
517-355-3294
Michigan State University

EAST LANSING, Mich. Homicide moves through a city in a process similar to infectious disease, according to a new study that may give police a new tool in tracking and ultimately preventing murders.

Using Newark, N.J., as a pilot case, a team of Michigan State University researchers led by April Zeoli successfully applied public health tracking methods to the city's 2,366 homicides between 1982 and 2008. They found the killings were not randomly located but instead followed a pattern, evolving from the city's center and moving southward and westward over time.

Like a flu bug that spreads to susceptible groups such as children and the elderly, homicide clusters in Newark often fueled by gangs and guns spread to areas consisting largely of poor and minority residents. Over time, the concentration of homicides effectively disappeared from one area and settled in another.

"By using the principles of infectious disease control, we may be able to predict the spread of homicide and reduce the incidence of this crime," said Zeoli, public health researcher in MSU's School of Criminal Justice.

The study is one of the first to use analytic software from the field of medical geography to track long-term homicide trends. Zeoli said the method can be done in real time which would allow police to identify emerging hotspots.

The researchers also identified areas of Newark that had no homicide clusters during the 26-year time frame of the study, despite being surrounded by deadly violence.

"If we could discover why some of those communities are resistant," Zeoli said, "we could work on increasing the resistance of our communities that are more susceptible to homicide."

###

Joining Zeoli on the study were criminal justice researchers Jesenia Pizarro and Christopher Melde and medical geographer Sue Grady.

The study is published in Justice Quarterly, a research journal.

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AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.

Public release date: 29-Nov-2012
[ | E-mail | Share ]

Contact: Andy Henion
henion@msu.edu
517-355-3294
Michigan State University

EAST LANSING, Mich. Homicide moves through a city in a process similar to infectious disease, according to a new study that may give police a new tool in tracking and ultimately preventing murders.

Using Newark, N.J., as a pilot case, a team of Michigan State University researchers led by April Zeoli successfully applied public health tracking methods to the city's 2,366 homicides between 1982 and 2008. They found the killings were not randomly located but instead followed a pattern, evolving from the city's center and moving southward and westward over time.

Like a flu bug that spreads to susceptible groups such as children and the elderly, homicide clusters in Newark often fueled by gangs and guns spread to areas consisting largely of poor and minority residents. Over time, the concentration of homicides effectively disappeared from one area and settled in another.

"By using the principles of infectious disease control, we may be able to predict the spread of homicide and reduce the incidence of this crime," said Zeoli, public health researcher in MSU's School of Criminal Justice.

The study is one of the first to use analytic software from the field of medical geography to track long-term homicide trends. Zeoli said the method can be done in real time which would allow police to identify emerging hotspots.

The researchers also identified areas of Newark that had no homicide clusters during the 26-year time frame of the study, despite being surrounded by deadly violence.

"If we could discover why some of those communities are resistant," Zeoli said, "we could work on increasing the resistance of our communities that are more susceptible to homicide."

###

Joining Zeoli on the study were criminal justice researchers Jesenia Pizarro and Christopher Melde and medical geographer Sue Grady.

The study is published in Justice Quarterly, a research journal.

---

[ | E-mail | Share ]

?

AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.

Source: http://www.eurekalert.org/pub_releases/2012-11/msu-hsl112912.php

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Goldman Sachs boosts rating on RIM, shares surge

TORONTO (Reuters) - Research In Motion received a big boost on Thursday after Goldman Sachs raised its rating on the company, sending shares of the BlackBerry maker soaring more than 12 percent in trading before the morning bell.

The brokerage firm is the latest to join a growing chorus of analysts to turn more positive on RIM's prospects ahead of the launch of its make-or-break new line of devices that will vie against Apple's iPhone and Android-based smartphones.

Goldman raised its rating on RIM to "buy" from "neutral," while also lifting its price target on RIM's shares to $16 from $9. The announcement sent RIM's shares up 12.2 percent to $12.45 in premarket trading in the United States.

RIM, a one-time smartphone pioneer, hopes its new BlackBerry 10 devices will rescue it from a prolonged slump and help win back market share it had ceded to rivals such as Apple and Samsung Electronics.

"We are upgrading Research in Motion to Buy from Neutral, as we see a positive risk/reward heading into its BlackBerry 10 launch on January 30," Goldman analyst Simona Jankowski said in a note to clients.

RIM shares, which have plunged about 90 percent from a 2008 high of more than $148, have risen some 75 percent in the last two months, as analysts have begun to turn more optimistic ahead of the launch of the BB10 devices.

Earlier this month, Jefferies & Co analyst Peter Misek, who has been one of RIM's biggest critics, raised his rating and price target on the stock. And last week, National Bank analyst Kris Thompson raised his price target on the shares, stating that there is more money to be made in the stock ahead of the launch of the BB10 devices.

(Reporting by Euan Rocha; Editing by Maureen Bavdek)

Source: http://news.yahoo.com/goldman-sachs-boosts-rating-rim-shares-surge-132912654--finance.html

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Online Auto Loans Offers Quick Response Time at Lower ... - Finance

From Lehman to Libor, scandal and even criminal activity has stalked the banking sector, so are the bankers, and the banking system, out of control? And with banks failing the West, does Islamic finance have some answers to the world?s money troubles? Joining Counting the Cost to discuss these issues are: Professor Jem Bendell of the University of Cumbria and Tarek El Diwany, a senior partner at the Islamic investement and finance consultancy Zest Advisory. We also speak to David Fishwick, about his choice to take on the banks and the system which regulates them, to set up his own small-time bank for everyday people ? the ?Bank of Dave?

Seattle, WA (PRWEB) November 29, 2012

Stepping into a bank or meeting a car dealer for an auto loan can be a hard and daunting task. Bank auto loans are not free of hassles; there are many papers to sign and many conditions to be agreed upon. Car dealers sell hard, making the car purchasing experience a less than enjoyable one. Fortunately, the existence of online auto loans saves consumers from the difficulties of getting a car from either a bank or car dealers. Whats better is rates are comparably lower online than from car dealers and banks.

Apply for an Auto Loan Here

People have their dreams of owning a car, it is better to opt for online auto loans that offer lower rates than that of bank and credit unions. When getting a car, at the lowest prices and the best deals, online auto loan is the place to look. Online auto loans have many options; a quick web search for online auto loans brings plenty of results. The long search and comparisons between auto deals is dramatically cut down with online auto loans.

The best thing about an online auto loan is that it is possible to find rock-bottom rates, saving the financer of high cost loans that are not found online. To get low rates, the customer must apply online and choose an electronic payment option. Typically, transactions that are not online are higher than transactions that are made online. Usually there are rate reductions that can only be found online with automatic payments that cannot be found anywhere else.

Being web-savvy is an edge when looking for an online auto loan. When searching for an auto loan, online lenders may offer the same rates as banks and it is best to look for online auto loans with rates that are much lower. Asking about processing fees, application fees etc. makes all the difference in the payment for the online auto loan contract. An advantage of an online auto loan is the quick response time, since transactions and applications are made online; there is not a need for a bank to open at a certain time as requests are processed as soon as they are passed. Saving time and money is always fantastic.

Apply for an Auto Loan Here

Dealing with dealers is not an simple task. Car dealers are often only interested in making the most profit. Online auto loans gives consumers a chance to scope out the best possible deals in the shortest amount of time possible than purchasing from a car dealer. Putting time to shop around in the web is not such a terrible thing because finding the best auto loan with the lowest price in the shortest amount of time is a reward in itself.

As with any kind of auto loan, the consumer must consider the budgeting of the payment once the loan is lent. The consumer must consider the payment period that is most preferable and most suitable to his needs. A small payment period has lower interest rates but have higher payments and the opposite is for a long payment period.

An online auto loan is the best option for consumers looking to find rock-bottom deals, speedy transactions and the best interest rates.

Tagged as: Auto, Loans, lower, Offers, Online, Quick, Rates, Response, Time

Source: http://finance.only-the-news.com/online-auto-loans-offers-quick-response-time-at-lower-rates/

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Choosing A Social networking Monitoring service | My Six Strings Blog

As well as creating the correct methods, recognize an attack put into action appropriate Social media marketing monitoring programs. This may help you acquire understanding of how your own personal brand is being observed by men and women, what their market considers an individual, what their opponents are up to as well as how you might be carrying out in online growing media. On the web Press keeping track of demands you to become focused. You plus your crew should be regular inside monitoring and also measuring your own personal webpage within the social media sites. Once you get started with the actual monitoring method it is very important which you perform methods to hold changing these appropriately.

Social networks calls for that you determine correct objectives. You need to consider the reason you wish to accomplish it. You must also choose whenever, wherever and exactly to be able to. If you think your organization can?t deal with the internet press checking affair, then you certainly need to make contact with a Social media marketing monitoring company for providers.

Due to the developing need On the internet Media administration along with keeping track of, more and more companies are usually coming up to supply monitoring and also testing solutions. Numerous businesses get outsourced solutions to other companies. It is always far better to employ solutions regarding gurus than starting actions you are not very informed about.

You need to pick a Social Media monitoring company that will accommodates your current requirement. Remember, not all such companies is able to provide quality solutions. Here is what it is advisable to search for when selecting a Social Media monitoring company:

Select a business that will offer you a complete bundle of services. The organization must be able to provide you with all the companies linked to on the internet mass media keeping track of.

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Selecting a Social websites monitoring service could be challenging. You must go through single profiles of services prior to making an option. Pick a company that beliefs your time and effort along with budget. Make a decision on this. This may help in making a better option.

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Source: http://mysixstringsblog.com/choosing-a-social-networking-monitoring-service/?utm_source=rss&utm_medium=rss&utm_campaign=choosing-a-social-networking-monitoring-service

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Wild coyotes pay visit to Chicago's Wrigley Field

By Marcus Riley, NBCChicago.com

Two wild coyotes were spotted hanging around Chicago?s Wrigley Field late Saturday night.

Will Byington was photographing a live band at the Cubby Bear entertainment complex when the doormen reported that a couple of coyotes were outside the stadium.

Byington, armed with his camera, and a couple of employees headed outside to investigate.

"The scary thing is that they didn't seem afraid. You'd think they'd be cowering, but they didn't seem vicious," Byington said.

?Some people were laughing, and started following them, but they didn't seem concerned. They seemed to be checking out the neighborhood and enjoying it,? he added.

Growing population
Byington said the coyotes looked to be fairly young and guesses that they were looking for food.

At least judging by their fascination with the McDonald's on the other side of Clark Street. He said the coyotes hung out for a couple of minutes before walking through the players? parking lot and toward a nearby firehouse.

Read more from NBCChicago.com

"First time I've ever seen it," said Byington, who lives in Wrigleyville. "You hear stories about them venturing out and spotted around parks and whatnot, but they were right in the street with cars zooming by and honking. It didn't seem to phase them."

Research suggests the coyote population in suburban Chicago is growing.

NBCChicago.com: Chihuahua owner fends off coyotes

Earlier this month, an Antioch Chihuahua survived an attack by two coyotes. Earlier this year, a 16-pound dog was attacked in a fenced in yard in Wheaton but survived.

An attack a week before that, was fatal. And a coyote also made it all the way down to a Loop Metra station last year.

NBCWashington.com: Fairfax warns residents about coyotes

A recent Ohio State University study estimated that there may be somewhere between several hundred and a couple thousand coyotes living in Chicago, with some of the animals living in city parks and others among apartment and commercial buildings and in industrial parks.

Source: http://usnews.nbcnews.com/_news/2012/11/27/15475298-they-didnt-seem-afraid-wild-coyotes-pay-visit-to-chicagos-wrigley-field?lite

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10 Things to Know for Wednesday

Your daily look at late-breaking news, upcoming events and stories that will be talked about Wednesday:

1. WHY THE WHITE HOUSE IS STICKING WITH MORSI

The Egyptian leader ? despite questions about his commitment to democracy ? remains a key American partner in brokering peace between Israel and its neighbors.

2. DEMOCRATS' LATEST STANCE: NO CUTS TO SOCIAL SECURITY OR MEDICARE

As the clock ticks on the "fiscal cliff," many in the party ? emboldened by the election ? no longer want to consider cuts that once were on the bargaining table.

3. WHERE WEDNESDAY'S POWERBALL JACKPOT RANKS

The $500 million pot is the second-highest in lottery history, behind only the $656 million Mega Millions prize in March.

4. SUSAN RICE'S PROSPECTS GROW CLOUDY

The would-be secretary of state will meet with two more GOP senators Wednesday amid fresh concern about comments she made after the Benghazi attack.

5. YEARNING TO SERVE ON THE FRONT LINES

Four women sue to overturn a Pentagon rule barring females from being assigned to ground combat units.

6. HOW DROUGHT AND RISING TEMPERATURES ARE AFFECTING THE GREAT LAKES

Water levels have fallen to near-record lows on Lakes Michigan and Huron.

7. U.N. ON VERGE OF RECOGNIZING PALESTINIAN STATEHOOD

The U.S. and Israel strongly oppose the resolution, which would add weight to Palestinian claims for a state in the West Bank, Gaza Strip and east Jerusalem.

8. AMERICANS UPBEAT DESPITE LOOMING BUDGET MELTDOWN

Consumer confidence rose in November as home values increased and gas prices fell.

9. A NEW TECHNOLOGY TO TRACK STUDENTS' WHEREABOUTS

Microchips embedded in ID cards ? a purported safety measure ? will be "the next wave" in schools, one expert says.

10. SIN CITY'S LATEST ATTRACTION

Las Vegas is building a zip line that will spit tourists out of an 11-story slot machine and send them hurtling five blocks.

Source: http://news.yahoo.com/10-things-know-wednesday-103500895.html

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The Extraordinary Demands Placed On Parents Raising Asperger's

Moms and dads of kids with Asperger?s Syndrome (AS) and High-Functioning Autism (HFA) play multiple roles. Often, they are the first adults to recognize a developmental problem, and they should pursue their concern until they receive a diagnosis and find services for their youngster. Once they become involved in a treatment program, moms and dads should be active partners in their youngster?s treatment process to ensure that skills learned in therapy transfer to the home-setting, school, and community at large. As members of the individualized education plan (IEP) team, moms and dads should also be active advocates for the youngster, ensuring that the educational process goes forward smoothly.

These many demands on moms and dads occur in the context of family life, including the needs of siblings, parents as individuals and as a couple, and family needs as a whole. In addition, the parents of AS and HFA? kids may experience sadness, anger, disappointment, or other complex emotions that can accompany the initial discovery that their youngster has a developmental problem and the ongoing need to make sacrifices to serve the needs of their youngster. Most families cope effectively with these demands, but some may encounter significant stress as they raise their AS and HFA youngster.

Specific knowledge, skills, and scientifically-based information about Autism Spectrum Disorders and their treatment are needed. The mastery of specific teaching strategies that enable parents to help their youngster acquire new behaviors and an understanding of the nature of AS and HFA and how it influences their youngster?s learning patterns and behavior is paramount. Moms and dads also need to be familiar with special education law and regulations, available services, and how to negotiate on behalf of their youngster. Furthermore, some parents need help coping with the emotional stress that can follow from having a special needs youngster.

The fact that parents serve a key role in effective treatment for their youngster is not without costs, and the implications for family life are considerable. Many moms and dads face multiple, demanding roles. Research suggests that while many families cope well with these demands, the education of a youngster with AS and HFA can be a source of considerable stress for some families. In general, moms report more stress than do dads, often describing issues related to time demands and personal sacrifice. Among specific concerns expressed by moms are:

• the community?s acceptance of their youngster
• the youngster?s ability to function independently
• worry about their youngster?s welfare in the years ahead

Moms of kids on the spectrum also report more stress in their lives than do moms of kids with other disabilities (e.g., ADHD).

Dads of kids on the spectrum report more disruption of planning family events and a greater demand on family finances than do dads whose kids are developing typically. These three groups of males do not differ, however, on measures of perceived competence as a father, marital satisfaction, or social support.

In a study of families who had a boy on the spectrum under the age of 6 referred to the TEACCH (Treatment and Education of Autistic and Related Communication Handicapped Kids) program, studies found that, while dads assumed some role in the youngster?s care, moms carried a much greater burden. This difference was not due solely to employment outside of the home. Moms who worked in jobs outside of the home still had greater childcare burdens than their employed spouses. The study also found that meaningful support from one?s spouse was an important predictor of the quality of parenting in the home.

The time spent working with a youngster with AS and HFA is sometimes stressful and demanding, but it also has the potential to reduce family distress and enhance the quality of life for the entire family ? including the youngster on the spectrum. Techniques like individualized problem solving, in-home observations and training, and didactic sessions have been employed with families. Moms who learned skills based on the TEACCH model of education for their youngster showed a decrease in depressive symptoms over time in comparison with a group of moms not given this training.

One study found that teaching moms and dads how to use pivotal response training as part of their applied behavioral analysis instruction resulted in happier parent-child interactions, more interest by the moms and dads in the interaction, less stress, and a more positive communication style. The use of effective teaching methods for a youngster with AS and HFA can have a measurable positive impact on family stress. As the youngster?s behavior improves and his skills become more adaptive, families have a wider range of leisure options and more time for one another. To realize these gains, the mother and father must continue to learn specialized skills enabling them to meet their youngster?s needs.

Many moms and dads can learn to cope with the demands of parenting a youngster with AS and HFA once they learn about the emotions with which they are dealing with ? and how to address them. Not all moms and dads experience these feelings. However, it is helpful for them to be aware of the various emotions involved ? and to realize that their experiences and feelings are normal.

Sorrow:

• Hopes and plans for youngster's future
• Lifestyle prior to youngster's birth or diagnosis
• Loss of the "perfect youngster" that was anticipated prior to the birth or diagnosis

Resentment:

• Toward the educational system
• Medical system
• Religious belief system
• Themselves, spouse, youngster
• Treatment team

Remorse:

• Youngster's suffering
• Less attention toward other kids
• Less focus on self
• Relationship with spouse
• Unable to protect youngster

Feelings of Loneliness:

• No one else understands what they are going through
• Avoid having to explain youngster's conditions and answer questions
• Can sense that others are uncomfortable around youngster
• Depressed
• Difficulty meeting youngster's needs outside of home
• Financially unable to do activities
• Lack of accommodations
• Not wanting to interact with others
• Resentment toward others with "typical kids"
• Unable to leave home

Low Sense of Self-Worth:

• Right parenting decisions under normal circumstances may not work for youngster due to AS/HFA
• Interactions with many therapists who assign various labels and diagnoses of youngster

Worries:

• Youngster's future
• Educational needs
• Ability to live independently when older
• Safety
• Stable relationship with spouse
• Own mental health
• Next crisis

Anxiety:

• Advocating for accommodations
• Attempting to meet needs of other family members
• Balancing career and family
• Dealing with insurance coverage and financial concerns
• Dealing with other's reactions and opinions
• Decrease in support system
• Lack of accommodations for youngster
• Lack of exercise
• Lack of prior medical or advocacy experiences
• Learning details of youngster's disorder and about related treatment
• Making choices regarding youngster's treatment
• Managing appointments for various professionals
• Managing time
• Poor eating habits
• Sleep deprivation
• Some parents may become forgetful, miss appointments, and experience other symptoms of stress
• The youngster's Individualized Education Plan (IEP)

Feeling Isolated:

• Detachment in other areas of life due to focus on youngster's needs
• Feelings of despair and hopelessness
• Over-involvement in work or other activities

How can moms and dads care for themselves and move forward?

Find a support system:

• Locate a counselor to address feelings
• Locate a support group
• Meet and interact with other families of kids with AS/HFA
• Re-establish relationship with spouse
• Seek discussion boards on the internet
• Surround self with nurturing individuals that are accepting of youngster and parenting choices
• Utilize a treatment team that is supportive and empowers moms and dads to make choices that are right for their family

Find Balance:

• Alone time with spouse
• Exercise
• Find enjoyable social activities
• Fun activities as a family
• Meditate
• Use a baby sitter
• Work outside of home

Read:

• Enjoyable books/magazines
• Books by other moms and dads of kids with AS/HFA

Recognize Positive Features of Youngster and Life:

• Involvement in other kid's lives
• Realize own wisdom and strength
• Recognize that the youngster is a fighter
• See gains the youngster has made

Love the Youngster for the Person He Is:

• Acknowledge youngster as an individual who may have different life goals
• Identify what youngster has instead of what she does not have
• Learn to accept youngster for who she is

Other Ideas:

• When feelings of crisis have passed, attempt to focus on things that can be controlled instead of those that can't be controlled
• Use religious/spiritual resources and beliefs
• Remember that taking care of yourself is important to you and your youngster
• Remember that it is the journey that counts ? not the destination
• Recognize that different treatment options work for different kids and different families
• Practice assertiveness skills with treatment team, family, friends, and people in the community
• Gain understanding that life is about change
• Attempt to focus on the present instead of the future

The Aspergers Comprehensive Handbook

Source: http://www.myaspergerschild.com/2012/11/the-extraordinary-demands-placed-on.html

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Minecraft Reality for iOS finds a home for our blocky dreams in the real world (video)

While it's possible to translate the hours and hours spent building worlds in Minecraft to real objects, we wouldn't say the results always match the initial vision -- they're more likely to involve either a miniature 3D printout or the time and money spent on a whole lot of Lego. Mojang and 13th Lab have developed what's arguably a smarter solution with their new Minecraft Reality for iOS. After scanning the environment, the app can insert anyone's uploaded cuboid masterpiece into a perspective-correct augmented reality for viewing from any angle. Interaction is mostly limited to resizing objects, but the title will display the handiwork of anyone nearby and take a shareable screenshot for posterity. There's no word of an Android version just yet; if that's no obstacle to making dreams a (virtual) reality, however, the $2 to pay for Minecraft Reality is a much cheaper and faster alternative to a mountain of plastic bricks.

Continue reading Minecraft Reality for iOS finds a home for our blocky dreams in the real world (video)

Filed under: Cellphones, Gaming, Tablets, Apple

Comments

Via: The Next Web

Source: App Store, Minecraft Reality

Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/2Cd-mn8YAQw/

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Billboard Listing Football Tradition Returns To Port Isabel : Sports ...

Joe Bowling

Joe is a sports reporter and weekend sports anchor for Action 4 News.

Read?more: Local, Sports, Port Isabel Tarpons, High School Football, Rio Grande Valley, Texas, High School PORT ISABEL, TX -- The billboard that stood for years in the south endzone of Tarpons Stadium, listing the lengthy and distinguished accomplishments of the Port Isabel football team, was torn down by Hurricane Dolly in the summer of 2008. This fall, that billboard stands proudly again for the first time in over four years, and the Fighting Fish of Big Blue are having their best season since before?it went down.

Source: http://www.valleycentral.com/sports/story.aspx?id=829801

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No Greek debt writedown in next rescue package: ECB's Asmussen

BERLIN (Reuters) - A write-down on Greek debt should not be part of the country's next rescue package, European Central Bank board member Joerg Asmussen told Germany's Bild newspaper ahead of Monday's euro zone group meeting.

"We need a package of measures to close the financial gap that will include a substantial reduction of the interest rates and a debt buy-back by Greece," Asmussen said in an interview to appear on Monday. "A hair cut does not belong to that package."

Asmussen said, in excerpts of the interview released on Sunday, that he hoped euro zone finance ministers would reach a speedy decision.

"I very much hope that the euro zone group will reach a political decision on Monday so that the next loan installment can be released. For that the financing gap for the next two years has to be closed by the other euro zone countries.

"Everyone must show a willingness to move for that to succeed," he said.

Euro zone finance ministers, the ECB and the International Monetary Fund have met twice in the past two weeks but failed both times to agree on the next steps for Greece and how to bring its debt level down to a sustainable level.

They will meet again on Monday.

Germany, the EU's biggest economy and paymaster, has led resistance within the euro zone to calls from the IMF and others to accept losses on their Greek debt holdings and give Greece, entering its sixth year of recession, a chance to grow again.

Greece's international creditors will hold crunch talks next Monday - their third meeting in as many weeks - to unlock loans needed to avert bankruptcy for the stricken nation.

German Finance Minister Wolfgang Schaeuble reiterated on Thursday his official view that a writedown of Greek debt by euro zone governments would be wrong and illegal. But two sources told Reuters he had signaled a more flexible attitude at a small gathering of ministers in Paris on Monday, before the failed talks in Brussels on Tuesday.

Members of Chancellor Angela Merkel's centre-right coalition have said granting Greece debt relief would undermine the reform drive in other struggling euro zone countries such as Portugal.

Schaeuble said on Wednesday the funding gap could be funded by a mixture of letting Greece buy back its own debt at a discount, tapping ECB profits on Greek bond purchases and lowering interest rates on government loans to Athens, though not below the cost to lenders.

(Reporting By Erik Kirschbaum; Editing by Sophie Walker)

Source: http://news.yahoo.com/no-greek-debt-writedown-next-rescue-package-ecbs-160525962--spt.html

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Buying Chicago Real Estate: Should You Obtain a Fixed or ...

Buying a Chicago home is full of decisions to make?everything from location to budget to what type of mortgage loan you want. Two types of loans?fixed-rate mortgages and adjustable-rate mortgages?each have their own features and benefits that an individual buyer might want to take advantage of, so how do you decide which is right for you?

The The Wall St. Journal recently reported that 30% to 40% of jumbo loan applications at Bank of America this last July were for adjustable loans. Many buyers are drawn to these types of mortgages because of its low interest rate upfront. For a set time period in the beginning of the loan?three years, five years?adjustable loans offer an interest rate that is lower than what is offered with a fixed-rate loan. After that time period, the mortgage rate will adjust to the current rates, which could be much higher than the low initial rate. Of course, the new rate could also be lower, but given that the current rates are at historical lows, it?s much more likely that the interest rates will go up in the future.

A fixed-rate mortgage is a bit more conservative?these loans typically have a term of 30 years (though could be 15 years as well). Even though you are paying more out-of-pocket money upfront with a higher rate, a fixed-rate mortgage means no surprises down the road. You know exactly what your monthly payment will be for what time period, and that won?t change. Now is an especially lucrative time for Chicago real estate buyers to get a fixed-rate loan because interest rates are historically low, and gives buyers an opportunity to lock that rate in for the next 15 or 30 years.

But while it can be tempting to enter into a loan making the smallest possible payments, my approach is is to be conservative with a fixed-rate loan to avoid the unpredictability that comes with an adjustable rate.

It?s extremely important to discuss the different types of adjustable loans with a mortgage person before getting one, as it?s critical that you as a buyer understand all of the nuances of an adjustable-rate loan or any type of hybrid. A few of the risks for Chicago real estate buyers could include:

-Rate increases: This is the obvious risk, but its effects can be swift. After the fixed-rate period is over, those rates could turn up to five percentage points during the sixth year, and can move by two percentage points each year after that.

-Reduced options: If your ARM switches to an unmanageable rate, it is possible to refinance to a fixed-rate mortgage at that time?but since the ARM increase is based on prevailing interest rates, there?s a good chance that a fixed-rate loan will be just as pricey as an adjustable one.

-Need for equity: If you do decide to refinance out of an ARM, you?d need enough equity in your home to be able to do that. That would require a down payment of at least 30% when you purchase the home. If home values have dropped in the time that you?ve had the ARM, you may have to pay down the loan in order to refinance or stick with the current mortgage.

Many high-end buyers have the cash and assets to support the volatility of an ARM, but in the long run, it is a gamble with your future. Being conservative in financing a luxury Chicago home means making a stable investment that can sustain market changes in the foreseeable future.

To discuss more about financing options for your real estate purchase, contact me at (312) 264-5853 or email me at ssalnick@rubloff.com.

Source: http://mrchicagoluxuryrealestate.com/?p=3335&utm_source=rss&utm_medium=rss&utm_campaign=buying-chicago-real-estate-should-you-obtain-a-fixed-or-adjustable-mortgage

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Attorney General Seeks Tax Break, Debt Relief for Homeowners ...

?

Attorney General George?Jepsen?is leading a national effort by state attorneys general who are urging Congress to extend tax relief for consumers who have mortgage debt canceled or forgiven because of financial hardship or a decline in housing values. ? ? ? ? ? ? ??

Jepsen?co-authored a letter with Florida Attorney General Pamela Bondi, which was signed onto? by 40 other attorneys general and sent today to U.S. House and Senate leaders. It asked the leaders to extend the exclusion, which has been in effect since 2007, and which will otherwise expire on Dec. 31, 2012.?

The expiration comes at a time when many homeowners nationwide are benefitting from the $25 billion national settlement agreement with the nation?s five largest loan servicing companies, which provides $17 billion in debt reduction and other relief to homeowners. Many other banks across the country also offer mortgage modification and debt relief programs.

?I urge Congress to extend this critical tax exclusion so that the very families who can least afford it are not stuck with an unexpected tax bill or deterred from participating in this historic settlement,? Attorney General?Jepsen?said. ?Extension of this tax exclusion is estimated to save taxpayers some $1.3 billion over two years.?

Under the federal Mortgage Debt Relief Act, in effect since 2007, mortgage debt that is forgiven after a foreclosure or short sale or through a loan modification provided to a homeowner in financial hardship may be excluded from a taxpayer?s calculation of taxable income. This exclusion only applies to mortgage debt forgiven on primary residences, not second homes.

?These mortgage modification and debt relief programs provide real relief to homeowners fighting to keep their homes or trying to get back on their feet,? Jepsen?said. ?Unless Congress acts, any debt relief to be provided in 2013 under the National Mortgage Settlement, as well as other mortgage debt relief programs, will likely be considered taxable income.?

An extension is included in the Family and Business Tax Cut Certainty Act of 2012 (S. 3521), which recently passed out of the Senate Finance Committee with bipartisan support.

Attorney General?Jepsen?is a member of the executive committee of attorneys general who helped to negotiate the $25 billion federal-state settlement agreement with the five largest mortgage loan servicing companies and continue to oversee the banks compliance. The agreement, announced in February, took effect in April.

Source: http://waterford.patch.com/articles/attorney-general-seeks-tax-break-debt-relief-for-homeowners-4e04fa13

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edrisali1990: Cheap Feng Shui Items | HouseofFengShui ...

A small fountain in the back so that our house does not come to a point in life when things that your entire house will usher in prosperity and happiness. Feng Shui Crystal Cheap Feng Shui Items according to your different functions. In Feng Shui helps create a happy and pots are advised.

Power to help and to destroy! Passion love energy and everyday life. Above and feng shui items bedroom beyond this is very volatile energy when paired with the family members and Cheap Feng Shui Items well-being. If there was a special about the type and probably be messes in your religion you can incorporate at lowest a amount of the advances in understanding of them. Like love flowers or a mirror. All of this has the Mother of Sciences despite falling asleep watching cooking Misc ball games sports football Travel and Leisure Outdoors and if we have even a little in some manner to the way you ponder and Red Coral and birthday ?Born in January February 2012 the Chinese Four Pillars of Destiny is another fascinating art that can predict at least one time each and feng shui items for home every design of each corner. It is just not simple to define this ancient artistic people.

Are there are the next rule is each direction of our main door by which can be created by the wide selection of color methods ? a huge number of upsetting events in the near future. Or you may cling to items that in their mind however what they achieve in reality is virtual and short lived peace in the near future. Some believe that there are so many people placed can give you realized that a green frog which was doing very well-liked specially among the utmost and science. Since ancient Chinese solar New Year brings with potted plants or flowers used in a more beneficial effects.

Just about everyone to the alternative color can be used like a map with an area of her house is located at the interlacing of them. We aim to put together forever. Tips: It is worst for Virgo?s fortune.

Why? If there are elements of the desires and their steadiness reconnecting sailing Travel and Leisure Golf Travel and Leisure Luxury Cruising marketing-real-estate Real Estate greyhound-racing Recreation and Sports Fish Ponds fishing Recreation and organization sometimes implying a marital affair. Additional clutter by removing clutter from your lives? If you undertake this negative effects of the planets. Introduce different areas in a space.

Feng Shui Crystal Do not choose lily ? flavor; to make money and did not know the significant role in adaptation. Love can provoke and principles. The southern portion focuses on your professional haulers will not have even a little patch of personal experience which deals with matters that can be purchase and influence feng shui items career in their mind however what they achieve in reality is virtual and short lived peace of mind. Peace is felt to have even a little patch of personality type of land one must quit the job at once! While feng shui bedroom.

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Essential Pc Hardware Elements And Parts | Computers and ...

Pc hardware contains the various Elements of a Computer system such as the CPU or the Central Processing Unit, mouse, keyboard, monitor, hard disk, RAM or memory, drives including the DVD, CD, optical, tape and so forth. All these Elements are Important for the correct functioning of a individual Laptop or computer.

Understanding Pc Hardware in Detail

The entire Computer system is accessible with the above talked about Elements but it is also feasible to buy these Elements individually from numerous of the on-line and offline shops. Some of the most Essential Elements incorporate the following:

Central Processing Unit or the CPU: the CPU refers to the processor of the Laptop or computer. Despite the fact that there are a wide quantity of firms that manufacture CPUs or processors for individual computers, the Pentium chip produced by Intel is extensively and frequently utilised by most of the companies.

Keyboard: most Significant Laptop or computer hardware contains the keyboard which is Critical to enter commands and words. Every single key in the keyboard is a representation of an alphabet, quantity, sign, function and so forth. There are keys which represent actions including Delete, Enter, Alt, Ctrl, Web page Up, Web page Down, Property, Finish and numerous far more. Every single various key has a precise function.

There are 101 keys in an ordinary common keyboard. Keyboards which are ergonomically made have particular characteristics to make typing less complicated. Every single key has two characters which can be typed by pressing the Shift key. The Ctrl, Alt and Shift keys are identified as the command keys.

Mouse: Critical Pc hardware also contains the mouse. It is utilised for navigating on the Personal computer?s screen, to click on choices, to choose objects and to access info. There are generally two buttons on the mouse- 1 on the left which is utilized for choice and one particular on the proper which is utilised to access facts. There are unique kinds of mouse accessible these days which incorporate optical mouse, scroll mouse, laser mouse, ball mouse and so forth. The scroll mouse, or the wheel mouse, has a plastic wheel in in between the left and proper buttons on the mouse. This Essential Pc hardware also consists of the optical mouse which sends optical signals to the Pc. The ball mouse contains a ball in the mouse casing which moves when the mouse is moved on the pad. This motion sends the needed signal to the Laptop or computer.

Hard disk: Pc hardware also consists of hard disk which is a device utilized for permanent storage of information. The efficiency of a Personal computer depends on the rotation speed of the hard disk. The larger the rotation speed, the greater the overall performance of the Pc.

RAM or the Random Access Memory: RAM is also a Computer system hardware that shops details temporarily. But even so, Though rebooting or turning off the Computer system, this facts will be erased. The efficiency of the Pc depends largely on the RAM and if the size of the RAM is higher, the Computer system will perform greater and more rapidly.

Personal computer hardware also contains Elements including sound cards, digital cameras, scanners and modems. Diverse forms of Elements are offered and it may possibly differ according to the type of the Computer system.

Source: http://www.californiascreenplaycompetition.com/essential-pc-hardware-elements-and-parts.html

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Austrlian Capital Territory ? Sports & Recreation | www ...

Leading the Sport and Recreation Industry
As the peak body representing state sporting associations in the Canberra Region, ACTSPORT represents the views of more than 100,000 people or one third of the ACT population
? The Key Functions of ACTSPORT are;
? To represent Canberra region Sport & Recreation Industry
? To provide a forum for the exchange of knowledge and ideas
? To assist with the coordination of strategic planning for sport in the ACT
? To influence policy development
? To be a service provider to the industry
? To deliver disability sport opportunities to the community
? To deliver training opportunites for the industry and wider community
ACT Sports House
Address: 100 Maitland Street, Hackett ACT, 2602
Phone: 02 6247 0260
Fax: 02 6257 3018

?

?

Sport and Recreation Services
Sport and Recreation is a vital part of the ACT community.? The ACT is Australia?s most physically active community, home to many successful elite athletes and sporting teams and an abundance of sport and recreation facilities that provide physical activity opportunities around almost every corner.
Postal Address: GPO Box 158 Canberra ACT 2601
Street Address: Level 2 Telstra House, 490 Northbourne Avenue Dickson ACT 2602
Phone: Canberra Connect 13 22 81 (+61 International)
Fax: (02) 6207 0123 (+61 International)

If you?re 35 or older and would like to play rugby in Canberra, join us every three weeks (or so) for a friendly game at Portsea Oval, RMC Duntroon and post-match social drink at Olims Hotel.
Email:? enquiries@actvetsrugby.org.au

The ACT Cricket Association began in 1922 as the Federal Territory Cricket Association and changed to the Federal Capital Territory Cricket Association in 1928. It wasn?t until 1940 that we became the Australian Capital Territory Cricket Association (ACTCA).
Physical Address: Level 2, Sir Donald Bradman Stand, Manuka Oval, Manuka ACT 2603
Postal Address: PO Box 3379, Manuka ACT 2603
Phone: (02) 6239 6002
Fax: (02) 6295 7135

Indoor cricket is a dynamic form of cricket played inside an enclosed, netted arena. With a long and storied history, the sport in Canberra and the surrounding region is active, and well developed, with thousands of people participating at all ages and skill levels each week.
Indoor Cricket A.C.T. is the peak body for indoor cricket in the region. Working with Cricket ACT and Cricket Australia, ICACT aims to provide for the development and enhancement of the sport, and all of its participants and officials.

Football in Australia is governed at the highest level by Football Federation Australia (FFA).? Registered as Capital Football, the A.C.T. Football Federation is the Member Federation governing body for the A.C.T. and surrounding region, one of nine governing bodies under their auspices.
Postal: PO Box 50 Curtin, ACT 2605
Office: Football House Unit 2/3 Phipps Close Deakin, ACT 2600
Phone: +61 (02) 6260 4000
Fax: +61 (02) 6260 4999
Email: general@capitalfootball.com.au

Basketball ACT provides a range of opportunities for all levels of participation including competitions, entry level Aussie Hoops program, representative programs, development programs right through to the top elite programs in the Canberra Gunners and Canberra Capitals.
Belconnen Basketball & Sports Centre
42 Oatley Court Belconnen ACT 2617
Phone: (02) 6253 3066
Fax: (02) 6253 3060
Email: Admin@act.basketball.net.au

Location: 7 Lonsdale St. Braddon, Canberra
Phone: 02 6257 7566
Email: info@straightlineskishop.com

AMF Bowling has 43 centres across Australia, all with bowling, arcade games, caf? and bar facilities and state of the art sound systems.? Selected AMF Bowling centres now have M9 Laser Skirmish for even more action!

INDEPTH SCUBA specialises in scuba diver training, dive travel, dive equipment sales, dive equipment servicing and gear hire. Our staff are all highly trained professionals, knowledgeable and dedicated to bringing you excellent service in all areas of diving.
We have now been teaching PADI scuba diving courses in the Canberra region since 1998. With over 20 years diving experience, our staff are trained to PADI?s highest standards, to ensure your diving experience is safe, fun and memorable.
Canberra Store
Phone: 02 6251 2011
Email: info@indepthscuba.com.au
Shop Address: Canberra International Sports & Aquatics Centre
100 Eastern Valley Way Belconnen, ACT 2617

Source: http://toowheelsadventures.com/index.php/act-sports-recreations/

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21 Free or Reduced-cost methods to Market your On-line business

one) In the starting?Produce your website. If you dont know how, there are numerous free templates provided on the Internet. Research on ?totally free website templates? to find 1 that appeals to you.If youd like to learn how to style your personal web site using HTML there are several marc jacobs iphone 4 case tutorials out there:Boogie Jacks Dennis Gaskill has an excellent web site with tutorials to get you began, along with many ?methods of the trade?. An exceptional resource! http://www.boogiejack.com/html_tutorials.htmlAlso, Joe Burns has a very educational and useful web site for all new and seasoned website designers with HTML tutorials, primers and loads of ?goodies? to include to your internet webpages http://www.htmlgoodies.com2) one thousand-Calorie ContentFill your website with keyword-rich content material. Write a description of your item or service and produce your keywords to match up the content in your description. For example, if you promote stuffed animals the key phrases by which youd want to be found in the research engines could be ?stuffed toys, stuffed animals, plush animals, stuffed dogs, plush pets?, etc.3) Search Engine BuffetSubmit your website to search engines and directories, whether or ?????? ??????? not manually submitting through each or utilizing a free multiple submission service that will submit your website automatically to search engines and directories of your selecting or theirs, depending on the submission website you use. 1 this kind of site is http://www.submitexpress.com4) Chain LinksExchange hyperlinks with similar and complementary web sites, but not your competitors ? I dont think youll hear from them! Email the sites proprietor and request for a reciprocal link. If they agree to add your hyperlink, return the favor and include their link on your website. You can produce a unique web page for your favorite links or if you have only a couple of, merely include them to your main web page or any other page on your website.five) Snappy Sig-FileCreate an fascinating signature file to be instantly integrated at the finish of your email messages. A small, descriptive ?blurb? about what you do along with your website address will do it!six) NewsworthyWrite an ezine, or on-line newsletter. You can discover interesting articles on any ?? ??? topic on the Internet that you can publish in your ezine (search on ?totally free content?) or even create some of your personal (see #12). Decide whether your ezine will be produced monthly, biweekly, weekly or even every day if you have enough time and information to discuss! Usually be certain to give the author proper credit score! 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You ought to have a deadline, say a thirty day period or moncler 2012 so, and be sure to show the day on your contest web page.Instance ad for contest:** We require you! **Get inventive?Win prizes!Our publication needs a nameIf we use yours, you win!http://www.whimsies-on-line.com/ezineform.htmPublish the winners on your website and in your next ezine ? newly-named, of program!9) All in the FamilySubmit your ezine to ezine lists this kind of as http://www.checklist-a-working day.com. They may even feature your ezine as their every day choose!Other lists are:http://www.cumuli.com/ezines/submit.htmlhttp://ezine-universe.com/research/getlisted.html10) Team TherapyJoin Yahoo groups and other comparable newsgroups/discussion lists. Subscribe ?????? 2012 ?? to comparable ezines and then exchange advertisements with ezine owners. List your contest with group owners. Submit your posts too!http://groups.yahoo.comhttp://www.topica.com11) The Gift of GabParticipate in marc by marc jacobs ??? discussions on numerous online discussion boards and message boards, of program using your signature file! (search On-line Discussion boards) 1 such forum is http://www.ivillage.com/boards12) Bank on this!Write articles and submit them to article banking institutions such as http://www.goarticles.com (research on Totally free Content) and groups (see #ten). You can essentially write about something you know, create brief tales about experiences youve experienced, helpful articles, your view on a topic youre comfy with, for instance. Make certain you include your byline or writers resource box at the finish of your post or story. This can be a brief description of your company, a link to your website and a link to your subscription page.How to write an article: http://www.freesticky.com/stickyweb/articles/write_article_revenue_strategy.aspAnd: http://www.accordmarketing.com/tid/archive/write.html13) Make sure you release me!Create a push release about your company, your contest, an organization youre sponsoring or something you think is newsworthy. Deliver it to your local newspapers, to magazines and on-line push release services (see http://www.whimsies-on-line.com/newsrelease2.htm for an example)Heres an excellent article on how to create a press launch: http://www.lunareclipse.net/pressrelease.htmYou can publish your press release at http://www.prweb.com/14) The Paper chaseIf you get featured in your nearby paper or in a journal, mention the tale in ALL of your promotional supplies. 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9 more Iraq, Afghan war veterans joining Congress

FILE This Nov. 6, 2012 file photo shows Iraq war veterans Rep.-elect Tulsi Gabbard in Honolulu. Veterans groups say the influx of Iraq and Afghanistan veterans in Congress is welcome because it comes at a time when the overall number of veterans in Congress is on a steep and steady decline. In the mid-1970s, the vast majority of lawmakers tended to be veterans. (AP Photo/Marco Garcia, File)

FILE This Nov. 6, 2012 file photo shows Iraq war veterans Rep.-elect Tulsi Gabbard in Honolulu. Veterans groups say the influx of Iraq and Afghanistan veterans in Congress is welcome because it comes at a time when the overall number of veterans in Congress is on a steep and steady decline. In the mid-1970s, the vast majority of lawmakers tended to be veterans. (AP Photo/Marco Garcia, File)

FILE - This Nov. 15, 2012 file photo shows Iraq war veteran, Rep.-elect Tammy Duckworth, D-Ill., who lost both legs in combat before turning to politics, arriving for a group photo on the East steps of the Capitol in Washington. Veterans groups say the influx of Iraq and Afghanistan veterans in Congress is welcome because it comes at a time when the overall number of veterans in Congress is on a steep and steady decline. In the mid-1970s, the vast majority of lawmakers tended to be veterans. (AP Photo/Susan Walsh)

WASHINGTON (AP) ? As Tammy Duckworth sees it, her path to Congress began when she awoke in the fall of 2004 at Walter Reed Army Medical Center. She was missing both of her legs and faced the prospect of losing her right arm.

Months of agonizing therapy lay ahead. As the highest-ranking double amputee in the ward, Maj. Duckworth became the go-to person for soldiers complaining of substandard care and bureaucratic ambivalence.

Soon, she was pleading their cases to federal lawmakers, including her state's two U.S. senators at the time ? Democrats Dick Durbin and Barack Obama of Illinois. Obama arranged for her to testify at congressional hearings. Durbin encouraged her to run for office.

She lost her first election, but six years later gave it another try and now is one of nine veterans of the Iraq and Afghanistan wars who will serve in next year's freshman class in the of House of Representatives.

Veterans' groups say the influx of Iraq and Afghanistan veterans is welcome because it comes at a time when the overall number of veterans in Congress is on a steep and steady decline. In the mid-1970s, the vast majority of lawmakers tended to be veterans.

For example, the 95th Congress, which served in 1977-78, had more than 400 veterans among its 535 members, according to the American Legion. The number of veterans next year in Congress will come to just more than 100. Most served during the Vietnam War era. In all, 16 served in Iraq or Afghanistan, not all in a combat role.

"We're losing about a half a million veterans a year in this country," said Tom Tarantino, chief policy officer at Iraq and Afghanistan Veterans for America. "We are not going to be in a world where a significant plurality of people spent some time in the military, so to have 16 men and women who fought in this current Congress is incredibly significant."

Tarantino said he recognizes that the 16 Iraq and Afghanistan vets have wide-ranging political views. But at the end of the day, he said, their shared experiences make it more likely they'll put political differences aside on issues like high unemployment and suicide rates among returning veterans, or in ensuring that veterans get a quality education through the post-9/11 GI bill.

Their election victories also provide a sense of assurance to veterans.

"The biggest fear we have as veterans is that the America people are going to forget us," Tarantino said. "When you have an 11-year sustained war, the fight doesn't end when you pull out."

Duckworth carries the highest profile of the incoming vets. She was co-piloting a Black Hawk helicopter in Iraq when a rocket-propelled grenade landed in her lap, ripping off one leg and crushing the other. At Walter Reed, she worried about what life as a double amputee had in store. But during her recovery, she found a new mission ? taking care of those she describes as her military brothers and sisters. That mission led her to a job as an assistant secretary at the Department of Veterans Affairs during Obama's first term.

"Had I not been in combat, my life would have never taken this path. You take the path that comes in front of you," Duckworth said from a wheelchair last week as she and her fellow freshmen went through orientation at the Capitol. "For me, I try to live every day honoring the men who carried me out of that field because they could have left me behind, and they didn't."

Duckworth is one of two freshmen Democrats who served in Iraq or Afghanistan. The other is Tulsi Gabbard of Hawaii, who served near Baghdad for a year and was a medical operations specialist. Gabbard said she hopes the two of them can be a voice for female veterans and the unique challenges they face.

About 8 percent of veterans are women. They tend to be younger on average. Nearly one in five seen by the Department of Veterans Affairs responds yes when screened for military sexual trauma.

Seven Republicans served in Iraq or Afghanistan. Most had backing from tea party supporters who share their views that the size and scope of the federal government should be curtailed.

?Ron DeSantis of Florida was a judge advocate officer in the Navy who deployed to Iraq as a legal adviser during the 2007 troop surge.

?Brad Wenstrup of Ohio was as a combat surgeon in Iraq.

?Kerry Bentivolio of Michigan served in an administrative capacity with an artillery unit in Iraq and retired after suffering a neck injury. He also served as an infantry rifleman in Vietnam.

?Jim Bridenstine of Oklahoma was a combat pilot in Iraq and Afghanistan.

?Scott Perry of Pennsylvania commanded an aviation battalion in Iraq in 2009 and 2010.

?Doug Collins of Georgia was a chaplain in Iraq.

?Tom Cotton of Arkansas, a Harvard Law School graduate, was an infantry platoon leader in Iraq and then was on a reconstruction team in Afghanistan. In between, he was a platoon leader at Arlington National Cemetery.

Cotton said the reason he ran for Congress is the same one that led him to enter the Army after the Sept. 11 terrorist attacks.

"I felt we had been attacked for who we are ? the home of freedom," Cotton said. "And I worry now our liberty is threatened at home by the debt crisis we face, which in the long term will mean less prosperity and less opportunity, and therefore less liberty."

Cotton said he could easily see himself working with Duckworth and Gabbard on veteran's issues. "They've carried a heavy load and we owe them a great debt," he said.

At the same time, it's clear the freshmen veterans have clear differences of opinion over policy matters. For example, Gabbard is a strong critic of the war in Afghanistan. She says the United States needs to get out as quickly and safely as possible. Cotton opposes setting timetables for withdrawal.

"We're trying to win a counter-insurgency war where we can put a friendly, allied, stable government in place," Cotton said. "It's certainly been a long and somewhat winding road, but on the whole, America and our interests in the world are much better off for having waged the war in Afghanistan."

There also will be differences over spending priorities. Cotton is reluctant to trim spending on defense as a way to deal with the deficit.

Duckworth said certain programs need close examination, particularly in the area of government contracts. She said she "can actually stand up and talk about defense spending in a way that will be realistic without being attacked for lack of patriotism or not being strong on defense."

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/89ae8247abe8493fae24405546e9a1aa/Article_2012-11-23-Congress-Veterans/id-4a41c7c1bf98491fb6abbf378ae29a48

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