Tuesday, July 31, 2012

Facebook fiasco drags UBS profit lower

ZURICH (Reuters) - UBS reported a surprise slump in profit, hit by a big trading loss on Facebook's stock market debut and a drop in revenue that pushed its investment bank into the red.

Second-quarter net profit more than halved to 425 million Swiss francs (276.8 million pounds), the Swiss bank said on Tuesday, in a dramatic miss of analysts' forecasts.

Its shares fell 4.8 percent, underperforming European banking stocks

"This is a weak set of results, but the big disappointment is the investment banking loss with drops in revenue in nearly all segments," Bank Sarasin analyst Rainer Skierka said. He rates the stock at neutral.

Also on Tuesday, rival Deutsche Bank posted a sharp decline in quarterly earnings from its investment banking and asset management businesses.

Analysts in a Reuters poll had on average forecast UBS to make net profit for the three months ended June of 1.141 billion francs.

UBS's investment bank swung to a pre-tax loss of 130 million francs from a profit of 383 million francs a year ago.

The bank, which was a market-maker on social networking site Facebook's initial public offering (IPO) in May, said it suffered a 349 million Swiss franc ($355.7 million) loss as a result of U.S. stock exchange Nasdaq's "gross mishandling" of the offer. It plans to take action against the exchange.

That loss came on top of a drop in investment bank income as revenue from equity derivatives wilted. UBS is typically stronger in issuing and trading equities than trading debt and commodities. By contrast, foreign exchange and bond trading held up on the year.

UBS said the euro zone debt crisis, the weak global economic outlook and the U.S. "fiscal cliff" of potential steep tax increases and spending cuts were hurting its business.

The bank said it would seek to further prune risky assets overall and at its investment bank, saying it was confident the unit could hit profit targets. The investment bank's risk-weighted assets, or RWAs, which stood at 170 billion francs in the quarter, will be cut to less than 135 billion francs in 2016, the bank said.

UBS said it was confident it would continue to gather net new assets, which totalled 9.5 billion francs in its flagship private banking arm for the wealthy.

SILENT CUTS

The bank said it would continue to improve efficiency, without detailing further measures. The bank, which employed 63,520 staff at the end of June, is currently cutting roughly 3,500 jobs.

Tom Naratil, the bank's financial chief, told journalists UBS had put aside funds for a 2012 dividend, which would be its second since the financial crisis that wrought major losses at UBS and culminated in a 2008 government rescue.

Naratil said additional cost cuts would be largely "silent, rather than with great fanfare."

Rival Credit Suisse said two weeks ago it would cut an extra 1 billion francs in spending, part of a slew of measures to bolster its capital by $15.59 billion (9.93 billion pounds), including by cutting an undisclosed number of jobs.

SUBPOENA

UBS, the first bank to say last March it had been subpoenaed in a probe into how banks attempted to manipulate the London interbank offered rate, or Libor, said it had appropriate provisions for all litigation.

Specifically, UBS, which has previously admitted probes into the yen and Swiss franc Libor and euroyen Tibor, has secured leniency from some justice authorities in return for cooperating with probes into the setting of Libor, a benchmark that underpins an estimated $550 trillion in financial products.

UBS signalled its exposure to Libor probes is limited to the three reference rates, and not others such as the Euro Interbank Offered Rate, or Euribor, where several banks are said to be cooperating with EU antitrust regulators.

"In order to obtain leniency or immunity, you have to find evidence to support this issue. We haven't found any evidence to support beyond the three we have already disclosed," UBS boss Sergio Ermotti said at a press conference.

($1 = 0.9811 Swiss francs)

(Reporting By Katharina Bart; Editing by Erica Billingham)

Source: http://news.yahoo.com/facebook-fiasco-drags-ubs-profit-lower-100038010--finance.html

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Isabella & Max Rooms: Oh, Which House Would You Pick?!

Sunday evening I attended this years Street of Dreams in Portland, arriving as late in the day as I thought I could get away with (with family in tow) in attempt to avoid the crowds. My husband I thought it'd be fun to take in the event as a date, but the kids would have none of that. They love a good house tour (fantasy house hunt) as much as their mother...oh, they do me proud!

Get ready for one long post! Today I'm showing you two houses, one my family voted as the one they would buy, if we were looking (and looking in this price range) and the other I selected. I couldn't do a thing to convince them to change their minds, but in the end I think they actually got me over to their side.?

House 1:

This house surprised me, looking at the floor plan before the show I wasn't that taken with it. But once inside, it proved to be amazingly cozy and welcoming with an absolutely fantastic flow. A staircase near the?master and a second on the other side of the first floor off the kitchen made moving through the rooms a breeze with everything very accessible. And then there were the details. Millwork, and more fabulous millwork, lighting from Rejuvenation Hardware throughout and a soothing and sophisticated ?color palette of whites, creams and grays.

The barrel vaulted ceiling had me at first glance into this home, which paid a lot of attention to its architectural details throughout.


A hallway is not left to be simply a passageway. From below...

...and above.

The kitchen was not over the top, but beautiful with classic detailing.


An outdoor space off a studio looking down to the covered entertaining area off the kitchen.


The master suite was striking with a checkerboard grasscloth on the headboard wall, and a stunning bathroom beyond.




A tub tucked perfectly into a little nook.

And it seems a washer and dryer are all the rage in master walk-in closets.

Leaving the master, turning to the right was the staircase to the upper floor. I loved the floor tile and the abundance of paneled walls.




Details add up, a recessed area at the top of the stairs to feature a piece of artwork.

Upstairs bath, classic and timeless.


The upstairs family room slash media room featured a curved wall of windows, a beamed ceiling...

gorgeous bar...


...and stairs leading back down to the kitchen.

Like I said, this floorplan was fantastic, making the home feel cozy and?livable.

And back out the front door where a cluster of fixtures made quite the statement.?

I didn't want to leave.


House 2:

Now this was the house that looked great on paper, I simply adored the placement of the pantry, butler's pantry and mudroom with pass through to the pantry. How brilliant is that??

Somehow, despite taking hundreds of photos, I didn't end up with a great shot of the exterior of house two.


Upon entering there was a handsome studio with plank flooring and grasscloth walls.

But straight ahead was the one of the best features of this home, the family room opening up to the outdoor entertaining area...


...which naturally was covered. It's Oregon after all, we want to be outdoors more than the couple of months a year it doesn't rain!

Off the outdoor area, adjacent to the family room was the dining room, separated but open to the kitchen with a pass through. Loved this.


Such cheerful tile!


A generous pantry with a second refrigerator.

From the pantry looking back through the kitchen to the family room.

But on the other side of the pantry wall sat the mudroom with a pass through for groceries...

...just off the garage. Isn't this just the best space planning, this would be sooooo convenient!

Through a second butlers pantry into the morning room.



The master was not my favorite room, but I liked the bathroom.?


Broken into a few smaller spaces it had a cozy feel, and I liked the brown tile.


The closet? Wow. It went on forever...

...complete with washer and dryer.


More cheerful tile in yellows in the kid's upstairs bath.



And back to the kitchen, such a fantastic space in this house!

Which one would you select?

And if you didn't guess, I was wild over the look and feel of the first house. It simply had an elegant and chic look which was special. But my family was crazy over house two with it's main floor living spaces and access to the backyard...so in the end I had to agree with them. If we were really house hunting we'd be moving into house number two!

And can you believe there were FIVE more homes?!?

One including the cutest little cottage in the backyard of a Tudor style home. More later in the week!

Source: http://blog.houseoffifty.com/2012/07/oh-which-house-would-you-pick.html

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Milwaukee Business Networking Opportunities: A Post Review: Why ...

By Jose Carlos Lindayag


Are you an active person who gets lots of email messages every day? If yes, I will share a particular post that can help you with this dilemma.

To efficiently answer all these email messages, the article proposes the use of sound file. Every occupied individual is likely to get numerous emails every single day. By making use of an audio file, you no longer need to type your email message on the keyboard with your hands and fingers. Therefore, it will save you more time and allows you to focus on other important things as well. In addition, it gets rid of the worries that you encounter in ensuring the right grammar and spelling of the content. General, it makes you more productive in times of work.

For the advantage of the readers, the author of the post wants to share how this approach functions. Fundamentally, the procedure and software are very easy to find out and fully grasp. One software used for voice recording is Quick Time player. To control this, all you need to do is to start the software and click record and then press stop if you are finished. After which is you open up your email and just simply move the audio track symbol to a new mail composition.

In addition, the writer also relies on a tool which is called text expander. This is a tool that will enable you to type more in less energy. This means that, you can type numerous paragraphs in just a couple of keyboard shortcuts.

The benefit of audio file is that the individual will recognize and feel more the information of the message that you are wanting to convey to him or her. Generally speaking, these tools are something that you can really apply in your every day work. Nowadays, work efficiency has to be set in a competitive level in order to focus more on things concerning the improvement of a particular business.

About the Author:

The post is based from a post of Shane Walker in his website, Rapid SEO Expert, talking about the value of work efficiency in whatever kind of business.

Source: http://www.milwaukeebusinessopportunities.com/2012/07/a-post-review-why-use-audio-file-in.html

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Monday, July 30, 2012

Top Bush Policy Wonk Continues to Blame Florida Districts for Testing

Ocala Star-Banner editor Brad Rogers?bought Patricia Levesque?s spin that the number of tests that some districts impose is the fault of the districts.

Patricia Levesque?s career has paralleled the rise of FCAT. In the 1990s she was a staff member for the Florida House Education Committee when, during Gov. Lawton Chiles? administration, the notion of testing to ensure accountability first emerged.

Over the years, Levesque rose in prominence, becoming an advisor to Gov. Jeb Bush, and finally commission of education under Bush. Today, she heads the Foundation for Florida?s Future, a Tallahassee think tank established by Bush whose primary mission is to ensure his education reforms ? including standardized testing ? continue to move forward.

I talked to Levesque last week about the growing concern that our schools are becoming test factories. She said FCAT was never intended to become what it has, that it was supposed to be an ?outcome reference? test, not the primary determinant of students? and teachers? futures.

Moreover, she said there is no consistency among Florida school districts as to how standardized tests are delivered. She referred me to a recent analysis the Foundation for Florida?s Future did of 11 large Central Florida school districts, including Marion County.

Perhaps Rogers should have talked to FairTest?s Bob Schaeffer. Schaeffer sent me this email response:

?There is no question that some county school boards mandate additional standardized exams on top of the FCAT. However, Levesque blithely ignores the fact that Florida politicians, spurred by the foundation she heads, have improperly attached so many consequences to FCAT scores that many local administrators feel a spate of practice exams is necessary to get their students ready to do their best on ?the big test.? With the FCAT used to determine third-grade promotion, high school graduation, school grades, educator bonuses, voucher eligibility, and now teacher retention, it?s easy to understand why administrators think test prep is so important. ?Enough already? is definitely the right reaction. But to stop testing overkill in Florida, the first step must be to ratchet back the misuse and overuse of FCAT scores.?

Levesque, a skilled political operative, is doing everything she can to deflect blame from her and her boss. Throwing districts under the bus is not beneath her as a means to an end. Schaeffer?s response brings focus back to where?she wanted to misdirect Rogers from. Levesque obviously doesn?t want to talk about the legislation she?s had a hand in writing which misuses and overuses FCAT scores.

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A long time ago and a planet far, far away I was an athletic trainer for the New York Mets. I was blessed to be part of the now legendary 1986 World Series Championship. My late father told me that I'd one day be thankful I had that degree in teaching from Florida State University. He was right and I became twice blesses to become a teacher in the late 1990's. After dabbling with writing about the Mets and then politics, I settled on education.

Source: http://bobsidlethoughtsandmusings.wordpress.com/2012/07/29/top-bush-policy-wonk-continues-to-blame-florida-districts-for-testing/

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Solidus Gaming Looking for MORE Writers/Reviewers | Video Game ...

Posted On: July 29th, 2012 ?? Tagged: Writing ?? Compensation: volunteer


Website: s.olid.us
Contact e-mail: apply@s.olid.us
Type of job opening: Blogger/Reviewer
Compensation details: N/A ? Freelance, Volunteer Position
Alexa.com Global Rank: www.alexa.com/siteinfo/olid.us#
7K+ Unique Monthly Viewers
Twitter: @SolidusGaming

Greetings!

Solidus is looking for a few more writers for our new video game website. This includes writing video game reviews, news, walk-thrus & things alike. There is NO PAY for this position. It is entirely voluntary and if you are good, and keep at it, you could break into the video game life and attend events such as Comic-Con, E3, PAX, BlizzCon and other conventions like them.

So far we have been invited to attend Philedelphia?s Comic Con and EuroGamer.

Update: WE DON?T HAVE ANY FEMALE WRITERS YET!

Requirements:
Vast knowledge of gaming. From MMOs to Single player text based adventures.
Knowledge of the internet, and its means of getting information.
Experience with web based blogs and news websites. We use WordPress as a CMS. You should know your way around it.
English as your primary language. (Other languages are a plus, but English is key)
GREAT communication skills.
and more to be discussed?

If you feel that you meet these requirements, and/or exceed them and would like to give it a shot, please send an email with either links to your work, or submit a writing sample of a game review or something like it. I look forward to hearing from you soon.

APPLY TO SOLIDUS

?

Source: http://gamejournalismjobs.com/07/solidus-gaming-looking-for-more-writersreviewers/

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Free Pets to Good Home ? Blog Archive ? Young Dogs, Particularly ...

The following demonstrates your puppy that you?ll be boss on the wrap up so it helps create your own united states. Your dog requirements time to acclimate for you to his new setting. You?ll want to be affected individual , consistent , as well as prolonged variety the beginning using your puppy Singapore tuition assignments. The key is to be constant whenever teaching them the place it isn?t really suitable for the pup to cure herself as well as reliable while in the sales message you send in respect of where you count on him or her to look. Animals lose interest rapidly and so are more unlikely that to answer if it is never involved in your work. This ought to be disappointed immediately right after your pet dog comes home.

One of the keys to exercising the crooks to take action appropriately, is definitely steadiness. Biting is one area that each one puppies do as soon as teething, so you ought to make sure they know just what exactly they can and can?t munch. Learning your pet views the modern world will help you make better coaching options with regard to them.

This can maintain the doggy nicely behaved well and let the pup to be a happy relation. Until eventually your puppy will be properly trained, education must be continuous. Pups have a tendency to go as an easy way with conversing, this need to be curbed. You need the dog to realize any time you provide them a command also it may the work that it is undertaking what you need that to accomplish.

For example if you?re toilet training plus your puppy makes use of the material, reward her that has a treat anytime to strengthen in which conduct. Occasionally actual physical and occasionally emotional illnesses could potentially cause your pet to not react correctly so that you can coaching. You can easily be sure you reward your pet throughout a training session, but it?s equally as imperative that you encourage your pet dog for the people experienced behaviours the rest of the time frame, way too.

By providing your get just once and anticipating your new puppy to react, you?ll educate your ex you are expectant of the behaviour. This is not vital and will be available temporary incentives. After having a routine help someone quit smoking may even guide your pet learn how to ?hold it? till their future potty break.

Never compel your dog in order to go through the rest of the following pain when compared with is perfectly required. In the event the control is not obeyed in the beginning, demonstrate your furry friend that which you count on previous to announcing the actual get again. When dog training that has a leash, be sure that you will be holding this collar snug, but a little bit loosened. Far more compared to thoughts, and the choice of act instructs your pet dog a whole lot in what you want.

your pet dog with out workout is an excellent relax canine, as well as it hard to practice a pet dog within the thrilled state. Should your pet is not learning effectively, no mean they?re dumb. Acquiring a pet?s respect by way of anxiety is actually a slip-up within the searcher?s component.

Your canine should begin to see the ecosystem many people have a home in as your property sort by. But if your doggy is a laid back pet dog exactly who wants to hang around throughout the day, you dont want to supply him with our prime aminoacids foodstuff 14 who seem to herds sheep would obtain.

Source: http://siscer.net/articles/general/young-dogs-particularly-might-be-fairly-scared-of-your-dog-crate-when-it-is-very-first-launched-3/

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Natural health - HEALTH, BEAUTY & FITNESS

natural healthThere? s security in knowing that you could bring people of washington ones own for fast health care anytime they require it since you have bought affordable family medical health insurance. Lifetime limit: The most your insurance provider pays in benefits. But because the time gets natural near for Congress to cast votes around the pending legislation, Obama is having a means of trying in most directions to try and achieve as numerous people as you possibly can. In the beginning, D. D. When World Health Organization [ WHO] was established in 1948 it defined health as: ? a condition of complete physical, mental and social well- being and never basically the lack of disease or infirmity.? In 1986, the WHO mentioned within the Ottawa Charter for Health Promotions that health is: ? an origin every day existence, not the goal of living. Health plan insurance and Human Services assumes teen pregnancy The U. S. Bigger turnips may have a more woodsy texture. Although we become increasingly more thinking about sports, our children? s health don? t enhanced. It is the UNvitamin. Give consideration towards natural health the material of furniture and furniture and adornments. Additionally, it supplies a grounds for advancing to postgraduate study. Look into the position of numerous independent research firms. The share of the market is definitely an indicator for the future and current success of the company. Medical Health Insurance for Newborns The birth of the new child may be one of probably the most wondrous encounters of the existence. Balsamic can help to eliminate cholesterol washington health plan level. To improve awareness of signs and symptoms and signs and symptoms of disease. Our physiques health are perfect biological machines that need natural meals and also the number of vitamins, minerals or nutrition that are offered in tangible or whole food. States spent 2. 47 trillion dollars on healthcare in ? 09, more than the whole GDP of The Uk. Sardines fact: There? s really no such seafood as sardine. All this is completed in an attempt to actually possess the best care wherever you decide to go. Now, I wish to be absolutely honest, I? m no Twiggy, but I? m a a lot more normal size now. People struggling with gastric or bloating need and consume diatomaceous earth of food- grade quality. Simply a couple of demanding situations each day may have a massive inpact on our overall health.. Within the the coming year, the health care plan is going to be under review to ascertain if it solves most problems or simply encourages several brand new ones. 3) Gather any samples that prove the breach. Pregnancy and dental health are inextricably tied in by doing this gums and teeth enables dental bacteria to go to the fetus via bloodstream, potentially leading to premature births and low- weight births. It? s possible to only correlate that latest news of film industry will keep one physically and psychologically fit. You can find many articles on health. health However, should you decrease your natural health deductible to ensure that you? ve got no appointment co- pay, or perhaps a really small one, you might finish track of a significantly greater quote.

Related Post Natural health

Should you new choose so, chance is heavy that you? ll finish up taking an unacceptable pick. The standard of medical health insurance plans He? ll look at your appeal and advocate for you personally whether it seems you had been unfairly treated because of your insurance museum Some doctors works with in patients that don? t have medical health insurance, particularly any they have offered for any lengthy time period. Don? health So, the initial key to take towards better fitness would be to maintain healthy eating routine. When purchasing the insurance you have to I? ve sought out controlled studies on whether apple cider vinegar treatment aids in skin services disorders for example sunburn and enhancing the look

Source: http://curryrecipe-jp.net/health-2/natural-health/

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Candidates look overseas for campaign cash (The Arizona Republic)

Share With Friends: Share on FacebookTweet ThisPost to Google-BuzzSend on GmailPost to Linked-InSubscribe to This Feed | Rss To Twitter | Politics - Top Stories News, RSS and RSS Feed via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/238506534?client_source=feed&format=rss

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Golf Organisations

Golf is one of the most widely popular sports in the world. It can be played by men and women as well as the old or young. Because of its large popularity there are many golf organizations.

These organizations help to set standards, make rules, hold tournaments and provide information to further the game of golf. Golf organizations are primarily divided between amateur and professional. There are many local branches of organizations that provide information and sponsor local and regional golf tournaments. There are golf organizations throughout the world.

When determining the applicable rules of golf you can turn to your local golf organization for information. When looking for golf equipment you can look for items that have been sanctioned by these golf organizations. You can be sure that this equipment is high quality and meets the standards put forth by the organization. The organizations also sponsor youth events and scholarships for interested and talented young adults.

Amateur Organizations

USGA:
The United States Golf Association is one of the main amateur golf organizations in the world. It sanctions the US Open, one of the most prestigious tournaments in the country. The USGA offers educational information on the game of golf and provides rules and handicap status to players.

RCGA:
The Royal Canadian Golf Association governs men's amateur golf in Canada including the rules of golf as well as the amateur and junior championships. Among these tournaments are the Canadian Open, the Canada Senior Open and the Canadian Women's Open.

ELGA:
The English Ladies' Golf Association is the governing body for women's amateur golf in England. It helps to further the game of golf for women in England by providing educational information as well as sponsoring tournaments. An offshoot of the LGA, other groups are located in Wales, Scotland and Ireland.

Professional Organizations

PGA:
The Professional Golf Association is recognized as the premier professional association of the world. It has representation in most large countries including the United States, Britain and Canada. It is responsible for maintaining the rules of golf and for sanctioning professional tournaments including the PGA championship and the Masters.

LPGA:
The Ladies Professional Golf Association is the professional association for women players around the world. It maintains leader boards and point standings for professional women golfers. It also updates golf rules as they apply to women.

Tournaments

Masters:
This tournament is an annual event held each year since 1934 in the United States. This is an invitation only tournament and features only the best players of the year. This is a weeklong event culminating in the top golfers competing on the final weekend.

US Open:
A major United States men's tournament, this annual US event is held each year at a different course. The event is known by its very difficult course configurations. British Open - This is the world's oldest men's golf championship. It is held each year and features top players from around the world. A prestigious event, the tournament is difficult and play is among the best players.

About the Author:
Hi, this is Alex (i am an amateur golf player). My site is http://golfclubreviewtips.com/guidetogolf As a golf lover, i understand that you would like to have guide to golf and learn to play golf as soon as possible (i had the same feeling as you). It is so good to see other golf players who manage to hit to ball to more than 200 yards.

Source: http://www.articlesnatch.com/Article/Golf-Organisations/4069095

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Sunday, July 22, 2012

Movie massacre: Shock, sadness, a search for clues

AURORA, Colo. (AP) ? Investigators looking for clues to the motive behind a deadly shooting rampage inside a movie theater sought once again Saturday to enter the suspect's elaborately booby trapped apartment, warning it may mean removing trip wires that could detonate the explosives, as the Denver suburb grieved for the dozens of victims.

The FBI and Homeland Security Department said there was no information indicating more shooting sprees were planned at movie theaters around the country, according to an intelligence bulletin obtained by The Associated Press.

Twelve people were killed and 58 were injured in the attack early Friday at the packed Aurora theater outside Denver. A few of those suffered injuries not by gunfire but in the chaos that ensued as the audience tried to flee the smoke-filled theater in a panicked dash for the doors, authorities said. Among the wounded, 11 were listed in critical condition.

After the shooting, police arrested James Holmes, 24, and determined his nearby apartment had been booby trapped, then ordered residents in the building and surrounding homes to evacuate.

Scores of law enforcement officials, including local bomb squad technicians and dozens of federal Bureau of Alcohol, Tobacco, Firearms and Explosives agents gathered again at the apartment Saturday and planned to enter.

"It's safe right now with the evacuations so we don't want to rush anything," said Aurora police Sgt. Cassidee Carlson.

The apartment contains trip wires and jars that may contain accelerants, she said, noting authorities may be forced to detonate the explosives, which could cause a loud boom and a fire.

Police grimly went door to door late Friday with a list of victims killed in the worst mass shooting in the U.S. in recent years, notifying families who had held out hope that their loved ones had been spared.

The deceased victims included 23-year-old Micayla Medek, said Anita Busch, the cousin of Medek's father. The family took the news hard, but knowing her fate after waiting without word brought them some peace, Busch said.

"I hope this evil act, that this evil man doesn't shake people's faith in God," she said.

Besides Medek, relatives confirmed that Alex Sullivan and Jessica Ghawi were among those killed, Sullivan on his 27th birthday.

It remained unclear Saturday what drove the suspect to fire round after round at the unsuspecting audience watching "The Dark Knight Rises." Aurora Police Chief Dan Oates said Holmes used a military-style semi-automatic rifle, a shotgun and a pistol that he had bought at local gun stores within the last two months. He also recently purchased 6,000 rounds of ammunition over the Internet, the chief said.

The suspect's stellar academic record, apparent shy demeanor and lack of a criminal background made the attack even more difficult to fathom.

It also wasn't known why the suspect chose a movie theater to stage the assault, or whether he intended some twisted, symbolic link to the film's violent scenes.

The new Batman movie, the last in the trilogy starring Christian Bale, opened worldwide Friday with midnight showings in the U.S. The plot has the villain Bane facing Bale's Caped Crusader with a nuclear weapon that could destroy all of fictional Gotham.

In New York City, Police Commissioner Raymond Kelly said: "It clearly looks like a deranged individual. He has his hair painted red. He said he was the Joker, obviously the enemy of Batman."

Oates would not confirm that information, but did say he spoke to Kelly. The two used to work together in New York. Asked whether Holmes had makeup to look like the Joker, Oates said: "That to my knowledge is not true."

Near the entrance to the theater's parking lot, a makeshift memorial of 12 candles sat in a row alongside piles of flowers. Up the hill, about 20 pastors led a vigil for about 350 people, some hugging and crying. A sign read, "7/20. Gone Not Forgotten."

An emotional Gov. John Hickenlooper said earlier Friday that people would not be defined by the tragedy.

"We are clear that we are going to rise back and lift ourselves above this," he said.

A federal law enforcement official said Holmes bought a ticket to "The Dark Knight Rises," went into the theater as part of the crowd and propped open an exit door as the movie was playing. The suspect then donned protective ballistic gear and opened fire, the official said, speaking on condition of anonymity because he was not authorized to discuss the investigation.

Authorities said Holmes shot scores of people, picking off victims who tried to flee. At least one person was struck in an adjacent theater by gunfire that went through the wall. Adding to the terror and chaos were two gas canisters thrown by the suspect that filled the theater with smoke.

Tanner Coon, a 17-year-old Aurora resident who was watching the film with two friends, said he first thought the gunshots were firecrackers. When he realized what was happening, he ducked between seats and waited for the shooter to bark demands.

"When is he going to start telling us what to do? When is this going to become a hostage situation?" Coon said.

When the firing ended, Coon said he started running up the row but slipped in blood and fell on a woman who was lying on the ground. He tried shaking her, he said, but she didn't respond, so he left her behind and ran from the theater.

Within minutes, frantic 911 calls brought some 200 police officers, ambulances and emergency crews. Holmes was captured in the parking lot.

Kaitlyn Fonzi, a graduate student at University Hospital who lives in the apartment below, said she heard loud music coming from the suspect's unit just after midnight. She went upstairs and put her hand on the door handle. She felt it was unlocked, but she didn't know if he was there and decided not to confront him.

Fonzi called police, who told her they were busy with a shooting and did not have time to respond to a noise disturbance. She said she was shaken to later learn the apartment was booby trapped.

"I'm concerned if I had opened the door, I would have set it off," she said.

The shooting was the worst in the U.S. since the Nov. 5, 2009, attack at Fort Hood, Texas. An Army psychiatrist was charged with killing 13 soldiers and civilians and wounding more than two dozen others. It was the deadliest in Colorado since the 1999 attack at Columbine High School, where two students killed 12 classmates and a teacher and wounded 26 others before killing themselves.

Holmes had enrolled last year in a neuroscience Ph.D. program at the University of Colorado-Denver, though he left last month for unknown reasons. In academic achievement, "he was at the top of the top," recalled Timothy P. White, chancellor at the University of California, Riverside, where Holmes earned his undergraduate degree before attending the Denver school.

Those who knew Holmes described him as a shy, intelligent person raised in California by parents who were active in their well-to-do suburban San Diego neighborhood. Holmes played soccer at Westview High School and ran cross-country before going to college.

Police released a statement from his family Friday that said, "Our hearts go out to those who were involved in this tragedy and to the families and friends of those involved."

___

Associated Press contributors to this report include Kristen Wyatt, Steven K. Paulson, Ivan Moreno and Mead Gruver in Aurora; Dan Elliott, Gillian Flaccus, Nick Riccardi and Colleen Slevin in Denver; Tom Hays in New York; Monika Mathur and Jennifer Farrar at News Research Center; and Alicia A. Caldwell and Eileen Sullivan in Washington.

Source: http://news.yahoo.com/movie-massacre-shock-sadness-search-clues-080401922.html

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Saturday, July 21, 2012

Avaya Video Communications And Workgroups

Have you been having problems with communicating with your employees? Have you been looking for a good video conference solution? There can be a lot of video communication solutions out there, but you will have to choose one that would suit your needs perfectly. Avaya video communicationsworks well for both big and small businesses. With so many companies in the business communications solutions industry, it is important that you do your research so you can pick the right provider for your business. You may read reviews posted online to know which companies are recommended when it comes to video conferencing solutions.

Source: http://www.codiarch.org/education-news/avaya-video-communications-and-workgroups/

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Good Services of an Umbrella Company in UK | accounting articles

Some of the UK?s Umbrella companies do not provide good services and you need to know how to get good services in the UK.

A Contractor Umbrella Company.

You become an employee of the Umbrella Company and are salaried plus a bonus depending on your earnings after allowing for expenses. It is vital that you are entirely happy with the service you are approving so do not be scared to ask questions. If the offer is legitimate then the company will be happy to answer your queries.

It is possible to find a company who will give you a personal account manager so that you can be confident that your money is being dealt with in a responsible manner by someone you have built a relationship with. If you have chosen a forward thinking Umbrella Company they will have calculated your tax payments for the whole financial year which means you will be spared a big tax bill at the end of the year, even if your earnings have fluctuated throughout.

Some Umbrella Companies will include Free Public Liability Insurance, Employers Liability Insurance and Professional Liability Insurance which saves you these additional expenses.

If you need to apply for a loan or mortgage, make sure your Umbrella Company will write reference letters on your behalf without charging you for them. The Contractor Umbrella Company will provide good services for your company.

Contractor Expenses

An independent contractor is anybody who works outside of the payroll of the company; though, he would have been enlisted as an outside assistant or manager for the necessities of the company. The company would pay him under the category of self-employed or an independent circumstances contract which the person has with the firm. According to their type of contract, the person would need to work for the company and the organization on either a single project or multiple projects.

For this, the company would bear any incidental and actual expenses incurred towards the project and also provide honorarium to the person as per decided upon terms. These particulars will be the commonly seen aspects of an independent terms contract.

Still, the contractor should follow every circumstance and system decided in the agreement and only by doing so, the person can achieve delivery of all the agreed upon payment in full. This being the case, the company would have to request an expense report from such external workers, in order to provide the necessary funds to them, after carefully scrutinizing the report for fraudulent and unnecessary expenses. The company will also require an expansive report in order to ensure that their calculations and the actual submitted report from the company do not disagree in any way. These measures will benefit both the contractor and the company in many ways.

Companies will need the report from the contractor to release the funds he requires for the contractor expenses incurred during each section of the project. The report will help the company in searching for needless expenses, fake records, etc. from the contractors and thus prevent a decrease of funds extra efficiently.

About the Author

For more information click link: Contractor Expenses,Contractor Umbrella Company.

Source: http://www.nediex.com/2012/07/Good-Services-of-an-Umbrella-Company-in-UK/

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Friday, July 20, 2012

Russia envoy: Assad ready to quit power in "orderly way"

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Source: http://news.yahoo.com/russia-envoy-says-assad-prepared-leave-power-orderly-090253080.html

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Do You Know Anything About Commercial Real Estate? Learn ...

Dealing with the commercial real estate business can be overwhelming and stressful for beginners as well as those who have already been through it before. This article will give you some great advice to make your commercial property dealings proceed more smoothly.

Create an informative commercial real estate blog, or network with industry professionals on sites like Twitter or Facebook. After completion of a transaction, you should work to cultivate an online presence.

If you are new to investing, focus on one investment type at a time. Pick out just one type of property to begin with and then give it all you?ve got. By concentrating solely on one type of investment, you can do your best instead of just being average.

Think big when you think about commercial real estate investments. If you are considering buying a five-unit building, remember that managing 50 units is just as easy as handling five. A five-unit building requires commercial financing just as the larger buildings do, and buying a larger building with more units costs less per unit.

TIP! Location is a very important part of commercial real estate. Take the neighborhood of the property into consideration.

Try to get a lender who can make commercial property offers. Get recommendations from friends and fellow investors before choosing a local lender. Do your research and pick the lender who will work best for you, before you even start to look for a property to purchase. If you are willing to devote the time to covering all of your bases, you can improve your chances of qualifying for a loan.

If you?d like to rent out the properties you purchase, it?s best to buy a simple building with solid construction. These spaces are more likely to fill quickly with paying tenants who are drawn towards something that is well maintained. Buildings like these are also easier to maintain, for both owners and tenants, since repairs are going to be required less frequently.

Aim to avoid default before you sign a real estate lease. If you are able to successfully do this, you?ll find that your probability of having the tenant within the building defaulting will be low. This is in your best interest.

Before you sign a lease, find out about pest control. If the area that you are renting in is known for pest infestations, it is especially important for you to talk to your rental agency about their policies for pest control.

TIP! There are several differences between commercial and residential loans. For example, commercial loans require a larger percentage in down payment.

Thoroughly tour every potential property. It?s a good idea to hire a building contractor to come with you and do on-the-spot inspections of properties you are considering. After touring, feel free to begin negotiations or even make your preliminary proposal. Give a bit of thought to the counteroffers before deciding to accept the offer, make a counteroffer yourself or walk away.

Be mindful of the fact that all pieces of property have specific lifetimes. Every property is eventually going to need maintenance and repairs, and you need to consider what potential properties are going to cost you over the duration of your use. For example, the property may require an entirely new electrical system, a new roof or a new central heating unit. Pretty much every building will experience this at some point, and some will need more work than others. It is important to formulate a long-term approach for managing these types of repairs.

Searching for commercial properties can be stressful for experts developers and beginners alike. The advice in this article should help make the process of buying commercial property proceed more

Become someone on the internet before you enter the market. Creating a LinkedIn profile is one good way to accomplish this; another approach would be to develop your own professional website. Try using SEO to help yourself place higher in the search results. Eventually, you want people to be able to find your site by putting in keywords related to your business, or even your name.

TIP! If you are trying to choose between two desirable commercial purchases, the larger one may be the better choice. The difficulty in securing financing doesn?t increase linearly with the size of the building you are buying.

Source: http://tictracker.com/do-you-know-anything-about-commercial-real-estate-learn-about-it-here/

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Microsoft Windows 7 Home Premium With Service Pack 1 32-bit - License and Media - 1 PC

Microsoft Windows 7 Home Premium Operating System Software - DVD
With Microsoft Windows 7 Home Premium Operating System Software, you'll get the best entertainment experience on your PC! Windows 7 Home Premium makes it easy to create a home network and share all of your favorite photos, videos, and music. You can even watch, pause, and rewind TV or record it to watch whenever and wherever you want.* For the best entertainment experience on your PC, choose Windows 7 Home Premium.

Easy To Use

  • Getting things done is easier. With the new Taskbar and navigation features like Snap, it's easier to compare to windows side by side, and JumpLists put files you use often just two clicks away.
  • Home Group makes it easy to create a home network and connect your PCs running Windows 7 to a printer.

Faster To Use

  • Find virtually anything on your PC - from documents to songs to email - just by typing a word or two with Windows Search

* Additional hardware may be required.

Windows 7 System Requirements

  • 1GHz or faster 32-bit (x86) or 64-bit (x64) processor.
  • 1GB RAM (32-bit) or 2GB RAM (64-bit)
  • DirectX 9 graphics device with WDDM 1.0 or higher driver.

Windows 7 Upgrade Advisor can help you determine which features and editions of Windows 7 will run on your computer. Visit http://windows.microsoft.com/upgradeadvisor when available.

Source: http://www.nextdaypc.com/main/products/details.aspx?PID=A776887&rsmainid=ND0263974

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Thursday, July 19, 2012

Motif Investing Review ? Create Your Own Custom ETF (+$50 ...

Ready for a start-up online brokerage site with a twist? It?s called Motif Investing. As a motif is a ?dominant theme or central idea?, here you can invest in a group of up to 30 individual stocks that fit into a theme like ?Housing Recovery? or ?Lots of Likes? (companies that have the most Likes on Facebook). You can buy the entire basket of stocks with just one $9.95 commission, with no ongoing management fees. The minimum motif investment amount is $250.

My initial impression was that it felt a bit too trendy and gimmicky to recommend as a long-term investment. Indeed, I don?t really care how many Facebook Likes a company has, and I doubt I would buy stocks based on my love of pets or my political views. It?s just not my style.

But if you take a step back, since they let you customize the basket, anyone could essentially make their own ETF/mutual fund with zero expense ratio. You?re can?t track a broad index like the S&P 500 this way, but if you do have a basket of stocks that you buy regularly, this would be a cost-efficient way or doing it. You can also set the relative weighting of each of the stocks in the motif.

Personally, I might try creating a basket of dividends stocks that hopefully will provide a long-term stream of growing income. For example, take the SPDR S&P Dividend ETF (SDY) that holds 60 highest-yielding stocks of the S&P 1500 that have raised their dividends every year for the past 25 years. It?s a nice idea, but it leaves out some good companies and the 0.35% expense ratio eats up 10% of the original yield of the underlying companies. Why not hold them directly and keep the 0.35% as extra return for yourself? Right now, as it seems like you have to customize an existing motif, I think the ?Dogs of the Dow? or ?Bullet-Proof Balance Sheets? motifs are the closest.

In many ways, this is similar to the unlimited plan at Folio Investing, but Motif Investing has the potential to be a lot cheaper ($10 per motif trade with no minimum trade requirement vs. $29 every month for Folio) and is closer to a ETF in that they do real-time market trades. Motif also uses dollar-based trades, using fractional shares to keep everything organized. You can still do regular real-time trades of individual stocks for $4.95 per trade. No maintenance fees, no inactivity fees. Currently there is no automatic dividend reinvestment, you have to reinvest the cash yourself.

Right now, Motif Investing is offering a $50 cash bonus when you open a new brokerage account with $1,000+. The terms and conditions are quoted below. You can get the $50 by funding with $1,000, no trades required, the funds must arrive by 9/5/12 and stay there for 50 calendar days. If you think about it, a guaranteed 5% ROI in 50 days is pretty good all on its own. They even allow you to get more than one bonus per household if you use different registrations (i.e. one individual, one joint with spouse).

*The $50 cash offer applies to new Motif Investing brokerage accounts opened between 7/16/12 and 8/31/12 and funded with at least $1,000. Each customer may receive only one $50 cash offer for NEW accounts of the same type opened under that customer?s name. A customer may qualify for additional $50 cash offers by opening other new accounts with a completely different registration, such as a joint account with a spouse. This offer is not valid for retirement accounts, such as IRAs, and cannot be combined with any other offers from Motif Investing. The new funds must be posted to the account by 9/7/12, and must remain in the account for 50 calendar days. The $50 cash offer will be credited to the account within 60 calendar days of receipt of the required minimum funding. This offer is not applicable to employees of Motif Investing and their respective family members. Motif Investing reserves the right to terminate this offer at any time.

Find more in Deals & Offers, Investing | 7/18/12, 9:25pm | Trackback

Source: http://www.mymoneyblog.com/motif-investing-review.html

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TSX extends rally on resource stocks

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Source: http://news.yahoo.com/tsx-may-open-higher-buoyed-upbeat-earnings-124259226--sector.html

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Wednesday, July 18, 2012

Kindergarten Readiness Rocks! 1 to 1 Correspondence | 1 2 3 ...

Rocks may not seem like an educational material for early learning but just a few stones are needed for some kindergarten readiness math fun.

As children sort out that numbers mean ?how many?, they begin to count. Have you ever noticed that as they?learn, they count somethings more than once, sometimes over and over? In order for children to count, they need to figure out that one number goes with one thing.? This is called one-to-one correspondence and is a basic math concept. Being able to match one item to one number is a key to understanding how the number system works. Children may be able to say numbers in order but may not necessarily figure out that each time they count that means one more. Kids need to understand this 1-to-1 relationship first so they can link one number and one object.
rock-five
For kids to grasp this idea they need to have lots?of play experiences with one to one matching. Since the rocks were out, it was easy to ask Lee to make a rock family just like her family. She needed a rock for?mommy, daddy, herself and baby sister in the shoebox lid house. But there were five ?another one for the cat! Math is about numbers but it is also about relationships. Using one rock to be each person in the family was creating a relationship, too. (Rock families will all be different.)

rock-oneThere are other ways to play with 1 to 1 matching. How many toes are on a foot? One rock for each toe, or one rock for each house; in this case it was one rock. As your child is able, you can make some easy or harder suggestions. One rock for?each wheel?on the car, one rock for each chair in the kitchen, one rock for each nose,?etc.?What happens when it?s one rock for each eye? Kids will think of their own ideas for matching (and mathing). Are there some rocks that your child can use for kindergarten readiness fun and learning?

Source: http://123kindergarten.com/math-activities/1-to-1-rock/?utm_source=rss&utm_medium=rss&utm_campaign=1-to-1-rock

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Technology Writer: Best Ways to Utilize Old Computers

Living in a world where technology has transformed our lives and made us more advanced, it is inevitable to live without a computer or laptop. Whether it is for communicating with friends, having a chat with your relative staying far off or for business purposes, computers are widely used these days by one and all.?

Owning a personal computer these days has become common with even kids having one at home. With the rapidly advancing technology, computers will not only become more invasive, they will also come to be less recognized in the near future.

Imagine a time when your computer slows down or partially stops functioning. What could you probably do? Hire a mechanic, dispose off your old computer and purchase a new one or visit computer sales and service Watsonia to get your computer repaired. Well, getting your old computer repaired is not a bad idea, but utilizing it effectively is the best way to save money. Here are a few tips to help you utilize old computers effectively.
  • Try repairing the computer on your own by upgrading its hardware to boost speed. At times you may be unable to improve the hardware version in certain computers, at such a time try upgrading the hard drive and RAM. RAM can improve the performance of old computers significantly.
  • If you find parts of the computer hardware broken, you can recover the parts. If the hard drive is functioning, you can utilize it as a portable hard drive for your new computer.
  • Another best way to utilize old computers is by dismantling it and advertising its working parts for sale on various sites. You will earn money selling computer parts like hard drive, RAM, audio cards and memory chips.
  • Bring a smile on someone?s face by donating the old computer to friends or someone in your family, who will use it for simple tasks.
  • Certain programs you use the most require optimization in order to boost the speed of your old computer. You can speed up programs by minimizing its history size.?
  • It is easier to move cache to a RAM disk once you have an improved version of RAM. Avoid using lots of plugins and extensions, as they slow down computer speed.
  • Installing new operating system is an excellent way to make use of old computers. Installing a new operating system means that you will have to delete items in the disk. It becomes vital to keep a back up of data before installing new operating system in order to avoid loss of data.
Make use of your old computers with these tips and if you still face any problem with your computer or laptops you can always rely on Computer Sales and Service Eltham.

Author?s Bio :?Annie writes about finance, technology, marketing, events and home d?cor. She is fond of sharing her knowledge by posting articles that related to all concerning topics.

imagesource:http://images02.olx.in/ui/19/63/11/1327642496_307856211_1-Old-New-Computer-SALE-Near-Ranaghat-Ralway-Station.jpg,http://www.dansdata.com/images/blog/acard400.jpg,https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEji1eE8aY8ph0PuG-IvZ-z3K-pSiDA_SHGvDvy2s7b5M-AJe5UR-XOHAvqlIL57XR-xMhoCd_BfM3_VwZ3A-U1g4U-VU1ES7D3hrdpsbWO_wpLIKhVtXWx-h6ripc1C8g98vcYuM2Red9Z6/s1600/76676-sistema_operativo_software_basico_que_controla_un_ordenador.jpg

Source: http://www.technowriter.net/2012/07/best-ways-to-utilize-old-computers.html

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Ministry of land and Resources said hit store real estate regulation ...

Reporters from the national director of office of land natural resources forum was informed that: the current,LandOn the market supply to meet the reasonable demand for housing.The Ministry of land and resourcesMinisterXu ShaoshiSaid, will continue to adhere to the real estate regulation does not shake.Xu Shaoshi said, the second half of the year, must do well not to move or retreat to the real estate regulation, increase the ordinary commercial housing land supply, insist to enrol pat hang a system, pay attention to the abnormal trading, to prevent the abnormal transactions, do not let its disturbances throughout the land market. At the same time combat store, will the real estate market regulation of the task to fall to real point.The monitoring results show that, during the first half of this year, illegal land area dropped 31.1% compared to the same period, the field of mineral resources illegal cases on file for investigation and prosecution of the same period last year. The first half of the year, in the national selection 54 prefecture-level city, preliminary found to violate the problem that violate discipline in 15800 cases, the provincial land carry out audit supervision, discovered illegal project 1155. In Shaanxi, Linyi, Hainan, Chongqing, Yunnan, Shanxi and other places, illegal construction of golf courses and other illegal implementation of special projects.It is understood, the first half of this year, the national mineral resource exploration revealed multiple large deposits of energy exploration results, which is particularly notable, add coal resources reserves of more than 600 tons, equivalent to 2011 our country coal total output 17 times. In addition, the first half of the new iron ore reserves reached 18 tons, bauxite, more than 20000000 tons, is China?s economic and social sustainable development provides the powerful energy and resources security. (reporter Yu Meng)

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Source: http://www.zloan.info/32460.html

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Tuesday, July 17, 2012

Doctors go underground to treat protesters in Bahrain

Most demonstrators hurt in clashes with police refuse to go to hospitals, no matter how grave their wounds, fearing they will be arrested there.

By Phillip Walter Wellman,?Contributor / July 15, 2012

Residents of the village of Karzakan, Bahrain, wave national flags and a banner reading, "we will die for our women's honor," during a demonstration Saturday against a recent police raid in which a woman allegedly was assaulted. Demonstrators often refuse to go to the hospital in Bahrain, forcing doctors to treat them on the side.

Hasan Jamali/AP

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It is Friday night and Dr. Mohamed is on standby.

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?It?s always the busiest day of the week for us,? he says as he holds out his cell phone to show a photo he received seconds earlier. The image is of a young man with birdshot embedded in his leg. It is a call for help.

?The government has been using a lot of birdshot on demonstrators lately,? he explains, ?and the wounded come to us for treatment.?

Dr. Mohamed, who asked to have his full name withheld, is part of an underground network of medics in Bahrain who provide illegal care for anti-government protesters injured in nightly clashes with security forces. Most of those hurt refuse to go to either public or private hospitals, no matter how grave their wounds, fearing they will be arrested there.

?We still have very severe cases,? the doctor says, ?I?ve seen amputations in the previous month of limbs and they?re not going to the hospital.?

The medics say the government is monitoring hospital admissions to track down protesters. It has stationed soldiers at the state-run Salmaniya Medical Complex and, according to activists, sent a letter to private clinics telling them they must report anyone whose injuries appear to be the result of illegal activity, such as unauthorized protesting.?

Unrest in Bahrain has dragged on for nearly a year and a half and the number of victims has grown along with it. Makeshift clinics in living rooms across the country treat patients every day. Doctors have even been teaching members of the community first-aid skills in a bid to keep up with the mounting casualties.

?People are getting hurt all the time,? said a young protester who was hit in the face with birdshot and risks losing sight in his left eye. He wanted to remain anonymous for security reasons.??I didn?t want to go (to hospital) because I was afraid,? he admitted. ?Nobody is safe in this country.?

But the underground medics say homemade emergency rooms can only do so much. According to them, at least four Bahrainis have died because they refused to get adequate treatment at Salmaniya, the only full-service public health facility in the country, and they say if the current situation persists, the death toll will certainly rise.

?This is a really serious issue in Bahrain, which isn?t getting the type of media attention that it deserves,? says Richard Sollom, deputy director of Physicians for Human Rights. The group has been highly critical of what it calls the ?militarization of Bahrain?s public health system?.?

According to human rights groups, soldiers interrogate everyone who enters Salmaniya as part of their efforts to identify injured protesters. Once discovered, the groups claim, protesters are sometimes taken to secret locations and tortured. In the eyes of the opposition, Salmaniya is more a military base than a hospital.

Shiite Muslims make up the majority of opposition supporters in Bahrain. In February 2011, fueled by a belief that they are treated like second-class citizens by the ruling Sunni minority, they took to the streets to demand more rights and political reform. The Pearl Roundabout in Manama became the focal point of the demonstrations, but after authorities cordoned off the site,?the rallies shifted to Salmaniya, where participants demanded the downfall of the regime and prevented some Sunni patients from getting treatment.?A crackdown by security forces ensued, as did growing sectarianism.

Source: http://rss.csmonitor.com/~r/feeds/csm/~3/iirhf6Y1yOo/Doctors-go-underground-to-treat-protesters-in-Bahrain

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