Thursday, May 24, 2012

Primary protest votes show displeasure with Obama

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Wednesday, May 23, 2012

Team Building Activities Brisbane: Increase Efficiency In Your ...

When you are running a team, you need that team to be functioning efficiently for the best results for your corporation. This is why it is a good idea to find team building activities that can be carried out at conferences or just in the work place. Here we are going to talk about the benefits of hiring a professional company to help with this process.

The first thing to realize is that in Melbourne, there are plenty of companies that can help your team to increase their efficiency by helping them with corporate icebreakers. There are countless team building activities that can be done in order to help your team to function more efficiently. The problem is that you have your own job to do, and focusing on these activities may not be your specialty.

When you want to be sure that your team is going to be as efficient as possible, it is important to find the right company to work with you. There are different circumstances that may be causing your team to lack efficiency, but calling a place that specializes in Team Building Activities Brisbane can help you out a lot. What they will do is diagnose your situation to make sure that you get the help you need.

You will see that having the right activities in your repertoire can really help your corporate team to function in better ways. Some people need to be able to have fun with others before they can fully feel present in their company. This means that when you have a team of healthy individuals that can all express themselves, you will be able to get the most out of each person.

Finding the time and materials necessary to improve your team is a critical thing to do. When you find the right Melbourne Company, you will see that you can hire them several times a year or just once to help your team. There are many ways to work with such companies, depending on your specific needs.

When you find the team building activities Brisbane that work best for your corporation, you will see that it can be a great situation. Your team can function as a creative and confident unit, and you can feel fabulous about the work that you do. You just have to find the company that can meet your needs.

Find a great organization to help you with team building activities. These can help your corporate team to work more efficiently by feeling comfortable and having fun!

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What's An Estate Plan And Why Do You Need To Have One Before ...

We are terribly busy in today?s world. We have roles to work, regularly kids to take care of, and when we will we like to relax and enjoy ourselves. It?s seldom that we have got the time or the desire to make plans for the future.

But tomorrow isn't guaranteed. As much as we really don't like to mull it over we might be gone tomorrow.

Where would that leave our families?

It?s truly a painful thing to think about. That's the reason why many of us put it off? Infrequently until it's too late.

Who would pay the mortgage if your deposit account was locked away in probate?

Would your children be in a position to continue their college and future dreams?

Are you even adequately insured?

Even if you do not have a large amount of assets your finances may be tied up for months or years. Your folks may not be able to take care of business.

Unless?

You have made plans for that contingency.

Generally someone does not get incentivized to make an estate plan till they see somebody else suffer. Perhaps a mate dies and they see what happens to the family as that person?s estate has to go through probate. Or perhaps an individual who the deceased never intended gets the majority of the estate. This is extremely commonplace.

Perhaps they have seen estate taxes get the majority of the assets as the monies were not protected with some simple trust or will declaration. This too is very common.

Maybe you have seen it with our own folks. They die without a will and you are stuck cleaning up the mess. Maybe the beneficiaries who received assets weren't the ones they really intended to get them.

And if they died intestate (without a will), the estate had to go thru probate court and a judge made all the calls as to who got what, even though they did not deserve or actually qualify. This frequently happens if a prior spouse was on an old will or still had claim to somebody's assets.

Having a clearly stated will would have avoided all of these Problems. Once there's a will of record the courts cannot make choices. The will becomes the final authority on who gets what and who are the rightful successors of any and all assets. It becomes quite clear in the court?s eyes.

So what are some of the tools you need in your estate plan.

A Will

Having a Will and Last Testament is probably the best and commonest legal vehicle that everybody has at their disposal. You can also create your very own will but I do not recommend it. Unless you are really familiar with your state's estate laws you could be doing as much harm as good.

A Power of Attorney

A Sturdy Power of attorney gives a specific person control of your finances should you become incapacitated or unable to make decisions. Be sure to have someone you trust allotted as your legal representative. Remember, should you die, the Power of Attorney becomes invalid. Your representative will have no power so be sure you have a will to cover what occurs after you die. You can have that representative become your estate executor if you want on your death.

Medical Care Surrogacy or Health Care Proxy

If you're in the surgery and have a terminal illness, you wish to make it clear what should occur if you go on life support. Without a Medical Care Surrogacy even easy medical info may be refused your family unless you have appointed who can get that information. This is awfully frustrating to friends and family if you become very sick. You owe it to them to have this critical legal tactic in effect.

Trusts

For some finance scenarios having a trust in place can protect useful assets and confirm they pass to your selected successors. A trust can avoid those assets from going to into probate court where a judge will make these decisions for you.

Well I'm hoping that has galvanized you to act. Having a solid estate plan makes good business sense and is vital if you would like to protect your loved ones from maddening financial Problems after you die.

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Tuesday, May 22, 2012

US assistance makes Yemen an inviting terror target

Officials have said the attack is likely the work of al-Qaida. The terrorist network has grown in Yemen because the country hasn't had an effective government for an entire year. NBC's Richard Engel reports.

By Robert WindremNBC News

A terror attack Monday on a Yemeni military parade that killed scores occurred amid increasing cooperation between the Yemen and U.S. governments, with the latter stepping up assistance to the Yemeni military and regularly targeting purported terrorist cells with drone strikes.

The cooperation reflects a growing? belief in U.S. national security circles that al-Qaida in the Arabian Peninsula (AQAP), the Yemeni al-Qaida affiliate, is now a bigger and more dangerous threat than the central al-Qaida group in Pakistan.

The cooperation is not limited to counter-terrorism. The U.S. is openly helping the new Yemeni government in counterinsurgency efforts against an AQAP-affiliated group, Ansar al-Sharia, in the south of the country. ?The assistance includes ?a small contingent? of military trainers and intelligence officers assisting the Yemeni forces.


The presence of the American personnel in Yemen is raising concerns that Washington risks opening another front in the war against al-Qaida before it has fully extricated itself from long, bloody conflicts in Afghanistan and Iraq.

But a senior U.S. counterterrorism official, who spoke with NBC News on condition of anonymity, said the AQAP?s successes in recent months give Washington little choice but to increase support for the new Yemeni government of President Abd-Rabbu Mansour Hadi.

?AQAP?s enhanced footprint in southern Yemen increases the chances that the group will establish a regional safe haven,? said the official.??This would be a dangerous development because AQAP?s anti-government fight and its terrorist plotting against the West are its two main goals.?Unless its gains are reversed, AQAP will have more flexibility to conduct external attacks from a position of strength.?

The Yemeni government position is about survival. Like Tunisia, Libya and Egypt, Yemen is under new management, after former President Ali Abdullah al-Saleh?s replacement by Hadi, his former deputy, in February.

Hadi?s position is precarious. Ansar al-Sharia, an Islamist insurgent group, is trying to further destabilize the water-starved, tribal-riven state, with the ultimate goal of toppling his government.

Related story

'Massacre" as suicide bomber targets military parade rehearsal in Yemen

But Hadi?s ?increasing reliance on U.S. help has likewise caused him some difficulties, triggering protests among middle- and upper middle-class Yemeni youth who are resentful over the U.S. role in the country, particularly the drone strikes and surveillance.

Mohammed Huwais / AFP - Getty Images

Yemeni military police collect evidence at the site of a suicide bomb attack in Sanaa on Monday, which killed nearly 100 members of a Yemeni army battalion

Michael Leiter, former director of the National Counter Terrorism Center and now an NBC News analyst, said the deaths of nearly 100 Yemeni soldiers in Monday?s bombing are likely to bring two countries? counter terrorism efforts closer.

?Hadi's rise has probably brought greater legitimacy to cooperation with the U.S.,? said Leiter. ?? The president (Hadi) and elements of the security and defense establishment cooperate with the U.S. but want to keep that relatively quiet in order to avoid enflaming the domestic population.? .. . And, frankly, with horrific attacks like today, U.S. assistance often becomes more rather than less welcome.?

A Yemeni official, also speaking on condition of anonymity because he is not authorized to speak with the press on security operations, contended that ??broad cooperation? with the U.S. is necessary and marks a ?new level? of friendly relations between the two countries. He said the U.S. role in Yemen is limited in terms of numbers, but significant in helping the government turn back Ansar al-Sharia, which he characterized as ?militants, drug dealers and foreign groups.?

'Intelligence, satellite images and technical advice'
?The U.S. is providing intelligence information, satellite images and technical advice? valuable in both ?counterterrorism and counterinsurgency efforts, said the official. Both the U.S. intelligence community and the Joint Special Operations Command, JSOC, are involved. He emphasized there are ?no boots on the ground? fighting with Yemeni forces.

Neither the U.S. nor Yemeni official would put numbers on the U.S. involvement. Nor would the Yemeni? deny the presence of CIA officers on the ground.

The most high profile product of this cooperation has been the drone attacks on both counterterrorism and counterinsurgency targets. High profile attacks have killed three top AQAP officials in the past eight months, but there also have been an increasing number of attacks on lesser figures and even suspected gatherings of terrorists. The attacks, said the Yemeni official, have taken place ?all over the country.?

In September, apparently helped by material uncovered in Osama bin Laden?s compound in Pakistan, U.S. drones killed two American citizens in Kashef, about 85 miles east of the capital, Sanaa. The dead were Anwar al-Awlaki, an AQAP leader blamed for recruiting other Americans to the group?s violent cause, and Samir Khan, co-editor of ?Inspire,? a magazine whose articles included ?How to Make a Bomb in the Kitchen of Your Mom.?

Then, earlier this month, the director of AQAP?s external operations, Fahd al Quso, was similarly killed by a drone attack in a remote mountain valley -- his whereabouts reportedly exposed by a British-Saudi-U.S. undercover intelligence operation. The penetration of AQAP by an informant ?also resulted in the interception of a new, more sophisticated ?version of the underwear bomb previously used unsuccessfully? to try to down U.S. airliners. (Yemeni intelligence, said the Yemeni official, had ?no role? in that operation and was unaware of it.)

By some estimates, the tempo of the drone strikes against AQAP and Ansar al-Sharia is now even greater than in Pakistan, with the number of attacks in May surpassing even the most intense month of attacks against al-Qaida central in Pakistan. According to the ?Long War Journal? website, which uses local reporting to track Predator strikes, 30 AQAP fighters (and seven civilians) have been killed in five drone strikes in the past 10 days alone. (Both U.S. and Yemeni officials say that such local reports are often inaccurate or exaggerated.)

The larger concern in terms of U.S. involvement may be the counterinsurgency effort. The Los Angeles Times reported? last week that at least 20 U.S. Special Operations troops are using satellite imagery, drone video, eavesdropping systems and other technical means to help pinpoint targets for the Yemeni military offensive that?s currently under way in the south.?

The Yemeni official would only say that targeting is ?very selective? and that ?No Americans are fighting on the side of the Yemenis,? a point on which U.S. officials agree.

While the Yemeni official said the offensive has made great strides recently, there have been setbacks, including the killing of 32 Yemeni soldiers on May 7 when AQAP overran a Yemeni position. That was the deadliest single encounter for government forces in the war with AQAP until Monday?s attack.

The Yemeni official said that the public is supportive of both operations, despite a social media protest by the country?s youth that has drawn some attention.

He claimed that no civilians have been killed in the drone strikes and stated that that care has been taken to strike at times and places where only AQAP and its allies are present.

There?s no doubt that U.S. cooperation -- and the drone strikes?will continue. The U.S. wants to kill Ibrihim Hassan Al-Asiri, the AQAP?s expert bomb-maker, before he trains others in his craft.?

But the mere presence of U.S. military personnel in the country carries risk of a confrontation that could quickly escalate. This weekend, for example, a local Yemeni newspaper reported unidentified gunmen opened fire on a car that belonged to U.S. military trainers as they left the tourist al-Hodeida Land Resort in the western part of the country. None of the Americans were believed to have been injured.

Robert Windrem is a senior investigative producer for NBC News.

More world news from msnbc.com and NBC News:

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David Banner Drops Free Album Featuring Chris Brown, Lil Wayne

Rapper talks to Mixtape Daily about Sex, Drugs & Video Games; LP out now as free download.
By Rob Markman


David Banner
Photo: MTV News

Don't Sleep: Necessary Notables

Album: David Banner's Sex, Drugs & Video Games

Key Cameo: "Amazing" (featuring Chris Brown)

Essential Info: David Banner knows a thing or two about making hit records, and he promises that his latest album, Sex, Drugs & Video Games, will feature some pretty over-the-top music and some pretty notable guests as well. Chris Brown, Lil Wayne and Snoop Dogg will all appear on the LP, which Banner is offering as a free online download.

Sex, Drugs & Video Games, which drops on Tuesday (May 22), is technically a free album, but Banner is accepting donations on his DavidBanner.com website to help artists exist outside of big corporations.

"What I am trying to do is make the two most important parts of the musical equation ... important again: That's the artist and that's the fans," Banner told MTV News back in March of what he dubs the 2M1 Movement. "Corporate entities have made the artists and the fans feel like they're not important, where without them, it all would fall."

Banner's goals are progressive, and a good number of his LP's collaborators operate and are successful within the major-label system. In theory DB's distribution method could be a conflict of interest for some, but because of Banner's relationships with the artists he works with, he doesn't foresee any issues.

"I don't necessarily involve people in my politics. I would tell Chris all the time, Dude, I don't necessarily want you to be connected with the things that I believe in, because I know there is a certain sacrifice with the things that I believe," he said. "Only thing I tell people is the record is hot and it's my album. ... Whether I connect these songs to a movement or not, it doesn't matter because if you strip the movement off of my album, it's jammin'."

"Amazing," Banner's current club banger, features Chris Brown on the hook. Though the Mississippi rapper/producer is sending a message with this album, the song is just about having a good time. "Everybody that's around me, that supports me, they know what I stand for, and then I think vicariously through me they're actually able to express some of things that they may not want to express in their own career," he said.

What's your favorite track off of David Banner's new album? Let us know in the comments.

For other artists featured in Mixtape Daily, check out Mixtape Daily Headlines.

Related Artists

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First Person: Debt Ceiling Debate 2.0 Will Likely Hurt My Finances Further

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Monday, May 21, 2012

Helpful Tips For Choosing Health Insurance Policies | what is crm

If you are a recent college graduate considering purchasing health insurance, you have a variety of options from which to choose. First, you may want to consider staying on your parents health insurance plan if you are still living with them. Recent health reform laws have raised the age of dependents to 26. However, make sure to compare the rates with what it would cost you to obtain your own policy. If you decide to get your own policy, choosing one with a high deductible or one that is short-term is often a cost-effective measure for young adults.

Choosing the right health insurance plan will be a time and money saver in the future. Whether it is an HMO, PPO, POS or any of a variety of coverage types, the cost associated with medical treatment needs to fit within your budget and needs. Look for plans that will encompass care from your family physician, which will make your coverage more practical.

Group insurance is almost always cheaper than personal insurance, so see if any organizations in your area offer it to members and then join the group. There are many groups that offer insurance to people who are self-employed, or alumni of a college, for example. Check around locally and youre bound to find many options to choose from.

A good health insurance tip that can save you a lot money is to contact a medical bill auditor if you think your outrageous medical bill might have errors on it. Its very common for medical bills these days to contain errors. A medical bill auditor can help you get your bill straightened out.

When its open enrollment time at work, dont go on auto pilot. Your health insurance benefits might have changed, or new plans might be offered in addition to the one you have. Be sure to review all of the information youre given, even if you are happy with your current plan. Sometimes a significant cost savings can be yours by simply changing plans.

Read your health insurance policy carefully before you go out and buy glasses or get your teeth fixed. Most healthcare insurers offer dental as a separate policy, and many do not offer vision insurance at all. Better to know up front whether your vision care is covered than to be greeted with a bill from the eye doctor and not be able to pay it.

Many consumers do not realize the importance staying healthy has, when applying for health insurance. Insurance companies obtain information from the Medical Information Bureau, a company which keeps track of all medical records. The MIB, as it is known in the insurance industry, has a record of all doctor visits, prescriptions and hospitalizations. When someone applies for health insurance, their premium is partially based on this medical history report.

If you find a plan that you like and that works well with your budget, get a complete copy of what your plan will look like before you buy it. Make sure to read through the entire thing and look for clauses and exceptions that may deny you possible needed coverage. This can be aggravating in the search for a plan, but is is necessary for making sure you receive a good health insurance plan.

Doing some research on health insurance providers before you sign up for a policy can save time and provide you with knowledge on what to expect as a customer. Look into what current customers think about the coverage and service they provide. Ask about the quality of the doctors who are included in their network.

These tips should help you look for the best health insurance possible. Remember to choose something adapted to your needs and your budget. A health insurance is not a luxury, it is a necessity: do not delay any further and apply for one now that you know everything about health insurances.

For more details visit The following website united healthcare provider relations

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