India army chief warns Pakistan of retaliation

India's army chief on Monday accused Pakistan of planning an attack in which two Indian soldiers were killed in the disputed Kashmir region last week, and warned of possible retaliation.

Gen. Bikram Singh's strong words are a clear message that India believes the Jan. 8 attack was a deliberate provocation and not an unintentional skirmish of the kind that often breaks out along the Line of Control, which forms the de facto border between the two arch-rivals in the Himalayan territory.

Pakistan did not immediately respond to the comments, which are likely to raise tensions further.

The tit-for-tat fighting began Jan. 6 when Pakistan accused Indian troops of raiding an army post and killing a soldier. India denied raiding the post, and said its troops fired across the border in response to Pakistani shelling that destroyed a home on the Indian side.

On Jan. 8, India claimed Pakistani soldiers, taking advantage of heavy fog, crossed the border and killed two Indian soldiers and beheaded one of them.

Pakistan denies India's allegations and has suggested U.N. monitors in the region conduct an inquiry - a call that India rejected, saying it didn't want to internationalize the issue.

"The attack on Jan. 8 was premeditated, a pre-planned activity. Such an operation requires planning, detailed reconnaissance," Singh told reporters. He said India reserved the right to retaliate for the attack at a "time and place of its choice."

Singh urged his troops to be "aggressive and offensive in the face of provocation and fire" from Pakistan. He said the alleged beheading of the Indian soldier was "unacceptable and unpardonable" and accused Pakistan of violating the "ethics of warfare."

Tensions escalated further on Jan. 10 when Pakistan said Indian troops fired across the border and killed another one of its soldiers. The Pakistani army said the shooting was unprovoked, while the Indian military said its troops were responding to fire from across the frontier.

Both countries accused each other of violating a 2003 cease-fire and have summoned their envoys to lodge protests.

Singh spoke hours before Indian and Pakistani military commanders met to defuse tensions along the Line of Control.

The meeting between the local commanders of the two armies in the Poonch region of Indian-controlled Kashmir lasted for about half an hour, said Col. R.K. Palta, an Indian army spokesman.

Brig. Bipin Bakshi, a senior Indian army officer, said India raised the issue of repeated cease-fire violations by Pakistani troops "and conveyed our strong protest regarding the barbaric act of the mutilation of our soldier."

Bakshi said Pakistani army officers refused to acknowledge that their troops initiated any violations of the cease-fire, staged any raids or killed any soldiers.

He said Pakistan accused the Indian army of violating the cease-fire and crossing the military line.

The cease-fire over Kashmir has largely held for about a decade, despite periodic firing across the de facto border that sometimes causes casualties.

The two countries have fought three major wars since Pakistan's birth after British colonial rule of India ended in August 1947. Two of the wars have been over Kashmir, which both countries claim in its entirety. The wars have left about one-third of Kashmir with Pakistan and the rest with India.

Source: http://www.miamiherald.com/2013/01/14/3181615/india-army-chief-warns-pakistan.html

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CES 2013: Digital cameras roundup

CES 2013 Digital cameras roundup

CES is far from a top-tier trade show for the digital imaging industry, but that didn't stop manufacturers from introducing new models. Android returned to Polaroid's booth with the underwhelming iM1836 ILC, Canon opted for a square form factor with its PowerShot N and Fujifilm introduced a more powerful version of the X100. Nearly all of the cameras we saw at the show were created for consumers, with many options coming in under the $200 mark. Nikon and Samsung offered a few exceptions, but with Photokina wrapping up this past September and CP+ kicking off in just over two weeks, there are plenty of other venues for camera makers to introduce their higher-profile models. For now, though, it's all about CES, so join us past the break for a closer look at some of this week's biggest announcements.

Continue reading CES 2013: Digital cameras roundup

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Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/g18T3HfLVew/

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Ahead of failed rescue in Somalia, hostage chained

PARIS (AP) ? France's defense minister says the intelligence agent held hostage for more than three years by Islamic militants in Somalia was chained up, mistreated and constantly moved around by his captors ahead of a failed rescue operation.

Defense Minister Jean-Yves Le Drian said Sunday the decision was made to attempt the rescue because the agent, known by his code-name Denis Allex, was finally in a situation that seemed relatively stable. Planning for the operation began about a month ago, Le Drian said.

The overnight operation Saturday ended in the death of a French soldier and the likely deaths of the hostage and a second service member, Le Drian said. The militant Islamist group al-Shabab denies Allex was killed and claims to have a wounded French soldier in custody as well.

Source: http://news.yahoo.com/ahead-failed-rescue-somalia-hostage-chained-144210061.html

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Gay marriage protest converges on Eiffel Tower

PARIS (AP) ? Holding aloft ancient flags and young children, hundreds of thousands of people converged Sunday on the Eiffel Tower to protest the French president's plan to legalize gay marriage and thus allow same-sex couples to adopt and conceive children.

The opposition to President Francois Hollande's plan has underscored divisions among the secular-but-Catholic French, especially more traditional rural areas versus urban enclaves. But while polls show the majority of French still support legalizing gay marriage, that backing gets more lukewarm when children come into play.

The protest march started at three points across Paris, filling boulevards throughout the city as demonstrators walked six kilometers (3 miles) to the grounds of France's most recognizable monument. Paris police estimated the crowd at 340,000, making it one of the largest demonstrations in Paris since an education protest in 1984.

"This law is going to lead to a change of civilization that we don't want," said Philippe Javaloyes, a literature teacher who bused in with 300 people from Franche Comte in the far east. "We have nothing against different ways of living, but we think that a child must grow up with a mother and a father."

Public opposition spearheaded by religious leaders has chipped away at the popularity of Hollande's plan in recent months. About 52 percent of French favor legalizing gay marriage, according to a survey released Sunday, down from as high as 65 percent in August.

French civil unions, allowed since 1999, are at least as popular among heterosexuals as among gay and lesbian couples. But that law has no provisions for adoption or assisted reproduction, which are at the heart of the latest debate.

Hollande's Socialist Party has sidestepped the debate on assisted reproduction, promising to examine it in March after party members split on including it in the latest proposal. That hasn't assuaged the concerns of many in Sunday's protest, however, who fear it's only a matter of time.

"They're talking about putting into national identity cards Parent 1, Parent 2, Parent 3, Parent 4. Mom, dad and the kids are going to be wiped off the map, and that's going to be bad for any country, any civilization," said Melissa Michel, a Franco-American mother of five who was among a group from the south of France on a train reserved specifically for the protest.

Support for gay marriage ? and especially adoption by same-sex couples ? has been particularly tenuous outside Paris, and people from hundreds of miles from the French capital marched Sunday beneath regional flags with emblems dating back to the Middle Ages, chanting "Daddy, Mommy."

If the French parliament approves the plan, France would become the 12th country in the world to legalize same-sex marriage, and the biggest so far in terms of economic and diplomatic influence.

Harlem Desir, the leader of Hollande's Socialist Party, said the protest would not affect the proposal's progress. The Socialists control Parliament, where the bill is expected to be introduced on Tuesday, with a vote following public debate at the end of January.

"The right to protest is protected in our country, but the Socialists are determined to give the legal right to marry and adopt to all those who love each other," he said. "This is the first time in decades in our country that the right and the extreme right are coming into the streets together to deny new rights to the French."

Source: http://news.yahoo.com/gay-marriage-protest-converges-eiffel-tower-174337326.html

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American Ligety posting best World Cup season

Ted Ligety from the United States celebrates after winning an alpine ski, men's World Cup giant slalom in Adelboden, Switzerland, Saturday, Jan.12, 2013. (AP Photo/Alessandro Trovati)

Ted Ligety from the United States celebrates after winning an alpine ski, men's World Cup giant slalom in Adelboden, Switzerland, Saturday, Jan.12, 2013. (AP Photo/Alessandro Trovati)

Ted Ligety from the United States celebrates on the podium after winning an alpine ski, men's World Cup giant slalom in Adelboden, Switzerland, Saturday, Jan.12, 2013. (AP Photo/Alessandro Trovati)

Ted Ligety from United States competes during the first run of an alpine ski, men's World Cup giant slalom in Adelboden, Switzerland, Saturday, Jan.12, 2013. (AP Photo/Alessandro Trovati)

Austria's Marcel Hirscher makes a mistake at the end of an alpine ski, men's World Cup giant slalom in Adelboden, Switzerland, Saturday, Jan.12, 2013. (AP Photo/Alessandro Trovati)

Austria's Marcel Hirscher makes a mistake at the end of an alpine ski, men's World Cup giant slalom in Adelboden, Switzerland, Saturday, Jan.12, 2013. (AP Photo/Alessandro Trovati)

(AP) ? Ted Ligety is writing himself into World Cup skiing history in what is fast becoming his career-best season.

Victory on Saturday at the Adelboden giant slalom ? one of the oldest and most traditional venues on tour ? had the 28-year-old United States racer reflecting on his career achievements and the company he's keeping in the record books.

First, there was satisfaction in taming the snow-covered, Swiss cow pastures where the winner's list since the inaugural week of World Cup racing in 1967 reads like an Alpine who's who.

"It's the only classic GS I haven't won, so it's nice to get it," said Ligety, whose name is inscribed along with Jean-Claude Killy, Ingemar Stenmark, Alberto Tomba and Hermann Maier.

His 15th career World Cup win, all in his best discipline, also tied him with Tomba for career wins in World Cup giant slaloms.

"He was one of my childhood heroes," Ligety said of the flamboyant Italian great, whose four titles in the season-long GS standings from 1987-95 could be matched by the American this year. "I grew up watching World Cup ski racing and following it. It's cool to be able to have your name part of that history."

Ligety, who grew up in Park City, Utah, notched a fourth World Cup win in a season for the first time. The behind-the-scenes story of his third race win, at the Italian venue Alta Badia last month, is the subject of a TV broadcast Sunday.

Ligety has posted four wins, when he followed his 3-for-3 start to the 2010-11 GS campaign with a gold medal at the last world championships in Garmisch, Germany.

Still, Ligety insisted on Saturday: "It would be hard to argue this isn't my best season in GS."

It certainly will be if he defends his world title next month in Schladming, Austria, the next GS race on the calendar.

Perhaps what marks this season is how Ligety has adapted best to new International Ski Federation regulations that imposed longer skis on GS racers. It was expected to hamper his aggressive, hard-carving style.

"He is skiing at a higher level right now than ever," U.S. Alpine head coach Sasha Rearick told The Associated Press, "in terms of strategically understanding the hills and adapting his skis to different situations."

Ligety's closest rivals are quick to show their respect.

"Ted is for sure the best GS skier in the last few years and he will be in the next ones," said Felix Neureuther of Germany, who placed third on Saturday, a distant 1.24 seconds back from Ligety's combined two-run time of 2 minutes, 28.67 seconds.

Ligety's winning margin of 1.15 over German runner-up Fritz Dopfer was actually small by his standards this season ? and owed plenty to a big mistake by first-run leader Marcel Hirscher of Austria, the overall World Cup standings leader and the only other winner of a GS this season.

A predicted Ligety-Hirscher duel was following the script when they were almost one second faster than everyone else in the morning. Ligety had relied on an acrobatic recovery when he skied wide cresting the steep final slope.

In the afternoon, as bright sunshine disappeared behind the mountains, Ligety skied safely down the darkening course to give Hirscher a tough task.

Ligety celebrated taking the lead with a small punch of his left fist, then watched as Hirscher blew his comfortable lead with a big mistake in sight of the finish.

"I was definitely gifted it by Hirscher today because he would have beaten me by a good margin," Ligety said.

His 100-point win built a lead of 125 over Hirscher in the GS standings with three races left.

Hirscher, who placed 16th, acknowledged taking "too much risk."

"For 99 percent of the race, I was extremely fast," said the defending overall champion, who looked on the bright side. "It's great to see that I can beat Ligety."

Hirscher leads the overall by 26 points, ahead of Aksel Lund Svindal of Norway, who was sixth on Saturday.

Ligety was third overall, 103 behind Hirscher, although the Austrian will be favored to regain ground in the slalom on Sunday.

Though Ligety, the 2006 Olympic champion in combined, has only won giant slaloms in the World Cup circuit, he has all-around ambitions.

"That has always been a goal of mine," he said, citing admiration for two Norwegian greats who in the 1990s earned giant crystal globes given to the overall World Cup winner. "The heroes I had growing up were guys like (Kjetil Andre) Aamodt and (Lasse) Kjus, who could win at every event. So that is something I would definitely like to do."

To show it, Ligety will compete in the two classic downhills in the next two weekends at nearby Wengen, and the fearsome Streif slope at Kitzbuehel, Austria.

"I never wanted to be a specialist," he said.

___

Follow Graham Dunbar at https://twitter.com/gdunbarap

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/347875155d53465d95cec892aeb06419/Article_2013-01-12-Men's%20World%20Cup/id-7ae91038702745e7a836c3677c7dd9dd

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Teach kids to choose from variety of healthy foods for a balanced diet

TORONTO, Cananda - Letting kids pick what they'd like to eat from a range of healthy choices will go far to ensure they have a balanced diet and make mealtimes more enjoyable, says a Toronto dietitian.

Cara Rosenbloom, who advises on healthy eating with her nutrition communications company Words to Eat By, has two young children, so she knows firsthand what parents and caregivers have to deal with on a daily basis.

She has come to value, in her work life and at home, information from Ellyn Satter, a dietitian, social worker and psychotherapist in Madison, Wis.

"Her advice is so straightforward and it works really well: As the parent you're responsible for providing a variety of healthy food choices and the child's responsibility is deciding which foods they want to eat from among those healthy choices and how much they want to eat," Rosenbloom explains.

"And if parents can remember that really simple division of responsibility it makes mealtime a lot more calm and easy and relaxed and it helps children not develop really picky or finicky eating habits."

Rosenbloom, 39, finds many parents initially pooh-pooh the idea, saying their children will eat just one thing or will eat too much but counters by saying "children have an amazing innate ability to know when they're hungry or when they're full."

And don't make children clear their plates. "If you force-feed kids, make them eat certain foods or make them eat a certain amount of food, that will override their natural ability to know when they're hungry and full, and when they lose that ability, that's when they overeat and that's when they gain weight. So it's really important to trust a child's appetite."

Provide items from Canada's Food Guide ? grains (especially whole grains), vegetables and fruit, milk and alternatives like cheese or yogurt, and lean meat, beans or fish ? at mealtime and your kids will choose a balanced meal.

Rosenbloom lets her children ? Kasey, 5, and Aubrey, 1 ? see what's on the table and choose what they want to eat.

"They're encouraged to try everything. If they don't like something they don't have to finish it, and if they do like it, that's fantastic and they can have more and I don't limit how much they're allowed to have of healthy foods," she says. "If they're hungry they eat more, and if they're full they stop eating."

It's OK for kids to have additional helpings if they want it.

"Kids grow at very different rates. One day they can have a big appetite because they're having a growth spurt and eat three or four helpings and the next day they might not be that hungry at all. That's totally normal," Rosenbloom says.

"Listen to your child's appetite. Of course not with things like chocolate cookies and chips.... But if they want some more broccoli and some more pasta and another piece of chicken, then let them eat."

It may take a few weeks for the kids to get used to eating this way.

"But when you stop bothering your kids about making sure that they eat certain portion sizes of different foods, the kids are relieved and when that stress is gone, that control is gone and they just enjoy eating as a family."

For children who don't have big appetites or eat a small variety of foods, it's important that what they do consume packs a nutritional punch in every bite.

Whole-grain bread has more fibre than white or whole-wheat bread.

If kids have a sweet tooth, supply foods that are naturally sweet but also have nutritional value, such as fruit.

Chocolate milk has some added sugar but still has the 16 nutrients found in plain milk, such as calcium, vitamin D and riboflavin.

"Sure, they're getting a couple of teaspoons of sugar, but look what else they're getting," Rosenbloom points out.

Yogurt with fruit has calcium and other vitamins and nutrients.

Dietitians find that children's diets are often deficient in DHA, a type of omega-3 fatty acid vital for normal development of the brain, eyes and nerves. It's important for children, especially those under age two, as well as for pregnant women.

One reason is the No. 1 source of DHA is fish, and a lot of kids don't love fish. Make it more kid-friendly ? try salmon cakes, incorporate cooked fish in sushi rolls and make salmon sandwiches.

Other sources are eggs enriched with omega-3, and milk and yogurt that have been enriched with naturally occurring DHA. The hens and cows have been given feeds that are richer in omega-3 fats, resulting in eggs and milk that are naturally richer in DHA. Not all brands contain it ? check labels. Two to try are Dairy Oh! milk and L'Il Ones yogurt.

Teach children the difference between a snack and a treat.

A snack is a mini meal ? cheese and crackers, cereal and milk, yogurt, fresh fruit, vegetables and dip. Kids need snacks for energy to carry them through the day.

"A treat for us is something that has lots of added sugar, lots of fat, things like cookies, chips, candy and ice cream," she adds.

"And those we don't have every day. Those are not things we bring to school to give you energy. Those are things we have at birthday parties, on the weekend, after dinner as dessert once in a while."

Source: http://www.edmontonjournal.com/health/Teach+kids+choose+from+variety+healthy+foods+balanced+diet/7802499/story.html

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kolijartukra882: Devotion Involving Vietnam A GOOD Travel-and ...

Devotion Involving Vietnam A GOOD Travel-and-Leisure Post
Entire time: 11 Days/ 10 Night times
Choice: Hochiminh Locale ? Mekong Delta : Hoian ? Hanoi : Halong These kinds of
Comer Area: Hochiminh Locale
Reduction Area: Hanoi
Hotel: 3 night times throughout Hochiminh, 3 night times throughout Hoian, 1 afternoon Halong Fresh, 3 night times throughout Hanoi
Shipping: Van, Holiday cruise, Accelerate Fishing boat, Aeroplane
Journey Guidebook: City Uk discussing
Ingredients: 10 breakfasts, have a look at lunches, have a look at cuisine

Journey synopsis
Moment 1: Hochiminh Locale Introduction (D)
Moment only two: Hochiminh Locale Sightseeing (B)
Moment 3: Hochiminh Locale ? Mekong Delta (B)
Moment several: Hochiminh Locale ? Hoian (B, D)
Moment 5: Hoian (B, L)
Moment 6: Hoian (B)
Moment 7: Hoian : Hanoi (B)
Moment 8: Hanoi : Halong (B, T, D)
Moment 9: Halong : Hanoi (B, L)
Moment 10: Hanoi (B, T, D)
Moment 11: Hanoi Reduction (B)

Journey Plans
Moment 1: Hochiminh Locale Introduction (D)
Encourage for you to Vietnam, regarding introduction, each of our vacation manual is going to welcome as well as transport you to ultimately resort meant for look at ? for. During the night, come to be each of our client from Vietnamese eaterie intended for intimate luminous made of wax illumination greet an evening meal. Stick instantaneously for resort around Ho Chi Minh Location.

Moment only two: Hochiminh Locale Sightseeing Trip (B)
Subsequently after lunch for resort, experience entire daytime town head to to help main sites within Hochiminh Community as well as Notre Dame Cathedral, Colonial Postal office shooting, Fights Remnant Memorial, Reunification Building, Billy Thanh Market place together with The far east Township. Inside day expedition prospects anyone to Cuchi Canal that aids you find Vietnamese fighters?s lifetime throughout the Warfare to protect against U . s citizens. Stick instantaneously during Ho Chi Minh Town hotel room.

Moment 3: Hochiminh Locale ? Mekong Delta (B)
Lunch break in accommodation, receive beautiful hard drive in order to This Tho intended for Mekong Delta Visit. Regarding introduction, begin individual sail boat with regard to Cai Often be Sailing Marketplace subsequently encounter Vietnamese super fruit including monster, Pomelo, Longan even though watch the native conventional music, executed through islanders. Going in order to Sampan intended for in close proximity as well as unique check out involving reduced pathways in addition to tributaries which has a take a look at a number of city production facilities such as Coconut Sweet, Almond Cardstock? afterward lunch break is certainly offered during regional cafe having Hippo Headsets Species of fish along with Recent New season Throw. Subsequently after lunch break, travel oh no- Hochiminh Community. Stick instantaneously for resort around Ho Chi Minh Location..

Moment several: Hochiminh Locale ? Hoian (B, D)
Subsequently after lunch for resort, shift to terminal with regard to shorter journey in order to Danang Location after that send to help Hoian. Regarding Introduction, delightful together with generate so that you can beachfront resort intended for sign on. Experience setting sun regarding Cua Dai Seaside when hoping Vietnamese Coctails. During the night, help you become approach to riverside eatery with regard to enchanting an evening meal. Stick instantaneously during Hoian resort.

Moment 5: Hoian (B, L)
In these days, try a advised running visit around Hoian as well as Japoneses Insured Link, Phung Had put Residences, Chinese language program Construction Arena; Chua Ong Pagoda together with Hoian Marketplace in that case have the Hoian real cuisines insurance firms lunch time on nearby eatery. On the mid-day, require intimate watercraft drive along side the Thubon Water to help Thanh ? Ceramic Commune in addition to cycling journey inside city connected with Hoian. Stick instantaneously for resort around Hoian.

Moment 6: Hoian (B)
Subsequently after lunch for resort, appreciate 100 % trip to pleasurable for the seaside or maybe possess your own private hobbies. Stick instantaneously for resort around Hoian.

Moment 7: Hoian : Hanoi (B)
Subsequently after lunch for resort, convert for you to Danang Terminal with regard to shorter journey in order to Hanoi. Regarding introduction, delightful together with move so that you can Inn with regard to sign on subsequently, get pleasure from fifty percent of day time urban center expedition in order to Hoan Kiem Sea with regard to Ngoc young man Forehead and then going for a walk see on the Older One. W NOT onight you?ve gotten set aside hold on an remarkable Drinking water Puppet Indicate from Thang Longer Warter Puppet Cinema. Stick instantaneously for resort around Hanoi.

Moment 8: Hanoi : Halong (B, T, D)
Each of our instruction may connect with people inside the resort subsequently depart Hanoi meant for ? Prolonged Gulf. On route, experience fresh new flavored coffee from Vietnam Handiraft Facility. Inside morning start on Vietnamese Trash in addition to luxury cruise as a result of the biggest market of Halong These types of despite the fact that making the most of a new eating fish or crustaceans noon-time meal. Consequently make a brief make your way to travel to Sung Sot Cavern, about the most extraordinary grottoes during Halong These types of. People can quickly luxury cruise throughout the these kinds of, death community hanging town, and then some of our chief find your private place intended for floating around together with solar washing. At some point, you should love loving sea food an evening meal fully briefed and now have a pleasant rest regarding vacation cruise throughout Halog Gulf.

Moment 9: Halong : Hanoi (B, L)
Early morning awake with the noises within the beach (Waves & seabirds). Make a day time go swimming in that case proceed to sampan intended for Luon Cavern search. Relating to the occassion, you?ll fortunate to observe goof in addition to ocean hawks with Isle clfs in addition to still Halong Area, through the rubbish you can certainly to observe city community center, Seafood Sector in addition to Town Lounge after that go and visit and revel in another food from the ocean meal in city dining. In a while, get back Hanoi, on route, head to Dong trieu Ceramic Small town. At some point, free check out page amusement. Stick instantaneously during Hanoi resort.

Moment 10: Hanoi (B, T, D)
Lunch break in accommodation. In these days, experience Preparing food Elegance along with Vietnamese expertise. The actual baking category will become which has a visit to plug intended for complete guide connected with Vietnamese seasoning and additionally constituents subsequently by means of Cheft?s way and also program, display regarding Vietnamese cuisines an example Springtime Jiggle, Banana Herb Greens? Get pleasure from lunch or dinner as well as generate the to help main sites within Hanoi together with Hochiminh Difficult, Brow involving Booklets as well as Vietnam Country?s Memorial associated with Ethnology. At some point, your local guidebook could web host goodbye bash supper on Vietnamese cafe. Stick instantaneously for resort around ? Noi.

Moment 11: Hanoi Reduction ( N )
The break ends up today along with wedding guest travel. Air port moves are offered

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CFPB: New Ability-To-Pay Mortgage Rule - Business Insider

When it comes to placing blame on mortgage lenders, regulators, or consumers for 2008's crippling housing crisis, it's fair to say each played a role.?

Yes, banks issued millions of mortgage loans that homebuyers couldn't afford, targeted minorities for subprime loans, and made the entire lending experience a muddled, confusing mess. And yes, federal regulations made it possible for them to do so. But, as some consumer critics argue, it wasn't as if borrowers were nailed down to a chair and forced to sign the dotted line.

In the end, the Consumer Financial Protection Bureau has come out on the side of the consumer. On Wednesday, the agency issued a new set of regulations that will put the onus on lenders to decide whether homebuyers are worthy of a loan.

They're calling it the "Ability-to-Pay" rule.

?When consumers sit down at the closing table, they shouldn?t be set up to fail with mortgages they can?t afford,? CFPB Director Richard Cordray said in a statement. ?Our Ability-to-Repay rule protects borrowers from the kinds of risky lending practices that resulted in so many families losing their homes. This common-sense rule ensures responsible borrowers get responsible loans.?

Here's what the new rule entails:?

The end of quick sale loans. In the past, lenders could get away with offering quickie low- or no-doc loans (they required few financial documents, if any, from the borrower and then could sell off the risky loans to investors). With the new rule, lenders must do a proper financial background. That means sizing up borrowers'?employment status; income and assets; current debt obligations; credit history; monthly payments on the mortgage; monthly payments on any other mortgages on the same property; and monthly payments for mortgage-related obligations.

Risky borrowers will have a harder time securing a loan. The lender must prove the borrower has "sufficient assets" to pay back the loan eventually. According to the CFPB, that's determined by calculating debt-to-income ratio (total monthly debt divided by monthly income).?

No more "teaser rates" to suck borrowers in. Lenders love to roll out juicy low introductory rates on mortgages to lure borrowers in, but under the new rule, they must calculate a borrower's ability to repay his loan based on the true mortgage rate ?? including both the principal and the interest over the long-term life of the loan.?

The agency will likely make exceptions for nonprofit lenders who work specifically with low- and middle-income borrowers.

SEE ALSO: This MBA student is learning how to flip a home the hard way >

Source: http://www.businessinsider.com/cfpb-new-ability-to-pay-mortgage-rule-2013-1

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Professor Quoted on Impact of Solar Storms (The Catholic University of America)

The Catholic University of America (CUA) is a private university located in Washington, D.C. in the United States. It is a pontifical university of the Catholic Church in the United States and the only institution of higher education founded by the U.S. Catholic bishops. Established in 1887 as a graduate and research center following approval by Pope Leo XIII on Easter Sunday, the university began offering undergraduate education in 1904.

The university's campus lies within the Brookland neighborhood known as "Little Rome", which contains 60 Catholic institutions, including Trinity Washington University and the Dominican House of Studies.

CUA's programs emphasize the liberal arts, professional education, and personal development. The school stays closely connected with the Catholic Church and Catholic organizations. The American Cardinals Dinner is put on by the residential U.S. Cardinals each year to raise scholarship funds for CUA. The university has a long history of working with the Knights of Columbus; the university's law school and basilica have dedications to the involvement and support of the Knights.

The university has been visited twice by reigning Popes. Pope John Paul II visited on October 7, 1979. On April 16, 2008, Pope Benedict XVI came to the campus's Edward J. Pryzbyla University Center and gave an address on Catholic education and academic freedom.

History

In 1882 Bishop John Lancaster Spalding went to Rome to obtain Pope Leo XIII's support for the University and persuaded family friend Mary Gwendoline Caldwell to pledge $300,000 to establish it. On March 7, 1889, the Pope issued the encyclical Magni Nobis, granting the university its charter and establishing its mission as the instruction of Catholicism and human nature together at the graduate level. By developing new leaders and new knowledge, it was believed that the University would strengthen and enrich Catholicism in the United States.

The founders wished to emphasize the Church?s special role in United States. They had a conviction that scientific and humanistic research, informed by faith, would strengthen the Church. They hoped to develop a national institution that would promote the faith in a context of religious freedom, spiritual pluralism, and intellectual rigor.

It was incorporated in 1885 and when the University first opened for classes in the fall of 1888, the curriculum consisted of lectures in mental and moral philosophy, English literature, the Sacred Scriptures, and the various branches of theology. At the end of the second term, lectures on canon law were added and the first students were graduated in 1889. In 1904, an undergraduate program was added and it quickly established a reputation for excellence.

The presence of CUA attracted other Catholic institutions to the area, including colleges, religious orders, and national service organizations. Between 1900 and 1940, more than 50 international Catholic institutions rented or owned property in neighboring Brookland. During the post World War II years, Catholic University experienced an expansion in enrollment thanks to the G.I. Bill.

Today the campus has over 6,000 students from all 50 states and around the world.

Campus

The CUA campus is in the residential community of Brookland in Northeast Washington; its main entrance is 620 Michigan Ave., NE. The campus is bound by Michigan Avenue to the south, North Capitol Street to the west, Hawaii Avenue to the north, and John McCormick Road to the east. It is three miles (5?km) north of the Capitol building.

The tree-lined campus is . Romanesque and modern design dominate among the university?s 55 major buildings. Between McMahon and Gibbons halls and alongside the Basilica of the National Shrine of the Immaculate Conception runs The Mall, a large strip of grass that is often the site of kickball games and sunbathers. Conte Circle is in the middle of Centennial Village, a cluster of eight residential houses.

The Edward J. Pryzbyla University Center was opened in the spring of 2003, bringing student dining services, the campus bookstore, student organization offices, an 800-person ballroom, a convenience store, and more student services under one roof. The John K. Mullen Library completed a $6,000,000 renovation in 2004, significantly improving the lighting and aesthetics of the interior and allowing the classical architecture to better shine through.

The Columbus School of Law is on the main campus and is self-contained in its own building with moot courtrooms, a library, chapel, classrooms, and offices. On the Pryzbyla Center side of the building is the Law School Lawn, where the ultimate Frisbee team can often be found. Theological College, the United States's national seminary, is located across Michigan Avenue from the main campus and sits between the Dominican House of Studies, a seminary for the Order of Preachers, and offices for the Oblates of Mary Immaculate. Trinity Washington University is also near the university and is a quarter mile south along Michigan Avenue. In April 2004, the University purchased of land from the Armed Forces Retirement Home. The parcel is the largest plot of open space in the District and makes CUA the largest university in D.C. by land area. There are currently no plans for the parcel other than to secure the property for future growth.

In 2007, the University unveiled plans to expand the campus by adding three new dorms to the north side of campus. The first of these dorms, the seven-story tall Opus Hall, houses 420 upper-class students, making it the largest dorm on campus. The three new dorms, when built, will replace the two now demolished dorms on the south side of campus, Conaty and Spellman. Although dorms are coeducational with men and women living in the same buildings, this is being phased out beginning in the fall of 2011 with a return to single-sex dorms.

The Campus is served by the Brookland-CUA station on the Red Line of the Washington Metro. Union Station, Capitol Hill, and the Smithsonian museums are only a few minutes' ride away. Near campus are the offices of the United States Conference of Catholic Bishops and the Franciscan Monastery of the Holy Land.

Green initiatives and sustainability

CUA has environmental sustainability programs including participation in Earth Day, Casey Trees tree planting, and Campus Beautification Day. CUA constructed its most recent building, Opus Hall, as LEED-compliant, and purchases 30% of its electricity from green sources. The university is participating in the 2010 College Sustainability Report Card rating.

In 2009, the School of Architecture and Planning introduced a Master of Science in Sustainable Design degree.

Student life

There are over 100 registered student clubs and organizations at CUA for a wide variety of interests including athletics, academics, social, Greek life, service, political and religious.

Although the Catholic University states that it does not have any Greek life on campus, it in fact has two social Greek organizations and one service Greek organization. Catholic University Greek Life includes Alpha Delta Gamma the National Catholic Social Fraternity?Kappa chapter, Kappa Tau Gamma the local Christian Social-Service Sorority, and Alpha Phi Omega the National Service Fraternity?Zeta Mu chapter which is co-ed.

The CUA Student Association is the university's undergraduate student government. It includes the General Assembly, an advocacy body, and the Student Fee Allocation Board which serves as the steward of the Student Activity and Club Sports Fee.

The graduate student government is a separate entity and was not affected by the changes during the 2006-2007 academic year. Annual events include week-long Homecoming celebrations, the Mr. CUA competition, and a number of dances including the Beaux Arts Ball, the Mistletoe Ball, and the Athletes Ball. In addition to the radio station WCUA, other campus media outlets include The Quorum, the campus political magazine, CUA-TV, the campus television station, The Tower, the campus' independent weekly newspaper, and CRUX, a literary magazine.

The music and drama programs stage productions each semester, performances ranging from Broadway productions to plays. Catholic University students also participate in is a Symphony orchestra and choral groups, including A Cappella groups Take Note and RedLine.

The DuFour Athletic Center has hosted The Alarm, The Fixx, Black 47, Gavin DeGraw, Brandi Carlile, The Hooters, They Might Be Giants, Howie Day, and The Ataris. Comedy acts include Ben Stein and Big Al Goodwin. The university's Program Board, which puts on many of the concerts on campus as well as the annual Mistletoe Ball, provides other activities for the entire CUA community. Previous events include ski trips, advance screenings of movies, Noise In The Pryz, and the Movies on the Mall.

Campus ministry and religious life

While the university welcomes students of all faiths, 84% of undergraduates and 59% of graduate students self-identify as Catholic. The campus ministry has two groups of student ministers: the "resident ministers" who live in residence halls and focus primarily on upperclassmen and the "house members," who focus on freshmen.

The Friday Night Planning Committee works with the house members to plan activities for Friday nights that are alcohol free. Campus ministry also coordinates university liturgies, plans and runs retreats, provides faith formation including R.C.I.A., and operates the online Prayernet.

Athletics

The Catholic University of America's intercollegiate sports teams are called the Cardinals and they compete in the NCAA's Division III. They are primarily members of the Landmark Conference, and associate members of the Old Dominion Athletic Conference (football). The team colors are red (PMS 1805) and black The first recorded football game was played against Mount Saint Mary's College on November 28, 1895 but records indicate earlier track and field events.

The University beat the University of Mississippi at the second Orange Bowl in 1936.

CUA sponsors 21 NCAA Division III sports teams. The school competes in football in the Old Dominion Athletic Conference, in men's baseball, softball, women's volleyball and field hockey, and in men's and women's cross country, soccer, basketball, swimming, lacrosse, tennis, and indoor and outdoor track and field, in the Landmark Conference.

Club sports

Students field club teams in sports including cheerleading, ice hockey, rugby, dance, and rowing.
  • The ice hockey team competes in the Blue Ridge Hockey Conference and plays at the Fort Dupont Ice Arena.
  • Both men's and women's rugby teams compete in the Collegiate Division II pools of the Potomac Rugby Union.
  • The Catholic University of America Rowing Association rows on the Anacostia River out of the Bladensburg Waterfront Park in Maryland.
  • Academics

    , Catholic University has 12 schools:
  • School of Architecture and Planning
  • School of Arts and Sciences
  • School of Canon Law
  • School of Engineering
  • Columbus School of Law
  • School of Library and Information Science
  • Benjamin T. Rome School of Music
  • School of Nursing
  • School of Philosophy
  • Metropolitan School of Professional Studies
  • National Catholic School of Social Service
  • School of Theology and Religious Studies
  • in addition to 21 research centers and facilities.

    The 12 schools offer Doctor of Philosophy degrees (or appropriate professional degrees) in 66 programs and Master's Degrees in 103 programs. Undergraduate degrees are awarded in 72 programs by six schools: architecture and planning, arts and sciences, engineering, music, nursing and philosophy.

    Undergraduates combine a liberal arts curriculum in arts and sciences with courses in a major field of study. The Metropolitan School provides programs for adults who wish to earn baccalaureate degrees or participate in continuing education and certificate programs on a part-time basis. 88% of undergraduates and 61% of graduate students are Catholic.

    Catholic University is the only U.S. university with an ecclesiastical faculty of Canon law and is one of the few U.S. universities with ecclesiastical faculties of philosophy and sacred theology. Theological College, the university seminary, prepares men for the priesthood. The School of Theology and Religious Studies is a member of the Washington Theological Consortium.

    Ninety-eight percent of full-time faculty have doctoral or terminal degrees and 68% teach undergraduates. Of the full-time faculty, 59% are Catholic.

    CUA was one of the fourteen founding members of the Association of American Universities, although it withdrew its membership in 2002, citing a conflict with its mission.

    Research centers and facilities

    Over time, several national Catholic scholarly associations became based at the university, including the Catholic Biblical Association of America, publisher of the Catholic Biblical Quarterly, and (for many years) the American Catholic Philosophical Association. The university is also home to the Catholic University of America Press.

    Research institutes located here include:

  • Center for Advanced Training in Cell and Molecular Biology
  • Center for Advancement of Catholic Education
  • Center for American Catholic Studies
  • Center for Catalan Studies
  • Center for Irish Studies
  • Center for Medieval and Byzantine Studies
  • Center for Pastoral Studies
  • Center for the Study of Culture and Values
  • Center for the Study of Early Christianity
  • Center for the Study of Energy and Environmental Stewardship
  • Center for Ward Method Studies
  • Homecare and Telerehabilitation Technology Center
  • Institute for Astrophysics and Computational Sciences
  • Institute for Biomolecular Studies
  • Institute for Christian Oriental Research
  • Institute for Communications Law Studies
  • Institute for Policy Research and Catholic Studies (formerly the Life Cycle Institute)
  • Institute for Sacred Music
  • Institute for Social Justice
  • Institute of Musical Arts
  • Latin American Center for Graduate Studies in Music
  • Vitreous State Laboratory
  • Academic freedom

    Although the University continues to be under censure by the American Association of University Professors (AAUP) for academic freedom violations and continues to ban certain speakers from campus, CUA has made a general statement of policy that the academic freedom of its faculty and students will be respected. It considers academic freedom a "fundamental condition for research and dissemination of information." The policy sets forth its respect for the right and responsibility of its faculty and students to (i) conduct research, (ii) publish their findings, and (iii) discuss ideas according to the principles, sources and methods of their academic disciplines. The University further "sanctions" the investigation of "unexplored phenomena, advancement of knowledge, and critical examination of ideas, old and new" and "accepts the responsibility of protecting both teacher and student from being forced to deny truth that has been discovered or to assert claims that have not been established in the discipline."

    However, the University specifically provides that "theologians" in the University are "expected to give assent to the teachings of the magisterium in keeping with the various degrees of assent that are called for by authoritative teaching." It should be noted that the Catholic University of America does not offer general studies in theology. Instead it offers doctorates in historical theology and systematic theology, the latter of which ?undertakes the task of a comprehensive and synthetic understanding of the Christian faith as mediated through the Scriptures and the Catholic Tradition and as interpreted by the conciliar and papal magisterium In addition, it offers ecclesiastical degrees (i.e., licensees to teach Catholic Theology) in Liturgical Studies and Sacramental Theology, Moral Theology/Ethics, and Historical and Systematic Theology. In order to teach theology at The Catholic University of America, one must be licensed to teach Catholic Theology by the Vatican.

    American Association of University Professors censure (the Curran case)

    In 1967, tenured professor Reverend Charles E. Curran was fired for his views on birth control, but was reinstated after a five-day faculty-led strike. In 1986, the Vatican declared that Curran could no longer teach theology at Catholic University of America schools, because "clashes with church authorities finally culminated in a decision by the Sacred Congregation for the Doctrine of the Faith, headed by then-Cardinal (and now Pope) Josef Ratzinger, that Curran was neither suitable nor eligible to be a professor of Catholic theology." The areas of dispute included publishing articles that debated theological and ethical views regarding divorce, "artificial contraception", "masturbation, pre-marital intercourse and homosexual acts." As noted in the American Association of University Professors report, "Had it not been for the intervention of the Sacred Congregation for the Doctrine of the Faith, Professor Curran would undoubtedly still be active in the university's Department of Theology, a popular teacher, honored theologian, and respected colleague." Curran's attorneys argued that CUA did not follow proper procedures or its own policy statements in handling the case. In essence, CUA claimed that the Vatican's actions against Curran trumped any campus-based policy or tenure rules.

    In 1989, he filed suit against Catholic University, and the court determined that the University had the right to fire him for teaching views in contradiction to the school's religion.

    In 1990, the American Association of University Professors (AAUP) defended Curran and censured the Catholic University of America due to its failure to adhere to the AAUP's Principles on Academic Freedom and Tenure, and that it found that "unsatisfactory conditions of academic freedom and tenure have been found to prevail" at the Catholic University of America. , the Catholic University remains on the list of censured institutions. The two conditions for having the censure removed are inviting Curran, whose license to teach Catholic Theology had been suspended by the Vatican, back to campus and changing the University's "Statement on Academic Freedom." President David M. O'Connell refused to do either stating, "Every American university has a right to govern itself according to its own identity, mission, standards and procedures."

    However, the Middle States Association of Colleges and Schools continues to accredit CUA and renewed the accreditation in 2005. In a controversy not involving CUA in the 1980s, the Southern Association of Colleges and Schools noted "the right of an institution to pursue its established educational purpose," supports the "governing board" decisions on upholding "the interests of the founders, the supporting religious group, the supporting governmental agency, or other supporting party."

    Speaker policy

    The University as a policy does not allow outside guests to speak on campus to any audience if they have previously expressed an opinion on abortion rights or other serious issues conflicting with the Catholic Church's official position. Applying this policy in 2004, CUA was criticized for rescinding Stanley Tucci's invitation for a seminar about Italian cinema, because he had lent past support for Planned Parenthood.

    In a letter to the campus that next month, university President David O'Connell wrote:

    I consider any pro-choice advocacy ? whether deliberate or accidental, whether presented under the guise of academic freedom or right to free speech ? as incompatible with that fidelity and not worthy of The Catholic University of America.

    The next year, in 2005, the school was criticized for initially rejecting an application for recognition of a student chapter of the NAACP; one of the reasons officials cited in its rejection was the national organization's pro-choice stance. In 2006 the CUA administration barred a student-run on-campus performance of Eve Ensler's The Vagina Monologues.

    The speaker policy gained national attention again in 2008 when the CUA College Republicans, the University's largest student organization, hosted former Homeland Security Secretary Tom Ridge. Ridge once campaigned on a moderate pro-choice platform despite being a Catholic. In spite of this, school officials still approved Ridge to speak. Members of the Cardinal Newman Society heavily criticized the organization.

    In 2009, the school made its speaker policy more stringent, prohibiting all candidates for political office from speaking on campus. Representatives of both Democratic and Republican clubs on campus have criticized the decision.

    Notables

    Notable alumni

    There are many notable alumni of The Catholic University of America, particularly in the arts, in the Church and in public service. Graduates include cardinals, bishops, priests and nuns. CUA's Current total of Alumni exceeds 83,000.

    Members of the United States House of Representatives and Senate, ambassadors, governors, state legislators, mayors, and judges have also attended CUA. Additionally, many notable actors, playwrights, columnists, and social activists are alumni in addition to film, theatrical and television producers. Others include CEOs, scholars and university presidents.

    Notable faculty

  • Clyde Cowan, co-discoverer of the neutrino
  • Msgr. Joseph Clifford Fenton, peritus to Cardinal Alfredo Ottaviani at the Second Vatican Council
  • Oleg Kalugin, former KGB spy
  • Theo Holm (1854?1932), botanist Carl Amery, German writer
  • Frederick Joseph Kinsman, ecclesiastical historian
  • Douglas Kmiec, Legal Counsel to President Ronald Reagan; United States Ambassador to Malta; faith advisor to President Barack Obama; served as Dean and St. Thomas More Professor, Columbus School of Law
  • John M. Slattery, Jr., actor
  • Archbishop Fulton Sheen, taught philosophy 1926-1950
  • Cardinal Avery Dulles, taught theology 1974-1988
  • George P. Smith II Bioethics scholar, prolific writer
  • University rectors and presidents

    # Bishop John J. Keane (1887?1896) # Bishop Thomas J. Conaty (1896?1903) # Bishop Denis J. O'Connell (1903?1909) # Bishop Thomas J. Shahan (1909?1927) # Bishop James Hugh Ryan (1928?1935) # Bishop Joseph M. Corrigan (1936?1942) # Bishop Patrick J. McCormick (1943?1953) # Bishop Bryan J. McEntegart (1953?1957) # Bishop William J. McDonald (1957?1967, last Rector) # Clarence C. Walton, Ph.D. (1969?1978, first President) # Edmund D. Pellegrino, M.D. (1978?1982) # Rev. William J. Byron, S.J. (1982?1992) # Brother Patrick Ellis, F.S.C. (1992?1998) # Bishop David M. O'Connell, C.M., J.C.D. (1998?2010) # John H. Garvey, J.D. (2010?present)

    Board of trustees

    CUA was founded by the nation's bishops, and they continue to have a presence on the Board of Trustees. Of the 51 trustees (including the University president), 24 are bishops (including eight cardinals). In addition, there are one religious sister and two priests.

    References

    External links

  • The Catholic University of America
  • The Catholic University of America Athletics
  • Category:Educational institutions established in 1887 Category:Middle States Association of Colleges and Schools Category:Pontifical Universities Category:Roman Catholic universities and colleges in the United States Category:Universities and colleges in Washington, D.C. Category:Roman Catholic Church in Washington, D.C. Category:Oak Ridge Associated Universities Category:Glass science institutes Category:Pope Leo XIII

    de:Katholische Universit?t von Amerika es:Universidad Cat?lica de Am?rica fa:??????? ??????? ?????? fr:Universit? catholique d'Am?rique it:Universit? Cattolica d'America nl:Katholieke Universiteit van Amerika no:Catholic University of America pl:The Catholic University of America pt:Universidade Cat?lica da Am?rica fi:Amerikan katolinen yliopisto sv:Catholic University of America

    Source: http://article.wn.com/view/2013/01/10/Professor_Quoted_on_Impact_of_Solar_Storms_The_Catholic_Univ/

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