Revealing a mini-supermassive black hole

ScienceDaily (Oct. 24, 2012) ? One of the lowest mass supermassive black holes ever observed in the middle of a galaxy has been identified, thanks to NASA's Chandra X-ray Observatory and several other observatories. The host galaxy is of a type not expected to harbor supermassive black holes, suggesting that this black hole, while related to its supermassive cousins, may have a different origin.

The black hole is located in the middle of the spiral galaxy NGC 4178, shown in this image from the Sloan Digital Sky Survey. The inset shows an X-ray source at the position of the black hole, in the center of a Chandra image. An analysis of the Chandra data, along with infrared data from NASA's Spitzer Space Telescope and radio data from the NSF's Very Large Array suggests that the black hole is near the extreme low-mass end of the supermassive black hole range.

These results were published in the July 1, 2012 issue of The Astrophysical Journal by Nathan Secrest, from George Mason University in Fairfax, Virginia, and collaborators.

The properties of the X-ray source, including its brightness and spectrum -- the amount of X-rays at different wavelengths -- and its brightness at infrared wavelengths, suggest that a black hole in the center of NGC 4178 is rapidly pulling in material from its surroundings. The same data also suggest that light generated by this infalling material is heavily absorbed by gas and dust surrounding the black hole.

A known relationship between the mass of a black hole and the amount of X-rays and radio waves it generates was used to estimate the mass of the black hole. This method gives a black hole mass estimate of less than about 200,000 times that of the sun. This agrees with mass estimates from several other methods employed by the authors, and is lower than the typical values for supermassive black holes of millions to billions of times the mass of the sun.

NGC 4178 is a spiral galaxy located about 55 million light years from Earth. It does not contain a bright central concentration, or bulge, of stars in its center. Besides NGC 4178, four other galaxies without bulges are currently thought to contain supermassive black holes. Of these four black holes, two have masses that may be close to that of the black hole in NGC 4178. XMM-Newton observations of an X-ray source discovered by Chandra in the center of the galaxy NGC 4561 indicate that the mass of this black hole is greater than 20,000 times the mass of the sun, but the mass could be substantially higher if the black hole is pulling in material slowly, causing it to generate less X-ray emission. A paper describing these results was published in the October 1st, 2012 issue of The Astrophysical Journal by Araya Salvo and collaborators.

The mass of the black hole in the galaxy NGC 4395 is estimated to be about 360,000 times the mass of the sun, as published by Peterson and collaborators in the October 20, 2005 issue of the Astrophysical Journal.

Previously, astronomers have found that observations of a large number of galaxies are consistent with a close correlation between the mass of a supermassive black hole and the mass of the bulge of its host galaxy. Theoretical models developed to explain these results invoke mergers of galaxies, and predict that galaxies without bulges are unlikely to host supermassive black holes. The results found for NGC 4178 and the four other galaxies mentioned run counter to these predictions, and may suggest that more than one mechanism is at work in forming supermassive black holes.

Three other X-ray sources were found in the Chandra image. If they are located in NGC 4178 they are likely to be binary systems containing a black hole or neutron star. The brightest of the three sources may be an intermediate-mass black hole with a mass that is about 6,000 times that of the sun.

The co-authors of the paper describing these results are Shobita Satyapal, and Mario Gliozzi, from George Mason University; Teddy Cheung, from the National Academy of Science in Washington DC; Anil Seth, from the University of Utah in Salt Lake City, UT, and Torsten Boeker from ESA/ESTEC in the Netherlands.

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The above story is reprinted from materials provided by Chandra X-ray Observatory.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.

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Journal Reference:

1. Nathan Secrest, Shobita Satyapal, Mario Gliozzi, C. C. Cheung, Anil Seth, Torsten Boeker. The Chandra View of NGC 4178: The Lowest Mass Black Hole in a Bulgeless Disk Galaxy? The Astrophysical Journal, 2012 [link]

Note: If no author is given, the source is cited instead.

Disclaimer: Views expressed in this article do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/top_news/top_technology/~3/KIhhWiypEgk/121024150904.htm

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Children's Hospitals and Clinics of Minnesota - Communications ...

Join the creative and energetic Children?s Hospitals and Clinics of Minnesota marketing team, and help us further enhance our strong brand by telling our story to internal and external audiences. The role of the Communications Consultant will focus primarily on internal communications, with additional public and media relations responsibilities. This position, reporting to the Manager of Public Relations and Internal Communications, will drive strategic direction, counsel, and execution of communications plans aimed at engaging and rallying Children?s 4,200 employees around our brand position that nobody treats kids like we do. This person will develop integrated plans, utilizing multiple channels, to communicate to and with specific employee groups, as well as the organization as a whole.? The role will also include handling public relations requests, working with news media, and the development of public relations strategies that will showcase Children?s leadership in pediatric care. Children?s Hospitals and Clinics of Minnesota is the seventh largest pediatric health care organization in the country, and the regional leader in caring for kids. At our two hospital sites, day surgery center and growing footprint of clinic locations, we proudly believe that nobody treats kids like we do.

In this role you will be responsible for:

Strategic counsel around internal communications issues and needs

Execution and evolution of a Town Hall Meeting model to increase engagement between employees and our executive team

Conveying organizational goals and strategies to employees in a way that increases engagement and aligns people around our mission

Development and direction of two-way communications tools to give employees a voice, and to allow us to engage them in dialogue?

Staying current on ever-evolving internal communications tools/technologies to continuously improve our organization?s ability to achieve business objectives

Scheduling and facilitating regular meetings with key internal clients, including the executive team, staying ahead of planned announcements and communications needs

Serving as a gatekeeper in the flow of information to employees, ensuring we are communicating with one voice while using consistent messaging

Writing internal memos, e-mail announcements, blog postings, presentations, and other strategic communications to clearly communicate with employees

Writing and editing press releases, blog postings, bylined articles and other documents aimed at external audiences??

Leveraging social media tools to accomplish internal and external communications goals

Participation in and development and execution of media relations campaigns, including writing news releases, pitching news media, staffing media events, and crisis communications

Qualifications

• Five to seven?years experience in corporate communications including experience with internal communications and media relations
• Excellent writing and editing skills
• Ability to present to groups effectively
• Comfort interacting and working with senior leadership
• Highly organized and detailed oriented
• Ability to manage multiple projects, timelines and budgets simultaneously in a fast-paced environment
• Strong relationship-building skills
• Ability to find great stories, hone them, and tell them in a compelling way through multiple vehicles
• Comfort working with news media
• A quick study and a desire to become a subject matter expert on many topics
• Able to take initiative and move projects forward while still being able to foster a team atmosphere

If you are interested in applying for the position, please apply online at childrensmn.org.? Please refer to job number 21920.

Source: http://www.mnprjobs.com/2012/10/childrens-hospitals-and-clinics-of.html

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LIVE: Tigers vs. Giants in Game 1 of World Series

(94-68) NL West

(88-74) NL Central

Batters		AB	R	H	RBI	BB	SO	LOB	AVG
?		?	?	?	?	?	?	?	?
Total

Pitchers		IP	H	R	ER	BB	SO	HR	ERA
?		?	?	?	?	?	?	?	?
Total

Batters		AB	R	H	RBI	BB	SO	LOB	AVG
?		?	?	?	?	?	?	?	?
Total

Pitchers		IP	H	R	ER	BB	SO	HR	ERA
?		?	?	?	?	?	?	?	?
Total

Source: http://ingamegiants.csnbayarea.com/

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Origin Required for EA Games on Wii U | TechnoBuffalo

If you plan on picking up a Wii U and any games published by EA, you might be interested in knowing that doing so will include the birth of your very own Origin account. EA?s updated written policy on the matter has come out, and it includes very specific language about their online gaming network.

GoNintendo?grabbed a section of EA?s brand new privacy policy that?s recently been updated to include the Wii U. Here?s the bit that links Origin to Nintendo?s new console.

If you sign up to play EA games through a Nintendo Wii U console, your Nintendo account information will be provided to EA so that we can establish an Origin Account for you. You need an Origin Account to play EA?s titles online. By signing up to play EA?s titles, you agree that limited user account information can be transferred to EA. Information transferred to EA includes your Mii information, email address, Nintendo Network ID, friend list, country, language and date of birth but does not include credit card number or other financial account information.

In all fairness, this new nugget of knowledge doesn?t arrive?unexpected. As it currently stands, any EA game that launches for the PlayStation 3 or Xbox 360 requires users to link their accounts with Origin. Origin doesn?t exactly have a massive role in the process of playing each game, but gamers say yes to an agreement that links their gamertags and network IDs with EA?s unpopular gaming platform at the onset.

Put simply, if you buy and play a new EA game that connects to the internet, you have an Origin account.

However, for most gamers in tune with the industry, simply knowing?that they?ll be supporting Origin whenever they buy and play one of EA?s games for the Wii U is a problem.

As an aside, we really hope ?Nintendo Network ID? isn?t just re-branding for ?Friend Code.? I?d love to see actual online usernames come with this thing.

[via GoNintendo]

Source: http://www.technobuffalo.com/gaming/platform-gaming/origin-required-for-ea-games-on-wii-u/

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Guest Post: Investing In Iraqi Oil And Gas: Too Risky? | ZeroHedge

Submitted by Jen Alic of OilPrice.com

Investing In Iraqi Oil And Gas: Too Risky?

Risk, like everything else, is relative. So, relatively speaking, Iraq is open for business and certainly a more attractive investment than, say, Libya?in part because it?s easier to see what?s coming in Iraq, while what?s coming in Libya for now is just chaos (and it?s already arrived).

First, let?s try to paint a picture of the overall security situation, which is also an exercise in relativity.

In the north, we have the territory controlled by the Kurdish Regional Government (KRG), where business is flourishing (along with corruption) and where one needn?t even engage a controversial Western private security companies to move around.

But also in the north, we have a belt of disputed territories, which lies between the KRG and the Iraqi central government, both geographically and politically. The clincher is that the KRG?s grand plans for two new pipelines that would bypass the central government and pump oil and gas directly to Turkey are to be undertaken in this disputed territory, specifically in Kirkuk.

Baghdad won?t stand for it. Already sectarian tensions are being fomented more intensely as Baghdad installs a new military operations center in Kirkuk and Iraqi and Kurdish forces begin a new showdown over security.

Business is pretty good in central Baghdad, where the security situation is fairly stable (again, relativity is necessary here), but where one doesn?t walk around without physical security. Mathematically speaking, of Baghdad?s 88 zones or neighborhoods, there are about 10 that should be considered highly dangerous. The rest are ?safe?. ?Safe? means that you have a 50-70% chance of coming out alive.

Then we have everything south of Baghdad, places like Anbar province and the Basra governate. Anbar is where al-Qaeda is regrouping for another round and preparing its forces to join the confrontation in Syria. Basra is Iranian territory?Iraq?s oil-rich golden egg where it is only Iranian influence that is keeping tensions on the low burn.

Throughout Iraq?s provinces, we have an increasing urge for autonomy, which would essentially render Iraq a failed state. So far, only Kurdistan has autonomy, but others are eyeing it: including DIyala, Anbar, Salahuddin, and Basra.

In terms of oil, Basra is the most important of these, and much of Basra?s population is angry with Baghdad because the provincial government does not have as much control as it would like over its natural resources and that the revenues aren?t trickling down to the locals.

ExxonMobil, for one, appears to have had enough, announcing recently that it may pull up stakes in Iraq?s south and stick to the Kurdish north, where the business arrangements are more flexible and the security situation more manageable, at least outside of Kirkuk.

So is Iraq too risky an investment? It depends how far ahead you want to look.

For the next two years, we will probably see more of the political status quo, largely thanks to Iranian intervention, which is the only thing keeping things from falling apart at the seams right now.

Further down the road, in the absence of a major increase in foreign investment and socio-economic improvement, we are likely to see the start of a failed state, a renewed civil war as more and more provinces jump on the autonomy bandwagon creating tensions among Sunnis and Shi?ites, and a bloody conflict over Kurdish independence.

Source: http://www.zerohedge.com/news/2012-10-22/guest-post-investing-iraqi-oil-and-gas-too-risky

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China Mobile confirms Nokia?s Lumia 920T, offering what could be a much-needed gamechanger

Rumors of a custom model of Nokia?s Lumia 920 smartphone designed to work on China Mobile?s 3G and upcoming 4G networks leaked out last week, but the device?s existence appears to have been (temporarily) confirmed by the carrier.

I say temporarily because China Mobile posted a microblog message to Sina Weibo teasing the Lumia 920T as coming next month, but it quickly deleted the message, though not before it got picked up by Chinese bloggers.

Note the official China Mobile account watermark in the bottom right corner

The deleted message reportedly said the device would sport a 4.5-inch 1280 by 768 screen with the Snapdragon quad-core 1.5GHz processor, so the same main specs as the US version of the Lumia 920 that was announced in September. The Lumia 920 is selling for $149.99 on contract with AT&T in the US.

The key difference is that the Lumia 920T will include support for TD-SCDMA, which is China Mobile?s special 3G standard, as well as TD-LTE, the protocol that the operator is using for its 4G network.

Nokia had an?embarrassing gaffe on its hands with the Lumia 920 after it was discovered that demo shots that supposedly represented its image stabilization features were actually filmed on a DSLR. The incident prompted?an investigation?from the company?s ethics officer.

Previously the undisputed leader of the mobile industry, Nokia has fallen on hard times. The company recently announced plans to offer a senior convertible bond note in hopes of improving liquidity.

Nokia lost $754 million last quarter and sold just 2.9 million Lumia phones, down 1.1 million sequentially. As such, the company?s continued partnership with China Mobile is vital to its comeback. With nearly 700 million subscribers, the carrier is worth pursuing on numbers alone, but Nokia also has an added benefit that it doesn?t yet have to compete against Apple?s iPhone on the network. Apple?s iPhone 5 is expected to arrive on rivals China Unicom and China Telecom soon, but cooperation with China Mobile still appears to be a ways out.

China Mobile currently boast more than 75 million 3G customers, so if Nokia?s Lumia 920T succeeeds in capturing sales from even a fraction of those, it will represent a significant portion of the company?s sales volume as compared to recent quarters.

Interest in Windows Phone has been on the rise among consumers in China, and the growing number of Chinese-language Windows rumor blogs and microblogs attests to that fact. Though its market share has eroded quickly in the face of competition from Android and Apple, Nokia should still have remnants of brand loyalty among the country?s consumers that it can tap into with a fresh device.

Nokia should also get some help in China from its partner Microsoft. The Windows maker just launched its online store in the country to promote its Surface tablet, while also marketing its Windows Phone platform.

Meanwhile, back in the US, Microsoft is gearing up for a big launch of its Windows Phone 8 platform on October 29th. It?s going to a busy day, though, as Google has also scheduled its own event to announce new Android devices on the same day.

Image credit:?Cnbeta.com

Source: http://feedproxy.google.com/~r/TheNextWebAsia/~3/t3rPhE-Q0GE/

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Romney praises Obama foreign policy rather than burying it

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Source: http://news.yahoo.com/romney-praises-obama-foreign-policy-rather-burying-065059150.html

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For whom Josh Bell tolls | Harvard Gazette

As a boy, poet Josh Bell says he was ?quiet, timid, nervous ? the same as I am now.?

So it?s a tad surprising that Bell, the new Briggs-Copeland Lecturer on English, has been inspired by bad boy and M?tley Cr?e vocalist Vince Neil for the past few years, turning the onetime god of late ?80s hair metal ? eponymously bedecked in studded leather and a rotating assortment of women and bandanas ? into a poetic vehicle to explore, well, Josh Bell.

?All the poems I write are autobiographical,? he admits, ?but I can?t get interested in a poem if I start talking about anything actually happening in my life verbatim. So I always have to create a distance in order to be able to write at all. It?s easier for me to get interested in myself if I see it from the outside somehow.?

The Vince Neil poems make up Bell?s as-yet-untitled second book, which he?ll likely publish during his five-year stint at Harvard. His first collection, ?No Planets Strike,? has become a sort of cult classic, composed, in part, of? ?a series of poems that were sort of an epic sequence, but an epic in reverse,? Bell explains. ?So instead of the hero going down to the underworld to speak to the dead, I had one of the dead come to the over-world to speak to the living.? In addition to the zombie poems, Julia Roberts has a poem dedicated to her, and a character named Ramona appears again and again.

Soundbytes: Josh Bell

Josh Bell, Briggs-Copeland Lecturer on English, talks poetry and reads some of his work for the Gazette in his Barker Center office. Hear and read the full poems: ?Hidden Lake? and ?While Josh Sleeps?

The affable Neil continues Bell?s affinity for winding sagas as the rocker rants his way through Chinese dinners and flights to writers? conferences and, in one poem, accompanies Josh (a character who ?is me, but also isn?t?) to a dinner with poets where he ?starts speaking strangely.?

?I wanted Vince Neil because M?tley Cr?e peaked at a certain time, and Vince Neil is still out there kicking, and I like that idea of a hero, post-heroic,? Bell says. ?So I wanted to borrow him. I like him for the idea of potential creepiness; I like him for the leatheriness. I don?t speak easily. In social situations, I get a little nervous or anxious or off to the side, and I wanted this figure who would walk into those situations and speak ridiculously but confidently. He has a license I feel like I don?t have a lot of the time.?

Poetic footing

Growing up in Terre Haute, Ind., Bell had aspirations in the literary world. But before meeting the poet Rodney Jones, Bell envisioned himself behind the scenes as a professor or literary critic.

Bell attended Southern Illinois University Carbondale, where Jones has taught since 1985. ?I?d always written, but up until meeting Rodney, for some reason, I realized at some point that people actually sit down and write the things that you see ? poems, stories, movies, that kind of thing. That happened to me a little too late. And with Rodney, I realized there are actually living poets who existed,? recalls Bell.

?Rodney used to take us fishing all the time. And to see him, at the back of the boat, fishing, and knowing he was famous to some people was a big moment for me. A few years later he won the Kingsley Tufts Award, and I was like, ?Whoa, that guy?s just like sitting in his boat in southern Illinois right now.? ?

During college, Bell followed a girlfriend along on her fellowship to Italy, where he randomly discovered a book of Frank O?Hara?s poems that another student had left behind.

?It was the first time I?d read O?Hara. So with Rodney?s example, and O?Hara, and my exile from America, I just started writing pretty well, and I wrote the poems then that I included in my application to get into Iowa.?

At the prestigious Writers? Workshop at the University of Iowa, Bell worked with Jorie Graham, now the Boylston Professor of Rhetoric at Harvard. ?I was Jorie?s student at Iowa, and it?s great to be working with her again,? he says.

Before arriving at Harvard, Bell taught at Columbia University, where he worked with former Briggs-Copeland poet Lucie Brock-Broido. ?Lucie was the one who talked me into applying for the Briggs-Copeland,? he says, ?and I owe her a lot.?

Settling in

In his new office at the Barker Center, Bell can be found some afternoons reading by lamplight, preparing for the two creative writing workshops he is teaching this semester.

Bell is glad to have left New York, which he calls ?a hard city for me to live in.?

?You feel like you have to put on armor and do battle to go get groceries. Cambridge is quieter, and I like it a lot,? he says.

He began teaching at Columbia during the third year of a Ph.D. program at the University of Cincinnati, where he is still enrolled. His dissertation will be the Vince Neil poems, but he?s in the midst of completing a few last credits.

?When I took the Columbia job, I learned that I?d thought of teaching as a means to an end, or just a way to be able to be a poet and survive. But at Columbia and at Harvard so far, I?ve really come to love teaching,? he says. ?It?s a lot of fun. Creative writing classes create an atmosphere where people feel like they can try anything out, and they can experiment, and they won?t get hit for it. I think that the best thing that you can do is create that kind of an atmosphere. And teaching helps me put words to some of the things that I think about poems that I never would?ve allowed myself to think about before.?

Bell is even looking forward to murderous Boston winters, the solitude of which may aid him in his writing.

Sometimes, in New York, when Bell felt like his tiny apartment was trying to strangle him, he?d head to the movies, which doubled as entertainment and an office.

?I love movies, and I tend to have a cinematic conception of the poem anyway,? he says. ?A poem is a really great place for a director who?s not inclined to be a director. As a poet, you?re producing and giving direction and creating this visual feel, and it?s very similar to making movies.?

Bell used to require whole days of nothing on the docket to begin writing. ?My process was getting a little too precious,? he says.

He?d watch some TV, have a meal, get bored, and then start writing. Now that he has an office, he comes in before class, giving himself an hour or two to write. ?I?m writing a lot more. It might be a lot worse though ? I?m not sure yet ? but I?m writing a lot more.?

Maybe it?s that Vince Neil influence. ?I?m trying to be more spontaneous now,? Bell says.

Source: http://news.harvard.edu/gazette/story/2012/10/for-whom-josh-bell-tolls/

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Good Reads: A lesson for democracy, lost and found on Google Earth, and the next Arab uprising

This week's good reads include words of wisdom from Myanmar's Aung San Suu Kyi, using the Internet and applied mathematics to find the long road home, and a profile of Egyptian courage.

By Cricket Fuller,?Staff writer / October 12, 2012

Myanmar opposition leader Aung San Suu Kyi (c.) leaves a branch office of her National League for Democracy party during her visit to Thone Gwa township in Yangon, Myanmar, Thursday, Oct. 11.

Khin Maung Win/AP

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Larry Diamond writes in the Atlantic of the recent 17-day US tour by Myanmar (Burma) pro-democracy leader Aung San Suu Kyi ? the first since her release from house arrest in November 2010.

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Mr. Diamond writes that Ms. Aung San Suu Kyi?s ?moral authority has grown through personal suffering and sacrifice? after decades of house arrest and persecution under the military junta in Myanmar, where a fledging democracy is now beginning to take hold.

But it is Aung San Suu Kyi?s ?spirit of pragmatism and dialogue? that holds a relevant lesson for American politics. As she told her fellow Burmese in the audience during her American tour, ?We must learn to compromise without regarding it as humiliation.?

When Aung San Suu Kyi was asked if she aspires to rule her country, Diamond noted that ?rather than shying away from politics, she embraced it. ?You should think of me as a political party leader. I was a politician before I was a ?democracy icon.? ?

Diamond concludes, ?At a time of rampant cynicism about parties and politicians in the United States, it is invigorating to have a ?democracy icon? remind us that politics can be a noble calling ? and an indispensable means for advancing the public good.?

Commentators have done plenty of hand-wringing over the Internet?s corrosive effects on civil society. But not to be neglected are the triumphs of the digital realm ? and its sometimes life-changing human impacts.

Vanity Fair?s David Kushner found one such story in the incredible saga of Saroo Brierley. As a 5-year-old in India, he was separated from his older brother at a train station, and through a series of dramatic turns, found himself lost among the poor and homeless on the streets of Calcutta. Taken in by an orphanage, he was eventually adopted by Australian parents.

Mr. Brierley adjusted well to his new life, but after graduating from college in 2009, he hit a rough patch: ?After years of ignoring his past, it finally came crashing back ? the desire to find his roots, and himself.?

Enter Google Earth. Brierley used the program?s satellite imagery to search for his home village in India ? whose geographic location and name he did not know. ?All he had was a laptop and some hazy memories, but Saroo was going to try.?

Source: http://rss.csmonitor.com/~r/csmonitor/globalnews/~3/TgfILH2T2o0/Good-Reads-A-lesson-for-democracy-lost-and-found-on-Google-Earth-and-the-next-Arab-uprising

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The endogenous definition of money (business accounting view ...

What?s money? According to Hyman Minsky (emphasis added):

?Modern capitalist economies are intensely financial. Money in these economies is endogenously determined as activity and asset holdings are financed and commitments of prior contracts are fulfilled. In truth, every economic unit can create money ? this property is not restricted to banks. The main problem a ?money creator? faces is getting his money accepted?

Does everybody agree? No. According to a very recent ECB study about international liquidity (emphasis added):

The concept of monetary liquidity attempts to capture the ability of economic agents to settle their transactions using money, an asset the agents cannot create themselves. Money is typically seen as the asset which, first, can be transformed into consumption without incurring transaction costs, and second, has an exchange value that is not subject to uncertainty in nominal terms, rendering it the most liquid asset in the economy. Strictly speaking, these characteristics apply only to currency. The question of which other assets can be defined as money depends on the degree of substitutability between currency and these other assets. In practice, the definition of money in an economy generally includes those other assets which can be easily converted into currency: short-term bank deposits are an obvious example.

Who?s right? According to business accounting: Minsky.

Main stream economists define money as a combination of a

* unit of account (which by the way existed long before currency)
* means of payment
* store of value

Which means that the ?receivables? on the balance sheets of companies are money, too.

An example: company A buys stuff from company B and promises to pay within six weeks (which happens all the time and provides the liquidity which make markets work). According to the law, according to business accounting and, last but not least, according to the the tax man this is a legal and binding transaction ? even if the debt is not settled you will have to pay taxes and you have to add it to your turnover data. The unit of the ?receivable? (might be Euro 15,79 but that?s a unit, too) enters the balance sheet and the profit and loss account (as it?s a store of value) and was used as a means of exchange. It?s money. Temporary money, yes, but that?s money too. So, Minsky is right, according to business economics ? and the fact that transactions create payables (the debt which serves as the collateral of the receivable) means that transactions lead to money creation. Minsky is right and the ECB isn?t, which makes these ECB economists misunderstand the deeply financial nature of our economy. Money is an social act, not a good.

And this is not a measly amount of money. I?ve checked the balance sheets and profit and loss accounts of five large Dutch companies, ?receivables? alone are 90 billions of Euro?s and sometimes over 20% of total sales.

P.S. ? the idea that using money does not involve transaction costs is bonkers. Last time I checked interest on my mortgage was still 4,6%, money which I have to pay as I once needed money to use money to buy a house. And see also this recent ECB study, which estimates that making retail transactions alone cost us about 1% of GDP, not counting transport costs to and from the shops (those are market and not paying transactions costs).
?

Source: http://rwer.wordpress.com/2012/10/21/the-endogenous-definition-of-money-business-accounting-view/

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Barry Manilow to play Broadway in January

FILE - This June 8, 2011 file photo shows musician Barry Manilow poses for a portrait in Los Angeles. The Grammy Award-winning singer of such songs as "Mandy," ''I Write the Songs" and "Looks Like We Made It," will start a 17-performance stand on Jan. 18 at the St. James Theatre. Manilow, who grew up in New York, has graced a Broadway stage before, in the winter of 1976 and the spring of 1989. His new show, called "Manilow on Broadway," has tickets ranging in price from $50 to $350. (AP Photo/Matt Sayles, file)

FILE - This June 8, 2011 file photo shows musician Barry Manilow poses for a portrait in Los Angeles. The Grammy Award-winning singer of such songs as "Mandy," ''I Write the Songs" and "Looks Like We Made It," will start a 17-performance stand on Jan. 18 at the St. James Theatre. Manilow, who grew up in New York, has graced a Broadway stage before, in the winter of 1976 and the spring of 1989. His new show, called "Manilow on Broadway," has tickets ranging in price from $50 to $350. (AP Photo/Matt Sayles, file)

FILE - This June 8, 2011 file photo shows musician Barry Manilow poses for a portrait in Los Angeles. The Grammy Award-winning singer of such songs as "Mandy," ''I Write the Songs" and "Looks Like We Made It," will start a 17-performance stand on Jan. 18 at the St. James Theatre. Manilow, who grew up in New York, has graced a Broadway stage before, in the winter of 1976 and the spring of 1989. His new show, called "Manilow on Broadway," has tickets ranging in price from $50 to $350. (AP Photo/Matt Sayles, file)

NEW YORK (AP) ? Looks like Barry Manilow is making it again ? on Broadway.

The Grammy Award-winning singer of such songs as "Mandy," ''I Write the Songs" and "Looks Like We Made It," will start a 17-show stand on Jan. 18 at the St. James Theatre.

Manilow, who grew up in New York, has graced a Broadway stage before, in the winter of 1976 and the spring of 1989. His new show, called "Manilow on Broadway," has tickets ranging in price from $50 to $350.

The 69-year-old crooner, whose most famous song may be "Copacabana (At the Copa)," had 25 consecutive Top 40 hits on the Billboard Hot 100 between 1975 and 1983.

___

Online: http://ManilowOnBroadway.com

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/4e67281c3f754d0696fbfdee0f3f1469/Article_2012-10-22-Theater-Barry%20Manilow/id-95b606da07f74e868c9ce8b69eed8ab4

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Milky Way's black hole getting ready for snack

ScienceDaily (Oct. 22, 2012) ? Get ready for a fascinating eating experience in the center of our galaxy. The event involves a black hole that may devour much of an approaching cloud of dust and gas known as G2.

A supercomputer simulation prepared by two Lab physicists and a former postdoc suggests that some of G2 will survive, although its surviving mass will be torn apart, leaving it with a different shape and questionable fate.

The findings are the work of computational physicist Peter Anninos and astrophysicist Stephen Murray, both of AX division within the Weapons and Complex Integration Directorate (WCI), along with their former postdoc Chris Fragile, now an associate professor at the College of Charleston in South Carolina, and his student, Julia Wilson.

They came up with six simulations, using the Cosmos++ computer code developed by Anninos and Fragile, which required more than 50,000 computing hours on 3,000 processors on the Palmetto supercomputer at Clemson University in Columbia, S.C.

Previous simulations of the upcoming event had been done in two-dimensions, but the Cosmos++ code includes 3D capability, as well as a unique "moving mesh" enhancement, allowing the simulation to more-efficiently follow the cloud's progression toward the black hole.

The black hole is known as Sgr A*. "Sgr" is the abbreviation for Sagittarius, the constellation near the center of the Milky Way. Most galaxies have a black hole at their center, some thousands of times bigger than this one.

"While this one is 3-to-4 million times as big as our sun, it has been relatively quiet," according to Murray. "It's not getting fed very much." Contrary to their name, black holes can appear very bright. That's because gas orbiting them loses energy via friction, getting hotter and brighter as it spirals inward before falling into the black hole.

The composition of the G2 cloud is still a mystery.

Astronomers originally noticed something in the region in 2002, but the first detailed determinations of its size and orbit came only this year. The dust in the cloud has been measured at about 550 Kelvin, approximately twice as hot as the surface temperature on Earth. The gas, mostly hydrogen, is about 10,000 Kelvin, or almost twice as hot as the surface of the sun.

Its origin is still unknown.

Murray says: "The speculation ranges from it having been an old star that had kind of a burp and lost some of its outer atmosphere, to something that was trying to be a planet and couldn't quite manage it because the environment was too hot."

As the cloud approaches the black hole and begins to fall into what Murray describes as "a gravity well" beginning next September, it will begin to shed energy, causing it to heat to incredibly high temperatures, visible to radio and X-ray telescopes on Earth as well as orbiting satellites such as NASA's Chandra X-ray Observatory.

But it won't be a collision course.

The point at which a stellar object can no longer escape being swallowed by a black hole is known as the Schwarzschild radius, a quantity whose value depends on the black hole's mass, the speed of light and the gravitational constant.

The cloud will actually pass far enough away that it will escape the point of no return by approximately 2,200 Schwarzschild radii, which in this case is about 200 times as far as Earth is from the sun.

But the supercomputer simulations show that the cloud will not survive the encounter.

According to Anninos: "There's too much dynamical friction that it experiences through hydrodynamic instabilities and tidal stretching from the black hole. So a lot of its kinetic energy and angular momentum will be dissipated away and it will just sort of break up into some sort of incoherent structure. Much of it will join the rest of the hot accretion disk around the black hole, or just fall and get captured by the black hole. It will lose a lot of its energy but not all of it. It will become so diffuse that it's unlikely that any remnant of the gas will continue on its orbital track."

The close encounter will take several months. The entire event is predicted to last less than a decade.

The simulation is posted on the Web. It shows the cloud modeled as a simple gas sphere, near the point in its orbit where it was first discovered. As it approaches Sgr A*, a process known as tidal stretching increasingly distorts the cloud. By the end of 2012, the cloud will be nearly five times longer than it is wide.

Along with tidal stretching, the cloud also experiences resistance in the form of ram pressure as it tries to plow through the hot interstellar gas that already fills the space around Sgr A*. The interactions of G2 with this background gas cause further disruptions to the cloud from Rayleigh-Taylor and Kelvin-Helmholtz instabilities. Collectively, these effects act to strip some material from the cloud and feed it into Sgr A*.

An article describing the simulation research will appear in an upcoming issue of the Astrophysical Journal.

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The above story is reprinted from materials provided by DOE/Lawrence Livermore National Laboratory.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.

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Disclaimer: Views expressed in this article do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/~3/AiyPlh_Chfc/121022145447.htm

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Why Paying For Car Insurance is Worth Every Penny ? Billy Roids

By admin on October 21st, 2012 Posted in Auto Insurance

Auto Insurance Hollister CA There are more cars and drivers hitting the road every year. With so many vehicles on the road, crashes will happen. Automobile insurance can be the difference between a small setback and a major hassle. So how do you know what insurance you need and how much to buy? Liability: It pays for damages due to bodily injury and property damage to others for which you are responsible. Bodily injury damages include medical expenses, lost wages and pain and suffering. Property damage includes damaged property and loss of use of property. It also covers your defense and court costs if you are sued. State laws usually mandate minimum amounts, but higher amounts are available and usually recommended. Personal injury protection: This is required in some states and is optional in others. It pays you or your passengers for medical treatment resulting from a crash, regardless of who may have been at fault, and is often called no-fault coverage. It may also cover lost earnings, replacement of services and funeral expenses. The minimum amount of this insurance is typically set by the state. Medical payments: This coverage is available in non-no-fault states; it pays regardless of who may have been at fault. It pays for an insured person?s reasonable and necessary medical and funeral expenses for bodily injury from an accident. Collision: This pays for damage to your car caused by an accident. Comprehensive: Applies if your car is stolen or damaged by causes other than collision, including fire, wind, hail, flood or vandalism. Uninsured motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have liability insurance or by a person who cannot be identified (usually a hit-and-run driver). Under-insured motorist: This pays for damages when an insured person is injured in a crash caused by another person who does not have enough liability insurance to cover the full amount of the damages. Other coverages, like car rental and emergency road service, are also available.Your auto insurance payments vary by company and will depend on several factors, including: * What coverage you select * The make and model of the car you drive * Your driving record * Your age, gender and marital status and * Where you live Some have come to think of auto insurance as a necessary evil, but it can truly rescue your economic health Evaluate your needs, do your research and with the guidance of your insurance agent make the decision that best suits you.

Source: http://billyroids.com/why-paying-for-car-insurance-is-worth-every-penny-16/

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Bajaj Finance sees FDI in retail boosting consumer loans. ? Times of ...

Bajaj Finance sees FDI in retail boosting consumer loans.
Times of India
MUMBAI: Bajaj Finance Ltd expects foreign direct investment in retail to provide a boost to its business of lending for consumer durables according to chairman Sanjiv Bajaj, MD, Bajaj Finserv. The company, which is focused on consumer lending, ...

and more??

Source: http://www.thefinancialherald.com/?p=327223

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Sorry, Readability was unable to parse this page for content.

Source: http://www.rssmicro.com/rss.web?q=IPad

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Will Violence Erupt on Election Day? - Off Grid Survival

Something to Watch Out for on Election Day

From people using Twitter to threaten violence and rioting on election day, to members of the mainstream media actually trying to promote the mayhem, some think this year?s election could cause a wave of violence and rioting throughout America.

Here is just a small sample of the threats that are being made on Twitter:

Is the Government getting Ready for Rioting & Social Unrest?

Over the last 12 months we have documented numerous examples of how the government seems to be preparing for large scale civil unrest. We?ve also covered a number of examples of the military has been training for violence on the streets of America.

• January 26, 2012 ? Special Forces conduct Warfare Training over Downtown Los Angeles.
• April 17, 2012 ? Military drills over downtown Chicago.
• May 9, 2012 ? Department of Defense conducts an urban assault simulation in Miami, Florida. Simulation includes explosions, gunfire and military personnel repelling from helicopters onto the Grand Bay Hotel.
• May 25, 2012 ? Urban Attack Drills Downtown Tampa, Florida. Drill included international troops training on U.S. Soil.
• June 14, 2012 ? Fort Bragg, N.C., Special Operations Command conducts realistic urban training in New Jersey.
• September 7, 2012 ? DHS & FEMA Funding Zombie Drills across the country. What are they really preparing for?
• September 18, 2012 ? DHS, U.S. Military & Law Enforcement officials conduct ?Zombie Drills?.

Mainstream Media Pushes for Violence

It seems some people are hell bent on seeing this violence happen. Even the mainstream media seems to be trying to stoke the flames of violence.

MSNBC Host Loses it on Air?. Threatens Mitt Romney?s Son and challenges him to a fight.

Stoking the Flames?. Main Stream Media calls for Violent Revolutions

Source: http://offgridsurvival.com/electiondayriotsviolence/

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Feds don't do enough to protect your data

By Herb Weisbaum, NBC News contributor

Government agencies collect and store a vast amount of personal information about us. It?s the sort of information ? Social Security numbers, bank account numbers and medical records ? identity thieves use to do their dirty work. So you?d assume everything possible is being done to keep this sensitive information out of the wrong hands. You?d be wrong.?

A recent analysis of data breaches in the government sector by the security firm Rapid7 found ?a steady increase in the number of records exposed? during the last three years.?

From January 1, 2009 to May 31, 2012 there were 268 reported breaches at government agencies that exposed more than 94 million records containing personally identifiable information. The Rapid7 report concludes that these breaches resulted from cyber-attacks, weaknesses in federal information security controls, and not protecting data on portable devices.?

?It?s pretty staggering. I don?t know whether to be surprised or depressed about it,? said Marcus Carey, a Rapid7 security researcher who worked on the report. ?It?s a problem we all should be concerned about.??

Rapid7 analyzed data gathered by the Privacy Rights Clearinghouse (PRC), a non-profit advocacy group in San Diego. Their Chronology of Data Breaches shows two large federal agencies ? Health and Human Services and Veterans Affairs ? have each experienced a high number of breaches.

?Both of those agencies have information that can lead to financial identity theft and medical identity theft,? noted Paul Stephens, PRC?s director of policy and advocacy. ?They?re simply not putting enough resources into beefing up their information technology structure.??

Something has to change
Adam Levin, chairman and cofounder of Credit.com and Identity Theft 911 criticizes state and federal government agencies for being ?extremely careless? with the personal information they collect.?

?An enormous percentage of these breached files happened because of stupidity and negligence,? he told me. ?It wasn?t because some genius hacked into a system. It was people leaving laptops in the back of cars, posting information on the wrong website, sending unencrypted information to the wrong people.??

Levin is frustrated that protocols are not in place to prevent these security lapses.?

?The sad truth is that our own government?s security policies ? or lack thereof ? have put us all at risk,? he wrote in a recent blog. Levin called for firing high-level bureaucrats who fail to improve their computer security safeguards.?

?Depending on the level of negligence, it?s not unreasonable that the bureaucrat should stand trial; if they are convicted of negligence and enabling fraud, they should arguably go to jail,? he wrote.??

A former insider says things are improving
Howard Schmidt is an internationally-recognized security expert. He recently stepped down as the White House Cyber Security Coordinator. Schmidt insists the federal government is serious about protecting the data it collects.?

Schmidt pointed out that the total number of breaches in the U.S. (both private and government) covered by the Rapid7 analysis was 564-million records. The government portion of that 94-million, less than 20 percent.?

?Clearly, too many files have been lost,? he said. ?But we have taken very strong measures to reduce the likelihood of a breach happening and put processes in place so that if a breach does occur we have a way to notify those affected by it.??

Schmidt explained that the Department of Homeland Security now has the responsibility to work with all federal departments and agencies to make sure they have the right level of cyber-security expertise and comply with security programs in place to protect their data.?

Just the tip of the iceberg
There?s little doubt that the amount of personal information reported stolen from government computers does not begin to represent the true extent of the problem.?

?I think it?s a lot worse. The actual compromises are probably way higher than what they are actually reporting,? said Rapid7?s Marcus Carey. ?I don?t think some government agencies even know when they?re breached.??

Carey, who worked as a security analyst at the National Security Agency, told me he worries that the problem will get worse as more data moves to mobile devices. He said information is going onto smart phones and tablet computers, and even though a lot of these devices have countermeasures such as encryption, they?re far from secure.?

?If you can?t control the device, you can?t control the data,? he said.?

The bottom line
Clearly hackers are getting better at breaking and entering into computer systems of all types. But far too many government breaches are cause by careless and negligence.?

Pam Dixon, executive director at the World Privacy Forum, believes an attitude change is required to tackle this growing problem.?

?We have to get to a point where we do not accept negligence or inattention to data breaches in our government,? she said. ?We need people who are really on the ball and take this very seriously.??

More Information: Data Breaches: Know Your Rights?

Herb Weisbaum is The ConsumerMan. Follow him on Facebook or visit The ConsumerMan website.

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Source: http://bottomline.nbcnews.com/_news/2012/10/19/14541857-federal-agencies-dont-do-enough-to-protect-your-data?lite

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