Sunday, December 30, 2012

Twitter wastes time, Facebook makes you fat

Ever since the invention of the wheel in Mesopotamia around 3500 B.C., technological innovation has been improving our lives. Because new devices and processes help us produce more (output) with less (labor input), prices fall, real wages rise and we are all better off.

If there is a free lunch in this world, it's productivity growth.

There is even an economic school of thought, known as real business cycle theory, that views technology shocks as the main driver of the business cycle: not the central bank, not fiscal policy, not animal spirits or expectations.

Technology, in fact, is always equated with good: More is better.

I'm all for progress, but I keep wondering if some of our latest innovations are productivity-enhancing or just a pure waste of time.

Every time I'm in Manhattan, I marvel at the number of people crossing the street or sitting down to lunch with a friend without taking their eyes and fingers off their electronic devices. I can even predict the effect such interconnectivity will have on the individual psyche.

Twenty years from now, researchers will publish studies about how the teenagers of today, addicted as they are to texting abbreviated word forms, have trouble relating to one another. Educators will bemoan the inability of the youth of America to write.

I didn't have to wait 20 years. Sherry Turkle, a professor at Massachusetts Institute of Technology, described this phenomenon perfectly in an April 21 New York Times article titled, "The Flight from Conversation." She called it "alone together."

"We live in a technological universe in which we are always communicating," Turkle, a psychologist, wrote. "And yet we have sacrificed conversation for mere connection."

Social networking is just such an alone-together pursuit. Last year, Bloomberg journalists were encouraged to set up Twitter accounts. I reluctantly complied. I don't have a Facebook page, was never tempted to create one and didn't understand the value of letting friends know that I was eating a peach or walking the dog.

At first I restricted my tweets to my column and blog posts. I never looked at Twitter in between. Then I started interacting with people, and it became contagious, more like a game. Who was retweeting my posts? How many followers did each tweet produce? What was my tweet-to-follower ratio?

My most attention-grabbing tweet was something snarky I wrote on Nov. 14 during L'Affaire Petraeus: "Both Petraeus & Broadwell were married. Yet now she's his 'mistress.' Do we have an equivalent word in English for him?"

I got dozens of suggestions and 50 new followers. But what was the value? It seemed like a huge distraction from my work. If we as a nation are twittering our lives away, surely it must be manifesting itself in the statistics.

I decided to go to the source on labor productivity: the Bureau of Labor Statistics. I asked one of the economists there if he could help me determine how my personal productivity was being affected by tweeting. Once I became an expert, I was sure I could extrapolate the results to the universe at large.

You probably guessed: It's not that easy. In its monthly calculation of output per hour worked, or productivity, the BLS uses revenue as a proxy for output. Total hours worked is used as a proxy for labor input. Productivity is computed from the two numbers.

What about the effect on the quality of my work? If I'm spending more time tweeting and less researching and writing my column, surely the quality suffers.

Goods can be adjusted for quality changes. It's harder with services and is almost impossible for my output. (Readers, however, have no problem providing instantaneous qualitative assessment: It stinks.) The good news is, until my slacking off starts to affect Bloomberg LP's sales, my personal productivity isn't captured in the statistics. The bad news is, I may lose my job.

The difficulty of capturing the Twitter effect in the aggregate data notwithstanding, the productivity-sapping side of social networking doesn't stop there. A recent study by Keith Wilcox, an assistant professor at Columbia Business School, found that Facebook was making people fat. Yes, fat. It seems that social networking improves self-esteem and, in so doing, reduces control over our choice of snacks.

The study said nothing about the effect on productivity. That's a leap I'm taking. To the extent that obesity and its secondary effects require treatment, it means less time devoted to work.

Does that make sense? I think I will share the idea with my Twitter followers and see what they think. Then I'll get back to work.

Source: http://www.startribune.com/opinion/185111461.html

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Are Smartphones Affecting Our Written And Spoken English Skills ...

Are Smartphones Affecting Our Written And Spoken English Skills? by Shakara123(m): 3:11pm On Dec 29In our present society, there seem to be an increased awareness and crave for smart phones by all (infants, youths and adults alike).

These devices no doubt help in easy and fast communication but have we considered the effects they have on our written and spoken communication skills, especially our students??

Today, words are abbreviated in chat platforms to the extent that most students find it difficult to spell some words correctly, place punctuations appropriately, or even differentiate tenses. Examples; I don?t know becomes ?dunno?, okay becomes ?kk?, what is going on becomes ?sup?, don?t becomes ?dnt?, bother becomes ?boda? and the list goes on and on. It is at such moments that I praise some universities that ban the use of smart phones on campus.

Secondly, have we observed that some persons who are able to use these abbreviated words so much and type so fast with their phones during chats find it quite difficult to speak as effectively when physically present before their chat mates?

These are only my thoughts anyway. I will appreciate your comments as well.

Compliments.

5 Likes

Re: Are Smartphones Affecting Our Written And Spoken English Skills? by 2legit2qwt: 3:52pm On Dec 29Yes, we're definitely letting it affect the written aspect of the language. I once had the opportunity to review some applicants cover letter during a job application process and it's pathetic that simple errors such as replacing '4' with 'for' were common.

A lot of people on Nairaland would rather write in 'text' language than the actual language thereby making it difficult to read/understand. Once you start writing that way consistently, you get used to it and it becomes the norm for you.

I can understand the need for 'text' words based on the number of characters you're restricted to in SMS

I'd rather read a sentence constructed in broken/pidgin English than in 'text' language outside of actual mobile texting, it does my head in

14 Likes

This post has been hiddenRe: Are Smartphones Affecting Our Written And Spoken English Skills? by Clefcentfelix: 3:53pm On Dec 29

it depends on the individual

This post has been hiddenRe: Are Smartphones Affecting Our Written And Spoken English Skills? by Chuckeey (m): 3:54pm On Dec 29

really affecting us badly

1 Like

This post has been hiddenThis post has been hiddenRe: Are Smartphones Affecting Our Written And Spoken English Skills? by vanstanzy(m): 3:56pm On Dec 29Re: Are Smartphones Affecting Our Written And Spoken English Skills? by Cori_corde(f): 3:56pm On Dec 29

Exactly. I don't remember reading a text with the words written in full. Eveybody talks lyk dis noe. What is this nonsense?

Re: Are Smartphones Affecting Our Written And Spoken English Skills? by messiah(m): 3:56pm On Dec 29

"you're" becomes "your"

Re: Are Smartphones Affecting Our Written And Spoken English Skills? by Sunymoore(m): 3:58pm On Dec 29

Quite tru cox i rembrd whn i was wrtng englsh dis yea, instd of schools i wrote .skulls. Its truli quite unfotunt. But as frm nw, i will tri as much as i can to wrte a complt wrd even in a forum o chat rum.

7 Likes

Re: Are Smartphones Affecting Our Written And Spoken English Skills? by kunletiwoo(m): 3:58pm On Dec 29
Clefcentfelix: it depends on the individual

seconded! Re: Are Smartphones Affecting Our Written And Spoken English Skills? by afam4eva(m): 4:00pm On Dec 29

God punish spoken English. How about spoken Igbo and Yoruba. Why's no one worried about them?

11 Likes

Re: Are Smartphones Affecting Our Written And Spoken English Skills? by egift(m): 4:01pm On Dec 29I will not say badly. If the user is lazy it will help him more. But if the person really cares for the quality of spoken and written words, phones and PCs could be really helpful.

For me the use of computer makes me spell words correctly, even the ones I can not easily put together (I just keep right-clicking till it suggest the right spelling).

1 Like

This post has been hiddenRe: Are Smartphones Affecting Our Written And Spoken English Skills? by Yomieluv(m): 4:02pm On Dec 29

I dnt knw of som1 else,but its not affectin me at all,dats y I wrote dis in gud english

1 Like

Re: Are Smartphones Affecting Our Written And Spoken English Skills? by caesaraba(m): 4:04pm On Dec 29It does. But I wouldn't say smartphones only. I'd say social media and all its shorthand has really reduced the quality of written English we see (among youths) these days.

E.g, A lot of people now replace the letter 's' with 'x' when they spell words.

There are many more examples but the crux of the matter is that social media has really affected the quality of written English among youths. Go through the comments on NL and see for yourself.

2 Likes

Re: Are Smartphones Affecting Our Written And Spoken English Skills? by Goldenheart(m): 4:05pm On Dec 29

place reserved.

Re: Are Smartphones Affecting Our Written And Spoken English Skills? by Shaw007(m): 4:05pm On Dec 29I thinK it actuaLLy depends On the individuaL. . .if ur(you're) someone who cannot pLace a distinctIOn on ur(your) "chat/texting" Life and the normaL,formaL Life u'LL(you will) reaLLY find it hard

and one other thing is the consciousness,most fOLks when writing tend to forget they are not messaging their friends or updating some status But writing a note ,an exam,or maybe an application. . .most ppl(people) can actually write normally,but when this behaviour starts to eat deep,i'm afraid the person is Lost

and of course on occasions,he intentionally tries to break that jinx

yes,it definitelY affects the writing aspect,but i dnt(don't) think it affects anyone speaking. . .at Least to my knowledge

1 Like

Re: Are Smartphones Affecting Our Written And Spoken English Skills? by Koolking(m): 4:06pm On Dec 29

It irritates me, in fact, I don't even waste my resource (time) reading short-worded comments and documents. What stops people from typing words the way they were taught, even when they have enough space to accommodate what they have to pass across to their listeners/readers. Personally, I see people who form such habits as unintelligent, docile and boring. It has nothing to do with Smart phones.

1 Like

Re: Are Smartphones Affecting Our Written And Spoken English Skills? by ebucha: 4:06pm On Dec 29

Queens English does not improve the economy of a nation, ask the Chinese prime minister (fastest growin economy), Germans or maybe Japanese. The English currency and Economy overtook ours years back cos they made us slave to their language. Gramma good oh,but e no go giv us light,water and road. SEEK FOR DEVELOPMENTAL KNOWLEDGE!!

2 Likes

Re: Are Smartphones Affecting Our Written And Spoken English Skills? by ebucha: 4:09pm On Dec 29
Chuckeey :
really affecting us badly
how? Ok, it increased the price of fuel and damaged our roads.Re: Are Smartphones Affecting Our Written And Spoken English Skills? by Troll: 4:10pm On Dec 29@OP Is English My Language Or Are You A Learner!?

...Typing From My Nokia 3310 With GPS, 3G, WIFI & Bluetooth

1 Like

Re: Are Smartphones Affecting Our Written And Spoken English Skills? by Blackteeth(m): 4:10pm On Dec 29

I dont know. But ever since I started texting and chatting, I always write in full like its official. My friends I chat with always ask me why I write in full letters and I tell them its because I dont want to get used to those shorthand styles. Maybe its paying off for me.

5 Likes

Re: Are Smartphones Affecting Our Written And Spoken English Skills? by Sunymoore(m): 4:12pm On Dec 29

For those of u who have nt see the text under ''dis has affect us badly'' because its hidden, the text is
Re: Are Smartphones Affecting Our
Written And Spoken English Skills?
by Clefcentfelix: 3:55pm
first to comment. placeholladele:
reserved
u're high on rice n stew.
(Quote) (Report) (Like)
Re: Are Smartphones Affecting Our
Written And Spoken English Skills?
by Clefcentfelix: 3:55pm
holladele: first to comment. place
reserved
first?

Re: Are Smartphones Affecting Our Written And Spoken English Skills? by Richfella(m): 4:12pm On Dec 29

Some posts here, written in text-speak, make me want to hit my head on the wall. Yikes!

1 Like

Re: Are Smartphones Affecting Our Written And Spoken English Skills? by A-ZeD(m): 4:13pm On Dec 29

You don't blame smart phones for the laziness of humans. No smart phone/phone comes with "text speak".

2 Likes

Re: Are Smartphones Affecting Our Written And Spoken English Skills? by A-ZeD(m): 4:16pm On Dec 29
Richfella: Some posts here, written in text-speak, make me want to hit my head on the wall. Yikes!
Its truly annoying when adults resort to writing "text speak" on a public forum. I can tolerate bad grammar but "text speak" just makes me write you off as un intelligent and not worth responding to.

1 Like

Re: Are Smartphones Affecting Our Written And Spoken English Skills? by Prodigee(m): 4:18pm On Dec 29

@OP: Welcome to the jet age...no time for time.

1 Like

Re: Are Smartphones Affecting Our Written And Spoken English Skills? by omodapson(m): 4:19pm On Dec 29

I would have to support this assertion. We now have a new form of written language, (no language is exempted) which is destructive to the way we communicate. Before long, abnormalities may become the norm and we may not have answers to right the wrong.

Re: Are Smartphones Affecting Our Written And Spoken English Skills? by bara pistis(m): 4:23pm On Dec 29

the thing they affect person die....
me don go back to school lol, as i don forget the spelling of most common words

Source: http://www.nairaland.com/1145632/smartphones-affecting-written-spoken-english

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Video: 'Most violent giraffe fight ever filmed' for Discovery's 'Africa'

Giraffes aren't always Mr. Nice Guys.

In fact, as narrator Forest Whitaker points out in "Africa," the Discovery Channel's upcoming natural history series, "Most of the time they're gentle vegetarians, but to protect precious territory they will fight."

Filmmakers miraculously captured a vicious battle between two of the giant creatures -- described by Discovery as "the most violent giraffe fight ever filmed" -- striking fierce blows with their 6 feet long, 500-pound necks.

The scene isn't as distressing as most savage nature films, however. Rather, it evokes a classic spaghetti-western showdown, with a dusty setting and a score to match.

"A young gun sidles into town looking to stake his claim," explains Whitaker. "The first blow should settle it. Not today."

We'll have to wait for the "Africa" premiere -- Tuesday, Jan. 8 at 10 p.m. on the Discovery Channel -- to find out who prevails.

Photo/Video credit: Discovery Channel

Source: http://feedproxy.google.com/~r/zap2it/news/~3/mP90i7Q5DMw/video-most-violent-giraffe-fight-ever-filmed-for-discoverys-africa.html

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Saturday, December 29, 2012

Daily Deals Future & Possibilities for 2013 - Work On the Internet

Year 2012 brought numerous changes in the daily deals market. Groupon, still a dominating name in the market, witnessed some accounting hassles; various new daily deals platforms came and various tectonic shifts were also noticed. So, the concluding year was a kind o mixed bag for daily deals market. Lessons learnt from the past will certainly shape the daily deals future & possibilities for 2013. So, let get to know what the year might bring, betting on ideas that have gained popularity;


Paper will be pass?, plastic & mobile will become popular

Paper vouchers will become a thing of the past; card-linked offers will gain popularity. Mobile-based redemption models like Passbook and Google Wallet are rapidly gaining acceptance and no one would be surprised if usage of paper vouchers would entirely disappear within the next four-five years. Smart phones usage has skyrocketed and mobile based redemption platforms are betting money on the fact that the trend will not reverse. There are strong reasons to believe the same with Apple and Samsung selling like hotcakes.

Uniqueness will still prosper

The glitter that Groupon carried at the very beginning has long faded away. Having tie-ups with some local merchants and handful of deals on a website doesn?t work any longer. Upcoming Groupon clone websites realize this and thus come with a unique business pitch. Groupon itself has started treading a different road with Groupon Goods and Getaways. In the same way, there are secret deals for big brands, adventure deals and gender specific deals. So, the upcoming year will also bring similar experiments from the daily deals aspirants.

More will disappear

The glitter might have diminished but the dollar glow that surrounds the deals business has not faded yet. Entrepreneurs are still hopeful that they can make a place in the deals market and to a certain extent they are right to believe in the potential of a smart Groupon clone. However, not everyone will be able to sustain in the market for long run. Hence, the news will keep coming about one or the other daily deals player leaving the market.

Deals will be married with advertising

Quite recently, daily deals market has also garnered interest from advertisers to introduce new products and get rid of excess inventory. Physical display advertising asks for a lot of monetary investment; even digital one doesn?t come cheap. In such a scenario, if a web user can be lured into to take notice of something good in the form of daily deal, it can be win-win scenario for advertisers. Modern daily deal software offer scope for the same if one is open to experimentation and new ideas.

Growing popularity of dynamic pricing

Dynamic pricing was limited to airline sector but has now started showing signs of emergence in retail too. Amazon is a fine example for it. The concept has potential to garner interest from a deals platform owner and finding its way in the daily deals aggregator script but it is still to be found how buyers will receive it. So, these are the points that may thread the web for ?daily deals ideas? related searches in the year 2013.

bitFATdeals is a dynamic daily deals Script that comes with rich deals, merchant, admin and CMS features. Developed by FATbit Technologies, the script is on offer with custom design, 5 revisions and 1-Year technical support.
Content Source:http://iblog.at/fatbit/2012/12/20/daily-deals-future-possibilities-for-2013/

Article Tags : daily deals aggregator script, daily deal software, Groupon clone, Groupon clone websites

Source: http://www.workoninternet.com/business/reviews/computers-internet/software-services/222056-daily-deals-future-a-possibilities-for-2013.html

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Obama criticizes Congress; senators take over negotiations (Washington Bureau)

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

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/273674094?client_source=feed&format=rss

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Program helps veterans reintegrate through music

MONTCLAIR, N.J. (AP) ? During stressful times as a combat medic in Afghanistan, Mason Sullivan found solace in Vivaldi. New Jersey native Nairobi Cruz was comforted by country music, a genre she had never heard before joining the Army. For Jose Mercedes, it was an eclectic iPod mix that helped him cope with losing an arm during a tour of duty in Iraq.

These three young veterans all say music played a crucial role in alleviating the stresses of active duty. Now, all three are enrolled in a program that hopes to use music to ease their reintegration into civilian life.

"It's a therapy session without the 'sit down, lay down, and write notes,'" Mercedes, 26, of Union City, said of the music program. "It's different ? it's an alternative that's way better."

The pilot program, called Voices of Valor, has veterans work as a group to synthesize their experiences into musical lyrics. Guided by musicians and a psychology mentor, they write and record a song, and then hold a CD release party. The program is currently under way at Montclair State University, where students participate through the school's veteran affairs program.

Developed by husband and wife team Rena Fruchter and Brian Dallow, it is open to veterans of any age and background. No musical experience is required.

Both accomplished musicians, Fruchter and Dallow created the program as part of Music for All Seasons, an organization they founded which runs musical programs for audiences at places ranging from nursing homes to prisons.

Based on their experiences working with children at shelters for victims of domestic violence, Fruchter and Dallow realized that young people too traumatized to talk about what they had been through were nevertheless willing to bang on an instrument or sing ? often leading to communication breakthroughs. They felt the same might be true for veterans, or other populations traditionally averse to more overt forms of 'talk therapy.'

"We've had situations in which veterans have been carrying their burdens deep inside for such a long time, and they come into this group and they begin to talk about things that they've never talked about before," Fruchter said. "They really open up, and it translates into some music that is really amazing and incredible and powerful."

During a recent session of the eight-week program in Montclair, music facilitators Jennifer Lampert, a former Miss USO, and Julio Fernandez, a musician and member of the band Spyro Gyra, lead a small group of young veterans in brainstorming about their experiences.

"Tired of being angry," ''Easier not to move on," ''The war at home," were phrases Lampert extracted from a discussion among the participants and she wrote each phrase in marker on large notepads fastened to a classroom blackboard. As they spoke, Fernandez strummed an acoustic guitar while Lampert sang some of the phrases the students had come up with, adjusting the beat and tempo at their suggestion. Suddenly, a musical lyric emerged: "Sometimes, I wish the past is where I stayed."

A few weeks later, the group gathered at a sound studio in Union City, where they donned headphones and clearly relished the opportunity to record their collectively written tune, "Freedom," in a professional studio.

"To see music heal people in that way, it's beautiful, and the real incredible part is you don't have to do anything but give in to the music," Lampert said. She recounted how, time and again, the facilitators of the program had watched some participants start the class with shoulders slumped, hesitant to make eye contact, and afraid to speak up. Through the process of writing music they changed, she said, into group-focused, smiling, active participants unafraid to stand up and belt out a tune.

7/87/8_____

Follow Samantha Henry at http://www.twitter.com/SamanthaHenry

Source: http://news.yahoo.com/program-helps-veterans-reintegrate-music-073321714.html

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Friday, December 28, 2012

Slate?s 2012 Longreads

 “The Wedding: Will and Erwynn met at church and fell in love. But they had a big problem—‘don’t ask, don’t tell.’ The unlikely story of the first gay military union,” by Katherine Goldstein. ??The Wedding: Will and Erwynn met at church and fell in love. But they had a big problem??don?t ask, don?t tell.? The unlikely story of the first gay military union,? by Katherine Goldstein.

Photo by Jeff Sheng.

We?ve gathered the best of Slate?s 2012 longreads below, on everything from the crisis in American walking to the rise and fall of Prog rock. Perfect for long flights and traffic-clogged car rides!

?Where?s _why? What happened when one of the world?s most unusual, and beloved, computer programmers disappeared,? by Annie Lowrey. As Lowrey challenges herself to learn computer programming, she stumbles onto the case of a ?Ruby on Rails,? a coding whiz who mysteriously vanished in 2009.

?The Chickens and the Bulls: The rise and incredible fall of a vicious extortion ring that preyed on prominent gay men in the 1960s,? by William McGowan. When the FBI and the NYPD uncovered a network of blackmailers shaking down gay targets in 1965, they did something unexpected. Rather than shrugging, or arresting the victims, they worked their way into the ring and broke it open, using, for the first time, the resources of law enforcement to defend the rights of persecuted gay men.

?The Crisis in American Walking: How we got off the pedestrian path,? by Tom Vanderbilt. What strolls on four legs in the morning, two legs at noon, and three legs in the evening? Not man, anymore, says Vanderbilt, digging into the strange and unsettling decline of on-foot ambulation in the United States. His four-part series explores reasons for the drop-off, pedestrian walking habits, urban ?walkability? scores, and strategies for getting America back to bipedalism.

?The Wedding: Will and Erwynn met at church and fell in love. But they had a big problem??don?t ask, don?t tell.? The unlikely story of the first gay military union,? by Katherine Goldstein. Goldstein follows two men in the armed forces down the winding road to marriage, just nine months after the repeal of the ban on openly gay soldiers.

?Georgia?s Hunger Games: Fewer than 4,000 adults in the southern state receive welfare, even as poverty is soaring. How Georgia declared war on its poorest citizens?leaving them to fight for themselves,? by Neil deMause. Rising poverty rates, plunging welfare rolls, and a state government that sees financial aid as a gladiatorial contest: The dystopian reality in Georgia could have risen from the pages of a Suzanne Collins novel. Combining grim statistics and face-to-face conversations with poor Americans, deMause argues for a policy overhaul. ?

?The Conversion: How, when, and why Mitt Romney changed his mind on abortion,? by William Saletan. Saletan follows the candidate?s fluctuating attitude on abortion from pro-choice to pro-life?and explains the significance of the shift.

?Prog Spring: The brief rise and inevitable fall of the world?s most hated pop music,? by David Weigel. Weigel explores the overstuffed, visionary madness of progressive (?prog?) rock.

?How To Measure for a President,? by John Dickerson. What does it take to be an effective commander (and everything else)-in-chief? Dickerson proposes a checklist of traits?note the absence of leadership?we should look for whenever we evaluate candidates for the highest office in the land.

?The Case of the Mormon Historian: What happened when Michael Quinn challenged the history of the church he loved,? by David Haglund. Faith and intellectual inquiry don?t always go hand-in-hand, especially when that (Mormon) hand wants to chronicle the ?problem areas? of the LDS past. In his study of historian Michael Quinn, Haglund paints a moving portrait of a man torn between loyalty to his church and hunger for the truth. ??

?Free To Be: Forty years ago this fall, a bunch of feminists released an album. They wanted to change ? everything,? by Dan Kois. In 1972, one record revolutionized the way a generation of kids?and their parents?thought about gender. Interlacing the history of Free To Be You and Me with anecdotes from his own life as a father, Kois explains why the oddball hippie album still matters in 2012.

Source: http://feeds.slate.com/click.phdo?i=bdbc397155b7e1317b6fe4409d2580c1

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100% LTV Refinance Options - Zillow Mortgage Advice

Hello,

I know similar topics have come on on the forums, but I wanted to lay out my specific situation in order to get some?guidance. ?I currently have an FHA mortgage started in August of 2009 that has a remaining balance roughly $234,000 at 5.25%. Wife and I have good credit with scores that are 760+. ?I had looked into an FHA Streamline refinance a few weeks back that would have been at a rate of 3.625% with the majority of closing costs covered. ?The only issue is as you all know the MIP rates have increased so even at the reduced interest rate the monthly savings was minimal at about $150 as the MIP went from about $105 per month to about $250.

Ultimately at that time I had decided to pursue a conventional refinance through our credit union as my?initial?loan application was?approved. ?Savings would be upwards of $300/month based on the circumstance. ?Fast forward a couple weeks and the appraisal came back at $240,000 which is significantly lower than expected. Credit union has a max LTV of 95% which isn't going to fly as we were hoping to roll a portion of the closing cost into the new loan.

The bottom line question is are there any options for a conventional refinance with a 100% LTV or should we just settle for the Streamline FHA refinance to reduce the interest rate now and see where things go in the future? ?Any insight is appreciated. Thank you.

Source: http://www.zillow.com/advice-thread/100-LTV-Refinance-Options/472256/

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PFT: Bears' Melton expects 'dirty' game vs. Lions

San Francisco 49ers v Seattle SeahawksGetty Images

Seattle Seahawks cornerback Richard Sherman continues to wait for the ruling on his appeal of a four-game suspension for a violation of the league?s performance-enhancing drug policy.

It?s been over a month since it was first reported that Sherman and teammate Brandon Browner were facing suspensions for testing positive for a banned substance. Browner dropped his appeal and will be eligible to return for the playoffs, but Sherman has continued to fight his positive test.

Even if the decision (expected on Thursday) goes against Sherman and he is suspended by the league, he plans on continuing his fight. Sherman said Wednesday that he will continue to explore other legal options and could ultimately end up suing the league.

?I can?t get back playing regardless. I can just sue the league, and that?s probably what I?m going to do if they suspend me,?? Sherman said.

Adam Schefter of ESPN has reported that Sherman?s appeal was based around a supposed break in procedure in the collection process. The cup used to collect Sherman?s urine sample was apparently broken, requiring a second cup to be placed underneath to prevent leakage. The seal on the second cup was also broken.

Sherman tweeted on Christmas some more thoughts on the basis of his appeal to the league.

?Hoping we play in a just League @nfl. Not a league that allows a tester to mix urine samples. A tester with a history of errors. Has has had to have 6 other tests thrown out and he has only been testing 6months,? he tweeted.

Sherman was also asked Wednesday about his thoughts on how the appeal has played out to this point.

?It?s been pretty standard other than the league telling you they can break rules,? Sherman said. ?They don?t care if you took it or you didn?t take it, if the sample is tainted or it isn?t tainted, they said it doesn?t matter. The collective bargaining, there?s policies, there?s rules in the policies that they said should not apply to them and they wrote them. That?s just how the league does things.?

With the track record of PED suspensions being overturned, it appears likely that Sherman will be suspended on Thursday. While he won?t have a recourse to get the four games back, Sherman appears adamant in continuing this fight in whatever fashion he has to.

If he?s suspended, Seattle could get Sherman back in time for the Super Bowl if they play in the first round of the playoffs. If they manage to backdoor into the No. 2 seed and a first-round bye with San Francisco and Green Bay losses this weekend, Sherman?s season would be over.

Source: http://profootballtalk.nbcsports.com/2012/12/26/henry-melton-expects-dirty-play-from-lions/related/

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Thursday, December 27, 2012

Private picture of Mark Zuckerberg's family leaked

FILE - In this Oct. 4, 2011 file photo, Randi Zuckerberg, former marketing director of Facebook and founder of RtoZ Media, speaks at the Executive Marketing Summit in New York. A picture Zuckerberg posted on her personal Facebook profile was seen by a marketing director, who then posted the picture to Twitter and her more than 40,000 followers on Wednesday, Dec. 26, 2012. Zuckerberg is the sister of Facebook CEO Mark Zuckerberg. (AP Photo/Mark Lennihan, File)

FILE - In this Oct. 4, 2011 file photo, Randi Zuckerberg, former marketing director of Facebook and founder of RtoZ Media, speaks at the Executive Marketing Summit in New York. A picture Zuckerberg posted on her personal Facebook profile was seen by a marketing director, who then posted the picture to Twitter and her more than 40,000 followers on Wednesday, Dec. 26, 2012. Zuckerberg is the sister of Facebook CEO Mark Zuckerberg. (AP Photo/Mark Lennihan, File)

(AP) ? Even Mark Zuckerberg's family can get tripped up by Facebook's privacy settings.

A picture that Zuckerberg's sister posted on her personal Facebook profile was seen by a marketing director, who then posted the picture to Twitter and her more than 40,000 followers Wednesday.

That didn't sit well with Zuckerberg's sister, Randi, who tweeted at Callie Schweitzer that the picture was meant for friends only and that posting the private picture on Twitter was "way uncool." Schweitzer replied by saying the picture popped up on her Facebook news feed.

The picture shows four people standing around a kitchen staring at their phones with their mouths open while Mark Zuckerberg is in the background.

Randi Zuckerberg, who used to run Facebook's marketing department and now produces a reality television show, eventually said Schweitzer was able to see the picture because they had a mutual friend. Those tweets have since been taken down.

Schweitzer declined to comment when reached by The Associated Press. Randi Zuckerberg didn't reply to a message via Twitter seeking comment.

Randi Zuckerberg used the dustup to write about online sharing etiquette.

"Digital etiquette: always ask permission before posting a friend's photo publicly. It's not about privacy settings, it's about human decency," she posted on Twitter.

But Randi Zuckerberg's comments sparked sharp reactions from people who thought the issue wasn't about etiquette, but rather Facebook's often changing and often confusing privacy settings.

"The thing that bugged me about Randi Zuckerberg's response is that she used her name as a bludgeoning device. Not everyone has that. She used her position to get it taken it down," said Eva Galperin of the Electronic Frontier Foundation, a privacy advocacy group in San Francisco.

While Facebook has made improvements in explaining the social network's privacy settings, Galperin said they remain confusing to most people. She added that with people using Facebook as part of their everyday lives, the consequences of fumbling privacy settings can become serious.

"Even Randi Zuckerberg can get it wrong. That's an illustration of how confusing they can be," she said.

The Menlo Park, Calif., company recently announced it is changing its privacy settings with the aim of making it easier for users to navigate them.

The fine-tuning will include several revisions that will start rolling out to Facebook's more than 1 billion users during the next few weeks and continue into early next year.

The most visible change ? and perhaps the most appreciated ? will be a new "privacy shortcuts" section that appears as a tiny lock at the top right of people's news feeds. This feature offers a drop-down box where users can get answers to common questions such as "Who can see my stuff?"

But Galperin said Wednesday's incident also illustrates a general concern about Internet privacy. Essentially, she said, if you share information or a photo with your social network, people in your network have the ability to share that with whomever else they choose.

The mobile photo-sharing service Instagram, which is owned by Facebook Inc., had to answer to backlash to privacy concerns recently when new terms of service suggested user photos could be used in advertisements. The company later said it would remove the questionable language.

___

Manuel Valdes can be reached at http://twitter.com/ByManuelValdes .

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2012-12-27-Zuckerberg-Sister's%20Photo/id-ab1a182018354a2c84aa1be10c36985d

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Frustration regarding Cataract Surgery and other Health Issues ...

My name is Lorelei and I am 51 years old..

I have a cataract in my right eye which has completely blinded me..
I have no vision and can only see grey shadows from right eye.
I have been scheduled for cataract surgery 4 times now and I
have been postponed by anestisiologist on every occasion!
I have been told that because of my health history.. I had a heart attack
6 years ago and my potassium levels were at 6.0 most recently but have
since come down to 5.!!

I am under a Doctor's care, I have a general practice Doctor that I have been
seeing once a week.. I have been given various medications and I feel I
am doing everything I need to be doing.
Due to lack of vision/ vision impairment I have fallen twice over the last 2 months..
the last fall fracturing my right wrist!
I also have a small cataract in my left eye and I am so afraid it is getting worse..
I have passed pre-op clearance 2 weeks ago and still anestisiologist wont
do the surgery..
Dont understand.. My eyesight is not a want.. it's a need!!
The last time my surgery was scheduled I was hooked up to I.V
and at the last moment the anestisiologist once again said he did not
feel comfortable doing surgery and would not do it for me once again!

For the record.. I am dealing with a hospital here in Chicago ranked 15th
in the nation.. not that that matters because it does'nt..
The opthamalogist keeps telling me he wants to help me..
Really?? Because absolutely nothing is being done to help me!

So.. I am saddended and disgusted by all of this, scared I will hurt
myself again..
Someone in my family tells me I need to jump all the hoops the
Doctors want me to go through..
Ridiculous Statement.. I am blind in 1 eye!
And.. now I am told I need Cardiac Clearance before any surgery..
Everything I have researched on-line tells me this is a low risk surgery..
Doctor said it would take 30 minutes!
I need this so desperately..
Any advice would be most appreciated..
Thank You,
Lorelei

Source: http://www.medhelp.org/posts/Eye-Care/Frustration-regarding-Cataract-Surgery-and-other-Health-Issues/show/1867436

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Understand the Acoustic Reflex Hearing Test

A hearing test can provide a great deal of information to your doctor about the overall condition of your ear. Though many people don?t realize it, the ears are prone to damage over time. Even if you?ve never worked in a noisy environment or been exposed to loud sounds on a regular basis, it is quite common to develop some limitations of the ability to hear just from aging. Yet, there is help available. It is a good idea for individuals to have a thorough screening of their ability to hear by the time they are 60 years old, and often before that. It provides important information to you about the overall condition of your inner ear.

The Acoustic Reflex Testing

One of the types of screenings your doctor will recommend is an acoustic reflex hearing test. This type of screening is an important step in determining what type of loss you may have. Generally, this method is able to pinpoint the area of the problem. Every person?s reflex to acoustic sounds is different, but everyone has one. When the tiny muscle that is located in the area of the middle ear contracts, or flexes, it is an indication that the ear is picking up a loud sound. Your doctor needs to know what loudness level is necessary for your acoustic reflex to occur.

Why Is This Important?

There are many reasons to conduct such a test. However, it is often done as a way to simply understand what you can hear and what you cannot. For example, in a healthy ear, the flex of this muscle will happen at a much sooner timeframe than it will for someone who has significant damage to the eardrum. As a result, you may not react to some types of loud sounds until the sound is much louder than what is considered a healthy level. That pinpoints the damage in the eardrum for the doctor.

What Happens Next?

After having this hearing test, your doctor will be able to tell you if it is possible to see improvement in your ability to hear by using an assisted hearing device. Many people will benefit from these devices that fit inside the ear canal. The device works to make sounds louder for you so that you can hear them better.

Take into consideration what symptoms you have today. If you think that you may have any type of loss in the ability to hear, discuss the condition with your doctor. Have a hearing test like this one to pinpoint any circumstances in which you could be at risk for developing a complication.

Know what to expect when you go in for a Santa Barbara, CA, hearing test? The acoustic reflex test is just one of the types of screening you will receive when you visit your doctor. Find out more by visiting: http://www.miracle-ear-santabarbara.com.

Source: http://www.articlesrx.com/understand-the-acoustic-reflex-hearing-test/10058

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South Africa: Mandela in good spirits in hospital

JOHANNESBURG (AP) ? South Africa's presidency says former leader Nelson Mandela, who has been in a hospital since Dec. 8, is looking better and in good spirits.

Presidential spokesman Mac Maharaj said Wednesday that 94-year-old Mandela's condition "remains as it was yesterday."

President Jacob Zuma had joined Mandela's wife, Graca Machel, and other family members in wishing a Merry Christmas to Mandela at his hospital bedside in Pretoria, the South African capital.

Mandela, a leader of the anti-apartheid movement, was diagnosed with a lung infection and also had a procedure to remove gallstones. Officials have said Mandela is improving, but note doctors are taking extraordinary care because of his age.

Source: http://news.yahoo.com/south-africa-mandela-good-spirits-hospital-120756525.html

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Delays litter long road to vehicle rearview rules

In this Saturday, Dec. 22, 2012 photo, Judy Neiman holds a photo of her daugher, Sydnee, in front of her 2006 Cadillac Escalade at her home in West Richland, Wash. Sydnee died in late 2011 after Neiman accidentally backed over her with the SUV. Although there is a law in place that calls for new manufacturing requirements to improve the visibility behind passenger vehicles, the standards have yet to be mandated because of delays by the U.S. Department of Transportation. (AP Photo/Kai-Huei Yau)

In this Saturday, Dec. 22, 2012 photo, Judy Neiman holds a photo of her daugher, Sydnee, in front of her 2006 Cadillac Escalade at her home in West Richland, Wash. Sydnee died in late 2011 after Neiman accidentally backed over her with the SUV. Although there is a law in place that calls for new manufacturing requirements to improve the visibility behind passenger vehicles, the standards have yet to be mandated because of delays by the U.S. Department of Transportation. (AP Photo/Kai-Huei Yau)

In this Saturday, Dec. 22, 2012 photo, Paul and Judy Neiman hold a photo of their daughter, Sydnee, in her bedroom at their home in West Richland, Wash. Sydnee died in late 2011 after Judy accidentally backed over her with her SUV. Although there is a law in place that calls for new manufacturing requirements to improve the visibility behind passenger vehicles, the standards have yet to be mandated because of delays by the U.S. Department of Transportation. (AP Photo/Kai-Huei Yau)

In this Saturday, Dec. 22, 2012 photo, Judy Neiman holds a photo of her daugher, Sydnee, in front of her 2006 Cadillac Escalade at her home in West Richland, Wash. Sydnee died in late 2011 after Neiman accidentally backed over her with the SUV. Although there is a law in place that calls for new manufacturing requirements to improve the visibility behind passenger vehicles, the standards have yet to be mandated because of delays by the U.S. Department of Transportation. (AP Photo/Kai-Huei Yau)

FILE - In this Tuesday, Feb. 8, 2011 file photo, Transportation Secretary Ray LaHood speaks about the Toyota recalls at the Transportation Department in Washington. A 2008 law calls for new manufacturing requirements to improve the visibility behind passenger vehicles to help prevent fatal backing crashes, which the government estimates kill some 228 people every year _ 110 of them children age 10 and under - and injures another 17,000. But almost five years later, the standards have yet to be mandated because of delays by the U.S. Department of Transportation, which faced a Feb. 28, 2011, deadline to issue the new guidelines for car manufacturers. LaHood has pushed back that deadline three times - promising in February that the rules would be issued by year?s end. (AP Photo/Alex Brandon)

In this Saturday, Dec. 22, 2012 photo, Judy and Paul Neiman pose for a photo as she holds a photo of their daughter, Sydnee, next to a garden dedicated to her in West Richland, Wash. Sydnee died in late 2011 after Judy accidentally backed over her with her SUV. Although there is a law in place that calls for new manufacturing requirements to improve the visibility behind passenger vehicles, the standards have yet to be mandated because of delays by the U.S. Department of Transportation. (AP Photo/Kai-Huei Yau)

(AP) ? In the private hell of a mother's grief, the sounds come back to Judy Neiman. The SUV door slamming. The slight bump as she backed up in the bank parking lot. The emergency room doctor's sobs as he said her 9-year-old daughter Sydnee, who previously had survived four open heart surgeries, would not make it this time.

Her own cries of: How could I have missed seeing her?

The 53-year-old woman has sentenced herself to go on living in the awful stillness of her West Richland, Wash., home, where she makes a plea for what she wants since she can't have Sydnee back: More steps taken by the government and automakers to help prevent parents from accidentally killing their children, as she did a year ago this month.

"They have to do something, because I've read about it happening to other people. I read about it and I said, 'I would die if it happens to me,'" Neiman says. "Then it did happen to me."

There is, in fact, a law in place that calls for new manufacturing requirements to improve the visibility behind passenger vehicles to help prevent such fatal backing crashes, which the government estimates kill some 228 people every year ? 110 of them children age 10 and under ? and injures another 17,000.

Congress passed the measure with strong bipartisan backing, and Republican President George W. Bush signed it in 2008.

But almost five years later, the standards have yet to be mandated because of delays by the U.S. Department of Transportation, which faced a Feb. 28, 2011, deadline to issue the new guidelines for car manufacturers. Transportation Secretary Ray LaHood has pushed back that deadline three times ? promising in February that the rules would be issued by year's end.

With still no action, safety advocates and anguished parents such as Neiman are asking: What's taking so long to remedy a problem recognized by government regulators and automakers for decades now?

"In a way, it's a death sentence, and for no good reason," said former Public Citizen president Joan Claybrook, who once directed the federal agency responsible for developing the rules.

The proposed regulations call for expanding the field of view for cars, vans, SUVs and pickup trucks so that drivers can see directly behind their vehicles when in reverse ? requiring, in most cases, rearview cameras and video displays as standard equipment.

The National Highway Traffic Safety Administration, charged with completing the new standards, declined requests to discuss the delays. Spokeswoman Karen Aldana said the agency would not comment while the rulemaking process was ongoing but was on track to meet LaHood's latest cutoff date. In a letter to lawmakers in February, LaHood said his agency needed more time for "research and data analysis" to "ensure that the final rule is appropriate and the underlying analysis is robust."

Others insist the issue is money, and reluctance to put any additional financial burdens on an industry crippled by the economic crisis. Development of the new safety standards came even as the Obama administration was pumping billions of dollars into the industry as part of its bailout package.

"They don't want to look at anything that will cost more money for the automobile industry," said Packy Campbell, a former Republican state lawmaker from New Hampshire who lobbied for the law.

NHTSA has estimated that making rear cameras standard on every car would add $58 to $88 to the price of vehicles already equipped with dashboard display screens and $159 to $203 for those without them.

The Alliance of Automobile Manufacturers, a lobbying group that represents automakers, puts the total cost to the industry at about $2 billion a year. Last December, the group met with White House budget officials to propose a less expensive alternative: reserving cameras for vehicles with extra-large blind zones and outfitting the rest with curved, wide-angle exterior mirrors.

The alliance declined comment, but earlier this year the group's vice president, Gloria Bergquist, told The Associated Press that it urged the government to explore more options as a way to reduce the costs passed on to consumers.

"There are a variety of tools that could be used," she said, adding that automakers also were concerned that the cumulative effect of federal safety regulations is driving up the average price of a new car, now about $25,000.

Industry analysts also question whether cameras are needed on smaller, entry-level class cars with better rearview visibility.

"It may just be a couple hundred dollars, but it can grow pretty significantly if you are talking about ... an inexpensive car that was not originally conceived to have all these electronics and was only going to have a simple car stereo," said Roger Lanctot, an automotive technology specialist.

Before the delays, all new passenger vehicles were to carry cameras and video displays by September 2014. The industry has now asked for two more years after the final rules are published to reach full compliance.

Despite its resistance, the industry on its own has been installing rearview cameras, a feature first popularized two decades ago in Japan and standard on nearly 70 percent of new cars produced there this year. In the United States, 44 percent of 2012 models came with rear cameras standard, and 27 percent had them as options, according to the automotive research firm Edmunds.

Nine in 10 new cars had console screens available, according to market research firm iSuppli, which would put the price of adding a camera on the low end of the NHTSA's estimates.

These backing crashes are hardly a new phenomenon. Emergency room doctors, the National Centers for Disease Control and Prevention and the NHTSA have produced dozens of papers on the problem since the 1980s.

Researchers at the University of California, Irvine, started looking into the issue in the 1990s after noticing toddlers showing up in hospital databases of injured child pedestrians. They found that many of those children had been killed or hurt by vehicles backing out of home driveways.

In 1993, the NHTSA sponsored several studies that noted the disproportionate effect of backup accidents on child victims. One report explored sensors and cameras as possible solutions, noting the accidents "involve slow closing speeds and, thus, may be preventable." Still another 1993 report estimated that 100 to 200 pedestrians are killed each year from backing crashes, most of them children.

Three years later, Dee Norton, a reporter at The Seattle Times, petitioned the NHTSA to require improved mirrors on smaller commercial trucks and vans after his 3-year-old grandson was killed by a diaper delivery truck that backed over him.

The NHTSA started looking into technology as a solution, but in one proposal ? issued in November 2000 ? it noted that sensors, cameras and monitors were still expensive and promised to later reevaluate the feasibility of such emerging technologies.

Adding to the scrutiny were studies by Consumer Reports magazine, which started measuring "blind zones" to determine how far away a toddler-sized traffic cone had to be before a driver looking though the rear window could see it. The research found an overall trend of worsening rear visibility ? due in part to designs favoring small windows and high trunk lines, said Tom Mutchler, the magazine's automotive engineer.

"Cameras are basically the only technology that is going to let you see something right behind the bumper," he said.

With a growing body of research, better statistics and inaction by regulators, advocates such as Janette Fennell, president of a safety group called Kids and Cars, and Sally Greenberg, then with Consumers Union, turned to Congress for a solution.

In 2003, U.S. Rep. Peter King, R-New York, introduced the Cameron Gulbransen Kids and Cars Safety Act, named for a 2-year-old Long Island boy whose pediatrician father backed over him in their driveway. Five years later, it finally became law.

While no one doubts that cameras could help reduce deaths, they aren't regarded as a perfect solution either.

One recent study by a researcher at Oregon State University found that only one in five drivers used a rearview camera when it was available, but 88 percent of those who did avoided striking a child-sized decoy.

In its proposed rule, the NHTSA estimated that rearview video systems could substantially reduce fatal backing crashes ? by at least 95 a year ? and result in at least 7,000 fewer injuries.

Judy Neiman's 2006 Cadillac Escalade didn't have any cameras installed. They weren't added as an optional package until the following model year. Instead, her vehicle was equipped with a "rear parking assist system" ? bumper sensors, an alarm and lights that are supposed to go off within five feet of objects or people.

Neither Neiman nor the 10-year-old neighbor boy who had accompanied her and her daughter to the bank on Dec. 8, 2011, would recall hearing any alert, according to a police report.

Sydnee was carrying her purple plastic piggy bank and account book, so she could deposit $5 from her weekly allowance. After the transaction, Neiman slid behind the wheel and waited for the children. She heard the door slam, then saw the boy sitting on the right side of the back seat as she put the car into reverse.

She figured Sydnee was seated behind the driver's seat. Instead, the boy had gotten in first, telling Sydnee to go around and get in from the left side. He would later tell a police investigator that the girl had dropped her piggy bank on her way around the SUV.

Even if she were upright, at 4-feet-3-inches tall, Sydnee would have been practically invisible through the rear window, the bottom edge of which was a few inches taller than she was.

As the first anniversary of her daughter's death passed, Neiman hoped that sharing her story might spare other parents from enduring the pain she feels every day.

She tortures herself by replaying a conversation she had with Sydnee the summer before she died. Her daughter always had taken her heart condition, a congenital defect, in stride. She never complained or showed fear, despite her many surgeries.

Then one night Sydnee started crying, and she wouldn't tell her mother what was troubling her until the next morning.

"She said, 'I don't want to die, Mom,' and when she died, that's all I could think about. She didn't want to die," Neiman says. "She survived four open heart surgeries. If God had taken her at that time, I could accept it. But who could take her with her being hit by my car? And my hitting her?"

___

Associated Press writer Joan Lowy in Washington, D.C., contributed to this story.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2012-12-26-Rearview%20Rules/id-03e60ed67466450d8a96c7c2fd4c88f5

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Wednesday, December 26, 2012

One in US, one in Russia: Young brothers divided

Courtesy Thomas family

John and Renee Thomas with their son, Jack, 7, who was adopted from Russia at the age of 3. Jack is hoping for his brother, Nikoly, now in a Russian orphanage, to join him in the United States.

By Kari Huus, NBC News

This Christmas, the best gift 7-year-old Jack Thomas could get would be the arrival of his little brother, Nikoly, who lives in an orphanage in Kursk, Russia.

"When Jack is asked about his family, he talks about his brother," said his father, John Thomas, speaking from the family?s home in Minnetonka, Minn. "He always asks, 'When is he coming home?' We just tell him we?re waiting for the call."

Jack has been waiting several years ? a long time for a little boy. What he doesn?t know is that a feud between politicians in Moscow and Washington could destroy his chance to grow up with his brother.

On Friday, Russian lawmakers passed a bill that would prohibit Americans from adopting Russian children, and if that bill is signed into law by President Vladimir Putin, it would cast doubt on even those adoptions already in the pipeline.

For John Thomas and his wife, Renee ? and very likely hundreds of other expectant American families and Russian children ? the latest political shift could mean?a delay, a new hurdle or a brick wall.


The?U.S. State Department and some high-level officials in Moscow have lambasted the legislation as punishing Russian children?who need families in an effort to retaliate against Washington.

But the bill has gained ground amid a wave of nationalism ? fueled by anger over a U.S. human rights bill singling out Russia, and by several highly publicized?cases of U.S. adoptions that ended tragically.

Since the end of the Soviet era in 1991, Americans have adopted about 60,000 children from Russia ? making it one of the main countries of origin for non-domestic adoptions in the United States, according to U.S.?government statistics.?At the?peak of the trend in 2004, Americans brought?5,862 children into their homes. In 2011, the number was down to 962 ? a product of well-intentioned policy shifts, bureaucracy, corruption and other difficulties.

See the US Action Plan on Children in Adversity

European Children Adoption Services

Jack Thomas, at the age of 3, just before he was adopted from Kursk, Russia, by Americans John and Renee Thomas. He is now 7 years old and growing up in an affluent suburb of Minneapolis.

Even with foreign adoptions ? which are allowed after giving Russians priority ? the country has an estimated 700,000 children living in institutions, nearly 80,000 of them orphaned, and the rest abandoned or taken away by the state because the parents were judged unfit to take care of them.

The?Thomases have experienced the painful, stop-start nature of the Russian adoption process in their quest for Nikoly.

It was in December 2008, when they were finalizing their adoption of 3-year-old Eduard, whom they named Jack, that they learned he had a baby brother. They started the adoption application process for Nikoly as soon as they could, after a required waiting period.

Compliments of the Thomas family

Renee Thomas in December 2010 meeting Nikoly at an orphanage in Kursk, Russia. He was 18 months old at the time, and Thomas says she expected he would join the the family within a matter of months. Nikoly is now 4 and remains in institutional care in Russia.

A year later, John and Renee Thomas ? who work as an attorney and a building contract negotiator ? again flew to Moscow and then went by rail to Kursk to meet Nikoly, whom they call Theodore or Teddy. He was?18 months old. Renee Thomas says she thought it would take about the same amount of time to adopt him as it had with Jack, and expected to travel to Kursk sometime in the spring of 2010 to get him.

The Thomases?are?still waiting.

One of the reasons for delay, they say,?is the horror caused by a woman in Tennessee who put her 7-year-old son, whom she had adopted in Russia, on a one-way flight to Moscow in 2010, with the explanation that the child was "mentally unstable" and she could no longer take care of him.

In another delay that Renee Thomas believes cost their adoption another year, the Russian government shut down adoptions for review and re-accreditation of all adoption agencies that work in Russia.

European Children Adoption Services

Nikoly in an undated photo taken at an orphanage in Kursk, Russia. (The red splotches on his face are believed to be a type of antiseptic.)

In addition, the Thomas? dossier has gone before a series of judges in Russia, some of whom have rejected it without a stated reason, and others setting forth requirements that they are not able to meet under U.S. law. Even so, there are Russians trying to help them through the gantlet, and they figured the problems would get ironed out.

"We expected to be traveling soon" to get Nikolai, said John Thomas. ?

Just last month, when a newly negotiated bilateral adoptions agreement came into effect, designed to smooth out the process and help safeguards adopted children, things appeared to be looking up.

Watch the Top Videos on NBCNews.com

"These adoptive parents have really been through the ringer," said Johnson. "This was a bilateral treaty signed by our two governments. We really celebrated it. I thought we could turn our attention to other countries. But we?re really back to Russia again."

Kids pay in human rights spat
The ban that passed the Russian parliament grew out of a dispute over human rights.

On Nov. 16, the Sergei Magnitsky Rule of Law Accountability Act passed by a landslide in the U.S. House and Senate. Magnitsky was a 37-year-old lawyer who exposed massive fraud allegedly committed by a group of Russian officials. He was arrested and died in police custody 11 months later under suspicious circumstances. Among other things, the bill denies visas and freezes assets of the Russian officials implicated by Magnitsky.

The new U.S. law sparked an angry reaction from Moscow and fueled popular anti-American sentiment.

Russian President Vladimir Putin claims the U.S. is "poisoning ties" between the two countries with a law that bans Russians who abuse human rights and is backing a Russian draft law banning adoption by Americans. NBCNews.com's Dara Brown reports.

Vladimir Putin said that the law singling out Russia "contaminates our relations."

Russian legislators then drafted a bill to counter the U.S. law, with provisions restricting organizations and individuals linked to the United States.

Just before the first vote in the Duma, the proposed ban on American adoptions of Russian children was tacked on as an amendment. The legislation was named after 21-month-old Dima Yakovlev, a Russian boy who died in Virginia after his adoptive father left him alone in a hot SUV for nine hours.

Americans may lose right to adopt Russian kids

After the Duma approved the legislation on Friday, the U.S. State Department registered its disapproval.

"If Russian officials have concerns about the implementation of (the adoption) agreement, we stand ready to work with them to improve it and remain committed to supporting inter-country adoptions between our two countries," said acting State Department spokesman Patrick Ventrell. "The welfare of children is simply too important to be linked to political aspects of our relationship."

The bill is now heading for Putin?s desk for his signature.

Compliments of the Thomas family

John Thomas and his son, Jack, who was adopted from Russia at the age of 3, in an undated picture taken at their home in Minnetonka, Minn.

Opponents of the ban are still hoping that the president will veto the bill, despite his comments while campaigning for re-election that?U.S. adoptions should no longer be allowed. More recently he has remained silent on the issue.

Over the past week, Russian opponents of the ban have launched petitions and small protests at the parliament building, and several high-level officials have registered strong opposition to it, including Russia?s foreign minister and education minister.

Johnson of the National Council for Adoption says he?s hoping the domestic opposition will dissuade Putin from signing the adoption ban into law.

"One good thing that?s happening ? is a movement brought on by Russian citizens and the foreign minister who has spoken out against this legislation ? saying it?s not the right way to stick it to America,? he said. "Hopefully more politicians will feel comfortable speaking out."

Watch World News videos on NBCNews.com

Barring that, he said, he hopes Russia will at least make provisions to finalize the adoptions that are already in process.

"There is a precedent ? to negotiate pipeline cases," he said, citing examples in Guatemala and Kyrgystan. "But given the animosity that Russians feel towards this, I hope that?s not a conversation we have to have."

For the Thomases,?despite politics, the adoption effort is now in overdrive. They understand that Nikoly, who turned 4 in June, could be moved at any time ?? and in fact may have been moved already to a Russian institution for children as old as 18.

"That's major," said John Thomas. "That's where bad things start to happen."

For Renee Thomas, her greatest fear is that the boys will not be allowed to grow up together.?But she tries to stay positive for Jack.

"????This morning as I was making him breakfast, he said 'Mom, wouldn't it be great if we woke up Christmas morning and Santa left presents and Teddy under the tree?' My response was 'Let's hope for next year.'"

Follow Kari Huus on Facebook

Source: http://worldnews.nbcnews.com/_news/2012/12/24/16077076-boys-christmas-wish-adoption-of-little-brother-caught-in-us-russia-spat?lite

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