Tuesday, November 6, 2012

Dealing with threats in kids and teens communities- presentation


I was looking through my resources folder and found a presentation I delivered a while ago.

It's about dealing with threats in kids & teens communities (pretty obvious from the title, huh?)

It's available here: http://www.redmagegames.com/moderati...ommunities.pdf (it's a PDF version of a Powerpoint - complete with a transcript of notes, etc.)

Other resources will be uploaded to http://www.redmagegames.com/moderation/ so you can check it out, or whatever.

I know most of the stuff is pretty boring, but it's important - we have to all do our bit to protect kids/teens online.

Source: http://www.virtualpetlist.com/showthread.php/13685-Dealing-with-threats-in-kids-and-teens-communities-presentation

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Has Obama been good for millionaires?

The question of whether Americans are better off than they were four years ago depends, of course, on the American.

For the 12 million unemployed, the answer is most certainly no.

But for many of America's millionaires, the answer may be more affirmative.

A new study from WealthInsight, the London-based wealth-research and data firm (and yes, they are non-partisan), showed that the United States added 1.1 million millionaires between Jan. 1, 2009 and the end of 2011, the latest period measured. There were 5.1 million millionaires in America at the end of 2011, compared with around 4 million at the end of 2008.

That works out to more than 1,000 millionaires a day under the Obama administration. (They defined millionaires as people with total net worth of $1 million or more, excluding primary residence).

(Read more: Rich Will Spend More Under Romney: Poll)

"It's true that Obama has been good for millionaires, at least in absolute terms," said Andrew Amoils, analyst at WealthInsight. "He certainly hasn't been bad for millionaires."

Amoils said that quantitative easing and financial bailouts especially helped the finance sector, which accounts for the largest share of millionaires. It also helped that markets recovered in 2009.

The timeframe is worth noting. Measured against the 2007 peak, when 5.27 million Americans had a net worth of at least $1 million, the nation lost 165,360 millionaires. Their combined wealth is down six percent, to $18.8 trillion from a peak of more than $20 trillion in 2007.

We don't know how 2012 will turn out, though if stock markets continue to strengthen, the millionaire count for 2012 is likely to increase. Wealth Insight says the number of millionaires in America will grow to more than six million by 2016, and their combined fortunes will jump 25 percent over the same period.?

(Read more: Millionaires Give Nine Percent of Income to Charity)

Where did all the millionaires come from between 2008 and 2011?

Mainly from retail, tech and finance -- and in both blue and red states.

Of the sectors adding the largest number of people worth $30 million or more, the retail, fashion, and luxury goods sector ranked first. That was followed by energy and utilities, then tech, telecoms and finance. Transportation and construction saw the biggest drops.

The number of people worth $30 million or more grew 26 percent in Connecticut since 2008, 20 percent in Kansas, 12 percent in Michigan, showing that the wealth creation was nationwide.


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Source: http://finance.yahoo.com/news/obama-good-millionaires-193227891.html

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Thursday, November 1, 2012

Your pension: are you saving enough for your life after retirement ...

?

Before going into details I would like to give a brief background about pensions in Zambia, thanks to Mr Justine Kabwe (Insurance Institute of Zambia president) for contributing some points to this topic.

Please note that a detailed account on this subject is contained in the book I have written dubbed ?Basics of Insurance, The Zambian Experience? which will be coming out very soon.

In Africa generally people in villages and even urban areas treasured the extended family and this provided a form of security in both food and shelter.

The traditional economic activity depending on the area of Zambia one prefers to study their history, would find that this notion was emphasised and promoted through working together.

If somebody had a big land to till they would agree on a certain day to go and assist that person through what in Bemba they called ?ichima? and after a hard day of toil they would sit together and share food cooked by women from various homesteads.

There is no evidence to show whether individually they saved for a rainy day in the future. The more children someone had the more secure they felt of their future.

However, against this belief, as renowned economist and writer Anita M. Shwarz (2003) pointed out, the extended family was not and has never been a perfect way to safe guard one?s future, especially if the children of that particular person are economically disadvantaged as well.

The history of formal pension provisions in Zambia spin around the set up of commercial enterprises somewhere around 1900s, with the main employment provided by the mines, subsistence farming, transport and later education.

? IN modern times employers are arranging a pension?s scheme on behalf of their employees.

The pension component was not imbedded in the employment conditions of service until the 1970?s when the government harmonised the retirement benefits for all para-state employees.

When the colonial government came into being, those in government started some form of savings which were arranged with insurance companies and retirement policies were either as deferred or immediate
annuities.

Subsequently, even those who were uneducated at the time of independence learnt that they could plan for their retirement while working and this put pressure on the colonial masters to extend
coverage to indigenous Zambians working especially in the civil service.

This led to the creation of what was called the Local Conditions Pensions Fund in 1968 to cover all civil servants in the country though this was later renamed the Public Service Pension Fund.

In 1954 the Local Authorities Superannuation Fund [LASF] was established to provide pensions for employees in the local authorities. Later in 1966 the government created the Zambia National
Provident Fund (ZNPF) to cover employees outside the civil service and local authorities.

Up until 1992, pension and insurance business was restricted to the state owned Zambia State Insurance Corporation Limited (ZSIC) which provided retirement policies through its Life and pension division.
The law did not allow competition except for Mukuba Pension Scheme set up for the mining industry. When the economy was liberalised several new players set up insurance companies which offered retirement
benefit plans (Hantuba. M 2005).

Zambia has a long history of both social security arrangements and pension practice predominantly based on social insurance principle with social security cover restricted to citizens in the formal sector
and social welfare based support based on social assistance to citizens who are unable to contribute to the conventional schemes.

The first ever Social Insurance was created by the Germany government during the reign of chancellor Bismarck in 1889 and from its initial stage to date it has gone through tremendous progress such that almost every country has its own system of social insurance.

In Zambia there are four statutory pension schemes, that is, the Public Service Pensions Fund (PSPF), the Workers Compensation Fund Control Board (WCFCB), the Local Authority Superannuation Fund (LASF)
and the National Pensions Scheme Authority (NAPSA).

In modern times we have seen employers arranging a pension?s scheme on behalf of their employees where an employee contributes a certain amount or percentage of their earnings and the employer also a
percentage.

These are referred to as occupational pension schemes and must be registered with the regulator of the pensions and insurance authority (PIA).

There are currently about 222 registered private and occupational pension schemes in Zambia covering over 100,000 members.

Types of Pension Schemes

The two common types of pensions schemes are Defined benefits (DB?s) schemes and Defined Contributions (DC?s) or money purchase schemes.

Please send your contributions/comments or questions to email: webster_tj@hotmail.com or webster@picz.co.zm or on face book search for Insurance Talk-Zambia page or call/text 0977 857 055

(The Author is a Chartered Insurer with eight years industry experience)

?

Source: http://www.times.co.zm/?p=17821

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Tuesday, October 30, 2012

Texting while driving? The ticket costs more than you think.

It's illegal to text and drive in most states, and law enforcement agencies are developing more sophisticated ways to spot offenders. What's more, that ticket may end up costing you hundreds.?

By Richard Read,?Guest blogger / October 28, 2012

In this 2011 file photo, a phone is held in a car in Brunswick, Maine. The Department of Transportation recently announced pilot programs in Connecticut and Massachusetts "to develop and train police officers on better methods for spotting drivers who are texting.

Pat Wellenbach/AP/File

Enlarge

In most of America, it's illegal to text and drive. Today, 39 states and the District of Columbia now have laws on the books forbidding the practice. Chances are, you live in one of them.

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The problem for police?officers?is that such laws can be difficult to enforce. Even though texting constitutes a primary offense in most instances (meaning that drivers can be pulled over solely for breaking that law), officers have to witness a motorist in the act of texting. That means that in the 29 states where it's okay for drivers to use a handheld cell phone, officers have to observe a driver interacting with a device long enough to ensure that they're not fiddling with music or doing something else that might be considered legal.

The Department of Transportation recently announced pilot programs in Connecticut and Massachusetts "to develop and train police officers on better methods for spotting drivers who are texting, and to develop media techniques that alert the public to the perils of texting and driving". Although Secretary of Transportation Ray LaHood admits that "there is still much work to be done" in the area of enforcement, programs like this should soon give officers new tools to catch offenders.

Which is to be expected. Distracted driving is a huge problem in the U.S. and elsewhere, and as smartphones and in-dash?navigation?screens become ubiquitous, the problem's only going to get worse. In fact, perfectly sensible people text and drive -- including?nearly one-third of your commuting colleagues.?

So, given that texting is a growing problem and enforcement is ramping up, it's likely that you or one of your friends will soon get busted for LOLing and OMWing in traffic. How does that affect your wallet?

First, there's the cost of the ticket, which varies from state to state, depending on the base charge, court fees and other expenses. As an example:?Online Auto Insurance?(OAI) reports that the base fee in California is $20, but after adding on all the ancillary costs, texters leave the courthouse a staggering $336 poorer.

Then, there's the question of insurance. OAI secured three quotes for a hypothetical driver: a 25-year-old single male, living in New York, driving roughly 10,000 miles each year in his?2008 Honda Civic?DX, with one texting ticket on his record.

In one scenario, the violation didn't cause the quote to?change?at all: the hypothetical driver paid the same with or without the ticket. At the other two insurers, however, rates jumped 9.1% and 10.5%.?And although OAI didn't explore the issue, chances are that a second texting ticket would likely have even more dire consequences for the insured.

Of course, we'd be remiss if we didn't point out that OAI makes its money by brokering?auto?insurance policies for drivers. In other words, it's in OAI's best interests to make drivers aware of discrepancies in insurance rates, since that encourages new business.

That said, we're not surprised by the findings. In fact, we're a bit surprised that the difference in quotes wasn't a bit more dramatic for those with texting tickets on their record.?

Have you gotten a ticket for texting while driving? How much did it set you back? Did it affect your insurance? Drop us a line, or leave a note in the comments below.

The Christian Science Monitor has assembled a diverse group of the best auto bloggers out there. Our guest bloggers are not employed or directed by the Monitor and the views expressed are the bloggers' own, as is responsibility for the content of their blogs. To contact us about a blogger,?click here.?To add or view a comment on a guest blog, please go to the blogger's own site by clicking on the link in the blog description box above.

Source: http://rss.csmonitor.com/~r/feeds/csm/~3/OoKyPYduS9s/Texting-while-driving-The-ticket-costs-more-than-you-think

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Sunday, October 28, 2012

African animation goes global | Arts and Culture | Film | Mail ...

Ubuntu filmmaking: Adventures in Zambezia producer Stuart Forrest hopes the animated movie will prove that South Africans are capable of telling child-friendly stories with international appeal.

The South African animated movie Adventures in Zambezia was the highlight of the second Kunjanimation festival, held in Cape Town last week. Made by South African company Triggerfish, this story of a young falcon with an ubuntu message (tagline: ?No bird is an island?) has been picked up by Sony and is getting a worldwide release.

Featuring the voices of international stars Jeff Goldblum, ?Leonard Nimoy, Richard E Grant, Samuel L Jackson and Abigail Breslin, the film has already been seen in Russia, for instance, where it was a hit with 800?000 tickets sold and a gross of about $2.7?million. It opens in South Africa on December 26.

?The best reviews have come from Germany, but the best box-office results have come from Russia and Israel,? says producer and Triggerfish chief executive Stuart Forrest. He expects ?good things? of the local release: ?I think that South African audiences will be surprised by the quality and entertainment value of the film.?

A joint initiative of Animation South Africa and the local branch of the French Institute, Kunjanimation 2012 had the support of Wesgro, the Western Cape destination marketing, investment and trade promotion agency and the National Film and Video Foundation.

This year, the festival?s main aim was to showcase South Africa?s emerging animation talent and make connections with the global industry. Screenings included compendiums of South African animated shorts, the 1973 French science fiction classic Fantastic Planet and the 2007 local claymation film Tengers.

Festival director Daniel Snaddon says that, based on the success of the 2011 festival, held in Johannesburg as a forum for industry professionals, ?this year we decided we would cast our net much wider, with film viewings for the general public and learning opportunities for students and professionals at every level ? The public support was great and shows that animation is, indeed, a much-loved art form.?

Globally competitive
Kunjanimation also focused on education and skills development. There was an impressive array of workshops and presentations by leading South African animation companies such as Black Ginger, Triggerfish, Imaginari and Strika Entertainment. Master classes were offered by local experts such as writer Daniel Dercksen and international animators such as DreamWorks Animation?s Alexandre Heboyan, who recently produced his first independent feature.

Snaddon was pleased to host a preview of the much-awaited Adventures in Zambezia at the festival. Its success overseas, he says, ?has ?created an attitude among animators in the local industry that we can be globally competitive and make films that the world wants to see?.???? ?

?One thing I have come across around the world,? says Forrest, ?is how genuinely surprised audiences are that this film was made in Africa. It does not compute with their vision of a ?dark continent? with no technical skills, yet to date more than one million people have bought tickets to see the film. For those people, South Africa has been slightly reframed in their minds. We are a nation that is capable of producing upbeat, funny, heart-warming, child-friendly adventure stories.?

Triggerfish will release its second animated feature, Khumba, in December next year. ?Like Pixar, we are aiming at developing a ?studio brand. I think it?s vital that the industry has more festivals like ?Kunjanimation to get all the stakeholders together to discuss where we are heading as an industry,? says Forrest.? ?

Snaddon agrees. ?The animation industry can benefit the country economically and create employment opportunities. If the festival takes off, it can become a central point for animators from Africa, who will have the opportunity to network with animators and companies from around the world.?

Source: http://mg.co.za/article/2012-10-26-african-animation-goes-global

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Tuesday, October 23, 2012

Official Announcement of FamilySearch Family Tree on the way

Today, 22 October 2012, FamilySearch.org has been down most of the day and unavailable. However, it is likely that this downtime in in preparation for the "Official" introduction of the program during the week of 29 October to 2 November, 2012. The Mesa FamilySearch Library received an email announcement to that effect and has been sharing the information with all the Library volunteers.

I am not really certain what will happen to the program in conjunction with the Official Announcement, since it has been operational for some time and available to anyone who wanted to register and obtain the freely available invitation. What is likely is that Family Tree may now appear on the FamilySearch.org menu, with or without signing in. I doubt that the connection between New.FamilySearch.org and Family Tree will be severed until the users of both programs have gotten used to the idea of the newer program, but that is a possibility. More likely is that the name Family Tree will appear on the menu, but the two programs will remain connected for the time being.

Source: http://genealogysstar.blogspot.com/2012/10/official-announcement-of-familysearch.html

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Sunday, October 21, 2012

Unions shift political might to state, local races

WASHINGTON (AP) ? Unions are shifting more of their political resources to state and local races this year as they try to head off passage of laws that could undermine bargaining rights, make it harder to organize or reduce their political muscle.

Labor leaders say their top goal remains re-electing President Barack Obama, but several unions are redirecting their focus from the presidential and congressional campaigns to state and local races in dozens of states where they feel threatened.

In New Hampshire, unions want to keep the governor's seat in Democratic hands to prevent a right-to-work measure. In Maine and Minnesota, labor leaders hope to overturn Republican majorities in state legislatures. And in Michigan, unions are trying to enshrine collective bargaining rights in the state constitution.

The shift comes as organized labor is still reeling from battles in Wisconsin, Ohio, Indiana and other states where governors have sought to limit union rights for public workers or otherwise restrict union power.

"This year we've invested in these races more than ever before," said Brian Weeks, political director of the country's largest public workers union, the American Federation of State, County and Municipal Employees.

Weeks' union has pledged to spend $100 million this election cycle to help re-elect Obama and other union-friendly candidates ? most of them are Democrats ? in federal, state and local races. A larger chunk of that is flowing to state and local candidates than in the past, though Weeks said the union is only spending "marginally less" on presidential and congressional races than four years ago.

Unions have been on the defensive since 2010, when Republicans seeking to weaken union muscle took control in 26 state legislatures, up from 14 two years earlier. Unions failed to recall Wisconsin Gov. Scott Walker, a Republican, after he signed a law limiting collective bargaining rights for most public workers. They also saw Indiana become the 23rd state to pass a right-to-work law that limits unions' ability to collect fees from nonunion workers.

"The severity and the viciousness of the attacks in 2010 caught us a little off-guard," Weeks said. "Now we're planning for that to prevent it from happening again."

In 2008, the nation's largest firefighters union spent nearly 100 percent of its money on federal races. This year, for the first time, about 25 percent of the national union's $14 million political budget is going to state and local campaigns.

"We have really pivoted and turned a lot of our work and resources into those state races," said Harold Schaitberger, president of the International Association of Firefighters.

That includes Iowa, where Democrats hold a one-vote majority in the Senate. Unions hope to keep that advantage to prevent passage of a measure that would ban public employee unions from collecting dues through automatic paycheck deductions.

Unions can play a pivotal role in turning out voters in some states. The AFL-CIO says its volunteers will knock on 5.5 million doors, make 5.2 million phone calls and hand out 2 million leaflets at worksites in the final four days before the election. Voters in 25 states will receive about 12 million pieces of mail urging them to vote for union-endorsed candidates.

Larry Kruse, a Republican running for a state Senate seat in Iowa's 42nd District, said some of his supporters have shown him the fliers that unions are mailing out.

"Most of them are on the negative side, so a lot of people are upset with them," Kruse said. "They may be spending a lot of money, but I question how effective it is."

In Minnesota, unions hope to overturn Republican rule of both legislative chambers so Democratic Gov. Mark Dayton can push through income tax increases on the highest earners and more spending on schools. Republicans want to cut state spending, which could jeopardize public employees.

In New Hampshire, the GOP-led Legislature passed right-to-work legislation last year but failed to override a veto by Democratic Gov. John Lynch. Lynch is not seeking another term, so unions are pinning their hopes on electing Democrat Maggie Hassan over GOP rival Ovide Lamontagne, who has pledged to sign a right-to-work measure.

This week, AFSCME and the Service Employees International Union launched a $1.3 million television ad campaign in New Hampshire against Lamontagne.

The heavy union investment in New Hampshire's gubernatorial race doesn't sit well with Fred Kfoury, president and CEO of Central Paper Products Co., a 55-employee business in Manchester. Kfoury said a right-to-work law would help the state attract more new businesses.

"Unions have outlived their usefulness and have been an impediment to business growth and dynamics," Kfoury said.

Brandon Davis, SEIU's political director, downplayed the notion that his union is not spending as much money on the presidential and congressional races. He said the union is being more strategic about how it spends money, focusing on state legislative districts that overlap with key congressional districts and urging voters not to forget about state and local races.

"We simply cannot stop at the top," Davis said.

Unions are being forced to play defense even in the usually labor-friendly confines of California, where they are fighting a ballot proposition that would prohibit unions from using payroll deductions to collect funds for political purposes. That would starve unions of the tens of millions of dollars they use to finance campaigns and political organizing. Californians rejected similar measures in 2005 and 1998.

In Michigan, unions are going on offense with a ballot measure that would include collective bargaining rights in the state constitution. The measure would prevent future Wisconsin-style measures restricting bargaining rights, but opponents say it would hinder state and local lawmakers who want to control their budgets.

A union-backed group has spent about $6.5 million on TV ads supporting the measure, according to a nonprofit called the Michigan Campaign Finance Network. Two opposition groups with business support have spent roughly the same amount.

___

Follow Sam Hananel's labor coverage at http://twitter.com/SamHananelAP

Source: http://news.yahoo.com/unions-shift-political-might-state-local-races-153412762--election.html

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