No timeline on decision on harassment allegations against Broomfield football coach Gary Davies

Gary Davies (DAVID R JENNINGS)

By Enterprise staff

Broomfield police on Tuesday submitted a report to the 17th Judicial District Attorney's Office on their investigation into harassment allegations made against Broomfield High School football coach Gary Davies.

DA's office spokeswoman Krista Flannigan said the office has received reports, but there is no timeline yet for when a filing decision will be made.

Police spokesman Sgt. David Walts said the alleged incident occurred during Broomfield's game against Standley Lake High School on Oct. 12. Someone reported the incident to school staff, and staff reported it to police, he said.

Davies last week was placed on administrative leave for undisclosed reasons, BVSD director of communications Briggs Gamblin said.

Gamblin did not specify why, since the matter is a personnel issue.

"We don't discuss employee personnel, health or disciplinary issues as a matter of district policy," he said.

Davies said he could not comment on why he was put on leave when contacted Saturday night, but did express hope he would return to his teaching and coaching positions soon.

Source: http://www.broomfieldenterprise.com/broomfield-news/ci_21837439/no-timeline-decision-harassment-allegations-against-broomfield-football?source=rss_viewed

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Apple 13-inch Retina MacBook Pro hands-on!

Apple just introduced its second Retina display MacBook: the 13-inch MacBook Pro, which starts at $1,699 and is shipping today. Just months after the 15-incher was gifted with a display that packs more pixels than your existing HDTV, the 13-inch sibling is receiving similar treatment. Unveiled today in San Jose alongside the iPad mini, the intensely dense 13-inch MBP is true to the rumors -- there's a 2,560 x 1,600 panel, a pair of Thunderbolt ports, a full-size HDMI socket and a MagSafe 2 power connector. Unfortunately, those yearning for a Retina-equipped MacBook Air won't find their dreams fulfilled just yet, but you can bet that holdouts will most certainly give this guy a look.

For starters, it's wildly thin. No, not manilla envelope thin, but thin enough to slip into most briefcases and backpacks without the consumer even noticing. Outside of that, it's mostly a shrunken version of the 15-incher let loose over the summer. The unibody design is as tight as ever, with the fit and finish continuing to impress. In my estimation, this is Apple's most deliberate move yet to differentiate the 13-inch MacBook Pro from the 13-inch MacBook Air. On one hand, power users longing for a highly portable laptop can rejoice; on the other, this could be seen as reason for Apple to restrict the use of Retina displays to its Pro range for the foreseeable future.

Compared to the 1,280 x 800 resolution of the non-Retina 13-inch MBP, the new display is particularly stunning. Text has never looked more crisp, and colors are stupendously vibrant. Of course, apps, websites and graphics that haven't been optimized for Retina still look like utter rubbish, and as more Apple machines transition to these panels, the outcry is going to get even louder. But, hopefully, it'll light a fire under developers to get with the program.

Gallery: 13-inch MacBook Pro with Retina display hands-on!

Continue reading Apple 13-inch Retina MacBook Pro hands-on!

Filed under: Laptops, Apple

Apple 13-inch Retina MacBook Pro hands-on! originally appeared on Engadget on Tue, 23 Oct 2012 14:31:00 EDT. Please see our terms for use of feeds.

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Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/axPc4KeXY0g/

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Eid al-Adah or Bakrid in India

Muslims in India join with their brethren around the globe to observe ?the feast of sacrifice? or ?Eid al-Adah? on the 10th day of the month Dhul Hijjah in the Islamic calendar. The festival is observed over a period of three days and Muslims in India abide by the traditions and celebrate Eid al-Adah with pomp and gaiety. Eid al-Adah also coincides with the pilgrimage undertaken by Muslims to Mecca (Haj)

Eid al-Adah is celebrated in remembrance of divine intervention that saved the Prophet Ibrahim?s son from being sacrificed. According to Islamic belief, the Prophet Ibrahim received a revelation from Allah to sacrifice his only son Ismail. With much burden the Prophet proceeds to obey God. However in honor of his faith, God provides a ram for the sacrifice in the place of the Prophet?s son. Since then Muslims have set aside Eid al-Adah as a festival to sacrifice an animal, either a camel, goat, sheep or cow.

In India, Eid al-Adah is commonly referred to as Bakrid (bakri is goat in Hindi) since it is common for goat sacrifices to be offered for the occasion. Depending on a family?s financial status an animal is procured for the sacrifice. There are certain specifications followed while selecting animals and only those without defects and blemishes are chosen to be offered. Economically backward families join in with others and contribute to buy an animal. Those rearing animals offer any one of their farm or domestic animals as a sacrifice.

The animal offered is split into three portions, one for the consumption of the family, the other to be distributed to friends and neighbors and the third portion to be given away to the poor. Through this tradition, Muslims in India ensure that the joy of their celebration extends beyond their home and that all are included.

On Eid al-Adah or Bakrid, Muslims clean up and wear new clothes. The day begins with a prayer session that is often held in an open area, to accommodate all. Following this Eid greetings are exchanged and the festivities commence in full swing. Giving gifts and sweets to family and friends are also important ingredients of the festival. A sumptuous platter is prepared and the feast is shared with all.

Bakrid is a recognized festival in India and is declared a holiday for schools, colleges and other establishments. Some families make use of the day for outings after feasting on traditional delicacies.

On the whole, Bakrid is an interesting celebration that adds its special hue to colorful Indian festivals and celebrations.

Here's an interesting book for further reading on Islamic traditions
Buy "Understanding Islam And Muslim Traditions: An Introduction to the Religious Practices, Celebrations, Festivals, Observances, Beliefs, Folklore, ... World's Musli (Holidays, Religion & Cultures)" from Amazon.com

This book is an appropriate guide for children to understand Muslim Festivals.
Buy A YEAR OF RELIGIOUS FESTIVALS: MY MUSLIM YEAR from Flipkart.com

Source: http://www.bellaonline.com/articles/art178426.asp

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Storify: Readers react to final presidential debate on Twitter

The Miami Herald is pleased to provide this opportunity to share information, experiences and observations about what's in the news. Some of the comments may be reprinted elsewhere in the site or in the newspaper. We encourage lively, open debate on the issues of the day, and ask that you refrain from profanity, hate speech, personal comments and remarks that are off point. Thank you for taking the time to offer your thoughts.

We have introduced a new commenting system called Disqus for our articles. This allows readers the option of signing in using their Facebook, Twitter, Disqus or existing MiamiHerald.com username and password.

Having problems? Read more about the commenting system on MiamiHerald.com.

Source: http://www.miamiherald.com/2012/10/22/3062592/storify-readers-react-to-final.html

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Residential Solar Lease vs Solar Ownership - CleanTechnica

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If you?re in one of the larger solar markets in the country (California, New Jersey, etc) then ?going solar? doesn?t mean going it alone. You can likely get a ?zero money down? lease or some similar financing tool to reduce the upfront cost. But is it worthwhile? The following analysis, done for a friend in Ithaca, NY, provides some context.

Comparing solar ownership to a solar lease can be tricky. The following analysis examines the value of owning a 5 kW solar PV system which can be used for comparison to a quote from a solar leasing company. Overall, long-term solar ownership can be very profitable.

The comparison can be done in two ways. The first examines the cash flow of two options for paying for your own solar array: with all cash upfront or with a bank loan at 5% interest. If you pay cash, you?ll be making money from day one, including all forecast maintenance costs. If paying off debt, it will cost extra until the loan can be paid off in approximately 5 years.

We?re not taking into account what are called the ?opportunity costs? of the investment ? that is, the return it could earn if put into other types of investments. Consumers rarely do this type of analysis, although businesses often do. We are also not including any tax deduction for the interest paid if the solar array were financed with a home equity loan.

The second common way to evaluate an investment is to examine its return. This can be used to compare it to other investments, like treasury securities, mutual funds, or stocks. As we can see, the cash investment has a good return over 15 years, and both solar financing options provide a good return over 25 years.

Financial Measures of Project Value

Finance Type	Years to Payback	15-year ROI	25-year ROI	Profit/Loss at 15 years	Profit/Loss at 25 years
Cash	10	9%	12.50%	$5,000	$16,050
Debt (80% of total cost)	18	n/a	7.50%	($2,400)	$8,650

Neither of these analyses take into account the increased appreciation of the home because of having a solar array. A number of studies indicate that, when selling the home, one would get back a significant percentage of the installation value.

Comparison to Solar Leasing

Solar leasing offers several benefits over ownership, but also some potential liabilities. Benefits include no maintenance (yearly cleaning, potential inverter replacement, etc) and little to no upfront investment. But a solar lease should be examined closely and its assumptions compared to those in this analysis:

• Projected Savings: How do projected savings compare to ownership?
• Inflation Assumptions: A lease typically has two inflation rates, one for the lease payment (fixed) and one for the grid electricity price (a guess). If the latter ends up being lower than forecast (I?ve seen them as high as 5%!), it can significantly reduce projected savings.
• Lease End: What happens when the lease expires? Can the system be purchased? How does the purchase price compare to the projected savings to that point? This is very important because of the potential value of the solar array to the resale price of the home. Also, one can inquire whether an inverter replacement had already been done when the system is available for purchase.
• Company History: Will the company be around in 10-15 years to fulfill their lease requirements?

In summary, comparing ownership to leasing isn?t easy, but this guide can help by comparing the economics and challenging the assumptions of the lease agreement.
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Assumptions for the Economics of Solar Ownership

Upfront Costs

Installed cost: $25,000
Combined incentives: $20,000
Total cost: $5,000

Ongoing Balance Sheet

Maintenance: $250 per year (including inverter replacement every 10-15 years)
Electricity savings: $838 in first year
Finance costs (if applicable): $2,600 per year for 10 years

Inflation, Financing, and Incentives

Estimated solar output: 5,776 kilowatt-hour per year for a 5 kW (DC) system
Estimated installed cost: $25,000 ($5 per Watt)
Federal incentive: 30% tax credit ($7,500)
State incentives: 25% tax credit on installed cost, up to $5,000; NYSERDA rebate of $1.50 per Watt ($7,500)
Electricity price inflation: 3% per year, starting at 14.5? per kilowatt-hour
Panel output decrease: 0.5% per year
Borrowing costs: 5% interest on 10-year, $20,000 loan. Largely paid back in year 2 with incentives.

Sensitivity Analysis

What happens if our assumptions are wrong? The following table compares the 15-year profitability of a PV system paid for with cash under different scenarios.

This post originally appeared on ILSR?s Energy Self-Reliant States blog.

Source: http://cleantechnica.com/2012/10/23/residential-solar-lease-vs-solar-ownership/

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Rich Schefren - Outfox Your Flaws (2012) - Wow! eBook

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Rich Schefren ? Outfox Your Flaws (2012)Size 715.15 MB
Type Business

Rich offered this program as a bonus for buying Dan Kennedy?s Recession-Made Renegade Millionaire program through his link. He suffers from the same shit you and I suffer. He has handled it and has become a millionaire. I want to be a millionaire too. I found this very interesting. If you have none of the problems that are covered on these tracks:
01 ? Procrastination.mp4
02 ? Info-Overload.mp4
03 ? Discipline.mp4
04 ? Perfectionism.mp4
05 ? Overwhelm.mp4
06 ? Lack Of Focus.mp4
07 ? Lack Of Clarity.mp4
08 ? Self-Doubt.mp4
09 ? Distractions.mp4
10 ? Time Management.mp4

Then there is probably nothing here for you. For the rest of us, see what you think.

Turn Your Self-Defeating Habits Into Money-Making Skills

Hey Rich Schefren, here again.

I?ve got something really important I want to share with you.

Give me just a couple minutes and I?m going to teach you some things most people have never thought of ? all part of a revolutionary new strategy to help you become more successful than you ever dreamed of.

But first, I have a confession to make.

Most people know me by my success.

Building 3 multi-million dollar businesses. My Internet Business Manifesto. My online business success and coaching.

But, I haven?t always been successful.

And certain personal flaws have held me back all my life.

For one thing, I?m a procrastinator. And, I?m a perfectionist.

Then, to top it all off, I have ADD.

It hasn?t been easy, to say the least.

Now logically, you might think ?Geez, someone with all that baggage couldn?t possibly succeed.?

And that?s how it seemed for a while.

But here?s the thing?

I finally figured out how to ?out-think? my flaws.
And once I figured that out ? success just seemed to flow!

Recently, I?ve started to see just how many other entrepreneurs are being held back by their flaws? same as I was.

Now, some people recognize that personal flaws are blocking their success. And they waste a lot of time and money trying to eliminate these ?bad? behaviors.

Let me tell you how I outfoxed my biggest flaws? procrastination and perfectionism.

I was giving a presentation at a conference, and I knew I had to kick myself in the ass to get my program off the ground.

So, after my presentation I offered 25 openings for one-on-one coaching.

Whoa ? the program sold out instantly, and I got 40 commitments on the spot.

Now I was in a jam.

I had promised to have several months worth of lessons ready for my program ? even though I hadn?t come up with them yet.

Of course, I felt accountable to my new clients.

I don?t like to disappoint, because I?m also obsessive about delivering on my promises.

So I forged ahead and set the dates and times for the calls right away.

And that forced me to come up with the material in time for the calls, or be completely humiliated in front of my clients.

In the end, it was a huge success. The program went off without a hitch.

All together, my first 25 clients increased their online revenues by over $40 million in just 18 months, and the rest is history. I was on my way.

But just to be clear:
I never ?cured? my procrastination or perfectionism?
I just learned how to make it an advantage in what I do.

And lately, my attention has been on what?s holding my clients back.

Just recently, I realized that I was watching one person after another struggling with this same problem.

They get stuck in the same cycle, thinking that they have to change themselves to overcome some flaw that?s handicapping them.

And that?s when it hit me like a ton of bricks.

They all think the same thing I used to?that they had to somehow change themselves to become successful.

That?s when I realized just how many entrepreneurs were out there who needed the strategies I have to get around their own flaws.

Because in reality, trying to change who you are is usually just another path to failure. It?s simply too difficult.

They can?t see that there?s a faster, easier way.

That there?s no need to take the long, hard road of trying to change who you are.

That there is ? just like I set for myself ? a simple way to walk right around your flaws.

I?m talking about a thinking process that will not only make those flaws irrelevant, but will change them into some of your biggest strengths.

Behaviors like self-doubt, procrastination, being distracted, or having trouble deciding what to do next can all simply be planned around.

By using the simple techniques I?m going to show you, you can easily go:

From Information Overload ? to having clarity on what information you can use right now, and what information you can get to later?
From Procrastinating ? to starting projects sooner than expected and finishing them on time, every time?
From Being Distracted ? to knocking out your To-do list every single day of the week.
And from indecision ? to flying towards your goals like never before.

I?m telling you this because I hear these problems all the time from my clients.

They think they?re carrying some baggage that?s dragging them down from success.

And I always have to tell them it?s nonsense.

It?s just their thinking process that?s holding them back.
The Most Successful Entrepreneurs We Look Up To
Succeeded DESPITE Their Flaws.

Download

No related posts.

Source: http://wowebook.net/2012/10/rich-schefren-outfox-your-flaws-2012.html

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Regions Financial shares drop as yields shrink

BIRMINGHAM, Ala. (AP) ? Regions Financial Corp. on Tuesday posted sharply higher third-quarter earnings, as the regional bank set aside less cash to cover loan losses. But its shares fell sharply in morning trading after the results showed record-low interest rates cut into interest income from loan and deposits.

Regions reported net income of $301 million, or 21 cents per share, for the three months ended Sept. 30. That was nearly three times the size of the company's earnings in the year-ago period, when net income was $101 million, or 8 cents per share.

Excluding an $11 million loss from a discontinued operation, Regions' adjusted earnings 22 cents per share.

Analysts surveyed by FactSet had expected adjusted earnings of 21 cents per share, on average. Analysts' forecasts typically exclude one-time items.

Regions said its aggregate loan yield was 4.18 percent, down from 4.29 percent in this year's second quarter. Regions, like many other banks, has been pressured by historic low interest rates, which have been driven down in part by the Federal Reserve policies to stimulate the economic recovery and encourage borrowing and investment. Regions also attributed the decline in its loan yield to a greater number of borrowers paying off mortgages early, as well as pricing competition.

Shares of Regions fell 51 cents, or 7.2 percent, to $6.57 in morning trading. The stock has traded in a 52-week range of $3.51 to $7.73, and is still up more than 50 percent since the start of the year.

Regions also reported a decline in its net interest margin, which fell to 3.08 percent from 3.16 percent in this year's second quarter. Net interest margin, considered a key measure of a bank's profitability, is the difference between interest a bank collects on loans and interest it must pay to depositors and other lenders.

Jefferies & Co. analyst Ken Usdin said in a note to clients that the net interest margin performance "will be seen as disappointing." He said the company had indicated it expected that metric to remain stable in the latter half of this year, along with net interest income, or earnings from traditional banking operations like deposits and loans.

Net interest income slipped nearly 4 percent in the latest quarter to $817 million, from $850 million in the year-ago period.

That decline was offset by improved loan performance. Regions' provision for loan losses, or money set aside to cover souring loans, plunged to $33 million from $355 million in the year-ago quarter, although it rose slightly from $26 million in this year's second quarter.

Net charge-offs, or loans that have been written off as uncollectible, declined to 1.38 percent of average net loans from 2.52 percent in the year-ago quarter, and from 1.39 percent in this year's second quarter.

Revenue from Regions' mortgage business increased to a record high of $106 million, up 56 percent from the year-ago period.

Regions reported $12 million in securities gains in the latest quarter, compared with a $1 million securities loss a year ago. Other non-interest income, such as earnings from fees and service charges, rose about 1 percent to $521 million from $514 million.

Separately, Regions said on Tuesday that it expects to consider issuing preferred stock in an underwritten public offering "in the near future." Proceeds would be used for general corporate purposes.

Regions, based in Birmingham, Ala., operates in 16 states across the South, the Midwest and Texas, with about 1,700 branches.

Source: http://news.yahoo.com/regions-financial-shares-drop-yields-shrink-161149869--finance.html

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