Saturday, June 30, 2012

UNESCO votes to put Church of Nativity in Bethlehem on World Heritage list of sites in danger

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Source: http://news.yahoo.com/unesco-votes-put-church-nativity-bethlehem-world-heritage-130326364.html

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Journey To The Hait

Journey To The Hait

The year is 1972. A returning soldier and four of his friends travel the U.S. searching for his one true love.

Owner:

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This topic is an Out Of Character part of the roleplay, ?Journey To The Hait?. Anything posted here will also show up there.

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Forum for completely Out of Character (OOC) discussion, based around whatever is happening In Character (IC). Discuss plans, storylines, and events; Recruit for your roleplaying game, or find a GM for your playergroup.
This is the auto-generated OOC topic for the roleplay "Journey To The Hait"

You may edit this first post as you see fit.

This body holding me
Reminds me of my own mortality
Embrace this moment; remember:
We are eternal...all this pain is an illusion.

~Tool - Parabola

User avatar
Pomgran
Member for 0 years



May I reserve the girlfriend Sarah, I can have a character up withing the next hour!

User avatar
skindeep
Member for 0 years



May I reserve the Hippie please, do you prefer that it be a male or female. If not I planned on making a female. Should have the character sheet up by this evening.

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Saiyan Princess
Member for 0 years




Post a reply

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An Examination of Why You Need to Take Out Those Paint Peelings











Long before the actual roof structure begins to deteriorate, problems in exterior painting set in. It can be quite annoying to see segments of your roof's paint peel like onion skin. It's understandable, knowing just how much money and time you have actually poured into roof painting. If you're staying in Marietta, Georgia, peeling problems are worse due to high humidity levels and heavy rainfall. Such a temperature can only make roof covering paint prone to peeling.

However, the solution is not as easy as applying paint. In mending paint problems, it is very important to prepare the damaged parts first before any sort of corrective action can be performed. The initial step is to remove the peeling parts before an added layer of paint can be made. By properly preparing your roof covering, a new coat of paint will definitely adhere much better, and risks of peeling paint are considerably decreased.

Eliminate loose and flaking paint. You need to scrape off flaking and loose paint in your roof. An experienced specialist will tell you that the new paint should bond with the surface; otherwise, the new paint will definitely peel too. You can utilize a wire brush or putty knife to get rid of the spots where the old paint is peeling; after doing so, just refine the edges with a sand paper.

Wash off impurities. All sorts of impurities come into contact with the external part of your home. Aside from natural weathering, other impurities include mildew, oxidation, smoke, and dirt. You need to get rid of these impurities first because their presence will definitely hamper your new coat from bonding to the roof surface.

As clarified by a painting specialist, if the impurities are not eliminated before the brand-new paint is put on the roof coverings or gutters Atlanta homes have, the brand-new layer will eventually peel and crack. To efficiently eliminate flaking areas, a pressure washer will suffice. However, a nylon brush and garden hose will definitely also work. Just apply pressure on the tip of the garden hose to mimic the pressure created.

Clean gutters. Aside from roof coverings, gutters are also adversely influenced by continual exposure to outdoor elements and humidity. In time, oxidation can dent sections of the gutter, causing out of shape or depressed sections. In removing flaking paint in gutters Marietta GA houses have, tools and techniques used in taking out paint peelings in your roof sheets become greatly helpful.

Your roof covering is one of the most valuable parts of your residence, and as such, paint problems need to be remedied before they can balloon into greater problems. So if you need assistance in getting rid of those flaky paint portions, then think about the expert services of Marietta roofing contractor. You can find out more about this topic on ehow.com.

If you have questions, please visit us at www.SJRoofing.net for complete details and answers.

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EU deal for Spain, Italy buoys markets but details sketchy

BRUSSELS (Reuters) - Under pressure to prevent a catastrophic breakup of their single currency, euro zone leaders agreed on Friday to let their rescue fund inject aid directly into stricken banks from next year and intervene on bond markets to support troubled member states.

They also pledged to create a single banking supervisor for euro zone banks based around the European Central Bank in a landmark first step towards a European banking union that could help shore up struggling member Spain.

"It is a first step to break the vicious circle between banks and sovereigns," European Council President Herman Van Rompuy told a final news conference after talks which stretched right through the night.

The deal was widely seen as a political victory for embattled Italian Prime Minister Mario Monti and his Spanish counterpart, Mariano Rajoy, over German Chancellor Angela Merkel, who had brushed aside any need for such emergency measures earlier this week.

ECB President Mario Draghi endorsed the "tangible results", which sent the euro nearly 2 percent higher and sharply cut Spanish and Italian bond yields. European shares rose, led by banking stocks buoyed by the prospect of moves to backstop the financial system.

"I am actually quite pleased with the outcome of the European Council. It showed the long-term commitment to the euro by all member states of the euro area," Draghi told reporters.

Market participants welcomed the outcome as a substantial step to restore confidence in the 17-nation euro zone, which was saluted by a more durable rally than previous summit outcomes.

"It's inching closer to a banking union, and the closer we get to a banking union would put (the EU) well on the road to a fiscal union," said Art Hogan, managing director of Lazard Capital Markets in New York.

Most economists polled by Reuters expect the ECB to cut borrowing costs at its July 5 meeting, which takes place against a darkening economic backdrop. But internal resistance to the central bank reviving its bond-buying program remains high.

After 14 hours of tense talks that ended at 4.30 a.m. (0230 GMT), the 17 leaders agreed on a series of short-term steps to shore up their monetary union and bring down the borrowing costs of Spain and Italy, seen as too big to bail out.

To that end the euro zone's temporary EFSF and permanent ESM rescue funds will be used "in a flexible and efficient manner in order to stabilize markets" to support countries that comply with EU budget policy recommendations, a joint statement said.

It gave few specifics, but euro zone officials said the funds could buy bonds on both the primary and secondary markets on the basis of a memorandum of understanding signed with the requesting state and up to a funding limit to be agreed.

Both Italy and Spain said they did not intend to call on that mechanism to stabilize markets for now, hoping the Brussels agreement will serve as a sufficient deterrent.

Washington said it was encouraged by the progress but White House press secretary Jay Carney told reporters travelling with President Barack Obama that "a lot of details" still needed to be worked out, and the euro zone was likely to need to take further steps in the future.

The International Monetary Fund said the summit had taken "the right steps toward completing monetary union" while ratings agency Fitch said the deal eased near-term pressure on euro zone sovereign ratings.

UNTHINKABLE DECISIONS

In a key concession by EU paymaster Germany, the leaders agreed to waive the ESM's preferred creditor status on lending for Spanish banks, removing a key deterrent to investors buying Spanish government bonds, who feared having to take the first losses in any debt restructuring.

"We have taken decisions that were unthinkable just some months ago," European Commission President Jose Manuel Barroso said.

Despite the concessions by Berlin allowing euro zone rescue funds to be used more flexibly, questions remained about the terms, size and supervision of any future aid for Spain and Italy.

There was also no commitment for now to back up a European bank supervisor with a joint deposit guarantee or a common resolution fund, to avert capital flight and taxpayer losses. However, one EU official said that letting the ESM lend directly to banks once the supervisory body is up and running was a backdoor route to closer fiscal union.

Monti, determined to avoid the political stigma of the bailout terms imposed on Greece, Ireland and Portugal, said countries that complied with EU budget recommendations would not face extra austerity conditions or be subject to intrusive inspections by a "troika" of international lenders.

Eager to avoid the impression that she had blinked first, Merkel said strict conditionality would still apply to the use of rescue funds and countries would face stringent monitoring by the EU Commission and the ECB.

Asked if she had yielded to pressure, she said: "There is clearly pressure from financial markets. Some countries are in a difficult situation. The high interest rates affect the debt but also the real economy. We had an interest in finding solutions."

Merkel reaffirmed her firm opposition to common euro zone bonds.

The Spanish and Italian leaders had threatened to block a package of measures to promote growth to pressure her to accept measures to ease their borrowing costs, delaying the talks.

New French President Francois Hollande backed their calls for bold steps to help the bloc's third and fourth biggest economies, adding to the pressure on Merkel.

Hollande, who had demanded a renegotiation of the fiscal pact to switch Europe's focus from austerity to promoting growth, said he had achieved satisfaction at the summit and would now submit the treaty to parliament for ratification.

While Hollande could claim a step forward in "solidarity", Merkel achieved little immediate progress on her demands for EU authorities to be given the power to override national budgets and economic policies. The issue was kicked down the road to October, when top EU officials led by Van Rompuy will deliver a more detailed report.

CAUTIOUS OPTIMISM

Economists applauded both the short-term measures to steady markets and the longer-term direction, saying that for once, after 20 summits since the crisis began in early 2010, euro zone leaders had exceeded admittedly low expectations.

"I think the ECB being made the banking supervisor is actually the biggest long-term step because it points the way to banking union," said Megan Greene, analyst at Roubini Global Economics, which is often gloomy about the euro zone's future.

"The move to recapitalize banks directly is a big deal and will help to break the ?vicious circle' between banks and sovereigns that has been at the very heart of this crisis," said ABN AMRO economist Nick Kounis, although he added that the euro zone remained "in a muddling-through scenario".

The ESM's ability to inject capital directly into banks will come too late to help Spain recapitalize its debt-laden lenders immediately this year, but it should allow Madrid to remove the cleanup from state books next year, euro zone officials said.

Merkel said finance ministers would have to work out whether the state or the banks would be legally responsible for repayment of the loans thereafter.

Some analysts were more skeptical about the benefits of the deal, given the level of detail left open.

Ireland, which had to take an EU/IMF bailout in 2010 after suffering a similar bank meltdown and property bust to Spain, hailed the decisions as a "game changer", saying it would seek similarly favorable conditions for its own taxpayers.

(Additional reporting by Jan Strupczewski, Julien Toyer, John O'Donnell, Catherine Bremer and Francesco Guarascio in Brussels. Writing by Noah Barkin and Paul Taylor, editing by Mike Peacock)

Source: http://news.yahoo.com/battle-over-spain-italy-rescue-erupts-eu-summit-003041861--sector.html

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Friday, June 29, 2012

Turkey fortifies Syrian border; bomb hits Damascus

BEIRUT (AP) ? Turkey deployed anti-aircraft guns, rocket launchers and other weapons along its border with Syria on Thursday, a military buildup that came as world powers showed new urgency to resolve the crisis before it ignites the region.

A bomb exploded in central Damascus near a busy market and the country's main justice complex, wounding at least three people, damaging cars in a parking lot and sending a black cloud rising above the Syrian capital. It was not clear who was behind the bombing.

Much of the violence that has gripped Syria since the uprising began in March 2011 has been sanctioned by the government of President Bashar Assad to crush dissent. Activists say more than 14,000 people have been killed.

But rebel fighters are launching increasingly deadly attacks on regime targets, and several massive suicide attacks this year suggest al-Qaida or other extremists are joining the fray.

Assad told Iranian state TV Thursday that his country still supports him, and he warned that any intervention in Syria will cause a "domino" effect in the region. He has given similar warnings before, saying the entire Middle East will go up in flames if others meddle in his country.

Turkey, a former ally of Syria, has become one of the strongest critics of the Assad regime, and tensions between the two countries spiked following the downing of a Turkish military plane last week.

A small convoy of Turkish military trucks towing anti-aircraft guns entered a military outpost in the border village of Guvecci, which faces a Syrian military outpost, according to TRT television video.

Several anti-aircraft guns also have been deployed elsewhere along the border. Some trucks were seen carrying self-propelled multiple rocket launchers, the video showed.

Ties between Turkey and Syria have not been this low since the late 1990s, when the neighbors almost went to war. Tensions ran high in the 1980s and 1990s as Turkey developed military ties with Israel and Syria sheltered Turkish Kurd guerrilla leader Abdullah Ocalan.

Now, Turkey is hosting civilian opposition groups as well as hundreds of military defectors who are affiliated with the rebel Free Syrian Army.

Syria insists the Turkish military plane it shot down on June 22 had violated its airspace. Turkey says the jet had unintentionally strayed into Syria's airspace and was inside international airspace when it was brought down over the Mediterranean by Syria.

The search for two missing pilots continued in Syrian waters but hopes for their survival are dim, Turkish authorities said. The Turkish military said search teams have found some pieces of the plane as well as equipment belonging to the pilots.

Syria's state-run TV said the bombing occurred at 1 p.m. in the parking lot of the Palace of Justice, a compound that houses several courts. The site is near the capital's famous Hamidiyeh Market, an area crowded with families stocking up on food and other supplies for the weekend, which begins on Friday in Syria.

Witnesses reported hearing one blast, but state-run TV said there were two. The report also said a roadside bomb was found but did not explode.

An Associated Press reporter at the scene said some cars were charred and many had windshields blown out.

"I did not see any wounded people, but cars and nearby shops were damaged," said Fawaz Mishhim, who was in a nearby market when he heard the explosion.

The government blamed the attack on terrorists, the term it uses to describe rebels. Syria prevents journalists from working independently, making it difficult to verify accounts from either side in the conflict.

The country has been hit by a wave of explosions in recent months, killing dozens of people. Most targeted government security agencies.

Last month, an explosion targeted a military intelligence compound south of Damascus, killing 55 people. It was Syria's deadliest blast.

U.S. State Department spokeswoman Victoria Nuland condemned the latest bombing in Syria. She said that "the longer Assad continues on his current course, the longer he perpetrates violence against his own people, he creates the conditions for this kind of loss of control, including in the capital."

Also Thursday, Syria's state-run news agency, SANA, said terrorists assassinated a professor at the Petrochemical Engineering College at al-Baath University in the central province of Homs, along with five of her relatives.

Gunmen broke into her home and shot her, her parents and three nephews, SANA said.

World powers will meet Saturday in Geneva for talks on Syria, but few observers expect a major breakthrough. Syria has the protection or Russia, a veto-wielding member of the U.N. Security Council, and has so far been impervious to international pressure.

Russian Foreign Minister Sergey Lavrov said Moscow will not endorse a call for Assad to give up power.

"We are not supporting and will not support any external meddling," he said. "External players must not dictate ... to Syrians, but, first of all, must commit to influencing all the sides in Syria to stop the violence."

But U.S. Secretary of State Hillary Rodham Clinton said Thursday it was "very clear" that all the participants at the Geneva meeting ? including Russia ? are on board with a transition plan created by international envoy Kofi Annan.

Clinton told reporters that the invitations to Saturday's meeting in Geneva made clear that representatives "were coming on the basis of (Annan's) transition plan."

Lavrov said it was "obvious that a transitional period is needed to overcome the Syrian crisis," but insisted any plans for the future rest on Syria and that the major powers in Geneva must focus on convincing the opposition groups to soften their demands.

Diplomatic hopes have rested on Russia to agree to a plan that would end the Assad family dynasty, which has ruled Syria for more than four decades. Russia is Syria's most important ally, protector and supplier of arms.

There are few options besides keeping up diplomatic pressure, as an international military intervention is all but ruled out in the near future. Few countries are willing to get deeply involved in such an explosive conflict, and Russia and China have pledged to veto any international attempt to intervene.

In his remarks Thursday to Iranian TV, Assad praised Russia, China ? and Iran ? for supporting his country and "defending tranquility in the region."

___

AP writers Bassem Mroue in Beirut, Albert Aji in Damascus, Syria, Mansur Mirovalev in Moscow, Nasser Karimi in Tehran, Iran, and Selcan Hacaoglu in Ankara, Turkey, contributed to this report.

Source: http://news.yahoo.com/turkey-fortifies-syrian-border-bomb-hits-damascus-183336246.html

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iowahawkblog: LSP Energy. Energy Conservation Devices. Unisolar. Azure Dynamics. Evergreen Solar. Fisker (pending) #ObamaGreenEnergyGraveyard

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More songwriters among Oscar rule changes

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Source: http://news.yahoo.com/more-songwriters-among-oscar-rule-changes-225337934.html

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JVC's Tiny HD Action Camera Looks Like a Freaking Tank [Video]

JVC's new GC-XA1 ADIXXION action camera is loaded, combining the best features of the competition into a compact, everything-proof package. No extra add-ons to buy. Is this the most-powerful compact action footage weapon yet? More »


Source: http://feeds.gawker.com/~r/gizmodo/full/~3/1E10S-Xds88/jvcs-tiny-hd-action-camera-looks-like-a-freaking-tank

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Thursday, June 28, 2012

GOP lawmaker loses in Okla., Hatch wins in Utah

SALT LAKE CITY (AP) ? Republican divisions resurfaced in congressional primaries, with five-term Rep. John Sullivan falling to a tea party backed opponent in Oklahoma while Utah Sen. Orrin Hatch easily defeated another candidate backed by the insurgent group. It was Hatch's first primary challenge since his election to the Senate in 1976.

Jim Bridenstine, a Navy pilot and the former director of a Tulsa space museum, defeated Sullivan on Tuesday, making him the fourth incumbent congressman to lose in primaries this year. Bridenstine labeled Sullivan a career politician and criticized his votes to rescue financial firms during the height of the 2008 economic downtown and to increase the debt ceiling last year.

Sullivan seemed to be caught off guard by the closeness of the race. He had won his five previous elections with an increasingly larger percentage of the vote.

Hatch, 78, had been bracing for a tough re-election battle, but he breezed to victory. Former state Sen. Dan Liljenquist, who survived a 2008 plane crash in Guatemala that killed 11 of 14 on board, won just enough support at the state GOP's nominating convention to advance to the primary.

But Liljenquist faced an overwhelming financial and organizational disadvantage in the primary. Hatch, learning from the defeat two years ago of his Senate colleague Robert Bennett, spent about $10 million blanketing the airwaves and building a campaign operation unlike anything Utah had seen before.

Hatch told the Associated Press in an interview Tuesday night that he was ready to tackle the nation's debt problems and focus on Social Security and Medicare.

"This is my last term," Hatch said. "I'm ready to bite the bullet."

In a third high-profile race, 82-year-old New York Rep. Charlie Rangel won his Democratic primary in spite of a House censure 18 months ago for failing to pay all his taxes and for filing misleading financial disclosure statements.

During the Oklahoma GOP campaign, Bridenstine said Sullivan's history of "substance abuse" made him unfit for office, a reference to Sullivan's battle with alcoholism that involved a one-month stay at the Betty Ford Clinic in California in 2009.

In a series of advertisements and at debates, Bridenstine noted that Sullivan had missed 9 percent of House votes since 2003, much higher than the average rate of 2.4 percent. Sullivan said Bridenstine was making a read-between-the-lines attack on his time at the Betty Ford Center and his missing votes after the death of a child.

Bridenstine, 36, enjoyed the support from many in the tea party movement. He said during the campaign that Sullivan's votes weren't appropriate in a state where President Barack Obama failed to win a single county in 2008.

"He's been there for 10 years and there's a lot of people just like him who have made a career out of this, and when you are a career politician, you vote for things like bailouts, debt ceiling increases, government takeovers, stimulus packages and subsidies," Bridenstine said.

In Hatch's quest for a seventh term, he seemed to have an answer to every criticism. For those who said that 36 years in office was enough, he said that he wouldn't be running again if it weren't for the opportunity to serve as chairman of the Senate Finance Committee if the GOP wins control of the Senate.

For those who said he wasn't conservative enough, he gravitated to the right, scoring a 100 percent rating from the American Conservative Union in 2010 and 2011. His lifetime rating of 89 percent from the ACU would place Hatch among the Senate's most conservative lawmakers.

Liljenquist, 37, a relative newcomer to the Utah political scene, seized on voters' concerns about the growing national debt and tried to make the case that Hatch had been a major contributor to that debt.

A political action committee called FreedomWorks for America spent about $900,000 trying to defeat Hatch. Russ Walker, national political director for the super PAC, said his organization believes it did the right thing by taking on the incumbent. He noted that Hatch's voting record and rhetoric had become more conservative over the past two years.

With the primary victory, Hatch is a huge favorite to win the general election in November against Democratic candidate Scott Howell.

___

Freking reported from Washington. Associated Press writer Sean Murphy in Oklahoma City contributed to this report.

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American Airlines, pilots reach tentative contract

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$696500 :: 13366 Boones Ferry RD, Lake Oswego OR, 97035 ...

Property Photo

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4 beds, 2 full, 1 part baths
Home size: 3,614 sq ft
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Peaceful Executive Estate! Lg Private Lot Bks to Preserve. Stunning Home w/Hardwoods thru out Main floor. 3 gas/wood Fireplaces-Huge Bonus! Master w/2 Wlk In Closets-Crown Molding-Granite-Pantry-Gas Ckg. $ 450 a yr If want to use LO Hi Pool!Deck-Patio Tree View-Shop or 3/4 Car Gar.Parking!Lush Grounds-Home.

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Brought to you by Chris Larsson, Coldwell Banker Seal. Call me today at 503-683-2897!

The content relating to real estate for sale on this web site comes in part from the IDX program of the RMLS? of Portland, Oregon. All real estate listings are marked with the RMLS? logo, and detailed information about these properties includes the names of the listing brokers. Listing content is ? 2009 RMLS?, Portland, Oregon.


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Google Nexus 7 tablet is 7-inch quad-core HD movie, book and game machine

1 day

Just as?Google's developer conference was getting started, details of the company's?rumored Nexus 7 tablet emerged. As previously reported, it is a 7-inch tablet powered by a Nvidia?Tegra 3 quad-core processor?that will run Android 4.1 Jelly Bean, and come in 8GB ($199)?and 16GB versions ($249). You can order today, but it ships in mid-July.

The display is true high-def ? 1280x800, so a bit better than 720p ? and there's a front-facing 1.2-megapixel camera and microphone?for video chatting, though there's no rear-facing camera. (That's okay -- do you really take pictures with tablets?) It also has a micro?USB port, GPS, near-field communication and both Wi-Fi and Bluetooth. There's no mention of an SD card slot for expanding the memory, however.

Not surprisingly, it was built by (and even branded)?Asus, the manufacturer that had already?made the most headway with quad-core gamer-friendly Android tablets. (See our video on the Transformer Prime below.)

Clearly, at a starting price of $199, the Nexus 7 is positioned to compete with the similarly 7-inch?Kindle Fire, rather than taking on the 9.7-inch?iPad (and the 10.6-inch Surface tablet from Microsoft).

Although they were careful to make the device comfortable to hold, with a textured back and light weight, some people just prefer to have a case anyway. And there is indeed a nice little $20 matte polymer cover in which you can ensconce your Nexus 7 and protect its screen. It's available in gray right now, but Asus sent out a picture showing it in a number of bright yet muted colors:

Meanwhile, Google pitched the Nexus 7 ? with its gryoscope and accelerometer ??as "a serious gaming device." By way of example, they showed off the action-heavy game "Horn" and the zombie shooter "Dead Trigger."?

And because, with all of those tablets, content seems to be the biggest incentive, Google is playing up the Play store, even granting early buyers $25 in Google?Play credit and "some great free content" including "Transformers: Dark of the Moon." Even if you don't think any of the "Transformers" films is truly "great," it is nice to see Google aggressively pushing content, even adding TV shows and magazines to their lineup. Tablet buyers need a reason to buy a tablet.?

UPDATE:?Google has made the above video operational again, along with the following links to the?8GB and 16GB versions on Google Play. Have at 'em!?

--?Via TechCrunch and The Verge

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Wednesday, June 27, 2012

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Video: Anticipating the Supreme Court?s health care ruling

Tasty lionfish? Beware nasty toxins

A federal plan to battle the problem of invasive lionfish by dishing them up on America?s dinner plates may have backfired on the news that the flamboyantly finned creatures can harbor a potentially dangerous neurotoxin.

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Wall Street analysts give Facebook cautious nod

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Refugee boat carrying 150 capsizes off northwest Australia

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Sheryl Sandberg, Facebook's Long-Time COO, Becomes First ...

Eric Eldon is the Co-Editor of TechCrunch. He was previously the cofounder and editor of Inside Network, where he managed publications including Inside Facebook, Inside Social Games and Inside Mobile Apps. Before that, he spent a couple years covering technology and finance at VentureBeat, a leading Silicon Valley publication where he was the first employee. While Inside Network sold... ? Learn More

Sheryl Sandberg, Facebook?s four-year chief operating officer, has a new position ? and one many people thought she should have gotten long ago. She?s now the first woman on the company?s board of directors.

She?ll have her own vote in all company matters, Facebook confirms with us.?Board members of the public company are elected by the existing board or by shareholders (in this case she was elected by the other members).

Sandberg has visibly earned the position during her tenure, building and running the social network?s business operations, which include ?sales, marketing, business development, human resources, public policy and communications? as Facebook has grown to be worth billions. She?s also become a top advocate for female leadership in the workplace, writing and speaking on the topic for years ? particularly on how she has managed such a high-profile job while having a family.

Given her number two position at the company, her success over the years, and the lack of diversity on the board, many outsiders have already thought this new position would be a good fit for her.

?Sheryl has been my partner in running Facebook and has been central to our growth and success over the years,? said Mark Zuckerberg, founder and CEO of Facebook, in a statement. ?Her understanding of our mission and long-term opportunity, and her experience both at Facebook and on public company boards makes her a natural fit for our board.?

The existing board members:

  • Mark Zuckerberg, founder and chief executive
  • Marc L. Andreessen, Andreessen Horowitz
  • Erskine B. Bowles, president emeritus, University of North Carolina system
  • James W. Breyer, Accel Partners
  • Donald E. Graham, chairman and CEO, The Washington Post Company
  • Reed Hastings, chairman and CEO, Netflix
  • Peter A. Thiel, Founders Fund.

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Tuesday, June 26, 2012

NFCC Financial Education Blog ? Our Dependency on Technology ...

By Morgan Gee, Certified Credit Counselor

Note: Prior to reading this article it may be important for the reader to know that my cell phone doesn?t take pictures, I do not text and I am seriously considering cancelling my cable satellite because of a $2 a month tax increase.

For what some people consider a routine cell phone bill I consider a decent car payment.

I recently counseled a single mother who is a licensed LPN and brings home a decent wage. However she is seven months behind on her mortgage and the gas company has shut off her service. Despite this and her contemplating giving her house back to the bank, she takes pride in the fact that she is current on her cell phone, cable and Internet. She thinks she doesn?t make enough money. Cable, Internet and cell phone usage was costing her nearly $400 a month. Her reaction to my suggestion of either cutting back or out some of the above mentioned items in her budget? Let me say it was less than enthusiastic.

When did we become so financially dependent, and I will argue psychologically also, to our phones and television? We place the same degree of importance on our cable and Internet and cell phones as heating and cooling our home or putting food in our refrigerator.

I hear from clients that ?cable is their only form of entertainment? so contemplating living without it would be like not having air. Phones are not used to talk to people anymore; they are so 24 hours a day someone can text, tweet or email us and have our undivided attention whenever they need it. Heaven forbid we actually go to the grocery store, to work, drive a car or take our child to the park to play without using our cell phone. When did these become things that we ?cannot? live without?

Everyone has a different idea of a ?must-have? in his or her monthly budget. Should someone want to spend $400 a month on technology ?must haves? and they are paying their bills on time AND they are making a monthly contribution to a savings account, then I see nothing wrong with that.

But the prices of these items keep increasing (thanks in part to a competitive cell phone provider industry and the fact that we happily go along with them) and many of us consumers refuse to reduce these expenses. Instead some forgo paying a bill that is rightly a necessity or use it as a reason why they cannot pay back a debt.?

With technology ever changing we keep raising the bar on these must-haves and raising our monthly expenses along with it. (Someone asked me once since my phone didn?t have a camera option how did I take pictures? ?With a camera?, I replied.) We have to DVR our television shows that we may or may not ever watch and we have to download applications to our cell phones to remind us to pay our cell phone bill.

Technological advancement is a brilliant thing. Our ever-growing financial dependence on it is not.

Morgan Gee is a Certified Credit Counselor with Chestnut Credit Counseling Services. Chestnut Credit Counseling Services is a member of the National Foundation for Credit Counseling.

Views expressed are the personal views of the author, and do not represent the views of the National Foundation for Credit Counseling, its employees, its members, or its clients.


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