Wednesday, January 30, 2013

Cub Scout pack drops gay-friendly policy amid pressure

By Miranda Leitsinger, Staff Writer, NBC News

A Cub Scout pack in Maryland has decided to jettison its gay-friendly membership guidelines under threat of losing its Boy Scouts of America charter, according to a statement on the pack?s website.

Pack 442 of Cloverly, Md., had adopted a non-discrimination policy that read: ?Pack 442 WILL NOT discriminate against any individual or family based on race, religion, national origin, ability, or sexual orientation.?

But over the weekend, the pack posted a notice on its website reading: ?Due to pressure from the National Capital Area Council of BSA, Pack 442 was forced to remove its Non-Discrimination statement in order to keep our Charter (set to expire Jan 31st). This Non-Discrimination statement, previously posted here, welcomed ALL families.?

The pack?s position ran counter to the Boy Scouts? membership guidelines, which ban openly gay members or leaders.?

Activist groups stepped up their campaign to end the longstanding ban last year after California teen Ryan Andresen was denied the Eagle rank because he is gay, and following the dismissal of Jennifer Tyrrell as den leader of her son?s Tiger Cub pack in Ohio because she is a lesbian.

Theresa Phillips, committee chair of Pack 442, said her group had the same motivations.

?I think we need to start at this level,? she told NBC News on Saturday. ?We need to teach the boys ? respect for other people and their lifestyles.?

A call placed to Phillips on Monday seeking comment on the removal of the policy was not immediately returned. It was not clear if the pack would continue to accept all families under a ?don?t ask, don?t tell? approach similar to the one used by the military until it was rescinded last year.

Cub Scout pack may lose charter if it keeps gay-friendly policy

The pack?s member families approved the non-discrimination policy last August, and it was discussed in detail with district leaders and the regional council, to which the pack belongs, from August through October.

The issue appeared to be settled, but when the council ?contacted us a few weeks ago pressuring us to remove our statement, we attempted to negotiate a rewording of the statement that would represent a compromise on the matter, but ultimately NCAC leadership felt only removal of the statement would be acceptable,? the pack said on its website.

?It's clear to us that they chose this time to bring that up because they knew that we needed to recharter at the end of January,? Phillips said.

Scout Executive Les Baron, a council leader, confirmed to NBC News on Friday that the pack could lose its charter if it maintained the policy: The ?policy of the Boy Scouts are what they are and my job is to not bring into (it) my own personal feelings.?

The pack committee had been split on a way forward, which prompted a poll on whether they would keep the policy and possibly not be rechartered, or if they would remove it and return to a ?don?t ask, don?t tell? policy welcoming all families.

The poll, which ended Friday night and was conducted on the pack website, came out 53 percent in favor of reverting to ?don?t ask, don?t tell? and 47 percent backing the new policy, said Phillips, who voted in favor of explicitly including gays and lesbians. The poll had called for a two-thirds majority, she said.

The Boy Scouts reaffirmed its ban on gays and lesbians in 2012 following a two-year confidential review.

A national BSA spokesman, Deron Smith, said in an email on Friday that the private organization "has policies that all councils and local units agree to follow."

Related:?
Gay teen denied Eagle Scout: 'Change is happening' over Boy Scouts anti-gay policy
Eagle Scouts return badges to protest policy banning gays
Boy Scouts: We're keeping policy banning gays

Source: http://usnews.nbcnews.com/_news/2013/01/28/16738860-cub-scout-pack-were-dropping-gay-friendly-policy-in-face-of-boy-scouts-pressure?lite

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Rupert Sanders' wife files for divorce in LA

LOS ANGELES (AP) ? Rupert Sanders' wife has filed for divorce five months after it was revealed the director had a brief affair with actress Kristen Stewart.

Liberty Ross, Sanders' wife of more than nine years, filed for divorce Friday in Los Angeles citing irreconcilable differences.

Ross' filing cites irreconcilable differences for the couple's breakup. They have two children, an 8-year-old daughter and 6-year-old son.

The model-actress is seeking joint custody of the children and spousal support from her estranged husband, who directed Stewart in "Snow White and the Huntsman."

TMZ, which first reported the filing, stated that Sanders also filed divorce paperwork but it was not available on Monday.

Stewart, who has been dating "Twilight" co-star Robert Pattinson, apologized for her fling with Sanders in July after it was revealed by US Weekly.

Source: http://news.yahoo.com/rupert-sanders-wife-files-divorce-la-012146976.html

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Tuesday, January 29, 2013

PFT: Former 49er Harris arrested for assault

AFC Championship - Baltimore Ravens v New England PatriotsGetty Images

So you come home at the end of a long work day, put the keys on the counter, and check the answering machine.

After the reminder about your kid?s doctors appointment, and the neighbors asking you to clean up after your dog, imagine if this is the next message:

?Hi, this is Tom Brady calling, . . .?

If he could have followed it up with ?Can Gronk come out and play?? he might be otherwise occupied this week.

But according to Mike Reiss of ESPNBoston.com, the Patriots are using their star quarterback?s voice to send out a message of thanks to their season-ticket holders.

?On behalf of the entire Patriots organization, I want to thank you for the tremendous support you showed our team this past season,? the message continues. ?Your enthusiasm and passion in the stadium really motivated me and the team on game day. Thanks for being our 12th man on the field. As a season-ticket holder you help provide the foundation for our team?s success and we look forward to welcoming you back in 2013.?

It?s one thing to send a letter or a trinket, but the Patriots are giving their fans a chance to have Tom Brady in their voice mail.

If they really appreciated their fans, they?d get Bill Belichick to record the message next year.

?Thanks. . . . Bye.?

Source: http://profootballtalk.nbcsports.com/2013/01/28/former-niners-lineman-charged-with-assaulting-boyfriend/related/

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Monday, January 28, 2013

Scouts considering retreat from no-gays policy

FILE - In this July 18, 2012 file photo, Jennifer Tyrrell, right, arrives for a meeting at the Boys Scouts of America national offices in Irving, Texas, with her son Jude Burns, 5, second from right, partner Alicia Burns, and son Cruz Burns, 7, left. The Ohio woman was ousted as a den mother because she is a lesbian. The Boys Scouts of America announced Monday, Jan. 28, 2013, that it is considering a dramatic retreat from its controversial policy of excluding gays as leaders and youth members. (AP Photo/LM Otero, File)

FILE - In this July 18, 2012 file photo, Jennifer Tyrrell, right, arrives for a meeting at the Boys Scouts of America national offices in Irving, Texas, with her son Jude Burns, 5, second from right, partner Alicia Burns, and son Cruz Burns, 7, left. The Ohio woman was ousted as a den mother because she is a lesbian. The Boys Scouts of America announced Monday, Jan. 28, 2013, that it is considering a dramatic retreat from its controversial policy of excluding gays as leaders and youth members. (AP Photo/LM Otero, File)

FILE - In this July 18, 2012 file photo, Jennifer Tyrrell hugs her son Cruz Burns, 7, outside Boy Scouts national offices in Irving, Texas, after a meeting with representatives of the 102-year-old organization. The Ohio woman was ousted as a den mother because she is a lesbian. The Boys Scouts of America announced Monday, Jan. 28, 2013, that it is considering a dramatic retreat from its controversial policy of excluding gays as leaders and youth members. (AP Photo/LM Otero, File)

(AP) ? The Boy Scouts of America may soon give sponsors of troops the authority to decide whether to accept gays as scouts and leaders - a potentially dramatic retreat from a nationwide no-gays policy that has provoked relentless protests.

Under the change now being discussed, the different religious and civic groups that sponsor Scout units would be able to decide for themselves how to address the issue ? either maintaining an exclusion of gays, as is now required of all units, or opening up their membership.

Gay-rights activists were elated at the prospect of change, sensing another milestone to go along with recent advances for same-sex marriage and the end of the ban on gays serving openly in the military.

However, Southern Baptist leaders ? who consider homosexuality a sin ? were furious about the possible change and said its approval might encourage Southern Baptist churches to support other boys' organizations instead of the BSA.

Monday's announcement of the possible change comes after years of protests over the no-gays policy ? including petition campaigns that have prompted some corporations to suspend donations to the Boy Scouts.

Under the proposed change, said BSA spokesman Deron Smith, "the Boy Scouts would not, under any circumstances, dictate a position to units, members, or parents."

Smith said the change could be announced as early as next week, after BSA's national board concludes a regularly scheduled meeting on Feb. 6. The meeting will be closed to the public.

The BSA, which celebrated its 100th anniversary in 2010, has long excluded both gays and atheists. Smith said a change in the policy toward atheists was not being considered, and that the BSA continued to view "Duty to God" as one of its basic principles.

Protests over the no-gays policy gained momentum in 2000, when the U.S. Supreme Court upheld the BSA's right to exclude gays. Scout units lost sponsorships by public schools and other entities that adhered to nondiscrimination policies, and several local Scout councils made public their displeasure with the policy.

More recently, pressure surfaced on the Scouts' own national executive board. Two high-powered members ? Ernst & Young CEO James Turley and AT&T CEO Randall Stephenson ? indicated they would try to work from within to change the membership policy, which stood in contrast to their own companies' non-discrimination policies.

Amid petition campaigns, shipping giant UPS Inc. and drug-manufacturer Merck announced that they were halting donations from their charitable foundations to the Boy Scouts as long as the no-gays policy was in force.

Also, local Scout officials drew widespread criticism in recent months for ousting Jennifer Tyrrell, a lesbian mom, as a den leader of her son's Cub Scout pack in Ohio and for refusing to approve an Eagle Scout application by Ryan Andresen, a California teen who came out as gay last fall.

Tyrrell said she's thrilled for parents and their children who've been excluded from scouting and "for those who are in Scouts and hiding who they are."

"For me it's not just about the Boy Scouts of America, it's about equality," she told The Associated Press. "This is a step toward equality in all aspects."

Many of the protest campaigns, including one seeking Tyrrell's reinstatement, had been waged with help from the Gay & Lesbian Alliance Against Defamation.

"The Boy Scouts of America have heard from scouts, corporations and millions of Americans that discriminating against gay scouts and scout leaders is wrong," said Herndon Graddick, GLAAD's president. "Scouting is a valuable institution, and this change will only strengthen its core principles of fairness and respect."

Among those urging the Boy Scouts to keep the no-gays policy was Tony Perkins, president of the conservative Family Research Council.

"The Boy Scouts of America board would be making a serious mistake to bow to the strong-arm tactics of LGBT activists and open the organization to homosexuality," Perkins said. "The Boy Scouts should stand firm in their timeless values and respect the right of parents to discuss these sexual topics with their children."

The Scouts had reaffirmed the no-gays policy as recently as last year, and appeared to have strong backing from conservative religious denominations ? notably the Mormons, Roman Catholics and Southern Baptists ? which sponsor large numbers of Scout units. Under the proposed change, they could continue excluding gays.

Prior to Monday's announcement, the BSA conferred with some leaders of these religious groups, including the Rev. Frank Page, who leads the Southern Baptist Executive Committee.

According Roger S. Oldham, a spokesman for the executive committee, Page then wrote to the Scouts "expressing his tremendous dismay at the decision."

"They had been working for months on this proposal and just days before they informed us," Oldham said in a telephone interview. "We would anticipate that there would be a very significant backlash to this as churches reevaluate whether scouting comports with."

If the Scouts proceed with the change, Oldham said, SBC leaders were likely to issue a statement "expressing disappointed and encouraging our churches to support alternative boys organizations."

Neither the Catholic Church nor the Mormons' Church of Jesus Christ of Latter-day Saints issued official statements as to how they would respond.

Said Sister Mary Ann Walsh, a spokeswoman for the U.S. Conference of Catholic Bishops, "The bishops hope the Boy Scouts will continue to work under the Judeo-Christians principles upon which they were founded and under which they have served youth well."

Were the change adopted, said Deron Smith, "there would no longer be any national policy regarding sexual orientation, and the chartered organizations that oversee and deliver Scouting would accept membership and select leaders consistent with each organization's mission, principles, or religious beliefs.

"BSA members and parents would be able to choose a local unit that best meets the needs of their families," he said. "Under this proposed policy, the BSA would not require any chartered organization to act in ways inconsistent with that organization's mission, principles, or religious beliefs."

The announcement came shortly after new data showed that membership in the Cub Scouts ? the BSA's biggest division ? dropped sharply last year, and was down nearly 30 percent over the past 14 years.

According to figures provided by the organization, Cub Scout ranks dwindled by 3.4 percent, from 1,583,166 in 2011 to 1,528,673 in 2012. That's down from 2.17 million in 1998.

The Boy Scouts attribute the decline largely to broad social changes, including the allure of video games and the proliferation of youth sports leagues and other options for after-school activities.

However, critics of the Scouts suggest that its recruitment efforts have been hampered by high-profile controversies ? notably the court-ordered release of files dealing with sex abuse allegations and persistent protests over the no-gays policy.

The BSA's overall "traditional youth membership" ? Cub Scouts, Boy Scouts and Venturers ? totaled 2,658,794 in 2012, compared to more than 4 million in peak years of the past. There were 910,668 Boy Scouts last year, a tiny increase from 2011, while the ranks of Venturers ? a program for youths 14 and older? declined by 5.5 percent.

In addition to flak over the no-gays policy, the Scouts have been buffeted by multiple court cases related to past allegations of sexual abuse by Scout leaders, including those chronicled in long-confidential records that are widely known as the "perversion files."

Through various cases, the Scouts have been forced to reveal files dating from the 1960s to 1991. They detailed numerous cases where abuse claims were made and Boy Scout officials never alerted authorities and sometimes actively sought to protect the accused.

The Scouts are now under a California court order, affirmed this month by the state Supreme Court, to turn over sex-abuse files from 1991 through 2011 to the lawyers for a former Scout who claims a leader molested him in 2007, when he was 13. It's not clear how soon the files might become public.

The BSA has apologized for past lapses and cover-ups, and has stressed the steps taken to improve youth protection policy. Since 2010, for example, it has mandated that any suspected abuse be reported to police.

___

Associated Press writers John Seewer in Toledo, Ohio, and Rachel Zoll in New York contributed to this report.

___

Boy Scouts: http://www.scouting.org/

___

David Crary can be reached at http://twitter.com/CraryAP

Associated Press

Source: http://hosted2.ap.org/apdefault/3d281c11a96b4ad082fe88aa0db04305/Article_2013-01-28-Boy%20Scouts-Gays/id-b906a1f5c739428ebddba668356e3bf3

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Source: http://hotstepparentingblendedfamilies583.blogspot.com/2013/01/the-stepdad-guide-resolving-family.html

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Here is the Bi Partisan (yes, bi partisan) immigration reform plan ...

(Below sent to me by my FNC colleague Mike Emanuel)

??-

Bipartisan Framework for Comprehensive Immigration Reform

Senators Schumer, McCain, Durbin, Graham, Menendez, Rubio, Bennet, and Flake

Introduction

We recognize that our immigration system is broken. And while border security has improved significantly over the last two Administrations, we still don?t have a functioning immigration system. This has created a situation where up to 11 million undocumented immigrants are living in the shadows. Our legislation acknowledges these realities by finally committing the resources needed to secure the border, modernize and streamline our current legal immigration system, while creating a tough but fair legalization program for individuals who are currently here. We will ensure that this is a successful permanent reform to our immigration system that will not need to be revisited.

Four Basic Legislative Pillars:

o Create a tough but fair path to citizenship for unauthorized immigrants currently living in the United States that is contingent upon securing our borders and tracking whether legal immigrants have left the country when required;

o Reform our legal immigration system to better recognize the importance of characteristics that will help build the American economy and strengthen American families;

o Create an effective employment verification system that will prevent identity theft and end the hiring of future unauthorized workers; and,

o Establish an improved process for admitting future workers to serve our nation?s workforce needs, while simultaneously protecting all workers.

I. Creating a Path to Citizenship for Unauthorized Immigrants Already Here that is Contingent Upon Securing the Border and Combating Visa Overstays

? Our legislation will provide a tough, fair, and practical roadmap to address the status of unauthorized immigrants in the United States that is contingent upon our success in securing our borders and addressing visa overstays.

? To fulfill the basic governmental function of securing our borders, we will continue the increased efforts of the Border Patrol by providing them with the latest technology, infrastructure, and personnel needed to prevent, detect, and apprehend every unauthorized entrant.

? Additionally, our legislation will increase the number of unmanned aerial vehicles and surveillance equipment, improve radio interoperability and increase the number of agents at and between ports of entry. The purpose is to substantially lower the number of successful illegal border crossings while continuing to facilitate commerce.

2

? We will strengthen prohibitions against racial profiling and inappropriate use of force, enhance the training of border patrol agents, increase oversight, and create a mechanism to ensure a meaningful opportunity for border communities to share input, including critiques.

? Our legislation will require the completion of an entry-exit system that tracks whether all persons entering the United States on temporary visas via airports and seaports have left the country as required by law.

? We recognize that Americans living along the Southwest border are key to recognizing and understanding when the border is truly secure. Our legislation will create a commission comprised of governors, attorneys general, and community leaders living along the Southwest border to monitor the progress of securing our border and to make a recommendation regarding when the bill?s security measures outlined in the legislation are completed.

? While these security measures are being put into place, we will simultaneously require those who came or remained in the United States without our permission to register with the government. This will include passing a background check and settling their debt to society by paying a fine and back taxes, in order to earn probationary legal status, which will allow them to live and work legally in the United States. Individuals with a serious criminal background or others who pose a threat to our national security will be ineligible for legal status and subject to deportation. Illegal immigrants who have committed serious crimes face immediate deportation.

? We will demonstrate our commitment to securing our borders and combating visa overstays by requiring our proposed enforcement measures be complete before any immigrant on probationary status can earn a green card

? Current restrictions preventing non-immigrants from accessing federal public benefits will also apply to lawful probationary immigrants.

? Once the enforcement measures have been completed, individuals with probationary legal status will be required to go to the back of the line of prospective immigrants, pass an additional background check, pay taxes, learn English and civics, demonstrate a history of work in the United States, and current employment, among other requirements, in order to earn the opportunity to apply for lawful permanent residency. Those individuals who successfully complete these requirements can eventually earn a green card.

? Individuals who are present without lawful status ? not including people within the two categories identified below ? will only receive a green card after every individual who is already waiting in line for a green card, at the time this legislation is enacted, has received their green card. Our purpose is to ensure that no one who has violated America?s immigration laws will receive preferential treatment as they relate to those individuals who have complied with the law.

3

? Our legislation also recognizes that the circumstances and the conduct of people without lawful status are not the same, and cannot be addressed identically.

o For instance, individuals who entered the United States as minor children did not knowingly choose to violate any immigration laws. Consequently, under our proposal these individuals will not face the same requirements as other individuals in order to earn a path to citizenship.

o Similarly, individuals who have been working without legal status in the United States agricultural industry have been performing very important and difficult work to maintain America?s food supply while earning subsistence wages. Due to the utmost importance in our nation maintaining the safety of its food supply, agricultural workers who commit to the long term stability of our nation?s agricultural industries will be treated differently than the rest of the undocumented population because of the role they play in ensuring that Americans have safe and secure agricultural products to sell and consume. These individuals will earn a path to citizenship through a different process under our new agricultural worker program.

II. Improving our Legal Immigration System and Attracting the World?s Best and Brightest

? The development of a rational legal immigration system is essential to ensuring America?s future economic prosperity. Our failure to act is perpetuating a broken system which sadly discourages the world?s best and brightest citizens from coming to the United States and remaining in our country to contribute to our economy. This failure makes a legal path to entry in the United States insurmountably difficult for well-meaning immigrants. This unarguably discourages innovation and economic growth. It has also created substantial visa backlogs which force families to live apart, which incentivizes illegal immigration.

? Our new immigration system must be more focused on recognizing the important characteristics which will help build the American economy and strengthen American families. Additionally, we must reduce backlogs in the family and employment visa categories so that future immigrants view our future legal immigration system as the exclusive means for entry into the United States.

? The United States must do a better job of attracting and keeping the world?s best and brightest. As such, our immigration proposal will award a green card to immigrants who have received a PhD or Master?s degree in science, technology, engineering, or math from an American university. It makes no sense to educate the world?s future innovators and entrepreneurs only to ultimately force them to leave our country at the moment they are most able to contribute to our economy.

4

III. Strong Employment Verification

? We recognize that undocumented immigrants come to the United States almost exclusively for jobs. As such, dramatically reducing future illegal immigration can only be achieved by developing a tough, fair, effective and mandatory employment verification system. An employment verification system must hold employers accountable for knowingly hiring undocumented workers and make it more difficult for unauthorized immigrants to falsify documents to obtain employment. Employers who knowingly hire unauthorized workers must face stiff fines and criminal penalties for egregious offenses.

? We believe the federal government must provide U.S. employers with a fast and reliable method to confirm whether new hires are legally authorized to work in the United States. This is essential to ensure the effective enforcement of immigration laws.

? Our proposal will create an effective employment verification system which prevents identity theft and ends the hiring of future unauthorized workers. We believe requiring prospective workers to demonstrate both legal status and identity, through non-forgeable electronic means prior to obtaining employment, is essential to an employee verification system; and,

? The employee verification system in our proposal will be crafted with procedural safeguards to protect American workers, prevent identity theft, and provide due process protections.

IV. Admitting New Workers and Protecting Workers? Rights

? The overwhelming majority of the 327,000 illegal entrants apprehended by CBP in FY2011 were seeking employment in the United States. We recognize that to prevent future waves of illegal immigration a humane and effective system needs to be created for these immigrant workers to enter the country and find employment without seeking the aid of human traffickers or drug cartels.

? Our proposal will provide businesses with the ability to hire lower-skilled workers in a timely manner when Americans are unavailable or unwilling to fill those jobs.

? Our legislation would:

o Allow employers to hire immigrants if it can be demonstrated that they were unsuccessful in recruiting an American to fill an open position and the hiring of an immigrant will not displace American workers;

o Create a workable program to meet the needs of America?s agricultural industry, including dairy to find agricultural workers when American workers are not available to fill open positions;

o Allow more lower-skilled immigrants to come here when our economy is creating jobs, and fewer when our economy is not creating jobs;

5

o Protect workers by ensuring strong labor protections; and,

o Permit workers who have succeeded in the workplace and contributed to their communities over many years to earn green cards.


Source: http://gretawire.foxnewsinsider.com/2013/01/28/here-is-the-bi-partisan-yes-bi-partisan-immigration-plan/

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Sunday, January 27, 2013

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Bahrain police, mourners clash after boy's funeral

MANAMA, Bahrain (AP) ? Riot police and mourners have clashed in Bahrain following the funeral of an 8-year-old boy whom opposition groups claim died from respiratory problems triggered by heavy tear gas.

Officials did not immediately comment on the cause of the boy's death after he was hospitalized Jan. 19.

Rights groups and others have complained about intense tear gas use by Bahraini forces during nearly two years of unrest.

Hundreds of mourners staged a protest march following Sunday's burial, but were dispersed by riot police firing tear gas and stun grenades. Some protesters hurled firebombs.

Bahrain has been wracked by conflict between the Sunni-led monarchy and majority Shiites seeking a greater political voice.

More than 55 people have died in the unrest in the strategic kingdom, home to the U.S. Navy's 5th Fleet.

Source: http://news.yahoo.com/bahrain-police-mourners-clash-boys-funeral-160130827.html

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Availing Email marketing Firm | Marketing

A business always banks upon the emblem visibility. Today, while using the massive popularity while in the domain of internet, business houses happen to be keen in promoting their services and products inside the online periphery. Herein, the internet marketing has evolved to benefit the business houses within the easiest way. With each day, seo has transformed itself for that good and at last widened the scope to farthest extent. The idea of facebook marketing soon evolved as internet was a prospective platform of sharing and initiating informal dialogues. Conjointly evolved facebook marketing firms that offer comprehensive online marketing services. These companies incorporate different web marketing ideas and methods as well as facebook marketing packages differ from the other.

With the deterioration of your use of print and broadcast media for an advertising media, email marketing has become the most popular alternative. An expert social media firm renders all encompassing SMM service, performed to meet your company requirements towards best. The SMM services besides try to increase your web visibility and also aim to generate visitors to your web blog and turn visitors into potential lead.

Social media marketing (SMM) is evolving at this type of rapid rate because of the rise in popularity of the social websites sites. A social media marketing firm is dedicated in providing the service that may evoke interest one of several online audience and lead them to your internet site. Companies create fan pages and business pages on websites, feed in information to some targeted pair of audience as well as in the procedure enhance their online presence. Marketing through these online platforms help a profitable business to make a buzz in the online domain, along the way get them to popular between the online searchers.

A social websites firm also utilizes e-mail marketing inside most effective way to optimize websites. Then, there are additional related services that really help the organization houses enhance their online presence. Social media optimization (SMO) services are one of several key components of SMM. SMO services will include a plethora of activities that seek to boost the brand visibility in the business houses. Article submission, classified advertisement, video promotion, PPT campaigning are some of the most common facets of Advertising and marketing optimization service.

A social media firm also undertakes Pay-per-click (PPC) campaigns as a way to generate increased traffic to the business. Social media marketing experts also promote vouchers and workout other innovative measures to retain your company?s customers. It is undeniable that right kind of SMM services requires expert guidance and even while you gaze to hire social websites firm, you have to guarantee that they may be offering you an all-inclusive service. Though social websites packages will unquestionably vary from one firm to a new, the help seek to serve exactly the same common purpose, that may be, to improve the internet visibility with the business and generate online traffic.

Browse the world wide web to find a SMM company and ask for some references from the clients they?ve got served. After validating the reputation, shortlist a few of the SMM firms and ask for quotes. SMM would not demand extravagant expenses, so it is recommended to choose the company which provides the most cost-effective email marketing packages.

Social Media marketing is just about the best ways of promoting your website and enhancing the web visibility, in particular.

Source: http://www.coolyourmyspace.com/social-media/availing-email-marketing-firm.html

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Saturday, January 26, 2013

Video: Protesters march in D.C. for end to gun violence

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Source: http://video.today.msnbc.msn.com/today/50597582/

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Ben and Me: Apps Day Review -- SentenceBuilderTeen (Mobile ...

The Mobile Education Store was born from a father?s desire to help his special needs daughter. ?Our family had invested thousands of dollars in special education software, and almost always came away from the experience disappointed. ?Not only were the programs incredibly expensive, but they lacked the variety of content and engaging play that makes our daughter WANT to play. ?We exist to fill the large gap that exists between the availability and cost of commercial special needs software and the needs of everyday parents.
Since that time, this incredible company has given us the opportunity to review 2 more Language Arts apps -- SentenceBuilderTeen and TenseBuilder. Watch for my review of TenseBuilder later today! SentenceBuilderTeen is designed to help teens learn how to build grammatically correct sentences. With 3 levels of play, your student will build sentences based on 100 teen-friendly photos, choosing between photos that will appeal to girls or boys.?

Here's an example of a Level One exercise:?

The photos used are just stunning. The sentences are formed by tapping on the correct word or phrase to compose the best sentence. Once the words have been chosen, the student taps "select" and finds out immediately if they are correct. If they are not, they are given the opportunity to try again until they get it right.?

There are a couple of options provided, among them, ?audio clips for "correct answer reinforcement and/or audio instruction. For example, in the above exercise, the (real, live not computer-generated) voice says:

Audio Instruction: "Make a sentence about the picture."

Correct Answer Reinforcement: "That's right. The correct answer is, 'The people are falling out of the raft.'"

When both of these option are turned off, there is still an audio voice, in the form of encouragement. Some of the encouraging words heard by Ben were, "You are learning fast," "Tremendous!" and "That was first class work!" when he selected the correct answer.?

When an incorrect answer was given, he heard words such as, "You are really trying!" and "That was so close."

The app slso tracks the student's progress:

Just so you can see the differences in level of difficulty, here's a screenshot of exercises in levels 2 (left) and 3 (right):?



This is a language arts app that is appealing to all kinds of learners -- auditory, visual, and tactile (Ben has elements of all 3). Bear in mind that it was developed for children with special needs. For Ben at age 11/12, it wasn't terribly challenging, but he is pretty advanced in language arts (reading and spelling at a high school level). And he actually does he still does enjoy using it, even if only because it's fun to compose sentences around such lovely photographs and not have to write them out. It is a great way to introduce/reinforce different parts of speech. While I didn't have been diagram the sentences, I did have him verbally identify different parts of speech.

Speaking of the photos -- because that can be a concern for many -- I looked through the app for both boys and girls and did not find much most conservative, Christian families would object to. There are a few on the girls side with clothing that is not as modest as some would like, including mini-skirts, bare shoulders, and short shorts. Here's an example:

The cost for SentenceBuilderTeen is $5.99 on the Appstore and is compatible with iPad only --iOS 4.3 or later.


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??2007-2013 Ben and Me. All rights reserved. All text, photographs, artwork, and other content may not be reproduced or transmitted in any form without the written consent of the author. http://benandme.com


Source: http://www.benandme.com/2013/01/apps-day-review-sentencebuilderteen.html

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SWOCC Small Business Development Center Director Achieves ...

Coos Bay ? The Southwestern Oregon Community College Small Business Development Center (SBDC) is pleased to announce Director Arlene Soto has passed the NASBITE Certified Global Business Professional (CGBP) exam. The NASBITE CGBP certification confirms knowledge in international trade and assures that credential holders are able to practice global business at the professional level required in today?s competitive environment. International trade skills tested include; global business management, global marketing, supply chain management and trade finance.

According to Ms. Soto, ?Achieving this certification allows the SWOCC SBDC to better serve the small business community with answers to international business questions. Business in this high tech world has become more global.?

The Small Business Administration (SBA) reports that small businesses represent 98% of U.S. firms exporting goods and services. International trade complexity makes global business assistance an important service provided by Small Business Development Center professionals.

NASBITE is an organization of small business international trade educators and SBDC personnel from the U.S., Canada and Mexico. Ms. Soto served as NASBITE President from April 2007 through March 2008. In April 2012 she was recognized by NASBITE International as a NASBITE fellow.

Source: http://www.socc.edu/news/swocc-small-business-development-center-director-a.shtml

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Friday, January 25, 2013

Video: The March to Dow 1,400

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Source: http://video.msnbc.msn.com/cnbc/50585152/

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Jindal raps fellow Republicans for narrow focus

CHARLOTTE, North Carolina (Reuters) - Louisiana Governor Bobby Jindal sharply criticized his own party on Thursday for its narrow focus on Washington-based budget battles and said Republicans need to revamp their message if they hope to recover from November's painful election losses.

In a blunt speech certain to bolster speculation about his 2016 presidential ambitions, Jindal told Republican leaders they must "stop being the stupid party" and broaden their effort to appeal to every American voter.

"The Republican Party does not need to change our principles - but we might need to change just about everything else we do," Jindal told the winter meeting of the Republican National Committee.

Jindal said Republicans have become obsessed with the details of the political budget wars in Washington and have failed to spell out for voters across the country the party's core economic principles of growth.

"A debate about which party can better manage the federal government is a very small and shortsighted debate," Jindal said. "If our vision is not bigger than that, we do not deserve to win."

With his message to party leaders, who are in Charlotte to discuss ways to recover from November's election loss to President Barack Obama, Jindal clearly offered himself as someone who could help lead Republicans back to victory in 2016.

The party is looking for ways to appeal to growing minority voting blocs like Hispanics and Asians and to bolster their support among women, all of whom helped push Obama to victory over Republican nominee Mitt Romney in November.

Jindal, the son of Indian immigrants, called for Republicans to reject identity politics and appeal to every American. He also took a clear swipe at Romney and his secretly recorded comment that 47 percent of Americans were government dependent and would not vote for him.

"We must compete for every single vote ? the 47 percent and the 53 percent, and any other combination that adds up to 100 percent," Jindal said.

Jindal told party leaders it was time to "recalibrate the compass of conservatism" and focus on ideas to grow the economy in places beyond the Washington area.

He suggested re-thinking every social program operated by the federal government and dramatically reducing its size.

Conservative Republicans have fallen into a "sideshow trap" by focusing on budget battles with Obama over raising the debt limit and "fiscal cliff" spending cuts and tax increases, he said.

"Today's conservatism is completely wrapped up in solving the hideous mess that is the federal budget," Jindal said. "We seem to have an obsession with government bookkeeping. This is a rigged game, and it is the wrong game for us to play."

Jindal's attack on congressional Republicans comes at a time when polls show their approval ratings have dropped into the low and mid-teens, making it relatively risk-free.

"We as Republicans have to accept that government number crunching - even conservative number crunching - is not the answer to our nation's problems," Jindal said.

"If you take nothing else away from what I say today, please understand this - we must not become the party of austerity. We must become the party of growth."

(Editing by Will Dunham)

Source: http://news.yahoo.com/jindal-raps-fellow-republicans-narrow-focus-021025766--business.html

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New Israeli political star sets lofty expectations

In this Wednesday, Jan. 23, 2013 photo, Yair Lapid gestures as he delivers a speech at his "Yesh Atid" party in Tel-Aviv. The party, formed just over a year ago, out did forecasts by far and are predicted to capture as many as 19 seats, becoming parliament's second-largest party, after Netanyahu's Likud-Beiteinu bloc, which won 31, according to the exit polls. (AP Photo/Sebastian Scheiner)

In this Wednesday, Jan. 23, 2013 photo, Yair Lapid gestures as he delivers a speech at his "Yesh Atid" party in Tel-Aviv. The party, formed just over a year ago, out did forecasts by far and are predicted to capture as many as 19 seats, becoming parliament's second-largest party, after Netanyahu's Likud-Beiteinu bloc, which won 31, according to the exit polls. (AP Photo/Sebastian Scheiner)

FILE - In this Tuesday, Oct. 30, 2012 file photo, Israeli Yair Lapid, a popular former TV anchorman, head of the new centrist party Yesh Atid, delivers a speech in the Ariel college of Judea and Samaria in the West Bank Jewish settlement of Ariel. Lapid electrified Israel with his surprising success in the January 2013 election and an Obama-like message of hope and change, and expectations are high. (AP Photo/Ariel Schalit, File)

(AP) ? Political newcomer Yair Lapid electrified Israel with his surprising success in this week's election and an Obama-like message of hope and change, and expectations are high.

The former TV talk show host will need to make strides on pressing economic ills and advance peace prospects with the Palestinians to avoid becoming another in a long line of centrists who have burst onto the political scene with great fanfare, only to flame out.

To avoid that fate, Lapid's Yesh Atid movement may have to temper the lofty expectations of the Israeli public, and will surely need to produce concrete results in Israel's Knesset, or parliament.

"Everyone at Yesh Atid is aware of the expectations and the responsibility which is upon us," said Dov Lipman, an American-born rabbi and incoming lawmaker from Lapid's party. "All of us, including our party leader, left other careers to enter the Knesset. We did so out of a sense of duty and a passion to change the country's course, and we plan to rise to the mandate we have been given to do so."

Pre-election polls predicted Lapid's party would win about a dozen of 120 parliament seats. Instead, the party, running in its first election, emerged as the country's second-biggest party with 19 seats. Israeli pollsters said a mass of undecided voters went with Lapid in the final days of the campaign, with roughly half of them coming from Prime Minister Benjamin Netanyahu's traditional base of support.

Netanyahu's Likud-Yisrael Beitenu party remains the largest parliamentary bloc with 31 seats, and he is expected to continue to serve as prime minister. But the faction's strength fell substantially, from 42 seats in the outgoing parliament, and Netanyahu has little choice but to form an alliance with Lapid to ensure a viable governing majority.

Though Lapid himself comes from Israel's high society ? he is a well-known media celebrity and the son of a former Cabinet minister ? he campaigned as an average citizen fighting for Israel's struggling middle class. He criticized the country's high cost of living, its expensive system of handouts and draft exemptions for ultra-Orthodox seminary students, and to a lesser extent, Netanyahu's failure to advance peace efforts with the Palestinians.

The election, seen as a slap against Netanyahu, has made Lapid the talk of the nation and given him a honeymoon with Israel's normally contentious media. His coiffed silvery hair and wide grin have been plastered on the front pages of newspapers all week. Even Israel's usually brutal political cartoonists are accentuating his telegenic looks.

Netanyahu has already reached out to Lapid, calling for formation of a broad coalition. The two men spent two and a half hours in a face-to-face meeting this week, the beginning of an intensive period of negotiations in which Netanyahu will haggle with Lapid and other party leaders over political appointments and key policy goals.

Given its strong bargaining position, Yesh Atid, or There is a Future, is convinced it can make headway on two of the most intractable issues to bedevil the country: forcing ultra-Orthodox men to join their secular counterparts in performing compulsory military or national service; and pushing forward a peace treaty that would result in a Palestinian state.

These were two issues Netanyahu and his ultra-Orthodox and hawkish partners have until now been unable, or unwilling, to resolve.

"Yair Lapid has been clear that we will go to the opposition if the government is not committed to both," said Lipman. "We are confident that both can be achieved."

Doing so will not be easy. To ensure a parliamentary majority, Lapid and Netanyahu would need at least one other partner. The most likely candidates appear to be either smaller, ultra-Orthodox parties, which are sure to fight any reform in the draft law, or the pro-settler Jewish Home, which will resist any attempt to reach peace with the Palestinians. Netanyahu's own bloc is dominated by hard-liners who oppose any concessions to the Palestinians. Lapid will have to use every ounce of his powers of persuasion to make progress on either front.

It's not the first time a party championing centrist views has marched onto the scene seeking to solve similar issues. All before him have failed, including Lapid's own father.

The late Joseph "Tommy" Lapid, also a journalist turned politician, led the liberal Shinui party from 1999-2006. In 2003 elections the party ran on a staunchly anti-religious platform, garnering 15 seats in parliament and making it Israel's third-biggest party. But it bolted the governing coalition when an ultra-Orthodox party joined, making it impossible to carry out its pledge to loosen the grip of religious interests on some state institutions. Shinui subsequently disappeared.

The Center Party, created in 1999, had seasoned politicians and a retired general at its helm, but it also eventually disappeared on the backdrop of the rise of an ultra-Orthodox party.

More recently, Kadima, formed by former Prime Minister Ariel Sharon with moderate breakaways from the rival Likud and Labor parties, has seen its fortunes sink. Pushing for an accommodation with the Palestinians, it went from being the largest party in parliament in 2006 with 29 seats, to the smallest party in the incoming parliament, with just two seats.

Dov Weisglass, who served as Sharon's chief of staff, said the demise of these centrist parties ? including Kadima ? does not signal a failure of centrists in Israeli politics, but a dynamic voter base.

"Centrist voters move from place to place, depending on circumstances," said Weisglass. "The center is made up of people who believe in judgment by trial."

He and other political analysts predicted that Lapid could have more success than his centrist predecessors, including his own father. Joseph Lapid was in his 70s when Shinui made its quick rise and fall. His 49-year-old son is younger and has more time to build up his party in elections to come.

"He has all the time in the world," said political commentator Hanan Kristal. And, "he has learned lessons from his dad."

The makeup of Lapid's party is also far different from those of his predecessors. Instead of recycling experienced politicians, Lapid cobbled together an eclectic list of inexperienced newcomers. The coterie of enthusiastic, diverse fresh faces ? Ethiopian Jewish immigrants, social workers, a former security chief, a progressive Orthodox rabbi, and even a judo champion ? could inject new ideas to the political scene.

Israeli commentators expect Lapid to drive a hard bargain with Netanyahu. "Netanyahu will barely be able to swallow, but people tend to show a surprising degree of flexibility when they have a knife to their necks," wrote leading columnist Nahum Barnea.

"He looks cavalier, and a little bit like a beach boy, but I think there's a lot of substance," said Yaron Ezrahi, a politics professor at Hebrew University in Jerusalem. "This is the real incarnation of centrist leadership. Many people see it as a victory of enlightened Israel over fanatic Israel."

If a Netanyahu-Lapid coalition fails to realize the key goals of Lapid's party, Ezrahi said, the government could crumble, and Lapid could make a serious run at becoming prime minister.

"It depends on his performance here, but he might carry the day," Ezrahi said. "If he will do the right things in this coalition, there is a future for Lapid."

___

Follow Daniel Estrin: www.twitter.com/danielestrin

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2013-01-25-Israel-Lapid's%20Future/id-f53ce162c13d49bc96ddbc4f205ca22e

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Canada Soccer announces new multi-year partnership with ...

Posted on 23 January 2013 in Sponsors & Partnerships

The Canadian Soccer Association is pleased to announce a new multi-year primary partnership agreement with Canadian Tire Corporation, Limited that will have a significant impact on the continued development of the most widely played sport in Canada.

?The Canadian Soccer Association is pleased to partner with an iconic Canadian brand such as Canadian Tire,? said Peter Montopoli, Canadian Soccer Association General Secretary. ?As the largest participatory sport in Canada, we look forward to joining forces with Canada?s largest sporting goods retailer to connect the Canadian soccer community ? players, parents, coaches, referees, volunteers and fans ? to continue the momentum for the growth of the beautiful game.?

?Our customers are passionate about sport and we are excited to work with the Canadian Soccer Association to share the love of the game with Canadians from coast-to-coast,? said Landon French, Vice President of Sport Partnerships for the Canadian Tire family of companies. ?From kicking the ball around in the yard to competitive leagues, our stores, dealers and franchisees are committed to seeing the game grow because we believe sport is what brings Canadian communities and families together.?

As part of the new agreement, Sport Chek and Sports Experts, members of the Canadian Tire family of companies, become title sponsors of the Canadian Soccer Association National Championships, the umbrella tournament for Canada's premier amateur competitions. Through eight competitions held in four venues during the same week annually in October, the National Championships welcome more than 1,500 athletes from the senior level Challenge Trophy and Jubilee Trophy competitions down to the U-14 youth levels.

In addition, the Association will work closely with Canadian Tire and its network to create and support grassroots programming to encourage participation in the sport of soccer. These community based programs align with and complement Canadian Tire Jumpstart Charities? efforts to identify opportunities to assist children in need through sport and recreation.

Mark?s, another brand under the Canadian Tire Corporation umbrella, is also included in this sponsorship agreement.

The announcement was made as part of a larger press event organized on 23 January by the Canadian Tire Corporation and included a number of other major amateur sport organizations.

Source: http://www.canadasoccer.com/canada-soccer-announces-new-multi-year-partnership-with-canadian-tire-corporation-limited-p153066

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Thursday, January 24, 2013

SciTimes Update : Science News From Around the Web

[unable to retrieve full-text content]A sampling of some of the day?s science headlines.

Source: http://www.nytimes.com/2013/01/23/science/science-news-from-around-the-web.html?partner=rss&emc=rss

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When Science Meets Business - A Scientific Business Strategy ...

In this scientific business strategy keynote by Nicolaj Siggelkow, the speaker explains the key to developing a scientific method of business planning.

To begin, he lays the foundation by defining strategic planning as an "integrated set of choices that positions a firm within an industry to generate superior financial returns in the long run." According to Siggelkow, there are three tests a strategy must pass: external consistency, internal consistency and dynamic consistency.

Siggelkow then gets to his point, which is talking about the proper way of using science to influence business strategy. On one side of the coin, you have a hyper-scientific method used by some firms which essentially relies on running a lot of numbers and producing a ton of data (not all of which is relevant or useful according to Siggelkow.) On the other side is the decidedly anti-scientific methods which involve "creative jam sessions" and thinking outside of the box.

The proper way to utilize the scientific method of strategy is to come up with a creative idea, which leads to a new hypothesis, which leads to designing tests around that particular hypothesis.

Source: http://www.trendhunter.com/keynote/scientific-business-strategy-keynote

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National Secular Society - Only 7% think being Christian is important ...

A new report from the think tank British Future looks at what it means to be British. Among a wealth of fascinating data, the poll conducted for the organisation finds that just 7% of Britons agree that being Christian is an important attribute for being British.

This compares with 50% who say that Britishness equates with respect for people's right to free speech ? even if you don't agree with them, 46% with respect for the law, 41% with speaking English, 38% with treating men and women equally, 29% with respect for all ethnic backgrounds, 26% with respect for all faiths, 26% with being born here, and 21% with voting in elections. Only being white (6%) scores lower than being Christian.

Demographically, the number citing being Christian peaks among the over-45s (11%), those with no formal educational qualifications (11%), and readers of right wing newspapers such as the Daily Mail and Daily Express (12%).

In answer to another question, tensions between different religions are (at 26%) the sixth most cited (of ten) causes of division in British society, after tensions between immigrants and people born in Britain (57%), between tax payers and welfare claimants (47%), between rich and poor (35%), between different ethnicities (33%), and between tax payers and tax avoiders (32%). However, tensions between different religions are ranked lower (seventh, at 16%) as a cause of division in the respondent's local area. All percentages are the sums of those ranking each cause in first, second or third position.

Read the report in full

Source: http://www.secularism.org.uk/news/2013/01/only-7-percent-think-being-christian-is-important-for-being-british

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6 ways to get out from under holiday debt

6 hrs.

A wallet-emptying shopping binge and New Year's debt hangover are mainstays for many consumers.

And now that the holiday bills have arrived, many face the daunting task of whittling down the mountain of often high-interest credit card debt before it gets out of control.

That task is made more difficult this year because most paychecks have been reduced because Congress and the White House allowed a two-year reduction in Social Security payroll taxes to lapse at the end of December.

Although many cardholders have kept their credit card debt relatively low since 2010, their average debt is expected to grow by roughly 8 percent to $5,446 by the end of this year. That's the highest level in four years, according to credit reporting firm TransUnion.

That suggests some consumers could end up carrying at least a portion of their 2012 holiday debt, and paying interest on it, well into 2013.

"The worst thing you can do is stick your head in the sand and not begin to change," says Norma Garcia, manager of the financial services program for Consumers Union, publisher of Consumer Reports.

Here are six tips on how to detox your finances this year.

1. Tally up what you owe
First on the debt to-do list is to take stock of the damage. That means reviewing credit card bills, bank statements, and other accounts to determine how much you owe and how that translates into monthly payments.

Experts also recommend getting a copy of your credit report if you haven't done so in more than a year.

"That way, you'll know exactly where you are, in terms of what's being reported to the credit reporting companies," says Rod Griffin, director of public education for credit reporting firm Experian.

Consumers are entitled to get a credit report from the three nationwide credit reporting companies free of charge every 12 months. Copies can be obtained at AnnualCreditReport.com.

A credit report can help you understand how your debt, and your payment history, will be perceived by potential lenders.

It also underscores the need to bring down card balances, as high balances are viewed as a sign of risk.

2. Draw up a payment plan
Paying down credit card debt requires discipline.

One oft-advised strategy for borrowers carrying balances on two or more credit cards is to rank the cards by their interest rates and then make the biggest monthly payment on the card with the highest interest rate. For the rest, only make the minimum monthly payment. The process is repeated once the card with the highest rate is paid off.

This approach reduces the portion of payments going toward interest.

Griffin says some borrowers might be better off funneling the biggest payments to the card with the lowest overall balance. That enables a cardholder to pay off a card entirely more quickly. This can provide a psychological boost and reaffirm that it's possible to conquer your debt.

Remember this: If you used credit cards to take advantage of holiday sales, you may quickly lose any savings because you're allowing balances to linger.

3. Consider a balance transfer
A survey by Consumers Union found that half of the respondents are racking up interest charges by carrying a balance.

For those who don't have a pile of cash that they can draw upon to pay down their debt, the next best option is to lower the interest charges.

You can ask your credit card issuer to do you the favor, but don't count on it. A more realistic option is to consolidate your card balances into another card with a lower interest rate.

Many card issuers extend balance transfer offers, with some providing an introductory period of a year or more to pay off the transferred balances at no interest. However, that's not set in stone.

"Your introductory period is usually forfeited if you miss a payment," says Bill Hardekopf, CEO of LowCards.com.

Banks also will typically charge a fee of 3 percent to 4 percent on the amount transferred.

The average interest rate on balance transfer cards is 12.59 percent, according to CreditCards.com. That's the rate borrowers can expect to pay after the introductory period on their cards ends. On cards offering a variable interest rate, borrowers can end up having a lower or higher interest rate.

Worried about taking on more credit cards? Griffin of Experian says credit scores put less emphasis on the number of accounts borrowers have than on how those accounts are used, namely, if your balances are high relative to the amount of credit you have available.

Experts differ on the wisdom of resorting to other options. "With a credit card, the worst thing that can happen is you default, your credit will go down," says Garcia. "With a home equity line of credit, that could have implications for your homeownership and your continued relationship with that bank."

4. Make a budget, follow it
Make a budget of your fixed household expenses, such as your mortgage or rent, utilities, car loan, insurance, and so on. Carve out a realistic amount of money for more variable costs, such as gas, groceries and entertainment.

Once you figure out a monthly plan that allows you to pay down your card debt, even if it means scrimping here and there, stick with it. The key to doing that is to remain on top of expenses.

Computer and mobile phone apps designed for tracking expenses abound. Your bank likely already has an app that can help you to keep up with charges on your accounts.

Some of the most popular apps include Mint.com and Pageonce, which draw data from bank, credit card and other accounts to give users a comprehensive view of their finances and spending. They also help organize and track expenses, sending e-mail alerts when bills are due, among other features.

Both are available for iPhones and smartphones running Google's Android operating system.

Garcia suggests one way to remove temptation from ill-advised impulse spending is to open a separate bank account without debit card privileges and have a portion of your paycheck directly deposited there. Then, you use that account to pay down your cards.

5. Use credit, don't abuse it
The best way to get back on the right financial track is to get in the habit of paying off any charges on cards right away. It helps to reframe one's understanding of what credit is, Garcia says.

"When you use a credit card, you're tapping into a deficit ? unless you plan to pay for it ? rather than a reservoir of savings," she says. "The person should ask themselves, 'Can I pay off that balance every month?' and if I can't, what's that going to cost me?"

6. Get help
Feeling overwhelmed by debt? Counseling agencies approved by the U.S. Department of Housing and Urban Development offer free credit counseling, advice on making a personal budget and dealing with creditors. They can be found on www.hud.gov.?

? 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Source: http://www.nbcnews.com/business/6-ways-get-out-under-holiday-debt-1C8091330

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