Various kinds of Term Insurance Based on Who is Covered ? Cars ...

Apart from the insurer, there are three fundamental parties involved in life insurance deals such as term life insurance; the policy owner, the person insured and the beneficiary or beneficiaries in the case of multiple people being named as such on the policy. For instance, this can happen in the case of the last surviving parent leaving the proceeds to be divided among their children. The owner handles the policy and can make all of the actual decisions about beneficiaries, borrowing the cash value, selecting the type of negotiation options and pays the premium, etc. The Insured is the person whose life is covered and the beneficiary receives the proceeds from the policy when the insured person dies from a cause covered under the policy rules.

Term life insurance handles the insured for what is often a comparatively short period of time. All of the money from the premium is used to pay for the insurance itself. Consequently, after each term, the policy must be renewed. The policy does not accrue equity for the insured. There is no charges for not renewing a term life policy since the insurance organization is not in possession of an asset. If the covered dies during the term of the policy, the policy pays off at its face value. Term life policies are generally tax-free and might even enable a partial payout upon proper diagnosis of a terminal disease.

People choose term life once they need insurance for only a short period of time, or they require insurance, but can?t afford the premiums related to permanent insurance. Many people choose term life and then invest the main difference between the premium and a permanent life premium on their own. This type of person is confident that their investments will outperform those of the insurance organization.

Term life insurance can be classified based on who is covered. Group term insurance coverage is normally offered by employers. Group term life plans offer reduced premiums in exchange for insuring a large number of people. High risk term insurance plans are ideal for people of advanced age or with preexisting health conditions who cannot be eligible for a traditional coverage. Term insurance for kids is a life plan that protects those under the age of 18 usually covers things like funeral and burial expenditures.

Term insurance for households enables parents to add their kids to their plans at a minimal cost. For joint term life insurance, rather than paying much more to insure each spouse or partner separately, it protects both spouses with a single, inexpensive policy. Term life insurance for individuals is a policy that provides safety for those who are self-insured, or those who do not have access to employer-sponsored coverage. Term life insurance for people in the military is a type of life insurance for service members who often need life insurance urgently before deployments. Army term life can meet their unique needs. Term life insurance for seniors are insurance plans for senior citizens. Advanced age will not necessarily eliminate the potential of term life protection. Term life plans for seniors can offer considerable protection to those over the age of 50.

Term Life Insurance is regarded as the preferred form of Life Insurance today which gives protection for a guaranteed period of time. After all, that is what insurance is for: Protection for yourself and your loved ones.

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Late Morning Links (Theagitator)

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Best Buy's Finally Got More Firesale TouchPads... IF You Buy an HP Computer. Ugh [Touchpad]

So HP's finally let loose another load of firesale 32GB TouchPads for $149, which will be available at Best Buy Starting November 1st. That would be totally great and welcome news except for one thing: You've got to buy a HP computer to get the sale price. Come on. More »

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Some MF Global clients move money away as troubles grow (Reuters)

CHICAGO/NEW YORK (Reuters) ? Some customers are moving money away from struggling futures brokerage MF Global Holdings Ltd, according to hedge funds, rivals, and analysts, though the extent of the outflows is unclear.

Any substantial departures will likely put further pressure on MF Global Chief Executive Jon Corzine, a former New Jersey governor and former head of Goldman Sachs, to sell all or part of the company.

MF Global, whose shares slumped 15.9 percent on Thursday and have lost more than 60 percent of their value this week, had been trying to transform from a brokerage that mainly places customers' trades on exchanges into an investment bank that bet with its own capital.

But its bets on bonds from euro zone countries, including those issued by Italy, Spain, Portugal and Ireland, have gone bad, prompting regulators to press it to boost capital and two rating agencies to cut the company's debt rating to junk status.

One hedge fund that Reuters spoke to said that MF Global's problems have spurred the fund to move some of its assets to a different broker.

Three brokers at rival firms said they were signing up customers who were formerly at MF Global, and Patrick O'Shaughnessy, an analyst at Raymond James in Chicago, said his conversations with customers indicate there have been "significant departures."

But three other customers said they were not moving their accounts. Client funds that are typically held in so-called "segregated accounts" should be protected even in the worst-case scenario of financial failure, they said.

MF Global declined to comment.

Its management has been working to try to reassure customers and staff, sources said.

Corzine held a call on Wednesday with staff, according to two people on the call.

"He said things are fine, pretty much," one source said.

Another source, who was briefed on the matter, said MF Global is experiencing some "excess margin sweeping" by clients, but not a loss of core positions. Clients are "only taking some of their excess out, which some big institutions do every day," the source said.

RATING CUT

Moody's Investors Service and Fitch Ratings on Thursday slashed MF Global's debt rating to junk. Standard & Poor's said on Wednesday it might also cut the New York-based company's counterparty credit rating to junk.

Moody's said the downgrade reflected its view that "MF Global's weak core profitability contributed to it taking on substantial risk in the form of its exposure to European sovereign debt in peripheral countries."

At the end of the second quarter, MF Global's $6.3 billion exposure to European governments represented five times the company's tangible common equity, it said.

On Wednesday, the company sent a letter to customers listing protections available to its commodities, futures, and options securities clients.

Rivals said they are nevertheless winning customers from MF Global.

"I was getting calls yesterday from people who were shopping other firms because they were worried about MF," a Chicago floor trader who said he opened three new accounts for former MF Global customers on Tuesday told Reuters. "Whether it's justified or not yet, they were worried."

A rival broker in New York said: "I don't even have to reach out to their customers - they're reaching out to me."

Concerns about customer defections were enough to prompt O'Shaughnessy at Raymond James to downgrade the company to "market perform," from "outperform."

"Our conversations with retail and institutional customers suggest that MF Global has and will continue to experience significant departures," O'Shaughnessy wrote in a note. The exodus could trigger more credit ratings downgrades and further weigh on profits, he added.

Dick Bove, an analyst at Rochdale Securities, said in a note on Wednesday that MF Global must sell off assets as quickly as possible. Bove added that Goldman Sachs Group Inc may be a buyer for all or part of the company.

Goldman declined to comment.

Investment bank Evercore is advising MF Global on its options now, a source familiar with the matter said.

CORZINE'S FOLLY

MF Global's history dates back over 200 years, to a sugar broker that started in London. The company, formerly known as Man Financial, acquired Refco's U.S. futures business in 2005 after that broker collapsed in an accounting scandal.

For years, MF Global focused on futures brokerage, but Corzine, who took over as CEO in March 2010, looked to build the company into an investment bank that made more bets with its own funds.

The company took substantial positions in European sovereign debt. As of the end of September, MF Global held $6.3 billion of European debt maturing by the end of 2012. The market value of those positions dropped over the summer as the European debt crisis worsened, and the Financial Industry Regulatory Authority, an industry regulator, pressed the company to boost its capital levels.

The company's credit lines have been drawn down upon but not exhausted, according to a source briefed on the matter.

Its board voted on Wednesday to review alternatives that could include asset sales, a merger or selling the entire business, the Wall Street Journal reported. Bloomberg News reported on Thursday that MF Global was trying to sell the futures business, not the holding company. The deal struck by euro zone leaders on Thursday to seek to contain the debt crisis helped to ease concern about MF Global's European sovereign debt holdings, and its bonds gained as a result.

MF Global's bonds maturing in 2016 with a 6.25 percent coupon rose to 70 cents on the dollar on Thursday from 67 cents late Wednesday. On Wednesday, they traded as low as 45 cents on the dollar.

MF Global had begun losing market share prior to this week. Its share of registered funds in segregated accounts fell to 4.3 percent in August from more than 6 percent in September 2010, and its total funds have declined more than 15 percent in that period, according to Commodity Futures Trading Commission data.

MF Global brokers continued to operate as normal on the Chicago Mercantile Exchange trading floor on Wednesday.

(Reporting by Meredith Davis and Sam Nelson in Chicago, Frank Tang, Chris Kelly, Gene Ramos, and Dan Wilchins in New York; Writing by Dan Wilchins and Jonathan Leff; editing by Martin Howell)

Source: http://us.rd.yahoo.com/dailynews/rss/business/*http%3A//news.yahoo.com/s/nm/20111028/bs_nm/us_mfglobal_customers

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Planning a trip to Mercury at the Astronomer's Ball

Catherine de Lange, contributor

?What kind of holiday are you thinking of?? asked the lady behind the desk at the Intergalactic Travel Bureau. ?I?d like to go somewhere a bit different,? I told her.

?Ah,? the travel agent smiled, ?I think I have the perfect destination.? She shuffled through some papers before pushing one in front of me. ?The moon. It?s not too far, so perfect for a long weekend.? That sounded nice, but I said I?d like somewhere a little more exotic - somewhere to brag about on my return. ?Aha, I know just the place,? she said. ?How about Mercury?? Now we?re talking.

?The days are 4000 hours long, and the flight takes two and half years, so you?ll have to take a bit of time off work,? she continued, ?but the temperatures are lovely and warm.? I was sold. How much would the trip cost? After bashing on her calculator and apologizing for rising fuel prices, she tallied up the cost at ?29 million. To book, I needed to leave a 10 per cent deposit. Credit cards weren?t accepted (though gold bullion would be fine). When I couldn?t afford to pay, she kindly suggested I take a postcard of Mercury and write a message to my friends. She said she would send it for me next time she?s there.

(Image: Guerilla Science)

With this surreal exchange began an unusual Saturday night at the Royal Observatory in Greenwich, UK. The home to the famous Meridian Line was opened up late for the Astronomer?s Ball, a one off event that is part of the London Science Festival.

Once I?d written my postcard from Mercury, I headed outside for a tour promising real recordings of sounds from space. First up, the sound of a meteorite, or more accurately radio waves bouncing off the meteorite?s ionizing trails (which sounded a bit like interference on a radio). Later, as we listened to the sounds of the Northern Lights, I got distracted by the sight of an astronaut ambling by and lost the rest of the tour group.

It turns out it wasn?t a real astronaut, but freelance astronomer Greg Smye-Rumsby, who presents planetarium shows at the observatory and is also a dab hand with a needle and thread: He created his space suit out of a couple of boiler suits and some strategically positioned zippers. Smye-Rymsby was busy setting up a small telescope and I asked him whether he was on the look out for the meteor shower rumoured to be happening that night. The rumours were true he said, but even if the sky hadn?t been so cloudy, he explained that it would be hard to spot the Orionid meteor shower because there would only be about two meteors an hour (compared to another shower earlier in the month with a spectacular 600 an hour). On the plus side, he said, if the clouds did part we should easily be able to spot Jupiter.

Thanks to the cloud cover Jupiter was in hiding at that point, but I still got to learn all about it in a brilliant talk inside the impressive planetarium. As we reclined in comfy chairs, the audience was given a guided tour around the night sky. The 360-degree video screens on the planetarium?s domed ceiling zoomed in and out of the solar system as seasoned comedian Robin Ince delivered a hilarious presentation with the observatory?s own comedienne in residence, Radmila Topalovic. The talk ended with an introduction to Jupiter and its four moons, including Io, which looks a bit like a pepperoni pizza thanks to its frequent volcanic eruptions, and Europa, which Topalovic said could be a good contender for alien life thanks to water and ice on its surface. She left us with a bold prediction that we will discover life in space in the next two years.

Back in the main observatory, a group from Guerilla Science was asking guests if they wanted to send messages into space. After Topalovic?s confident prediction concerning the existence of ET, I wondered whether I was the right person to broadcast salutations - which would later be transmitted four and a half light years into space from Cape Canaveral. Others were less timid though: if ET did get the messages, he?d mainly learn what a fun night everyone was having.

(Image: Guerilla Science)

After the evening came to a close at the observatory, guests were encouraged to prolong their stargazing by travelling back into central London aboard a slow moving river-boat on the Thames. As we made our way home, up on the top deck we were afforded one last chance to glimpse Jupiter peeking through the clouds.

The London Science Festival is running in venues across London until the 26th October

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Comedians Blow Smoke at Herman Cain?s Ad (ABC News)

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Found in the developing brain: Mental health risk genes and gender differences

ScienceDaily (Oct. 26, 2011) ? Most genes associated with psychiatric illnesses are expressed before birth in the developing human brain, a massive study headed by Yale University researchers discovered. In addition, hundreds of genetic differences were found between males and females as their brains take shape in the womb, the study in the Oct. 27 issue of the journal Nature shows.

The creation of a hundred billion brain cells and the incalculable number of connections between them is such a complex task that 86 percent of 17,000 human genes studied are recruited in the effort. The study tracked not only what genes are involved in development, but where and when they are expressed, or activated.

"We knew many of the genes involved in the development of the brain, but now we know where and when they are functioning in the human brain," said Nenad Sestan, associate professor of neurobiology, researcher for the Kavli Institute for Neuroscience and senior author of the study. "The complexity of the system shows why the human brain may be so susceptible to psychiatric disorders."

The study identified genes expressed in the human brain, and when and where in the brain they were expressed in 1340 tissue samples taken from 57 subjects aged from 40 days after conception to 82 years. The analysis of 1.9 billion data points gives an unprecedented map of genetic activity in the brain at different stages of development. In dramatic fashion, the findings show just how much of the human brain is shaped prior to birth.

For instance, the team analyzed genes and variants previously linked with autism and schizophrenia, the symptoms of which are evident in the first few years of life or during early adulthood, respectively. The new analysis shows molecular evidence of expression of these suspect genes prior to birth.

"We found a distinct pattern of gene expression and variations prenatally in areas of the brain involving higher cognitive function," Sestan said. "It is clear that these disease-associated genes are developmentally regulated."

The team also looked for differences in brains of males and females. They expected to find clear differences in Y chromosome genes that are possessed only by males. However, they also demonstrated that men and women showed distinct differences in many genes that are shared by both sexes -- both in whether the gene was expressed and the level of the gene's activity. Most of the differences were noted prenatally.

Researchers from the Lieber Institute for Brain Development, National Institute of Mental Health, Virginia Commonwealth University, and Newcastle University contributed to the study.

Co-lead authors from Yale are Hyo Jung Kang, Yuka Imamura Kawasawa, Feng Cheng, Ying Zhu, Xuming Xu and Mingfeng, Other authors affiliated with Yale are Andr? M. M. Sousa, Mihovil Pletikos, Kyle A. Meyer, Goran Sedmak, Yurae Shin, Matthew B. Johnson, Zeljka Krsnik, Simone Mayer, Sofia Fertuzinhos, Sheila Alexander Vortmeyer, Shrikant Mane and Anita Huttner.

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Story Source:

The above story is reprinted from materials provided by Yale University. The original article was written by Bill Hathaway.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.

---

Journal Reference:

1. Hyo Jung Kang, Yuka Imamura Kawasawa, Feng Cheng, Ying Zhu, Xuming Xu, Mingfeng Li, Andr? M. M. Sousa, Mihovil Pletikos, Kyle A. Meyer, Goran Sedmak, Tobias Guennel, Yurae Shin, Matthew B. Johnson, ?eljka Krsnik, Simone Mayer, Sofia Fertuzinhos, Sheila Umlauf, Steven N. Lisgo, Alexander Vortmeyer, Daniel R. Weinberger, Shrikant Mane, Thomas M. Hyde, Anita Huttner, Mark Reimers, Joel E. Kleinman, Nenad ?estan. Spatio-temporal transcriptome of the human brain. Nature, 2011; 478 (7370): 483 DOI: 10.1038/nature10523

Note: If no author is given, the source is cited instead.

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://www.sciencedaily.com/releases/2011/10/111026143723.htm

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German satellite crashed over Asia's Bay of Bengal (AP)

BERLIN ? Heavily populated Asian cities avoided a dangerous collision with space junk last weekend as a defunct German satellite crashed into the sea somewhere between India and Myanmar.

The ROSAT satellite re-entered the atmosphere at 0150 GMT Sunday (9:50 p.m. Saturday EDT) above South Asia's Bay of Bengal, but it remains unclear how much, if any, of its debris actually reached the sea's surface, the German Aerospace Center said Tuesday.

Most of the 21-year-old satellite was expected to burn up as it hit the atmosphere, but up to 30 fragments weighing a total of 1.87 tons (1.7 metric tons) may have splashed into the sea.

Scientists could no longer communicate with the defunct satellite, let alone control it.

Two Chinese cities with millions of residents each, Chongqing and Chengdu, were only minutes further northeast along the satellite's projected path, according to Jonathan McDowell of the Harvard-Smithsonian Center for Astrophysics in Cambridge, Massachusetts.

The 2.69-ton (2.4 metric ton) scientific ROSAT satellite was launched in Cape Canaveral, Florida, in 1990 and retired in 1999 after being used for research on black holes and neutron stars.

A dead NASA satellite fell into the southern Pacific Ocean last month, causing no damage but spreading debris over a 500-mile (800-kilometer) area.

Since 1991, space agencies have adopted new procedures to lessen space junk. NASA says it has no more large satellites that will fall back to Earth uncontrolled in the next 25 years.

___

Online:

The German space agency on ROSAT: http://tinyurl.com/645k8hj

Source: http://us.rd.yahoo.com/dailynews/rss/science/*http%3A//news.yahoo.com/s/ap/20111025/ap_on_hi_te/falling_satellite

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Strong earthquake hits Turkey, up to 1,000 feared killed (Reuters)

VAN, Turkey (Reuters) ? As many as 1,000 people were feared killed on Sunday when a powerful earthquake hit southeast Turkey, destroying dozens of buildings and trapping some victims alive under rubble.

As night fell, survivors and emergency workers battled to pull people out of the debris in the city of Van and town of Ercis, where a student dormitory collapsed.

Residents in Van joined in a frantic search, using hands and shovels and working under floodlights and flashlights, hearing voices of survivors crying for help under mounds of shattered concrete in pitch darkness and bitter cold.

"We heard cries and groaning from underneath the debris, we are waiting for the rescue teams to arrive," Halil Celik told Reuters as he stood beside the ruins of building that had collapsed before his eyes.

"All of a sudden, a quake tore down the building in front of me. All the bystanders, we all ran to the building and rescued two injured people from the ruins."

At another site, three teenagers were believed trapped under a collapsed building. People clambered over the masonry, shouting: "Is there anyone there?"

An elderly rescue worker sat sobbing, his exhausted face covered in dust. Police tried to keep onlookers back. Ambulance crews sat waiting to help anyone dragged out of the debris.

Turkey's Kandilli Observatory and Earthquake Research Institute said the magnitude 7.2 earthquake struck at 1041 GMT and was five km (three miles) deep. It was among the strongest in Turkish history, and the worst since 1999.

Deputy Prime Minister Besir Atalay said a dozen buildings collapsed in Van, an ancient city with a population of 1 million. Turkish media said 80 buildings, including a student dormitory, came down in Ercis, a city of 100,000 people near the Iranian border.

"Ambulances, soldiers, emergency teams are everywhere now, working on getting people out of collapsed buildings. I have seen many dead bodies being taken out, the teams are trying to find people alive," said a Reuters photographer in Ercis, some 100 km (60 miles) north of Van.

Kandilli Observatory general manager Mustafa Erdik told a news conference he estimated hundreds of lives had been lost. "It could be 500 or 1,000," he added. He said he based his estimate on the magnitude of the earthquake and quality of construction.

A nurse at a public hospital in Ercis said hospital workers were attending the wounded in the hospital garden because the building was badly damaged.

"We can't count dead or injured because we're not inside the hospital. There should be more than 100 dead bodies left next to the hospital. We left them there because it's dark and we didnt want to step on bodies," Eda Ekizoglu told CNN Turk television.

Prime Minister Tayyip Erdogan was traveling to Van and the cabinet was expected to discuss the quake on Monday morning.

"A lot of buildings collapsed, many people were killed, but we don't know the number. We are waiting for emergency help, it's very urgent," Zulfukar Arapoglu, the mayor of Ercis, told news broadcaster NTV.

"We need tents urgently and rescue teams. We don't have any ambulances, and we only have one hospital. We have many killed and injured," Arapoglu said.

Turkey's Red Crescent said one of its local teams was helping to rescue people from a student residence in Ercis. It sent had sent 1,200 tents, more than 4,000 blankets, stoves and food supplies, along with two mobile bakeries.

More than 70 aftershocks shook the area, further unsettling residents who ran into the streets when the initial quake struck. Television pictures showed rooms shaking and furniture toppling as people ran from one building.

DAZED

Dozens of emergency workers and residents scrambled over a multi-storey building in Van as they searched for anyone trapped inside.

Elsewhere, dazed survivors wandered past vehicles crushed by falling masonry.

Some 50 injured people were taken to hospital in Van, state-run Anatolian news agency reported.

Turkish media said phone lines and electricity had been cut off. The quake's epicentre was at the village of Tabanli, 20 km north of Van city, Kandilli said.

International offers of aid poured in from NATO, China, Japan, the United States, Azerbaijan, European countries and Israel, whose ties with Ankara have soured since Israeli commandoes killed nine Turks during a raid on an aid flotilla bound for the Israeli-blockaded Gaza Strip in 2010.

Serzh Sarksyan, the president of Turkey's longtime regional rival Armenia, phoned Turkey's President Abdullah Gul to offer his condolences.

Major geological fault lines cross Turkey and there are small earthquakes almost daily. Two large quakes in 1999 killed more than 20,000 people in northwest Turkey.

An earthquake struck Van province in November 1976, with 5,291 confirmed dead. Two people were killed and 79 injured in May when an earthquake shook Simav in northwest Turkey.

(Additional reporting by Seda Sezer, Ece Toksabay and Seyhmus Cakan, writing by Ibon Villelabeitia and Daren Butler; editing by Andrew Roche)

Source: http://us.rd.yahoo.com/dailynews/rss/world/*http%3A//news.yahoo.com/s/nm/20111023/wl_nm/us_turkey_quake

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'Miracle' tornado survivor denied workers' comp

JOPLIN, Mo.?? By all accounts, Mark Lindquist is a hero, an underpaid social worker who nearly gave his life trying to save three developmentally disabled adults from the Joplin tornado. Both houses of the Missouri legislature honored Lindquist, the Senate resolution calling him "a true hero and inspiration to others."

But heroism doesn't pay the bills. The tornado's 200 mph winds tossed Lindquist nearly a block, broke every rib, obliterated his shoulder, knocked out most of his teeth and put him in a coma for about two months.

Lindquist, 51, ran up medical expenses that exceed $2.5 million, and the bills keep coming. He requires 11 daily prescriptions and will need more surgery.

But he has no medical insurance. Lindquist couldn't afford it on a job paying barely above minimum wage. He assumed workers' compensation would cover his bills, but his claim was denied "based on the fact that there was no greater risk than the general public at the time you were involved in the Joplin tornado," according to a letter to Lindquist from Accident Fund Insurance Company of America, his company's workers' comp provider.

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That reasoning has angered Lindquist's family, employer, even lawmakers.

"I think they need to take another look at the circumstances and revisit the claim," state Rep. Bill Lant, R-Joplin, said. "What he did went beyond heroics."

Lindquist watched the skies darken on the evening of May 22 while on his way to the group home occupied by Mark Farmer, Rick Fox and Tripp Miller, three middle-aged men with Down syndrome. Soon after he arrived, a tornado siren began to blare.

Lindquist's employer, Community Support Services, had recently put workers through a tornado drill, so Lindquist and co-worker Ryan Tackett knew what to do. Because there was no basement or shelter and the residents moved too slowly to relocate, Lindquist and Tackett placed mattresses over the men for protection, then climbed atop the mattresses for added weight.

It seemed like little more than a precaution until Lindquist heard the unmistakable roar of the twister. "I told Ryan, 'If you've ever prayed before, now is the time to do it,'" he said.

The EF-5 tornado was among the nation's worst ever. It destroyed more than 7,000 homes, including the group home, and killed 162 people.

Among the dead were Farmer, Fox and Miller, a fact that still haunts Lindquist.

"I loved them almost as much as I love my own kid," he said.

Lindquist's survival defies logic. After the storm, rescuers found Lindquist buried in rubble, impaled by a piece of metal. Large chunks of flesh were torn off. Bones from his shoulder crumbled as they placed him on a door used as a makeshift stretcher. He was later delivered to Freeman Hospital.

Meanwhile, Lindquist's sister, Linda Lindquist Baldwin, his son, 12-year-old Creed, and other relatives contacted every hospital within 100 miles of Joplin searching for him. None of the unidentified matched Lindquist's description.

His injuries were so severe that his slender, athletic body had become swollen and unrecognizable. He was in a coma. Finally, after three days, he was identified by tiny brown flecks in his hazel eyes.

Doctors told Baldwin that if Lindquist survived, it likely would be in a vegetative state. Even in a best-case scenario, he likely would be blind in one eye, never regain use of his right arm, and never speak or think normally, she was told.

Things got worse. Debris that got into the open sores caused a fungal infection, one that killed five other Joplin tornado victims. Lindquist overcame the fungus but remained at Freeman until June 16. Still in a coma, he was flown to a hospital in Columbia for a little over a month before being sent to a rehab center in Mount Vernon where he awakened.

Lindquist's recovery amazed doctors. His right arm remains in a sling, but he has use of the hand. The eye that was temporarily blinded has full sight. He moves slowly and has short-term memory loss, but speaks well.

Baldwin said the insurance company's decision is unfathomable because if her brother hadn't been at work, he wouldn't have been hurt. He also could have jumped in his van and driven away from the group home as the tornado approached.

Lindquist said that thought never crossed his mind.

"I could have abandoned them to save myself, but I would never do that," he said.

Jahn Hurn, CEO of Community Support Services, said the agency has asked Accident Fund Insurance to reconsider Lindquist's case. Insurance company spokeswoman Stepheni Schlinker said she could not discuss an individual claim or whether the company would reconsider.

Lindquist also could seek relief through the Missouri Division of Workers Compensation but has not yet done so because he is weighing legal options and still dealing with health issues, Baldwin said.

Amy Susan, a spokeswoman for the division, said the state could help facilitate settlement talks with the insurance company, or Lindquist could ask an administrative law judge to hear the case. That judge would decide if the company should pay the claim.

Susan said that 132 workers' compensation claims were filed after the tornado. Only eight were denied by insurance companies.

Since word of Lindquist's plight spread, people around Joplin have pitched in, donating a few hundred dollars. Baldwin said her brother is touched by the kindness, even if it barely pays for the prescriptions, much less the medical costs.

Despite lingering pain, financial strain and uncertainty about whether he'll work again, Lindquist sees good things happening in his life.

Earlier this year, he was contacted by Carolyn Stephenson Mckinlay. They met 31 years ago in her Montana hometown, where he was helping to build a water tower. He was 21, she was 16. After a brief courtship they parted ways. Both married others, then divorced.

Mckinlay found Lindquist on Facebook earlier this year, and the two decided to meet in Joplin. The tornado hit first, but Mckinlay still came. He proposed in August, and they plan to wed.

All things considered, Lindquist said he's a lucky man.

"I'm a walking miracle," he said.

Copyright 2011 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Source: http://www.msnbc.msn.com/id/45007078/ns/us_news-life/

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APNewsBreak: Brewer's case against feds dismissed (AP)

PHOENIX ? A federal judge Friday dismissed Arizona Gov. Jan Brewer's lawsuit that accused the Obama administration of failing to enforce immigration laws or maintain control of her state's border with Mexico.

The dismissal by U.S. District Judge Susan Bolton comes in a counter-lawsuit filed by Brewer as part of the Justice Department's challenge to Arizona's controversial immigration enforcement law.

The Republican governor was seeking a court order that would require the federal government to take extra steps, such as more border fencing, to protect Arizona until the border is controlled.

Bolton said Brewer's claim that Washington has failed to protect Arizona from an "invasion" of illegal immigrants was a political question that isn't appropriate for the court to decide.

The judge also barred some of Brewer's claims because the issues were dealt with in a 1994 case by Arizona and can't be litigated again. Court precedent also requires the dismissal of some claims, Bolton wrote.

"While Arizona may disagree with the established enforcement priorities, Arizona's allegations do not give rise to a claim that the counter-defendants (the federal government) have abdicated their statutory responsibilities," Bolton wrote.

Brewer said in a written statement that she wasn't surprised by Bolton's ruling.

"It is but the latest chapter in a story that Arizonans know all too well: The federal government ignores its constitutional and statutory duty to secure the border. Federal courts avert their eyes. American citizens pay the price," Brewer said.

The Department of Justice issued a one-sentence statement saying it was pleased by Bolton's decision.

The DOJ sued the state of Arizona last year in a bid to invalidate Arizona's immigration enforcement law. Bolton put key parts of the law on hold, such as a provision requiring police, while enforcing other laws, to question a person's immigration status if officers had "reasonable suspicion" the person was in the country illegally.

Brewer has asked the U.S. Supreme Court to hear her appeal of Bolton's ruling.

Brewer's attorneys had argued that her lawsuit was necessary to help bring relief to Arizona from the burdens of being a busy illegal entry point into the country.

The governor's lawsuit didn't seek a lump-sum award, but rather asked for policy changes in the way the federal government reimburses states for the costs of jailing illegal immigrants who are convicted of state crimes. Such changes would have given the state more money.

Justice Department lawyers, who asked the judge to throw out the lawsuit, argued successfully that federal court isn't the right place to consider the political questions raised by Brewer.

The judge also agreed with their contention that several claims by the governor should be thrown out because a court rejected similar legal claims in a 1994 case brought by Arizona, and an appeals court decision prohibits Brewer from moving forward with her case.

Source: http://us.rd.yahoo.com/dailynews/rss/topstories/*http%3A//news.yahoo.com/s/ap/20111022/ap_on_re_us/us_arizona_immigration

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China's Wen says jobs a priority despite economic headwinds (Reuters)

BEIJING (Reuters) ? China will make job creation a more urgent priority in the face of slowed economic growth and weakened exports, Premier Wen Jibao said in comments published on Sunday, also warning that efforts to tame housing prices were at a critical point.

While visiting the southern region of Guangxi, Wen took on the issues that have raised worries about the direction of the world's second biggest economy: inflation, housing costs, weakened demand from rich economies, and the pressure to secure jobs for millions of university students and rural migrants.

"Currently, economic growth is slowing and external demand is falling, and we should make employment even more of a priority in economic and social development, doing our utmost to expand employment," Wen told officials in Guangxi, a poorer region next to export-driven Guangdong province, the official People's Daily reported.

Those efforts would include "ensuring an appropriate rate of economic growth" and supporting labor-intensive industries, small businesses and private firms, he said.

Wen's published comments did not mention the yuan exchange rate, which Beijing policymakers fear could stifle export-dependent jobs if they succumb to U.S. pressure to let the currency appreciate much more quickly.

But the Chinese premier made clear that jobs and social stability are dominant concerns.

People's livelihoods should assume a more important role in setting macroeconomic policy because such needs affect "social harmony and stability," said Wen, who visited Guangxi on Friday and Saturday.

RIGHT BALANCE

Wen's government faces a tricky test in striking the right balance between maintaining growth and containing inflation.

China's economic expansion slowed to 9.1 percent from a year earlier in the third quarter, its weakest pace in more than two years as euro-debt strains and a sluggish U.S. economy took a toll.

In September, consumer inflation dipped to 6.1 percent, retreating from three-year highs, but stubborn food price pressures remain a worry for policymakers.

"To rein in prices, we must first properly deal with food prices," Wen told officials.

The price of pork, a key meat for many Chinese people, was leveling off, but winter could add new pressures, he added.

"With the arrival of winter, consumption (of pork) will increase," he said. He urged officials to boost production by ensuring that incentives reach pig breeders and feed prices are kept stable. Corn processing projects should also be restricted to counter rising prices for that grain, Wen said.

His government must also deal with relentless pressure to find jobs.

China has 242 million rural residents who work off the farm, and 153 million of them are migrants working outside their home towns. They are joined by millions more migrants every year, hunting for work in factories and on building sites. As well, more than six million college and university graduates entered the workforce this year.

Wen also said another plank of the government's efforts to contain price rises -- containing housing costs -- was at a crucial stage.

Housing prices in China have climbed to record highs, although annual property inflation eased to a low of 3.5 percent in September as Beijing's campaign to cool the market made inroads.

"All levels of government must take effective measures to consolidate the fruits of (housing price) controls," he said. Those efforts should include ensuring the government's goals to expand affordable, state-backed housing are met, Wen said.

As of August, China had built 8.68 million units of homes for rental or sale to poorer families this year, putting it on track to fulfill its full-year goal of 10 million homes.

But echoing a widespread complaint among officials, one Guangxi official told Wen of a shortfall in financing for the affordable homes, according to the media accounts.

The premier did not hint at any backing down from affordable home targets, but indicated that commercial developers might get easier access to land for cheaper projects.

"On the one hand, we must get a grip on affordable housing construction," he said. "On the other hand, we must also increase land provision for ordinary commercial housing."

(Editing by Yoko Nishikawa)

Source: http://us.rd.yahoo.com/dailynews/rss/business/*http%3A//news.yahoo.com/s/nm/20111023/bs_nm/us_china_economy

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UFC 137 interview: Mitrione wants to show he?s more than a heavy-handed striker

Next week at UFC 137, Matt Mitrione is back and he's facing his toughest test to date.

The former Big 10 defensive tackle and NFL veteran, has raced out to a 5-0 start, but now he faces another big puncher in Cheick Kongo. Mitrione doesn't sound like he's afraid to bang with the Frenchman, but also pointed out that he's been working on his ground game as well.

Listen to a very confident Mitrione with Kevin Iole and myself on ESPNRadio1100/98.9 FM's "The MMA Insiders" show. You'll be shocked to find out who "Meathead" from Season 9 of the "Ultimate Fighter" is training with now.

Source: http://sports.yahoo.com/mma/blog/cagewriter/post/UFC-137-interview-Mitrione-wants-to-show-he-s-m?urn=mma-wp8472

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Andie MacDowell: Model and Actress (omg!)

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Source: http://us.rd.yahoo.com/dailynews/rss/entertainment/*http%3A//us.rd.yahoo.com/dailynews/external/omg_rss/rss_omg_en/http___omg_yahoo_com_videos15533/43336338/*http%3A//omg.yahoo.com/videos/andie-macdowell-model-and-actress/15533

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House Ethics Committee Investigates Rep. Jesse Jackson Jr (ContributorNetwork)

After a two-year delay at the request of the Justice Department, the House Ethics Committee voted Tuesday to resume its corruption investigation of Rep. Jesse Jackson, Jr., D-Ill., according to reports by ABC News.

While no criminal charges have been levied against Jackson at this time, the committee will investigate his involvement in a scheme with former Illinois Gov. Rod Blagojevich to sell the Senate seat of President Barack Obama. Blagojevich was impeached and removed from office by the Illinois General Assembly.

Here is an inside look at the unique committee and its role in Congress:

* The Committee on Official Standards was created in 1967. It was renamed to the Committee on Ethics at the start of the current Congress.

* According to the Congressional Research Service, the committee was designated a permanent standing committee of the House in 1968 after committee chairman Rep. Melvin Price, D-Ill., introduced a bill keep the ethics process uniform. The bill was approved with some amendments.

* It is the only committee in the U.S. House to have five members from each of the Democrat and Republican parties.

* The first case heard by the committee was in 1798 and involved Rep. Matthew Lyon of Vermont and Rep. Roger Griswold of Connecticut. Lyon was accused of spitting on Griswold during a floor vote. He fell two votes shy of being expelled.

* While the constitution allows the House to discipline its members, no standard set of rules were established until the 1960s.

* The 1990 Ethics Reform Act established a chief counsel to assist House members in understanding the rules of appropriate conduct.

* Twenty additional House members are selected to serve on special subcommittees when they are needed.

* During the 111^th Congress, the committee completed or continued investigation on 111 different complaints and resolved 75 of them. They issued 12 completed reports to the House, totaling 15,000 pages of evidence and findings.

* Five members have been expelled, the latest being the 2002 removal of former Rep. Jim Traficant, D-Ohio, for bribery.

* Rep. Charles Rangel, D-NY, was the latest member to be censured by the House. In 2010 he was called to the well in front of the entire body and read a censure resolution by House Speaker Nancy Pelosi for improper solicitation of funds and other charges. Twenty-three other members have been censured throughout the history of the House.

Dan McGinnis is a freelance writer, published author and former newspaper publisher. He has been a candidate, campaign manager and press secretary for state and local political campaigns for more than 30 years.

Source: http://us.rd.yahoo.com/dailynews/rss/uscongress/*http%3A//news.yahoo.com/s/ac/20111021/us_ac/10253471_house_ethics_committee_investigates_rep_jesse_jackson_jr

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Mandy Moore Signs On For ABC Sitcom

Single-camera comedy will be called 'Us and Them.'
By Gil Kaufman

Mandy Moore
Photo: Getty Images

Mandy Moore has long bounced between TV, movies and music, and now the "Princess Diaries" co-star is trying her hand at a sitcom. Moore, who has guested on "Scrubs," "Grey's Anatomy" and "American Dreamz" in the past, will star in the new single-camera sitcom "Us and Them," according to The Hollywood Reporter.

The family comedy is described as the story of the "inherent conflict that exists between the families you grow up in and the ones we make as adults," told through the perspective of Moore's newlywed character Anne and her husband, Ben. Among the producers on the show are Jon Leshay, who was a music supervisor on a number of Moore movies, including "Saved!," "How to Deal" and "A Walk to Remember."

"Night at the Museum" director Shawn Levy will direct and executive-produce the show. Moore voiced the lead character in last fall's animated Rapunzel tale "Tangled" and appeared on this year's Academy Awards broadcast singing the Oscar-nominated tune from the movie, "I See the Light."

While her music career has been on hold since 2009's Amanda Leigh, husband Ryan Adams has just released his 13th studio album, Ashes & Fire, on which she sings backing vocals on the song "Come Home."

Moore is also slated to appear alongside the voices of Elijah Wood, Lance Henriksen and "Entourage" star Emmanuelle Chriqui on the upcoming animated TV series "Tron: Uprising," which is slated to air on Disney XD next summer. She will voice the character Mara in the show, which takes place between the time of the original film and last December's re-boot, "Tron: Legacy."

Related Artists

• Mandy Moore

Source: http://www.mtv.com/news/articles/1672771/mandy-moore-us-and-them-sitcom.jhtml

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Archaeologists find Viking burial site in Scotland

LONDON?? Archaeologists said Tuesday they have discovered the remains of a Viking chief buried with his boat, ax, sword and spear on a remote Scottish peninsula ? one of the most significant Norse finds ever uncovered in Britain.

The 16-foot-long (5-meter-long) grave is the first intact site of its kind to have been discovered on mainland Britain and is believed to be more than 1,000 years old. Much of the wooden boat and the Viking bones have rotted away, but scraps of wood and hundreds of metal rivets that held the vessel together remain.

The archeologists also unearthed a shield boss ? a circular piece of metal attached to the middle of a shield ? and a bronze ring-pin buried with the Viking. They also found a knife, a whetstone to sharpen tools, and Viking pottery on the site on the Ardnamurchan peninsula on Scotland's west coast.

The boat and its contents were discovered by a team of archeologists from Manchester and Leicester universities working with the cultural heritage organization Archaeology Scotland and consultants CFA Archaeology.

Hannah Cobb, co-director of the project, said the discovery had exceeded expectations.

"A Viking boat burial is an incredible discovery, but in addition to that the artifacts and preservation make this one of the most important Norse graves ever excavated in Britain," she said.

The team of archeologists had been digging on the Ardnamurchan peninsula to learn more about social change in the area.

Vikings from Scandinavia made frequent raids on Scotland and what is now northeast England in the 8th and 9th centuries, and many Vikings set up settlements in the area.

Copyright 2011 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Source: http://www.msnbc.msn.com/id/44960443/ns/technology_and_science-science/

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Presidential debate focusing on Herman Cain as his poll numbers soar (Star Tribune)

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At Patheos: TF: Best-kept secrets (slacktivist)

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Milan judge clears Berlusconi in fraud case (Reuters)

MILAN (Reuters) ? A Milan judge on Tuesday cleared Silvio Berlusconi in a fraud and embezzlement case related to his private broadcaster Mediaset, a rare legal victory for the weakened Italian prime minister who is a defendant in three other trials.

The judge ordered Berlusconi's son Pier Silvio and Fedele Confalonieri, respectively the deputy chairman and chairman of Mediaset, to stand trial in the same case, which has been dubbed the "Mediatrade" case.

"We had always said that there was no wrongdoing and that Berlusconi had nothing to do with this," the premier's lawyer, Niccolo Ghedini, said.

"It's a fairly rare decision ... but nonetheless we still think Berlusconi is being hounded by the Milan judges."

The case centers on accusations that Mediaset acquired television rights at inflated prices in deals prosecutors allege resulted in embezzlement of 35 million euros and an 8 million euro tax fraud.

Berlusconi still faces two separate corruption and tax fraud court cases linked to his business empire, and a third trial where he is accused of paying for sex with an underage prostitute and abusing his power to cover it up.

Berlusconi denies all charges and accuses Milan prosecutors of waging a politically-motivated campaign to oust him from power.

The prosecutors in the Mediatrade case will appeal against the decision to clear Berlusconi, judicial sources said.

(Reporting by Manuela d'Alessandro, writing by Silvia Aloisi, editing by Barry Moody)

Source: http://us.rd.yahoo.com/dailynews/rss/world/*http%3A//news.yahoo.com/s/nm/20111018/wl_nm/us_italy_berlusconi_trial

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Downey urges Hollywood: 'Forgive Mel Gibson'

LOS ANGELES?? It was supposed to be Robert Downey Jr.'s night, but somehow Friday's American Cinematheque Award ceremony became all about Mel Gibson.

When the evening's honoree took to the stage at the Beverly Hills Hilton to accept his doorstop, he had a clear message for Hollywood.

"I urge you to forgive my friend his trespasses," Downey said to loud applause. "Allow him to pursue this art without shame."

It was Gibson who handed out the award to the "Iron Man" star. That was a choice Downey made clear he had made in part to help his friend rehabilitate his image.

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Gibson has become something of an industry pariah in the wake of taped phone calls during which he had used racial slurs and threatened to beat his estranged girlfriend, Oksana Grigorieva. Prior to that, Gibson was already on thin ice with Hollywood, having made anti-Semitic remarks when he was arrested in 2006 for driving under the influence.

Slideshow: Mel Gibson's rocky road (on this page)

Gibson was dropped from a cameo in "Hangover 2" after cast members rebelled, although lately Warner Brothers has made a deal with the actor-director to explore an action film about a Biblical-era Jewish rebellion against oppressors. That too has drawn angry responses from Jewish leaders.

Downey, who had well-publicized bouts with drinking and drug abuse, said that by sticking up for Gibson, he was simply returning the favor. After his imprisonment and arrests on drug charges made him uninsurable and thus prevented him from being hired in Hollywood, it was Gibson who stepped up and paid his insurance bond on the 2003 film "The Singing Detective."

"He kept a roof over my head and put food on my table," Downey remembered.

Slideshow: Career of Robert Downey Jr. (on this page)

He said that all Gibson asked in return was that Downey do the same for another person who was struggling.

"It is reasonable to assume he didn't know the next guy would be him," Downey joked.

In response, Gibson mockingly hit his head against the set.

It's not clear if the gambit worked. Gibson's appearance in a sketch video ribbing Downey for playing a white man pretending to be a black man in "Tropic Thunder" drew laughs, but some were of the uncomfortable variety.

Moreover, the "Lethal Weapon" star stuck close by his friend and fellow presenter Jodie Foster when he entered the hotel ballroom and remained affixed to her throughout the evening as if she were a bulwark against an unfriendly press and public.

However, as Downey has demonstrated, Hollywood loves a comeback.

As "Iron Man" director Jon Favreau said of Downey at one point during the evening: "Not since Joseph in the Bible went from prison to prophecy has someone elevated themselves from so low."

Now it's Gibson's turn to pull off a miracle.

Is Downey right? Should Gibson be forgiven? Tell us on Facebook.

Copyright 2011 Thomson Reuters. Click for restrictions.

Source: http://today.msnbc.msn.com/id/44918712/ns/today-entertainment/

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