Wednesday, October 31, 2012

Android/FakeToken 2.0 Goes Back to Basics | DataProtectionCenter ...

In March a new type of financial attack on Android devices was found targeting customers of several banks in Europe. Dubbed FakeToken, one of the principal differences of this new threat-compared with previous Trojan bankers for Android such as Zitmo/Spitmo-was the fact that both authentication factors (Internet password and mTAN) were stolen directly from the mobile device. In this case the cybercriminals had no need to first infect PCs to steal bank account passwords.

Recently a new version of this malware was found being distributed through phishing emails pretending to be sent by the targeted bank. According to an alert published by the affected bank, the malware attack simulates the real Internet banking site by asking for confidential information like personal email and phone number. This information is used to initiate the mobile attack.

Another technique used to distribute this malware includes injecting web pages from infected computers, simulating a fake security app that presumably avoids the interception of SMS messages by generating a unique digital certificate based on the phone number of the device. The fake web page provides a URL that is intended to be entered into the mobile browser, prompting the user to download/install the malware on the mobile device.

Finally, a third version injects a phishing web page that redirects users to a website pretending to be a security vendor that offers the ?eBanking SMS Guard? as protection against ?SMS message interception and mobile Phone SIM card cloning.?

Once the application is downloaded and the user tries to install it, the malware requests almost the same permissions as the first version, but the application doesn?t access the contact list. This change was likely made to avoid raising suspicions.

Another difference between the two versions is the name that the malware authors used for the malicious application. Instead of naming it ?TokenGenerator,? the new version gives the look and feel of security software for protecting SMS messages received by the customer.

When the user executes the application, the malware shows a WebView component displaying an HTML/JavaScript web page that pretends to be an mToken app and not the ?SMS Guard? used in the name. Instead of asking the user to enter the first factor of authentication this version shows just the fake mToken, which suspiciously never changes.

At the same time, the malware sends to a specific number an SMS message with the device identifier (IMEI) of the affected device. The same identifier, along with others like the IMSI and phone number, are also sent to a remote server to register the infected device in the control server of the attacker. From this point, all SMS content received by the infected device is sent to a remote server and to the phone number specified in the configuration file inside the original APK file.

Taking into account this new version of FakeToken and the recent version of Zitmo, it?s clear that Android Trojan bankers are becoming more prevalent. This is partially due to the increased adoption of mobile banking as well as the constant evolution of cybercriminal methods. By targeting different financial entities and changing their methods, cybercriminal attacks appear more credible (by removing excess functions) to victims and more effective in getting mTANs by intercepting all the SMS messages received by the affected user.

McAfee Mobile Security detects this threat as Android/FakeToken.B and alerts mobile users if it is present on their devices, while protecting them from any data loss. For more information about McAfee Mobile Security, visit https://www.mcafeemobilesecurity.com.

Related stories:

  1. Android Malware Pairs Man-in-the-Middle With Remote-Controlled Banking Trojan
  2. Android malware spies on your SMS messages ? but is it part of the Zeus family?
  3. Android market affected by SMS Trojans
  4. Evolution of Android Malware : IRCBot for Android
  5. Android Malware Acts as an SMS Relay

Source: http://www.dataprotectioncenter.com/antivirus/mcafee/androidfaketoken-2-0-goes-back-to-basics/

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Live Webinar: ?Asian Real Estate ? Christopher Dillon looks at ...

Japan, China and Hong Kong. All three are giants in East Asia and three hot topics where real estate is concerned.

No matter which country you?re in, if you walk into a pub with foreign people hanging about, no doubt you are able to start a heated debate comparing property in the three locales.

While no doubt everyone has their own opinion, there is one man who has the real estate expertise in these three regions to write books about them all.

On Wednesday, November 13th from 2:30pm, realestate.co.jp is proud to present Christopher Dillon, author of the Landed Series, to give us a frank and candid take on what is happening on the ground in these countries and what the future might hold.

If you?re seriously looking to invest in any of these countries or just looking to increase your smarts to sound great at the pub over beers, this is one webinar you will not want to miss!

Register below to receive updates and have Chris address your questions!

Tokyo Apartments For Sale | Tokyo Apartments For Rent | Real Estate Japan

Source: http://www.realestate.co.jp/2012/10/30/live-webinar-asian-real-estate-christopher-dillon-looks-at-opportunities-in-japan-hong-kong-and-china/

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An Excellent Point About Uniformitarianism

During costume-making madness, I?ve been listening to a lot of lectures. Might as well improve your mind whilst preparing for Halloween, eh?

One of the lectures I?ve listened to is Dr. Eugenie Scott?s ?What Would Darwin Say to Today?s Creationists?? One of the things I like about Dr. Scott is that she doesn?t just stop at evolution when it comes to fighting religious nonsense pawned off on the public as ?science? ? she?s also aware of Flood geology and takes time to debunk it, too. And she knew Darwin started his career in science as a geologist. Also, if you head to round the 25 minute mark in that video, you?ll get an excellent description of what uniformitarianism is ? and isn?t.

Most of us know the basics of uniformitarianism: processes we see acting today acted in the past, and explain what we see in the geologic record. It includes the concept of gradual change over time (which is one of those things that got Darwin thinking along the path that led him to evolution). But Dr. Scott makes an excellent point that states more clearly than any other source I?ve heard why Flood geologists and other creationists are so very wrong when they point to events like the eruption of Mount St. Helens and the spectacular erosion seen in its aftermath, and claim this as proof that the Earth?s geology was created in catastrophe instead of forming gradually over time:

?Uniformitarianism, by the way, does not mean that everything that happened in geological history is slow and gradual. Lyell and Darwin and the other scientists of the day knew that there were catastrophic events that produced geological changes, but it?s the process that is the uniformity, as it were, from one time to another. The rate doesn?t have to be the same.?

Keep that quote handy. If you spend much time round Mount St. Helens, you?ll eventually run into flocks of creationists who love to misunderstand uniformitarianism. Their misunderstanding may be willful ? but they?ll have a much harder time confusing innocent bystanders if you explain catastrophes (though not worldwide floods) are very much a part of genuine geology.

Handy, eh?

Source: http://rss.sciam.com/click.phdo?i=d58bf9527b11d719db367cc36487cef3

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Tuesday, October 30, 2012

How to pick up a girl at the gym - Health, Fitness, and Sports

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Obama cancels campaign trip, to view storm damage

WASHINGTON (Reuters) - President Barack Obama canceled campaign appearances in Ohio on Wednesday and scheduled a trip to New Jersey instead to survey damage caused by powerful storm Sandy, a move designed to portray him as a strong leader a week before Election Day.

Obama, who is in a close race with Republican rival Mitt Romney, has dropped three days of campaigning in battleground states to oversee the government response to the mammoth storm, which crippled New York City and much of the eastern United States.

The White House has taken pains to show Obama at work, releasing readouts on briefings he has attended and calls he has made to governors and mayors of states and cities affected by the storm.

After a meeting with emergency management officials, Obama visited the national headquarters of the American Red Cross, where he warned that the storm was not over and encouraged the public to donate to help its victims.

More than 30 people were killed in the storm.

"Our thoughts and prayers go out to all the families who have lost loved ones ... Obviously, this is something that is heartbreaking for the entire nation," he said from a podium with Red Cross workers in the background.

"I want to repeat my message to the federal government: No bureaucracy, no red tape. Get resources where they're needed as fast as possible, as hard as possible, and for the duration, because the recovery process obviously in a place like New Jersey is going to take a significant amount of time."

Obama had already skipped several political events to be in Washington for the storm and its aftermath.

The Democratic president's efforts have drawn approval, even from some of his political opponents. New Jersey's Republican Governor Chris Christie, a Romney supporter who will join Obama to survey the storm damage, praised the president for his response to the disaster.

Obama had originally been scheduled to hold political rallies in Ohio, a critical swing state that could determine who wins the November 6 election.

Romney also canceled some political events, but his campaign announced he would hold rallies in Florida - another battleground state - on Wednesday.

Obama squeezed in a mention of another swing state, North Carolina, while praising emergency workers for helping save lives.

"One of my favorite stories is down in North Carolina, the Coast Guard going out to save a sinking ship. They sent a rescue swimmer out, and the rescue swimmer said, 'Hi, I'm Dan. I understand you guys need a ride,'" Obama said.

"That kind of spirit of resilience and strength, but most importantly looking out for one another, that's why we always bounce back from these kinds of disasters."

BRIEFINGS, LATE NIGHT CALLS

Obama and Romney have tried to avoid coming across as overly political while millions of people across the eastern United States were hit by the storm late on Monday.

Obama held a video teleconference about the storm in the White House Situation Room on Tuesday with top members of his team, including Vice President Joe Biden, Homeland Security Secretary Janet Napolitano, and Craig Fugate, the head of the Federal Emergency Management Agency.

A White House official said Obama wanted to ensure federal agencies were doing everything they could to assist their state and local counterparts.

"I want everyone leaning forward on this. I don't want to hear that we didn't do something because bureaucracy got in the way," Obama told the meeting, according to the official.

The president received updates on the storm overnight and has signed several disaster declarations over the last few days.

Democrats hope his leadership during the storm and the attention that receives will make up for the lost campaign time in states such as Ohio, Florida, Wisconsin, and Colorado, where he has canceled events this week.

Obama and Romney are neck and neck in national polls, but the Democratic incumbent has held a slight lead in many of the swing states.

(Editing by Alistair Bell and Christopher Wilson)

Source: http://news.yahoo.com/obama-cancels-third-campaigning-day-oversee-storm-response-153545352.html

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Kate Middleton Nude Photographer: Identified!

Source: http://www.thehollywoodgossip.com/2012/10/kate-middleton-nude-photographer-identified/

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Sunday, October 28, 2012

Banner Advertising: Can It Generate A Sudden Upswing In Traffic ...

Friday, October 26th, 2012 at 11:02 pm ?

Banner advertising has become one of the most popular forms of online marketing and is widely used by both large and small business. It has been around since the early times. Banner ads give a great return on their investment as long as you don?t make the mistakes that many marketers are making. Read on for some hints that will assist you in creating a banner ad campaign that will get real results. There is no need for anxiety if you are currently experiencing rising water levels that are becoming more difficult to deal with. Web businesses smart enough to give internet marketing a try and have stood the test of time will tell you the same thing, too. Historically, taking advantage of third party independent workers provides for increased time on higher priority activities. There is so much available, as you will soon discover, and we urge you to consider all strategies. But we would caution you to learn about it, first, and even gain some experience with implementing it. When it comes to using freelance help, you have to plan well and know what is necessary to increase your chances of hiring the right people.

Being a webmaster or a blogger, you have to keep in mind that your banner ad has to reflect your website in every way, so that it goes with it. This is important because your ad has to be compelling enough, just like your site. If you make the design of your banner ad easy to work with so that you don?t have to change the basic look of the ad every time, you need to set up a fresh banner. All you have to do is change the wording to start fresh. Your ad should also flow smoothly. Be sure you take the time you need to proofread you banner ad before it goes up. This is a step that you just can?t leave out if you want to design a really successful banner ad. Your commitment to proofreading and correcting an ad that would otherwise be full of errors will correlate directly with how much response that banner gets. Proofreading and effective copy are key, but make sure your banner isn?t too wordy. Keep it as simple as possible. If you want a great banner ad, you need to keep it low key without any clutter. It also cuts down on your work when the ad is straightforward and direct in nature. One of the most effective methods for building traffic is the creation of lucid, uncluttered banners.

You have to remember to keep your banner ad specific enough or else it will confuse your prospects. it is imperative to create your banner ad with precise information and/or pictures about what the offer/service is that you are trying to promote. Another important feature of a banner ad is to have it set up where if the potential customer clicks on it they will be directed immediately to your website. You want your site and your banner ads to be similar. A large difference between the two sites may confuse the visitor and make him wonder if your link transported him to the desired site or if he has landed at an unknown location. Be an effective manager of all your sites and test your banner ads to be sure they really do work as they should. If your banner ad is not functioning properly people may not be directed to your site at all, and most people aren?t going to make the effort to go to a site that has malfunctioning ads. It is also very important to carefully consider which sites exactly to put your banner ads on. If you are promoting a dietary product, and your banner ad is on a web page dealing with junk food, no one may click on your link. Most people would realize this type of advertising would be a bad idea, but other less extreme scenarios do often take place because people aren?t careful about where they put their ads.

We know for sure that banner advertising is not going away anytime soon. It has the capability of attracting visitors to your offer, and it can also help you in creating a brand to distinguish your business. By taking the proper action, and avoiding some common mistakes, you can enjoy the benefits yourself.

Tagged with: business ? make money online ? marketing ? work from home

Filed under: Entrepreneurialism

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Source: http://abizsuccess.info/5465/banner-advertising-can-it-generate-a-sudden-upswing-in-traffic/

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Source: http://harrington42.typepad.com/blog/2012/10/banner-advertising-can-it-generate-a-sudden-upswing-in-traffic.html

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Indonesia arrests 11 suspected militants over U.S. embassy plot

JAKARTA (Reuters) - Indonesia's anti-terrorist squad arrested 11 suspected Islamic militants it said planned to attack the U.S. embassy, a plaza near Australia's embassy and the offices of Freeport-McMoRan Copper & Gold, a police spokesman said on Saturday.

The Detachment 88 squad seized bomb-making equipment and one bomb ready to be used by a new militant group called Harakah Sunni for the Indonesian Society (HASMI), said National Police spokesman Suhardi Alius in a statement.

The arrests by the elite police squad on the island of Java were the latest step in a crackdown by authorities against militants during which dozens have been arrested and at least seven killed.

They come 10 years this month after a bomb attack on Bali killed 202 people, most of whom foreign tourists.

"The first piece of evidence was found at a housing complex in Madiun (Java), a bomb ready to detonate, as well as raw materials for bomb making and instruction books on how to make bombs," Alius said, before listing other evidence of explosives.

He gave no further details about the group's identity.

He listed targets as the U.S. consulate in Surabaya, East Java, its embassy in Jakarta, Plaza 89 in Jakarta, which is in front of the Australian embassy, and the offices of mining company Freeport.

HASMI also planned to attack the Mobile Police Brigade in the central Java city of Srondol, he said.

"We have seen the reports, but cannot comment as this is an ongoing Indonesian security investigation," a State Department spokeswoman in Washington said in an emailed statement to Reuters.

A spokeswoman for the U.S. Defense Department said she was unaware of any request by the State Department to increase security at its embassy in Jakarta in response to the reported arrests.

The Bali bombings, which in turn came just over a year after the September 11 attacks on the United States, were a watershed for Indonesia, the country with the world's largest population of Muslims.

They forced the secular state to confront the presence of a small but dedicated group of followers of Osama bin Laden bent on attacking Western targets.

After 2002, Indonesian forces worked with Australia and other countries to crack down on the al Qaeda-linked Southeast Asian militant group Jemiah Islamiah that was behind the bombs.

The hunt led to the arrest of hundreds of militants. Many were killed in shootouts and the three main perpetrators of the bombings were convicted and executed by firing squad in 2008.

(Reporting by Jakarta bureau; Additional reporting by Andrea Shalal-Esa in Washington; Writing by Matthew Bigg; Editing by Jason Webb)

Source: http://news.yahoo.com/indonesia-arrests-11-suspected-militants-over-u-embassy-193441645--finance.html

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Saturday, October 27, 2012

Non-governmental 457 Plans- Friday Q&A Series | The White Coat ...

Q.

I have access to a non-governmental 457(b) plan at work.? I?d like to save more but someone told me I could lose the money if my employer?s sued.? Should I use it?

A.

I?ve seen variations of this question several times recently, and unfortunately, there?s no good answer.? With respect to retirement plans, it?s usually better to be a business owner- whether an independent contractor or a partner, because you can take advantage of much higher maximum contributions-$50K into a SEP-IRA, Solo 401K, or through a ?self-match? into a profit-sharing plan/401K.? A business owner may also have a cash balance plan and maybe even an HSA on top of that.? An employee is lucky to be able to put $17K into a 401K.? So often times an employer will offer a 457 in addition to a 401K, or more typically, its governmental cousin the 403B.? This allows an employee to sock away $34K instead of just $17K.

Benefits of a 457 Plan

The main benefit of using a 457 plan is you basically get another 401K/403B.? You can double your tax deduction and double your savings.? Another benefit is that 457 plans are not subject to the Age 59 1/2 rule, meaning you can access the money without penalty as soon as you leave the employer.? So they?re a great option for someone planning an early retirement.? You just withdraw from the 457 first.? 457s, like most retirement plans, are good asset protection vehicles since they are generally protected from YOUR creditors.

Two Types of 457(b)s

When discussing 457 plans it?s important to recognize the difference between a governmental and a non-governmental 457.? In a governmental plan, the money is held in trust, i.e. not subject to the employer?s creditors.? The money can also be rolled over into an IRA upon separation from the employer.? Not so with a non-governmental plan.? That money technically belongs to the employer, and is thus subject to the employer?s creditors.? Even when you quit the job, your 457 money can only be withdrawn or transferred to another non-governmental 457 plan.? It can?t be rolled over into a 401K or IRA.

Tax Savings Vs Risk Of Loss

Most doctors with access to a governmental 457 should be maxing it out.? With a non-governmental 457 the right move is a little less clear.? You have to balance the tax savings of having another retirement account, especially one you can access before age 59 1/2 without penalty, with the potential risk of loss.? Personally, I think the risk of loss due to your employer going bankrupt is pretty low.? While I?m sure it?s happened, I?ve never heard of it happening.? It certainly isn?t common.? I don?t think I?d be willing to give up a $5-6K per year tax break because of that worry.? I?m much more worried about market risk than 457 risk.? So I?d go ahead and use the plan.? But I?d be sure to max out my 401K and Backdoor Roth IRAs first.? And I?d definitely spend that money first in retirement.

Source: http://whitecoatinvestor.com/non-governmental-457-plans-friday-qa-series/?utm_source=rss&utm_medium=rss&utm_campaign=non-governmental-457-plans-friday-qa-series

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'Cloud Atlas', 'Chasing Mavericks' and more: Movie review roundup ...

The long-awaited ?Cloud Atlas? hits theaters this weekend, and the three-hour, time-jumping, science-fiction epic is likely to provoke awe, ridicule, and everything in between. ?With a cast featuring Tom Hanks and Halle Berry, and three directors (the Wachowski siblings and Tom Tykwer), it?s a unique mixture of big-budget action and heady philosophizing.?

Less revolutionary fare on tap includes the fact-based surfing tale ?Chasing Mavericks? and a scathing documentary look at the War on Drugs, ?The House I Live In.?

The Northwest Film Center will be screening Russian director Aleksandr Sokurov?s version of the ?Faust? legend, while the third annual Humanist Film Festival is covered in this week?s ?Indie & Arthouse? column.

Source: http://www.oregonlive.com/movies/index.ssf/2012/10/cloud_atlas_chasing_mavericks.html

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Mental health event to raise awareness in Edinburgh ...

AN interactive event aimed at raising awareness of mental illness and the stigma surrounding it will take place in Caf? Camino inEdinburghon Monday (October 29 from 1.30pm ? 4pm).

The Mental Health Information Day has been organised by NHS Lothian in partnership with Health in Mind, Advocard and Edinburgh Carers Council.

Carers and people who have been affected by mental illness are invited to come along and find out more about the services available to them, talk to staff and learn how to manage their condition.

Jane Sutherland, lead occupational therapist, NHS Lothian, said: ?I would urge people to come along to this event and find out more about what services are available to them.

?The purpose of the day is to assist in raising awareness of mental illness and to reduce the stigma which still surrounds it. Participants will have an opportunity to talk to a wide range of staff from various projects including NHS Lothian and social work colleagues.

?There will be nurses, a psychiatrist, a psychologist and occupational therapy staff, all happy to discuss things in relation to mental illness.?

As well as getting your fitness checked on a rowing machine, thanks to Edinburgh Leisure. The event will also offer an alternative therapy taster session, including massage.

There will also be an opportunity to get information on benefits and education opportunities.

Linda Irvine, strategic programme manager, Mental Health and Wellbeing, NHS Lothian, said: ?This is an excellent event for people who want to find out more information about what is available to them within their local community.

?The event will also help to build stronger links between services and service-users and I would encourage people to come along on the day and find out more.?

ENDS

Notes to Editors

  • ?The Mental Health Information Event has been organised by NHS Lothian in partnership with Health in Mind, Advocard and Edinburgh Carers Council. The event takes place on Monday October 29 from 1.30pm to 4pm at Cafe Camino, 1 Little King Street, EdinburghEH1 3JR(in St Mary?s ParishChurch). Tea and coffee will be provided.
  • Acclaimed poet, Jo McFarlane, will share some of her poems at around 2.30pm.
  • Other projects attending on the day will be: Action on Depression, Advocacy, Scottish Recovery Network, LGBT, Redhall Garden Project.
  • Health in Mind promotes positive mental health and wellbeing in Scotland. More information can be found at www.health-in-mind.org.uk
  • Advocard is a service user-led, independent advocacy organisation. More information can be found at: www.advocard.org.uk
  • Edinburgh Carers Council are an independent organisation that provides advocacy, information and learning opportunities to carers. More information can be found at: http://www.edinburghcarerscouncil.co.uk/

David Ridd

CommunicationsOfficer

NHS Lothian

0131 465 5648

07730 616 435

david.ridd@nhs.net

Contact: Doreen Graham
Phone: 01312430137
Email: doreen@health-in-mind.org.uk
Website: http://www.health-in-mind.org.uk

Source: http://www.allmediascotland.com/media-releases/41265/mental-health-event-to-raise-awareness-in-edinburgh/

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Friday, October 26, 2012

Drafty? How to Seal Your Windows and Doors From the Cold

Drafty? How to Seal Your Windows and Doors From the ColdWith temperatures dropping, you don't want to let the outside in. There are various easy ways you can seal tight your leaky windows and doors. The DIY experts at Stack Exchange tell you how.

Illustration by Sean Gallagher.

Question:

I currently live in a rented apartment and the windows in my shower are not sealed, so it gets pretty cold there. The front door of the house also has a sealing problem.

The thing is, I'm not going to stay in this apartment more than a couple of months.

So, what are some good, cheap, fast solutions to seal my windows and front door as much as possible?

? Originally asked by Asaf

Answer: Stripping & Film

If your leaking problem is from loose fitting window sashes or a poor fitting door, the simplest and cheapest method would be to purchase some self-adhesive foam weather stripping. This rolled product can be easily installed at the bottom of a window or around the outside edge of the door frame. Select the smallest size that will help seal the gaps, then just peel and stick. Too large and you may have difficulty closing the door etc.

Another good window treatment is the clear plastic window film that mounts to the frame of the window. Use a hair dryer to "stretch" the film, thus sealing any air leaking in around the sides or through poorly glazed panes.

All these products are cheap and avail at any hardware store or box store like Lowes or Home Depot. Stay warm!

? Answered by shirlock homes

Answer: Window Insulator Kit

Indoor Window Insulator Kits

Get a window insulator kit. It is made of a clear, plastic material that goes over the window, with double-sided tape around the edges to seal it. It's easy to set up and helps a lot with drafty windows. (Pictured to the right.)

? Answered by Joe Phillips

Answer: Foam & Sillicone

If you can actually see the gaps in the windows, a can of "Great Stuff" would probably do the trick. It's an expanding foam that you spray into gaps.

Or you could use a squeeze tube of "DAP Silicon II" and run a bead of it around the window. I'm going to assume that if you're in an apartment for the short term you either don't have a caulking gun or don't want to buy one (don't need yet ANOTHER thing to move when you do move), so the link goes to a "squeeze it yourself" tube of Silicon II.

As for the door, if it's just a short term thing you may want to just wad up a bath towel and put it along the bottom of the door as a draft blocker for the short term.

? Answered by James Van Huis

Beware "Great Stuff"

Don't use "Great Stuff" behind window casings and door jambs. It and its triple-expanding cousins can just about blow 1" lumber off the house framing, severely warping window casings so windows won't slide, and mucking up door jambs in a similar manner.

Low expansion foam, which is specifically labelled for door and window installation, should be the only product you use here. I had to help un-DIY a door installation. It involved a long bread knife, a long straight edge and cutting long thin wedges out of the foam until the door casing lumber was straight again.

? Comment by Fiasco Labs


Did we miss something? Do you know a better way to seal your windows and doors? Bring your expertise to the question at Stack Exchange ? a network of Q&A sites on diverse topics from software programming to Apple & Android to bicycles... and plenty in between.

Source: http://feeds.gawker.com/~r/lifehacker/full/~3/3jPjV0y4GTw/drafty-how-to-seal-your-windows-and-doors-from-the-cold

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Williams beats No. 1 Azarenka at WTA Championships

ISTANBUL (AP) ? Serena Williams extended her dominance over the top-ranked player in the world on Thursday, defeating Victoria Azarenka 6-4, 6-4 at the WTA Championships.

Williams improved to 11-1 overall against Azarenka, winning the last nine matches. Williams beat Azarenka in the semifinals of Wimbledon and at the London Olympics.

"Maybe I'm doing the right things at the right time," said Williams, who also beat Azarenka to win the U.S. Open title before taking six weeks off.

Despite the loss, Azarenka can secure the No. 1 position with another victory in the round-robin tournament, which features the top eight players.

Williams, who is projected to finish the year at No. 3, won her third match at the event when Azarenka served a double-fault. Azarenka also lost the first set on a double-fault and finished with nine.

"I had a lot of opportunities and I didn't use them. I couldn't keep up," Azarenka said. "It's one of these days, I am a little said because I broke her a lot and I had a lot of chances."

The Belarusian squandered a 3-0 lead in the second set as Williams won the next four games.

"I just was able to play better than I did in my first couple of rounds," Williams said. "That was what I was going to have to do going up against the No. 1 player in the world."

Li Na beat Angelique Kerber of Germany 6-4, 6-3 in another Red Group to retain a slim chance of advancing. Sara Errani defeated Samantha Stosur 6-3, 2-6, 6-0 in the White Group.

Stosur replaced defending champion Petra Kvitova, who withdrew because of illness.

Li's first win in two round-robin matches means the Chinese player can still reach the semifinals, depending on other results in her group.

The fifth-ranked Kerber, making her first appearance in the season finale, bowed out after losing all three of her matches. She played more than three hours on Wednesday night in a three-set loss to Azarenka.

The top two players from each group advance to the semifinals.

Williams and Maria Sharapova, who was idle Thursday, have already qualified for the semifinals.

Sharapova, the French Open champion, could still take the No. 1 ranking away from Azarenka.

Williams has dominated the second part of the season, winning Wimbledon, the U.S. Open and Olympic gold in London. She's won 46 of her last 48 matches, but because of injuries and missed tournaments, cannot attain the top ranking.

Source: http://news.yahoo.com/williams-beats-no-1-azarenka-wta-championships-183741788--spt.html

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Biogen third-quarter profit rises, as does 2012 forecast

(Reuters) - Biogen Idec Inc reported much higher-than-expected third-quarter profit on Thursday on increased sales of its drugs for multiple sclerosis and cancer, and the U.S. biotechnology company raised its full-year earnings forecast.

The results were also helped by lower-than-expected costs, analysts said.

"They put up a nice solid quarter," said RBC Capital Markets analyst Michael Yee. "What's being appreciated in biotech is the consistent beat and raise by all four of the large cap biotechs this week and that's got the sector on the move."

In addition to Biogen, Amgen Inc, Gilead Sciences Inc, and Celgene Corp all reported higher-than-expected third quarter profits and raised their full-year earnings forecasts.

Excluding one-time items, Biogen earned $1.91 per share, topping analysts' average expectations by 31 cents, according to Thomson Reuters I/B/E/S. Biogen shares rose 2.6 percent.

Biogen now expects 2012 earnings of $6.40 per share to $6.50 per share, excluding items, up from its prior view above $6.20.

The company also now expects 2012 revenue growth to be in the mid-to-high single digits in percentage terms, compared with 2011. It had forecast growth in the mid-single digits.

Wells Fargo analyst Brian Abrahams said in a research note the new forecast was in a range that he and Wall Street had expected, adding "and with this quarter's performance seems easily achievable or beatable".

However, most investors are focused on Biogen's experimental oral MS drug BG-12, which is expecting a U.S. approval decision around March, after the Food and Drug Administration earlier this month extended its review of the medicine by three months.

The company told analysts the agency had some questions for which Biogen submitted written responses, but that they did not involve any additional safety analysis. It said the FDA simply needed more time to review the BG-12 data and characterized the delay as the normal course of business. It had previously said the FDA was not seeking any additional data.

Biogen shares have nearly doubled during the last 18 months, driven primarily by enthusiasm over the impressive data for BG-12, also known as dimethyl fumarate. Once approved, BG-12 would be the third oral treatment for the debilitating disease, but based on its safety and efficacy data it is expected to become the industry leader with annual sales in excess of $1 billion, according to analysts. MS affects more than 400,000 people in the U.S., and 2.1 million worldwide, according to the National Multiple Sclerosis Society.

The company told analysts on a conference call it was "well prepared for upcoming product launches" and said costs would likely rise in the fourth quarter as it gets ready to start selling what is seen as by far its most important future growth driver, BG-12.

Biogen also expects to submit an application in the first quarter of 2013 seeking U.S. approval of its promising long-acting treatment for hemophilia B - the less common form of the disorder in which patients lack certain proteins necessary for blood clotting. Hemophilia will be a new market for the company.

Key data on an experimental drug for ALS, also known as Lou Gherig's disease, is expected late this year or early next year, Biogen said.

Biogen's net profit in the third quarter rose to $398 million, or $1.67 per share, from $354 million, or $1.43 per share, a year ago.

Revenue rose 6 percent to $1.39 billion, a tad above Wall Street estimates of $1.38 billion.

Sales of the MS drug Avonex rose 8 percent to $736 million. Biogen reported that its revenue from its other multiple sclerosis treatment Tysabri dipped 1 percent to $275 million.

Irish drugmaker Elan Corp, Biogen's Tysabri marketing partner, previously reported worldwide sales of $404 million for the quarter, with U.S. sales of the infused drug higher than expected, while sales outside the United States fell short of analysts' estimates.

The company said 2,100 new Tysabri patients were added in the third quarter. The medicine is approved for patients who have had an inadequate response to or are intolerant of other MS treatments.

Avonex demand was being driven by the recently available, more convenient pen-like injector for the drug. Biogen said it was seeing significant conversion from the older needle delivery system, and that more than two-thirds of new Avonex patients were using the once-weekly pen injector.

International Avonex sales were $274 million. While the result was strong, it was hurt somewhat by unfavorable foreign exchange rates and price decreases in some markets like Spain and France.

Company revenue for Rituxan, the non-Hodgkin's lymphoma and rheumatoid arthritis drug Biogen co-markets with Roche, rose 8 percent to $288 million.

Biogen Idec shares rose $3.81, or 2.6 percent, to $145.87 in late morning trade on the Nasdaq.

(Reporting by Bill Berkrot; Editing by Gerald E. McCormick, Jeffrey Benkoe and Andrew Hay)

Source: http://news.yahoo.com/biogen-third-quarter-profit-rises-does-2012-forecast-123809895.html

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Thursday, October 25, 2012

Iraqi Community | Making use of these kind of financial products ...

Based on 2005 Singapore inhabitants data, outside of an full inhabitants involving several, 351, 300, non-resident inhabitants ended up being all-around 797, nine hundred. It really is approximated that will beyond 10 folks employed in Singapore, six to eight ended up Singapore individuals, 1 ended up being everlasting hawaiian for resident ) along with the rest of the about three ended up and also the. Throughout 2005, there have been almost 9. 7% everlasting hawaiian for resident ) within this nation. Furthermore, your Singapore Fiscal Growth Aboard (EDB) is constantly on the bring the eye involving and also the by way of their valuable characteristics. The idea supports your and also the for you to help with Singapore?s market expansion along with permitted these people to many in the the law along with responsibilities involving individuals similar to qualifications pertaining to government-sponsored home, mortgage loans, Country wide solutions pertaining to males plus much more.

Today, a significant number involving and also the are generally using everlasting house throughout Singapore because of a lot of economic motives. Aside from, this specific nation is fiscal expansion perhaps not simply gives advantages for you to their individuals nevertheless for you to everlasting people along with and also the also.

A number of significant advantages that will bring a significant number involving and also the in direction of this specific state are generally the following:

Uncomplicated method of availing Singapore mortgage loans:

There are many regulations pertaining to and also the as well as everlasting people whom are trying to find a new home mortgage loan nevertheless recall it really is perhaps not hard to obtain acceptance. A new foreigner could possibly get right up for you to seventy ? 80% involving control via leading finance institutions, even though in certain various other nations it really is fairly substantial. By way of example, anyone could possibly get control all-around 62 ? 70% throughout Questionnaire and when you may need control as much as 80% and then you?ll want to out and about Creditors Home finance loan Insurance plan (LMI), whilst in various other nations it really is fairly hard to obtain control pertaining to house loan because of their complex house loan plans.

Aside from, anyone could possibly have a lot more than 80% pertaining to home mortgage loan throughout Singapore should you be pretty conscious in the nation is plans as well as should you be recognized by simply a specialist home finance loan advisor.

Accommodating plans pertaining to getting hawaiian for resident ) components:

This specific nation gives accommodating plans pertaining to getting hawaiian for resident ) components. Restricted resident properties can be even purchased by you by simply receiving endorsement via Singapore Territory Power. Furthermore, receiving acceptance can be simple; all you need to perform can be fill out an application with the required records. Should you be and also an expert home finance loan advisor then you can definitely easily end up the procedure soon enough.

Refined mortgage loan plans

: while trying to get Singapore home loans, because acceptance procedure, file submission, program submission along with other related works are easy complicated problems mightn?t be faced by You. In the event that you uncertain in regards to the nation is house loan plans, and then it is best for you to search for loans and also an expert home finance loan advisor.

Each one of these significant positive aspects induce and also the to look at way up everlasting house throughout Singapore. Nevertheless, always obtain the greatest control as you possibly can utilizing a specialist home finance loan specialist whom may be conscious involving the various finance institutions along with his or her control rates.

Loan, meticulously study all of the price it?s going to incur. Always be conscious of most rates of interest along with related service fees. You need to shell out by the due date along with throughout total.

Certainly not access a higher price when compared with you are able to find the money for for you to pleasantly settle. Often that they offer a higher price then you certainly have to have, nevertheless in case you take over you happen to be beneficial you?ll be able to pay off straight away, then you certainly are generally simply gonna injure your self in the long run.

A few loan businesses get evaluations using as well as are generally users involving Bbb. Check always while using BETTER BUSINESS BUREAU pertaining to recorded grievances which has a supplier ahead of deciding upon credit present from their store. In the event that you discover this specific business features a lot of grievances, and then it really is throughout your very best hobbies to appear anywhere else.

Comparability go shopping for creditors rates of interest along with service fees change by simply financial institution. The most effective discounts are generally generally way too great to get accurate, therefore accomplish your current assignments in it 1st. For that reason, anyone should not choose a new cash loan business until eventually adequate research has been done by you.

Even though there might be lots of records engaged, anyone would not have for you to behave such as the normal buyer. Usually do not always be frightened for you to inquire for you to talk which has a manager consequently a better deal can be negotiated by you. You may identify that these firms are going to be prepared to get rid of a number of to achieve additional.

A new debts doctor will help anyone do away with your hard earned money improve debts. This may necessarily mean you?ve got true issues using debts operations. Debts counselling might help anyone appreciate a much better life and solve these problems.

Merely use quick income financial products in the event that you end up throughout a genuine crisis. These kind of financial products could lure anyone in a very never-ending cycle that may be really hard for you to get free from. Quick loan firms could be alternatively manipulative. They might preserve anyone paying out your lowest if you do not have a a place where you are supposedly not able to shell out your mortgage loan rear.

Go through all the significances of your respective contracts and records ahead of obtaining a cash loan. Your conditions in the mortgage loan, your deadline plus the apr are generally a few of the things which is going to be spelled out and about inside fast advance loan papers that you just indicator. The agreement will be signed by the fast cash loan agent, and thus would you like to.

Merely sign up for a new quick loan when you have zero various other choices. When you can are living by it, usually do not purchase the idea. Usually do not make use of a fast advance loan to cover pertaining to careless things similar to furniture and new dresses. If you do you are simply wasting money. Recall that will you should have to pay for your mortgage loan rear shortly.

Make sure to choose quick loan advertisements which has a feed involving sodium. These kind of advertisements are created to entice anyone throughout, nonetheless they usually do not explain to every thing to you. Your cash via these kind of financial products can be frequently additional complex as opposed to adverts steer one to consider. Discover in regards to the financial products offered along with that happen to be most readily useful for the predicament when you implement.

As support A fast cash loan can be used by anyone with bad credit. Using this type of in your mind, usually do not intend to pay for your current day-to-day charges as well as cancel your current standard cash flow irresponsibly. Making use of these kind of financial products constantly could in a negative way affect your funds along with where you can perhaps not pay them straight back a cycle can be entered by you.

Source: http://www.iraqicommunity.org/financial/making-use-of-these-kind-of-financial-products-constantly-could-in-a-negative-way-affect-your-funds-along-with-where-you-can-perhaps-not-pay-them-straight-back-a-cycle-can-be-entered-by-you/

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Obama talks 2nd term; Romney zeroes in on economy

DAVENPORT, Iowa (AP) ? President Barack Obama is confidently predicting speedy second-term agreement with Republicans to reduce federal deficits and overhaul immigration laws, commenting before setting out Wednesday on a 40-hour campaign marathon through battleground states that could decide whether he'll get the chance. Republican Mitt Romney looked to the Midwest for a breakthrough in a close race shadowed by a weak economy.

Romney declared, "We're going to get this economy cooking again," addressing a boisterous crowd in Reno, Nev., before flying back eastward to tend to his prospects in Ohio and Iowa. Romney urged audience members to consider their personal circumstances, and he said the outcome of the Nov. 6 election "will make a difference for the nation, will make a difference for the families of the nation and will make a difference for your family, individually and specifically."

With 13 days until Election Day, opinion polls depicted a close race nationally. Romney's campaign claims momentum as well as the lead in Florida and North Carolina, two battleground states with a combined 44 of the 270 electoral votes needed to win. Obama's aides insist the president is ahead or tied with his rival in both of those states and in the other seven decisive battlegrounds.

Not even Obama, in an interview with radio host Tom Joyner, predicted that fellow Democrats would win control of the House from Republicans, who are looking to renew a majority they won two years ago in a landslide triggered by the tea party.

The Democrats and Republicans are struggling uncertainly for control of the Senate. And for the second time, a hard-fought Senate campaign was jolted by a dispute over abortion, in this case a statement by Republican Richard Mourdock of Indiana that when a woman becomes pregnant by rape, "that's something God intended" and there should be no abortion allowed.

Romney said he disagreed with the remarks. However, unlike an earlier abortion-related controversy involving Rep. Todd Akin of Missouri, Romney did not disavow his support for Mourdock, who is locked in a close race with Rep. Joe Donnelly, his Democratic opponent.

The president's major focus was his coast-to-coast-and-back again tour.

"We're going to pull an all-nighter. No sleep," the president said shortly after Air Force One touched down in Iowa, first stop of a swing that included Colorado, California, Nevada, Ohio, Virginia and Florida, with a quick stop in Illinois to cast an early ballot, before he returns to the White House on Thursday evening.

On his second stop of the long day, Obama told a crowd of about 16,000 people at Denver's City Park that he as "fired up" ? though temperatures dropped near 50 degrees. It was in Denver that Obama had his lackluster first debate performance early in the month. He didn't mention that on Wednesday.

"This may not be the last time you'll see me," Obama told the crowd. Colorado is considered one of the toughest of the battleground states for him to hang onto in this election.

The Electoral College map explained Romney's focus on Ohio ? a state no Republican has lost in a winning presidential campaign ? as well as on Iowa. Together, they account for 24 electoral votes out of the 270 needed.

Barring a last-minute change ? some Republicans said there is still time for a late play in Pennsylvania or Minnesota ? Obama is ahead in states and the District of Columbia with 237 electoral votes. The same is true for Romney in states with 191 electoral votes.

That leaves North Carolina, Florida, Virginia, New Hampshire, Ohio, Wisconsin, Iowa, Nevada and Colorado and their 110 electoral votes up for grabs, more than enough to give either contender a chance at the presidency.

Obama's far-flung rallies were somewhat overshadowed by a day-old interview with top editors of the Des Moines Register, originally meant to be off the record, made public by the White House under public pressure from the newspaper. Without ever saying so, by his comments Obama sought to undercut Romney's oft-repeated claims that he had worked successfully with Democrats while governor of Massachusetts and would do so again in the White House.

The president said he is "absolutely confident that we can get what is the equivalent of the grand bargain" on the federal budget that he and Republicans futilely pursued in 2011, including $2.50 in spending cuts for every $1 in higher revenue, with steps to reduce the costs of health care programs.

"We can credibly meet the target the Bowles-Simpson Commission established of $4 trillion in deficit reduction" over a decade, he said.

Efforts to agree on a sweeping deficit-cutting deal with House Speaker John Boehner more than a year ago fell apart when liberals resisted measures Obama has accepted, including a gradual increase in the age of eligibility for Medicare to 67 from 65, and conservatives balked at the speaker's willingness to include higher tax revenue in any agreement.

Nor did the president embrace the recommendations put together by the Bowles-Simpson Commission, a panel of outsiders that he appointed to recommend a solution to the nation's long-running budget deadlock.

As for immigration, another issue that seems permanently gridlocked, the president said, "Should I win a second term, a big reason I will win a second term is because the Republican nominee and the Republican Party have so alienated the fastest-growing demographic group in the country, the Latino community."

It was a suggestion that Republicans will have to ease their opposition to measures giving illegal immigrants a path to permanent residence or citizenship if they lose the election.

Romney, in Reno, departed from previous campaign speeches and sought to personalize the choice voters face.

He ticked through several different hypothetical situations ? a senior citizen struggling to pay for health care, a young family trying to educate their kids, an unemployed worker looking for a job ? and insisted each would be better off under a Romney administration.

"How many here identify with stories like that in your own home?" he asked, and hands shot up across the room.

"This is an election about your family," the Republican challenger said.

Romney running mate Paul Ryan was in Ohio, but not for a typical, late-campaign rally. Instead, in a speech at Cleveland State University, he said that in the nation's long-running "war on poverty, poverty is winning." He said community ? the work done by churches, charities, friends and neighbors ? is critical, although government, too, has a role in helping the disadvantaged.

"There has to be a balance, allowing government to act for the common good, while leaving private groups free to do the work that only they can do," he said.

Vice President Joe Biden, too, campaigned in Ohio, where he insisted that Republican protests notwithstanding, Romney and Ryan back a massive tax cut for the rich.

"My mother said, Joey, if it looks like a duck and walks like a duck and quacks like a duck, it's a duck. Man this is one quacking duck," Biden said.

Obama did not mention the abortion controversy in Indiana, but his campaign spokeswoman did. Jennifer Psaki told reporters that the president finds Mourdock's comments "outrageous and demeaning to women."

Nor did Romney mention the flap. Spokeswoman Andrea Saul said the campaign has not asked Mourdock to stop airing the endorsement TV ad Romney recorded.

There were echoes of the Republican National Convention in a new television commercial featuring Clint Eastwood and paid for by the super political action committee American Crossroads. A second term for the president would be a "rerun of the first, and our country just couldn't survive that," says the actor, who sharply criticized an imaginary Obama during a GOP convention speech to an empty chair.

Obama's campaign unveiled a new 30-second ad reminding supporters of the dangers of complacency. Recalling the 2000 Florida recount that tipped the election to George W. Bush, the narrator says, "If you're thinking your vote doesn't count, that it won't matter, well, back then, there were probably at least 537 people who felt the same way." Images of war, economic hardships and the infamous hanging chads from disputed Florida ballots scroll by.

___

Associated Press writers Kasie Hunt in Nevada, Philip Elliott and Matthew Daly in Ohio, Beth Fouhy in New York and Ken Thomas in Washington contributed to this story.

___

Follow Ben Feller at www.twitter.com/BenFellerDC

Source: http://news.yahoo.com/obama-talks-2nd-term-romney-zeroes-economy-223643514--election.html

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Breaking Dawn Part 2 Clip: Let's Wrestle!

Source: http://www.thehollywoodgossip.com/2012/10/breaking-dawn-part-2-clip-lets-wrestle/

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Wednesday, October 24, 2012

Microsoft gives peek at new Windows, tablet

SHANGHAI: U.S. computing giant Microsoft on Tuesday gave the key Chinese market an early peek at its new tablet computer and Windows 8 software, promising a "fast and fluid" operating system.

Microsoft will launch Windows 8 and the Surface tablet computer, designed to compete with Apple's popular iPad, in the United States on Friday. The launch of the two products in China is the same day.

Windows remains the dominant platform for personal computers, but it has lost ground to Apple and Google in newer devices which use rival operating systems.

"With Windows 8, we introduced this fast and fluid experience that works across a broad range of different types of PCs (personal computers)," said Steven Sinofsky, president of Microsoft's Windows division.

"Windows 8 seamlessly moves between a world of touch-only tablets to laptops that have touch screens to desktops and to portable computers without touch screens," he said in a speech to the media in Shanghai.

Microsoft's new tablet computer was designed to be a platform for Windows, Sinofsky said, as he compared the challenger to Apple's iPad.

"Even though it's bigger than an iPad, it's actually lighter in your hand because of the way the physics of the design work," he said.

The Surface has a full-sized USB port unlike the iPad, a built-in stand and a cover which doubles as a keyboard, he said.

It runs the new Windows RT, a form of Windows 8, and comes with Microsoft Office 2013.

It is not Microsoft's first foray into the tablet market. In 2000 the company unveiled a prototype tablet PC and shortly afterwards began licensing its specifications to various manufacturers.

An analyst said Microsoft's tablet would battle for market share in China, which has the world's largest number of Internet users at more than 500 million.

"It doesn't have a price advantage over the iPad, so consumers who can afford a tablet may still be inclined to choose Apple's iPad," said Gerry Xu, of global information company IHS.

Some who have tested Windows 8 complain about the change from earlier versions of Windows, which could force users to relearn how to operate their computers, the New York Times reported Sunday.

Sinofsky acknowledged the difference with older versions but said Windows 8 was designed for the "modern world".

"It's a completely different feel. It's clean. It's beautiful. It's intuitive," he said.

Sinofsky said Microsoft hoped to add up to a billion new customers with Windows 8, which aims to replace earlier versions of its dominant operating system.

"It's (Windows) used by over a billion people around the world and with Widows 8 we're aiming towards the next billion," he said.

Microsoft has been hurt by piracy in China. Industry group the Business Software Alliance last estimated in 2008 that 80 percent of software used in China was pirated.

Ralph Haupter, Microsoft's chairman and chief executive officer for the Greater China Region, said the mainland was an important market.

"China is a big business opportunity for us. China is also the place where many devices get developed, designed, built, but these days, even more importantly, get sold," he told reporters.

A company spokesman said Microsoft does not release sales and revenue figures for China alone.

Source: http://www.dailystar.com.lb/Technology/International/2012/Oct-23/192442-microsoft-gives-peek-at-new-windows-tablet.ashx

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New Honda City with Audio Visual Navigation launched at Rs 9.72 ...

Home ? Cars News, General, Honda ? New Honda City with Audio Visual Navigation launched at Rs 9.72 lakhs in India

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After announcing the launch of a new modified City sedan for CNG kits earlier today, Honda India has announced the launch of a new City variant which will feature?"Interactive Intelligence" AVN - Audio Visual Navigation. The price of this new City with AVN starts from Rs 9.72 lakhs for the manual and Rs 10.46 lakhs for the automatic.

The new Honda City MT AVN and City AT AVN will feature features like bluetooth, DVD player, audio visual navigation, touchscreen, CD player, and connectivity for USP, iPod, AUX. On the inside, the new City will features plush seats with leather upholstery with leather wrapped gear shift knob (MT) and leather strapped steering wheel.

Speaking on the occasion Mr. Jnaneswar Sen, Sr Vice President, Honda Cars India Ltd. said "Honda City is one of the most successful car brand in the country and certainly the most desirable sedan in its category due to its unmatched values of performance, mileage and overall reliability. We are extremely happy to bring the City with a CNG option for our customers. Adapting the CNG technology is another step to keep low cost of ownership for our customers and will add to the appeal of the car, as it will not only be cheaper to run and maintain but also eco-friendly.?In line with the preferences of our customers, we are delighted to introduce the new variant with Audio Visual Navigation which makes the car even more desirable in its category."

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By: Sagar Patel |

Source: http://www.rushlane.com/new-honda-city-with-avn-1249395.html

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