Personal Finance | The Jersey Report

Social Finance Forum

? Hybrid Structures: Lessons Learned

Session: Hybrid structures: LearnedZUSAMMENFASSUNG lessons: Do we need new legal form for social finance companies winning the U.S. and Britain are experimenting with new legal structures (low income, limited liability companies ?L3Cs? and community interest company ?CICS?), investment ?Enterprises hybrid ?to promote ? that the goal of a mixture of social / environmental refund. For more information on these international examples to examine how these ideas are angepasst.Diskussionsteilnehmer Canadian contact: Mark Convery (moderator) PartnerOgilvy Renault LLP, association, charity and justice richard-Br?ckeB.A. LL . BBarrister development reso & Elizabeth & Gordon B. SolicitorBob LangCEOMary Mannweiler Foundation Inc.Stephen Lloyd Senior Partner of Social Enterprise Law of Charitable Institute for charitable AssociationBrian IlerPartnerIler Campbell LLP?BER Forum: The forum is the culmination of a social finance pioneers of Canada on social finance practitioners Market Maker conditioning. Hielt mainstream to Mars in 18 Newsletter November 2008.WEITERE: www.marsdd.com/socialfinanceforum/

Personal Finance

personal finance principles concerning the implementation of financial decisions about money from a person or family unit. It shows ways to reach those families or individuals to save, spend or budget appropriations of money over a longer period, taking into account the various risks of financing future events of life. Finance Personal included the payment for the purchase of insurance (property or health insurance) or buying the property, or the personal education, finance, components, etc. can register your savings account include, credit cards and consumer debt, so that investments in the stock market, retirement plans, and benefits of social security, insurance policies and management of income tax.

The key factor of rel = ?nofollow? the funding covers Financial Planning. Financial Planning is an active process that requires continuous monitoring and reevaluation. In general, financial planning involves five areas of basic steps are mentioned in detail below: classified ? The financial condition of the taxi man easily with easy creation of Issue expenses ? financial balance profit loss can be calculated. Balance shows a person, the value of personal assets (such as, clothes car, house, bank accounts at the bank or stocks), and liabilities of personal (such as bank loans, credit cards, loans, mortgages, etc.) on the income statement a list of all personal expenses income setting goals -. There are two examples of objectives, namely (a) retirement at age 65 say with personal income, can be adjusted 000 000 (b) purchasing a house or property within three years the cost of monthly mortgage payment for service that did not extend the 25 percent of gross income. It is very common to many destinations in mind, to put such a combination of both short-and long-term goals. Set goals for funding helps manage Financial Planning Create a plan -. Financing plan showing the way how to achieve that goal is set. It can also say, for example, reducing unnecessary costs and undesirable, to find another source of revenue growth through work or some money to invest on the stock exchange like stocks or bonds Making -. for personal financial plan of a single discipline and perseverance required very often. many can go to professionals to receive or help. the experts are accountants, investment advisor, attorney or financial planner reassessment and follow-up -. With the passage of time a person?s individual funding should allow revaluation items or changes are monitored.
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Source: http://www.thejerseyreport.com/personal-finance/

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Egypt: Police, protesters in bloody clash

CAIRO?? Egyptian riot police firing tear gas and rubber bullets stormed into Cairo's Tahrir Square Saturday to dismantle a protest tent camp, setting off clashes that killed one protester, injured hundreds and raised tensions days before the first elections since Hosni Mubarak's ouster.

The scenes of protesters fighting with black-clad police forces were reminiscent of the 18-day uprising that forced an end to Mubarak's rule in February. Hundreds of protesters fought back, hurling stones and setting an armored police vehicle ablaze.

The violence raised fears of new unrest surrounding the parliamentary elections that are due to begin on Nov. 28. Public anger has risen over the slow pace of reforms and apparent attempts by Egypt's ruling generals to retain power over a future civilian government.

Witnesses said the clashes began when riot police dismantled a small tent camp set up to commemorate the hundreds of protesters killed in the uprising and attacked around 200 peaceful demonstrators who had camped in the square overnight in an attempt to restart a long-term sit-in there.

"Violence breeds violence," said Sahar Abdel-Mohsen, an engineer who joined in the protest after a call went out on Twitter urging people to come to Tahrir to defend against the police attacks. "We are tired of this and we are not leaving the square."

Police fired rubber bullets, tear gas and beat protesters with batons, clearing the square at one point and pushing the fighting into surrounding side streets of downtown Cairo.

A 23-year-old protester died from a gunshot, said Health Ministry official Mohammed el-Sherbeni. At least 676 people were injured, he said.

Crowds swarmed an armored police truck, rocking it back and forth and setting it ablaze.

After nightfall, protesters swarmed back into the square in the thousands, setting tires ablaze in the street and filling the area with an acrid, black smoke screen. Police appeared to retreat to surrounding areas, leaving protesters free to retake and barricade themselves inside the square. The air was still thick with stinging tear gas.

Shortly before midnight, police pushed back toward the square, firing more tear gas and drawing a barrage of stones from the protesters holding the site.

Prime Minister Essam Sharaf urged the protesters to clear the square.

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"What is happening in Tahrir is very dangerous and threatens the course of the nation and the revolution," the Cabinet warned in a statement.

Video: Vehicle set on fire, police spray rubber bullets in Egypt (on this page)

Saturday's confrontation was one of the few since the uprising to involve police forces, which have largely stayed in the background while the military takes charge of security. There was no military presence in and around the square on Saturday.

The black-clad police were a hated symbol of Mubarak's regime.

"The people want to topple the regime," shouted enraged crowds, reviving the chant from the early days of the uprising. Crowds also screamed: "Riot police are thugs and thieves" and "Down with the Marshal," referring to Field Marshal Hussein Tantawi, Egypt's military ruler.

Some of the wounded had blood streaming down their faces and many had to be carried out of the square by fellow protesters to waiting ambulances.

Human rights activists accused police of using excessive force.

One prominent activist, Malek Mostafa, lost his right eye from a rubber bullet, said Ghada Shahbender, a member of the Egyptian Organization for Human Rights.

At least four protesters were injured in the eyes as a result of what Shahbender said were orders to target protesters' heads.

"It is a crime," she said. "They were shooting rubber bullets directly at the heads. ... I heard an officer ordering his soldiers to aim for the head."

A videojournalist for the Egyptian newspaper Al-Masry al-Youm, Ahmed Abdel-Fatah, was also hit in the eye by a rubber bullet and was undergoing surgery.

Police arrested 18 people, state TV reported, describing the protesters as rioters.

Protests were also held Saturday in the Red Sea port city of Suez, where a crowd of thousands attacked a police station, with some hurling firebombs at the building, said protester Ahmed Khafagi.

In Alexandria, hundreds of people threw stones at the main security headquarters, said protester Ahmed Abdel-Qader. He said it felt like the revolution was starting all over again.

"We only managed to bring down the head of the regime. The rest of the tree is still standing," he said.

A day earlier, tens of thousands of Islamists and young activists had massed in Tahrir Square to protest Egypt's ruling military council, which took control of the country after Mubarak's ouster and has been harshly criticized for its oversight of the bumpy transition period.

Friday's crowd, the largest in months, was mobilized by the Muslim Brotherhood and focused its anger on a document drafted by the military that spells out guiding principles for a new constitution.

Under those guidelines, the military and its budget would be shielded from civilian oversight. An early version of it also said the military would appoint 80 members of the 100-person constitutional committee ? a move that would vastly diminish the new parliament's role.

Groups across the political spectrum rejected the document, calling it an attempt by the military to perpetuate its rule past the post-Mubarak transition. Back in February, the military had promised it would return to the country to civilian rule within six months. Now, there is deep uncertainty over the timeline, and presidential elections might not be held until 2013.

Friday's demonstration dispersed peacefully, but several hundred people remained in the square overnight in an attempt to re-establish a semi-permanent presence in the square to pressure the military council.

Violence began Saturday morning, as police moved in to clear them.

The Interior Ministry, which runs the country's police forces, accused people of trying to escalate tensions ahead of the parliamentary elections, which will be held in stages that continue through March.

Activists say they just want to guard the outcome of their revolution.

Unemployed graduate student Nasser Ezzat said he traveled from southern Egypt to Tahrir because he wanted to help finish the revolution that people died for. He came to the square on Friday, leaving behind his a pregnant wife in the city of Sohag.

"I dream of a fairer Egypt for my unborn daughter, one without police harassment and corruption," he said on Saturday.

Crowds also directed their anger at the police, which were the muscle behind Mubarak's heavy handed rule.

"This violence is the same as the old regime," activist Mona Seif said. "Police are telling us they are carrying out orders to beat us until we leave."

Seif is the sister of prominent blogger and activist Alaa Abdel-Fattah, who is in jail after refusing to answer questions over his alleged role in sectarian clashes. He leads a campaign to end the trials of civilians in military courts.

Rights groups estimate that up to 12,000 people have been tried in military courts since Mubarak was ousted.

___

Associated Press writer Sarah El Deeb contributed to this report.

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/45369813/ns/world_news-mideast_n_africa/

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Pakistan bans 'obscene' words on cell phone texts (AP)

ISLAMABAD ? Texters in Pakistan better start watching their language.

Pakistan's telecommunications authority sent a letter ordering cell phone companies to block text messages containing what it perceives to be obscenities, Anjum Nida Rahman, a spokeswoman for Telenor Pakistan, said Friday.

It also sent a list of more than 1,500 English and Urdu words that were to be blocked.

The order was part of the regulator's attempt to block spam messages, said Rahman. The Pakistan Telecommunication Authority refused to comment on the initiative.

Many of the words to be blocked were sexually explicit terms or swear words, according to a copy of the list obtained by The Associated Press.

It also included relatively mild terms like fart and idiot.

The reasons for blocking some words, including Jesus Christ, headlights and tampon, were less clear, raising questions about religious freedom and practicality. Any word could conceivably be part of a spam message.

The letter, which was also obtained by the AP, was dated Nov. 14 and gave cell phone companies seven days to implement the order.

Rahman, the Telenor spokeswoman, said her company first received the letter Thursday and was discussing how to proceed.

"It's a big issue, so it is being examined carefully from all points of view," said Rahman.

The letter said the order was legal under a 1996 law preventing people from sending information through the telecommunications system that is "false, fabricated, indecent or obscene."

It also stated that free speech can be restricted "in the interest of the glory of Islam."

Under pressure from Islamists, Pakistan has blocked pornographic websites and ones deemed anti-Islamic. Last year, it temporarily banned Facebook because of material on the site deemed offensive to Islam.

Source: http://us.rd.yahoo.com/dailynews/rss/personaltech/*http%3A//news.yahoo.com/s/ap/20111118/ap_on_hi_te/as_pakistan_obscene_text_messages

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Romney plays it safe on high-stakes debates

PETERBOROUGH, N.H. (AP) ? For as long as he's been the Republican front-runner, Mitt Romney has avoided taking firm positions on high-stakes Washington spending debates.

This week's example: The former Massachusetts governor's refusal to endorse or oppose a deficit-cutting plan introduced by members of his own party, with a key deadline looming. Romney's cautiousness builds on the play-it-safe approach he has employed on issues ranging from Medicare overhauls to debt-ceiling negotiations, drawing criticism from GOP rivals and raising questions among uncommitted Republicans.

"It's a risky move to not take a position," said Michael Dennehy, a New Hampshire-based Republican operative who led Sen. John McCain's presidential bid four years ago. "When there's going to be intense scrutiny in these final seven weeks, voters are going to want to see someone who is showing their capacity to lead."

Romney's campaign says the GOP presidential hopeful has consistently articulated his economic plans.

But he has shown little willingness to inject himself into congressional debates on an issue he lists among his priorities, and which could have a profound impact on the next president's work. Instead, he has tended to focus on general economic principles such as lower taxes and less government spending, referring people to his 300-page book for a detailed version of how he would govern.

His rivals have at times adopted similarly cautious approaches. But they've sought to use Romney's reticence to take a position against him, launching in recent days a new round of criticism against the candidate.

"Now is not the time to be indecisive, it's time to exercise leadership," Michele Bachmann told The Associated Press in an email Saturday. Responding a question about Romney's strategy, she asked: "If you can't lead now, how will you lead as president?"

A congressional supercommittee has until Wednesday to produce a plan to cut deficits by at least $1.2 trillion over 10 years. Failure would trigger automatic, across-the-board cuts to the Pentagon and a wide variety of domestic programs beginning in 2013.

Republican Sen. Pat Toomey, R-Pa., recently offered a key concession ? agreeing to limits on tax breaks enjoyed by people who itemize their deductions, in exchange for lower overall tax rates for families at every income level. A growing number of Republicans in Congress have embraced a tax overhaul package that increases revenues if paired with significant spending cuts.

Romney says he's withholding final judgment because he hasn't seen the specific proposal. He's addressed the congressional debt debate only when forced to, and ignored the issue altogether at a town-hall style meeting with voters here Friday night focused on government spending.

It wasn't until the room was nearly empty that he answered a reporter's question about his reluctance to weigh in.

"I will not endorse any plan that raises revenues, raises taxes," Romney said, declining to address Toomey's proposal specifically. "What I will endorse is a plan that cuts spending and reforms our entitlements for future generations to make sure they're sustainable."

Texas Gov. Rick Perry's campaign has blasted what it called Romney's "timid" approach.

"Mitt Romney soft-pedals the important issues facing this country," Perry spokesman Mark Miner said Saturday. "Washington doesn't need someone who's timid. They need someone like Rick Perry who's going to come in with a sledgehammer and shake things up."

Romney in some cases has been willing to embrace controversial policies. But he doesn't like to be the first to stick his neck out.

This spring, he was reluctant to embrace a plan introduced by Wisconsin Rep. Paul Ryan that would essentially transform Medicare into a voucher program.

He started by applauding Ryan's "creative and bold thinking," but didn't say whether he actually endorsed the proposal. Then in early November, seven months after Ryan's plan was released, Romney released his own plan to overhaul Medicare in a way largely consistent with the congressman's original proposal.

Over the summer, Romney was equally non-committal during a debate over the nation's debt limit that nearly forced a government shutdown and threatened the government's credit rating. He stayed silent on the debt-ceiling deal during its negotiation, announcing his opposition to the final agreement just before lawmakers cast their votes.

His Republican competitors haven't forgotten.

"Whether it's the debt ceiling debate, the Ohio ballot initiatives, or military action in Libya, Mitt Romney has been either unwilling or unable to offer a clear position on issues important to voters," said Tim Miller, candidate Jon Huntsman's spokesman. "Leadership requires taking a stand on tough issues, even if it carries political risk."

Outside the Republican presidential nomination race, some politicians were more sympathetic.

"It's the inherent risk of being the front-runner: you tend to be a little more cautious in your approach on potentially controversial issues," said Kevin Smith, a Republican candidate for New Hampshire governor. "I think it's only an issue to the extent that the other candidates make it an issue."

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/89ae8247abe8493fae24405546e9a1aa/Article_2011-11-19-Romney-Playing%20it%20Safe/id-1aec75ec96a94a94bd73adfe4549261a

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West Bank land seized by Israeli kibbutz (AP)

JERUSALEM ? A tract of Palestinian land in the West Bank has for the first time been seized by a kibbutz located inside Israel, a prominent Israeli researcher said Saturday.

The land ? about 365 acres (148 hectares) from the West Bank Palestinian village of Bardaleh ? was seized by the nearby agricultural community of Kibbutz Meirav, which lies inside Israel proper, said Dror Etkes, a prominent researcher and activist against Jewish settlement in the West Bank.

For decades, Israeli authorities seized such lands for Jewish settlers inside the West Bank, but not for communities across the cease-fire lines inside Israel proper, Etkes said.

The Bardaleh lands lie on the Israeli side of a barrier that was built to keep out Palestinian attackers. But the meandering barrier ? a mix of high concrete walls and fences ? frequently juts into the West Bank. It has kept some Palestinian farmland on the Israeli side of the barrier, including some belonging to farmers in Bardaleh.

The kibbutz has been tending to the land for years, but only recently has Israel publicly acknowledged that it considers it its own.

The move has raised fears among some Palestinians and their supporters that the same fate may befall other tracts of West Bank land that lie on the Israeli side of the barrier.

"Eventually, Israeli communities on the Israeli side of the Green Line will likely take land from Palestinians in the West Bank," said Etkes, referring to cease-fire lines that held until the 1967 Mideast War. "It seems to be almost inevitable."

Israeli military spokesman Guy Inbar said the West Bank land now belonged to the kibbutz. He said the move was not meant to set a precedent, but would not elaborate further. Officials from the Kibbutz weren't immediately available for comment because of the Jewish Sabbath.

Bardaleh's Sawafta clan says it owns most of the annexed land.

Mohammed Sawafta, one of the villagers, said kibbutz residents began scaring them off from their land in the early 1980s and Israel's military later blocked access as kibbutz residents started using the area themselves.

It is unclear whether the land has been formally annexed and when Israelis began taking formal control.

Proving ownership of lands on the Israeli side of the barrier is incredibly complicated among Palestinians, who use a mix of old Ottoman documents, Jordanian registries, and unregistered but communally agreed upon land divisions.

Israeli officials have built the barrier in stops and starts. So far, some two-thirds of the 485-mile (780-kilometer) route has been built, Etkes said. If the entire route is completed without any alterations, it will seize some 10 percent of West Bank lands.

Palestinians have successfully appealed to Israel's Supreme Court to alter some routes that they say have unfairly swallowed their land.

Palestinians want the West Bank ? a territory lying between Israel proper and Jordan ? for part of their future state. Israel captured the area in the 1967 war.

Source: http://us.rd.yahoo.com/dailynews/rss/mideast/*http%3A//news.yahoo.com/s/ap/20111119/ap_on_re_mi_ea/ml_israel_palestinians

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Israel, Bulgaria sign environmental agreements

Saturday 19th November, 2011

Israel, Bulgaria sign environmental agreements ??

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?????Saturday 19th November, 2011??Source: Jerusalem Post ??

Environmental Protection Minister Gilad Erdan and Bulgarian Minister of Environment and Water Nona Karadjova met in Jerusalem Sunday to sign a joint declaration on cooperation and information exchange involving environmental issues, the ministry announced.During their meeting, the two ministers discussed topics such as waste, climate change, wa...

Breaking News Saturday 19th November, 2011

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Source: http://feeds.bignewsnetwork.com/?rid=201173385&cat=9d3b36ac41649d93

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SOPA fight over 'Internet censorship' attacts Yahoo, Google

SOPA "jeopardizes" Internet business, claim Twitter, Google, Yahoo and others. The SOPA bill amounts to "Internet censorship," some argue.

Late last month, Lamar Smith, a Republican representative from Texas, introduced a bill called SOPA (the Stop Online Piracy act), which was intended to crack down on intellectual property theft, and put up barriers against what Smith termed "rogue" sites.

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"[T]he problem of rogue Web sites is real, immediate and widespread. It harms all sectors of the economy," Smith said, according to the Washington Post.?

(For what it's wroth, the SOPA bill in the House has a similar counterpart in the Senate called the PROTECT IP Act.)

RELATED: Top 9 ways Internet access can save you money

Over at Information Week, Paul McDougall offers up a run-down of five key provisions of the bill, which include the blocking of sites that provide copyrighted content ? the Pirate Bay, for instance ? and the targeting of websites that attempt to sell?pharmaceuticals?to individuals without prescriptions. McDougall quotes?Pfizer security officer John Clark, who says "pharmaceutical counterfeiting is first and foremost an issue of patient health and safety."

The Post has reported that SOPA seems to have significant support, among both lawmakers, and Hollywood studios and pharmaceutical companies, who "argued during the hearing that they are losing an estimated $135?billion a year in pirated material." But SOPA has met with vociferous opposition from Web companies, who have called the bill "a full-on assault against lawful U.S. Internet companies."?

Earlier this week, nine tech titans, including Twitter, Yahoo, and Google, signed an open letter to congress, voicing opposition to SOPA. "[T]he?bills as drafted would expose law-abiding U.S. Internet and technology companies to new uncertain liabilities,?private rights of action, and technology mandates that would require monitoring of web sites," the letter reads.

"We are concerned that these measures pose a serious risk to our industry?s continue track record of innovation and job-creation, as well as to our nation?s cyber security," the nine companies add. According to the Daily News, Google chairman Eric Schmidt, speaking at an event at MIT, called the proposed SOPA provisions "draconian."?

For more tech news, sign up for the?BizTech newsletter, which ships via e-mail each Wednesday.

RELATED: Top 9 ways Internet access can save you money

Source: http://rss.csmonitor.com/~r/feeds/csm/~3/4N3kRIV9dho/SOPA-fight-over-Internet-censorship-attacts-Yahoo-Google

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