Tuesday, July 31, 2012

Making personal finance cool to kids | FamilyNews.com

The Family News Take ? This article highlights a crucial element of education and personal development that is regularly overlooked in the home and in the classroom: the wise use of money.

Money rules the world.? Everyone needs it to survive.? Often, however, those with the most money aren?t the best off.? In a world of multi-million dollar sports contracts, it?s almost unbelievable to realize how many of these athletes go broke because they don?t adhere to basic principles of sound financial management.

Whether or not you or your child is one of those multi-millionaire professional athletes is irrelevant.? Whether or not you and your child learn to use your money to your own advantage is extremely important.

Via Time Moneyland, by Victor Luckerson ? At Henderson Elementary School in Chicago, children regularly learn about money. Not just in mathematical word problems, but in practical ways too. They make short-term and long-term savings goals, for an XBox next year or a college education next decade. They participate in National Lemonade Day, setting up stands to get a taste of the most classic form of child entrepreneurship. They?re given piggy banks that aren?t just for saving and spending, but also for donating and investing. Money?how to use it, how to save it, how to protect yourself from it?is seeping into their core curriculum.

?Every kid likes money,? says Audrey Miles, Henderson?s librarian who teaches financial education to 2nd and 3rd graders. ?Rather than squandering it, it?s about planning and how to understand financial security.?

The current generation of children will contend with many monetary issues that their parents and grandparents did not have to face, from sky-high college costs early in adulthood to bankrolling their own retirement later on. Financial education, which first gained traction in the days of overextended credit cards in the 1990s, has garnered new attention in the post-recession world. Now schools, non-profits and financial institutions are partnering to find ways to make personal finance cool to kids, all the way from kindergarten to senior year of high school.

Continue reading Making Personal Finance Cool to Kids on Time Moneyland

Source: http://familynews.com/making-personal-finance-cool-to-kids/?utm_source=rss&utm_medium=rss&utm_campaign=making-personal-finance-cool-to-kids

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Is Antonio Villaraigosa poised to be America?s first Latino president?

Los Angeles Mayor Antonio Villaraigosa walks on Capitol Hill in Washington, Wednesday, March 7, 2012. (J. Scott??

LOS ANGELES ? When Los Angeles Mayor Antonio Villaraigosa gavels the 2012 Democratic National Convention into session in Charlotte this September, his role as prominent cheerleader for President Obama will be clear.

It is less clear, for now, if Villaraigosa has designs on the ultimate convention role in 2016--taking center stage to accept his party's nomination on the final night.

Despite running the country's second largest city and coming from the fastest growing voting demographic in America, the mayor himself is quick to wave off talk of a presidential run.

"The answer is no," Villaraigosa replied when asked by Yahoo News if he wanted to be president one day. "I want to finish this job with a bang. I want to go out with my head up high. I want to say to this city, 'I put everything into this job,'" he added.

"The job I've said to people I would like is I would like to be governor of the state of California," he said. (Paging Jerry Brown.)

It's easy to dismiss Villaraigosa's likelihood of capturing the Democratic Party's presidential nomination, much less the presidency, due to his rocky (and public) personal life, lack of a developed national fundraising base, and occasional conflicts with portions of his political base.

But recall that Bill Clinton made it to the Oval Office with the personal baggage of infidelity and Barack Obama became the first non-white candidate to achieve the highest office in the land--you can begin to see how Villaraigosa's interest in a 2016 run may yet still develop.

Villaraigosa's term as mayor of Los Angeles is up July 1, 2013. He says he will spend his remaining time in office bolstering his accomplishments in crime reduction (a 40.6 percent drop in violent crime, 41 percent drop in homicides), the environment (doubled the Kyoto protocol required reductions in greenhouse gas emissions bringing them down to 14 percent of 1990 levels in seven years), education (reduced schools defined as "failing" according to state scores from 33 percent to 10 percent), and transportation (more on that later). Charlotte provides an opportunity to start road testing his brand beyond Los Angeles' city limits.

"I think I'm going to take a time out. I'll probably associate with a think tank or a university. I want to write. I want to read. I'll probably speak around the country. I certainly get enough invitations," he said of his immediate post-mayoral plans.

Villaraigosa recently wrapped up a one-year tenure as the head of the U.S. Conference of Mayors where he wrangled more than 200 mayors to support his successful push for "America Fast Forward," a federal loan program for transportation infrastructure projects that will allow cities to leverage federal dollars over an extended period of time. President Obama signed the expanded program into law as part of the larger transportation bill earlier this month at the White House with Villaraigosa by his side.

Now the mayor's travel is mostly on behalf of the Obama campaign for which he has done no fewer than 20 either official or campaign related events over the last year at various state party gatherings, fundraisers, constituency group conferences, and official policy events. The potential benefits of circling the country to meet party activists and elected officials in key states including Florida, Nevada, and New Mexico is lost on no one.

The president's reelection team believes Villaraigosa has been one of its most helpful surrogates on the trail this year in wooing Hispanic voters to come out in greater numbers and delivering an even greater margin of victory for the president among those voters.

He won't be the only Hispanic elected official in the Charlotte spotlight. The Obama convention team announced this morning that 37-year-old San Antonio Mayor Julian Castro will deliver the keynote speech on Tuesday, Sept. 4.

Nearly 22 million Hispanic Americans are expected to be eligible to vote in the presidential election this year. If the rapid population growth rate among Latinos continues apace, that number will be even greater in 2016.

Villaraigosa is no stranger to political ambition?and its attendant disappointments. He describes his first, unsuccessful attempt at capturing City Hall in 2001 as "audacious." Certainly, a presidential run would be no less so.? Fast changing demographics may be his entree into the 2016 conversation, but he is well aware they cannot be the rationale for a candidacy.

"When I ran in 2001, everyone said, 'Antonio, you are going to be mayor one day, why run now?'" Advisors told him the Latino slice of the electorate would not be large enough to deliver him a victory until 2017.

"I said, 'What?' and I just went after everybody. The Latinos said I wasn't Latino enough and not running a Latino campaign," he said. He doesn't see the Latino vote as a monolithic bloc, but he's also never been the only Latino in a race. "Every race I've had, I've always had Latinos in the race. It's interesting."

As with most politicians from outside Washington, D.C. eager to play up centrist credentials, Villaraigosa tends to portray himself as a problem solver.

"I want to be part of a discussion about what I call the radical middle that says the way for us to forge ahead is to move ahead and you can only do that by taking the best of both views and forge a consensus based on results and putting the nation first," he said.

One example is his stance on the deficit and debt reduction plan put forth by the bi-partisan Simpson-Bowles Commission. Democratic party leaders, including President Obama, never fully embraced the commission's 2010 plan, for fear of alienating key constituents over entitlement reforms. Were Villaraigosa in Congress with a chance to vote on Simpson-Bowles, he would support it. "Absolutely," he said, without hesitation. (Paging Nancy Pelosi.)

He also casts a critical eye toward teachers unions.

"I think there are teachers unions around the country realizing they want to improve standards of the profession, improve the quality of their profession, and ultimately attract the best and the brightest to their profession. The vast majority of teachers are dedicated and committed, but I do believe some of our teachers' unions, while not the biggest problem, are the most powerful defenders of a broken system." (Paging Randi Weingarten.)

To be sure, this former Southern California ACLU president who has fought against the death penalty and for same sex marriage equality since 1994 will have plenty of data points to share with potential liberal Democratic supporters in Iowa and New Hampshire should he choose to take the plunge.

And he saves his strongest criticism for the Republicans, specifically on immigration.

"For some time I've said this issue of comprehensive immigration reform is not just an issue about immigration or human rights or civil rights, it's about our economy.? You take 11 million people from out of the dark and into the light, the think tanks have surmised that you are talking about trillions of dollars infusion into the economy," he said before launching the political attack.

"The far rightward tilt of the Republican Party has marginalized them with Latinos, with women, with African Americans in a way that if they don't change, if they don't move to the center, it will make them the Whig Party of the next millennium," Villaraigosa said.

The mayor has time to sort out his plans for future elected office, be it in Sacramento or Washington. But that thinking about that future has already begun.

"I'm not sure the way I've taken on the left and the right is going to endear me in a primary, but I'll be 60 in January. I've been doing this for a while. I don't want to do this if we're not going to be bold and transformative. I just don't want to do it. I'm really comfortable in my skin right now," he said.

Source: http://news.yahoo.com/blogs/ticket/antonio-villaraigosa-poised-america-first-latino-president-142427177.html

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Death at SW Washington campsite was homicide

by Associated Press

KING5.com

Posted on July 30, 2012 at 2:13 AM

KELSO, Wash.? -- A coroner says a man found dead at a campsite near Kelso, Wash., died after sustaining multiple stab wounds.

The Cowlitz County Sheriff's Office said Sunday that the man was identified as 29-year-old Nicholaus Fickett of Kelso, and his death has been ruled a homicide.? Authorities say they believe he died Thursday evening.

Deputies responding to a request for a welfare check found Fickett's body Friday at the campsite on the east bank of the Cowlitz River in the Cowlitz Gardens area of North Kelso.

About 20 volunteer searchers and four divers from Cowlitz Dive Rescue searched the river on Saturday.

The sheriff's office says it won't release more information while authorities continue investigating.
?

Source: http://www.king5.com/news/crime/campsite-homicide-kelso-164235996.html

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Monday, July 30, 2012

BRIEF: South Korean President Apologizes for Corruption Scandals - RedGage

(Source: Dirk Godder dpa, Hamburg, Germany (MCT) ? President Lee Myung Bak apologized to South Koreans Tuesday for the involvement of his elder brother and former aides in corruption cases.

?Fellow Koreans, disgraceful incidents have recently happened to my family and people surrounding me and caused so much anxiety,? he said.

?I bow my head and extend my apology for causing anxiety to the people due to these incidents,? said Lee, who is in the final year of his presidency.

He said he would ?take full responsibility? for the scandals but added he would continue to carry out his duties as president.

His brother Lee Sang Deuk, an influential former legislator seen as the president?s mentor, is being detained on corruption charges. Prosecutors alleged that he received 600 million won (524,000 dollars) from two troubled savings banks to help them avoid regular audits.

His detention this month was the latest in a string of corruption scandals involving people close to the president.

They have damaged Lee Myung Bak?s reputation as he prepares to leave office in February. Presidents can only serve one five-year term. dpa dg lns tlo Author: Dirk Godder.

Source: http://www.dropjack.com/Business/brief-south-korean-president-apologizes-for-corruption-scandals---redgage-1/

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Bipolar Disorder and Substance Abuse ? The Ranch | Drug Rehab ...

Bipolar disorder, a serious psychiatric condition sometimes referred to as "Manic Depression", is aptly named due to the "bipolar opposite" of the extreme moods. Most individuals with bipolar disorder experience mood swings that range from extreme manic highs to severely depressed lows. The disorder can be diagnosed after just one manic episode and no depressive episodes, although most have both.

Many people with bipolar disorder can be quite successfully treated with a combination medication and psychotherapy. However, due to the challenging nature of this disorder it is not uncommon for bipolar individuals to attempt to alleviate symptoms by self-medicating. They may self-medicate either in place of or in spite of traditional treatment.
The frequency with which individuals who have bipolar disorder also suffer from substance abuse is very high. In fact, it leaves little doubt that there is a link between the two although it is not yet known which condition leads to the other. It is estimated that approximately 60% of all individuals with bipolar disorder also abuse substances.[1] When both conditions are seen in an individual it can lead to three different types of complications. These include:

  • Problems in diagnosing the bipolar disorder
  • The substance mimics the symptoms of bipolar disorder (e.g. severe mood swings) leading to a misdiagnosis
  • The substance has adverse effects on the treatment for the bipolar disorder

Causes of Substance Abuse Disorders in Bipolar Individuals

It?s not surprise that individuals with bipolar disorder often feel the need to self-medicate their symptoms. It?s often the only way they can function more normally. Additionally, some of the symptoms of this troubling disorder also increase the potential for self-medicating. These include the poor judgment and impulsive behavior that are characteristic during a hypomanic or manic phase. Also, during a manic episode they tend to engage in highly pleasurable activities that may include indulging in drug and alcohol abuse for recreation.

In some cases, individuals who end up developing bipolar disorder have a substance use disorder prior to the first appearance of their bipolar symptoms. The potential for the bipolar disorder may already exist, but it doesn?t manifest until after the substance abuse has already been occurring. Unfortunately, any time both disorders are present, the symptoms of bipolar disorder will worsen and treatment becomes less effective ? if it is sought at all.
As mentioned previously, some individuals with bipolar disorder experience only episodes of mania and not those of depression. These individuals, as well as men who have the disorder, have a greater risk substance abuse and alcoholism than other bipolar individuals.[1]

Complications in Diagnosis

When bipolar disorder manifests in an individual, they may start to feel periods of depression that alternate with periods of mania. They often have difficulty functioning during the depressed episodes because of their lack of energy, sleep problems, and feelings of apathy ? all symptoms typical of depression. It?s not uncommon for someone in this phase to seek stimulant drugs that will give them more energy. Cocaine and amphetamines are frequently used to improve energy levels and help them feel more alert. The goal is often to help them remain functional enough to perform at their job and manage other responsibilities.

Although alcohol is a depressant, bipolar individuals may use it along with other depressants, such as pain pills, because of their feelings of depression. These drugs can temporarily give them relief from the pain, anxiety, and insomnia that are often present during this phase of the disorder. Anything that numbs or reduces the depressive symptoms is welcome.

When the bipolar individual is already using these substances to self-medicate before a substance disorder diagnosis is made, the effects of the alcohol or drugs may be incorrectly attributed to the bipolar disorder. Any substance that changes the behavior or mood of the individual can produce symptoms that are similar to those of bipolar disorder. Depending on the presentation and accuracy of the history provided, the patient?s physician may not realize that an underlying substance disorder is the primary cause.

Most drugs are either stimulants or depressants. In other words, they either cause the individual to experience calmer moods or increase their energy levels and make them feel happier. An evaluation of the patient may result in a diagnosis of substance abuse and/or alcoholism without any considering the possibility that of a substance disorder. A thorough history and a drug screening will help ensure a more accurate diagnosis.

A significant percentage of people who have undiagnosed bipolar disorder and self-medicate with drugs or alcohol end up without an accurate diagnosis. As a result, they don?t receive the treatment they need. This is the reason that many people finally end up getting an accurate diagnosis once they become clean and sober. The bipolar symptoms finally become evident. However, without treatment they will often end up relapsing as they resort to self-medicating once again.

Treatment Issues

When individuals with bipolar disorder use alcohol or drugs while taking medication for their disorder, the effects of the substances can interfere with the medication?s effectiveness. The main medications used for bipolar disorder are mood stabilizers, such as Depakote or Lithium. Antipsychotic medications like Zyprexa may also be used to help reduce symptoms. These medication help stabilize the brain chemicals. This helps prevent the occurrence of mania .

However, this delicate balance of the chemicals in the brain can be disrupted by alcohol and drugs, causing a manic or depressive episode even though the person is on medication. It is important to keep in mind that treatment for bipolar disorder is primarily a way to manage the symptoms. It often fails to treat the condition itself. Drugs and alcohol can worsen symptoms and make the condition more of a problem instead of alleviating it.

The Argument for Dual Diagnosis

Since there is such an obvious link between psychiatric disorders, like bipolar disorder, and substance abuse, there are many facilities today that offer dual diagnosis treatment. Dual diagnosis is for individuals who have a substance disorder as well as a psychiatric disorder. Experts have recognized that in order for treatment to be effective, both disorders need to be addressed.

Dual diagnosis programs will look at all the symptoms of the individual, along with their medical and family history. This helps them determine if there is a single cause of their symptoms or if they have both a mental disorder, such as bipolar disorder, and a substance abuse problem as well.

In order for these individuals to have a healthy, normal life, they must be treated for both conditions individually. A dual diagnosis center will give them the treatment options they need while also giving them the advantage of receiving all forms of treatment in the same setting. Diagnosis is an important first step in recognizing the real problem and creating an appropriate treatment plan.

Source:
[1]University of Maryland Medical Center, "Bipolar disorder ? Complications"

http://www.umm.edu/patiented/articles/how_serious_bipolar_disorder_000066_4.htm

Tags: co-occuring disorders

Source: http://www.recoveryranch.com/articles/dual-diagnosis/bipolar-disorder-substance-abuse/

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21-Year-Old Five-Time Cancer Survivor: 'I Don't Always Have ...

While the Reddit IAMA forum has lost some of its sheen with the influx of promotional personalities, there still are the personal stories of triumph and perseverance of human spirit like that of the 21-year-old cancer survivor who has lived through five bouts of cancer.

User 5timecancerpatient took to Reddit to share her experiences and reach out to people who have overcome similar situations.


(Credit/Imgur:5timecancerpatient)

Surviving cancer once, twice, maybe three times may be rare, but five times is practically unheard of, especially at such a young age. According to a recent report by the American Cancer Society and the National Cancer Institute, only 5 percent of cancer survivors are 40-years-old or younger, while 50 percent are 70-yearls-old or older.

The 21-year-old who lives outside Los Angeles has suffered through three different types of cancer starting with brain cancer when she was 2-years-old. Fortunately, 5timecancerpatient, who did not release her real name, was diagnosed early after her mother noticed concerning symptoms.

"Any time I tried walking, I would fall flat on my face, I would pass out or have seizures randomly, and I was having trouble speaking," 5timecancerpatient wrote.

After her first bout of brain cancer, she developed skin cancer, which she described as "no big deal at all," followed by esophageal cancer -- "the worst, hands down," she wrote.

When I had that I had to drop out of swimming and got major major surgery which means I can't throw up or burp now and I was in the hospital for six months and on a liquid diet for a year. I had to re-learn how to walk and how to talk and the muscles inside me were just ripped up and ruined. I used to sing opera, and my voice totally changed so I don't sing anymore. I think of anything I've lost due to cancer, that was the biggest blow.

And if she wasn't the unluckiest person in the world already after surviving three different types of cancer, she relapsed and brain cancer overtook her again, stemming from the original tumor that was not completely removed. A month later, she found out she had skin cancer, again.

The lack of downtime between her second round of brain and skin cancer may have been the most difficult to muster. With medical bills piling up -- they now stand at a whopping $20,000 -- she was forced to move back in with her parents and take on three jobs.

But this story does have happy ending.

"As of THIS WEEK I am cancer free," she wrote on Reddit. "I had surgery on Thursday and once my stitches are out, hopefully the only thing that will remain is a scar. It feels unbelievable that I've done this. Sometimes I look back and just wonder how it happened."

Not only is she pursuing her teaching credentials in college, but 5timecancerpatient is also staying physically active by training for a marathon.

Through her horrible health luck -- genetics are partially to blame -- she has a positive outlook on the future.

"I don't always have cancer," 5timecancerpatient wrote, "but when I do, I roundhouse kick it in the face."

Click over to Reddit to read more about 5timecancerpatient's experience and check out the gallery below to click through more uplifting survivor stories.

Also on HuffPost:

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Source: http://www.huffingtonpost.com/2012/07/30/five-time-cancer-survivor-roundhouse-kick-cancer-in-face_n_1719286.html

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Sunday, July 29, 2012

RI accountants - RI small business

David Lucier, is a Rhode Island CPA who specializes in Rhode Island small business, gives some advice about determining your level of risk tolerance for small business success.

Doing a self-evaluation is a critical step in deciding if you should start a business.?

Determining Factor #2:? Risk Tolerance

Owning and operating your own business can have the appearance of either being a stable long-term opportunity or an extremely risky endeavor.? Risk tolerance, which is the measure of uncertainty a person is willing to accept in respect to the perceived benefits, is why there is such a wide range of perceived risk in owning a business.? The realization of owning your own business does have risks, and those risks can be mitigated by making good decisions and by being prepared.

Many studies indicate that entrepreneurs have a low-tolerance for risk, which can appear contradictory to most people?s perceptions.? This appears to be so counterintuitive because most entrepreneurs also tend to be overconfident in their ability to be successful.? This overconfidence give the entrepreneur the ability to adapt and commit to tasks that most people would consider crazy, like working eighty hour weeks for weeks on end without any form of compensation.? So, if you are risk averse, owning your own business might become very stressful and unmanageable unless you also possess a great deal of confidence in the success of your endeavor.

Your personality and risk can be assessed many different ways to provide a self-evaluation.? The assessments generally consist of a series of questions and can be done by using a reputable online source or ordering a package that allows you to take and score the test.? One of the most detailed is the DiSC Assessment, which can be reviewed and purchased online from a number of sources like www.diSCPersonalityTest.com.? Another good tool to consider is a career assessment test.? These also can be researched and accessed online.? One to consider is the Myers-Briggs test, which is a career, personality and leadership test.? The last area of test you can consider is a hiring test for yourself.? These will also provide good information on your personality and goals and help direct you to your areas of strengths and weaknesses in business.

No doubt entrepreneurship is not for everyone.? Be sure to do a self-evaluation so that you can assess what you are willing to risk to make your business successful.

David J. Lucier CPA is an entrepreneur, real estate investor, RI Accountant and business advisor. He has worked with hundreds of start-up and emerging companies over the past 30 years. His management advice encompasses strategy, marketing, sales, finance and operations. He has served as a board member on numerous non-profit organizations and has received various awards including the prestigious U.S. Small Business Administration ?Accountant Advocate of the Year ?.

Lucier CPA, Inc. ?1308 Atwood Avenue?Johnston RI 02919?United States (401) 946-1900

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Source: http://www.rismallbusinessrecovery.com/archives/self-evaluation-for-small-business-success-2

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Poop Strong: Cancer patient whose costs exceeded insurance cap ...

Arijit, 31, is graduate student in Arizona who was diagnosed about a year and a half ago with stage IV colon cancer. He endured multiple surgeries, and grueling rounds of chemotherapy. Then, in February, 2012, the cost of his treatment exceeded the lifetime limit on his graduate student health plan, which is managed by Aetna.

His coverage was terminated. His cancer was not.

He launched what we cancer patients sometimes refer to as an internet lemonade stand: a site called Poop Strong (a light-hearted parody of "Livestrong"). At poopstrong.org, he invited well-wishers to make a donation or buy schwag, with all proceeds going to his healthcare.

But, big news today, as his pal Kirk Caron tells Boing Boing,

In the six months between when he was dropped and when he'll be picked up by another student health plan, he's been looking at well over $100K in medical bills for his treatments. In addition to updates about his own condition and the state of Poop Strong, Arijit's been tweeting (naturally) about the state of health insurance, and recently, Aetna got involved. The conversation (as Twitter convos tend to do) sort of spirals out from the main thread between Arijit and Aetna.

That's an understatement! Arijit ended up debating directly with the CEO of Aetna, Mark T. Bertolini. The tl;dr: Aetna, and Mr. Bertolini, agreed in the end to cover the full extent of bills that accrued since Arijit was dropped from insurance (about $118,000).

"The system is broken," said Bertolini. "I really am trying to fix it."

Arijit is redirecting all of the donations he received the University of Arizona Cancer Center Patient Assistance Fund and The Wellness Community (Arizona), to directly assist other people with cancer who cannot pay for the life-saving medical treatments they need.

I spoke with Arijit today, and will be publishing a transcript/audio of our conversation soon. He's a really cool guy, and he has some insights from this experience that I think everyone should hear. It looks like Arijit is covered, for now, but the system is still broken. The debate over health care costs has become a political football?but for people like me and Arijit and everyone else in America who isn't in the 1%, health care costs are literally a matter of life and death. No one should suffer or die because they can't afford medical treatment. It really is that simple.

Arijit's friend Jen Wang created a Storify of the twitter exchange between Arijit, Aetna's PR reps, and Aetna's CEO. You can read this below.

(Images courtesy Poop Strong / Arijit)

Where not otherwise specified, this work is licensed under a Creative Commons License permitting non-commercial sharing with attribution. Boing Boing is a trademark of Happy Mutants LLC in the United States and other countries.

Source: http://boingboing.net/2012/07/28/poop-strong-young-cancer-pati.html

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The Abomination-Virus

The Abomination-Virus

When a a mysterious virus strikes into the world by just a simple cough and sneeze,but later turns people into flesh eating monsters what would you do?

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This topic is an Out Of Character part of the roleplay, ?The Abomination-Virus?. Anything posted here will also show up there.

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This is the auto-generated OOC topic for the roleplay "The Abomination-Virus"

You may edit this first post as you see fit.

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Saturday, July 28, 2012

The pros and cons of a solar LEASE. Benefits and drawbacks here.

These days solar companies are falling over themselves to make solar accessible to every homeowner.? But do the finance schemes being offered benefit you, or do they favor the Wall Street greed?

Homeowners in the United States are curious about the differences between leasing a home solar system and buying one out right. There are advantages and disadvantages to either method.? One thing for sure; the stock market loves it when you take on a solar lease, just as much as when you lease a car, or any other large piece of equipment.? No surprise here, as this has always been the case with any leasing instrument.? But before you go straight to skepticism over a lease, let?s take a look at some of the pros and cons of leasing verses outright purchase of solar.

First of all, how does solar panel leasing work?

When homeowners lease solar systems, they actually buy electricity from a company who owns the solar panels installed on their roof.? The price a lessee pays may be significantly lower or the same to what the utility company would charge for electricity.? These are called escalation and de-escalation clauses. Some companies like Sungevity and SunRun are third-party financers, and they don?t actually install the solar system. Instead, they contract with local solar integration companies to have the panels installed onto the roof. Others are companies like SolarCity, who actually handle both the financing and installation. Solar leasing terms vary considerably, and they usually allow homeowners to start their solar leasing program with no money down. Leasing contracts are available in increments of twenty, fifteen or ten year contracts, where homeowner?s are given the option to buy the system, if not, fully own the system outright at the end of the lease.

In which states can homeowners find solar leasing programs?

Solar leasing contracts can be found in 13 states: Arizona, California, Colorado, Connecticut, Delaware, Hawaii, Maryland, Massachusetts, New Jersey, New York, Pennsylvania, Oregon and Texas. It?s also available in Washington D.C. However, homeowners need to know that solar leasing is only available in locations in these areas that offer measurable state, local or utility rebates.

Which firms offer contracts?

SunRun, Sungevity and SolarCity are the major solar leasing partners in the United States. Sungevity and SunRun offer leasing, but they contract out to local installers. SolarCity does installation in house.

Four Reasons to Consider a Solar Lease:

Leasing doesn?t come with the same upfront costs that buying does. Most homeowners who consider solar installation are worried about the up front costs. Although terms vary based on one?s credit rating, local or state incentives and the solar capacity of one?s home, solar leasing usually allows people to go solar without putting any money down. This is one way for consumers to access solar energy who otherwise wouldn?t be able to put down the investment capital. And since fewer American homeowners have equity now than in the past, home equity loans that were once easy to obtain aren?t always available to finance solar installations.

Leasing doesn?t come with maintenance costs. When something malfunctions, lessees tied into a lease aren?t responsible. Repairs, maintenance and replacement are the responsibility of the solar leasing company.? For example, if a panel underperforms on delivering adequate power supply, or an inverter fails, or comes up for end of life replacement after ten years; it?s the solar lessor who promises and pays under warranty. Considering this costs a few thousand dollars, leasing can provide the financial peace of mind free from maintenance and uncertainty.

Leasing may cost less for energy verses the utility company. Some leases allow consumers to lock in static pricing on electricity rates for a decade or longer. ?

Leasing allows you some choice in how you design your lease terms.? Some leasing products allow you to choose how much money you want to put down toward the lease, as well as the escalation rate.

Five Reasons to Opt for Outright Purchase of Solar:

Buying can be a better economic bet. Solar leasing companies are in business to turn a profit from the leases they sell. They pocket the rebates and incentives, and use escalation and de-escalation options in order to better hone the leasing instrument into a financially rewarding investment for themselves.? The longer the lease agreement, the more they profit, and the less economic sense it may make for the consumer.? Solar leases aren?t a poorly crafted or unscrupulous device by themselves and if used correctly. The key to staying ahead of the potentially negative consequence of a solar lease is to assess your situation with a level financial analysis.? For the cost of a $250 feasibility study, you can hire an energy consultant-solar broker to help you compare the pros and the cons relative to your unique situation. Have them perform the lease verses purchase test, and then decide.

Buying panels provides flexibility. Lease contracts might specify a certain installation size, but when owners purchase their own system, they aren?t bound by details of equipment or power production.

It might be easier to sell your home without a lease. According to some real estate professionals, solar leases may present a potential slowdown or a threat to the sale of a home.? Some homebuyers may not want to deal with taking over an existing lease.? They may have other ideas for how they want to shop for solar, or they may not have the credit to qualify to take over a solar lease.?? Alternatively, most would be homeowners who cannot qualify for a solar lease, most certainly will not qualify for a home loan.? So, there is some discrepancy on this opinion verses common high credit score correlation to home loans and credit scores.

A solar purchase may add value to a preexisting home. Homeowners who are going to move in the next few years probably shouldn?t consider buying or leasing a solar panel installation. However, if consumers sell their home after they?ve benefited from the installation after several years, the money that they?ve invested may allow them to raise the asking price and compete more effectively against those home sellers who do not have a solar installation.?

Some solar leases will not let you pay down or pay off your system early. With more leasing options becoming available, you will be wise to check out the terms and conditions.? Some have reportedly 20 year contracts, while others let you pre pay or pay off the system in 7 years. ?

To buy or not to buy, this begs the question.? There are some contradictions between owning verses leasing.? In the end it comes down to what each individual consumer deems valuable to himself, both financial and intrinsic.

Some consumers want to emancipate from the grid for environmental reasons, no matter the cost, and within reason.? Others have skyrocketing electricity bills with no end in sight, where a lease may be the only access point short of outright purchase, to which funds may not be readily available.?

?

Article written by Jennifer Coleman of Sun Source Solar Energy Brokers, providing solar brokering and solar energy consulting services in Santa Rosa, Marin, Sonoma, Napa, Solano and San Francisco Counties.? For more information, please visit www.SunSourceSolarBroker.com.

Source: http://sunsourcesolarbrokers.com/the-pros-and-cons-of-a-solar-lease-benefits-and-drawbacks-here/

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McComb embraces public-private partnerships for development

Leaders in the City of McComb took a significant step forward with the goal of growing their economy and tax base by taking swift action ratifying the Tax Increment Financing Redevelopment Plan (TIF) as a tool for development and redevelopment in their city. Mayor Whitney Rawlings and the Board of Selectmen voted this week to approve the use of TIF throughout the city. The move follows a June 12 meeting of city stakeholders, which examined land use options for the city?s three interchanges on Interstate 55.

Mayor Rawlings says, ?Our Board recognizes the financial benefits that will come to the City of McComb from partnering with developers on developments inside the city. My Board gets it. The City of McComb is open for business.? The City of McComb has already experienced a rapid growth in tax base from the recently enacted hotel-motel tax as well as their sale tax diversions. In part, the uptick in revenues comes as a result of the increased attention the entire Southwest Mississippi region is experiencing from the Tuscaloosa Marine Shale oil and natural gas exploration and extraction. Hotels and restaurants in the City of McComb are experiencing increased patronage which bodes well for further development opportunities in the city.

The city has other sites along I-55 corridor and in the downtown area suitable for new hotels including extended-stay products, boutique inns and bed & breakfast products. The city?s support of the tax increment financing option for both redevelopment and currently undeveloped sites will allow private sector developers to recoup their investments in the infrastructure supporting the new properties.

McComb?s hotel-motel tax is dedicated to support the rapidly growing parks and recreation system including the McComb Sports Park. ?The allocation of the Hotel/Motel Tax revenue to the McComb Sports Park is having a positive impact on the Recreation Department and the City of McComb. The funds generated thus far have already been utilized to construct a third ball field, which has been in use quite literally from the moment of its completion,? says McComb Recreation Director Joseph Parker.

The June 12 stakeholder group also explored options to enhance sales tax revenue from new retail and restaurants. According to McComb Developer, Craig Haskins, ?Tax Increment Financing, TIF, can be a viable financing alternative to help create new retail development.?

The City of McComb has embarked in a year-long process focused on better capitalizing on all its community and economic development assets. This process is being led by consultant, Rick Duke. ?The city has an opportunity to address some of the challenges of its past and make giant strides toward laying a foundation for a remarkable future,? says Mr. Duke. Stakeholder sessions will continue on a monthly schedule with the July 31st event focused on transportation. The Board of Mayor and Selectmen welcome broad input on opportunities.

?

McComb, Mississippi, Mississippi Business Journal, Whitney Rawlings

Source: http://msbusiness.com/businessblog/2012/07/27/mccomb-embraces-public-private-partnerships-for-development/

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Business Marketing and advertising Consultants Assist An Important ...

Business marketing specialists are authorities in marketing and advertising and product trends. They could come in along with help the struggling company return to profits, or they are able to simply assist a business acquire its marketing plan to the next level.

Business marketing is simply the promotion of your product with a specific audience. Over time, you can observe trends produce in advertising tactics. So it?s helpful to have someone to handle the energetic field of economic marketing so you don?t have to maintain changing styles on your own. Since you may have seen yourself, one marketing plan may possibly work wonderful while an additional falls level. If you cannot determine the reason, you?ll want to turn to a small business marketing specialist.

Sometimes, business advertising consultants think of yourself as saving your business. They are trained to be attracted to details which entail difference in the marketing and advertising trends. Since known professionals in this area, they retain and/or win clients. They should contain the most up to date techniques in this area. Additionally, these professionals can bring your business to a higher level because they may control the actual flow of the market. With all the strategies that they can know, they could easily flip the cash help switch things close to for you. Really, with the coming of technology as well as further growth, business advertising and marketing consultants tend to be in demand than previously.

Because of the utilization of these consultants, they right now embody a greater role on earth of business. Consequently, their charges have gone up as well. Some companies might not be able to find the money for their program. You may be capable of paying for just one project, but that is not necessarily enough for you to evoke main change for your business. Thus, some companies should most likely consider hiring a freelance advisor or get a more affordable specialist available through an agency. It?s also possible to find someone who?s still throughout training that you could employ once they are ready to represent service.

Thinking regarding the future of the company is important. Get the job done first one fourth gave you a good consequence, it does not imply the next fraction will. You must look at the long-term outcomes you want on your business. To organize better for the future and obtain an even more accurate predict of what the arrival quarters will bring, you should consider looking at the experts, company marketing consultants.

Related posts:

  1. How to Make Money Online: A Virtual Asst Business Plan Is very important to Your Success
  2. Facebook Fan Page Marketing and advertising ? A few Important Things You must learn
  3. Role regarding Website Keywords and phrases Analysis and the way to Go For It
  4. QR Codes Can assist Your Offline Business Promotions
  5. How Cell Marketing Can assist you Grow Your Company: Taking Advantage of Cellular Technology

Source: http://intopx.com/business-marketing-and-advertising-consultants-assist-an-important-role/

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Friday, July 27, 2012

Video: Facebook Down 10% After Hours

Sorry, Readability was unable to parse this page for content.

Source: http://video.msnbc.msn.com/cnbc/48345431/

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Innovative SEO Services By USA Search Engine Optimization Firms ...

seo

These comprehensive solutions play a crucial role in making your website successful. Professional SEO service providers employ experts in the various fields such as SEO copywriters, web designers, social media experts, graphic designers, bloggers, language experts, topic experts (relating to the topic your website deals with) and other professionals. They carry out SEO activities as well as web design to ensure your site performs better.

Welcome to one of the fastest growing companies within the san diego website design industry; Spider Infomedia?s SEO chennai. We are a full service SEO outsourcing india solution based in chennai and San Diego with resources to accommodate offshore IT and SEO outsourcing needs.Our location in chennai, india allows us to maximize the creativity and intelligence of the local workforce, bringing compatibility and english excellence to your project. We can help our clients to begin in small and ramp up quickly through delivering quick results. Being a business firm, we perfectly understand the requirements of business professionals and hence our services are fully focused to meet your business needs, marketing needs and accelerate your internet business revenue.

Much of Internet marketing and Internet related businesses involves search engine optimization. The need for SEO services on any web related work has increased so much, that many of the big businesses houses are hiring dedicated SEO experts. However not all firms can afford them. Most of the businesses are small businesses that operate out of small offices or homes. There is no scope for such small business to have SEO experts. That however does not mean that they cannot take up the big projects. They can certainly take up big work by availing Reseller SEO services.

Outbound links The links you have to external websites. You should research and build relationships with other sites that aren?t direct competition. They should be relevant and respected with the aim to boost your page rank by linking to them.

SEO team?EUR(TM)s abilities can be judged by its own ranking on search engines. Companies should ensure that they pick up website development Thailand firms who hold a healthy rank in all the popular search engines. A successful SEO firm always has a grasp in catering to diverse fields like designing, optimisation, counselling, management etc. A wise approach for companies would be to choose a multitasking firm. Companies are always operating on target marketing thus choosing a particular segment of customers based on various demographic and psychographic variables. SEO firms which understand such strategic operations of companies are the best ones.

When it comes to having a strong presence online then there is nothing like SEO, search engine optimization, to get some top notch results. Better still, combining the power of SEO with the solidarity and popularity of Yahoo Store and you have the perfect combination for undeniable success.

One of the first areas to focus on is the technical set up of the website (don?t be afraid!). It?s inevitable you?ll need to know about this, so let?s get your head around the terminology.

. SEO is a form of online promotion that allows your website to be seen by both search engines and visitors. It is the process of selecting targeted keyword phrases related to a website and taking measures to ensure the website ranks high when those keywords are queried on a search engine.

Experts utilize proper content syndication services to promote their site closely for better brand image. In addition to that experts provide better copywriting services in order to maximize their marketing skills. Such services are closely designed to boost the latest online marketing skills that certainly appeal readers and search engines alike.

Finding the right and proper keyword is essential to drive traffic to your website. There is another way that can be employed to create supportive links.
This Site

Source: http://artyapt.com/blog/innovative-seo-services-by-usa-search-engine-optimization-firms/

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Treasure Coast Real Estate | HARBOUR ISLE Homes For Sale July ...

by starfish on July 26, 2012

Find HARBOUR ISLE Homes For Sale and HARBOUR ISLE Home Values. We also have information on mortgages, insurance, movers and other Treasure Coast Real Estate Services for anyone looking to sell or buy a home in beautiful St Lucie COUNTY Florida.

Paul Kitchen and Starfish Team provide clients, family and close friends with professional, honest and dependable service. A resident of Treasure Coast, Paul is extremely familiar with the local neighborhoods including HARBOUR ISLE, school districts and the Treasure Coast Real Estate market in this beautiful Florida town.

Paul Kitchen
Broker-Owner
Starfish Real Estate
8985 SE Bridge Road Hobe Sound, Florida 33455
(772) 539-8380
(800) 793-7304 toll free
Treasure Coast Real Estate
Treasure Coast Real Estate Blog

Starfish Real Estate

Source: http://www.treasure-coast-living.com/2012/07/26/treasure-coast-real-estate-harbour-isle-homes-for-sale-july-2012-9/

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Thursday, July 26, 2012

Lawyers: Shower abuse victim to sue Penn State

A banner celebrating the 44 bowl games that the Penn State football team has played in hangs outside of Beaver Stadium on the Penn State University main campus in State College, Pa., Monday, July 23, 2012. Penn State football was all but leveled Monday by an NCAA ruling that wiped away 14 years of coach Joe Paterno's victories and imposed a mountain of fines and penalties, crippling a program whose pedophile assistant coach spent uncounted years molesting children, sometimes on university property. (AP Photo/Gene J. Puskar)

A banner celebrating the 44 bowl games that the Penn State football team has played in hangs outside of Beaver Stadium on the Penn State University main campus in State College, Pa., Monday, July 23, 2012. Penn State football was all but leveled Monday by an NCAA ruling that wiped away 14 years of coach Joe Paterno's victories and imposed a mountain of fines and penalties, crippling a program whose pedophile assistant coach spent uncounted years molesting children, sometimes on university property. (AP Photo/Gene J. Puskar)

(AP) ? A man who claims to be the unknown victim molested in a Penn State shower by Jerry Sandusky in a case that led to Joe Paterno's firing intends to sue the university for its "egregious and reckless conduct" that facilitated the abuse, his lawyers said Thursday.

The lawyers have done an extensive investigation and gathered "overwhelming evidence" on details of the abuse by former assistant coach Jerry Sandusky, they said in a statement.

The identity of so-called Victim 2 has been a central mystery in the Sandusky case, and jurors convicted Sandusky last month of offenses related to him judging largely by the testimony of Mike McQueary, who was a team graduate assistant at the time and described seeing the attack.

"Our client has to live the rest of his life not only dealing with the effects of Sandusky's childhood sexual abuse, but also with the knowledge that many powerful adults, including those at the highest levels of Penn State, put their own interests and the interests of a child predator above their legal obligations to protect him," the lawyers' statement said.

The university said in a statement that it was taking the case seriously but would not comment on pending litigation.

University President Rodney Erickson and the board of trustees, the school said, "have publicly emphasized that their goal is to find solutions that rest on the principle of justice for the victims."

The statement from the man's attorneys said Victim 2 suffered "extensive sexual abuse over many years both before and after the 2001 incident Michael McQueary witnessed."

In recording of a pair of voicemails released with the statement and posted online by the lawyers, a voice that's purportedly Sandusky's expresses his love and says he wants to express his feelings "up front."

The voicemails are dated Sept. 12 and Sept. 19, less than two months before the former Penn State coach was arrested on child sex abuse charges late last year.

The second voicemail asks whether Victim 2 would like to attend Penn State's next game.

Sandusky left "numerous" voicemails for their client fall 2011, the attorneys said.

"Jerry Sandusky's abuse of Victim 2 and other children is a direct result of a conspiracy to conceal Sandusky's conduct and the decisions by top Penn State officials that facilitated and enabled his access to victims," the statement read. "We intend to file a civil lawsuit against Penn State University and others and to hold them accountable for the egregious and reckless conduct that facilitated the horrific abuse our client suffered."

A call seeking comment from Sandusky's lawyer, Joe Amendola, was not immediately returned.

Prosecutors have said they did not know the identity of the boy, and a message seeking comment from the attorney general's office was not immediately returned. McQueary reported the abuse to school officials, including Paterno, but none of them told police.

The victim is not named in the statement, and The Associated Press generally does not identify victims of sex crimes without their consent.

Sandusky awaits sentencing after being convicted of 45 sex abuse counts. Before his trial, Amendola said he had met with a man he believed he might be Victim 2 but that he had not been abused by Sandusky. Amendola said he was not convinced and did not intend to subpoena him, but also said Sandusky himself was insistent they had the right person.

The attorneys who released the statement include several based in Philadelphia and in State College, home to Penn State's main campus and where the shower assault took place. The statement did not say when the lawsuit would be filed or contain details on what redress the plaintiff is seeking.

Trustees fired Paterno, who has since died, because he failed to do more about claims against Sandusky, and a scathing independent review said several top school officials looked the other way because they were afraid of bad publicity. The NCAA has vacated 112 Penn State wins.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/386c25518f464186bf7a2ac026580ce7/Article_2012-07-26-Penn%20State-Abuse/id-f132f3ea0a394e65a49eb987a4e81263

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Peer influence on Adolescent Sexuality | Self Improvement


Self Improvement | Self Improvement | * Written by Dylan Ross | Wednesday, 25 July 2012 09:56 | Word Count: 704

A longitudinal study that interviewed adolescents during 7th grade, after 8th grade, and during 11th grade showed that both parents and peers influence adolescents? involvement in problem behavior (Goldstein, Davis-Kean, and Eccles, 2005).? Both of these factors are important and should be addressed by New York psychologists. For all racial and gender groups studied, peers played a role in that adolescents who engaged in problem behavior were more likely to socialize with negative peers and those who socialized with negative peers were more likely to engage in problem behavior later. ? These peer relations are important to address when conducing therapy in NYC.

As a New York psychologist, I am aware that research regarding peer influences often relies on self-report data from adolescents regarding their own behaviors and self-appraisals of the behaviors of peers (Brown, 2004).? This approach does not address the reality that adolescents tend to choose friends or romantic partners who are already similar to themselves.? This approach also does not address the tendency of adolescents to inflate the similarity between themselves and close friends or partners.? Finally, much research has found that relationships with parents moderate adolescents? relationships with peers (Brown, 1990; Gauze Bukowski, Aquan-Assee, and Sippola, 1996).? Adolescents without close friends have been found to be more influenced by families than peers, while adolescents with lower familial cohesiveness have been found to be more influenced by peers than parents (Gauze et al., 1996).? This is important for your New York psychologist to understand.

While peers do have an effect on adolescents? sexual attitudes and behaviors, research has shown that parent-child factors are often better predictors or are moderating factors, which is why parent-child relationships are important for your New York psychologist to address (Fasula and Miller, 2006; Maguen and Armistead, 2006; Treboux and Busch-Rossnagel, 1995).? In older adolescents, perceived parental sexual attitudes and parent-adolescent relationship quality served as protective factors above the possible risk factors of peers? sexual attitudes and behaviors when predicting adolescent abstinence (Maguen and Armistead, 2006).? Interestingly, in younger adolescents, when peer influence is thought to be stronger, the only significant predictor of abstinence was perceived parental sexual attitudes.? In addition, adolescents? communication with their mothers has shown to have a buffering effect on the negative effects of sexually active peers (Fasula and Miller, 2006; Treboux and Busch-Rossnagel, 1995).? Among adolescents who perceived a high percentage of their peers to be sexually active, those who reported that their mothers were responsive to communication about sex, were more likely to plan sexual delay (Fasula and Miller, 2006).? These studies show that, in spite of peer influences, factors such as parents? attitudes about sex, amount of and responsiveness to communication with their adolescents about sex, and fostering a warm, positive parent-adolescent relationship are important factors in adolescents? sexual attitudes and behaviors.? These important factors can be addressed during therapy in NYC with your adolescent.

In addition, some research has also begun to examine parent-adolescent relationship factors and adolescents? personality characteristics with respect to problem behaviors.? Father- and mother-adolescent relationship factors such as warmth, perceived support, and quality of and openness to communication were found to play a mediating role between adolescent personality traits and externalizing problem behaviors (Manders et al., 2006).? Thus, focusing on parent-child relationships during therapy in NYC is not ignoring that peers or individual characteristics are influential in adolescents? risky sexual behaviors, but instead is an effort to focus efforts where most therapeutic gains will be made.? Because the parent-child relationship is more easily addressed in therapy in NYC than peer influence and because research suggests that it is just as influential, if not more so, than peer influence and personality characteristics, it will remain the focus.? While neighborhood factors, peer relationships, exposure to media, and biological development cannot be as readily targeted by clinicians, family factors can be effectively addressed during therapy in NYC.

Written by Dr. Cortney Weissglass as part of Clinical Research Project submitted to the Faculty of the American School of Professional Psychology of Argosy University, Washington, DC Campus, in partial fulfillment of the requirements for the degree of Doctor of Psychology in Clinical Psychology. Dissertation chair: Ann Womack, PhD and Member: Jennifer McEwan, PhD. August, 2010.

For a full list of references, contact Dr. Weissglass at cweissglass@gmail.com.

Dr. Weissglass plans to offer therapy in NYC to children and adolescents, as well as their families. In late 2012, Dr. Weissglass will be a licensed New York psychologist .

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Logitech's Skype TV Cam HD passes through FCC

Logitech's Skype TV Cam HD passes through FCC

Logitech isn't giving up on living room video chats just yet. Sure, the Revue and the Viera-friendly TV Cam failed to set the world on fire, but a new TV Cam HD just hit the FCC and appears poised to bring Skype to your couch. There was a promo video on Vimeo, but it's since been pulled. Fortunately there's still a Best Buy listing (at the more coverage link) for the device which has it priced at $200. When will it hit shelves? That's anyone's guess... but we imagine it wont be much longer.

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Logitech's Skype TV Cam HD passes through FCC originally appeared on Engadget on Wed, 25 Jul 2012 14:11:00 EDT. Please see our terms for use of feeds.

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Source: http://www.engadget.com/2012/07/25/logitechs-skype-tv-cam-hd-passes-through-fcc/

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Congressman Takes Aim at FDA for Lack of Action in Pet Jerky Treat ...

Congressman Dennis Kucinich (D-OH) has released the following statement criticizing the U.S. Food and Drug Administration for failing to adequately protect domestic pets.

?After a weeks-long investigative trip to China and thousands of reports of sick and dying dogs, the FDA still has no answers and offers pet owners no protection,? said Kucinich.

Constituents reported illnesses in their pets after feeding them chicken jerky snacks, including ?Waggin? Train.? Kucinich then wrote to the FDA demanding strong action and a briefing on their investigation.? The FDA, which had known about problems with the snacks since 2008, issued a warning in November of 2011 about the instances of illnesses, but did not issue a recall.

After Kucinich demanded stronger action, the FDA sent inspectors to plants in China to investigate the conditions in which the treats were manufactured.? The FDA failed to reach a conclusion, releasing their raw data with little context.

?The FDA is waiting to request a recall until it has full scientific certainty about which contaminant or chemical in chicken jerky pet treats is causing deaths of pets all over the country.

As the FDA waits, it has to decide who pays the cost of the uncertainty.? Will it be the dog treat manufacturers, who refuse to issue a recall on their own and make even more money in doing so?? Or will it be beloved dogs and cats who pay with their health and their lives and whose owners receive no real warning about the danger posed by dog treats?

By allowing the treats to stay on the market as the years-long investigation drags on, the FDA is guaranteeing more pets will die. Why?? said Kucinich.

Source: http://www.lifewithdogs.tv/2012/07/congressman-takes-aim-at-fda-for-lack-of-action-in-pet-jerky-treat-poisonings/

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Galaxy earn draw with Tottenham

Associated Press Sports

updated 1:48 a.m. ET July 25, 2012

CARSON, California (AP) -Tottenham's Gareth Bale and Los Angeles' David Junior Lopes scored first-half goals as Spurs and the Galaxy played out a 1-1 draw in friendly on Tuesday.

Bale scored on a brilliant 17th-minute header to give the English club the lead but Brazilian defender Lopes sent home a feed from Hector Jimenez 11 minutes later to pull L.A. even.

The Galaxy were without stars David Beckham, in London for the Olympics, and Landon Donovan, preparing for Wednesday's MLS All-Star game against Chelsea.

Former Tottenham star Robbie Keane led L.A.'s first-half attack.

Tottenham, playing its first match of a three-game U.S. tour, lost midfielder Rafael van der Vaart and fullback Kyle Walker to injury. Van der Vaart walked off in the 35th minute with an apparent groin injury, and Walker was hurt midway through the second half, tumbling into the advertising board behind the Spurs' goal.

Bale outjumped the Galaxy's Omar Gonzalez, MLS' 2011 defender of the year, to send new signing Gylfi Sigurdsson's cross from the left flank over goalkeeper Brian Perk and into the upper-left corner.

Lopes scored his first goal since joining the Galaxy in April just 11 minutes later, finishing a superb sequence after Spurs cleared a corner kick.

Marcelo Sarvas found Hector Jimenez sneaking behind Tottenham left back Sebastien Bassong, curled the ball onto the second-year winger's foot, and Jimenez volleyed it low across the box for Lopes to finish.

L.A. had the better chances the rest of the half, with Keane twice reaching the box unopposed - Kyle Walker knocked the ball away from behind in the 33rd minute, and goalkeeper Carlo Cudicini saved with a foot in the 39th.

The Galaxy made seven changes at halftime, and a young group - two teenagers up front, a rookie in goal, three more on the backline and another in midfield - was forced to defend almost all of the second half.

Tottenham managed several chances, with Jermain Defoe, racing past Gonzalez and into the box from a pass from behind midfield, firing just past the left post in the 55th minute.

Tottenham plays Saturday against Liverpool in Baltimore and next Tuesday against the New York Red Bulls at Red Bull Arena.

The Galaxy have a friendly Aug. 2 at home against Spanish champion Real Madrid.

? 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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