Wednesday, February 8, 2012

Hispanic Churches Coping With Alabama Immigration Law - Gadsit ...

By Gadsit - Wed Feb 08, 9:00 am

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Pastor Gomez of First Baptist Church of Center Point said that many of his congregants left because of the law.

?I called them back and some of them returned. But I know of another ministry that is close to me here in town that had around 120, and now it has about 40,? said Gomez to Baptist Press.

Last year, as many state legislatures considered bills that would increase regulation on immigration, the Alabama legislature introduced HB 56. Known also as the Beason-Hammon Alabama Taxpayer and Citizen Protection Act, it was hailed by many to be the strictest immigration bill in the United States.

The bill, which would pass the legislature and be signed into law by Governor Robert Bentley in June 2011, would allow police to demand proof of legal residency for Alabama residents. It also made it a crime for anyone to transport, conceal, harbor or shield an illegal immigrant.

In addition to civil liberties groups, there was also a faith-based backlash to HB 56. In August 2011, several faith leaders from the Episcopalian, Methodist and Roman Catholic churches in Alabama filed a suit against the immigration law. The ecumenical group argued that the law made it illegal for them to administer sacraments to illegal immigrants, thus involving an unhealthy interference by the state in church matters.

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In December of that year, a federal judge would strike down parts of the immigration law, such as people paying for their annual mobile home registration tags having to prove their legal residency.

Attorney General Luther Strange eventually released a memo stating that he would look into changes for the law so as to make it more enforceable and to nullify ?unintended consequences.? Even with changes being considered by the 2012 session of the legislature, repeal is not being strongly considered by lawmakers.

?Although we welcome any effort to lessen the inhumane impact of HB 56, the suggestions don?t go nearly far enough, as they leave in place several of the worst provisions of the law and maintain Alabama?s unconstitutional intent to drive immigrants out of the state,? said Justin Cox, staff attorney for the American Civil Liberties Union?s Immigrants? Rights Project, in an earlier interview with The Christian Post.

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Source: http://gadsit.com/hispanic-churches-coping-with-alabama-immigration-law.php

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The Romney kids' $100 million trust fund | G7Finance.com - Finance ...

NEW YORK (CNNMoney) ? Mitt Romney?s five sons ? Matt, Tagg, Craig, Ben and Josh ? are sitting pretty with a trust fund worth $100 million.

Getting there took smart tax strategies, and investments that produced great growth, according to the Romney campaign.

Romney and his wife Ann have been giving to the boys since 1995, and, according to a spokesperson for the Romney campaign, all of their contributions have been below gift-tax contribution limits.

The limit for a couple in 1995 was $20,000 and has since grown to $26,000. In addition, there?s a ?lifetime gift-tax exclusion? for all the boys that totaled $1.2 million back in 1995 and has since grown to $10 million.

Add it all up, and the Romneys could have gifted $1.3 million in 1995, and a total of $10.6 million through 2011. All tax free.

To get to $100 million, the account would have needed a 26% average annual compound rate of return, said Jonathan Bergman, chief investment officer at Palisades Hudson Asset Management. Stocks over that same time have gained about 10%.

The Romney campaign noted that winning investments, such as Apple (AAPL, Fortune 500), saw similar gains since the mid-90s. And the trust?s 2010 tax return showed it has invested in the tech giant, as well as other winning investments like Goldman Sachs (GS, Fortune 500), Target (TGT, Fortune 500) and Oracle (ORCL, Fortune 500).

Plus, there are probably many investments we don?t know about. ?Romney probably invested the trust in the same kinds of things he invested in himself, like startups and private equities ? investments with high growth,? said Tim Gagnon, assistant academic specialist of Accounting at Northeastern University.

But even that can?t account for all the gains.

While many of the key details are missing because the family hasn?t released gift-tax returns or disclosed the contributions to the trust, there were likely a few other strategies at play, tax experts said.

?You?ve got people who are paid $1 million a year to work 3,000 hours just to figure out ways to transfer money from older generations to younger generations, and Romney has the money to hire the best of the best,? said Bergman.

As the co-founder of private equity firm Bain Capital, which he left in 1999, Romney has received compensation in the form of ?carried interest?, the share of investment profits that is paid to private equity fund managers. And if Romney transferred this interest to make payments to his kids? trust, he could have received big valuation discounts of up to 40% or more. So if Romney transferred interests in Bain Capital with a net asset value of, say, $14,000, he could have reported the fair market value as only $10,000, below the gift-tax exemption in 1995.

The Romneys could also have loaned money to the trust. While interest on the loans will vary, if the trust uses the loan proceeds to make high-growth investments, it can have more than enough money to pay back the loan.

Another way he could have added money to the trust would have been through a charitable lead trust, which would make a fixed payment to a charity for a specific period of time. Once that term ends, any remaining interest gained while in the trust can flow into the trust for his kids gift-tax-free.

The Romneys could have also set up a Grantor Retained Annuity Trust. When these trusts expire, the beneficiary receives the interest earned on the assets tax-free. They could have transferred a portion of the appreciation of assets into his kids? trust with little or no gift tax.

In the end, it was likely a combination of having a top-tier tax planner who knew exactly how to work the tax code for Romney?s benefit that boosted the trust from a couple million dollars to $100 million in 17 years.

?This is an example of someone who has been very sophisticated and effective in working within the tax code to accomplish his goals,? said Darell Krasnoff, managing director at Bel Air Investment Advisors. ?But it?s not just smart planning. Unless you had a very dramatic rate of return to begin with, you would never get this kind of growth.?

As for paying income taxes on that great growth, Romney is footing the bill. According to his tax forms, the trust is set up as an ?intentionally defective grantor trust,? which means the senior generation pays income tax on the trust each year, but they don?t pay the estate tax. That means the sons won?t have to pay a dime on the trust?s earnings until the assets are distributed or the Romneys pass away.

?Say he was paying a million dollars in income tax on behalf of the trust ? that?s like another million dollar gift to the trust because it?s money the trust doesn?t have to pay,? said Bergman. ? To top of page

First Published: February 6, 2012: 1:51 PM ET

Source: http://g7finance.com/g7finance-news/the-romney-kids-100-million-trust-fund/

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Tuesday, February 7, 2012

Obama risks Catholic vote with birth-control mandate (Reuters)

(Reuters) ? Dr. Joe Casillas, an obstetrician in Southern California, routinely prescribes birth control for his patients. Though he's a practicing Catholic, he doesn't follow his church's stern warning that contraception is a sin. He believes women should have access.

Yet Casillas was dismayed when the Obama administration recently ruled that religious institutions had to follow the same rules as other employers and offer free contraception as part of health insurance coverage. The idea that the government would force Catholic hospitals to subsidize birth control - or, to avoid the mandate, drop health insurance for their employees - appalled him.

Now Casillas, a registered Democrat who voted for Obama in 2008, says he is not at all sure he can back the president for a second term. "It's given me pause," he said.

Similar shockwaves are reverberating across the country, as Obama's refusal to exempt religious employers from this provision of his health-care law has deeply angered many Catholics - who will make up a crucial, and unpredictable, chunk of the electorate in the November presidential election. About one in four U.S. voters is Catholic and as a group they have swung back and forth between Democrats and Republicans.

In recent days, the administration has said it is willing to work with religious institutions to find ways to cover contraception without violating principles of faith. But no concrete plans for compromise have emerged.

The protest has been led by the U.S. Conference of Catholic Bishops, which encouraged parish priests from coast to coast to read aloud fiery letters denouncing the federal policy during Mass. "It is hard not to see this new mandate as a direct attack on Catholic consciences and the freedom of our Catholic institutions," Los Angeles Archbishop Jose H. Gomez wrote in one such letter of protest.

The bishops also urged the faithful to bombard Congress and the White House with complaints. By Tuesday, more than 23,000 people had signed an online petition demanding that the rule be overturned.

FAIRNESS FOR WOMEN

The administration cast the decision as a matter of equity for women. The new federal health care law requires most insurance plans to cover preventive services, such as blood pressure checks and childhood immunizations, without a deductible or co-pay. An outside board of scientists and doctors recommended last summer that contraception be included as a preventive service and the administration agreed.

The mandate does not apply to insurance plans offered by churches and schools that serve and employ primarily people of one faith. Nor does it require any individual physician or pharmacist to provide a service he considers immoral.

But insurance offered by church-affiliated institutions that deal with the public at large, such as hospitals and universities, must cover contraception. The mandate takes effect for most employers August 1; religious employers can apply for a one-year extension.

Jon O'Brien, president of Catholics for Choice, a group that supports access to contraception, said he's heard from hundreds of women employed by Catholic institutions who welcome the new policy - and express anger at the bishops, who they see lobbying to deny them a benefit provided to others under federal law.

"They think it would be a great injustice that they be treated differently from other workers," O'Brien said. "Why is it they should be discriminated against?" Yet many are reluctant to speak out publicly, he said, for fear of angering their employer.

A new poll released Tuesday by the Public Religion Research Institute, which is run primarily by left-leaning religious leaders, found that a majority of Americans - including 58 percent of Catholics - support a requirement that health insurance plans provide free birth control. A slight majority of Catholic voters, 52 percent, said religiously affiliated colleges and hospitals should also have to provide that benefit.

Without insurance, contraception generally costs $15 to $80 a month, depending on the method and brand. A recent study by the Guttmacher Institute, which supports expanded access to contraception, found that even among women who are employed, one in four says she's found it tough to afford contraception. The study found 18 percent of women who are on the birth-control pill sometimes skip doses or entire months to save money.

"I believe this proposal strikes the appropriate balance between respecting religious freedom and increasing access to important preventive services," Kathleen Sebelius, the secretary of Health and Human Services, said in announcing the policy last month.

The administration also pointed out that 28 states already require insurance plans to cover contraception if they cover other prescription drugs. In most cases, however, religious institutions can get around that requirement through exemptions and loopholes.

The new mandate offers just one loophole: Any employer, including a religious institution, can continue to offer the same health benefits it currently provides, so long as the plan is frozen exactly as is. If the employer or insurer raises costs, tweaks deductibles or changes the benefits in any way - which happens very frequently in most plans - the new rules apply.

Many Catholics - including key Catholic supporters of Obama - said the president gravely miscalculated, on both the moral issue and the political implications.

"These are questions that go to the heart of who we are as a people and as a church," said Douglas Kmiec, a conservative legal scholar who broke from his fellow Republicans to campaign for Obama in 2008 as part of an influential group called Catholics for Obama. "There's no question this will cause complications for Obama."

Obama won the Catholic vote decisively in 2008, on the strength of strong support from Hispanic Catholics. But polls show that a sizeable number of Catholics had already begun to shift allegiances to the Republican Party before this decision. While Catholics as a group still lean left, the Democrats held an edge of just six percentage points among the group last year - down from 16 percentage points in 2008, according to polling by the Pew Research Center.

Political analysts say even before this decision, Obama faced a tough challenge holding on to support from white, working-class Catholics in battleground states such as Pennsylvania, Michigan and Ohio. It was votes from that bloc that helped propel Republican George W. Bush to victory in 2004.

Another crucial group for the president: Hispanic Catholics in swing states such as Nevada, New Mexico and Colorado. Polls show many Latino voters are already upset at Obama for deporting a record number of illegal immigrants during his presidency; for some, this could be the final blow.

"I don't know what to tell you except that everyone's still stunned," said Robert Aguirre, president of the Catholic Association of Latino Leaders, a nonprofit group of business owners and civic leaders.

Obama could take an especially big hit on the issue politically if the Republicans pick Florida Senator Marco Rubio as a vice presidential nominee, political analysts said. Rubio, who is Catholic, has filed a bill to overturn the contraception mandate and could keep the issue alive.

A POLITICAL MISCALCULATION?

Catholics who have worked closely with the White House on various issues said they believe the administration misjudged the response for several reasons.

Polls show that as many as 98 percent of Catholic women in the United States have used birth control, despite the church's teachings.

And Obama received important support from Catholics in his grueling health-care fight; though the bishops opposed his overhaul, other prominent voices in the church supported him on the grounds that extending coverage to more Americans furthered social justice.

So the administration may well have believed that opposition to expanded contraceptive coverage would be muted, said Sister Simone Campbell, executive director of Network, a national Catholic social-justice lobbying group. "You could say they miscalculated," she said.

Indeed, several groups that supported Obama's general health-care goals have issued biting statements opposing the new mandate. "The administration got focused on the substance and missed the higher-level issue of conscience," said Campbell.

For Casillas, the ob/gyn in southern California, that issue of conscience is paramount. It doesn't violate his conscience to prescribe birth control - but he knows other Catholics have a different take. "I want to preserve their ability to maintain their moral compass," he said.

Catholics who continue to back Obama despite their dismay at the contraception mandate say they'll urge voters to consider all of the president's policies, not just this one ruling.

That tactic worked in 2008, when Catholics for Obama put out radio ads and booklets arguing that Obama's policies on aiding the poor and ending the wars in Afghanistan and Iraq were in line with Catholic social justice teachings - and made him a moral choice for president, despite his support for legal abortion.

The president seemed to be laying the groundwork for a repeat of that campaign when he spoke at the National Prayer Breakfast last week. He told the crowd of religious leaders that many of his policies, including his call for the wealthy to pay more in taxes, sprang from Biblical teaching. "For me as a Christian," Obama said, the proposed tax hike "coincides with Jesus's teaching that 'for unto whom much is given, much shall be required.'"

It's unclear how well that tactic will play in this election, after the latest furor. "The Obama campaign went out of its way in 2008 to court Catholics," said Stephen Schneck, a political scientist at the Catholic University of America who has advised the president on outreach. "This could be messing all that up."

(Reporting By Stephanie Simon in Denver; Additional reporting by Lily Kuo in Washington; Editing by Claudia Parsons)

Source: http://us.rd.yahoo.com/dailynews/rss/obama/*http%3A//news.yahoo.com/s/nm/20120207/pl_nm/us_usa_catholic_birthcontrol

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WillCall and other iPhone apps are changing the ticket game (Appolicious)

The other day, TechCrunch tipped us off to a hot new last-minute ticket-selling app called WillCall. The app currently lets users choose their purchases from a select list of concerts, but will soon expand to include tickets to plays and symphonies as well. WillCall is currently only available in San Francisco but will expand to Los Angeles and New York City in March.

If this all sounds like a way to simply hold back extra tickets to increase demand, it should be noted that the TechCrunch story notes that some tickets may be discounted from anywhere between 30 to 50 percent, so its not all bad.

As much as I like the idea, it got me thinking about what other ticket-purchasing apps were also available to iPhone users. It turns out there are a few others worth looking at.

Redline Tickets (free) has a built-in advantage over WillCall in that its already offering up tickets for events all over the United State and Canada. Users can search for events via geographical region using the iPhone GPS or by the venue, sport or musician. Would be ticket buyers can also browse events simply by seeing what?s hot in town during the current week.

If you prefer to get your tickets from sad souls who can?t make the concert they wanted to attend, Antengo?s real-time classified app is a perfect option. Antengo lets users sell and find concert tickets, roommates and furniture but its most valuable asset is its anonymous messaging system. Once you find the tickets you?re looking for you can message quickly with the seller and keep in contact with them until the tickets are in your hands. And you?d be doing someone a favor, when you think about it.

But what if you?re a club promoter looking to sell tickets? Turns you there?s an app for you, too. CLUBTIX (free) makes it easy to handle will call lists and ticket sales directly from its own interface. You can even combine the app with a barcode scanner and scan tickets through the app, too.

Finally, there are apps like Ticket Tweet (free) that act as aggregators of search results from the secondary ticket market. Find the event you?re looking to see and Ticket Tweet will search numerous ticket brokers to find you the very best deals on that sold out concert you never thought you?d get to see. If making online ticket purchases makes you queasy, the app also lists a customer service phone number to ease any possible tension you might feel.

Whether you prefer to wait until WillCall comes to your city, or you pick up one of the other apps mentioned here, it seems clear that the only thing stopping you from seeing your favorite bands live isn?t whether their show is sold out, it?s whether you feel like putting your iPhone to work for you. That and deciding whether you really feel like standing next to sweaty teenagers all night.

Source: http://us.rd.yahoo.com/dailynews/rss/applecomputer/*http%3A//us.rd.yahoo.com/dailynews/external/appolicious_rss/rss_appolicious_tc/http___www_appolicious_com_articles10959_willcall_and_other_iphone_apps_are_changing_the_ticket_game/44423888/SIG=13ckcju86/*http%3A//www.appolicious.com/tech/articles/10959-willcall-and-other-iphone-apps-are-changing-the-ticket-game

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Monday, February 6, 2012

Obama's grandma injured after car rolls in Kenya

FILE - In this Feb. 6, 2008 file photo, Sarah Obama, step-grandmother of U.S. President Barack Obama, sits in the backyard of her house in the village of Kogelo, near the shores of Lake Victoria, in Kenya. President Barack Obama's 91-year-old step-grandmother suffered bruises and shock after a car she was traveling in rolled over, a relative and a hospital official said Monday, Feb. 6, 2012. (AP Photo/Ben Curtis, File)

FILE - In this Feb. 6, 2008 file photo, Sarah Obama, step-grandmother of U.S. President Barack Obama, sits in the backyard of her house in the village of Kogelo, near the shores of Lake Victoria, in Kenya. President Barack Obama's 91-year-old step-grandmother suffered bruises and shock after a car she was traveling in rolled over, a relative and a hospital official said Monday, Feb. 6, 2012. (AP Photo/Ben Curtis, File)

Sarah Obama, second from right, step-grandmother of U.S. President Barack Obama, receives a courtesy call from local police officers following a car accident in which she suffered minor injuries, at her home in Kogelo, western Kenya, Monday, Feb. 6, 2012. President Barack Obama's 91-year-old step-grandmother suffered bruises and shock after the car she was traveling in rolled over, a relative and a hospital official said Monday. (AP Photo)

FILE - In this Feb. 5, 2008 file photo, Sarah Obama, step-grandmother of U.S. President Barack Obama, holds a photograph of her and her grandson, as she speaks to the media in the living room of her house in the village of Kogelo, near the shores of Lake Victoria, in Kenya. President Barack Obama's 91-year-old step-grandmother suffered bruises and shock after a car she was traveling in rolled over, a relative and a hospital official said Monday, Feb. 6, 2012. (AP Photo/Ben Curtis, File)

(AP) ? President Barack Obama's 91-year-old step-grandmother suffered bruises and shock after a car she was traveling in rolled over, a relative and a hospital official said Monday.

The relative said Sarah Obama was traveling to her home in the village of Kogelo, in western Kenya, when the accident happened Saturday night.

He said the vehicle lost control and rolled as the driver attempted to overtake a truck near the Kisumu airport. The relative asked not to be named because he is not authorized to speak for the family.

Najim Mawji, the chief operating officer of the Agha Khan hospital in Kisumu, said doctors discharged her Saturday night after she had gone through several tests.

Mawji said she coped well with the shock that came from the accident.

Sarah Obama is the second wife of Obama's paternal grandfather. Obama referred to her as "Granny" in his memoir, "Dreams from My Father," and described meeting her during his 1988 trip to his father's homeland and their awkwardness as they struggled to communicate.

Barack Obama has visited his Kenyan relatives three times in Kogelo, and his step-grandmother has gone to the U.S. at least three times. In a 2008 interview she said they are close, although they have to speak through an interpreter.

Kenya has a special regard for President Obama, the son of a Kenyan economist and an American anthropologist. Children, shops and dozens of minibuses ? which carry names in Kenya ? are named after the president.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2012-02-06-AF-Kenya-Obama-Grandmother/id-36bf25d751f646959ace69f9eeaefaca

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The Excellent Capabilities of Dental Guards for TMJ or TMD ? KIDS ...

[unable to retrieve full-text content]KIDS AND TEENS ARTICLES Only Directory which has Articles Related to KIDS AND TEENS ARTICLES · Home · About Us · Privacy Policy · Contact Us · The Excellent Capabilities of Dental Guards for TMJ or TMD. February ...

Source: http://kidsandteensarticles.info/2012/02/the-excellent-capabilities-of-dental-guards-for-tmj-or-tmd/

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Sunday, February 5, 2012

Home Info: Simple Home Improvement Suggestions That Can ...

What you can do in the way of home improvement will largely depend on your particular situation. You may have a fireplace that you use or other features not found in every home. You need to know what is in your own house, and work with what you have. However, there are so many things that can be found in every home which is a good thing. The reason for that is you can learn from the experiences of so many other people. Finding clever tricks and tips from someone you will never know, is a great aspect that comes from searching online. When people give advice, whether it is asked for or not, knowledge is imparted that could be valuable.

If you have an old fireplace, then you should know all about creosote, especially if it is old. When you burn wood, the by-product is a corrosive, toxic, and highly combustible substance, called creosote. The insides of a chimney can accumulate creosote, after many years, and it can possibly burst into flames. Chimney cleaners are still in existence, and they will remove the creosote from your chimneys. Creosote needs to be disposed of correctly, so you need to find a reputable company that will give you a guarantee. You can do a quick and inexpensive upgrade to the security of your home by installing security lighting outside. Instead of hitting a switch every time you go outside, a motion sensor activated lighting system can also detect others. The best place to put these lights is over the garage and any doors that you go in and out of during the evening. You can actually install these wherever you wish. You can put them in your backyard and the side of your house too. Anything that moves within the proximity of the motion sensor will trigger the light to come on and the light will reveal their presence. These lights can also act as conventional lights giving you the ability to turn them on and off with the switch. Take into consideration what you?ve read thus far about Online Opportunities. Should it reinforce what we already know just regarding the subject matter or such related information? Or was there something new? Probably the remaining paragraphs as soon as i?ve will perform the key?

Changing your air conditioner and heater filters is a great way to do some quick and necessary upkeep. If your heater has a heating pump, the filter should be changed regularly. Filters actually remove dust particles and therefore the dirt can build up on the filters requiring them to be changed. What happens is the dust prevents airflow and therefore the device will be inefficient when running. Dust particles that are built up can actually blow through into your home. Changing the filters prevents this. A quality filter will have a micron range which allows for the collection of very small particles. You should always get these.

Even though these home improvement tips are necessary, you might not be able to do them yourself. It is very simple to use the electrical outlet checker. This is a device almost everyone can use right away.

We strongly recommend you have a licensed electrician take care of the other two tips. Overall, you will be improving the safety of your home and spending just a little money to do so.

Source: http://orchus.ca/home-info-simple-home-improvement-suggestions-that-can-improve-electrical-safety

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