FBI arrests West New York mayor

The FBI has arrested the mayor of West New York and his son for allegedly hacking into a web site associated with a movement to recall the mayor. Felix Roque was elected as a reformer in a town known for corruption.? ?The elected leader of West New York and his son allegedly hacked into computers to intimidate constituents who were simply using the internet to exercise their Constitutional rights to criticize the government,? said U.S. Attorney Paul ?What Corruption?? Fishman. (No word on whether Fishman still thinks New Jersey corruption is overblown.) Roque, a Hudson County Democrat, has been a supporter of Republican Chris Christie. In addition, he? endorsed Republican Joe Kyrillos against incumbent U.S. Sen. Bob Menendez, long seen as a Hudson County political boss.? He was forced to take it back by his own party. Menendez recommended Fishman for the U.S. Attorney job.

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Bob Ingle is Senior Political Columnist for Gannett New Jersey newspapers and co-author of The New York Times' Best Seller, "The Soprano State: New Jersey's Culture of Corruption" and "Chris Christie: The Inside Story Of His Rise To Power". He has won numerous journalism awards and is often a news analyst on radio and television. On Twitter @ bobingle99.

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Android app shames parking jerks in real time

18 hrs.

Helen A.S. Popkin

Inconsiderate parking is a universal problem. Curb-climbing SUVS, sports cars angled across the lines, double-parked delivery trucks and motorists with no personal boundaries, leaving you little room to get in your car, or pull out of the spot,?are everywhere. Now, a Russian online newspaper is attempting to remedy the rudeness ? at least in its corner of the world.

Parking Douche, an Android app developed by The?Village, invites irritated Android users to upload plate numbers and?photos of poorly parked cars.

People online?nearby are served with a?pop-up ad?on The Village news?website?that show which jerks have parked where, and just?how egregiously they have abused the social contract.

"The data is streamed live through an IP address, so (only) people who live or work near the locations where the car was parked see it," the video goes on to explain. And, it seems, the only way the online witness can dismiss the pop-up is by sharing the car's info on social media such as Facebook.

But the description for Parking Douche and the video fail to mention the Android app's major flaw: It's only available in Moscow.

"Please make it for other countries!," wrote one commenter on the app's page in the?Google Play store.

Right?!

OK, so there's a few Big Brother aspects that make such an app problematic. Posting the plate and location of someone else's car on a local Web newspaper, let alone Facebook, is more than a little privacy invasive.

Then there are the harassment possibilities, as the entire goal of this product is to humiliate someone publicly. It's not clear how much due diligence this app can do, screening for proper?jerks rather than just?reporting the perfectly parked car of someone that an app user just really wants to annoy. ?

Still ... wildly problematic?privacy?heebie jeebies?aside, the applications for a?viable real time shaming technology available to with a smartphone are astronomical! Think how awesome the world could be if could humiliate the world out of:

• Jerks who use their cellphones in movie theaters!?
  
• Jerks uses the escalator as a phone booth ... for their cellphones!
  
• Jerks who text while they're in my way.
• That one dude?who uses the sidewalk in front of my building to do push ups in?between sprints.
• Jerks who use cellphone apps to complain about other people!?

Working together, we could?shame the whole planet into polite compliance. As the Parking Douche video claims,?"Thanks to this naming and shaming campaign, more and more people are now caring about where and how they park." ?Alas, whether you're for or against such humiliation campaigns, the app's video provides no imperial data is provided to back up that claim.?

??Via Mashable

Helen A.S. Popkin goes blah blah blah about Internet privacy, then asks you to join her Twitter?and/or?Facebook. Also,?Google+. Because that's how she rolls.

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Protests dwindle in Chicago as NATO summit concludes

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Anderson Silva duels with sensei Steven Seagal over a beer (VIDEO)

The UFC middleweight champ, a referee, a cage announcer, and an actor/sensei/officer of the law/shooting glasses wear/leather coat aficionado walk into a bar:

Unfortunately, we don't get to see the end of their scintillating duel over mediocre beer. Does Silva rise up against the man who taught him the kick that knocked out Vitor Belfort? Do they agree the beer is mediocre, forget their feud and start singing with Bruce Buffer at the old timey piano? Does Dan Miragliotta find a hidden beer that he shares along with the secret to his always-glowing tan? There are so many ways this could end. Tell us how you would solve this cliffhanger in the comments, on Facebook or on Twitter.

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'P&O Cruises Australia - Cruise Specials', claytonriver125's blog ...

yesterday at 00:19

P&O Australia is truly a most liked for Australian and Kiwi cruisers. The cruises tend to be aimed at a fun-loving and laidback down under market. They are loaded with wonderful outdoor recreation including rock climbing, mini-golf, swimming pools and water play areas for the children, and provide cruisers the opportunity to consume on the flexible timetable with Your Choice Dining along with casual meals by the pool or perhaps in the buffet. Sporting activities are also available. The Pacific Pearl is outfitted for cricket, basketball and running.

The Pacific Dawn and Pacific Pearl have both in recent times undergone improvements to bring these more in accordance with the Pacific Jewel, bringing fascinating new features to the series similar to Luke Mangan's Salt Grill restaurant, offering amazing food stuff at a smaller cover charge. The bars around the ships have also been improved, along with flat-screen TVs added to all cabins, and also a huge LED screen on the pool deck so passengers may watch movies in the open atmosphere. The Pacific Dawn, a popular of the P&O Australia fleet, is currently in dry dock, and remodeling are starting point a fantastic advancement for people who cruise in her.

Kids would be taken care of on P&O cruises Australia ships, with three kids centres targeted at specific age brackets. These are Turtle Cove with regard to 3-6 year olds, Shark Shack for 7-10 year olds and HQ and HQ+ intended for 11-17 year olds. These are free, together with entertainment and activities targeted at the age groups involved, for instance arts, crafts, movies and scavenger hunts for the littlies, the identical plus interactive talent shows along with playstation competitions for the older ones, and sports competitions, pizza and mocktail functions, hiphop sessions, sports comps and gaming for the teens.

The cruises have got all you might need on a luxury cruise pools, great food choices, activities, live entertainment, health spa treatments and more, and, beside the ships getting intended for a down-under attitude, the added benefit of P&O Australia for the Australasian market is that the cruises are based here and the cruises are readily available frequently and from all of the major ports. There are tropical islands at our doorstep, and P&O cruises Australia is making it easy for Aussies and Kiwis to get there!

Tags: p&o cruises

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biomass larina: Business Consultant and Coach, Nathan R Mitchell ...

Tulsa, OK (PRWEB) May 16, 2012

Nathan R Mitchell is a Business Consultant, Celebrity-Endorsed Author, Motivational Speaker, and the Founder of Clutch Consulting LLC in Tulsa, OK. He has been mentoring, coaching, and conducting business consulting work with entrepreneurs, small business owners, and others for more than a decade.

He officially launched Clutch Consulting in 2010 with one, very simple mission: ?Growing Businesses and Empowering People.? Since then Nathan has continued to help business owners and aspiring entrepreneurs grow their business, get more clients, and ultimately better results.

He is also the author of the top-selling, Brian Tracy endorsed book, ?Give Me the Ball! Winning the Game of Entrepreneurship,? which has caught the attention of business owners and aspiring entrepreneurs across the globe.

Most recently, Mitchell authored a ?White Paper? titled ?The Absolute Truth on How To Acquire New Clients Fast.? This report can be downloaded free of charge for a limited time at http://freereport.winningthegameofbusiness.net

?What I discovered,? says Mitchell ?is the majority of business owners face three major challenges: 1) getting more clients, 2) time management, and 3) money. It?s my goal to help as many business owners as possible get more clients for their business.?

One of the ways Mitchell is doing this is through his weekly webinars and conference calls. As it stands right now, those calls are being held every Friday at 11:00AM CST.

?Unfortunately, many business owners don?t know where to start,? says Mitchell. ?In my professional opinion, the real problem lies in business owners not having enough leads. I can help them solve that problem!?

And that?s why many call Nathan their ?Trusted Business Advisor.? He helps them solve their problems, implement real systems, and ultimately produce real results.

Guests who attend Mitchell?s webinars and conference calls can expect to learn:

1) How to attract highly targeted prospects and clients who WANT to do business with you

2) Nathan?s top 8 strategies for getting more clients faster than you ever thought possible

3) What you must do starting today to create a flood of traffic, leads and sales for your business! And?

4) Why SEO is so important, and how to get ranked on Google, so customers can find you easily online

To get the details of Nathan?s next call, simply visit his event page at: https://www.facebook.com/events/326576924080450/

You can also message him directly at http://www.clutchconsulting.net/contact

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Extended Stay Hotels At A Glance

Will your next business trip, vacation, or relocation, entail an extended time of stay? Hotels which specialize in extended stays for guests are ideal for travelers who are required to be away from their home at a particular location for longer periods of time with the purpose of providing a very homelike atmosphere. The idea of these extended stay hotels is to basically make longer term bookings at more affordable rates to the guest and to provide accommodations that mimic and feel like a home experience. You will find that the rooms these hotels have were designed to provide amenities that keep long term business and vacation travelers,? and those relocating in mind. Some of the main amenities include laundry service and kitchen facilities.

These facilities usually offer studio suites that are normally larger compared to a typical room and can be more within the budget? of most guests when comparing to corporate apartment rates.

You will find them located near urban areas and shopping facilities for greater convenience. Many hotels also have additional amenities such a wireless internet and high speed services, unlimited use of local phone calls, exercise rooms and even pools. If you need a place to stay for a week or more, these hotels are an excellent choice. They also cater to families on vacation who are on a tight budget because the rooms are larger and the kitchen that is provided can help reduce costs on food.

With the availability of the internet on a computer or smart phone, you shouldn't have to look very far to find a hotel which offers extended stays. Just go online and type in the location where you will be staying on one of the major search engines and you will have numerous options of which to choose from. Many hotel booking websites will provide the option of a virtual tour where you can actually see your room. You have the option to reserve your room and make payment right from the internet in advance if required by the hotel. Some corporate hotels will also provide discounts and additional promotional offers. It 's always a smart move to check with your company to see if they have a connection to any particular hotel chains. If your stay is exclusively for a vacation, then you could possibly stay during the off season, which will usually ensure that you receive cheaper room rates.

These hotels which provide extended stays are very attractive to a wide variety of travelers. Paying outrageous room rates at exorbitantly priced? hotels does not make a lot of sense especially when you are traveling for leisure and on a budget. The rooms you will find will be clean and neat with more than enough amenities to feel like your home away from home.

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Foundation objects to auction of purported vial of Reagan's blood

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Video: Emotional end to Rutgers bullying trial

A judge sentenced the former Rutgers University student to 30 days in jail and three years of probation for spying on his gay roommate with a webcam. NBC?s Mara Schiavocampo reports.

Related Links:

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Disco Era Icon Robin Gibb Dies of Cancer at 62 (Voice Of America)

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WWE Over the Limit 2012 results

WWE.com has complete WWE Over the Limit 2012 results for all of the exciting bouts on the pay-per-view card, including John Cena vs. John Laurinaitis, WWE Champion CM Punk vs. Daniel Bryan, and the World Heavyweight Championship Fatal 4-Way Match.

Over the Limit 2012 results:

Pre-Show Match
Kane def. Zack Ryder - FULL STORY | PHOTOS

Christian won a 20-Superstar "People Power" Battle Royal - FULL STORY | PHOTOS

WWE Tag Team Championship Match
R-Truth & Kofi Kingston (c) def. Dolph Ziggler & Jack Swagger - FULL STORY | PHOTOS

WWE Divas Championship Match
Layla (c) def. Beth Phoenix - FULL STORY | PHOTOS

World Heavyweight Championship Fatal 4-Way Match
Sheamus (c) def. Chris Jericho, Alberto Del Rio and Randy Orton - FULL STORY | PHOTOS

Brodus Clay def. The Miz - FULL STORY | PHOTOS

WWE Championship Match
CM Punk (c) def. Daniel Bryan - FULL STORY | PHOTOS

Ryback def. Camacho - FULL STORY | PHOTOS

General Manager John Laurinaitis def. John Cena - FULL STORY | PHOTOS

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Risk management in emerging markets | mustafakhalaf

In the process of internationalizing, companies should take care about their new framework of risk management, especially if the process of internationalizing is towards emerging markets. After crisis, companies should make their pricing process depending on their risk taken, and build a risk-incentive system.

First of all, the financial institutions have to define their types of risk and their risk appetite. This should be done by a risk appetite framework that takes into account the risk principles, strategic principles, governing financial objectives and some measures to rule and control the risk appetite. This framework should match the risky activities with the expectations of the shareholders? and to emphasize the institution?s risk management strong culture in a transparent procedures that allows everybody to be updated with the latest data and emphasizing the transparency in the framework of the risk appetite.

One of the most important points that all the firms should understand is their risk exposures, which may result in losses in their investments. Also, firms should take into account the periods of their risk exposure, especially with the OTC exposure and should ask for more collateral from their brokers to protect against default, and contentiously monitor their exposure to counterparties. As a result, risk governance should be a top priority and enters the strategic view for the senior management of any business.

Financial institutions should run a rigid credit analysis of counterparties. New divisions have to be created for structural credit positions and to monitor credit quality. Some emphasis should be applied on the abilities and quality of forecasting the future in all of the cases which include the worst case scenario.

Institutions have to understand the relation between credit risk and each type of risk represented in the Enterprise wide Risk Management system. Some models already exist for this integration starting from: Credit portfolio Models, when institutions have their internal credit models for risk management where thy differentiate risk on certain parameters. Internal Ratings: where ratings are given for the creditworthiness of an entity which reflects its ability to repay debt. Exposure limit: where institutions create a scale for exposure to a certain number of entities and categories, so that if the exposure hit the limit, trade with the entity will be blocked. Stress testing: is done to overcome some drawbacks of risk models that depend on historical data.

To help in managing the credit risk especially in crisis there are some recommended ways to follow: Risk base pricing, Covenants of the capital of the debtor, Credit insurance for receivables, Credit derivative to hedge the risks and Collaterals.

The framework for the credit risk should focus on the culture of the institution, the people and the organization with the emphasis on the importance of the technology in the recent days, IT systems, so that companies could enhance their forecasting to make the best decision. The framework should include in the core: Risk rating systems-e.g. RARAOC, business process improvements, data management using IT systems to deal with data and risk intelligence such as dashboards.

After building the framework, financial institutions should run credit risk assessments, and build a reporting dashboard system for the Enterprise wide Risk Management and after that they should start forecasting the future depending on the general situation, but more conservative decisions and approaches should be taken in crisis times.?

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Re-Financing-With-A-Line-Of-Credit-Loan | TravelBuddies.us ...

Re-Financing with a Line of Credit Loan

Some homeowners might consider re-financing with a home equity line of credit as opposed to a traditional loan. There are definite advantages and disadvantages to these types of situations. The key to understanding whether or not re-financing with a home equity line of credit is worthwhile involves understanding what a home equity line of credit is, how it differs from a home loan and how it can be used. This article will briefly cover each of these topics to give the homeowner some useful information which may help them decide whether or not a home equity line of credit is ideal in their re-financing situation.

What is a Home Equity Line of Credit?

A home equity line of credit, sometimes called a HELOC, is essentially a loan in which funds are made available to the homeowner based on the existing equity in the home. However, in this case, it is not really a loan but rather a line of credit. This means a certain amount of money is made available to the homeowner and the homeowner may draw on this line of credit as funds are needed. There is a specified period in which the homeowner is able to make these withdrawals. This is known as the draw period. Additionally there is a repayment period in which the homeowner must repay all of the funds they withdrew from the account during the draw period.

How Does a Home Equity Line of Credit Differ from a Home Equity Loan?

The difference between a home equity line of credit and a home equity loan is really quite simple. While both loans are secured based on the existing equity in the home, the manner in which the funds are disbursed to the homeowner is rather quite different. In a home equity loan the homeowner is given all of the funds immediately. However in a home equity line of credit the funds are made available to the homeowner but are not immediately disbursed. The homeowner is able to draw against this line of credit as he sees fit. There are limits to the amount which can be withdrawn and there is also a limit on when funds can be withdrawn. A home equity has a draw period and a repayment period. Funds can be withdrawn during the draw period but must be repaid during the repayment period.

How Can a Home Equity Line of Credit Be Used?

One of the biggest advantages of a home equity line of credit is that the funds can be used for any purpose specified by the homeowner. While other loans such as an auto loan or even a traditional mortgage might have strict restrictions on how the money lent to the homeowner can be used, there are no such restrictions on a home equity line of credit. Common uses of a home equity line of credit include the following:

* Home renovations or improvement projects
* Opening a small business
* Taking a dream vacation
* Pursuing higher educational goals
* Opening a small business

In some cases the interest paid on a home equity line of credit may be considered tax deductible. This may apply in situations where the funds are used to make repairs or improvements to the home. However, these expenses are not always tax deductible and the homeowner should consult with a tax professional before making decisions regarding which interest payments can be deducted.

This entry was posted in Finance Tips and tagged credit, draw, equity, financing, funds, home, homeowner, line, loan, period, situation. Bookmark the permalink.

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The Basic Features Of The Nintendo 3DS Video Game Console

The Nintendo 3DS video game console is the first one of its kind. It is the pioneer when it comes to portable video game consoles which are capable of bringing top-of-the-line 3D technology to games, videos, music, and photos. It lets people enjoy video games in 3D ? just like how we enjoy 3D movies ? only without the need to wear 3D glasses.

Nintendo has truly reached new heights in bringing 3D video gaming technology to life. Aside from not requiring glasses, the Nintendo 3DS video game console also has an embedded motion and gyroscopic sensors that make the system react to motion, such as tilting. Moreover, this portable gaming device also gives people the opportunity to change the level of 3D that they want to experience (super 3D, medium 3D, low 3D, or none at all) through what is called a ?depth slider?. This feature is very important, especially to children under seven, whose eyesight may be damaged by 3D. Hence, children can be safeguarded from the harmful effects of 3D since it can be turned off as necessary.

Another exciting feature of the Nintendo 3DS game console is its ability to connect to the Internet and exchange data with other users using online interaction. Also, this feature allows gamers to see who?s playing online and send messages with the use of WiFi. If you?re after knowing the physical features of the device, here?s a rundown of what you?re looking for: size when closed is 2.9? H x 5.3? W x 0.8? D, weight is 8 oz (including battery pack, stylus, SD memory card), upper 3D display is 3.53? and features 16.77 million colors, lower display is touch screen and contains 16.77 million colors, has three cameras (2 Exterior, 1 Interior) each with 640 x 480 resolution, contains a game card slot, SD card slot, cradle connector, AC adapter connector, audio jack, and a telescoping stylus.

The Nintendo 3DS video game console is definitely something that the whole family can truly enjoy. Enjoy 3D games, videos, music, and photos at their best ? all in just one small package.

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SYNKOPY Festival music review by Mellotron Storm

I'm not sure how many prog fans would actually like this EP. SYNKOPY released this back in 1972 and there is a real sixties Pop flavour to the music throughout. Vocals are in their Czech language. I love this stuff.

"Festival" opens with strummed guitar as electric guitar leads jump in then vocals. This is a top three for me. Just so catchy and i like the depth of the music. "Par Tydnu" is another catchy 60's sounding vocal led tune. Harmonies help out and we get a raw guitar solo after 1 1/2 minutes. Another top three. This music just makes me feel sooo good. "Chci Devce Staly" opens with harmonica and a beat. Vocals and guitar follow. Good song. "Dablova Znama" is led by guitar and multi-vocals. Very BEATLES-like. I'm not a big fan of the way "Lady Godiva" starts but man when it kicks in i'm singing along with the chorus and vocal melodies. So uplifting and the final top three for me. "Bytost Podvina" is killer stuff with the abrasive guitar almost in the Neil Young style. Vocals and harmonies too. Good track. "Zarliva Divka" is another good 60's sounding Pop tune with vocals. This is really good.

You've been warned but man this comes across like a greatest hit album because all the songs are so good.

Mellotron Storm | 4/5 | 2012-5-20

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Nokia uses Lumia 900 as a hammer in a torture test, makes us wince (video)

As much as we're familiar with mobile device torture tests, they're normally inflicted by us or otherwise not-so-voluntary. Nokia, however, has stepped up to the plate and doled out the abuse to the Lumia 900 itself with a hammer and nail, all based on a wager that the Windows Phone's use of Gorilla Glass would hold up to Sonim-level punishment. The company's Chris Ruble and Mike Meyers (not that Mike Myers) used a Lumia 710 as a dry run before an on-camera demo that not only saw the 900 assaulted with the hammer, but used as a blunt instrument itself -- all without a crack or scratch. We imagine that other toughened-glass phones would survive the hit, and there's every possibility that smacking the polycarbonate plastic would leave more than a scuff mark. Nokia's test still proves that its pride and joy can withstand more than just a casual roughing up, and you can see the slightly cringe-inducing test in the video below.

Continue reading Nokia uses Lumia 900 as a hammer in a torture test, makes us wince (video)

Nokia uses Lumia 900 as a hammer in a torture test, makes us wince (video) originally appeared on Engadget on Sun, 20 May 2012 04:48:00 EDT. Please see our terms for use of feeds.

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Alleged perpetrator of mass beheadings in Mexico arrested

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Debt-Management-for-Personal-Loans | TravelBuddies.us ? Travel ...

Debt Management for Personal Loans

Personal loans can offer individuals a way to have the funds for an array of uses. Some are necessary while others are for pure enjoyment. It is important that you consider the financial obligation that comes with personal loans. Too often, individuals access money quickly then struggle to repay it. If you don?t have a good budget in place you may find yourself unable to make the payments on your personal loan.

An area where many individuals get into trouble with personal loans is debt consolidation. Within a year most people who use personal loans for this find themselves in even worse financial shape. This is because they have not altered their spending habits any. The result is they charge their credit cards up to the limit and now have those payments to make again as well as a personal loan payment. They may soon find they are drowning in the swimming pool of debt.

Enrolling in a debt management plan may be a great alternative for you to help you meet your financial obligations. Most debt management plans involve working with your creditors to reduce interest rates as well as working with the individual to establish a realistic budget and work to change spending habits.

The first step in the process is to do some research on the debt management programs available. Find out how long they have been in business and check for any reports from customers with the Better Business Bureau. Once you have chosen one, call to discuss your situation with them and schedule an appointment. You will need to bring statements for all of your bills as well as verification of your income.

With a debt management counselor you will discuss your monthly obligations. They will work with your creditors to reduce the interest on your debt. This will reduce your monthly payments. You will then make one monthly payment to the debt management agency. They will then disburse the funds to your creditors. You will continue to get monthly statements from your creditors for your records.

It is important that you understand you can?t use any of your credit cards that you place into a debt management program. Keeping that in mind, you might want to choose one with a very small limit that you pay separately. You will avoid making any additional charges on that credit card unless it is an absolute emergency. You will want to discuss this with your debt management counselor.

Most creditors are willing to accept the terms of a debt management program because it shows you are accepting responsibility for your debt. They want to recoup the money you owe so this is a very realistic way for that to happen. Most debt management agencies have policies in place about missing payments. Generally, if you miss two payments in a row they will drop you from the program. It is important you notify the debt management agency if you are having difficulties with making a payment.

Obtaining credit is often too easy, yet repaying it can be a struggle you have for a large portion of your life. If your personal loans and other debt have spiraled out of control, contact a debt management program to see if they can help your situation.

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Merkel did not push Greece referendum idea: witness

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Solar Eclipses and Personal Relationships | How To Believe In Love ...

The May 2012 super moon!

This has been such a special month astronomically speaking!? First we had the super moon a few weeks ago, and today an annular solar eclipse is set to impress skywatchers around the world!

Don?t miss this one tomorrow, if you are in the western U.S. today.? It?s the first one since 1994!

Eclipses can bring vast changes, and the news they bring always comes from the outside in to you, so you usually have no control over what you hear or what happens.

Eclipses look for weak links in any situation or relationship to bring it to light.? They also shake us up, so that we can pull out of our rut and get moving again! ? They banish our hesitation, complacency, fear, and indecision, and fire up inspiration, desire, and determination!

All changes, even good ones, can bring on stress.? But stress can be good for us, which is why the universe provides it from time to time.?? Stress keeps us alert and moves us from one stage to the next, and always brings insight and maturity.?? Keep in mind that all eclipses are on a mission to illuminate truth, sometimes in a startling way.?? They move things forward very, very rapidly.

Here?s a quote from the Zodiac Arts site about eclipses:?

?All eclipses indicate change; solar eclipses signify beginnings and usually manifest as events in the outer world.

At solar eclipses we: begin something new, make promises to ourselves, commit, announce, present ourselves, show up, make plans, select events, make decisions, rise to the challenge, make an effort, change, mature, take on greater challenges, travel at a faster pace, feel restless, feel pressured by deadlines and a buildup of emotions, experience a crisis and feel excited.?

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Facts To Know Before Buying A House In Scotland

When you are in search of a property in Scotland, a few things need to be aware of so that is no hassle in buying the desired one. It is all the more needed because buying a house in Scotland is a bit different than buying a house in various other parts of UK. In fact, if you are getting relocated from England and Wales, buying can be quicker if it is north of the border, there are a few facts to be kept in mind while buying a house in Scotland.
Facts to know before buying a house in Scotland:
Before beginning the search for the house it is important to keep an Agreement in Principle for the mortgage, it is considered as confirmation that your lender is prepared to provide you a mortgage till a specific limit subject to conditions. This amount limit is based on your income just the way it is in other parts of UK. Without Agreement in Principle, any of your offers on property are not likely to be taken seriously.
In case of selling houses in England and Wales, the vendor may have to settle for a less price than the original asking price. According to the system in Scotland, the vendor sets a fixed price and invites the offers higher than this via secret bidding, a sealed bidding system. In other parts of UK this kind of secret bidding system is normally applicable for those properties which are very expensive or desirable.
According to the Scottish system, when your offer is accepted you come under an obligation immediately to buy that house and this is where the Agreement in Principle is needed. In Scotland, as soon as a vendor accepts the buyers offer he is committed to the deal and thereby the chance for the vendor accepting a higher offer for somebody else gets removed.
In buying or selling homes in Scotland, the solicitors play a big role and in most cases they act as a selling agent than an estate agent.
Like the other parts of UK purchase of house is much the same but when looking for properties what you have to pay minimum is the advertised price and in Scotland it is not the starting point for downwards bargaining.
As a buyer, as soon as you find a property to make an offer you need to appoint a solicitor who will contact the selling agent to ask "note interest". What you need to do after this is getting back to your lender and giving details of the property you intend to buy and finalise your mortgage application.
Before making an offer is it highly recommended that you make a survey of the property because as soon as you make an offer you get committed to buy the house and you need to get as much details as possible about its condition. Depending on the results of the survey you can decide how much to offer.

In Scottish system you might end up paying for surveys for more than one property as there is no guarantee that your offer will get accepted.
On receiving notification of interest from the buyers, the seller's solicitor announces a closing date which is the last date of receiving all offers. After this the vendor accepts the highest bid and from this point both the parties get committed.
When the offer is accepted, the solicitor of the buyer concludes the missive and on agreeing upon all the details of the sale the buyer becomes responsible for the house. Once the monies are transferred, the title deed is signed and vendor's solicitor legally transfers the ownership of the property to the buyer by handing over the keys as well as the "disposition document".

About the Author:
Rowan Saunders is a real estate advisor who has been in this field for fifteen years by now. He has a thorough knowledge of real estate market trend in UK and the latest developments in this field of Homes to Rent. He has written a number of articles and blogs on real estate market. His study helps us to understand the current real estate market scenario in UK.

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Italy bomb attack was probably isolated act: investigator

BRINDISI, Italy (Reuters) - The bomb attack which killed a teenaged girl and wounded 10 others in the southern Italian town of Brindisi was probably done by an individual with no links to the mafia, a senior official said on Sunday.

The attack on the Francesca Morvillo Falcone school, a vocational training institute offering courses in fashion, tourism and social services, has horrified Italy.

Thousands have taken to the streets in demonstrations of sympathy for the school and the family of Melissa Bassi, the teenager who died in the explosion.

"It seems to be the work of a single person," Marco Dinapoli, the Brindisi chief prosecutor who is leading the investigation, told reporters on Sunday. He said police already had an identikit of the suspect.

"The most probable hypothesis is that it was an isolated act," he said, but refused to give details about the person believed to have carried out the attack.

"At the moment, we don't understand what the motivation for this massacre might be," Dinapoli said, adding that no claim of responsibility had been received.

Early suspicions pointed at organized crime, largely because the school was named after the wife of murdered anti-mafia judge Giovanni Falcone and the attack took place days before the 20th anniversary of the couple's death in a bomb attack in Sicily.

However as the investigation has proceeded, the idea that either the Sicilian mafia or the local version known as the United Sacred Crown, might mount such a high profile attack has appeared increasingly unlikely.

"It seems improbable, not entirely to be excluded but improbable, that it is connected with mafia networks," he said, adding that repeat attacks on other schools appeared unlikely.

Dinapoli said investigators had acquired "significant" video evidence which suggested that one man had set off the device, which exploded as pupils at the school were getting off a bus and arriving for the start of lessons on Saturday morning.

He declined to describe the video evidence but said it showed a single individual activating a remote control of some kind to detonate a rudimentary bomb made up of three gas canisters hidden in a container outside the school gates.

MOURNING

In Brindisi, a quiet port town on Italy's Adriatic coast, there was a palpable feeling of shock, with businesses throughout the town carrying signs of mourning and anti-mafia messages still visible from a demonstration on Saturday.

Another girl, Veronica Capodieci, has been transferred to a hospital in the larger city of Lecce. She is still in serious condition, but the hospital reported on Sunday that she was stable, had regained consciousness, and was alert.

Whoever was behind it, the deadly attack on a school was a potent symbol for an ageing country grappling with economic decline and struggling to regain confidence in its future.

"What a terrible thing for that poor girl's family," said 63-year-old Donatella Rosario, sitting on a bench in the early morning sunshine. "You send your child to school and it's supposed to be safe. How can you live in a country where they kill our children?"

On Sunday, the pope added his commiserations to messages of sympathy from leaders including French President Francois Hollande, saying he was praying for "Melissa, the innocent victim of brutal violence and her family".

Italy's collective nerves were already on edge after a series of attacks on public institutions, including the main tax and debt collection agency which prompted Interior Minister Anna Maria Cancellieri to step up security at a series of key sites.

As the economic crisis has hit hard, most visibly through a series of high-profile suicides of struggling small businessmen, there have been fears of a return to the kind of violence seen during the 1970s "Years of Lead".

As well as the attacks on tax agency Equitalia, an anarchist group claimed responsibility for shooting the chief executive of nuclear engineering group Ansaldo Nucleare in the leg earlier this month.

(Additional reporting by Emilio Parodi.; Editing by Louise Ireland)

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2 arrested in murder of USC students from China

By Samantha Tata, NBCLosAngeles.com

Two young men?were arrested Friday in the killings of two Chinese graduate students, Ying Wu and Ming Qu,?who were shot to death near the University of Southern California campus last month, police said.

Handout / AFP - Getty Images

Arrests were made of two suspects in the killings of Ying Wu, left, and Ming Qu, two University of Southern California students from China who were slain April 11.

Forensic evidence found at the scene of the crime linked the double murder?to two attempted homicides in Los Angeles, leading to the arrest of two suspects,?LAPD?Chief Charlie Beck said Friday.

Bryan Barnes, 20, of Los Angeles, and Javier Bolden, 19, of Palmdale, are being held without bail in connection with the murders of the electrical engineering students from China, Beck said.

---

They have been booked for murder and are scheduled to be arraigned Tuesday.

See the original story at NBCLosAngeles.com

Mayor Antonio Villaraigosa and LAPD?Chief Charlie Beck joined detectives from the criminal gang homicide division for a news conference Friday night, announcing the arrests in the April 11 murders.

Detectives from the Bureau of Alcohol, Tobacco and Firearms and the FBI?worked on the case?with LAPD detectives.

"They left no stone unturned and spared no expense at the solving of this crime,"?Beck said. "People have the right to come this city from anywhere in the world ... without being phased by vicious criminals."

Javier and Barnes have minor records and are not documented gang members, but Beck said authorities believe they have gang affiliations.

The announcement comes one day after the victims' parents filed a wrongful death suit against the university seeking unspecified damages.

Wu and Qu, both electrical engineering students from China, were double parked in a BMW?sedan on Raymond Avenue south of Adams Boulevard late Wednesday, April 11, when a gunman fired at them.

Neighbors in the residential neighborhood, several blocks west of the USC campus, reported hearing shots fired.

The male student, Qu, escaped the car but was shot. He was found on the porch of a nearby residence, apparently seeking help from neighbors.

On April 13, police announced a $125,000 reward, which climbed to $200,000 after the LA?City Council unanimously approved an additional $75,000 reward.

Annual scholarships were established in honor of the students, USC President C.L. Max Nikias said at a campuswide memorial service in April.

Wu and Qu were among the largest foreign student body in the United States.

Nearly 9,000 foreign transplants chose USC?during the 2010-11 academic year, making the campus near downtown Los Angeles top in the nation for international students.

Between Fall 2009 and Spring 2010, enrollment by Chinese students jumped nearly 37 percent, according to that year's enrollment report.

More content from msnbc.com and NBC News:

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hotels cars: Home Based Business Opportunities Internet - Work At ...

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'Teen Mom' Amber 'hustling' after leaving jail

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