Saturday, January 26, 2013

By popular demand, Sony releases Jelly Bean alpha build for Xperia T

By popular demand, Sony releases Jelly Bean alpha build for Xperia T

Because the first time proved to be such a charm for Android developers, Sony's once again offering Xperia owners an official alpha ROM. And this time, it's of the Jelly Bean variety. But before you rush to the source and flash your cares away, there are a few caveats we need to cover. For starters, the price of entry to this Android 4.1 test run is an unlocked Xperia T. Not the TX, not the V, not the S, so don't even try it. You'll also have to sign away your legal right (via the company's unlock utility) to whine and demand compensation should your handset brick in the process. Once those hurdles have been cleared, you're almost home free to flash -- so long as you don't mind an unfinished UI, non-functioning radios for voice, WiFi, Bluetooth and NFC, in addition to a complete lack of Gapps. Oh, and did we mention your unlocked T won't be privy to the official Jelly Bean update once it hits? Yeah, there's that too. Basically, you shouldn't look to this for a daily driver. In fact, it's probably best to leave this one to the big boys.

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'Self-financing' and managing housing debt ? the interests of tenants ...

Download a PDF of this article here selffinancing

As a result of Swindon?s Housing ballot result, when 72% of tenants voted against selling off our homes, the Council maintained ownership of its housing stock and was thus one of the local authorities included in the new Housing Finance system ? ?self-financing?. The government closed down the national Housing Revenue Account and shared out the national ?housing debt? amongst all the local authorities that still own their housing. Swindon?s share of that ?debt? was deemed to be ?138.6 million. The Council had to pay it off in one lump sum on March 28th of this year. In order for it to be able to so, the government?s Public Works Loan Board (PWLB) lent the Council that sum so it could pay the government. Having handed over this money to the government the Council is in debt to the PWLB. However, the money it borrowed from the PWLB was not one loan. It borrowed 22 of them, of varying sizes, for varying periods (see attached document). The debt structure determines what interest you pay and when the loans themselves fall due for payment. This has an impact on what money is available and when, for maintaining and improving tenants? homes. Yet despite the importance of this decision the Council did not consult tenants at all on the structuring of the debt.

Then they decided on the amount of debt to ?pay? at the end of the first year of the new system. Once again there was no discussion with tenants. As we shall see the amount of debt they decided to ?pay? means that tenants will suffer an insufficient level of renewals of some of the key components of their homes. The Council has been making decisions which impact upon us, behind our backs and without our involvement.

A Despite the new system being introduced in April of this year there has been no serious discussion about it, what it means on a practical level and how the interests of tenants can be best served in the new circumstances. Tenants have been kept in the dark. It?s time to try and throw some light on the situation.

The debt structure which the Council decided on, without consulting us, appears to have been determined not by the interests of tenants but according to the interests of the Council and its General Fund. For instance, none of the 22 loans borrowed from the PWLB is payable until Year 11 (2023). The reason they decided that there would be no debt payable to the PWLB for the first 10 years was so that the Council could ?take advantage? of the cheaper loans the PWLB gave them for the ?one-off (housing) debt settlement?. The advantage for the Council is that instead of borrowing new money direct from the government they are proposing to transfer money from the Housing Revenue Account (HRA) to the General Fund (GF). Can they do that when the HRA is ?ring-fenced?, supposedly to stop our rents being used for non-housing purposes? Good question.

In order to ?take advantage? of our rent they decided (no discussion with us) that despite the fact that no debt repayment has to take place until 2023, the HRA would make a ?debt repayment? by way of an internal transfer between the HRA and the GF. By the use of an accountancy procedure the money would be shifted into the GF and deemed to be a ?debt repayment?. A ?minimum revenue payment? is registered, which would mark it down as a debt payment which would actually be paid at some unspecified date in the future. A Finance Manager described it as ?a set aside of cash to repay debt at some point?. The GF would take on responsibility for the debt and would pay the interest rate on the part of the debt which was transferred over from the HRA.

So, in the first year they decided (no discussion with us) that an ?8 million ?debt payment? would be transferred into the GF. This would save the HRA interest payments of ?250,000 a year. So the tenants? benefit out of this accountancy procedure then? Yes and no. Yes, insofar as the HRA has to pay ?250,000 interest a year less than it would otherwise do. However, the high level of ?debt repayment? means that tenants lose out big style.

To understand why we have to look at how the new system operates. When it is called ?self-financing? it means it literally. The end of the national Housing Finance system meant that all the Councils have been set adrift on their own. There are no more grants like the Major Repairs Allowance. We have only the money which is collected in from tenants? rents, service charges and one or two minor items.

Having been given the ?138.6 million debt we have to pay the interest on these loans and the loans themselves from the surplus which the Housing Revenue Account makes each year ? the income from rents etc, minus the expenditure on repairs and maintenance, management costs and so on. The surplus this year is expected to be ?19.1 million.

The interest we pay on the ?138.6 million is just over ?4.5 million a year. Housing debt which predated this has an interest payment of ?477,900. Added together this is as near as matters ?5 million a year. How much debt you pay off and when, is a question for discussion (or it should be). The Council decided that ?8 million ?debt repayment? would be made in the first year, leave aside the fact that this isn?t a real debt repayment for the moment, so that has to come out of the surplus as well as the interest payment.

The amount of debt ?paid? will determine how much money you have for the upkeep of the housing stock. This is graphically shown when we look at the amount of work projected for next year. Take the example of bathroom and kitchen renewals. The Council is proposing a miserable 150 renewals of each in 2013/14. You may recall that at the time of the ballot tenants were told that so dire was the situation because of the debt which the Council was going to be given by the government that they could ?only afford? to do 150 bathroom and kitchen renewals a year, for the first ten years. Swindon Tenants Campaign Group never believed this to be true. But we were never given the 30 year ?business plan? which was the Council?s projections for continued ownership if the tenants voted against transfer, so we had no idea about the ?debt payments?.

Now we discover that the reason why they can only ?afford? to do 150 bathrooms and 150 kitchens is precisely because they are proposing to ?pay? ?8 million debt (in reality an internal transfer). If, on the other hand ?5 million was ?paid?, that would mean there would be ?3 million extra for our homes. So for 2013/14 the budget for Kitchen modernisation is ?672,000 and for Bathroom modernisation is ?465,000. If you scaled those up to 450 of each the budgets would be ?2,016,000 and ?1,395,000. The increase in spending for the kitchens would be ?1,344,000 and ?930,000 for bathrooms, or ?2,274,000 and you would still have ?726,000 to spend on other things from the extra ?3 million. It would also be possible to pay no debt and this would mean an extra ?8 million was available for work on our homes. There is in fact no need to pay the loans in the early years though whether or not you do is a matter of judgement which requires a discussion on the various elements of the finances.

So the Council is proposing a ?debt repayment? which is counter to the interests of tenants and would inevitably lead to a deterioration in the stock , building up a backlog of work. A lower level of renewals will mean a higher number of repairs, wasting money. So the ?debt management strategy? which they have decided on without any discussion whatsoever with tenants means that the interests of tenants are being sacrificed in the interests of the Council?s administration for the benefit of the General Fund.

Although the decision on the ?8 million ?debt repayment? was made earlier in the year, in fact it does not fall due until the end of this financial year. Since it has not yet been made then there is time for the decision to be reversed or amended. The Council has an obligation to consult with tenants and it did not. This unilateral decision was out of order, completely unacceptable.

Another curious thing about the debt structure is that at the time of the ballot we were told that the debt had to be paid off over 30 years. In fact there is no obligation to pay off the debt at all. As a Finance Manager said to me, you could decide not to pay it off so long as you were happy to carry on paying the interest. Whether that would be wise is another matter. As it happens the Council has actually borrowed money for 40 years (no discussion with us). Some ?29 million falls due after 30 years. We don?t know why they decided to borrow it for that long. Whatever the reason their decision means that tenants will have to pay more money through their rent than they would have if the loans were over 30 years because the longer the borrowing is for then the higher the rate of interest.

How you manage this debt is infinitely variable. You might decide to pay it off in 30 years or 40 years. If you were to pay it off in equal instalments it would require ?5 million a year over 30 years (the overall debt is ?150 million since there was nearly ?12 million ?outstanding debt?), or it could be paid off over ?40 years which would be an equal payment of ?3.75 million a year, which would leave even more money for work on the stock. As you can see there are any number of variants of how you deal with this debt. The key question for us is what is in the best interests of existing and future tenants. However, this is a question which the Council has ignored because it has made a decision on the basis of its interests and not ours.

Whatever the technicalities involved in this discussion there is a very simple principle on which it must be based. It is the responsibility of the Council to maintain and improve the housing stock . It should not be determining ?debt management strategy? such that the stock deteriorates.

Certainly the Council should be neither deciding on debt structure nor debt repayment without the involvement of tenants in meaningful discussion. What this sorry situation underlines is the need for a Housing Finance Committee to? set up to discuss debt management strategy and to have an oversight of the finances as they develop through the course of each year, so that, for instance, any money programmed but not spent is utilised elsewhere. For instance, because of the welfare ?reforms? an extra 120 voids have been added into the programme, in the expectation of more people asking for moves. However, evidence is that barely any of those facing the ?bedroom tax? are requesting to move. If this remains the case throughout the year then this money can be used for other things.

We also need to discuss the relationship between the ?ring-fenced? HRA and the GF. One of the intentions of the ?self-financing? system was to move to a situation where all housing debt was kept in the? HRA so that there was transparency and it was clear that no rent money was used for non-housing purposes and visa versa. Whilst there is no illegality in relation to the transfer of money from the HRA for the purposes of ?debt payment?, it is highly dubious because as currently proposed the action is directed at benefiting the GF to the detriment of the tenants and the housing stock. The GF is saving money at our expense.

One final thing which needs emphasising is this. The housing debt will be paid for by the tenants, not by the GF or the Council Tax. It was the price we paid for being able to keep all the rent which our tenants pay when the old Housing Revenue system was ended. Whatever ?debt repayments? are made, be they to the PWLB, or internal transfers to the GF, they only have any legitimacy if the strategy serves the interests of tenants and helps to improve our housing stock. Our rent is for the benefit of tenants it is not for the convenience of the Council or the GF. Moreover the Council should not be deciding how to use it without discussing with tenants. It is after all our living conditions that are positively or adversely affected by ?debt management strategy?.

Martin Wicks

Secretary, Swindon Tenants Campaign Group

January 20th 2013

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Source: http://martinwicks.wordpress.com/2013/01/25/self-financing-and-managing-housing-debt-the-interests-of-tenants-come-first/

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Choose the Best Health Insurance Plan for You ... - Limerick Patch

Selecting a health care plan can be an overwhelming task, because the options and coverages can be seemingly endless. Which insurance company should you choose? How much of a deductible should you opt for? Is your current doctor "in network?"

Which is better, a PPO (Preferred Provider Organization) or HMO (Health Maintenance Organization)? Consumer Reports has a guide to help you understand the different "managed care" options available, and to choose the best one for you. The features and differences are many. For example, if you don't want to have to worry about referrals and finding providers "in network," you may want to choose a PPO. With an HMO you might have to pay the full cost to see a provider out-of-network.

Consider a plan's deductible, the minimum amount you'll be responsible for paying before the insurance coverage kicks in. Because the lower the deductible, the higher your premium will be, if you're in good health and have few regular medical expenses, you may want to opt for an insurance plan with a higher deductible.

Next, think about co-pays, the costs you share with the insurance company. You may be responsible for a set amount, say $15, for an office visit, and $100 for a trip to the emergency room. Insurance plans also often have co-insurance, where you'll share an 80/20 or 90/10 or similar agreement with the insurance company. They'll pay 80 percent of the bill, and you'll be responsible for the balance, up to your out-of-pocket maximum, after which insurance should pick up 100 percent of the bill. The higher your out-of-pocket maximum is, the lower your premiums will be. You should weigh this aspect of each plan carefully.

Beware cheap health insurance. Of course, you want to snag the best deal possible, and pay the least amount in monthly premiums. Fully understand the plan and all of its benefits and limits before you agree to a plan. Ask questions and take notes to compare, if you have to. Check Standard & Poors insurance ratings, and try to choose a plan with a company which has an "A" or higher rating. Watch out for things like "no major medical," "guaranteed acceptance," and discounts up to a certain amount. These can be red flags for "junk" insurance plans.

Buy what you need. Don't get roped in to paying more for extended plans or extra benefits that won't actually benefit you that much. Conversely, don't get caught without the coverage you will need. Does the plan you're considering cover hospital stays and prescription drugs? The plan you choose should cover both, as well as outpatient treatments, emergency services, lab work and imaging, preventive care, mental health, substance abuse, rehabilitation services and maternity care (if you're a female of childbearing age).

Know the difference between a discount plan and insurance plan. For a discount plan, you'll pay a monthly fee for a card that may entitle you to discounts from certain providers. These are not intended to be a substitute for a full health insurance plan, and many are scams that won't actually offer you much for your investment. Consumer Reports recommends familiarizing yourself with the Federal Trade Commission's Consumer Information article about the difference between discount plans and health insurance.

Insurance plans, other than Medicare, must now provide a standard Summary of Benefits and Coverage form, detailing deductibles, co-insurance, co-pays, benefits and limitations. Use this form to help you compare different plans.

Share your thoughts and experience about shopping for insurance coverage?below in the comments.

Source: http://limerick.patch.com/articles/choose-the-best-health-insurance-plan-for-you

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Thursday, January 17, 2013

Desert drama: Islamists take hostages in Algeria

ALGIERS, Algeria (AP) ? In a desert standoff deep in the Sahara, the Algerian army ringed a natural gas complex where Islamist militants hunkered down with dozens of hostages Wednesday night after a rare attack that appeared to be the first violent shock wave from the French intervention in Mali.

A militant group that claimed responsibility said 41 foreigners, including seven Americans, were being held after the assault on one of oil-rich Algeria's energy facilities, 800 miles from the capital of Algiers and 1,000 miles (1,600 kilometers) from the coast. Two foreigners were killed.

The group claiming responsibility said the attack was in revenge for Algeria's support of France's military operation against al-Qaida-linked rebels in neighboring Mali. The U.S. defense secretary called it a "terrorist act."

The militants appeared to have no escape, with troops surrounding the complex and army helicopters clattering overhead.

The group ? called Katibat Moulathamine or the Masked Brigade ? phoned a Mauritanian news outlet to say one of its affiliates had carried out the operation at the Ain Amenas gas field, and that France should end its intervention in Mali to ensure the safety of the hostages.

BP, the Norwegian company Statoil and the Algerian state oil company Sonatrach, operate the gas field. A Japanese company, JGC Corp, provides services for the facility as well.

In Rome, U.S. Defense Secretary Leon Panetta declared that the U.S. "will take all necessary and proper steps" to deal with the attack in Algeria. He would not detail what such steps might be but condemned the action as "terrorist attack" and likened it to al-Qaida activities in Pakistan, Afghanistan and in the United States on Sept. 11, 2001.

Algeria's top security official, Interior Minister Daho Ould Kabila, said that "security forces have surrounded the area and cornered the terrorists, who are in one wing of the complex's living quarters."

He said one Briton and one Algerian were killed in the attack, while a Norwegian and two other Britons were among the six wounded.

"We reject all negotiations with the group, which is holding some 20 hostages from several nationalities," Kabila said on national television, raising the specter of a possible armed assault to try to free the hostages.

The head of a catering company working on the base told the French Journal de Dimanche that helicopters were flying over the complex and the army waited outside. There were even reports of clashes between the two sides and a member of the militant group told the Mauritanian news outlet the Islamists had already repelled one assault by Algerian soldiers late Wednesday night.

It was not immediately possible to account for the discrepancies in the number of reported hostages. Their identities also were not clear, but Ireland announced that they included a 36-year-old married Irish man. Japan, Britain and the U.S. said their citizens were taken. A Norwegian woman said her husband called her saying that he had been taken hostage.

Hundreds of Algerians work at the plant and were also captured in the attack, but the Algerian state news agency reported they were gradually released unharmed Wednesday.

The Algerian minister said it seemed the militants were hoping to negotiate their departure from the area ? a notion he rejected. He also dismissed theories that the militants had come from Libya, a mere 60 miles (100 kilometers) away, or from Mali, more than 600 miles (1,000 kilometers) away.

Kabila said the roughly 20 well armed gunmen were from Algeria itself, operating under orders from Moktar Belmoktar, al-Qaida's strongman in the Sahara.

In Washington, U.S. State Department spokeswoman Victoria Nuland confirmed that "U.S. citizens were among the hostages."

The caller to the Nouakchott Information Agency, which often carries announcements from extremist groups, said the kidnapping was carried out by "Those Who Signed in Blood," a group created to attack countries participating in the offensive against Islamist groups in Mali.

The Masked Brigade was formed by Belmoktar, a one-eyed Algerian who recently declared he was leaving the terror network's Algerian branch, al-Qaida in the Islamic Maghreb, to create his own group. He said at the time he would still maintain ties with the central organization based in Afghanistan and Pakistan.

The name of his group could be a reference to the nomadic Tuareg inhabitants of the Sahara, known for masking their faces with blue veils.

A close associate of Belmoktar blamed the West for France's recent air and ground intervention against Islamist fighters in Mali.

"It's the United Nations that gave the green light to this intervention and all Western countries are now going to pay a price. We are now globalizing our conflict," Oumar Ould Hamaha told The Associated Press by telephone Wednesday night from an undisclosed location.

French President Francois Hollande launched the surprise operation in Mali, a former French colony in West Africa, on Friday, hoping to stop the al-Qaida-linked and other Islamist extremists whom he believes pose a danger to the world.

Further kidnappings could well be on the horizon, warned Sajjan Gohel, the international security director for the Asia-Pacific Foundation.

"The chances are that this may not be a one-off event, that there could be other attempts in Africa ? especially north and western Africa ? to directly target foreign interests," he said. "It's unclear as to what fate these individuals may meet, whether these terrorists are going to want a ransom or whether they'll utilize this for propaganda purposes."

Wednesday's attack in Algeria began with an ambush on a bus carrying employees from the massive gas plant to the nearby airport but the attackers were driven off, according to the Algerian government, which said three vehicles of heavily armed men were involved.

"After their failed attempt, the terrorist group headed to the complex's living quarters and took a number of workers with foreign nationalities hostage," the government said in a statement.

Attacks on oil-rich Algeria's hydrocarbon facilities are very rare, despite decades of fighting an Islamist insurgency, mostly in northern Algeria.

In the last several years, however, al-Qaida's influence in the poorly patrolled desert of southern Algeria and northern Mali and Niger has grown and the group operates smuggling and kidnapping networks throughout the area. Militant groups that seized control of a vast section of northern Mali last year already hold seven French hostages as well as four Algerian diplomats.

Prime Minister David Cameron's office said "several British nationals" were involved, while Japanese news agencies, citing unnamed government officials, said there are three Japanese hostages.

Late Wednesday, Statoil said five employees ?four Norwegians and a Canadian ? were safe at an Algerian military camp and two of them had suffered minor injuries. It said 12 employees were unaccounted for.

The Norwegian newspaper Bergens Tidende said a 55-year-old Norwegian working on the site called his wife to say he had been abducted.

Algeria had long warned against any military intervention against the rebels in northern Mali, fearing the violence could spill over its own long and porous border. Though its position softened slightly after Hollande visited Algiers in December, Algerian authorities remain skeptical about the operation and worried about its consequences on the region.

Algeria, Africa's biggest country, has been an ally of the U.S. and France in fighting terrorism for years. But its relationship with France has been fraught with lingering resentment over colonialism and the bloody war for independence that left Algeria a free country 50 years ago.

Algeria's strong security forces have struggled for years against Islamist extremists, and have in recent years managed to nearly snuff out violence by al-Qaida in the Islamic Maghreb around its home base in northern Algeria. In the meantime, AQIM moved its focus southward.

AQIM has made tens of millions of dollars off kidnapping in the region, abducting Algerian businessmen or politicians, and sometimes foreigners, for ransom.

_____

Paul Schemm reported from Rabat, Morocco. Associated Press writers Mari Yamaguchi in Tokyo, Rukmini Callimachi in Bamako, Mali, Bradley Klapper in Washington, Jill Lawless in London, Elaine Ganely in Paris, Jan Olsen in Copenhagen, Denmark, and Shawn Pogatchnik in Dublin contributed to this report.

Source: http://news.yahoo.com/desert-drama-islamists-hostages-algeria-005242999--finance.html

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Sunday, January 13, 2013

South Africa Welcomes Newest Boutique Hotel | Travel News from ...

maslow-Lounge.jpg

Listen up. South Africa has a new boutique hotel. Located in Sandton, South Africa, the Maslow Hotel opened last week in the former Southern Sun Grayston Hotel, which shuttered in December of 2011 to kick off the top-to-bottom renovations.

While catering to business travelers, there?s a bit of an intellectual-artsy twist at Maslow: the hotel?s name is inspired by psychologist Abraham Maslow, best known for his theory on the hierarchy of needs (translating, in this case, to indulgences). Guests of the 281-room site have access to free high-speed internet, a space called the Incubator designed for creative workshops and activities, and Africology Spa (named for the South Africa-based skincare brand, whose products are folded into treatments like wraps, scrubs, massages, and facials). For travelers struggling to acclimate after a long flight or many hours spent indoors, the spa offers oxygen therapy. In each room is a "media hub" that allows you to listen to your favorite tunes via a docking station or kick back and watch programming on a 40-inch flat-screen television. Each of the 12 meeting rooms is named for a 19th century entrepreneur.

At the Wayfarer Lounge travelers can tap away on their laptops while relaxing in a low-key, monochromatic environment (think charcoal and a milk chocolate hues) and summon a waiter to bring food and drink. Lacuna Bistro & Bar, with views of the pool and garden from most tables, specializes in global tapas and innovative pasta dishes, many of which are prepared using locally grown fruits and vegetables. One of executive chef Dallas Orr?s creations is the Leopard Tiramisu (coffee biscuit, mascarpone, and chocolate). A wine cellar caters to those who love to play around with food and wine pairings with their lunch and dinner. (If wine's not your thing, there are also beer and whiskey menus available.) Breakfast specialties include blueberry pancakes and eggs Benedict.

Kristine Hansen is a freelance writer based in Milwaukee where she reports on food, wine, and travel topics around the globe for Fodors.com, along with new-hotel openings. She also writes for Wine Enthusiast, TIME, Whole Living, and American Way. In 2006 she co-authored The Complete Idiot's Guide to Coffee and Tea (Alpha Books/Penguin). You can follow her on Twitter @kristineahansen or through her web site.

Photos courtesy of Maslow Hotel

Source: http://www.fodors.com/news/south-africa-welcomes-newest-boutique-hotel-6317.html

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Video: Flu hits hard in 27 states

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Source: http://video.msnbc.msn.com/newsnation/50435622/

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