A Loan Can Give You A Hand Up - Naijarita Information

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Source: http://www.naijarita.com/finance-informations/a-loan-can-give-you-a-hand-up.html

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Colorado gets members-only clubs for legal pot use

Rachel Schaefer of Denver smokes marijuana on the official opening night of Club 64, a marijuana-specific social club, where a New Year's Eve party was held, in Denver, Monday Dec. 31, 2012. On Election Day, Nov. 6, 2012, a plurality of Coloradans voted in favor of Proposition 64 to legalize recreational marijuana. (AP Photo/Brennan Linsley)

Rachel Schaefer of Denver smokes marijuana on the official opening night of Club 64, a marijuana-specific social club, where a New Year's Eve party was held, in Denver, Monday Dec. 31, 2012. On Election Day, Nov. 6, 2012, a plurality of Coloradans voted in favor of Proposition 64 to legalize recreational marijuana. (AP Photo/Brennan Linsley)

A man smokes marijuana on the official opening night of Club 64, a marijuana-specific social club, where a New Year's Eve party was held, in Denver, Monday Dec. 31, 2012. On Election Day, Nov. 6, 2012, a plurality of Coloradans voted in favor of Proposition 64 to legalize recreational marijuana. (AP Photo/Brennan Linsley)

A man smokes marijuana on the official opening night of Club 64, a marijuana-specific social club, where a New Year's Eve party was held, in Denver, Monday Dec. 31, 2012. On Election Day, Nov. 6, 2012, a plurality of Coloradans voted in favor of Proposition 64 to legalize recreational marijuana. (AP Photo/Brennan Linsley)

A joint is passed around on the official opening night of Club 64, a marijuana-specific social club, where a New Year's Eve party was held, in Denver, Monday Dec. 31, 2012. On Election Day, Nov. 6, 2012, a plurality of Coloradans voted in favor of Proposition 64 to legalize recreational marijuana. (AP Photo/Brennan Linsley)

DENVER (AP) ? With reggae music pumping in the background and flashing disco-style lights, members of the recreational pot club lit up in celebration of the new year ? and a new place to smoke legally among friends.

Club 64, in an industrial area just north of downtown Denver, opened at 4:20 p.m. on Monday, with some 200 people signed up. The opening came less than 24 hours after organizers announced they would charge a $29.99 admission price for the bring-your-own pot club.

"Look at this!" Chloe Villano exclaimed as the club she created over the weekend opened. "We were so scared because we didn't want it to be crazy. But this is crazy! People want this."

The private pot dens popped up less than a month after Colorado's governor signed into law a constitutional amendment allowing recreational pot use. Club 64 gets its name from the number of the amendment.

Two Colorado clubs were believed to be the first legal pot dens in the nation. The Denver Post reported that a similar pot club opened earlier Monday in the small southern Colorado town of Del Norte.

Colorado's marijuana amendment prohibits public consumption, and smoke-free laws also appear to ban indoor smokeouts. But Club 64 attorney Robert Corry said private pot dens are permissible because marijuana isn't sold, nor is it food or drink.

Villano, the club owner, said the pot club would meet monthly at different locations, with the $29.99 membership fee good for only one event. On Monday, the pot club was meeting in a hemp-based clothing store near downtown. Hooded sweatshirts and backpacks were shoved to a corner. In the main area, a few small tables sat next to a screen showing "The Big Lebowski."

A bar decorated with blue Christmas lights handed out sodas and Club 64's official snacks ? Goldfish and Cheetos. The snacks were inspired by Colorado Gov. John Hickenlooper, who warned marijuana users the night of the marijuana vote, "don't break out the Cheetos or Goldfish too quickly."

Corry said the pot clubs are intended for people who can't use marijuana at home because of local ordinance or because their landlords threaten eviction.

"It's just a place for adults to exercise their constitutional rights together," Corry said. "We're not selling pot here."

Among the new Club 64 members planning to ring in the New Year was Joe Valenciano of Denver. He heard about Club 64 a day ago and signed up immediately.

"We need more clubs like this," Valenciano said.

___

Find Kristen Wyatt at http://www.twitter.com/APkristenwyatt

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/386c25518f464186bf7a2ac026580ce7/Article_2013-01-01-Marijuana%20Clubs/id-26c8e86d9b6f4f9c9724effb4ff0bb3b

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Amazon gets Apple's false advertising claim dismissed from trademark infringement lawsuit

It's been awhile since we last had news from Apple's App Store-based trademark infringement lawsuit against Amazon. Today, Amazon got Apple's claim for false advertising dismissed from that very same case after filing for partial summary judgement. In finding for Amazon, the judge held that Apple failed to identify a single false statement (expressly stated or implied) that Amazon made about the nature, characteristics, or quality of the Amazon Appstore that would deceive customers into thinking it was the same as the Apple App Store -- a legal requirement to establish false advertising under federal law. Not a bad way for Bezos to ring in the new year, eh?

Filed under: Cellphones, Software, Mobile, Apple, Amazon

Comments

Via: Bloomberg

Source: Court Order [PDF]

Source: http://www.engadget.com/2013/01/02/amazon-gets-apples-false-advertising-claim-dismissed-from-trade/

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Coaching The Coach > Free Business Ebook - Free-Ebooks-Canada

Free Business ebook ?Coaching The Coach? covers Coaching Basics, Build Your Own Confidence First, Choosing A Niche, Do You Need Certification, Setting Fees, Getting Clients, Using A Trial Session and Teaching Others To Be A Coach. Personal Use. Click ?Coaching The Coach? to download (383 KB pdf) or view this free Business ebook.

Source: http://free-ebooks-canada.com/?p=6307

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Details of tentative deal averting 'fiscal cliff'

Highlights of a tentative agreement Monday between the White House and Senate Minority Leader Mitch McConnell, R-Ky., aimed at averting wide tax increases and budget cuts scheduled to take effect in the new year. The measure would raise taxes by about $600 billion over 10 years compared with tax policies that expire at midnight Monday. Still unresolved is how to avert across-the-board spending cuts set to begin slashing the budgets of the Pentagon and numerous domestic agencies.

Highlights include:

?Income tax rates: Extends decade-old tax cuts on incomes up to $400,000 for individuals, $450,000 for couples. Earnings above those amounts would be taxed at a rate of 39.6 percent, up from the current 35 percent. Extends Clinton-era caps on itemized deductions and the phase-out of the personal exemption for individuals making more than $250,000 and couples earning more than $300,000.

?Estate tax: Estates would be taxed at a top rate of 40 percent, with the first $5 million in value exempted for individual estates and $10 million for family estates. In 2012, such estates were subject to a top rate of 35 percent.

?Capital gains, dividends: Taxes on capital gains and dividend income exceeding $400,000 for individuals and $450,000 for families would increase from 15 percent to 20 percent.

?Alternative minimum tax: Permanently addresses the alternative minimum tax and indexes it for inflation to prevent nearly 30 million middle- and upper-middle income taxpayers from being hit with higher tax bills averaging almost $3,000. The tax was originally designed to ensure that the wealthy did not avoid owing taxes by using loopholes.

?Other tax changes: Extends for five years Obama-sought expansions of the child tax credit, earned income tax credit, and an up to $2,500 tax credit for college tuition. Also extends for one year accelerated "bonus" depreciation of business investments in new property and equipment, a tax credit for research and development costs and a tax credit for renewable energy such as wind-generated electricity.

?Unemployment benefits: Extends jobless benefits for the long-term unemployed for one year.

?Cuts in Medicare reimbursements to doctors: Blocks a 27 percent cut in Medicare payments to doctors for one year. The cut is the product of an obsolete 1997 budget formula.

?Social Security payroll tax cut: Allows a 2 percentage point cut in the payroll tax first enacted two years ago to lapse, which restores the payroll tax to 6.2 percent.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/386c25518f464186bf7a2ac026580ce7/Article_2012-12-31-US-Fiscal-Cliff-Glance/id-aa3a54b8898f48a7a50c8716b1f96c88

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LIVE: Final Day Before The Fiscal Cliff - Business Insider

After a LONG day, the Senate has overwhelmingly voted to approve a Fiscal Cliff deal, sending legislation for final approval in the House.

There was a little nervousness this evening that liberals might not be on board the deal, but the bill passed easily 89-8.

The basic gist is: taxes will rise for individuals making $400K or more and families making $450K or more.

These thresholds are higher than Democrats would like, but Democrats are getting an Unemployment Insurance extension, as well as an extension of other credits.

There is also a permanent fix to the Alternative Minimum Tax indexing.

As for the "sequester" that will be delayed for two months.

This part is infuriating conservatives, who see the spending cuts delayed once again, while taxes rise on many Americans (even though the income taxes will stay low for most taxpayers, payroll taxes will rise).

11:07 AM | The Senate is back in session...

11:09 AM | Harry Reid: Negotiations Are Continuing As We Speak, Still Issues To Be Resolved

Senate Majority Leader Harry Reid took the floor briefly to inform lawmakers that negotiations are still ongoing, but that they don't have anything to vote on yet.?

"There are still some issues that need to be resolved before we can bring legislation to the floor," Reid said. "Negotiations are continuing as we speak."?

"We really are running out of time," he added. "Americans are threatened with a tax hike in a few hours."

11:23 AM | Sen. Tom Harkin (D-ID) just blasted Democrats for giving up the farm on the fiscal cliff.

Harkin, a staunch liberal, took the Senate floor after Reid, and blasted his party for making too many concessions on the fiscal cliff ? specifically by raising the threshold for extending the Bush tax cuts to $450,000, up from the $250,000 that President Barack Obama campaigned on.?

"This looks like a very bad deal."?

Harkin's sentiments have been echoed by many Democrats, who are frustrated with last night's developments. After talks failed in the Senate yesterday, fiscal cliff negotiations turned into a backroom affair between Senate Minority Leader Mitch McConnell and Vice President Joe Biden. According to reports, Biden also agreed to concede to Republican demands on the estate tax, in addition to agreeing to raise the income threshold for the Bush tax cuts.?

12:04 PM | Everyone is saying that Obama got rolled on fiscal cliff talks.

Washington Post blogger Ezra Klein has a pretty brutal takedown of the White House's leadership on the fiscal cliff. The gist of his argument is that while Obama entered the fiscal cliff negotiations with the apparent advantage, he has caved every step of the way.?

Here's the key passage:?

The Republicans plan to say that now that they broke their pledge and voted for a tax increase, they?ll insist on a dollar of spending cuts for every dollar of debt-ceiling increase ? the so-called ?Boehner rule?. The White House plans to insist that it won?t negotiate over the debt ceiling at all.

Republicans I?ve spoken to laugh at this bluster. Obama is already negotiating over the debt ceiling, they point out. He began the fiscal cliff negotiations by saying he wanted a permanent solution to the debt ceiling. Then it was a two-year increase in the debt limit. Now he?s going to sign off on a mini-deal that doesn?t increase the debt ceiling at all. Does that really sound like someone who?s going to hold firm when faced with global economic chaos? The White House always talks tough at the beginning of negotiations and then always folds at the end. Republicans are confident that the debt ceiling will be no different.

Slate blogger Matt Yglesias has a similar take here. The White House, Ygelesias argues, lost any credibility it had by putting the debt ceiling on the table despite insisting that Obama wouldn't negotiate on raising the debt limit. Even worse, by including the debt ceiling in a "grand bargain" package delayed until 2015 , the Obama White House is actually institutionalizing the practice of negotiating on the debt ceiling.?

12:27 PM | There are reports a deal is emerging, but there's major Democrat drama over the sequester

The AP reports that a deal could be imminent, but that both sides are still at odds over how to deal with the sequester,?the package of dramatic budget cuts scheduled to go into effect at midnight.?

According to the AP, the deal would include returning tax rates for households earning over $450,000 to 39 percent, the same rate that they were under President Bill Clinton. The deal would also extend unemployment benefits and raise the tax on estates over $5 million from 35% to 40%.?

But Republicans are pushing for the fiscal cliff deal to include a three month delay of the sequester, and want to use the Chained CPI to offset the cuts. Democrats want to push back the sequester until 2015, and use new revenues to pay for the cuts.?

CNN reporter Dana Bash tweets that Democrats are pushing hard against Republican demands, and are now?saying they will block any bill that includes a three-month delay, part of a ploy to keep Vice President Joe Biden from agreeing to the measure.?

12:42 PM | Obama to speak at the White House at 1:30 p.m.

The White House just announced that President Obama will speak in the South Court Auditorium at 1:30 p.m.?

According to the schedule update, Obama will "deliver remarks at an event with middle class Americans," so it doesn't sound like he will be announcing a deal, although reports indicate that a deal is imminent.?

We'll be liveblogging Obama's announcement here >?

1:19 PM | REPORT: The two sides have reached an agreement on tax rates

CNBC and other news outlets are reporting that the two sides have reached an agreement on the threshold for extending the Bush tax cuts.?

Sam Stein and Ryan Grim have more details on the emerging deal here. Here are some of the key elements, according to their report:

1. The Bush-era tax cuts will be extended permanently to 39.6 percent for individuals earning more than $400,000 and households earning more than $450,000.?That same threshold would be applied for capital gains and dividends, with the top rate going up to 20 percent.?Estimated revenue: $370 billion over 10 years.?

2. ?The estate tax will go up slightly for estates over $5 million, from 35 percent to 40 percent. Estimated revenue: $25 billion in revenue over 10 years.?

3. Personal tax exemptions would be capped at $375,000 for individuals and $425,000 for households. Itemized deductions would be capped at $250,000 and $300,000 respectively. Estimated revenue: $185 billion over 10 years.?

4. A permanent patch in the alternative minimum tax (AMT) and a five-year extension of stimulus tax policies.?

The main sticking point is still what to do about the sequester. Stein and Grim report that both sides are still negotiating the cost of an extension of unemployment benefits and how to pay for a one-year resolution to postpone changes in Medicare payments to doctors.?

1:40 PM | Sen. John Cornyn, the Senate GOP's No. 2, tweets that Republicans have delayed a 2 p.m. meeting to discuss the latest cliff negotiations.

2:02 PM | Republicans aren't too pleased with Obama's political grandstanding...

Here's a tweet from Doug Heye, an aide to Republican House Majority Leader Eric Cantor:?

2:08 PM | Reports say Senate Democrats are rebelling against the deal

BuzzFeed reporter Rebecca Berg tweets that Democratic sources say liberal Senators, including Al Franken, Sherrod Brown, and others, marched into Senate Majority Leader Harry Reid's office this afternoon to voice their dissatisfaction with the deal.?

2:28 PM | Sen. John McCain is ripping into Obama for his fiscal cliff speech.

Just minutes after Obama's remarks, McCain launched into an epic rant on the Senate floor, slamming the President for not taking the fiscal cliff seriously.

"It's time to stop the cheerleading, it's time to stop the campaigning ? the President won," McCain said, slamming his podium for emphasis. "Isn't it time to govern?"?

Obama, McCain said, "laughs and jokes and ridicules Republicans. Why?"?

"That's not the way presidents should lead!"

2:50 PM | MCCONNELL: "We are very, very close" to a deal

Speaking on the Senate floor, Senate Minority Leader Mitch McConnell says that both sides are "very, very close" to a deal, and that both sides have reached an agreement on the threshold for raising income taxes.?

McConnell urged the Senate to move forward with the deal on taxes, while both sides continue negotiating on a deal to cut spending and avoid the sequester.

"Let's pass the tax relief portion now," McConnell said. "Let's take what's been agreed to and keep moving."?

"We?ll continue to work on finding smarter ways to cut spending but let?s not let that hold up protecting Americans" from tax hikes, he said.?

3:14 PM | Markets are surging after McConnell's announcement.

4:01 PM | It's official: We're going over the cliff

House Majority Leader Eric Cantor's office just announced that no vote will be held tonight on the fiscal cliff.?

The House GOP conference will reportedly meet at 5 p.m.?

4:28 PM | DEM DRAMA: Fox News is reporting that Harry Reid hasn't signed off on the revenue deal

Fox News reporter Chad Pergram tweets:?

4:32 PM | Now Republican aides are saying a vote could still happen...

Several House Republican aides are now saying that a vote could still happen tonight, despite Cantor's announcement. Republican sources say members are being told to stay near the Capitol in case of a last-minute fiscal cliff vote.?

While it remains unlikely that a vote will be held tonight, it's worth noting that Republican House leaders moved Sunday to give themselves expedited authority to bring a vote to the floor in the event that the Senate passes a fiscal cliff bill Monday evening.

6:05 PM | Some Senators are still holding out hope for a vote tonight, but it doesn't look good...

Arizona Republican Sens. John McCain and John Kyl told reporters that Senate Republicans will likely agree to the deal, which would put off sequestration for two months.?

But while Kyl said he is still holding out hope for a vote tonight, McCain told reporters that he doesn't think there will be a vote tonight.?

Meanwhile, a spokesman for Republican Senate Minority Leader Mitch McConnell tweets that the Senate's "Morning Business" has been extended until 7 p.m.?

6:08 PM | Boehner tells House Republicans to "stick around and stay sober"

National Journal reports that House Speaker John Boehner has told his caucus to stay close by the Capitol in case the Senate votes on a fiscal cliff deal.?

He ""told us to stick around and stay sober ? semi-sober, anyhow,? Rep. John Carter told NJ.?

6:24 PM | Still no word from Senate Democrats on whether there will be a vote tonight...

6:37 PM | On CNN, Republican anti-tax guru Grover Norquist says he's cool with the deal.

6:45 PM | Biden will head to the Hill at 7 p.m.

News outlets are reporting that Vice President Joe Biden is planning on heading to Capitol Hill at 7 p.m. in order to break a tie if there is a tie on the still tentative fiscal cliff deal.

7:21 PM | Biden is meeting with Democrats to try to coax them into agreeing to a deal

Meanwhile, the AFL-CIO is urging Democrats not to agree to a deal that raises the tax threshold above $250,000 and allows Republicans to renegotiate on the debt ceiling.?

8:44 PM | CNN reporter Dana Bash tweets that Senate Democrats will caucus at 9:15 p.m.

Biden is expected to arrive at the Capitol around that time.?

8:53 PM | The Washington Post reports that Democrats and Republicans have finally reached a deal on the fiscal cliff

Via WaPo:?

According to Democratic aides, Vice President Biden is on his way to the Capitol to explain the details of the pact he negotiated with Minority Leader Mitch McConnell, and? a vote on the package could be held by 10:30 p.m., beating a midnight deadline. White House officials gave in on the last issue, how to handle estate taxes, yielding to GOP wishes, aides said. The House will begin considering the bill tomorrow, with final passage in the next day or two.

9:09 PM | White House officials report that Senate Majority Leader Harry Reid and House Minority Leader Nancy Pelosi have signed off on a deal.

Biden has arrived at the Capitol to convince the rest of the Democratic caucus to do the same.?

10:41 PM | Dems still caucusing

Biden has been meeting with Democrats for over an hour in a private meeting. The longer this goes, the more nervousness there will be about whether Dems are really on board.

10:54 PM | Vote still coming tonight

Harry Reid says there will be a vote tonight, but that they're just waiting for a CBO score.

11:31 PM | LATE VOTE

NRO's Robert Costa says vote could occur between 1-3 AM.

1:29 AM | THE SENATE IS BACK IN SESSION

After a long wait, there's action again in the Senate.

Some buzz about a vote before 2 AM.

1:39 AM | REID: "The Senate soon will act."

1:42 AM | THE SENATE IS NOW VOTING

Source: http://www.businessinsider.com/fiscal-cliff-live-2012-12

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Facebook security glitch exposes users' New Year's Eve messages

4 hrs.

Rosa Golijan , NBC News

Whew! Facebook saved countless users from?New Year's Eve humiliation ... after initially exposing their private messages.

Facebook's Midnight Delivery app allows users to schedule private messages to wish friends a happy new year exactly when the clock strikes twelve. This is fantastic for those who intend on having a glass of Champagne or five as 2013 approaches, as it will let them schedule a polite message along the lines of?"Happy New Year, my beloved friends!" instead of drunk texting everyone ?something like?"I'm sooooo wasted right nowljskf and happy NEW YeAr! 2013 FTW! YOLO!" when the ball in Times Square drops.

Now great as Facebook's little app sounds, there was?just one problem: A security glitch temporarily exposed users' scheduled?messages to the general public.

The Next Web's?Robin Wauters reports that?when a user scheduled a Midnight Deliveries?message, he or she was presented with a confirmation page. Unfortunately, that confirmation page could be viewed by anyone who happens to guess its URL. "You couldn?t see who sent the messages," Wauters explains, "but you could see all the intended recipients, and the message itself, if you tweaked the URL the right way."

Those toying around with URLs could also see images which were attached to those scheduled massages. And to add insult to injury, they could also delete the correspondences.

"We are working on a fix for this issue now," a Facebook spokesperson told NBC News via email. "[A]nd in the interim we have disabled this app on the Facebook Stories site to ensure that no messages can be accessed."

Perhaps the more prudent approach, for the time being, is to just plain type out a "Happy New Year!!!!1!!!" text message and send it to everyone in your contacts at midnight.

Want more tech news?or interesting?links? You'll get plenty of both if you keep up with Rosa Golijan, the writer of this post, by following her on?Twitter, subscribing to her?Facebook?posts,?or circling her?on?Google+.

Source: http://www.nbcnews.com/technology/technolog/facebook-security-glitch-exposes-users-new-years-eve-messages-1C7755878

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