First Christian Church

Comparing Options In Regular Savings Accounts

byAlma Abell

When Regular Savings interest rates are near 0%, it’s simple to see why many people ignore questions of where they should put their rainy-day funds. Those with financial smarts often assume that they can get higher returns by putting money into mutual funds and stocks instead of into a low-rate savings account, but sometimes having liquid cash is a good thing.

If a person needs fast cash, most options come with drawbacks. Taking a distribution from an investment account can result in taxes and penalties, and using a credit card can mean an interest rate above 15%. Savings accounts provide backup funding for checking accounts, and they offer peace of mind without having to tap into an investment account or credit card.

Reasons to Compare Savings Accounts

According to a recent MagnifyMoney.com survey, 73% of Americans put money into traditional savings accounts with interest rates near 0%, and the average balance is almost $27,000. By comparing rates among offerings from online, credit union and bank savings accounts, customers can maximize interest and minimize fees. However, they should also consider factors such as:

  • Fees. Some accounts charge fees for accounts with balances below a minimum, and these fees can negate the limited interest earned.
  • Compounding interest. For the highest earnings, interest should be compounded daily.Overdraft protection. If overspending with a checking account is a concern, link the account for additional protection.
  • Account setup. If a person is saving for a specific goal, they should find an account that allows for sub-account setup, which makes it easier to track savings.
  • Funds availability. The account holder should find out how quickly deposits post to the account, and how long inter-
  • account transfers take. Transfers between accounts at the same bank are usually instant, but some online accounts can take a day or more.
  • FDIC Insurance. While most accounts are insured by the FDIC, they customer should check to make sure. Savings accounts have many benefits, but one of the biggest is the low risk.
  • Withdrawal rules. Most money market and savings accounts limit withdrawals to six per month. Customers should find out what will happen if withdrawals are made too frequently.

Checking fees and requirements on online Regular Savings accounts can take a few minutes more than opening an account in person at Pearl Hawaii Federal Credit Union. However, if the time results in higher interest over the course of the year, the spending is worthwhile.

15 killed, 30 injured attempting to steal fuel from train in India

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15 killed, 30 injured attempting to steal fuel from train in India

Saturday, September 20, 2008

Fifteen people are dead, and thirty more have become ill after attempting to steal fuel from a freight train travelling through Karbi Anglong, Assam, India. It is thought they broke into a tank containing toxic chemicals.

According to a railway official, the train was in the remote region with 48 wagons of petrol and diesel when raiders intercepted it. The train was in a forested area at the time and was surrounded by armed men, a common occurrence in an area where trains transporting products to and from refineries are regularly targeted.

Witnesses described liquid pumping out of a tank at high pressure. There are no reports as in to what the tank contained, but the fumes were toxic; when police arrived they found that fifteen had succumbed to the gas, and thirty more were sickened by it. A number of empty oil drums, presumably intended for fuel from the train, were also discovered.

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Taliban resurgent in Pakistan on enforcement of Sharia law

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Taliban resurgent in Pakistan on enforcement of Sharia law

Friday, May 4, 2007

“Pakistan was un-affected by Talibans and al-Qaeda (in my opinion) until the US flushed them out of Afghanistan. So 9/11 and WTC and the post WTC attacks by the ISAF (read American, for the locals) forces have led to the present condition in NWFP. At least that is the way the people there see it,” wrote Riaz A Hakeem in one of a series of email exchanges with Wikinews.

Mr. Hakeem, 58, left the North-West Frontier Province (NWFP) at the age of 25 and became a naturalized citizen of the U.S. Now a businessman who is active in Texas politics, he shares some views as a person who is in touch with his family and friends who remain in the region. He travelled throughout portions of Pakistan at the end of last year.

What is the current situation in the NWFP?

The Pashtun people are or were renowned for their hospitality. Many westerners commented on it. Some with suspicion NOT willing to believe some people so poor could be so generous. It was almost a character flaw. One could travel without fear of personal danger as long as you followed local protocols.

That was the sort of mind set among the people. An ageless paradigm of self satisfaction: this is enshrined in the code of the Pashtuns way of life.

The Islamic radicalism is in reality nothing but the Taliban movement. Not all Pashtuns are Taliban (obviously), but most Taliban are Pashtun. Of these, most belong to the FATA. Of these, most were affected by their cousins from Afghanistan coming over. Mingled with them were Arab-Afghans, Uzbeks and some Tajiks and even Chechens. Some of these married within the tribes and formed a bond with the locals. Marriage bonds go back in history.

This Talibanization shows itself in the content of the Friday sermons at the mosque. Now it shows in the popularity of growing beards, especially since the MMA – the coalition of religious political party’s – won power. More recently in their showdown with the Pakistan army in North and South Waziristan – where according to my sources, people prefer going to the Taliban for justice rather than the older system of Maliks and Political Agents. The latter are known as corrupt. In Pakistan, in general, people are sick of the amount of corruption.

Bannu, from where hails the Chief Minister of the NWFP, Mr. Durrani, is now in Taliban control in the sense that there is a parallel government that they have established which is functioning quite well and is popular among the people.

Has Taliban influence caused a stricter intrepretation of Sharia law in the NWFP?

Yes. The Maliks, or tribal elders, consider themselves quite conservatively religious. Even so, they had a laid back attitude towards enforcement of religious doctrine.

The Taliban emulated the Saudi system of having a department concerned with citizens’ morals (even the name is the same: the department for the Promotion of Virtue and Prevention of Vice) and this department has, as in Saudi Arabia, an enforcement police, called mutawwa’in, a morals law-enforcement agency.

Is there a shift from tribal elders to clerics, as the main interpreters of law?

There has been a movement in that direction, but it has started a power struggle between the clerics who traditionally have been at the lowest strata of the social structure. Now when they have seen a bigger role for themselves, first from the Taliban in Afghanistan – but also the government of the MMA in the NWFP, who are nothing more than glorified clerics themselves, only a little smarter in exploiting religion politically.

The MMA is largely non-Pashtun, which is a source of discontent in that they stand in the way of Pashtun nationalism, such as it is, because it only rears its head when non-Pashtuns start to usurp power over what the Pashtun consider their turf.

The deal made between Pakistan’s central government and the North and South Waziristan provinces, where tribal leadership was given the pivotal role in dealing with militants, has been criticized as a failure. What caused this initiative to fail?

First off, I don’t agree with the premise of the question, that the “deal” is a “failure” – for the following reasons:

  1. In the first place the Pakistan army (govt – same difference) did not have many options. This was the least worst option they had.
  2. And most importantly, I have said this before, this area is literally in a time warp – which means they proceed at (what seems to us in the west) a glacial pace. I will give an example from the folklore:

    The story goes that a Pashtun had to repay (badal) an enemy for a crime against his family and he waited patiently for 20 years (some say 50 years), after this time, he exacted his revenge – but soon after was depressed because he wondered “Did I act too hastily?”

    So one part of Pashtunwali is to “pay back” – (Badal: literally to exchange) which most people translate as revenge. Yes that is the form that is most visible, but badal is also played out in the exchange of gifts at wedding and other celebrations, and in the exchange of favors like in politics. The rules can be arcane, unwritten and hard to follow — who did what to whom, when, and so on, and what is the proper recompense — this same give and take would occur in a peace process pursued by the Tribal Maliks, who rule by consensus. There is no actual leader in the western sense, because all the Maliks, in fact all the others are de facto, so many co-equals is a mind set, a paradigm foreign to the uninitiated, as the concept of consensual gay sex is to the Wazir in Waziristan.

  3. The agreement has not failed, because it has not been given enough time, in Wazir time reference, not American time presidential election cycle controlled. I do not have a crystal ball, but if I did, I would see NATO troops in Afghanistan long after Iraq is over. Afghanistan can be a success ONLY if we accept one thing, the time warp these people live in — by my reckoning its still 1700 CE over there.

Is the Talibanization of Pakistan partly due to a perception of corruption among the system of Maliks and Political Agents?

The corruption is in the ISI, the Pak army and the Pak system of Political Agents (PA) assigned to these tribal zones (FATA & PATA).

These PA have budgets that are much like the CIA in that they are a single line item in the national budget, there is no accountability of where or how the PA spends the money. If one followed the IRS rules and looked at the lifestyles of the PA and compared them with their income, you would soon understand what was going on.

Musharraf critics are a larger issue. Republicans have coddled Pakistan with the belief that “as long as they are pro America” then democracy in Pakistan will come in due course. Democrats have, I think, insisted Democracy first, and then we can discuss the other issues later.

The Talibanization of Pakistan has more to do with graduates of “Raiwind“, a place near Lahore, where the “Tablighi Jamaat” conducts brainwashing camps. It was graduates of this place, in my opinion, that are responsible for Britain’s 7/7 attacks as an example.

Corruption amongst the Maliks is self limiting because of the egalitarian society they live in and because of Pashtunwali.

What is your view on Musharraf suspending judge Iftikhar Chaudhry?

I believe, and this is widely held belief, that Musharraf has no constituency of his own for his power base. He wanted legitimization from the Supreme Court, and Mr Choudhry as Chief Justice (their system is not like ours) would not give it.

So Musharraf has had to hang on to his Army Chief of Staff position to get his power from the Army. If some one else were Chief of Staff, that person could refuse to support Musharraf.

The Justice favorable to the general is Justice Iqbal, who was not the next in line for Chief Justice. The next in line is a Hindu. That presented problems of its own for Musharraf. So when the Hindu judge went for a trip to India, Iqbal became the “available” senior most Supreme Court judge, and hence the haste and lack of decorum with which Justice Chaudhry was removed.

What is the prevailing sentiment regarding Pakistani government efforts in the provinces and the international effort in Afghanistan to combat Taliban and affiliated militants?

In my dealings and inquires, one thing stood out like a sore thumb – the conspiracy theories vis-à-vis anything having to do with America. I mentioned to one of my close friends that events that were previously ascribed as acts of God were now considered acts of the CIA. Some even believed that the Earthquake in the northern areas was because of some sort of underground secret “bomb” used by the CIA. Lack of evidence is further proof that the CIA did it. I was flabbergasted, and started to give this kind of thinking as an example in speaking to “educated” Pakistani’s – and among these, those that did agree that the earthquake was NOT the work of the CIA, they would start giving other examples, notably the Blow up of the plane carrying Zia ul Haq an ex President of Pakistan, in which the US Ambassador also perished. When I would point this out, the response would be that that is the sort of thing they do to take away suspicion from themselves.

In a nutshell, the impression I came away with is, there is NO war of civilizations going on. What is going on is a war between literacy and illiteracy.

Taliban are not visible in the areas I visited, but the militants handiwork clearly is – as elsewhere, the common criminals are taking advantage of this situation, and crime is up significantly. One new crime is Cell phone “snatching” – it’s easy and nobody wants to pursue it. If some one is using a Razr phone, he can expect to be hit soon if he uses it in public. So people have two cell phones, one fancy to show off, and one for use in public places.

Insofar as “foreign” militants are captured and identified, that is to say non-Pashtun (including non Afghan Pashtun or Pak Pashtun) – then the people are obviously in agreement with the government that these people don’t belong here and need to go.

The problem is this: the foreigners are usually in the FATA and have been there since the Soviet war times. Many of them have taken local wives and now have a family. The local have accepted them into their family. Now for the Pak govt to ask them to kick them out, the locals are thinking what am I doing to my grandchildren’s father, etc. Again the edicts of Pashtunwali also play a role.

What is the relationship, if any, between the Taliban and Al Qaeda?

Al Qaeda is mostly composed of Arabs, they do not trust any one else. While they might use others as couriers or in lowly position as servants, for second rate Al Qaeda officials, the Top guys ONLY deal with Arabs and are served by Arabs.

The Taliban are mostly Pashtun tribesmen. Mostly they are graduates of madrassa’s. Mostly illiterate by any world standards. The better educated among them will know how to speak a few words of English, such as their Information minister. There might be one or two notable exceptions of which I am not aware.

However, while Al Qaeda does not trust the Taliban, the Taliban look up to Al Qaeda top leadership. We saw this situation in Iraq where initially Al Zarqawi had no direct link with Qaeda but was keen to form one. It would be conjecture on my part to state that in the end he did indeed succeed in forming that connection. In the press at least that impression was prevalent.

So the lines of interest proceed ONE way, like one way traffic. Extremist want to be affiliated with Qaeda, in my opinion, while the latter does not, so as to maintain its hideout.

The Qaeda supply lines are hampered, new recruits would have to be Arabs, and they would have to travel a long way through tight Pakistani security to reach here, or suffer hardship over a long and arduous land route through Balochistan and the Tribal area’s – NOT all of which are accommodating.

So as is becoming clear, Qaeda is having trouble replacing people they loose meaning those that were captured or died. They only trust Arabs, and that also a certain type of Arabs, (not all Arabs are the same, not all Arabic is the same – for example they would never trust a Syrian, in fact Qaeda folks consider Syrian brand of Islam an apostasy – but that is another story).

Whatever remains of the Qaeda, are not in a position to set up training camps, since they are in a survival mode. The Taliban resurgence helps them get a little warm and fuzzy in this survival mode, since they feel a little bit more secure with their partners-in-arms doing some evil stuff, blowing up people and causing mayhem.

What makes the North-West Frontier Province competent to administer money sent as foreign aid?

This is the central question. Much like California has taken a separate initiative on stem cell research – as an analogy – the NWFP is central to the war on terror, not Pakistan.

The NWFP was central to the fight and aid to the Afghans during the Soviet occupation, not Pakistan.

This small distinction is lost on Washington, and it is the main reason, in my opinion, why so much of the Aid was “lost in transit” was because the Punjabi army officers could not bring themselves to dispense such large sums to an ethnic group which it considers anti-Pakistani.

All the FATA is contiguous to the NWFP. The Taliban and Al-Qaeda are holed up somewhere either in the FATA, or across the Durand Line in Afghanistan; the Durand Line has never been recognized by the locals as an international boundary. Even today, the Pashtun travel from Peshawar to Kabul by road with out a passport or visa, and it has been like that for eons.

The present governor of the NWFP belongs to the Orakzai tribe (he spells his name Aorakzai) and it is my opinion that that he was picked partly because he belongs to one of the FATA as well as he is a retired General of the Pak Army.

The Frontier Constabulary (FC) is a force which primarily recruits from the FATA. All or most of its forces are from the various tribes. In the eyes of the tribes this is a bona fide force and service with the FC is considered an honorable thing. The US has already allocated some funds for increasing recruitment, but far less than what it would take to counter the Taliban and far less than what the economic need is. The US spends a thousand times more on a battalions sent to monitor activity over there. Plus why endanger the lives of our troops and spread our forces thin when a more effective job can be done by the FC. The FC has over history shown that they will attack and use force against the tribes that create trouble. There have been no instances of insubordination or mutiny.

Even the US Embassy is protected by a contingent of the FC! That goes to show their trustworthiness and discipline.

The “tribal” Pashtuns in the FATA are not educated or trained and hence not employable right now. I propose that we fund directly the Director of Emigrants, Mr. Azhar Arbab in Islamabad, to set up training facilities in Concrete laying, iron work, pipe work, welding etc, which would then qualify these tribesmen to obtain jobs in the Gulf. As such we would remove them from the scene altogether. They would not be available in the labor pool to the Taliban or anyone else. I might add here, that a number of these individuals have very high innate intelligence, which is one reason they make formidable foes.

Now the central reason why the NWFP ought to do this is because they are themselves most affected by the scourge of Talibanization. They are highly motivated in carrying out these policies because it is to their own benefit.

How many men does the FC field currently?

The FC currently has about 23,000 men in total.

How much do they get paid?

They are paid the equivalent of $60 per month per person -Pak Rupees 3665, where Rs61= $1. They do have some fringe benefits but life is very spartan for these soldiers.

What the US could get in return is a huge bang for a buck, no pun intended.

I think we ought to double the number of these soldiers with one proviso that the FC maintains its high standards of recruits.

Compare this with our costs in the War against Terror; just Halliburton’s bills will have you reeling. I think that it would be foolish, NOT to do this.

The Frontier Constabulary is an Institution with a long and glorious history within the Frontier Province.

The recruits come strictly from the tribes of the various FATA and so they are very familiar with the people, the bad guys the terrain.

They speak the Pashto dialect of the locals. The Pashto language has many dialects, and you can tell where someone is from based on which dialect he speaks. So if you do not speak the correct dialect, you are immediately identified as an outsider. This is one reason why these tribes are impossible to penetrate, there are other reasons as well, that are beyond the scope of the current discussion.

How can the FC help prevent attacks like the suicide bombing attempt on Sherpao in Charsadda last weekend?

In essence your question is how can anyone prevent a suicide attack? And frankly if I knew the answer to that I think the US military – and several other groups – would be knocking on my door. I think the Israeli Army has had the most experience with this sort of thing. The suicide bombing as a tactical weapon was invented by the Tamil Tigers in Sri Lanka, and even today in terms of statistics they use it in far greater numbers.

So to summarize neither the FC nor anyone else can prevent a suicide bombing. We could attempt to improve our intelligence to find out about an imminent attack, but so far these have not been very successful in Pakistan.

In the Lal Masjid Case the government avoided a suicide killing by negotiating with those two Mullah brothers – but I don’t know if that counts. But it does make for an interesting story. Both Washington, DC and Islamabad now have Madams threatening to publish the list of their clients unless they are given protection. Who would have thunk?

Going back to your question: In my opinion what ought to be done is to make a Policy change, and address the issues that are producing these suicide bombers, that is the only way to stop this phenomenon.

In this part of the world this is relatively new because prior to 9/11, suicide bombing was unheard of. Moreover it is not the FC’s job to provide security to the Minister of the Interior, that is the job of the Police force, because this Ministry is equivalent to the Department of Homeland Security.

You don’t expect Border patrol to provide body guard duty to the Secretary of the department of Homeland Security.

I am making these analogies so the American readers would relate to what is happening, and understand the difference in nomenclature. –RHakeem 20:13, 3 May 2007 (UTC)

This interview consists of excerpts taken from the full content and context of Mr. Hakeem’s replies. The complete and uneditted version is found on the Interview archive page.
This exclusive interview features first-hand journalism by a Wikinews reporter. See the collaboration page for more details.

18-year-old charged for Thanksgiving lesbian assault

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18-year-old charged for Thanksgiving lesbian assault

Monday, November 26, 2012

An 18-year-old man, Travis Hawkins Jr., was charged yesterday by police in Mobile County, Alabama, for allegedly beating a woman who is romantically involved with his sister. Hawkins was bailed following a charge for second-degree assault.

Mallory Owens, 23, the victim of the attack, is in the USA Medical Center in Mobile, recovering from the injuries. Owens has had to have facial reconstructive surgery and had a broken nose from the assault during Thanksgiving. Owens’ family have told reporters they believe it to be a hate crime and called for the prosecutors to upgrade the charges against Hawkins.

The father of the arrested man, Travis Hawkins Sr., has said they have hired a lawyer for his son, Hawkins Jr.

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Category:July 15, 2010

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Category:July 15, 2010
? July 14, 2010
July 16, 2010 ?
July 15

Pages in category “July 15, 2010”

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Controversial medical center demolished in Buffalo, New York

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Controversial medical center demolished in Buffalo, New York

Saturday, May 26, 2007

A medical center, once the site of intense controversy over abortion in the 1990s, which has been vacant for nearly 10 years, was imploded in Buffalo, New York at 6:00 a.m. [eastern time] today.

Several streets in about a 2 block radius were shut down until the implosion occurred and the dust settled. At least 200 people watched in nearby parking lots and on rooftops of buildings to get a good look at the implosion.

The ground and the walls of buildings shook as the dynamite detonated and a brief shock wave could be felt as far as 1 1/2 blocks away. Witnesses even reported small pieces of bricks and concrete falling out of some buildings, but no one was injured.

The building, owned by Kaleida Health, once housed several medical offices, including an abortion clinic. Hundreds of people protested about the abortions outside the center during the Spring of Life Movement in 1992, but other medical procedures and treatments were also part of the center’s services. It was built in 1965 and was 14 floors tall.

Kaleida Health had the building imploded so that the current Buffalo Niagara Medical Campus can be expanded. Several other major medical facilities are also in the same area including Roswell Cancer Institute and Buffalo General Hospital.

“This implosion of 50 High Street will continue the explosion of growth on the Buffalo Niagara Medical Campus. This event will ensure future opportunity for investment, development and growth,” said the CEO and President of Kaleida Health in a statement on Thursday.

==Sources==

This article features first-hand journalism by Wikinews members. See the collaboration page for more details.
This article features first-hand journalism by Wikinews members. See the collaboration page for more details.

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Can Your Current Email Marketing Software Do All This?

byAlma Abell

If you are using an older email marketing software program for your small, medium or large sized business and aren’t seeing any benefits or increases in web traffic and sales then maybe you need to consider a new software program.

Some of the older programs and email marketing software options were great for their time, but today’s consumers are more savvy, more aware of what is new and what is outdated, and they may be judging your company, your products and your services by the quality and appearance of your newsletters, flyers, and even your branding efforts.

Relevant Options in Templates and Images with Email Marketing SoftwareSimply the style of your old templates and marketing software may be a dead giveaway to your customers that your business isn’t keeping up with the times. If your newsletters still look like newspapers advertisements rather than image rich, content driven relevant emails you will be limited the number of new customers that come to your site.

Working with ISPsIf your current email marketing program has had difficulties in being marketed as junk or spam in the past your emails may simply not be getting through to your customers. By choosing an email software company that has a good relationship with the major ISPs and even the local providers you can avoid this issue completely.

EnFlyer offers email marketing software for business that has outstanding delivery rates. This service also includes removing anyone that unsubscribes from your email delivery automatically, resulting in much less risk of being marked as juke or spam.

Automate your SystemYet another terrific feature that EnFlyeroffers is the option to fully automate your email deliver. This means that once you enter specific information into the listing, such as birthdays or interest in specific products or services, the system will send the template on file automatically, providing targeted email marketing without needing to lift a finger.

Last, and certainly an important feature, is the ability to have technical support to answer questions and assist you in developing just the emails and marketing campaign tools that you need, which is a big plus from a do-it-yourself program with little if any support.

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Colleges offering admission to displaced New Orleans students/OH-WY

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Colleges offering admission to displaced New Orleans students/OH-WY
See the discussion page for instructions on adding schools to this list and for an alphabetically arranged listing of schools.

Due to the damage by Hurricane Katrina and subsequent flooding, a number of colleges and universities in the New Orleans metropolitan area will not be able to hold classes for the fall 2005 semester. It is estimated that 75,000 to 100,000 students have been displaced. [1]. In response, institutions across the United States and Canada are offering late registration for displaced students so that their academic progress is not unduly delayed. Some are offering free or reduced admission to displaced students. At some universities, especially state universities, this offer is limited to residents of the area.

Contents

  • 1 Overview
  • 2 Ohio
  • 3 Oklahoma
  • 4 Oregon
  • 5 Pennsylvania
  • 6 Rhode Island
  • 7 South Carolina
  • 8 South Dakota
  • 9 Tennessee
  • 10 Texas
  • 11 Utah
  • 12 Vermont
  • 13 Virginia
  • 14 Washington
  • 15 West Virginia
  • 16 Wisconsin
  • 17 Wyoming

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News briefs:April 21, 2010

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News briefs:April 21, 2010
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