Friday, January 6, 2012

Remove Gum From Your Shoe by Sticking It in the Freezer [Clever Uses]

Remove Gum From Your Shoe by Sticking It in the FreezerAttempting to scrape gum off your shoe always results in a sticky mess. Toss your gum-covered shoe it in the freezer instead for easy removal.

Putting your shoe in the freezer for a couple hours makes the gum much easier to chip off, says Redditor tomer_360. After a brief search around the net, we found that if you have a plastic bag handy, you can make the process even easier:

Take the shoe with the gum and place it in a plastic grocery bag or large food storage bag. Press the area of the shoe with the gum onto the plastic of the bag. Clear an area in the freezer. Place the bag into the freezer with the shoe still inside. Allow the gum to freeze. This will require at least an hour if not two hours.

Once the gum is frozen, remove the shoe and the bag from the freezer. Pull the bag and the shoe apart from each other. The gum should stick to the bag and solve your dilemma.

That way, you won't have to deal with your shoe constantly sticking to the floor and making a mess. Hit the link for a few more gum-removal tips.

Photo by Mahalie Stackpole.

How to Remove Gum From Your Shoes | DoItYourself.com

Source: http://feeds.gawker.com/~r/lifehacker/full/~3/5BRtuz6ogds/remove-gum-from-your-shoe-by-sticking-it-in-the-freezer

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CME faces regulatory probe on MF Global: report (Reuters)

(Reuters) ? CME Group Inc is under investigation for its handling of MF Global before the broker's collapse last October, the New York Times said.

The probe by the Commodity Futures Trading Commission, reportedly focuses on whether CME did enough to safeguard client assets at the giant futures broker. Regulators are still seeking hundreds of millions of dollars of customer funds gone missing since MF Global's failure.

A spokeswoman for CME Group, the biggest operator of U.S. futures exchanges and MF Global's first-line regulator, said the company welcomed any probe.

"We haven't been notified that they are investigating us, but we would expect and frankly welcome it - it's part of their job that they are looking at the things we did," CME spokeswoman Anita Liskey said. "We are confident that they will agree that we did our job to the best of our abilities."

CME executive chairman Terrence Duffy has testified that MF Global provided false documentation to the CME about the customer funds under its control, saying it had a surplus and later correcting them to show a deficit.

Separately, the Wall Street Journal reported MF Global's bankruptcy trustee, Louis Freeh, has refused to turn over some documents to the CFTC, which is investigating what happened to an estimated $1.2 billion in missing customer funds.

Freeh, a former director of the Federal Bureau of Investigation and who represents MF Global's parent company, has asserted attorney-client privilege in deciding not to release certain documents to the CFTC, according to his office and people familiar with the matter, the Journal said.

The dispute is complicating efforts to learn how the firm lost the customer funds and to return the money to its owners and could slow the investigation, the Journal said, citing people familiar with the investigation.

A spokesman for Freeh's office told Reuters that the trustee's team was cooperating with regulators, law enforcement and Congressional committees and is not aware "that our initial desire to preserve the attorney-client privilege has hampered their respective investigations.

"To the extent that the authorities express concerns to us that the effort to preserve the attorney-client privilege is hampering their investigations, we of course would be willing to discuss the issue with them and be inclined to waive privilege," the spokesman said.

A spokesman for the CFTC declined to comment to the Journal on the story.

A CFTC spokesman did not immediately respond to a request from Reuters for comment.

(Reporting by Rachana Khanzode in Bangalore and Ann Saphir in Chicago; Editing by Matt Driskill, Dave Zimmerman)

Source: http://us.rd.yahoo.com/dailynews/rss/business/*http%3A//news.yahoo.com/s/nm/20120106/bs_nm/us_mfglobal

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Adaptu Wallet for iPhone


Adaptu Wallet for the iPhone, a temporarily free app, is the closest thing to a mobile wallet I've ever tried. Not only does the app display your latest account balances in real-time and send you bill reminders, like the Editors' Choice-winning iPhone app for Mint.com or the popular Pageonce app, Adaptu Wallet also tracks loyalty programs, forecasts your spending, and lets you photograph and store images of all the loose ends in your wallet, like your insurance, Social Security, and business cards. All of this sits under bank-level security.

But while rich in features, Adaptu Wallet isn't as navigable or user-friendly as Pageonce or Mint.com's iPhone apps. More on that below.

Getting Started
Adaptu offers a couple ways to get started. You can either sign up at Adaptu.com first, fill out your profile, and then launch the app, or you can download the app first and create an account through your mobile device. I prefer signing up at the website since it's easier to fill out all those questions about your financial profile. Once you can start the app, you're asked to set up a 4-digit numeric PIN.

After that, it's time to set up your accounts. Adaptu has established relationships with major U.S. players in the following categories: banking, cell phone carriers (for billing alerts), credit cards, investments, loans, mortgages, and rewards programs. My yuppie lifestyle easily integrated into this app: I found it a snap to link to my Citibank, Verizon, Netflix, Delta Skymiles, Starbucks Rewards, and PayPal accounts. Pageonce offers many more service providers, like Time Warner Cable, Comcast, and conEdison.

The app takes a few minutes to connect to these vendors and automatically imports all your data, from balances to bill deadlines to credit limits. It displays this cleanly on the startup screen. Like with other apps, it automatically categorizes your transactions and lets you manually input cash payments. Now, it's on to making sense out of this information.

Suze Orman in your wallet
Adaptu's marketing folks liken their app to having Suze Orman, the screaming host of Can You Afford It? in your pocket, and I couldn't have put it better. The app takes stock of all your past spending behavior and income to create present and future forecasts of your monthly income and monthly expenditure, with the aim of helping you make smarter purchasing decisions at the point of purchase. On the home screen under My Wallet, tap See Cash Flow to view your monthly cash flow; tilt the app horizontally for a three-month flow. You can set your total monthly budget within the app using a rather clunky slider, although I'd prefer to manage this from the Web application.

The cash flow charts are determined by looking at your previous month's income and spending habits (labeled as need-based or want-based) and predicting this month's income and expenditures. Ultimately, you're supposed to refer to these charts anytime you want to buy a big ticket item, to determine whether you can afford to do it now or if you should wait.

These charts are useful if you take the time to classify your transactions as need-based or want-based and your monthly income is consistent enough to create an accurate forecast. I really liked visualizing my balance and income in coming months. However the OCD side of me recognized that in order to create an accurate cash flow chart, I'd have to go through all my transactions and classify them accurately. Fortunately, Adaptu lets you do this within the app.

In fact my biggest gripe about Adaptu's app is the Web application itself, which you'll use frequently to manage features with the mobile app. It's chock full of valuable information, budgeting software, and financial planning advice, but none of this is clearly organized. For instance when I was first starting out I wanted someone to guide me through the setup process. So I clicked Getting Started, and was brought to what looks like a discussion board with topics like "how to set pay day for budget?" and "Biweekly income budgeting vs. Monthly." Not helpful. The same thing happened when I clicked on sub categories within the toolbar?I was redirected to a discussion board.

Security
The Adaptu Wallet iPhone app is more secure than my physical wallet. Like most finance and banking apps, Adaptu doesn't store data in the device itself to prevent outsiders from recovering the data in case your phone is lost or stolen.

Adaptu says its app uses "bank-level security," which means information is encrypted with AES 256-bit and verified by TRUSTe, VeriSign and MacAfee. The app also forces users to enter a PIN at every login and any time the app goes on standby mode after a minute. It's annoying, but reassuring.

Should You Adapt to Adaptu?
Adaptu Wallet for the iPhone is an ambitious little app that packs many unique features, like spending forecasts, keeping track of loyalty programs, and storing photos of all the minutiae you stuff in your wallet. All this app needs is a card processor and I'm ditching my physical wallet for good. It's not as user-friendly as Mint.com for iPhone, our Editors' Choice in the financial management category, but it's a very promising start for the year-old startup. Get it fast, as Adaptu's marketing folks informed me that they plan to start charging for the app to keep it ad-free.

More iPhone App Reviews:
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??? Adaptu Wallet for iPhone
??? Snapseed
??? Hipstamatic for iPhone
??? CSI globalVCard
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Source: http://feedproxy.google.com/~r/ziffdavis/pcmag/~3/vOxL2a-zSa0/0,2817,2398344,00.asp

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Man-Made Quakes? Blame Fracking And Drilling

With the skyline of Youngstown, Ohio, in the distance, a brine injection well owned by Northstar Disposal Services LLC is seen in Youngstown on Jan. 4. The company has halted operations at the well, which disposes of brine used in gas and oil drilling, after a series of small earthquakes hit the Youngstown area. Amy Sancetta/AP

With the skyline of Youngstown, Ohio, in the distance, a brine injection well owned by Northstar Disposal Services LLC is seen in Youngstown on Jan. 4. The company has halted operations at the well, which disposes of brine used in gas and oil drilling, after a series of small earthquakes hit the Youngstown area.

Small earthquakes in Ohio and Arkansas associated with hydraulic fracturing for gas have taken many people by surprise. Gas industry executives say there's no hard evidence that their activities are causing these quakes. But some scientists say it's certainly possible; in fact, people have been causing quakes for years.

In the 1960s, geologists realized that gold mines in South Africa had created small earthquakes. Caverns dug into the earth thousands of feet below the surface collapsed. The "pancake" effect caused quakes, in one case a magnitude 5.2 temblor.

Since then, scientists have found that even pumping water away from underground mines (to keep them from flooding) changes the dynamics of stress in rock formations enough to trigger a quake.

Some rock is saturated with water ? the water occupies pores between rock particles. This creates what's called "pore pressure" and keeps the formation in a sort of equilibrium. If you suck the water out, particles tend to collapse in on themselves: the rock compresses. Add water, and you push particles apart. So moving water around underground can affect the stresses on those formations.

Creating Quakes

Now let's say there's a fault line in the Earth. If the water content around the fault is changed, the fault might slip. If the water gets into the fault itself, it can lubricate the fault and trigger a quake.

Hydraulic fracturing pumps a lot of water underground, where it's used to crack the rock and liberate gas. This may cause tiny quakes, but fracking goes on for a day or two, and the quakes are small.

Recent quakes reported in Ohio and Arkansas are associated with waste-water wells, not fracking wells. The water first used in fracturing rock is retrieved and pumped into these waste wells, which take in lots of water. And at more than 9,000 feet deep, the water is under high pressure that can build up over months or years. It's this pressure that can actually create earthquakes.

In the 1960s, a waste-water well in Colorado, at the Rocky Flats Arsenal, is believed to have been the trigger for a 4.8-magnitude quake.

A few geologists are familiar with these induced or triggered quakes. They're rare and usually small, but now fracking is creating thousands of waste-water wells, often in heavily populated areas that historically have not been seismically active. That means even small quakes get noticed.

Shipping Waste-Water Out Of State

For decades, scientists have known that activities like mining, drilling and building dams can actually create earthquakes. As early as the 1960s, observers noted that deep-earth gold mining changed the stresses in rocks and caused earthquakes. Above, miners drill into the rock at the Sub Nigel East Gold Mine in Johannesburg in 1961, more than 6,000 feet below ground. Ron Stone/Getty Images

For decades, scientists have known that activities like mining, drilling and building dams can actually create earthquakes. As early as the 1960s, observers noted that deep-earth gold mining changed the stresses in rocks and caused earthquakes. Above, miners drill into the rock at the Sub Nigel East Gold Mine in Johannesburg in 1961, more than 6,000 feet below ground.

It can be hard, even then, to definitively nail down the source of a quake. And there are several ways big infrastructure projects can create them: People have created quakes when they excavate quarries ? removing all that rock or "overburden" changes the vertical stress on rock and the faults below. Likewise, dams increase the stress below when a lake is created. The Aswan Dam in Egypt and another in India are believed to have triggered quakes.

One way to avoid creating earthquakes is not to inject fracking waste-water into waste wells, but rather recycle it. The state of Pennsylvania tried that, but they found that waste-water treatment plants couldn't get all the toxic material out of fracking water, and the "cleaned up" water returned to rivers wasn't clean enough. So well operators in the state decided to ship waste-water to Ohio, where it's been going down into wells.

The U.S. Geological Survey is working on ways to head off quakes from waste-water wells. That would include performing seismic surveys before drilling the wells. Permeable rock like sandstone is better than hard, brittle basement rock that's riddled with faults. Operators might also limit the amount of water going into wells: USGS geologists have learned that the more water injected, the bigger an ensuing quake.

Source: http://www.npr.org/2012/01/05/144694550/man-made-quakes-blame-fracking-and-drilling?ft=1&f=1007

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Thursday, January 5, 2012

Netflix stock surges with Internet video streaming (AP)

SAN FRANCISCO ? Netflix has released some statistics that indicate the video subscription service must be doing something right, even though investors and customers have been ridiculing it for much of the past six months.

The company says more than 20 million subscribers worldwide watched more than 2 billion hours of old TV shows and movies on devices with high-speed Internet connections during the final three months of last year. The numbers released Wednesday contributed to an 11 percent surge in Netflix Inc.'s stock price. The shares gained $8.21 to finish at $80.45. It marked Netflix's highest closing price in seven weeks.

The stock still remains far below of its all-time high of nearly $305 reached in mid-July. The steep decline followed a customer backlash triggered by Netflix's decision to raise its U.S. prices for Internet video and DVD-by-mail rentals by 60 percent.

With its market value down about $12 billion from its peak, Netflix could also be a takeover target. Takeover speculation may have also helped fuel Wednesday's rally. The latest chatter centers around the possibility of that Netflix might receive an offer from Yahoo Inc.'s newly appointed CEO, Scott Thompson, whose hiring was announced Wednesday.

Amazon.com Inc., which has been trying to build its own Internet video service, is also widely considered to be a potential Netflix suitor. Netflix, which is based in Los Gatos, has consistently indicated it intends to remain independent.

The growing usage of Netflix's Internet video service was interpreted as positive sign because it validates one of the main reasons that Netflix CEO Reed Hastings raised the company's prices.

He is hoping to phase out its DVD rental service while trying to prod more subscribers to stream video on the Internet. The aim is to save the company money on mailing while preparing it to adapt as the notion of watching movies on discs eventually becomes as antiquated as watching them on VHS tapes.

Investors have questioned whether Netflix has stockpiled its Internet video library with enough captivating content to keep subscribers happy. Wednesday's statistics helped ease those concerns.

The numbers also indicated that the customer cancellations among its Internet video subscribers didn't get any worse than Netflix management expected. Netflix management predicted it would end December with 21.6 million to 23.5 million worldwide subscribers to its Internet streaming service. The company had about 23 million streaming subscribers at the end of September.

Netflix didn't mention how its DVD-by-mail service fared in the final three months of the year. Hastings expected Netflix to lose 2.6 million to 3.6 million DVD subscribers between the end of September and the beginning of January.

That exodus is expected to cause Netflix to lose money this year, the first time that has happened in a decade.

Source: http://us.rd.yahoo.com/dailynews/rss/internet/*http%3A//news.yahoo.com/s/ap/20120105/ap_on_hi_te/us_netflix_stock

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Libya plans vote on assembly to draft constitution (AP)

TRIPOLI, Libya ? Libya's interim government has proposed a draft law for electing an assembly to draft a new constitution ? a first step to setting up a new government after the ouster of Moammar Gadhafi.

The draft, published Monday night on the website of the ruling National Transitional Council, would bar former members of Gadhafi's regime from running in the election. It would even ban anyone who got a degree based on academic research on the Green Book ? Gadhafi's rambling political manifesto that laid out his theory of government and society declaring Libya a "republic of the masses."

Libya is facing serious challenges to build state institutions from scratch after toppling Gadhafi's 42-year dictatorship. The interim government must set rules for the transition to democracy and forge some sort of national reconciliation among the huge numbers of Libyans who were integral parts of former regime.

One of the most serious and immediate problems facing the interim leaders is disbanding disparate armed groups of former revolutionary fighters, which are divided by the regions where the operate. The regional militias, which played a major role in bringing Gadhafi down, are in charge of security in their areas in the absence of a strong and unified national military force. Clashes between the groups are frequent.

Fierce gunbattles between the militias of Tripoli and the city of Misrata erupted Tuesday in the center of the capital and left at least four fighters dead, said Tripoli's military council commander, Abdel-Hakim Belhaj.

The groups fought each other with machine guns, rocket-propelled grenades and anti-aircraft guns. Col. Walid Shouaib, a member of Tripoli Military Council, said the clashes were triggered by arrest of a Misrata fighter on New Year's Eve by Tripoli fighters. He was suspected of robbery and the Misrata fighters were trying to free him.

The Tripoli council is affiliated with the national transitional government.

The head of the interim government, Mustafa Abdel-Jalil, said the government must take control of the situation.

"I warn Libyans from entering into a civil war," he said.

A Misrata military council member, Mohammed al-Gressa, said he too feared a civil war. He said commanders of ex-rebels and the Tripoli military council were meeting.

"I am not optimistic because blood has been spilled," he told The Associated Press. "I feel this looks like a civil war."

According to Shouaib, the tensions between the two factions began on the night of the arrest when a group of Misrata fighters tried to free the detained man, but failed. Instead, they were arrested as well. A top Misrata commander managed to mediate the release of all the men except for the one arrested for robbery.

Another group of Misrata fighters made a second attempt to free the man on Tuesday. They opened fire on a building in the heart of Tripoli and used by the Tripoli military council. After hours of gunbattles, three of Misrata fighters and two from Tripoli armed men were killed, Shouaib said. However Belhaj said four were killed.

Witnesses said the Tripoli militia arrested six Misrata men, brought them inside the council building, beat them up and detained them.

In Washington, State Department spokeswoman Victoria Nuland expressed concern over the violence. "We want to see these issues resolved peacefully and resolved in a way that gives all Libyans confidence that they'll have a place in a future democratic Libya," she told reporters.

Pushing ahead with efforts to form a national army, Libya's interim rulers announced that Youssef Mangoush, once a special forces commander under Gadhafi, would become the new military's chief of staff. The Libyan military, still recruiting fighters and undergoing an overhaul, has yet to establish itself as a central authority on the ground.

Mangoush resigned from Gadhafi's military 10 years before the uprising in February. He joined with rebels in their quest to overthrow the longtime leader. During the fighting, he was detained in the eastern oil port city of Brega and taken to Tripoli, where he was held for four months until the opposition freed him and others when they overran the capital in August.

Despite the tenuous security situation, the interim government pushed ahead with plans for a transition to a new government.

The draft law sets out elections for a 200-member assembly, expected to be seated in June to write the new constitution. It is a first step toward the formation of a new government.

Libyans accused of rights abuses, corruption, business relations with Gadhafi's family members or regime officials would be prohibited from running in the elections if the law is passed.

The draft law allots 10 percent of seats for women and prohibits individuals with dual citizenship from running unless they revoke their non-Libyan nationality.

The law however does not lay out the guidelines for electoral constituencies and the electoral system in which candidates will run as individuals or on lists. There is also no law for political parties.

Critics believe that the criteria set to isolate former regime members from the political process are still vague, as judicial rulings are needed to decide who is guilty of corruption or human right abuses.

Veteran political opposition member Fayez Jibril pointed to a lack of a census, which is needed to decide how many representatives are needed for each constituency.

"This critical phase needs a political administration that is bold enough to take decisive positions," he said.

____

Michael reported from Cairo.

Source: http://us.rd.yahoo.com/dailynews/rss/world/*http%3A//news.yahoo.com/s/ap/20120103/ap_on_re_mi_ea/ml_libya

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