Bench Craft Company on the topic of games

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Lee bounces back, fans 12 as Phillies blank Nats

Back at his best after an unusually brief outing, Cliff Lee struck out 12 in a three-hit shutout, allowing the Phillies to overcome their own problems at the plate in a 4-0 victory over the Nationals.

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Daily Kos: Fox <b>News</b> ties suicide to Obama speech

But with the other option being to talk about the Republican plan to abolish Medicare, apparently politicizing this young man's death looked a whole lot better to Fox News. Pathetic. (h/t Balloon Juice) ...

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Small Business <b>News</b>: Small Biz Social Media Tips

In recent weeks we've shared articles on social media sites like Twitter, Facebook, LinkedIn and others. Now it's time to look at how all these tools are.

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Seas0nPass jailbreak tool has for both Windows and Mac has been updated with the latest untethered exploit to untether the jailbreak on second generation Apple TV, running on the latest iOS 4.3.1 (4.2.1)

For those of you who don’t know, Seas0nPass jailbreak tool is like PwnageTool for Mac, or Sn0wbreeze for Windows, which can can create custom jailbroken .IPSW files for your second-gen Apple TV.

Before you proceed with the jailbreak, you will need the following:

• A Micro-USB cable


• iTunes 10.2.1


• iOS 4.2.1 (Based on iOS 4.3) for Apple TV


• Seas0nPass

All download links are posted at the end of this article.

Step 1: Download and launch Seas0nPass.

Step 2: Now select “Create IPSW” option to build your own custom jailbroken 4.3.1 firmware for Apple TV.

Step 3: Now wait for Seas0nPass to download all the files required for creating custom firmware.

Step 4: When prompted by Seas0nPass, connect your Apple TV using a micro-USB cable (leave power disconnected), and hold-down both the ‘MENU’ and ‘PLAY/PAUSE’ buttons for 7 seven seconds.

Step 5: iTunes should now open automatically to start the restore process.

Step 6: iTunes will confirm the restore when complete. Once done, your Apple TV will be fully jailbroken, untethered on iOS 4.3.1.

Once complete, remove the USB cable and connect the HDMI cable.

Once you are done with the jailbreak, you can install the following apps on your jailbroken 2nd-gen Apple TV:

• How to Install XBMC Media Center on Apple TV 2G [Guide]


• Plex Has Been Ported to Jailbroken Apple TV 2G ! [VIDEO]


• How to Install NitoTV Weather and RSS App on Apple TV 2G [Jailbreak]


• Apple TV 2G Gets Web Browser and Last.fm Apps via aTV Flash [Video]


• Exposed VNC Server Plugin Enables Remote Access On Apple TV 2G

Required download links are as follows:

Download iOS 4.3.1 (4.2.1) for Apple TV
Download iTunes 10.2.1 for Mac OS X
Download Seas0nPass for Mac OS X
Download Seas0nPass for Windows

You can follow us on Twitter or join our Facebook fanpage to keep yourself updated on all the latest iPhone jailbreaking and unlocking releases.

Given the current cost of components, a prepaid contract-free iPhone with less internal storage would likely earn Apple only about 16 percent gross margin if it were priced at $300, a new analysis has estimated.



Analyst Charlie Wolf with Needham & Company took a closer look at the prospect of a hypothetical "iPhone lite," to see if it would be in Apple's best interest to build such a product. A cheaper iPhone has been viewed as a strategy that would work to Apple's advantage in emerging markets like China.



In February, both Bloomberg and The Wall Street Journal reported that Apple is working on a smaller and cheaper iPhone that it could sell contract-free. Soon after, The New York Times chimed in, and claimed that while Apple is not working on a smaller iPhone, it has explored opportunities in developing a cheaper handset.



Wolf largely agrees with the Times, and doesn't see a smaller iPhone with a new form factor as something that would be in Apple's best interest, even though it would be the easiest way to cut costs and created a cheaper handset.



"In our view, the iPhone would not be an iPhone if the display were, say, cut in half," he said. "Such a move would (dramatically) reduce the value of the iPod module for video viewing as well as the size of web sites accessed through the Safari browser. A smaller screen would also degrade the experience in using some applications, not to mention the possibility that some applications would probably have to be rewritten to accommodate a smaller screen."



iSuppli estimated that the 16GB iPhone 4, when it launched last June, carried a bill of materials of $188. The iPhone has an average selling price of $625 with a carrier subsidy, while gross margin is usually around 50 percent, suggesting that additional costs like assembly, software, testing, licenses and warrantees add up to $100 or more.



Ruling out the possibility of a smaller iPhone, Wolf said Apple could reduce internal storage from 16GB to about 4GB, but that would only reduce the bill of materials by $30 to about $157. By his estimation, such a handset would still have a total cost of $270.



"Apple would at best break even if it priced an iPhone Light at $250; and it would earn a modest 16% gross margin if it priced it at $300, which we regard as the high end of the range for a prepaid phone," Wolf wrote.



Gross margins of just 16 percent would be a number uncharacteristically low for Apple. For example, in its last quarterly results for the 2010 holiday buying season, Apple reported margins of 38.5 percent, or more than twice Wolf's estimate for a low-cost, no-contract iPhone.



"We suspect that the iPhone's designers and engineers have thought about this a lot more than we have so that the cost savings would be somewhat greater than we've estimated," Wolf said. "If, for example, the expenses incurred beyond the cost of components could be materially reduced, Apple might be able to earn a gross margin of 20% pricing the phone at $250 and 33% gross margin pricing it at $300."



The possibility of a cheaper iPhone with fewer features was hinted at by Apple Chief Operating Officer Tim Cook earlier this year. Cook, in an interview with Bernstein Research analyst Toni Sacconaghi, said Apple doesn't want its products to be "just for the rich."



Cook reportedly said that Apple is planning "clever things" to compete in the prepaid handset market. He also stated that Apple is "not ceding any market." He also referenced China, where Apple has found great success of late, and noted that it is a "classic prepaid market."

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One important thing about cities is their sex appeal — their magnetism. Places flourish when they attract people, resources, opportunities, and ideas, and match them to one another. Cities are much more than the built environment of roads and real estate. Cities are about relationships, and whether people have access to opportunities. Cities are one big dating game.

When cities lose their magnetism, the whole population suffers. The deterioration of Detroit began well before recent auto industry woes; its population plunge was confirmed by the latest Census. Some attribute decline to bad urban redevelopment schemes or corrupt politics that failed to improve schools or reduce crime. "A once-great American city today repels people of talent and ambition," a Wall Street Journal columnist wrote recently. A local leader told him, "It's been class warfare on steroids, and ... so many Detroiters who had the means — black and white — have fled the city."

Cleveland is another shrunken city with significant poverty. In the 1980s, Cleveland Tomorrow, a coalition of major company CEOs, sponsored downtown projects, including a new baseball stadium and the Rock and Roll Hall of Fame. This attracted luxury apartment developments, luring the affluent to the center city and revitalizing it. But inner city ghettoes were barely touched, and the region continued to lose high-wage manufacturing.

There's a tale of two cities within many city borders: one rich, the other very poor. Dubai, a gleaming new city of luxury high rises, is ringed by hidden slums for temporary service workers from the underclass of Asian nations. In New York, the middle class, including young families, cannot afford to live in the city. Baton Rouge has affluent areas with some of Louisiana's best quality-of-life indicators and extreme poverty areas with some of the worst. Other divides include racial and ethnic enclaves that vary in opportunities — for example, minority entrepreneurs with promising business ideas who can't access mainstream sources of capital and support.

Cities should be connectors but can have connection problems. Cities are where all parts of life come together: jobs, health, education, environmental quality. Yet, in most cities, businesses, schools, hospitals, and city services still operate in silos. And the political boundaries of cities don't encompass their true extent or the flow of people, as the Brookings' Metropolitan Policy Center points out. IBM's Smarter Cities Challenge supports efforts to use technology for connected regional solutions.

Interdependence among urban issues makes vicious cycles worse. If there is no action on high youth unemployment or poor educational quality and high school dropout rates, then too many African-American males end up in prison. High crime rates make sections of cities undesirable, and neighborhoods deteriorate. Aging buildings and toxic environments then cause health problems, such as lead poisoning or asthma, which disproportionately affect inner city children. Children in poor health have trouble learning, learning problems are associated with school dropouts, and vicious cycles continue.

Pivotal investments can start virtuous cycles. The transformation of Miami from sleepy southern city to international trade hub and informal capital of Latin America was propelled by investments in a world class airport and a flood of immigrants from Fidel Castro's Cuba. Mayors and civic leaders took advantage of this to attract new businesses and tout Latin connections, as my book World Class describes. But progress stalls if benefits don't reach the grass roots, racial divides persist, and major institutions fail to collaborate. The Miami Foundation's emerging leaders program is designed to deploy diverse younger professionals for major civic projects.

Revitalizing cities requires national urban policy investments and social innovations on the ground. Leadership might come from:

• Enlightened mayors who build public-private partnerships or join Cities of Service, which align the city and non-profits around high-impact goals.



• Business leaders, such as former Miami Herald publisher David Lawrence, who rallied Miami-Dade County to vote for a tax increase (Yes to new taxes!) to create the Children's Trust, a fund to improve life for all children.



• Faith communities, such as Rev. Raymond Jetson's community organizing toward a coalition for "A Better Baton Rouge."



• Financiers, such as Tim Ferguson and Ron Walker, who co-founded Next Street to invest in inner city businesses.



• Social entrepreneurs, such as Hubie Jones, who wants to replicate a birth-to-college educational model like the Harlem Children's Zone in Boston.



• Community foundations with a strategic perspective, seeking integrated solutions across issues such as youth employment, education, health, and green plans.

The best social innovations will connect people and institutions, producing an infrastructure for collaboration. That social infrastructure will increase the sex appeal of cities by going beyond initial attraction to build lasting relationships for lasting improvements.

Over the years, entrepreneurs and corporate executives have devised any number of clever ways for getting rich off the working poor, but you'd have to look long and hard to find one more diabolically inventive than the RAL. Say you have a $2,000 tax refund due and you don't want to wait a week or two for the IRS to deposit that money in your bank account. Your tax preparer would be delighted to act as the middleman for a very short-term bank loan—the RAL. You get your check that day or the next, minus various fees and interest charges, and in return sign your pending refund over to the bank. Within 15 days, the IRS wires your refund straight to the lender. It's a safe bet for the banks, but that hasn't stopped them from charging astronomical interest rates. Until this tax year, the IRS was even kind enough to let lenders know when potential borrowers were likely to have their refund garnished because they owed back taxes, say, or were behind on child support.

Hewitt didn't invent the refund anticipation loan. That distinction belongs to Ross Longfield, who dreamed up the idea in 1987 and took it to H&R Block CEO Thomas Bloch. "I'm explaining it," Longfield recalls, "but Tom is sitting there going, 'I don't know; I don't know if people are going to want to do that.'"

Tax-prep shops are as common as fast-food joints in many low-income neighborhoods—there are at least half a dozen on one three-block stretch of South Broadway in Yonkers, N.Y., where these photographs were taken. A few offer reasonably priced accounting, while others charge hundreds of dollars for 20 minutes of work. But Longfield knew. He worked for Beneficial Corp., a subprime lender specializing in small, high-interest loans for customers who needed to finance a new refrigerator or dining-room set. His instincts told him the RAL would be a big hit—as did the polling and focus groups he organized. "Everything we did suggested people would love it—love it to death," he says.

He also knew Beneficial would make a killing if he could convince tax preparers—in exchange for a cut of the proceeds—to peddle this new breed of loan on his employer's behalf. Ultimately, Longfield persuaded H&R Block to sign up. But no one was as smitten as John Hewitt—who understood that people earning $15,000 or $20,000 or $25,000 a year live in a perpetual state of financial turmoil. Hewitt began opening outposts in the inner cities, Rust Belt towns, depressed rural areas—anywhere the misery index was high. "That was the low-hanging fruit," he says. "Going into lower-income areas and delivering refunds quicker was where the opportunity was."

Customers wanting a RAL paid Jackson Hewitt a $24 application fee, a $25 processing fee, and a $2 electronic-filing fee, plus 4 percent of the loan amount. On a $2,000 refund, that meant $131 in charges—equivalent to an annual interest rate of about 170 percent—not to mention the few hundred bucks you might spend for tax preparation. "Essentially, they're charging people triple-digit interest rates to borrow their own money," says Chi Chi Wu, a staff attorney at the National Consumer Law Center.

In 1988, the first year he began offering the loans, Hewitt owned 49 stores in three states. Five years later, he had 878 stores in 37 states. And five years after that, when Cendant Corp.—the conglomerate that owned Avis, Century 21, and Days Inn—bought Jackson Hewitt for $483 million, his earliest backers received a $2 million payout on every $5,000 they'd invested. Today, with 6,000 offices scattered across the country, Jackson Hewitt is more ubiquitous than KFC, and has about as many imitators.

 

THERE WOULD BE NO refund anticipation loans, of course, without tax refunds. And by extension there would be no RALs without the Earned Income Tax Credit, the federal anti-poverty initiative that served as the mother's milk nourishing the instant-refund boom. Welfare reform was the catalyst for the EITC, which was aimed at putting extra cash in the pockets of low-income parents who worked. What motive does a single mother have to get a job, conservative thinkers asked, if there was scant difference between her monthly take-home pay and a welfare check? It was Richard Nixon who first floated the idea that led to the Earned Income Tax Credit; Ronald Reagan dubbed it "the best pro-family, the best job creation measure to come out of Congress." In 2007, the US Treasury paid out $49 billion to 25 million taxpayers.

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HealthLawProf Blog: MRSA <b>News</b>

TrackBack. TrackBack URL for this entry: http://www.typepad.com/services/trackback/6a00d8341bfae553ef01538dd79809970b. Listed below are links to weblogs that reference MRSA News: ...

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Google <b>News</b> Blog: New Google <b>News</b> for Opera Mini

While the Google News team has been hard at work redesigning our service for smartphones, we've also been thinking about our milllions of users around the world who access the web not from a smartphone, but from a feature phone, ...