Saturday, March 13, 2010

On/Off: Can South Koreans survive without the web?

On/Off: Can South Koreans survive without the web?

Kukdong Apartments
Like most of Seoul, the Kukdong apartments are all wired up to the web

By John Sudworth
BBC News, Seoul

South Korea is often called the world's most wired society, boasting the fastest average broadband speeds on the planet. What happens when you ask two families to live without the web for one week?

It was never going to be easy, asking South Koreans to sign up, turn off and plug out.

I was looking for members of this hyper-connected country who were willing to spend seven long days in offline solitude, while the rest of the online world roared on without them.

We targeted one particular Seoul tower block, the Kukdong Riverside Apartments in central Seoul.

It is home to more than 100 high-rise flats providing small but comfortable homes of the kind familiar to millions of ordinary South Koreans.

I trudged the stairwells and knocked on doors. I plastered the building with posters asking for volunteers. And I called a community meeting.

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John Sudworth finds it tough to drum up volunteers for the experiment

But for many of the residents, a world without the web simply wasn't conceivable.

Some schoolchildren are now asked to file their homework assignments online, so parents were naturally reluctant to unplug them.

Other people said they ran their own internet businesses, or worked from home, or simply couldn't face life without the habit that web-browsing has become.

logo

A season of reports from 8-19 March 2010 exploring the extraordinary power of the internet, including:

Digital giants - top thinkers in the business on the future of the web
Mapping the internet - a visual representation of the spread of the web over the last 20 years
Global Voices - the BBC links up with an online community of bloggers around the world

They wanted news, views and social networks all to stay within easy reach.

But in the end the effort paid off.

Two families bravely stepped forward to take the plunge, fully aware that our little experiment would cause them considerable inconvenience.

Firstly the Kims: they are a highly wired family with two teenage boys, the youngest of whom, Seung-yeon, is a talented computer programmer who spends up to six hours online every day.

Next, the Yangs: they are a family with younger sons, but who are, nonetheless, just as dependent on the web. Most of the TV channels that the two boys enjoy are piped into the home over the internet.

And their mother, Jung-a, admits to a two-hour-a-day web browsing habit.

So, with the families braced for a week of internet abstinence, all we needed was for someone to help us pull the plug.

That job fell to Mr Song, an engineer from Korea Telecom.

He left carrying the two internet modems, one from each household, tucked under his arm, and the project was under way.

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The families brace themselves as a Korea Telecom engineer takes away their modems

For both families there were, of course, a number of instant practical difficulties.

Pushing a trolley around her local supermarket, Jung-a told me that she normally does most of her shopping online.

She's not alone. In 2008, the total size of the South Korean e-commerce market reached more than $600bn.

This is due in no small part to the role of the government, which has invested in digital infrastructure and framed policies to regulate competition and protect consumers.

And the South Korean state itself has turned into a kind of online shop, offering a wide range of services over the internet including tax and benefits payments.

The Kims are also struggling without access to such innovations.

Hye-sook runs an online blog for other school mums.

Now temporarily cut off, she's forced to meet them in the real world.

"It's been so inconvenient," she tells me. "It's normally easy to arrange a meeting - I just post a notice on our internet forum, but this time I've had to telephone everyone individually."

Rejuventated youth

These small difficulties are predictable enough.

But as the week progresses, the families report a psychological reaction, too.

Yang Hyo-sik
The Yang children began playing more traditional games...

Without access to the online news networks, now the most common way that information about the outside world finds its way into the home, both families talk about an unnerving sense of isolation.

A recent survey showed that 68% of South Koreans get their news from the internet, compared with just 32% who still read newspapers.

But all of our volunteers agree that there is also a positive side to the experience.

Freed from their computers, they find that they're spending more time with each other.

In the Kim household, Seung-yeon is practising the piano more, books are being read and board games have been rediscovered.

Hye-sook is pleased with the effect the experiment is having on her eldest son.

For the first time in a long time, she's finding the whole family dressed and ready for breakfast in the morning.

"Normally Sung-jun would be in bed after playing internet games all night. It's been a long time since I've seen him up this early," she tells me.

And then, with sighs of relief all round, our brief experiment is over.

As promised, Mr Song returns with the modems.

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The families are relieved to get back to normal

Of course, seven days without the internet was never really going to be too much of an ordeal.

But it has delivered our families some surprises and, they all admit, shown them just how much they have come to rely on the web.

The Yangs say they will change their behaviour as a result.

"After finishing my morning chores I used to spend between two and three hours online," Jung-a tells me.

"That's time spent alone. But, during the experiment I've even had the time to drink tea with neighbours, so I'm going to regulate time spent online from now on."

But would either of the families consider giving it up for good?

"It would be the same as asking if you could cut off my electricity for a week," Cho Hye-sook laughs.

"Lose the internet for another seven days? It's a real 'No thank you,' I'm afraid. I don't want to go through this again."

Source

Clinton rebukes Israel over East Jerusalem homes

Clinton rebukes Israel over East Jerusalem homes

Israeli riot police in East Jerusalem
Tensions are high in East Jerusalem after the Israeli announcement

US Secretary of State Hillary Clinton has sharply rebuked Israel over its recent decision to build new settlements in East Jerusalem.

She told Israeli PM Benjamin Netanyahu by telephone that the move was "deeply negative" for US-Israeli relations.

The BBC's Washington correspondent, Kim Ghattas, says it was a rare and sharp rebuke from Washington.

Israel's announcement overshadowed a visit by US Vice-President Joe Biden aimed at restarting peace talks.

Since then the Palestinians have indicated they will not return to the negotiating table unless the Israeli decision is revoked.

Apology

America's top diplomat delivered her rebuke during a 43-minute telephone conversation with Mr Netanyahu, the US state department said.

US state department spokesman PJ Crowley said Mrs Clinton called "to make clear that the United States considered the announcement to be a deeply negative signal about Israel's approach to the bilateral relationship and contrary to the spirit of the vice-president's trip".

Hillary Clinton (file image)
Hillary Clinton called on Israel to show commitment to the peace process

"The secretary said she could not understand how this happened, particularly in light of the United States's strong commitment to Israel's security," he added.

"She made clear that the Israeli government needed to demonstrate not just through words but through specific actions that they are committed to this relationship and to the peace process."

The Quartet of Middle East peace mediators - the US, Russia, the EU and the UN - also condemned the Israeli housing announcement and said it would review the situation at its ministerial meeting scheduled for 19 March in Moscow.

Mr Netanyahu earlier apologised for the timing of the settlement announcement, which was made as Mr Biden was holding a day of talks in Jerusalem.

He said he had summoned Interior Minister Eli Yishai to reprimand him.

Israeli and Palestinian leaders had agreed to hold indirect, "proximity talks" in a bid to restart the peace process, which has been stalled for more than a year.

But after the announcement, the Palestinian Authority said talks would be "very difficult" if the plans for the homes were not rescinded.

Close to 500,000 Jews live in more than 100 settlements built since Israel's 1967 occupation of the West Bank and East Jerusalem. They are illegal under international law, although Israel disputes this.

The latest announcement by the Jerusalem municipality approves 1,600 new housing units in the East Jerusalem settlement of Ramat Shlomo.

POINTS OF TENSION IN JERUSALEM
Map of Jerusalem
1 Gilo: 850 homes approved for publication and planning objections in Nov 2009
2 Pisgat Zeev: 600 homes approved for publication and planning objections in Jan 2010
3 Sheikh Jarrah: Several Palestinian families evicted in past 18 months to make way for Jewish settlers after court ruled in ownership dispute
4 Ramat Shlomo: 1,600 homes approved for publication and planning objections in Mar 2010
5 Silwan: Demolition orders on 88 Palestinian homes built without difficult-to-get permits - Israel planning controversial renewal project
6. West Bank barrier: Making Palestinian movement between West Bank and Jerusalem harder - Israel says it's for security

Source

Ex-Senate Parliamentarian on Rules of the Senate



Very good informational video on the inefficiencies of the senate, and the advantages of such inefficiencies.

Thursday, March 11, 2010

Israel's continued settlement expansion



Israel has been expanding illegal settlements on occupied Palestinian land for decade, and it is now emerging just how far-reaching this policy is.

According to the Israeli newspaper Haaretz, the Jerusalem housing committee is planning to build another 50,000 Jewish homes in occupied East Jerusalem to join the hundreds of thousands already there or in progress.

That includes 3,000 housing units in Gilo, 1,500 apartments in Har Homa and another 1,500 in the settlement of Pisgat Ze'ev.

Thousands more have been planned at Givat Hamatos, and the settlement of Ramot, while hundreds more are in the works in Armon Hanetziv, as well as Neveh Yaakov.

Al Jazeera's Sherine Tadros reports (12 mar 2010).

Cyprus conflict closes leaders' eyes to water shortage

Cyprus conflict closes leaders' eyes to water shortage

Sheep cross the parched Kouris reservoir during the 2007 drought

Water has been rapidly disappearing in Cyprus since the 1970s, but conflict between Turkish and Greek communities means fixing the problem is not high on the political agenda. Alex Bell finds that Cypriots are now struggling for control of land that is slowly dying.

Here is a story: an old man from the Troodos hills of central Cyprus rises to his feet at a public meeting about the environment. He says that when he was young, his school teacher asked the class who could swim, and about half the hands went up.

Then the teacher said: "Who has been to the beach?" and this time, only two hands went up.

The moral of the story? I'll come back to that in a moment.

Cyprus

We are in Nicosia, one of Europe's last divided cities, and the focus of a bitter and bloody feud between Greek Cypriots and Turkish Cypriots.

It goes back to 1974, when the island was divided, as Turkish troops invaded - following a collapse of the Cypriot government.

It goes back further, to 1963, when the UN mission began here - never to leave as it tried to keep the sides apart.

It goes back further still, to 1960, when the British left - knowing, surely, that claims of peace on this Mediterranean island, tucked in the armpit between Turkey and Israel, might never come to bloom. It keeps on going back and back…

Water war

I am here to cover a war - but not the one that has seen shabby oil drums erected in higgledy-piggledy piles as barriers dividing the city.

Kouris reservoir
Water stocks have been hit by a series of droughts in recent years

The war I'm interested in is the water war - not an armed conflict, but a struggle nonetheless, between people and a rapidly disappearing resource.

The alarming thing, for those working to ease this new conflict, is that Cypriots don't even seem to realise that hostilities between them and nature have begun.

Charalampos Theopemptou is the Greek Cypriot side's Environment Commissioner, and it was he who told me the story about the old man in the classroom. He explains its meaning: that within living memory Cyprus was wet - there were plenty of rivers and lakes to swim in. Now, they are all gone.

The island has reached what geographers call Peak Water - when demand meets and then outstrips supply.

Peak Oil is already a familiar concept, and commands international attention. However, water, despite being central to life, is having a much harder time getting on to the political radar.

Dying land

Dig into the details of the current war and it seems to have less to do with fighting than it does with land.

The irony is that the Cypriots, all of them, are fighting over land, which is slowly dying

The issue that stalls peace talks is the question of houses and farms that were seized in the 1974 conflict. On both sides, people would like their houses back, or a cheque in compensation.

The gradual effect of increasing wealth, EU membership for the south, and the opening of the borders, has defused tension, and means that the eternal subject of property prices is now at the heart of the issue.

The irony is that the Cypriots, all of them, are fighting over land, which is slowly dying.

The famous trees of Cyprus are rotting on their waterless roots, turning to dry kindling as they stand in the blazing sun.

Ever since the 1970s, rainfall has been scarcer, meaning far less water reaching the reservoirs.

For the past four decades, getting enough water to the farms and the people has been a struggle.

The general dampness of nature is drying up, like a rag that is being wrung ever tighter.

This is why the European Commission believes Cyprus is the canary in the coalmine: what happens on this island is threatened to happen all across the drier parts of the continent.

Experts agree that this crisis can be tackled, but first you have to recognise it's there - and that's part of the problem.

Even the proposed solutions can be problematic.

Desert resort

Nicos Vassillou is a small man in his 70s with decades of experience planning and consulting for the Cypriot government. You might also call him a visionary.

He believes he has a way to solve Cyprus's problems in one fell swoop - a plan for a pipeline from the Turkish mainland to Cyprus, which will not only meet current demand, but also supply extra to irrigate the parched fields.

Turkish occupied northern Cypriot village of Bellapais
Tourism is a key industry particularly in the Turkish-controlled north

As we talked in a hotel lobby, he painted me a picture of the island transformed back into a verdant paradise and one where peace might reign.

But the Cypriot government is sceptical - not least because this plan would hand control of the water supply to Ankara, its sworn enemy. And it seems that it still can't quite believe the water will really run out.

It has put its money behind de-salination plants, powered by oil-fired electricity stations, which it hopes will supply the cities with water by 2012.

It has also regularly imposed water rationing - but has turned its back on water conservation and recycling schemes, or even fixing the leaking water pipes.

The irony is that Cyprus is already considered a kind of paradise by many people - its main business is tourism, and selling property to north Europeans looking for a warmer life.

The question is, will anyone want to come and swim here at all if the holiday resorts are no more than manufactured oases within a desert?

While the real, political war steals the headlines for now, the water war is threatening to steal the future of a place once known as the Green Island.

Source

80% of all mortgages were Bank's faults, not the people getting the loans

http://www.wnyc.org/shows/bl/episodes/2010/03/11/segments/151503

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FINANCIAL CRIMES REPORT TO THE PUBLIC

Federal Bureau of Investigation Seal


MAY 2005

The FBI investigates mortgage fraud in two distinct areas: Fraud for Profit and Fraud for Housing. Fraud for Profit is sometimes referred to as "Industry Insider Fraud" and the motive is to revolve equity, falsely inflate the value of the property, or issue loans based on fictitious properties. Based on existing investigations and mortgage fraud reporting, 80 percent of all reported fraud losses involve collaboration or collusion by industry insiders. Fraud for Housing represents illegal actions perpetrated solely by the borrower. The simple motive behind this fraud is to acquire and maintain ownership of a house under false pretenses. This type of fraud is typified by a borrower who makes misrepresentations regarding his income or employment history to qualify for a loan.

The defrauding of mortgage lenders should not be compared to predatory lending practices which primarily affect borrowers. Predatory lending typically effects senior citizens, lower income and challenged credit borrowers. Predatory lending forces borrowers to pay exorbitant loan origination/settlement fees, sub-prime or higher interest rates, and in some cases, unreasonable service fees. These practices often result in the borrower defaulting on his mortgage payment and undergoing foreclosure or forced refinancing.

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MORTGAGE FRAUD INDICATORS

Inflated Appraisals
• Exclusive use of one appraiser

Increased Commissions/Bonuses - Brokers and Appraisers
• Bonuses paid (outside or at settlement) for fee-based services
• Higher than customary fees

Falsifications on Loan Applications
• Buyers told/explained how to falsify the mortgage application
• Requested to sign blank application

Fake Supporting Loan Documentation
• Requested to sign blank employee or bank forms
• Requested to sign other types of blank forms

Purchase Loans Disguised as Refinance
• Purchase loans that are disguised as refinances
requires less documentation/lender scrutiny

Investors-Short Term Investments with Guaranteed Re-Purchase
• Investors used to flip property prices for fixed percentage
• Multiple "Holding Companies" utilized to increase
property values

~~~~~~~~~~~~~~~~~~~~~~~~~

COMMON MORTGAGE FRAUD SCHEMES

Property Flipping - Property is purchased, falsely appraised at a higher value, and then quickly sold. What makes property illegal is that the appraisal information is fraudulent. The schemes typically involve one or more of the following: fraudulent appraisals, doctored loan documentation, inflating buyer income, etc. Kickbacks to buyers, investors, property/loan brokers, appraisers, title company employees are common in this scheme. A home worth $20,000 may be appraised for $80,000 or higher in this type of scheme.

Silent Second - The buyer of a property borrows the down payment from the seller through the issuance of a non-disclosed second mortgage. The primary lender believes the borrower has invested his own money in the down payment, when in fact, it is borrowed. The second mortgage may not be recorded to further conceal its status from the primary lender.

Nominee Loans/Straw Buyers - The identity of the borrower is concealed through the use of a nominee who allows the borrower to use the nominee's name and credit history to apply for a loan.

Fictitious/Stolen Identity - A fictitious/stolen identity may be used on the loan application. The applicant may be involved in an identity theft scheme: the applicant's name, personal identifying information and credit history are used without the true person's knowledge.

Inflated Appraisals - An appraiser acts in collusion with a borrower and provides a misleading appraisal report to the lender. The report inaccurately states an inflated property value.

Foreclosure Schemes - The perpetrator identifies homeowners who are at risk of defaulting on loans or whose houses are already in foreclosure. Perpetrators mislead the homeowners into believing that they can save their homes in exchange for a transfer of the deed and up-front fees. The perpetrator profits from these schemes by remortgaging the property or pocketing fees paid by the homeowner.

Equity Skimming - An investor may use a straw buyer, false income documents, and false credit reports, to obtain a mortgage loan in the straw buyer's name. Subsequent to closing, the straw buyer signs the property over to the investor in a quit claim deed which relinquishes all rights to the property and provides no guaranty to title. The investor does not make any mortgage payments and rents the property until foreclosure takes place several months later.

Air Loans - This is a non-existent property loan where there is usually no collateral. An example of an air loan would be where a broker invents borrowers and properties, establishes accounts for payments, and maintains custodial accounts for escrows. They may set up an office with a bank of telephones, each one used as the employer, appraiser, credit agency, etc., for verification purposes.

Source

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Commentary

As Michael Moore said, we all have people in our family that live above their means. But those people have never caused a Financial meltdown.

People don't like loosing their home, and don't like destroying their credit. There is absolutely no history of that in America, this Mortgage meltdown is unique in that sense.

When you take all the factors into consideration you find that, as the FBI says, 80% of bad loans were manipulated and made corrupt from the very start.

Don't blame the borrowers and the victims, blame the LOAN SHARKS.

Scientists solve half-cock chicken mystery

Scientists solve half-cock chicken mystery

Half and half chicken reflected in mirror
The left, white, side of this bird is male. The right, brown, side is female.

By Huw Williams
BBC Scotland reporter

Researchers say they've solved the mystery of why some chickens hatch out half-male and half-female.

About one in every 10,000 chickens is gynandromorphous, to use the technical term.

Half and half chicken
Half-and-half chickens give a unique insight into how birds develop

In medieval times, they might have been burned at the stake, as witches' familiars.

But now these chickens are shedding important new light on how birds, and perhaps reptiles, develop.

It used to be thought that hormones instructed cells to develop in male or female-specific ways.

That's what happens in mammals, including humans, and it leads to secondary sexual characteristics like facial hair for men or breasts for women.

But scientists at the Roslin Institute and the University of Edinburgh say they have discovered that bird cells don't need to be programmed by hormones.

Instead they are inherently male or female, and remain so even if they end up mixed together in the same chicken.

It means a half-and-half chicken will have totally different plumage, body shape, and muscle structure on the two halves of its body.

It even affects the wattles on the bird's head, and the spurs on its legs. They will be larger on the cockerel half, and smaller on the hen half, of the same bird.

Practical uses

Dr Michael Clinton of the Roslin Institute led the research, which has just been published in the scientific journal Nature.

He said the findings were a surprise.

Dr Clinton explained: "We looked at these birds initially expecting them not to be half-male and half-female. We thought there'd be a mutation on one side of the body.

Dr Michael Clinton
Dr Michael Clinton of the Roslin Institute led the research

"But we found that they were half-male and half-female and that's what actually showed us that the system was different in birds and mammals."

And researchers tested their theory with delicate and demanding experiments.

"If you put female cells into a male body they'll develop into the normal tissues, but they'll behave as female cells," Dr Clinton said.

The hope is that these findings might have immediate practical uses for the poultry industry.

Dr Clinton said: "If we can understand what the differences between the male and female identities are, then we can imagine making female birds with the same growth characteristics as males. That would increase productivity, and food security."

But if there are vestiges of the same mechanism in mammals, inherited from our reptilian evolutionary ancestors, then the research could help to answer long-standing mysteries of human health.

Like, for example, why women live longer than men, or why men are more at risk of heart attacks.

"But that will require much more investigation," Dr Clinton insisted.

Source

Michael Moore's 'Capitalism: A Love Story' DVD Extra Preview - Worker-Owned Businesses ~~~~ The business of business is business

Alan Grayson Introduces Public Option Act



Profit does ensure me that I'm safe.

Profit means greed. Denying my coverage is the way. My life is the cost.
I want no part in that system.

Let me have my Medicare Buy in.

Congressman Kucinich Slams Obama & Healthcare Bill



I'm with you all the way Kucinich. Vote no if you have to. You're a man of principle and strong foundations. We need more congressman like that.

Get them to give you a strong public option or a medicare buy in. They either do that or get out. It's that simple Obama. That simple.