Saturday, 28 July 2012

Forget Traditional Tours; Discover New Ways to Travel With Vayable

[More from Mashable: 10 Budget Airfare Tools Every Traveler Should Know]

Name: Vayable

Quick Pitch: Vayable is a marketplace for travelers seeking unique traveling experiences.

[More from Mashable: Take a Brain Break With Stunning Road Trip Across America [VIDEO]]

Genius Idea: Discover, book and sell authentic experiences and tours with local and experienced tour guides.


If you?re planning to travel, why not fly to Fiji and fish with a Fijian king? Or how about spend a night in Alcatraz with just you and your friends?

Travelers interested in authentic experiences like these can now find them on Vayable - a marketplace that lets people discover, book and sell unique, local experiences in more than 600 cities worldwide. Instead of booking tours through travel agencies, Vayable lets you book them directly through experienced travelers or tour guides.

Vayable has more than 2,500 tour guides who are either seasoned experts ? experienced travelers or tour guides, or savvy locals ? guides that know everything from the culture to the history of the city they live in. Once a tour is booked, travelers can connect with tour guides via direct messages.

?Travel agents can?t be experts at every place around the world,? Jamie Wong, CEO of Vayable, told Mashable. ?Every one of our guides is an expert of their own towns and part of a community that they are passionate about.?

Travelers can search for unique trips and tours by destination. Once they select an experience and a few times available times, Vayable will authorize their credit card information. Credit cards are not charged until the guide confirms the experience within 24 hours.

As soon as the booking is confirmed, travelers can use direct messages to communicate with the tour guide, ask them questions and request any changes.

?Cutting out the middle man provides a better, more affordable experience because there?s more accountability from both sides of the marketplace? says Wong.

Founded in April 2011, Vayable screens each guide during an interview before they can offer an experience or tour. For each booking, the company charges a 3% service charge to travelers and takes 15% of the total booking price.

This story originally published on Mashable here.

Source: http://news.yahoo.com/forget-traditional-tours-discover-ways-travel-vayable-233828399.html

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Investing in a Zero Return World - CNBC

[unable to retrieve full-text content]Dr. Bill Irving, Fidelity Investments, offers insight on investing in a zero return world. "I can see the Fed waiting until end of the year to announce QE3," he says.

Source: http://www.cnbc.com/id/15840232?video=3000105695&play=1

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Friday, 27 July 2012

DIY Keyboard Controller Built for Serious Online Gaming - How-To ...

This build is a Frankensteinish mixture of parts from computer mice, game controllers, and more?but the end result is a polished and plug-and-play controller suitable for a wide range of games.

The build comes to us courtesy of DIYer Gabe and his quest to build the ultimate controller for playing MMO and other computer games. Here?s his list of noteworthy features on the second version of his project:

  • USB plug and play. Universally works with any PC game.
  • Optical 1600 DPI trackball mouse, with backlit scroll wheel.
  • Screw in detachable analog stick for the D-pad. Great for games like WoW or anything where all you do is hold forward (W) for hours.
  • D-pad uses mouse micro switches for a quick, light, tactile response. I love this D-pad. Every D-pad should use these switches.
  • Both triggers, as well as the left and right bumpers use mouse micro switches as well.
  • Keyboard has all PC functions, and is backlit for playing at night.
  • 10 foot long braided USB cord. Long enough for using in the living room to play games with a huge TV. It also doesn?t tangle which is sweet.
  • No hot glue! Everything has it?s own custom made board with screwposts. This way it is easily serviceable should someone get nacho bits in the buttons.

For more information about the build including plenty of pictures and a parts list, hit up the link below.

Keyboard Controller V2 [via Hack A Day]

Source: http://www.howtogeek.com/120096/diy-keyboard-controller-built-for-serious-online-gaming/

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Solo-professionals! Where's your road map to good results? | Buy ...

Description

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Source: http://www.telferbooks.com/solo-professionals-wheres-your-road-map-to-good-results-2/

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Thursday, 26 July 2012

Somalia constitution allows abortion to save mom

In this photo of Wednesday July 25, 2012, Somalia's constituency assembly members hold up copies of the proposed new constitution during the beginning of a nine-day meeting on Wednesday to examine, debate and vote on the proposed new constitution, in Mogadishu, Somalia. Somali leaders are debating a new constitution that protects the right to abortion to save the life of the mother and bans the circumcision of girls. (AP Photo/Farah Abdi Warsameh)

In this photo of Wednesday July 25, 2012, Somalia's constituency assembly members hold up copies of the proposed new constitution during the beginning of a nine-day meeting on Wednesday to examine, debate and vote on the proposed new constitution, in Mogadishu, Somalia. Somali leaders are debating a new constitution that protects the right to abortion to save the life of the mother and bans the circumcision of girls. (AP Photo/Farah Abdi Warsameh)

In this photo of Wednesday, July 25, 2012, Somali President Sharif Sheik Ahmed, centre, Somali Prime Minister, Abdiwali Mohamed Ali, right, and Somali Parliament Speaker Sharif Hassan Sheik Adan, left, stand together during opening ceremony during the beginning of a nine-day meeting on Wednesday to examine, debate and vote on the proposed new constitution, in Mogadishu, Somalia. Somali leaders are debating a new constitution that protects the right to abortion to save the life of the mother and bans the circumcision of girls. (AP Photo/Farah Abdi Warsameh)

In this Wednesday, July 25, 2012 photo, Somali President Sharif Sheik Ahmed speaks during the opening ceremony for the beginning of a nine-day meeting on Wednesday to examine, debate and vote on the proposed new constitution, in Mogadishu, Somalia. Somali leaders are debating a new constitution that protects the right to abortion to save the life of the mother and bans the circumcision of girls. (AP Photo/Farah Abdi Warsameh)

(AP) ? Somali leaders are debating a new constitution that protects the right to have an abortion to save the life of the mother, and an international law group says the draft guarantees more fundamental rights than the U.S. Constitution.

That's one reason some women are celebrating the document and hardline conservatives are protesting some of its more liberal promises.

But some of the rights introduced, such as the right to medical care or clean, potable water, will be hard for the government to guarantee in a country where basic needs like food are not always met. While other elements, such as banning the circumcision of girls, a practice the U.N. says more than 95 percent of women have undergone, will take years to banish.

Somali leaders ? 825 of them ? began a nine-day meeting on Wednesday to examine, debate and vote on the constitution, a document that's been years in the making. A vote by the group, known as the National Constituent Assembly, is likely to be held late next week and is a key step in a flurry of political activity in Somalia over the next month.

The U.N. mandate for Somalia's current government expires on Aug. 20, and Somali leaders are to vote on the constitution, vote in a new 275-member parliament and then vote on a president all before then. If the assembly votes down the constitution, the new parliament will have to debate it and then vote on it.

Somali Prime Minister Abdiwali Mohamed Ali, who for years lived in western New York, called the gathering of Somali leaders a milestone and said the new constitution "is a symbol of justice and equality for our people and country." He said that the new constitution is only meant to be temporary. The eventual goal is to pass a constitution by countrywide vote, but the security, money and organization needed to hold a nationwide vote is still years away. Al-Shabab militants were pushed out of Mogadishu last year but still rule south-central Somalia.

The current constitution is the Transitional Federal Charter, which was written in 2004. Meant only as a temporary charter, it contains fewer rights than are spelled out in the new draft constitution.

The draft constitution makes it clear that Islamic law is the basis for Somalia's legal foundation. No religion other than Islam can be propagated in the country and all laws must be compliant with Shariah ? Islamic ? law. Despite those clauses, the constitution also says that "every person is free to practice his or her religion," though no other religions are mentioned in the document.

The draft guarantees minority rights but does not mention homosexuality. It says no marriage is legal without the consent "of both the man and woman," a formula that appears to define marriage as a heterosexual institution but one that also forbids child marriage.

Augustine P. Mahiga, the U.N. representative for Somalia, said the constitution will "bring Somalia into the 21st century on issues such as fundamental human rights and freedoms, including empowerment of women."

But women's rights in a country as conservative as Somalia is sparking debate between conservative hard-liners, progressive leaders and women. Draft language in some government documents stipulates that 30 percent of the parliament seats should be held by women, but the draft constitution offers no such guarantee.

"Our religion does not allow women to hold an elected position in the country," Sheikh Mohamed Abdi, the leader of a Mogadishu mosque. "So this is a clear contradiction to the teaching of Islam."

The prime minister's office, in an emailed news release, sent out a picture showing a woman holding up a sign at the meeting of 825 leaders on Wednesday: "Where is our 30 percent?" it said in English.

"We believe this is the best constitution we have ever seen in Somalia," said Salado Nur, a member of the assembly. "We hope the violation of women's rights will decrease or be stopped completely."

The English translation of the Somali language constitution is 88 pages long. It was drafted by international law experts and members of the Somalia Diaspora who have lived in the U.S., Canada, Britain and Australia, said Kym Smithies, a U.N. spokeswoman.

That international expertise and the overseas experience of the Somali ex-pats may explain the draft's numerous individual rights.

The International Development Law Organization, a group that offers legal expertise and resources to governments and civil society groups, said earlier this month that it compared Somalia's draft constitution for the presence of fundamental rights to those from 53 of the 56 member states of the Organization of the Islamic Conference, as well as the constitutions of Italy and the U.S.

"Notably, across the 45 fundamental rights surveyed, the draft Somali constitution guarantees 36, which places Somalia in the top five of the countries surveyed in terms of these rights," the group said. "The Somali (draft constitution) guarantees six more fundamental rights than the Constitution of Italy, and 15 more than the Constitution of the United States of America."

For all of the rights that the constitution enshrines, its most controversial issue for some members of the constituent assembly is that it does not expressly cite Mogadishu as Somalia's capital.

"Mogadishu has been Somalia's capital for the past hundreds of years and that has been stipulated in all of Somalia's constitutions and charters," Yusuf Nor, a high school teacher in Mogadishu said. "Why not just say Mogadishu is the capital of Somalia? What is the problem with that?"

Somalia adopted an initial constitution after gaining independence from Britain and Italy in 1960 and updated it in 1979. But Somalia's government structure broke down completely in 1991, when the country fell into civil war, and the country has not seen a true federal government since.

The international community is now working to help legitimize a new federal government that can assert control over the country, a task made more difficult by years of warfare and corruption.

Also, the new draft constitution appears to make promises that will be hard for the government to keep. In a country where basic needs like food are not always met, the constitution says that every person has the right to clean, potable water. Every person has the right to health care, even if they can't pay for it, the draft says, another difficult-to-fulfill promise.

No marriage is legal without the consent of both the man and the woman, it says. No child may perform work that is not suitable for a child's age ? another clause that defies reality in a country where an enormous number of children work. Each child is to be protected from armed conflict, it says. Somalia has a history of child soldiers on both the government and insurgent side.

"All citizens, regardless of sex, religion, social or economic status, political opinion, clan, disability, occupation, birth or dialect shall have equal rights and duties before the law," it says. Circumcision of girls is "a cruel and degrading customary practice, and is tantamount to torture. The circumcision of girls is prohibited."

The draft constitution says that abortion is contrary to Shariah law and is prohibited "except in cases of necessity, especially to save the life of the mother."

Sheema Sen Gupta, head of child protection at UNICEF Somalia, lauded the government's work to ban female circumcision. "There is however a need now to work closely with the religious leaders who have been very supportive of our efforts to end this practice and with community elders to ensure that it is abandoned as soon as possible," she said.

___

Straziuso reported from Nairobi, Kenya.

___

On the Internet:

Somalia draft constitution: http://tinyurl.com/bp2c3cx

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2012-07-26-Somalia-Constitution/id-371beb5eaf924646b787521d9216eccc

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Mortgage Refinancing Activity Reaches 3-Year High | AOL Real Estate


By Kerri Ann Panchuk

The number of mortgage applications filed in the U.S. edged up a slight 0.9 percent for the week ending July 20 as refinance activity hit a three-year high, an industry trade group said.

The Mortgage Bankers Association noted its refinance index grew 2 percent from the previous week, its highest level since April 2009. Meanwhile, home purchases slowed with the seasonally adjusted purchase index falling 3 percent from the previous week.

Refinance activity made up 81 percent of all mortgage applications, a slight increase from 80 percent a week earlier.

In addition, the 30-year, fixed-rate mortgage with a conforming loan balance held steady at 3.74 percent, its lowest rate in history. The 30-year, FRM for jumbo loans grew to 3.99 percent from 3.98 percent, while the 30-year, FRM backed by the FHA fell to 3.52 percent from 3.55 percent.

The 15-year, FRM fell to 3.07 percent from 3.12 percent, and the average contract interest rate for 5/1 ARMs declined to 2.68 percent from 2.71 percent.

See also:
Barbara Corcoran on Refinancing Do's and Don'ts
Despite Record Low Rates, Refinancing May Not Be Best Bet


More on AOL Real Estate:
Find out how to calculate mortgage payments.
Find
homes for sale in your area.
Find
foreclosures in your area.
Find homes for rent in your area.

Follow us on Twitter at @AOLRealEstate or connect with AOL Real Estate on Facebook.

Source: http://realestate.aol.com/blog/2012/07/25/mortgage-refinancing-hits-three-year-high/

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