Wednesday, December 7, 2011

Life Insurance Basics

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21 Questions ?I ?No Attempts Yet ?I ?Created By cshawnpujol 2 hours 11 mins ago

Question Excerpt From Life Insurance Basics

Q.1)?

Which Person Use of Life Insurance is NOT correctly matched wit the explanation

A.
B.
C.
D.
Q.2)?

What is a viatical settlement?

Q.3)?

During Human Life Value Apporach, you determine insured's after-tax income from ___________ to retirement.?

Q.4)?

The predicted needs of family after the premature death of the insured is referred to as the _______ approach.

Q.5)?

Which of the following are lump sum needs associated with death

B.
D.
Q.6)?

Estate tax, day care, and insurance premiums are considered lump sum needs.

Q.7)?

Debt Concellation does not pay off debts.

Q.8)?

What is an emergency reserve for determining lump sum needs?

Q.9)?

Determining Lump Sum Needs includes does not include which of the following:

C.
Q.10)?

When is the social security blackout periond?

Q.11)?

The two types of partnership funding methods include the cross purchase method and the entity purchase method.

Q.12)?

Buy-sell funding is a personal use of life insurance.

Q.13)?

___________________________ method is when the partnership buys the policies on the partners (better for more than 2 partners).

( 2 words )
Q.14)?

What are the two corporate funding methods?

Q.15)?

A stock purchase method is

A.
B.
C.
D.
Q.16)?

The employee would need to give permission for "Key Person" coverage.

Q.17)?

For executive bonuses (aka IRS section 162 Plan)-- the amount of the raise is tax-deductible to the employer and income is ________ to the employee.

Q.18)?

What are the two classes of life insurance policies?

Q.19)?

Industrial or Home Service Insurance are written in small amount (less than 1000)

Q.20)?

A physical exam is not required for ordinary life insurance.

Q.21)?

Permanent policies remain in effect until age _____________.

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Source: http://www.proprofs.com/quiz-school/story.php?title=life-insurance-basics

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Tuesday, December 6, 2011

PFT: 49ers dominate Rams, clinch NFC West

Broncos Vikings FootballAP

The 13th Sunday of the NFL season brought bad luck for plenty of teams.? But good luck for others.

And that?s the extent to which I?ll force a triskaidekaphobia-inspired introduction onto this week?s edition of the Monday 10-pack.

Actually, I could also expand the normal list of 10 takes to 13.? Luckily enough, I know not to take on the extra work.

1.? Packers close in on 16-0.

Many believed that, if the Packers could get past the giant-killing Giants in Week 13, the defending Super Bowl champs would be virtually guaranteed a perfect regular season.

Given the current state of the four remaining opponents, that outcome is looking more and more likely.

For starters, the Raiders looked ragged in Miami; they next come to Lambeau Field on Sunday.? Then, the Packers head to Kansas City.? Though the Chiefs possibly will avoid being blown out, it?s a stretch to imagine them beating the Packers.

Then come the back-to-back season-ending home games, which suddenly look a lot easier, given the injury-fueled implosion of the Bears and the penalty-driven collapse of the Lions.

The broader question becomes whether the Packers can win the following three games ? the ones that really count.? The added pressure of becoming the first 19-0 team in league history won?t help.? The larger challenge could come, ironically, from the frozen tundra of Lambeau Field.? If it?s cold, wet, windy, etc. on a January day when a team like the 49ers come to town, the Packers? home-field advantage could be neutralized, since the Niners excel at running the ball and stopping the run.

2.? Silver lining for the Giants.

In 2007, the Giants hosted the 15-0 Patriots.? In a game with no playoff implications for either team, New York stayed within three points, losing late by a score of 38-35.? The near miss gave the Giants a surge of confidence that propelled them through the playoffs and into a rematch with the Patriots.

And if you don?t know what happened when they played again, the sport is called football.? We hope you become a fan of the game.

This time, another 38-35 home loss to another unbeaten juggernaut could provide similar confidence to a Giants team that sits one game behind the Cowboys, with two games to play against them.? Though there are many differences, the Giants could use the fact that they gave the Packers everything they could handle as the bucket of ice water to snap the Giants from yet another late-season funk.

If it doesn?t happen, it could be the last late-season funk over which coach Tom Coughlin ever presides.

3.? Bears ready to break glass in event of emergency.

When Sunday began, the always-accurate Jay Glazer reported that the Bears are ?absolutely not interested? in free-agent quarterback (and Chicago native) Donovan McNabb.

When Sunday ended, our colleague John Mullin of CSNChicago.com was reporting that the Bears would now consider adding McNabb.

The change of heart demonstrated the degree of desperation that the Bears already are feeling.? Quarterback Caleb Hanie has been dreadful (three more picks on Sunday), rookie Nathan Enderle isn?t ready, and Josh McCown is, well, Josh McCown.? Although serious questions remain regarding the fitness, work ethic, and skills of the 13-year veteran, McNabb remains a better option than any of the three healthy quarterbacks currently on the roster, combined.

But even McNabb may not be enough to make a difference, especially if running back Matt Forte misses more than a game or two with a partially torn MCL.

With offensive coordinator Mike Martz already reportedly set to be dumped, coach Lovie Smith could be on the hot seat (again) in 2012, if the Bears don?t make it to the postseason in 2011.? That?s why they?re now inclined to consider giving McNabb a chance, even if there?s not much of a chance he?ll make them any better.

4.? Chargers aren?t dead yet.

It?s easy to assume that the San Diego Chargers will end up on the outside looking in when the season ends.? At 4-7 and with six straight losses, there?s no reason to believe that Chargers can turn it around.

But there?s one curious fact, based on something the Chargers accomplished three years ago.

In 2008, the Chargers lost eight of the first 13 games, and they trailed the 8-5 Broncos with three weeks remaining in the regular season.? But San Diego won the final three games.? Just as importantly, the Broncos lost the final three games.

When the dust settled, the Chargers made it to the postseason as the AFC West champs, they beat the Colts in the wild-card round, they gave the Steelers more of a fight than expected the following week, and the Broncos fired Mike Shanahan.

It?s not likely that the Chargers will pull it off again, but that one slice of history means that, for now, we can?t rule anything out.? Especially with the Raiders suddenly looking worse-than-ordinary and the Cinderella Broncos a shattered slipper away from falling apart.

5.? Team Tebow will be tough to beat in January.

It would be dangerous, however, to assume that the clock will strike midnight for Tim Tebow before the postseason.? With each passing week, the Broncos gain more and more confidence, knowing that as long as they can stay within a score of the opponent, Team Tebow can ultimately prevail.

And that attitude will serve them well in January, when confidence becomes nearly as important as talent.? Adversity eventually strikes every playoff team (except for the 1985 Bears), and the Broncos know how to overcome it because they?re doing it on a weekly basis.

Then there?s the fact that, as the media attention increases, Tebow will continue to be the focal point of it, he?ll be ready for it based on all the attention he has absorbed throughout his career, and it?ll allow his teammates to go about their business without being caught up in the distractions.

Some thought Michael Irvin was crazy to suggest Tebow can take the Broncos to the Super Bowl.? It arguably would be crazier to presume that he can?t.

And it?s even crazier to continue to assume that he?s a gimmick quarterback.? On Sunday, Tebow ran the ball only four times.? In contrast, he completed 10 of 15 passes for 202 yards and two touchdowns, good for a passer rating on 149.3.

Though his mechanics remain flawed and his accuracy remains at times coincidental, Tebow?s passing numbers compare favorably to those of his predecessor, Kyle Orton.? As Football Night In America editorial consultant Elliott Kalb pointed out after Sunday?s game, Tebow has now thrown 158 passes; Orton threw 155.? While Orton has more completions and a higher completion percentage, Tebow has more yards, a higher per-attempt average, more touchdowns (10 for Tebow, eight for Orton), far fewer interceptions (one for Tebow, seven for Orton), and a passer rating more than 12 points higher.

Most importantly, Tebow has six wins in seven starts.? Even if John Elway?s body language suggests that he doesn?t like the way it?s happening, it?s impossible to argue with the results.

It?ll be even harder to do that if (when) the Broncos start knocking off some of the supposedly elite AFC teams in the playoffs.

6.? Ravens may no longer need Ray Lewis.

After Ravens linebacker Ray Lewis injured a foot three weeks ago in Seattle, rumors swirled that Lewis would not play again this season.? Coach John Harbaugh dismissed the notion that Lewis won?t be back, but he already has missed three of the final seven games.? Jason La Canfora of NFL Network suggested on Sunday that Lewis could be back in Week 15, if Baltimore needs to win the game.

Given that the Ravens, Steelers, Patriots, and Texans are each 9-3, the Ravens will need to win the game.? But here?s the thing.? They?ve shown they don?t need Ray Lewis.

And this could be the best way for the post-Ray Ravens to realize that they?ll be fine after he inevitably retires.? The training wheels came off on the fly, the Ravens kept peddling, and they?re 3-0 without him.

More importantly, they?ve found a way to win against an inferior foe on the road the week after a huge victory.? That?s something Lewis couldn?t will them to do in three prior chances this season.

Though the Ravens will find a place for Lewis as long as he wants one, the team?s success without him suggest that, if the foot keeps Lewis from playing again this year and if the Ravens can continue to thrive, it could be the right time for him to realize that it?s the right time to move on.

7.? Peyton?s place may no longer be in Indy.

Another face-of-the-franchise-type player could be leaving his team under far different circumstances.? The Colts and quarterback Peyton Manning continue to careen toward an inevitable No. 1 pick in the draft and a $28 million option bonus that comes due to Manning in early March.

In a lengthy interview on the CBS pregame show, which somehow seemed even longer than it was, Manning disputed the recent suggestion from Vice Chairman Bill Polian that the two men discussed the possibility of the team picking a quarterback, explaining that the conversation occurred two years ago.? That discrepancy suggests a deeper disconnect that could drive the two sides apart.

Then there?s the ominous explanation from Manning that the eventual decisions regarding his future will become apparent in March.? That?s a far cry from Manning?s past proclamations that he?ll never play for another team.

Don?t be surprised, then, if Manning decides to move on.? The bigger question is whether he?ll play elsewhere in 2012 or whether, like former Colts receiver Marvin Harrison, Manning won?t find an alternative destination that will pay him top-of-the-market money and that will give him the ingredients for the success that Peyton craves.

8.? Raheem is nervous, and he should be.

Bucs coach Raheem Morris has become increasingly skittish this season, most recently dropping an ?F? bomb while discussing his decision to take a page from the Mike Singletary coaching playbook.? Morris is nervous for a very good reason.

Morris has a contract that runs through 2012.? While G.M. Mark Dominik received earlier this year a four-year extension, Morris hasn?t.

And so after the 2011 season, the Bucs need to decide whether to extend Raheem?s deal, to let him coach as a lame duck, or to move on.

Though there?s currently no obvious reason to believe that the Bucs will fire Morris, Morris knows that plenty of stuff can be happening behind the scenes.? He knows this because, in early 2009, he and Dominik were the guys who secretly were being lined up behind the scenes to replace former head coach Jon Gruden and former G.M. Bruce Allen.

So what?s happening behind Raheem?s back now?? He?s surely wondering about that, and that?s surely making him even more anxious than he should be.

Some would say that, by taking the job held by his former boss while his former boss didn?t know he?d be the former boss, Morris deserves a similar fate.? Regardless, his own experiences are now making him wonder what ownership may be cooking up without his knowledge.? And if ownership isn?t up to something, they need to extend Raheem?s contract sooner rather than later, in order to put the coach?s mind at ease regarding a dynamic that ownership utilized when hiring him in the first place.

9.? Chris Johnson moves closer to being Chris Johnson again.

Last week, Titans running back Chris Johnson rushed for 190 yards.? It created the impression that Johnson has finally rediscovered the magic that fueled a holdout that caused him to lose said magic.? But the tape showed a guy who still couldn?t explode like he did earlier in his career.

This week, Johnson added another 153.? And there were hints that he?s getting closer to rediscovering his ability to hit a hole and explode vertically, untouchable even by men who think they have an easy angle on him.

If Johnson can get it back this year, the Titans could be a major factor.? The No. 6 seed remains up for grabs, with a total of five five-loss teams, each of whom hold a two-game lead over the next cut of contenders.? The Titans are among that quintet, and they?re likely the most overlooked.? With Johnson churning up the yardage and getting closer to playing like his old self, maybe they shouldn?t be.

10.? Schwartz needs to get his team under control.

Much has been said about the stomping incident committed on Thanksgiving by Lions defensive tackle Ndamukong Suh.? More should have been said about the role of coach Jim Schwartz in nudging his players toward the line over which Suh leapt, and then pretending to have no responsibility when it happened.

Schwartz wants his defensive players to be salty, nasty.? It makes them more aggressive, which makes them more intimidating and thus more effective.? The mindset traces directly to Schwartz?s time in Tennessee where, despite having an influential position on the Competition Committee, Titans coach Jeff Fisher cultivated a chippy defense that wasn?t above a periodic punch or kick or, as the case may be, cleat stomp on a bare forehead.

With Schwartz enabling and/or creating Suh, other players have followed suit ? on offense.? Last night, receiver Titus Young drew a drive-killing penalty for an open-handed blow to the head worse than the one that got Richard Seymour ejected in Miami.? Then, tight end Brandon Pettigrew, during a late-game drive even more deliberate than Donovan McNabb?s punt-pass-and-puke effort in Super Bowl XXXIX, actually shoved an official.? Amazingly, Pettigrew wasn?t ejected.

At some point, Schwartz needs to be held responsible for the conduct of his players.? The NFL decided this year to implement a procedure for fining teams based on certain player misconduct; the program needs to be expanded to take money out of the coaches? pockets, too.

Then again, if enough dumb penalties contribute to enough losses, coaches like Schwartz ultimately will be held accountable, since they?ll be fired.

Source: http://profootballtalk.nbcsports.com/2011/12/04/the-49ers-are-nfc-west-champions-after-dominant-defensive-effort/related

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Monday, December 5, 2011

Document your pregnancy and print a book with Pregnancy Journal ? Sprout

Instead of keeping a journal of your pregnancy by hand, you can pick up Sprout Pregnancy Journal for iPhone and document your thoughts, photos, and special moments electronically. Once your pregnancy is over, have a physical book printed for your coffee table or download a PDF. You don’t have...


Source: http://feedproxy.google.com/~r/TheIphoneBlog/~3/F0CwWgnTNJU/story01.htm

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Center For Surf Research At San Diego State University Is First Of Its Kind

SAN DIEGO -- The California city that inspired "Fast Times at Ridgemont High," the 1982 comedy film that did much to propagate the laid-back surfer image, is now home to the world's first Center for Surf Research. And, no, it's not a clever way for college kids to earn their degrees by hanging out at the beach.

Jess Ponting has heard those jokes. A sustainable tourism professor, he recently founded the first-of-its-kind institute at San Diego State University with the aim of building a database and spreading awareness about what has evolved from a beach counterculture to a multibillion dollar global industry, with both positive and negative impacts. Ponting was amazed to find how little research and critical analysis exists on the surf industry

"We want to quantify exactly what we're dealing with," said Ponting, who, on the university's web site, sports a suit-and-tie while holding a surf board. "I think it's way bigger than anybody gives it credit for, but no one has taken it seriously enough to look at it before."

Decades ago, long-haired surfers chasing isolated ocean peaks far from the crowded beaches of Australia and California stumbled into remote villages from Indonesia to Latin America and kicked off the global phenomenon. Today, so many surfers are traveling the globe in pursuit of that perfect swell that surf tourism is being seen as a top income-generator for nations from Papua New Guinea to Liberia, Ponting said. Even China has created a so-called Minister for Extreme Sports to dive in on the booming business.

Yet there is virtually no concrete data on just how big the board-carting crowd has become nor exactly how much money they generate. Scholars like Ponting estimate surf fever has caught on in more than 100 countries, while the U.S. surf industry alone generates an estimated $7 billion annually, according to the Surf Industry Manufacturers Association.

Chad Nelsen, who is doing a dissertation on the economics of surfing as part of his doctorate studies in environmental science at the University of California Los Angeles, said the only other university he has found with a formal surfing program is Great Britain's Plymouth University, which offers a Surf Science and Technology degree. That program focuses more on training students in design, production and marketing of surf products and tourism.

The SDSU research center has scheduled summits to bring together surfers, environmental organizations, tourism businesses and the small but growing wave of scholars studying surf economics. Ponting is arranging trips that will take students to places where tourism driven by surfers is making a difference in alleviating poverty and protecting the environment.

One of Ponting's hopes is that connecting the different facets of the surf industry will carry over into helping governments in developing countries understand the surf crowd and develop plans to handle the hordes.

To date, few people question the impact of surfers, Ponting said, and there are few sweeping plans about how to properly manage the surf tourism trade.

Ponting, a lifelong surfer from Australia, has traveled the globe catching waves and has seen how crowds of swell seekers have transformed remote parts of the world ? in both good and bad ways.

With no planning, many poor, remote communities discovered by surf explorers in the 1960s got caught up in what Ponting calls "the race to the bottom" with locals expanding their homes and offering cheap accommodation, but with little infrastructure to handle the mounting sewage and trash, which seep into pristine marine environments.

As a result, "surf slums" sprang up in paradise. Ponting points to some traditional Muslim villages in Indonesia that found themselves dealing with big-city problems brought in by the outsiders, including illegal drug use and prostitution.

On the other hand, there are places like Papua New Guinea, a model that has a national surf management plan limiting the number of surfers to popular spots and taxing them to help pay for sewage treatment, water systems and schools. Papua New Guinea also requires surfers to pay for a local surf guide, creating jobs for its people instead of merely playing host to foreign travel companies.

Surfers are unique in that they ? unlike other kinds of tourists ? will often pursue a wave no matter how far and difficult it may be to get there, Ponting said. They flock to nations in the midst of wars or after natural disasters, making them a resilient market for impoverished countries struggling to persuade traditional tourists to return.

That makes them a key market for places like Liberia, which has struggled to lose its image as a place of civil unrest but is quickly rising as the next unexplored surf frontier. Ponting is working on funding for a joint project with a nonprofit organization to guide the country's tourism department so locals reap the benefits instead of foreigners who may better understand the market.

The research center is working on developing a program that would certify surf hotels that ensure their operations do not pollute and that invest money back into the local communities where they are located. There is a growing tide of philanthropy among surfers wanting to help the places they visit.

Nelsen, who works as an environmental director at Surfrider Foundation, said the surf research center will give a much needed boost to organizations like his working to make the industry sustainable. He said it will also give credibility to scholars who have been dismissed because of the "Spicoli bias," referring to Jeff Spicoli, the apathetic, stoned surfing character in "Fast Times at Ridgemont High."

"If you have academically vetted information, it's a lot more valuable and accepted, and there's precious little of that out there on surfing," Nelsen said. "We don't want to see surfers discounted when they talk to their local city councils. This will provide tools so surfers can justify their interest in protecting surfing areas."

Corrine Roybal, a 21-year-old SDSU hospitality and tourism management major, said she held those stereotypes before taking a class from Ponting.

"It's an industry I didn't know really existed," said Roybal, after listening to Ponting lecture on a recent afternoon about how boats shuttling surfers to waves are destroying reefs with their anchors. "I had the stereotypical view of a surfer just out there to surf. It has really opened my eyes."

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Source: http://www.huffingtonpost.com/2011/12/03/center-for-surf-research-_n_1127544.html

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Sunday, December 4, 2011

UN official to AP: pledges to cut CO2 will go on

Protestors shout during a climate change rally outside the climate change summit held in the city of Durban, South Africa, Friday, Dec 2, 2011.(AP Photo/Schalk van Zuydam)

Protestors shout during a climate change rally outside the climate change summit held in the city of Durban, South Africa, Friday, Dec 2, 2011.(AP Photo/Schalk van Zuydam)

Protestors march during a climate change rally outside a climate change summit held in the city of Durban, South Africa, Friday, Dec 2, 2011. A report released late Thursday in London and discussed Friday at the U.N. climate conference in South Africa said that _ in theory _ reflecting a small amount of sunlight back into space before it strike's the Earth's surface would have an immediate and dramatic effect.(AP Photo/Schalk van Zuydam)

South African Police prevents protestors entering the climate change summit held in the city of Durban, South Africa, Friday, Dec 2, 2011. Brighten clouds with sea water? Spray aerosols high in the stratosphere? Paint roofs white and plant light-colored crops? How about positioning "sun shades" over the Earth? At a time of deep concern over global warming, a group of scientists, philosophers and legal scholars examined whether human intervention could artificially cool the Earth _ and what would happen if it did.(AP Photo/Schalk van Zuydam)

Protestors shout during a climate change rallyoutside the climate change summit held in the city of Durban, South Africa, Friday, Dec 2, 2011. A report released late Thursday in London and discussed Friday at the U.N. climate conference in South Africa said that _ in theory _ reflecting a small amount of sunlight back into space before it strike's the Earth's surface would have an immediate and dramatic effect.(AP Photo/Schalk van Zuydam)

(AP) ? The top U.N. climate official said Saturday she is confident industrial countries will renew their pledges to cut greenhouse gas emissions after their current commitments expire next year.

Further commitments under the 1997 Kyoto Protocol, an unshakable demand by poor countries, would avert a feared derailment of U.N. negotiations, but would mark little advancement toward the goal of a rapid and steep drop in worldwide carbon emissions blamed for climate change.

The protocol's future has been in doubt because rich countries have conditioned its continuation on an agreement by nations such as China, India, Brazil and South Africa to also accept binding emissions targets for themselves in the future.

"Countries are here these two weeks exactly talking about how they are going to go into a second commitment period of the Kyoto Protocol," U.N. official Christiana Figueres told The Associated Press.

"The discussion this week is not about the 'if,' it's about the 'how.' That doesn't mean that we are out of the thick of it," she said. Delegates are discussing participation, the legal form of the rules and all of the conditions that will define the second commitment period, she said.

Figueres, who is executive secretary of the U.N. Framework Convention on Climate Change, spoke to AP to mark the halfway point of the two-week meeting in South Africa's eastern city of Durban.

Conference chairmen were also compiling the first draft of an agreement that will be given to government ministers arriving next week for the final four days of talks. Among them are 12 heads of state or government and ministers from more than 130 nations.

Outside the conference hall, several thousand activists, South African village women, and trade union members paraded through this port city for a march billed as a "global day of protest."

"It's all about our future. It's calling for a sustainable future. We've got to act and we've actually got to act urgently, so that we put this planet back onto a sustainable path," said Bishop Jeff Davies, Southern African Faith Communities Environment Institute. "At the moment, we are destroying our very life support systems."

Figueres said that talks were in "good shape" in preparation for the more senior delegates.

One reason for an uptick in optimism may be a signal from China that it will in the future set absolute caps on its emissions, perhaps as early as 2020. Until now, China has spoken of emissions controls purely in terms of energy intensity, or the amount of energy it uses per unit of economic production.

The signal from Beijing came from Xu Huaqing, a senior researcher for China's Energy Research Institute, who was quoted Friday in the semiofficial China Daily. His remarks were confirmed privately by one of China's top climate negotiators, Su Wei, on the sidelines of the talks in South Africa.

China is the world's largest emitter of heat-trapping greenhouse gas and a main foil of industrial countries in the U.N. negotiations. Virtually every statement, even semiofficial comments, is parsed by delegates seeking departures from its public positions.

"It's part and parcel of a growing realization that all countries can contribute to the solution, that every one of them has to do it, of course, according to their respective capabilities," Figures said.

The 27 members of the European Union provide the bulk of those countries falling under Kyoto's targets. In return for signing up to another round of pledges, the EU wants all major polluters to agree to a legally binding regime for everyone to be negotiated by 2015.

The United States refused to join the Kyoto regime, which it said unfairly exempted major developing countries from any emissions constraints.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2011-12-03-AF-Climate-Conference/id-8fe2c09b03f749fbb30d63e4f66ed72d

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Saturday, December 3, 2011

Pakistan denies approving deadly NATO airstrike

U.S. officials gave Pakistan soldiers the wrong location when asking for clearance to attack militants along the border last weekend, Pakistani military officials said Friday.

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The strike resulted in the deaths of 24 soldiers and a major crisis in relations between Washington and Islamabad.

The claim was the latest in a series by mostly anonymous officials in both countries trying to explain what happened before and during last week's bombing of two Pakistani border checkpoints by U.S. aircraft.

NATO and America have expressed regret for the loss of lives, but have rejected Pakistani allegations it was a deliberate act of aggression.

The incident has pushed already strained ties between Washington and Islamabad close to rupture, complicating American hopes of securing Pakistan's help in negotiating an end to the Afghan war. In retaliation for the raid, Islamabad has already closed its western border to NATO supplies traveling into landlocked Afghanistan.

Thousands of Islamic extremists and other demonstrators took to the streets across the country after Friday prayers to protest the Nov. 26 strike. Some called on the army to attack the U.S.-led coalition in Afghanistan. The chants were a worrying sign for the West because it indicates that anger over the incident is uniting hard-liners and the military.

Pakistan's army, still smarting from the criticism it received after the unilateral U.S. chopper-borne raid that killed Osama bin Laden on May 2, has ordered border troops to take a more aggressive posture against intruders, said Prime Minister Yusuf Raza Gilani.

"Instructions have been issued to all units of the Pakistan armed forces to respond, with full force, to any act of aggression and infringement of Pakistan's territorial frontiers," he said.

U.S. officials have told The Associated Press that Saturday's incident occurred when a joint U.S. and Afghan patrol requested backup after being hit by mortar and small arms fire by Taliban militants.

Before responding, the patrol first checked with the Pakistani army, which reported it had no troops in the area, they said.

U.S. officials say Pakistani troops had "given the go-ahead" for the strikes, The Wall Street Journal reported Friday. This account would suggest that the Pakistanis were at least partly to blame for the deadly error.

Story: 'Enough is enough': Grieving Pakistan questions its role in US war on terror

A Pakistani military official who spoke on condition of anonymity because of the sensitivity of the information confirmed that the Americans had provided his side with a location for the planned strike.

However, he said, the information arrived late, Pakistan never cleared the strike, and the coordinates provided were incorrect.

"Wrong information about (the) area of operation was provided to Pakistani officials a few minutes before the strike," he said. "Without getting clearance from Pakistan side, the post had already been engaged by U.S. helicopters and fighter jets."

The prime minister said that after the attack, military authorities contacted the border coordination center, where the two sides liaise over operations close to the frontier. The strikes continued, however, and "that relief and reinforcements sent from the nearby Pakistani posts also came under attack," he said.

U.S. officials at the border coordination center later "apologized privately to Pakistani officials for initially providing wrong information and the subsequent engagement of the post without prior information," he said.

Video: US-Pakistan relations strained following airstrike (on this page)

The U.S. and NATO have both launched investigations. Washington has not formally apologized, saying it would not be appropriate before an investigation into the incident is complete. The mountainous, poorly defined border has been a regular flashpoint between U.S. and Pakistan, with Washington accusing Pakistani troops of tolerating or supporting militants who operate there and attack inside Afghanistan.

Anti-American demonstrations took place around Pakistan on Friday, including a 2,000-strong rally in the country's commercial hub of Karachi by the Sunni extremist Sipah-e-Sahaba group. The group is banned because of its ties to al-Qaida, but that ban is largely ignored.

Pakistan releases 1st pics of attacked border posts

Aurangezeb Farooqi, a leader of the group, asked the protesters whether they were ready to join the army to fight Americans. Many raised their fists in response and shouted "God is great!" Some held up placards saying: "There is only one treatment for America: jihad, jihad," meaning holy war.

Hundreds of supporters of Pakistan's outlawed, conservative Islamic party Jamaat ud Dawa also rallied in Islamabad, carrying "No to Nato" signs and "Killers Nato" signs.

Washington believes that Islamabad's cooperation is vital to negotiate a truce with Afghan insurgent leaders based on Pakistani soil, so that the U.S. can withdraw most of its troops from Afghanistan by the end of 2014.

But Islamabad has its own interests, chiefly in ensuring that whatever regime remains in Kabul after U.S. forces withdraw is friendly to Pakistan, and hostile to India, its long-term regional foe. Consequently, Pakistan appears to be in no rush to take political risks helping the United States.

NBC News and Reuters contributed to this report.

Source: http://www.msnbc.msn.com/id/45520030/ns/world_news-south_and_central_asia/

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Friday, December 2, 2011

Lavin to miss St. John's game at No. 1 Kentucky (AP)

NEW YORK ? St. John's coach Steve Lavin won't accompany his team to Thursday night's game at No. 1 Kentucky, the third straight game and fourth this season he's missed while recovering from prostate cancer surgery.

Lavin, who had surgery Oct. 6, said he is cancer-free but his stamina has not improved enough for him to coach in games. He said there is no date for him to return to the bench with the Red Storm (4-3).

He missed the season opener, but was on the bench for four games before missing last week's win over St. Francis, N.Y., and loss to Northeastern at home.

The second-year coach says he will keep working with his doctors as he follows a modified schedule.

Assistant coach Mike Dunlap will serve as head coach of the Red Storm in Lavin's absence.

Source: http://us.rd.yahoo.com/dailynews/rss/sports/*http%3A//news.yahoo.com/s/ap/20111130/ap_on_sp_co_ne/bkc_st_john_s_lavin

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