Deal of the Day: United Workers Federal Credit Union Car Loans at 1.99% APR

Car loans can be as varied as the cars they finance. There are many makes and models out there, some reliable, some not ? some affordable, some inflated. With the right auto loan, borrowing becomes affordable, monthly payments stay manageable, credit is built and people get to drive their dream car without compromise. In Castro Valley, CA, this can happen through the United Workers Federal Credit Union?s auto loan of 1.99% APR.

United Workers Federal Credit Union Car Loans: Terms and Conditions

For new cars, the credit union will finance up to 125% of the vehicle?s value, up to 48 months at the 1.99% interest rate. This offer is conditional on an applicant?s credit history and Level 1-based credit score. Once approved, the interest rate will not change unless borrowers choose to refinance down the road.

About United Workers Federal Credit Union

Founded in 1956, United Workers Federal Credit Union was the creation of John Reid, original manager of the Butchers Credit Union. Originally comprising members of Butchers Union #120, over the years UWFCU expanded to include?United Food & Commercial Workers Local #101, Rexam Beverage Can Company and, most recently, IBEW Local #595 of Alameda County. This unification has strengthened the credit union?s membership and financial offerings.

Take advantage of low-rate car loans.

Other Terms and Conditions may apply. Additionally, interest rates are based on the institution?s online published rates and may have changed since this offer was posted. Please contact the financial institution for the most recent rate updates and to review the terms of the offer.

Source: http://www.gobankingrates.com/auto-loans/best-auto-loan-deal-1-99-apr-united-workers-fcu/

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FAA warns public against shooting guns at drones

WASHINGTON (AP) ? People who fire guns at drones are endangering the public and property and could be prosecuted or fined, the Federal Aviation Administration warned Friday.

The FAA released a statement in response to questions about an ordinance under consideration in the tiny farming community of Deer Trail, Colo., that would encourage hunters to shoot down drones. The administration reminded the public that it regulates the nation's airspace, including the airspace over cities and towns.

A drone "hit by gunfire could crash, causing damage to persons or property on the ground, or it could collide with other objects in the air," the statement said. "Shooting at an unmanned aircraft could result in criminal or civil liability, just as would firing at a manned airplane."

Under the proposed ordinance, Deer Trail would grant hunting permits to shoot drones. The permits would cost $25 each. The town would also encourage drone hunting by awarding $100 to anyone who presents a valid hunting license and identifiable pieces of a drone that has been shot down.

Deer Trail resident Phillip Steel, 48, author of the proposal, said in an interview that he has 28 signatures on a petition ? roughly 10 percent of the town's registered voters. Under Colorado law, that requires local officials to formally consider the proposal at a meeting next month, he said. Town officials would then have the option of adopting the ordinance or putting it on the ballot in an election this fall, he said.

The proposed ordinance is mostly a symbolic protest against small, civilian drones that are coming into use in the United States, Steel said. He acknowledged that it's unlikely there are any drones in use near Deer Trail.

"I don't want to live in a surveillance society. I don't feel like being in a virtual prison," Steel said. "This is a pre-emptive strike."

He dismissed the FAA's warning. "The FAA doesn't have the power to make a law," he said.

The FAA is working on regulations to safely integrate drones into the skies over the U.S., where manned aircraft are prevalent. The Congress gave the FAA until 2015 to develop the regulations, but the agency is behind schedule. FAA officials have estimated that once regulations are in place, thousands of drones will be in use across the country for a wide variety of purposes, from helping farmers figure out which crops need watering to tracking sea lions in remote rocky outcroppings to aiding search and rescue missions.

But the Deer Trail proposal is the latest ripple in a spreading backlash against drones. Dozens of laws aimed at curbing the use of the unmanned aircraft have been introduced in states and cities. Privacy advocates have expressed fear that police will use drones to cheaply and effectively conduct widespread surveillance without warrants.

The Association for Unmanned Vehicle Systems International, a drone industry trade group, was concerned enough last year about people threatening to shoot down drones that it issued a statement warning that such comments were "irresponsible, dangerous and unlawful."

Michael Toscano, president and CEO of the group, expressed similar concerns Friday, saying drones "are being designed to serve the public good....The myriad of important uses will be imperiled if they become targets. ... The suggestion that Americans take up arms against unmanned aircraft also endangers citizens on the ground."

___

Follow Joan Lowy on Twitter at http://www.twitter.com/AP_Joan_Lowy

Source: http://news.yahoo.com/faa-warns-public-against-shooting-guns-drones-183617273.html

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Fire authority rejects plans to cut 10 fire stations and 550 jobs in London

Firefighters protest against station closures and engine cuts outside London Fire Brigade headquarters in London today. Picture: Stefan Rousseau/PA Wire

Sebastian Mann Thursday, July 18, 2013
6:58 PM

The political body in charge of fire services in London has voted against proposals to close 10 stations in the capital and cut more than 550 jobs.

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Fourteen fire engines would also go under the plans, proposed by London Fire Brigade Commissioner Ron Dobson.

The London Fire and Emergency Planning Authority (LFEPA) met this afternoon to decide whether to support or reject the cuts.

The vote, which took place at the Southwark headquarters of the London Fire Brigade following vocal protests outside by firefighters, does not bind the Mayor, who is in favour of the Commissioner?s cuts.

It is expected Boris Johnson will force through the proposals anyway.

Tempers were high throughout the meeting, with Labour representatives on the authority clashing with Conservatives. Cries of ?shame? and other heckling from anti-cuts activists in the public gallery led LFEPA chair James Cleverly to urge calm several times.

Members of the fire authority from the Labour, Green and Liberal Democrat parties united to propose an amendment to the plans. This amendment effectively rejected the proposals in the Commissioner?s London Safety Plan that would see cuts made to stations, engines, and jobs.

The 17 members of the authority voted through the amendment nine to eight, before voting by the same ratio in favour of the amended proposal.

Mr Cleverly, also a Conservative member of the London Assembly, is in favour of the Commissioner?s plan. He told reporters after the vote the new plan was one that ?completely blows the budget?.

But Green member Darren Johnson, who supported the amendment, said: ?We were absolutely right to come together today to oppose the cuts in the London Safety Plan. The Mayor has put the Commissioner in an impossible position.?

Originally two further fire stations, at Clapham and New Cross, had been earmarked for closure, but the two south London stations were saved when plans were redrafted following a 15-week public consultation.

At today?s meeting, Commissioner Dobson revealed these original plans were still his preference, but that he had compromised following the public consultation.

Thousands contributed their views during the 15-week listening exercise, with 94 per cent saying the opposed station closures and job cuts.

Source: http://www.london24.com/fire_authority_rejects_plans_to_cut_10_fire_stations_and_550_jobs_in_london_1_2286193

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Venture capital fund a reality - Wisconsin Radio Network

Governor Scott Walker has signed a bill creating a venture capital fund for the state. After some unsuccessful attempts to help startup businesses in the state, the fund is finally a reality. State Senator Alberta Darling, a co-author of the venture capital legislation, said it sends the right message about Wisconsin.

?It says that we are very interested in supporting entrepreneurs, as a partnership with the private sector, so that we can grow jobs and the economy,? Darling said Thursday.

Providing venture capital to startups has been a goal for Walker since taking office. He set aside $25 million dollars in the budget, and perhaps the only criticism is whether that?s enough. Darling said it?s a start. ?We would have liked to have given more money, but we have to live within our means,? said Darling. ?That?s what we had to work with, and to start is better than not starting.?

Wisconsin will follow a ?fund of funds? model, using the $25 million in taxpayer funding and at least $50 million from the private sector. The money will target companies in five key areas: agriculture, information technology, engineering, advanced manufacturing, and medical devices.

Darling said adequate oversight is built-in. ?The accountability and transparencies were both big priorities for us when we drafted this legislation. The fund manager will be accountable through the Joint Finance Committee, to show how the money is invested, and the taxpayer will be paid back first.?

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Source: http://www.wrn.com/2013/07/venture-capital-fund-a-reality/

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Why the University of Minnesota wants to change employee health care plans

The prognosis for your wallet isn?t good. (libertygrace0 via Flickr)

University of Minnesota HR chief Kathy Brown tells MPR?s Catharine Richert that it is trying to dodge a $48 million ?Cadillac tax? in the Affordable Care Act that tries to discourage employers from offering top-tier health insurance:

?We now are faced with the challenge of the Affordable Care Act and some of the requirements of that law. We?ve been blessed in the past that we have not had to ask our employees to pay deductibles ? and we?ve been able to keep our premium trends down as much as possible.?

Richert reports that as soon as next year, the U wants to ? among other things ? raise some copays, require deductibles, and start a cheaper, less generous plan for Twin Cities-area employees.

Read the full story here.

Source: http://blogs.mprnews.org/oncampus/2013/07/why-the-university-of-minnesota-wants-to-roll-back-employee-health-care-plans/

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nicole sherzinger x factor auditions london

X FACTOR judge Nicole Scherzinger has turned up the heat in sweltering London in a black and white optical illusion dress and pink heels.

The X Factor judge was at the final day of the ITV show's auditions at at Wembley Arena.

Earlier today she told fans on Twitter: "Last day of XF auditions-I'm wearing Finders Keepers dress, @pedrogarcia shoes and @MFPepe jewellery."

Nicole was joined by fellow judges Louis Walsh, Gary Barlow and Sharon Osbourne.

Shamazing ... Nicole Scherzinger

Lia Toby/Wenn

Louis donned shades and a plum jacket over a white shirt and jeans.

Take That star Gary Barlow ? who is rumoured to be quitting the programme after this series ? wore a khaki jacket over dark trousers.

Xtra Factor host Caroline Flack wore a printed skater dress.

Mrs O ... X Factor judge Sharon

She wrote on Twitter: "I'm so hot I feel like I'm wearing curtains."

Former Pussycat Dolls star Nicole, who was known for her quirky catchphrases on the show last year including "shamazing" recently declared that she has no friends in London.

LA-based Nicole said: ?I don?t have anyone here, I don?t have my family, I don?t even have any friends here. My publicist is my closest friend.

Long-time X Factor judge ... Louis Walsh

?It gets lonely but I?m working all the time.

?You just make those sacrifices and they made me feel so at home last year. It is hard but you always make those sacrifices and it?s worth it.?

Looking cool in shades ... Gary Barlow

Last year she relied on British F1 star Lewis Hamilton and his family for companionship when she wanted to socialise away from The X Factor.

However, Nic and Lewis split last month after five years because their hectic schedules left little time for love.

Prints charming ... Caroline Flack

Source: http://www.thesun.co.uk/sol/homepage/showbiz/tv/x_factor/5021413/nicole-sherzinger-x-factor-auditions-london.html

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As Barbie's allure fades, Mattel's profit slumps

earnings

Reuters

11 hours ago

MARK LENNIHAN / AP

A Barbie Doll play set from Mattel is displayed on Tuesday, Aug. 14, 2007 at a Target store in Brooklyn, N.Y.

Mattel Inc, the world's largest toymaker, reported a weaker-than-expected 23 percent drop in profit as Barbie sales fell for the fourth straight quarter, highlighting the iconic brand's struggle to stay relevant.

Toy sales in mature markets such as the United States and Europe have been weak so far this year, but Mattel had previously fared better than its competitors helped by the growing popularity of its American Girl and Monster High dolls.

The company, which also makes Hot Wheels cars and Fisher-Price baby toys, said second-quarter net income fell to $73.3 million, or 21 cents per share, from $96.2 million, or 28 cents per share, a year earlier.

Analysts on average were expecting earnings of 32 cents per share, according to Thomson Reuters I/B/E/S.

Worldwide Barbie sales fell 12 percent. The company does not break out Barbie sales numbers as it is part of the Mattel Girls & Boys Brands unit. Sales at the unit rose 1 percent to $792.4 million during the quarter.

In contrast, sales of American Girl dolls, which the company sells through its own stores, catalog and websites, rose 14 percent to $78.2 million.

Sales of the company's Other Girls brands were up 23 percent, mainly driven by Monster High's dolls. These dolls depict "descendants" of horror story characters such as Dracula and Frankenstein.

Most of Mattel's brands sell through retailers like Wal-Mart Stores Inc, Target Corp and Toys R Us Inc , as well as through its own catalog and website.

The toy cars business, which includes the Hot Wheels and Matchbox brands, also struggled with sales falling 6 percent.

Sales of Fisher-Price toys fell 3 percent to $396.7 million.

Total sales rose 1 percent to $1.17 billion, missing analysts' average estimate of $1.22 billion.

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Copyright 2013 Thomson Reuters.

Source: http://feeds.nbcnews.com/c/35002/f/663286/s/2eccf309/l/0L0Snbcnews0N0Cbusiness0Cbarbies0Eallure0Efades0Emattels0Eprofit0Eslumps0E6C10A658373/story01.htm

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