Saturday, March 3, 2012

Americans Given A 'D' For Financial Knowledge.

For the second consecutive year, Americans were given a "D" by Bankrate.com in its Financial Literacy Survey. The company described Americans as in "debt denial" and as being generally unwilling to admit credit is a problem.

The survey of 1,000 Americans is based on 12 concepts of financial fitness. Among the findings:

* The public is more aware of what they should do to achieve financial fitness. The percentage of survey respondents saying an activity is "very important" increased in 11 of the 12 financial fitness concepts.

* A substantial gap exists between awareness and follow through. While 71% say keeping an emergency fund is "very …

What's ahead for 'Nightline'? without him? Even if the late-night report continues, it will have lost its main asset, an old-school newsman with a bent for innovation

It's been the model for serious debate on important issues, aplace where people could go to discuss their differences without theshouting that is so prevalent on today's "news" programs.

But the "Nightline" viewers have known for 25 years is on theverge of extinction after Thursday's announcement that its iconicanchor will call it quits.

Ted Koppel, 65, said he is ending his long relationship with ABCNews when his contract expires in December. Although he said he isnot retiring, he turned down a chance to stay with the network andhost a Sunday morning news program.

His departure casts doubt on the future of "Nightline" -- aserious issues program competing for …

DROP IN WHOLESALE PRICES BIGGEST IN NEARLY 4 YEARS.(BUSINESS)

Byline: ALICE ANN LOVE Associated Press

WASHINGTON -- Falling energy and food prices last month contributed to the deepest plunge in wholesale prices in almost four years. The good inflation news still left economists and investors uncertain about what it portends for interest rates.

Prices paid to producers -- from farms to factories -- fell 0.6 percent in April, capping four straight months of decline unparalleled since 1993.

Bond markets rallied and stocks moved into record territory Wednesday morning immediately after the Labor Department released its Producer Price Index -- a barometer of price pressures before they reach the

Friday, March 2, 2012

Tangled web

The Internet isn't quite a seedy motel room, but cyber-cheating is still damaging to relationships

Last December, Sophie (not her real name) added a new activity to her regular morning routine: checking the web browser history on her home computer.

Some time after that, the 45-year-old Winnipegger also added a new activity to her weekly schedule: couples' counselling, which she attends alone.

Her common-law partner did attend the first session, she says, during which time he was "arrogant and defensive" and proceeded to inform the therapist that most of the men he knows would not consider the exchange of racy messages with a female Facebook friend to be cheating.

But Sophie sure does.

"The world crashed around me," the petite strawberry blond recalls of the winter day when she logged on to their shared computer only to discover her partner of two years had left both his Facebook and Hotmail accounts open. He'd even created a folder in which to save the "sexting" messages.

"According to him, fairly innocent emails between her and him went a step beyond. He thought it was harmless at the time, but claims he ended it after two months because he realized it was wrong," says Sophie, sitting on a bench in a downtown park, frequently blinking back tears as she describes her struggles over the past six months to rebuild trust and to understand why it got shattered in the first place.

"We didn't have a sexless relationship, nor was there a lack of communication, or intimacy issues. He was fishing for something else when I thought our relationship was quite stable."

Whether "fishing" is technically cheating if you don't actually land your catch is a question that has likely triggered countless discussions in recent weeks.

The traditional definition of cheating, or infidelity, is when one person in a committed relationship is physically involved with someone other than their spouse.

Emotional infidelity, meanwhile, is unfaithfulness that occurs through feeling or thought. During a 1976 interview with Playboy magazine, former U.S. president Jimmy Carter, for example, admitted that he had looked on a lot of women with lust and "committed adultery in my heart many times."

Now, thanks to the technological advancement of smartphones and the Internet, there's a murky moral pond between behaviour and intent.

Anthony Weiner may have only dangled the bait, so to speak, but judging by the latest news out of Weinergate, the American congressman has been busy destroying his political career and his home life one lewd email at a time.

Technology has only "aided and abetted what has always been there historically," by providing wandering lovers quick and easy access to like-minded individuals, says Judy Haid, a Winnipeg marriage and family therapist with 45 years of experience.

But whether it takes place in cyberspace or in a hotel room, cheating is a form of "acting out" and it's usually symptomatic of underlying problems in the relationship, she says.

They may have abandonment or commitment issues, be afraid of getting older, be bored, or maybe their relationship is indeed stuck in a rut, but Haid says people who stray do so primarily to avoid facing the issues.

"They've never looked at how to invest in their marriage, to make it more alive, more intimate, more comfortable, so they just rest in certain kinds of patterns and they get stalemated in those and they want a little excitement. And it's right there" at the click of a computer mouse or key pad, she says.

Alyssa, 35, has been on both sides on the infidelity fence. Her first husband stepped out on her repeatedly (including with her maid of honour) and then she "revenge cheated" on a subsequent unfaithful partner.

But that provided only "temporary fulfilment, and after a while it just ate my heart," says the striking brunette and mother of three, sipping tea in a Tim Horton's.

By comparison, her current husband of four years was a "prince," says Alyssa, which is why she was "devastated" when, one day about a month ago, she borrowed his laptop and logged on, and up popped the home page for adultery website AshleyMadison.com.

Although she'd never heard of the site, the motto said it all. "It's there in black and white: 'Life is short. Have an affair.' My heart dropped. I was devastated."

Alyssa found her husband's profile on the website, although there was no evidence he had corresponded with any other members, or been involved in any online activity period. When confronted, he claimed he'd been looking for porn and had already filled out the registration form when he realized his mistake and couldn't figure out how to unsubscribe. (AshleyMadison.com has a $19.99 service that will erase a user's digital footprints; however, those who wish to simply to delete their free account may only "permanently hide" their profile, an option that isn't clearly advertised.)

Alyssa isn't buying any of it. "I consider looking to cheat being unfaithful. You can have a moment of weakness, but then talk about it," she says. "Before, I didn't care if he looked at porn, but now I do. It opened up something."

Trust is always the biggest casualty of infidelity, which is a betrayal, Haid says. "People obviously don't like the thought of their partner sleeping with someone else, but the real damaging part is 'you lied to me.'"

Alyssa and her husband are currently in counselling -- initiated by him -- but what's delaying the healing, she says, is his refusal to "come clean."

In fact, when she saw an article about AshleyMadison.com in the June 4 edition of the Winnipeg Free Press while driving with her husband, he pulled the vehicle over and threw the paper into a nearby trash can, insisting that they "move on."

"We're still married, but we lost our relationship over this," says Alyssa, who admits she has wondered if this is "karma" for her own past indiscretions.

And if Alyssa's husband had done more than just cast his line into the Ashley Madison pond?

She cuts off the question in mid-sentence:

"We would be done."

carolin.vesely@freepress.mb.ca

An Interview With Péter Fülöp

P�ter F�l�p was born in Budapest in 1949. After attending Technical University in Budapest, he worked for a medical research company, Medicor, where he was head of the development section, charged with creation of the CAT scanner. But with a change in the country's political lineup, money for research dried up. F�l�p thereupon started his own business of acquiring and selling records, which he has been doing since 1970. In 1984, he met David Canfield of Ars Antiqua, who has served as F�l�p's mentor in the business to this day. F�l�p moved to Toronto in 1993, became a Canadian citizen, and for many years ran his mail-order record company, Mikrokosmos, from there. Late last year, F�l�p moved back to his native Hungary.

Q: Let's start by stating that your Mahler discography is unequivocally a magnificent achievement. In fact, it is so thorough and so meticulously researched that I was wondering if anything else comparable exists for other major composers.

A: There are some very detailed composer discographies on the Internet, but I don't know of any others in print. They're mostly artist-oriented.

Q: Obviously, this was a labor of love that you have been working on for decades. How were you bitten by the Mahler bug? Was it a particular recording or live performance?

A: It happened in 1974 when I bought a ticket to a live performance of the Fourth Symphony. I was in the habit of listening in advance to the music I would hear at a concert. I bought the only available recording in Hungary at the time-David Oistrakh conducting the Moscow State Philharmonic in a concert recorded live in Moscow. I had never heard anything like it before. A new world opened up to me, and I decided I had to collect all of Mahler's works. It was not easy back then. Mahler was almost unknown in Hungarian record stores. Finally I had a chance to buy them and compare performances.

Q: What prompted you to put out your first Mahler discography back in 1975?

A: In 1975, I obtained a copy of Jerome Weber's Mahler Discography. It was very small, more of a booklet than a book. This served as the basic material for me to work with, but it was not my book. I had to do my own.

Q: Your latest Mahler discography, your third, sells for $180. It's certainly worth every penny, but I wonder how many copies can you expect to sell at that price? Who will buy it?

A: In an optimistic gesture, I had 1,500 copies printed. I hope to sell it to record collectors, Mahler lovers, and libraries.

Q: How does an interested buyer obtain a copy? Is it available in stores?

A: Allegro distributes it in North America, but anyone can order it from the Mikrokosmos Web site [Mikrokosmos.com].

Q: Tell me something about Mikrokosmos.

A: The Mikrokosmos Mail Order Company was established in 1988. My family started the business in Hungary, and our Hungarian origin explains why the company is named after Bart�k's popular piano pieces. In 1993, we moved to Toronto, but we still maintained strong ties to Hungary, including keeping our classical record shop, Concerto, open in Budapest. We get many hard-to-find LPs and 78 rpm records from all over the world, including those made in countries that no longer exist, like the DDR or Czechoslovakia. It's a family operation; my wife does the bookkeeping, my oldest son is my agent in Montreal, my middle son does all the software development, and the small one pastes on the stickers.

Q: How does Mikrokosmos work?

A: The first Mikrokosmos list of rare classical LPs and 78s was released in December 1989. The first one had about 400 items; we now offer about 3,000 items in our free monthly catalog. We send the list by mail to all of our customers, but it can also be found on the Internet on the first day of each month. Five monthly lists are available concurrently. After five months, discs not yet sold go into the sale section, and after that into the last offer section. The mail lists are free, but after six months the computer automatically deletes your name if there has been no sale. Of course, you can continue checking our lists on the Internet, and if you do order something your name becomes active again. Most of the business is done on the Internet. The new list is posted on the net the afternoon of the last day of the month. We try to send the printed catalog so that it arrives at the same time.

Q: Prices are non-negotiable?

A: We apply set-sale price, which means that the first customer who orders the item gets it. We never accept bids for higher offers, nor do we give discounts. If you find the price is a bit steep, just wait a few months and if demand has not been met, the record will turn up in the sale section at a lower price.

Q: Moving Mikrokosmos back to Hungary last year must have been a huge job. How did you ship those thousands of records?

A: Mikrokosmos's warehouse contained 45,000 records. It was loaded into a container and shipped from Toronto to Budapest in just three weeks.

Q: Where do you find all these rare recordings?

A: I have agents all around the world, from America to Africa to Australia, but I also travel a lot myself. I recently returned from Sweden with about a thousand LPs. My best source is my friend and colleague David Canfield, who ran Ars Antiqua for 27 years and now works with me. He does the purchasing in North America. David is also head of Enharmonic Records, a composer and critic. He recently joined Fanfare's staff and is interviewed in this very issue.

Q: Who are your customers?

A: The biggest market is in Japan, but I have many customers also in Europe and the U.S. as well as in many other countries.

Q: And what about your Labelography? What is that?

A: In 1998, Mikrokosmos published the first volume of the classical record label collection under the name Labelography. This was a big step in developing a standard for classical records. We add about 200 new labels to this collection every year. The Labelography is part of our goal to provide detailed information about recordings. So we indicate the recording date (when it is important and known), matrix numbers of the 78 rpm records, stamper numbers for the audiophile records, etc. The Mikrokosmos Labelography contains examples of labels from all the important companies that have issued microgroove classical records. These label examples span the entire LP era, from the first monaural discs issued in 1949 to the digital and digitally remastered LPs of the early 1980s.

Q: Like your Mahler work, is this also a labor of love? Or shall we call it a label of love?

A: When I was young I collected stamps. The Labelgraphy is a bit like dealing with stamps. I like to tinker with it, and it is a huge job, though not successful as a business. I had hoped for more sales.

Q: Getting back to Mahler, you mention in your discography that, to the best of your knowledge, there are just seven recordings in existence that aren't in your personal collection. Are these included in the discography?

A: Actually, the list is now down to six. Since the book was published, I found one of them in Paris a few weeks ago. They are all in the discography. Some of the remaining performances I obtained on CD-R so I was able to determine the timings. Those I haven't found yet appear in the Timings section with a question mark.

Q: You have sent out a memo in search of a "permanent home" for your collection, a Mahler Sound Archive, as you call it. How is this coming along? Have you found a home yet? If not, are there any good prospects?

A: Unfortunately, I haven't had any response yet to my offer for the Mahler Sound Archive. This archive would be a center where all the recordings would be available for listening and where relevant research could be carried out with respect to comparative performances and even comparative pressings of the same release. Any city, library, or organization that accepts this responsibility will certainly be putting its name on the musical map. I just hope that some institute or person will find this offer interesting enough to come forward and establish a permanent home for this unique collection [inquiries at mikro@mikrokosmos.com].

Q: What was the most difficult part of assembling your discography?

A: I decided to print a diacritical edition this time. It was difficult to obtain the required type-setting for some of the characters required in foreign languages.

Q: Did you have to sit down and time all those early recordings that didn't have timings already on the label or on the jacket?

A: Yes, but most of this work was done for the first edition of my discography, which came out in 1985.

Q: Would you venture to reveal your personal favorite recording of each Mahler symphony?

A: Definitely NOT!

Q. Do you have any strong feelings about the various completions of the 10th Symphony?

A: No, but I don't like any them very much. I'm sure that Mahler would have finished it differently. It is always interesting to hear a new version of it, but I have never felt that any of them are really Mahler aside from the two movements he completed.

Q: Do you have any favorite Mahler conductors?

A: Leonard Bernstein and Georg Solti.

Q: What do you do for relaxation, when you're not doing Mikrokosmos work?

A: I watch movies and listen to music, including any new Mahler recordings that come out. I also work on my Labelography.

DRAFT ENVIRONMENTAL DOCUMENTS AVAILABLE FOR RIPARIAN HARDWOODS RESTORATION AND ENHANCEMENT NEAR LAKE TAHOE, CALIF.

The U.S. Department of the Interior's Bureau of Reclamation issued the following press release:

The Bureau of Reclamation and the California Department of Parks and Recreation (DPR) have completed a Draft Environmental Assessment/Initial Study (EA/IS) and a Finding of No Significant Impact (FONSI) on Riparian Hardwoods Restoration and Enhancement at Burton Creek State Park, D.L. Bliss State Park, Ed Z'berg-Sugar Pine Point State Park, Ward Creek Unit, and Washoe Meadows State Park near Lake Tahoe, California. The Draft EA/IS will be available for a 30-day public review and comment period. DPR and Reclamation propose to restore and enhance approximately 200 acres of riverbank (riparian) forests by removing encroaching conifers and remove approximately 0.5 mile of unnecessary roads, skid trails, and way trails that are sediment sources in the riparian corridors within 844 identified acres in California State Parks in the Lake Tahoe basin. This would reduce erosion, improve in-stream and riparian habitat, improve wildlife habitat, improve water quality, and reduce hazardous fuels. These features also contribute to the reduction of Lake Tahoe's famed clarity.

Written comments should be submitted no later than February 3, 2007, to Tamara Sasaki, California Department of Parks and Recreation, Sierra District Resources Office, P.O. Box 16, Tahoe City, CA 96145.

Copies of the Draft EA/IS and FONSI may be reviewed at several locations during normal business hours. Please contact Ms. Sasaki for a list of these locations.

The Draft EA/IS and FONSI are also available on Reclamation's National Environmental Policy Act website at http://www.usbr.gov/mp/nepa/nepa_projdetails.cfm?Project_ID=2532 , and at the California State Parks Internet Website at www.parks.ca.gov/default.asp?page_id=981

If you encounter problems accessing documents online, please contact Ms. Lynnette Wirth at 916-978-5102 or lwirth@mp.usbr.gov.Contact: Jeffrey S. McCracken, 916/978-5100.

Jeffrey S. McCracken, 916/978-5100.

Videos give rare, candid glimpse of bin Laden

Obama's pledged trip to Pakistan uncertain WASHINGTON --President Barack Obama's promised trip to Pakistan this year, onceseen as a reward for a key ally in the fight against terrorism, isnow a looming headache for the White House as it tries to determinewhether the government in Islamabad was complicit in allowing Osamabin Laden to live for years within the country's borders. Obamatold Pakistani officials in the fall that he planned to travel therein 2011, in part to soothe concerns that the president was favoringPakistan's neighbor and archrival, India, by visiting there first.White House spokesmen questioned this week by The Associated Pressrefused to say whether Obama still planned to go. In the hoursafter bin Laden's killing by a U.S. special forces team in Pakistan,John Brennan, Obama's top counterterrorism adviser, left the topicopen. "I'm not going to address the president's schedule," he said."I think there's a commitment that the president has made that he isintending to visit Pakistan. A lot depends on availability,scheduling."

WASHINGTON - From a shabby, makeshift office, he ran a globalterrorist empire. The world's most wanted man watched newscasts ofhimself from a tiny television perched atop a rickety old deskcluttered with wires.

For years, the world only saw the 54-year-old Osama bin Laden inthe rare propaganda videos that trickled out, the ones portrayinghim as a charismatic religious figure unfazed by being the target ofa worldwide manhunt.

On Saturday, the U.S. released a handful of videos, selected toshow bin Laden in a much more candid, unflattering light. In theshort clips, bin Laden appears hunched and tired, seated on thefloor, watching television wrapped in a wool blanket and wearing aknit cap. Outtakes of his propaganda tapes show that they wereheavily scripted affairs. He dyed and trimmed his beard for thecameras, then shot and reshot his remarks until the timing andlighting were just right.

The videos were among the evidence seized by Navy SEALs after apre-dawn raid Monday that killed bin Laden in his walled Pakistanicompound. The movies, along with computer disks, thumb drives andhandwritten notes, reveal that bin Laden was still actively involvedin planning and directing al-Qaida's plots against the U.S.,according to a senior U.S. intelligence official who briefedreporters Saturday and insisted his name not be used.

"The material found in the compound only further confirms howimportant it was to go after Bin Laden," said CIA director LeonPanetta in a statement Saturday. "Since 9/11, this is what theAmerican people have expected of us. In this critical operation, wedelivered."

The notes and computer material showed that bin Laden's compoundwas a command-and-control center for al-Qaida, where the terroristmastermind stayed in contact with al-Qaida affiliates around theworld through a network of couriers, the intelligence official said.Bin Laden was eager to strike American cities again and discussedways to attack trains, officials said, though it appeared that plannever progressed beyond early discussions.

Officials said the clips shown to reporters were just part of thelargest collection of senior terrorist materials ever collected. Theevidence seized during the raid also includes phone numbers anddocuments that officials hope will help break the back of theorganization behind the Sept. 11, 2001, terrorist attacks.

The videos showing "out-takes" - the miscues by bin-Laden thatwere destined for the cutting-room floor - were offered as furtherproof of bin Laden's death. President Barack Obama decided last weeknot to release photos of bin Laden's body, which were deemed toogruesome to reveal. The U.S. has said it confirmed bin Laden's deathusing DNA.

But by selecting unflattering clips of bin Laden, the U.S. alsois working to shatter the image he worked so hard to craft.

"It showed that bin Laden was not the superhero he wanted hispeople to think," said Rep. Peter King, R-N.Y., the chairman of theHouse Homeland Security Committee.

One video clearly shows the terror leader choosing and changingchannels with a remote control, which he points at what appears tobe a satellite cable box. U.S. officials have previously said therewas a satellite dish for television reception but no Internet orphone lines ran to the house. Cellphones were prohibited.

It's unclear how many tapes were pulled out of the house, andU.S. officials say they're scouring the intelligence so quickly ithas not even been catalogued and counted yet. But there may be atrove of recordings. According to the book "Growing Up bin Laden,"by his first wife and fourth son, the terrorist leader nearly alwayskept a tape recorder nearby to take down his thoughts, plans andmusings about politics and the world.