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Update: Or not! My understanding of this amendment was based on this op-ed on Sen. Udall’s website. Sadly, it looks like the lobbyists got to it before vote. Shortly after posting, I received an e-mail from a Udall spokesperson saying:

I did want to make sure you had the most updated language. The amendment actually gives consumers free access to their credit score if it is used against them in a financial transaction or adverse hiring decision. Although Senator Udall also continues to support language that would give consumers a free credit score with their credit report, that’s not what the amendment would do. However, this updated version actually reaches far more people, so it’s terrific news for consumers!

This is still better than past precedent, but also very disappointing. On some level, every credit decision is more adverse than it could be, since the terms could almost always be more beneficial to the consumer. But this now only applies if credit is denied or results in worse terms than anticipated. In any case, here’s the original post, much of which is now a wish instead of reality:

Soon, you may be able to get your credit scores, for free. Monday evening, an amendment to the Senate’s financial reform bill succeeded which would allow Americans free access to their credit scores along with their free annual credit reports. The measure, sponsored by Sen. Mark Udall (D-CO), passed by a simple voice vote. This move should boost transparency in the consumer credit market.

Up to now, many consumers had no way of knowing how the credit bureaus scored their creditworthiness, unless they paid a fee. This seems a strange notion, given how significant an input credit scores generally are for many lenders. By knowing your score, you may be more easily able to bargain for a better interest rate or loan terms.

Of course, the credit score still remains something of a black box. While some things are known about how various actions affect your score, the detail is unclear to consumers. The bill also doesn’t do much to reform the inequality between a borrower’s word and a lender’s word when it comes to credit scoring. Right now, it’s entirely based on what the lender says, while a borrower complaint is merely noted on the his or her report.

Still, this is a good first step. Knowing your score can also enhance your motivation for improving it, as you can check its progress each year. You can see how responsible borrower behavior increases your score, or how missing payments or defaulting on loans lowers it. Let’s hope this measure gets through conference and makes it into the final bill.

Academy Award-nominated actress Amy Adams and her fiance Darren Legallo welcomed a baby girl, Aviana Olea Legallo, in Los Angeles on Saturday May 15, PEOPLE Magazine has confirmed.

“Mom and baby are home and going great. Everyone’s healthy and happy,” Adams’s rep tells the celebrity weekly.

Adams, 35, and Legallo have been engaged since July 2008. The Julie & Julia actress announced her pregnancy in December. Aviana is the first child for both.

Congrats!

Robin Hood hit theaters May 14 with stars Russell Crowe, Cate Blanchett, Max von Sydow, Oscar Isaac, and Mark Strong, directed by Ridley Scott. Crowe is reportedly criticized because he spoke Irish when supposedly Robinhood portrays a thief who is a native of Nottingham, quotes Reuters.Nevertheless the movie speaks for itself. Here are some scoops from moviegoers.

David Edwards (Mirror):

“It’s thrilling, solidly entertaining, occasionally breathtaking…the film never gets bogged down in back story thanks to some great action set pieces…”

Anthony Stoeckert (New Jersey Newsroom) :

“…I wish Robin hood was a little more fun, but this is a movie about battle and action. It should be judged based on what it wants to be, and by that standard, it works. Its violence and war scenes are more intense than typical action movies…”

Michael Philiips (Chicago Tribune)

“I liked it. It’s on a par with Scott’s American Gangster; no revelations, but satisfying, large-scale genre movie, toned up by its cast.”

How about you, how did you find the movie?

No related posts.

GM Renaissance Center Headquarters

The Wall Street Journal has reported that the Treasury Department is interviewing Wall Street bankers so that they may advise the department on a GM initial public offering.

GM CEO Ed Whitacre said last month after a meeting with Treasury Secretary Timothy Geitner and House Speaker Nancy Pelosi, that a GM IPO was a strong possibility for 2010/2011, despite having shied away in the past from the 2010 timeline put forth by his predecessor Fritz Henderson.

With first-quarter reports set to be released today, executives have said privately that earnings will be strong and that there will even be an operating profit. With last month’s announcement that GM had fully repaid the balance on its U.S. and Canadian government loans, top White House economic advisor Lawrence Summers has said that chances are high that the U.S. government will sell its stake sooner than expected.

The overall bailout investment in GM is expected to result in a loss, but that figure now is far lower than the one that had been originally proposed one year ago; less than $8 billion compared to $30 billion.

– By: Stephen Calogera

Source: Automotive News (Subscription Required)

Starting today, Foursquare Mayors of Starbucks can cash in their hard-earned virtual reputation in the form of a $1 coupon. Frappuccinos may taste awful but slightly cheaper Frappuccinos should be drunk proudly. More »

by Joseph Romm

It was the hottest April on record in the NASA dataset. More significantly, following fast on the heels of the hottest March and hottest Jan-Feb-March on record, it’s also the hottest Jan-Feb-March-April on record.

The record temperatures we’re seeing now are especially impressive because we’ve been in “the deepest solar minimum in nearly a century.” It now appears to be over. It’s just hard to stop the march of manmade global warming, well, other than by reducing greenhouse gas emissions, that is.

Most significantly, NASA’s March prediction has come true: “It is nearly certain that a new record 12-month global temperature will be set in 2010.”

Software engineer (and former machinist mate in the U.S. Navy) Timothy Chase put together a spreadsheet using the data from NASA’s Goddard Institute for Space Studies. In NASA’s dataset, the 12-month running average temperature record was actually just barely set in March—and then easily set in April.

Actually, NASA first made its prediction back in January 2009:

Given our expectation of the next El Niño beginning in 2009 or 2010, it still seems likely that a new global temperature record will be set within the next 1-2 years, despite the moderate negative effect of the reduced solar irradiance.

Of course, there never was any global cooling—see must-read AP story: Statisticians reject global cooling; Caldeira—“To talk about global cooling at the end of the hottest decade the planet has experienced in many thousands of years is ridiculous.”

In fact, the 12-month record we just beat was set in … 2007!

Moreover, the overwhelming majority of recent warming went right
where scientists had predicted— into the oceans (see “How we know global warming is happening”):

Total Earth Heat Content [anomaly] from 1950 (Murphy et al.  2009). Ocean data taken from Domingues et al 2008.

Another 2009 article details an analysis of “monthly gridded global temperature and salinity fields from the near-surface layer down to 2000 m depth.”

Time series of global mean heat storage (0–2000 m),  measured in 108 Jm-2.

Still warming, after all these years! And just where you’d expect it. This study makes clear that upper ocean heat content, perhaps not surprisingly, is simply far more variable than deeper ocean heat content, and thus an imperfect indicator of the long-term warming trend. And the surface temperature is even more variable.

NASA’s recent draft paper reported: “We conclude that global temperature continued to rise rapidly in the
past decade” and “that there has been no reduction in the global warming
trend of 0.15-0.20 degrees C/decade that began in the late 1970s.”

NOAA points out that both satellite data sets show about the same
amount of warming as the land-based record, “which increased at a rate
near 0.16 degrees C/decade (0.29 degrees F/decade) during the same 30-year period”—
once you remove the expected stratospheric cooling from the satellite
records (see NOAA discussion here).

For the record, it was the second hottest April in both satellite
records (UAH and RSS),
which appear more sensitive to the El Niño-Southern Oscillation (ENSO)
than the land records.

I asked NASA’s James Hansen last month about the apparent 12-month
record confirming his prediction, and he noted, “that conclusion is
sensitive to how the global mean is defined … We will compare several
alternatives in an invited review paper for Reviews of Geophysics—it should be ready within a few weeks.”

That caveat noted, it is also worth pointing out that “there are no
permanent weather stations in the Arctic Ocean, the place on
Earth that has been warming fastest,” as New Scientist explained (see here and here). “The U.K.‘s Hadley Centre record simply excludes this area, whereas the
NASA version assumes its surface temperature is the same as that of the
nearest land-based stations.” Thus it is almost certainly the
case that the planet has warmed up more this decade than NASA
says, and especially more than the U.K.’s Hadley Center says (see Why
are Hadley and CRU withholding vital climate data from the public? and Finally,
the truth about the Hadley/CRU data).

After the endless disinformation-based global cooling stories of the past few years, it’s time for the media to start do some serious fact-based global warming stories (unlike this piece of he-said, she-said journalistic crap from the Boston Globe).

Related Post: Arctic poised to see record low sea ice volume this year

Related Links:

Virginia’s AG slammed for ‘witch hunt’ against climate scientist Michael Mann

Finding evidence of climate change in the caves of the American Southwest

Publicize or perish: The scientific community is failing miserably in communicating the potential ca

The Arab-American representative Rima Fakih, candidate of Michigan, beat 50 participants to take the title of Miss USA 2010 on Sunday night. Fakih, a Lebanese immigrant, moved to America when she was a baby and grew up in New York, where she was attending a Catholic school. Her family moved to Michigan in 2003. The beauty told reporters that she sold her car after graduating from college in Michigan to help pay for her participation in the beauty contest of Miss Michigan USA. During the competition, Fakih almost falls to the ground when the ride ended a long strapless evening dress due to the long tail of it, but she recovered and went on to win the contest.
Here you can see a selection of pictures of Rima Fakih in swimsuit.

Rima Fakih Swimsuit Photoshoot Video.

No related posts.

Japanese electronics giant Toshiba Corp., has said that it is going to be developing lithium-ion batteries with multiple carmakers as it aims to be a part of the pending surge of environmentally friendly cars. So far, Toshiba is set to be the supplier of batteries for Honda electric motorcycles, and an as-of-yet unidentified automaker.

Marriages between electronic companies and automakers such as this one have been becoming increasingly commonplace. Output of rechargeable batteries is expected to jump five-fold over the course of the next five-years. Sanyo has recently teamed with Suzuki, and Panasonic with Toyota.

Ryuichi Nakata, head of Toshiba’s division in charge of lithium-ion batteries, has made it known that his company is widely seeking opportunities, and is in development phases with multiple manufacturers.

The company plans to start production of its SCiB (Super Charge ion Battery) in February of 2011 with an initial capacity of 500,000 per month.

– By: Stephen Calogera

Source: Automotive News (Subscription Required)

Chrysler Group LLC Headquarters

The United States Treasury Department said Monday it has received a $1.9 billion repayment from Chrysler Holding, which emerged from bankruptcy last year. It said that the $1.9 billion payment was all it expected to recover and will lose $2.1 billion on a loan made to the Auburn Hills in early 2009.

Congressional auditors say that taxpayers are expected to lose as much as $34 billion from bailing out Chrysler and General Motors. Much of it will depend on how much the U.S. government recovers from its eventual sale of its 61 percent stake in GM and 10 percent stake in Chrysler.

The original loan to Chrysler was made on Jan. 2, 2009 by the Bush administration.

– By: Omar Rana

Source: MSNBC

Following last month’s deadly underground mine explosion in West Virginia, the recent controversy surrounding surface mining has been largely (if temporarily) forgotten — at least in Washington. But today, two House Republicans from Appalachia’s coal fields revisited the issue, ripping the Environmental Protection Agency for installing strict new guidelines designed to protect mountain streams from the destructive practice known as mountaintop removal.

In other words, the lawmakers are blasting the Environmental Protection Agency for trying to protect the environment.

“While the EPA conducts an unnecessary re-examination of the mining permitting process under the guise of environmental stewardship, the troubling reality is that the EPA’s unsolicited policy changes are aimed solely at the coal industry and more specifically, Appalachian coal,” Reps. Hal Rogers (R-Ky.) and Shelley Moore Capito (R-W.Va.) wrote Monday in an op-ed in Roll Call.

Unilaterally implementing some of the most sweeping regulatory changes in recent history, the EPA is supplanting well-established, Congressionally justified water quality programs in six Appalachian states and running roughshod over commonly agreed upon principles and practices.

It’s tough to know how the lawmakers would define “recent history” here, but evidently they don’t wish to go back too far. Not to 2002, for example, when the Bush administration unilaterally reclassified mining “waste” as mining “fill,” thereby allowing companies to fill streams more easily. And not to 2008, when the Bush White House gutted a 25-year-old rule prohibiting the disposal of mining debris within 100 feet of streams.

Here’s how The Washington Post described the 2002 change:

The “fill rule,” as the May 2002 rule change is now known, is a case study of how the Bush administration has attempted to reshape environmental policy in the face of fierce opposition from environmentalists, citizens groups and political opponents. Rather than proposing broad changes or drafting new legislation, administration officials often have taken existing regulations and made subtle tweaks that carry large consequences.

And last year, Interior Secretary Ken Salazar pointed out the reasoning behind the 2008 “stream-buffer-zone” change when he noted that it “allows coal mine operators to dump mountaintop fill into streambeds if it’s found to be the cheapest and most convenient disposal option.”

But company expense and convenience, Salazar said in proposing to abandon Bush’s rule, shouldn’t be the only considerations when issuing permits.

We must responsibly develop our coal supplies to help us achieve energy independence, but we cannot do so without appropriately assessing the impact such development might have on local communities and natural habitat and the species it supports.

Whether they can succeed in the face of industry opposition — opposition evidenced by today’s Rogers-Capitol op-ed — is another question.

Noah’s review of the LG Ally. Android 2.1 plus LG’s UI plus capacitive touch and full QWERTY = Watch to find out!

A group of Oregon National Guardsmen returning from Iraq recently noticed that that the medical care the Army provided at Joint Base Lewis-McChord in Washington state differed significantly from what their active-duty comrades received. And they might have discovered a systemic problem in the process.

Some Guardsmen from the 41st Infantry Brigade Combat Team, while still called up on active duty, found themselves getting rushed through Lewis-McChord’s medical facilities. So they contacted their members of Congress to alert them to what they considered alarming anomalies between their treatment and that given to active-duty soldiers. Staffers for two Oregon legislators, Sen. Ron Wyden (D) and Rep. Kurt Schrader (D), visited Lewis-McChord on May 11. They quickly found that “this was more than a couple of isolated incidents,” said Wyden spokeswoman Jennifer Hoelzer.

Interviews with base staff and members of the 41st IBCT eventually led the congressional aides to discover a PowerPoint presentation at the base that clearly placed reservists and active-duty soldiers on two different tracks for medical attention. The PowerPoint, assembled by the family practice department at the base’s Madigan Army Medical Center, indicated that the goal for active-duty soldiers was to “RUSH” attention for an acute illness or infirmity to a unit medical provider. For reservists, the goal for most demobilizing soldiers was “GET HOME NOW.” For Guardmen and Guardswomen getting ready to deploy, it was “Get acute issues resolved and be eligible to deploy.” Feel confident about that standard of care?

The PowerPoint itself carried a flip — to the Oregon Guardsmen, offensive — illustration of the bifurcation. I’ll put the slide below:

In a letter to Wyden and Schrader, the chief of the Army’s Medical Command, Lt. Gen. Eric Schoomaker, “apologize[d]” for what he called the “insensitive and offensive depiction of Reserve Component Soldiers in this presentation.”

That’s not good enough for Wyden and Schrader. They’ve written to Army Secretary John McHugh asking for a full investigation of whether members of the 41st were treated as “second-class soldiers” and ensuring that the Guardsmen get “all the medical, pay and other benefits to which they are entitled.” Wyden spokeswoman Hoelzer expects McHugh in for a discussion about next steps later this week.

Filed under: Motorsports, Etc., South America

Despite the best efforts of racing organizations the world over to clean up their image, it’s pretty tough to consider any kind of motorsport squeaky clean. Apparently, that’s especially true of the recent Dakar rally in South America. Besides the expected burning of fossil fuels and the emissions associated with it, the National Monuments Council (NMC) of Chile reports that the off-road race caused roughly $570,000 (300 million pesos) of damage to 56 of the country’s 111 heritage sites.

Further, the NMC says that 13 of those heritage sites suffered from lost archeological data. Apparently, this isn’t the first such instance of collateral damage during the Dakar race. Last year, a similar report was filed by the NMC, and the organization is again asking that the rally organizers pay these costs.

For what it’s worth, such damage was not unexpected. Late last year, the NMC drafted a detailed report of expected damage to the sites it monitors. Next year, though, the NMC is hoping that its report, which will be completed this August in anticipation of the event early in 2011, will be handed out to rally participants so they know where to tread especially lightly.

[Source: Moto-Net via Motorbiker | Image: Gabriel Bouys/AFP/Getty Images]

Eco Unfriendly: Dakar 2010 caused 570K of damage in Chile originally appeared on Autoblog on Mon, 17 May 2010 17:32:00 EST. Please see our terms for use of feeds.

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Just because we own it doesn’t meant we have to recognize it. That was the message of the Senate on Monday evening when it voted down an amendment (.pdf) which would have required the government-sponsored entities Fannie Mae and Freddie Mac be brought on budget. The government promised to stand behind the institutions and put them into conservatorship in 2008. The measure, sponsored by Sen. Mike Crapo (R-ID), failed by a vote of 47-46. Because it was brought up as a motion to waive a budget point of order, it would have required 60 votes.

It’s pretty confusing to understand how Congress can get away with not recognizing in its budget nationalized corporations that have become part of the federal government. At this time any losses these companies incur will be covered by taxpayers. So shouldn’t its “outlays, receipts, deficits or surpluses” be a part of the “Budget of the United States Government”? You would think so.

But then you wouldn’t know much about politics. This amendment failed for two main reasons. First, it would likely require Congress to raise the debt ceiling. That’s something they surely have no desire to do.

Second, Congress really has very little desire to rein in Fannie and Freddie. This has already been seen through the Senate’s financial reform amendment process. Two earlier attempts at GSE reform failed soundly. This one apparently scared Senate Banking Committee Chairman Chris Dodd (D-CT) so much that he used a special motion to require 60 votes, instead of the 50 customary for every other amendment to pass. Indeed, at 47 yea-votes, and seven senators not voting, it might have had a shot at exceeding 50.

The amendment would also have limited the size of Fannie and Freddie’s bailout to $200 billion. So far, it’s cost taxpayers around $148 billion.

by Ashley Braun

Dis’ hip hop duo thinks it’s ridonkulous not to ditch dairy and meat ‘cuz they be eatin’ “only ripe vegetables, fresh fruit and whole wheat.” Whole foods, fo’ realz.

Apparently, the all-natural life prescribed in this song precludes drinking tap water but not smoking weed.

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Related Links:

Friday music blogging: Band of Horses again

Wasteful bandit gets wiped out by police

The kind of traffic we wouldn’t mind more of

-VH1 is rolling out the red carpet for a new unscripted trainwreck: Introducing Dad Camp — a new docureality series that attempts to “transform six unprepared soon-to-be dads into respectable and proactive fathers.” Yeah — good luck with that. The eight-episode, one-hour series, hosted by The Maury Show’s resident M.D. Jeff Gardere, premieres Memorial Day Monday, May 31 @ 10:30/9:30c on VH1….

-On Monday, rocker Chris Daughtry announced to fans that he is going to be a proud dad of twins!

-Gabourey Sidibe’s Subway-singing mother (If you’re ever in NYC, you must check her out. She’s phenomenal!) is defending the breakout star against reports that stardom has turned her into a Melrose Place superbitch…..

-Attention Brits: International songbird Leona Lewis has partnered with European animal rights group World Society for the Protection of Animals (WSPA) to offer fans the chance to win a pair of tickets to a show on her upcoming UK tour. CLICK HERE for more details on how you can win….

-Break out the Brain Bleach — Is NBA star Delonte West nailing LeBron James’ mama?!

–Complex takes a look back at LeBron’s Greatest Moments in Cleveland…

-Valedictorian Emily Hawley proposed to her longtime boyfriend Josh Walker during her commencement speech at New Jersey’s Centenary College. Um — a bit too “independent woman-esque” for me, but congrats just the same……

-Is the a link between exposure to pesticides and the onset of ADHD in children?

-Chad Ochocinco has about 900,000 followers on Twitter and he’s offering a cool $10,000 to his lucky 1 millionth…

-Zac Efron’s Charlie McCloud opens in theaters in October. Have you seen the trailer? After the tragic death of his younger brother, Charlie St. Cloud realizes that he has a special gift and can still see his brother. Unfortunately, problems arise when Charlie meets the woman of his dreams.

-Ashton Kutcher on The TODAY Show….

-Speaking of Ashton, Demi may want to thead lightly. According to a study by researchers at The Max Planck Institute for Demographic Research in Germany, a woman’s chance of death increases by at least 20% if she is married to a man who is nine years, while Sugar Daddies — who enjoy the company of younger women — tend to live longer. Ain’t that a bitch?

-Christina Aguilera says she has no grips with “newcomer” Lady Gaga, thank you very much!

-Now states want to tax online shoppers!

-A sad look at how racism and colorism in America is still affecting children…

-And while we’re on the subject of racist foolish, conservative noodle noggins are coming out of the woodwork with conspirarcy theories about why Rima Fakih won the crown at last night’s Miss USA 2010 pageant…..

-Former 98 Degrees crooner Drew Lachey and wife Lea have welcomed their second son Hudson….

-Can Terrence Howard pull off Marvin Gaye….

–Ashley Olsen made a safe emergency landing in Virginia Sunday night after the cockpit of the plane she was flying from NYC to LA caught on fire….

-Dr. Conrad Murray — the M.D. facing trial in connection with the death of pop great Michael Jackson – saved a woman’s life on a weekend flight….

-Jennifer Hudson will play Winnie Mandela whether Winnie Mandela likes it or not!

-Gisele Bundchen is still Queen of the Runway!

-He Who Married Daughter Defends He Who Raped And Drugged A 13-Year-Old: In news that will surprise absolutely no one, lensman Woody Allen is throwing his support behind colleague and poor persecuted pervert Roman Polanski….

-Mark your calendars: Jay-Z’s Greatest Hits compilations — Volume I — hits stores June 29….

-FOX shakes up American Idol….

-Jules Verne’s 20,000 Leagues Under The Sea — one of my favorite books as a preteen — is finally on its way to theaters! I can’t wait….

-I’ve officially heard it all: A New York City animal shelter is appealing to the public to donate their Viagra to keep a pitbull with a severe heart condition alive. Ingrid The Dog, age 6, is very ill with ticker troubles caused by untreated heart worms. Vets say Ingrid’s life depends on the little blue pill — originally formulated to treat heart disease, but now commonly used to subside the effects of erectile dysfunction.

The public has really rallied around the pooch, with one woman handing ver her husband’s supply of after suspecting he was using the pills to have an affair!

–The Pianist’s Adrien Brody has joined the cast of Woody Allen’s Midnight in Paris, which begins shooting in the French capital this summer. Adrien sure likes being under the direction of perverts…

-FOX announced this morning that they will air a special episode of Glee after next year’s Super Bowl…

–Sir Simon Cowell….Kinda has a nice ring to it…..

-Countess LuAnn gets a dose of tough love live from Franklin Lakes….

-Marilyn Monroe’s Gentlemen Prefer Blondes dress is up for auction….

–Nine sneak peek clips from Sex And The City 2! Remember — the movie opens in theaters May 27!

When the very controversial South Dakota coal plant Big Stone II – with all its permits in place and finally due to be built this year – was finally canceled at the end of last year; the cancellation created an opportunity for wind power.

It was to have supplied customers in Minnesota.  New transmission lines were to have hauled its dirty power from the coal plant to supply the Twin Cities.

A month later, Minnesota, which has a Renewable Energy Standard and clean energy legislation in place, slapped the first ever border carbon tax on coal power from across its North Dakota border.

Now, according to Businessweek, those new and upgraded high-voltage transmission lines, originally slated to carry the dirty power from Big Stone II, will instead be used to carry South Dakota’s clean wind power. (more…)

As I prepare for the next in the “HTPC Basics” Series, I thought I’d reach out to GeekTonic readers to see which operating system you use.  Please vote for the OS you’re using on your HTPC – if you have multiple ones with different HTPCs in the home, feel free to select each OS in the poll.

As an added benefit, I’m testing out the Polldaddy service as a possible tool for polls and surveys here. 

Comments welcome as always!

Article Tags: 2010 Forecast, World Temperatures, You could not make it up

Two separate sources of temperature data – the National Climatic Data Center and NASA – report that, through April, 2010 is the warmest year ever recorded.

The climate center (NCDC) reports that the Earth’s combined land and ocean average surface temperature from January-April was 56 degrees, which is 1.24 degrees above the 20th-century average.

El Nino — a periodic natural warming of the tropical Pacific Ocean — is partly to blame for the unusual warmth.

NASA’s Goddard Institute for Space Studies also reports that 2010, so far, is the warmest out of 131 years. Both NCDC and NASA use data that goes back to 1880.

Last month, NASA issued a report that predicted 2010 would likely end up as the warmest year on record, due to the combintation of global warming and El Nino. The report states that “a new record global temperature, for the period with instrumental measurements, should be set within the next few months as the effects of the recent and current moderate El Nino continue.”

Source: content.usatoday.com

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