Few report sex assaults at military academies

New details in a Pentagon report show that military academy students report just a fraction of the sexual assaults they say occurred in the past school year, signaling a continued reluctance by victims to seek criminal investigations.
As reported earlier this week, the report shows that reported sexual assaults at the nation's three military academies jumped by 23 percent overall this year. But officials say that at least some of the increase is the result of ongoing efforts to encourage military members and students to report unwelcome sexual contact.
Defense Secretary Leon Panetta said in a memo released Friday that he's concerned there hasn't been greater progress in preventing sexual assault and harassment at the academies. He has asked officials to beef up prevention programs.
According to an anonymous survey of academy students, more than 50 percent of women and 10 percent of men said they experienced sexual harassment during the last school year. At the same time, a bit more than 12 percent of women and 2 percent of men enrolled in the three military academies said they experienced "unwanted sexual contact."
Those percentages are largely the same as previous years, but they indicate that far more students experience either sexual harassment or assault than the 80 who reported it in the past year. There were 65 reported sexual assaults in the 2010-2011 academic year, and 41 the previous year.
Of the 80 reported assaults, 42 victims provided information to law enforcement or their commands for an investigation, while 38 accessed medical care and other services but declined to seek an investigation.
According to Maj. Gen. Gary Patton, director of the sexual assault prevention and response office, sexual assault "continues to be a persistent problem" at the academies. But he noted that based on the survey, as much as 84 percent of the crimes go unreported.
That number is a concern, he said, and noted that sexual assaults are a problem in society more broadly. Still, he said, the military must be held to a higher standard.
Of the cases investigated this year, just eight people have been sent to court martial. Five cases have been completed and four were convicted of at least one charge. Three cases are continuing. In some cases the person being investigated was not a member of the military and thus did not fall under the jurisdiction of the department.
The documents also show that cadets and midshipmen are three times as likely to be victims of assault as active-duty troops.
Navy officials expressed concerns that the data suggests there is the perception among some Naval Academy students that a culture persists that discourages the reporting of these crimes.
"I am disappointed that we have apparently not instilled in each and every midshipman the sense that being loyal to one another means first being loyal to the service and to the uniform," said Navy Secretary Ray Mabus.
Mabus said he has asked Navy leaders to take steps to "deglamorize the use of alcohol" and foster a command climate that is more conducive to the reporting of sex crimes.
Protect Our Defenders, an advocacy group for military personnel who have been sexually assaulted, said the report shows a continuing need for changes in the command structure and the culture of the military.
"Victims are afraid to come forward because of the retaliation they face, including victim-blaming, isolation and bad performance reviews, to being kicked out with errant medical discharge like personality disorders," said the group's president, Nancy Parrish. "It's a shameful blight on our nation."
Rep. Mike Turner, R-Ohio, co-chairman of the Military Sexual Assault Prevention Caucus, said that while the statistics are troubling, "the increased rate of reporting is in response to efforts combating this issue, both by leadership at the Defense Department, and by Congress." Those efforts, he said, will continue.
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Iran claims it has circumvented sanctions

Iran's oil minister claims his country has successfully circumvented sanctions on the sale of its oil.
State TV on Sunday broadcast comments by Rostam Ghasemi that the industry was in "bad shape" about two months ago due to the oil embargo by the West, "but we left the bottleneck behind, almost."
Ghasemi also said that Iran has set up its own insurance for ships that carry its oil after Western companies refused to cover them.
Iran's oil exports have fallen by about half in recent months due to the punitive oil and banking measures enacted by the U.S. and Europe over concerns Tehran is pursuing nuclear weapons. The currency has also plummeted.
Iran denies that it is developing weapons. It has taken a consistently defiant tone toward the sanctions.
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Linguist charged under Espionage Act is released

A federal judge has released a linguist for the Navy in Bahrain who is facing charges, under the Espionage Act, of possessing classified documents without authorization. But the judge ordered him to be kept under surveillance by an electronic monitoring device.
James Hitselberger, who is fluent in Arabic, has pleaded not guilty to the charges. His job as a federal contractor was to translate documents for the Joint Special Operations Task Force-Gulf Cooperation Council. The council contains a unit conducting unconventional warfare, counterterrorism and special reconnaissance.
An FBI affidavit unsealed last month says Hitselberger copied documents that discussed military troop activities in the region and gaps in U.S. intelligence in Bahrain.
In his ruling Wednesday, Judge Rudolph Contreras ordered Hitselberger to stay within 25 miles of the Washington area.
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Rate on 30-year mortgage ticks up to 4 percent

WASHINGTON (AP) — The average rate on the 30-year mortgage hovered above the record low for a third straight week. But cheap mortgage rates have done little to boost home sales or refinancing.
Freddie Mac said Thursday that the rate on the 30-year loan ticked up to 4 percent from 3.99 percent. Six weeks ago, it dropped to a record low of 3.94 percent, according to the National Bureau of Economic Research.
The average rate on the 15-year fixed mortgage rose to 3.31 percent from 3.30 percent. Six weeks ago, it hit a record low of 3.26 percent.
Rates have been below 5 percent for all but two weeks this year. Yet this year could be the worst for home sales in 14 years.
Mortgage applications fell 10 percent this week from the previous week, according to the Mortgage Bankers Association.
High unemployment and scant wage gains have made it harder for many people to qualify for loans. Many Americans don't want to sink money into a home that could lose value over the next three to four years. And most homeowners who can afford to refinance already have.
The low rates have caused a modest boom in refinancing, but that benefit might be wearing off. Most people who can afford to refinance have already locked in rates below 5 percent. Refinancing fell 12.2 percent last week, according to the mortgage bankers group.
The average rates don't include extra fees, known as points, which most borrowers must pay to get the lowest rates. One point equals 1 percent of the loan amount.
The average fees for the 30-year and 15-year fixed mortgages were unchanged at 0.7.
The average rate on the five-year adjustable loan fell to 2.97 percent from 2.98 percent. The average rate on the one-year adjustable loan increased to 2.98 percent from 2.95 percent.
The average fees on the five-year and one-year adjustable loans were both unchanged at 0.6.
To calculate average mortgage rates, Freddie Mac surveys lenders across the country Monday through Wednesday of each week.
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Rate on 30-year fixed mortgage falls to 3.98 pct.

WASHINGTON (AP) — The average rate on the 30-year fixed mortgage hovered above its record low for a fourth straight week. But cheap mortgage rates have done little to boost home sales or refinancing.
Freddie Mac says the rate on the 30-year fixed loan fell to 3.98 percent from 4 percent the previous week. Seven weeks ago, it dropped to a record low of 3.94 percent, according to the National Bureau of Economic Research.
The average rate on the 15-year fixed mortgage edged down to 3.3 percent from 3.31 percent. Seven weeks ago, it too hit a record low of 3.26 percent.
Rates have been below 5 percent for all but two weeks this year. Yet this year could be the worst for home sales in 14 years.
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U.S. Housing Market Still On Life Support

With each passing year, the former Oracle of the Fed, Alan Greenspan, is reminded that there really was a housing bubble and lowering interest rates to record lows just matters worse.  Nearly four years after the housing market peak in 2007, record low mortgage rates are no match for falling incomes and 9% unemployment.
The Case-Shiller Home Price Index, released on Tuesday, showed that nation wide home prices did not register a significant change in the third quarter of 2011, with the U.S. National Home Price Index up by only 0.1% from its second quarter level. Home prices are down 3.9% across the board and are now back to their first quarter of 2003 levels.
From August to September, housing prices have fallen the most in Atlanta, with a 5.9% decline, followed by Tampa Bay and San Francisco, both with a 1.5% drop in housing prices.
Boston, New York, Washington and Los Angeles remain the most expensive cities in the lower 48 states.
"The plunging collapse of prices seen in 2007-2009 seems to be behind us," says David M. Blitzer, Chairman of the Index Committee at S&P Indices. "Any chance for a sustained recovery will probably need a stronger economy."
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U.S. Housing Market Still On Life Support; Prices At 2003 Levels

With each passing year, the former Oracle of the Fed, Alan Greenspan, is reminded that there really was a housing bubble and lowering interest rates to record lows just made matters worse.  Nearly four years after the housing market peak in 2007, record low mortgage rates are no match for falling incomes and 9% unemployment.
The Case-Shiller Home Price Index, released on Tuesday, showed that nation wide home prices did not register a significant change in the third quarter of 2011, with the U.S. National Home Price Index up by only 0.1% from its second quarter level. Home prices are down 3.9% across the board and are now back to their first quarter of 2003 levels. The market consensus was for a 3% decline year over year.
From August to September, housing prices have fallen the most in Atlanta, with a 5.9% decline, followed by Tampa Bay and San Francisco, both with a 1.5% drop in housing prices.
Boston, New York, Washington and Los Angeles remain the most expensive cities in the lower 48 states.
"The plunging collapse of prices seen in 2007-2009 seems to be behind us," says David M. Blitzer, Chairman of the Index Committee at S&P Indices. "Any chance for a sustained recovery will probably need a stronger economy."
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Home market being held back by wary first-timers

WASHINGTON (AP) — This should be a great time to buy a first home. Prices have sunk to 2002 levels. Sellers are waiting anxiously as homes languish on the market. Mortgage rates are their lowest ever.
Yet the most likely first-time homeowners, especially young professionals and couples starting families, won't buy these days. Or they can't. Or they already did, during the housing boom. And their absence helps explain why the housing industry is still depressed.
The obstacles range from higher down payments to heavy debt from credit cards and student loans. But even many of those who could afford to buy no longer see it as a wise investment. Prices have sunk 15 percent in three years.
"I've looked for a home, but the places we can afford with the money we have are not that great," says Seth Herter, 23, a store manager in suburban St. Louis. "It also doesn't seem smart anymore to buy with prices falling. Buying a home just doesn't make sense to us."
The proportion of U.S. households that own homes is at 65.1 percent, its lowest point since 1996, the Census Bureau says. That marks a shift after nearly two decades in which homeownership grew before peaking at 70 percent during the housing boom.
The housing bubble lured so many young buyers that it reduced the pool of potential first-timers to below-normal levels. That's contributed to the decline in new buyers in recent years.
In 2005, at the height of the boom, about 2.8 million first-timers bought homes, according to the National Association of Realtors. By contrast, for each of the four years preceding the boom, the number of first-timers averaged fewer than 2 million.
Still, the bigger factors are the struggling economy, shaky job security, tougher credit rules and lack of cash to put down, said Dan McCue, research manager at Harvard University's Joint Center for Housing Studies. The unemployment rate among typical first-timers, those ages 25 to 34, is 9.8 percent, compared with 9 percent for all adults.
"The obstacles facing first-time buyers are big, and it's changing the way they look at home ownership," McCue says. "It's no longer the American Dream for the younger generation."
First-timers usually account for up to half of all sales. Over the past year, they've accounted for only about a third.
A big reason is tougher lending standards.
Lenders are demanding more money up front. In 2002, the median down payment for a single-family home in nine major U.S. cities was 4 percent, according to real estate website Zillow.com. Today, it's 22 percent.
And one-third of households have credit scores too low to qualify for a mortgage. The median required credit score from FICO Inc., the industry leader in credit ratings, has risen from 720 in 2007, when the market went bust, to 760 today.
Homes in many places are the most affordable in a generation. In the past year, the national median sale price has sunk 3.5 percent. Half the homes listed in the Tampa Bay area are priced below $100,000.
The average mortgage rate for a 30-year fixed loan is 4 percent, barely above an all-time low. Five years ago, it was near 6.5 percent. In 2000, it exceeded 8 percent.
When the economy eventually strengthens, the housing market will, too. More people will be hired. Confidence will rise. Down payments won't be so hard to produce.
The question is whether first-time buyers will then start flowing into the housing market. That will depend mainly on whether they think prices will rise, said Mark Vitner, senior U.S. economist at Wells Fargo.
"It's a guessing game as to when things will turn around," Vitner said. "But until they do, you won't see young people buying homes."
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New Women’s Heart Link Networking Location Opens in Lockport, NY

The Heart Link Women’s Network®, with over 200 locations in the U.S., Canada and Australia, is pleased to announce its expansion into Lockport, NY.

Lockport, NY (PRWEB) December 21, 2012
The Heart Link Network® welcomes a new women’s networking Leader in Lockport, NY. Linda is a Director for Melaleuca and also a Distributor for SendOutCards and she is excited to serve her community leading networking events for professional women.
“I'm excited to lead a local Heart Link Network chapter. Our chapter is full of women that love referring business to each other. Women that attend our events benefit by increasing their sphere of influence while having a great time building lifelong friendships.” - Linda Feagin
Women who attend The Heart Link Network® meetings enjoy showcasing their business in the spotlight for 3 minutes while still enjoying time set aside for socializing and connecting with one another at the gathering. The Heart Link Network® is the only networking organization that has a special program to honor different women in the community such as teachers, new moms, nurses, firefighters, police, military, etc. each month. Each month, these women who are normally excluded from networking, are celebrated and honored at The Heart Link Network meeting.
"I believe that when relationships are created, business naturally happens. It's organic and long-lasting," says Laura Wells, president of The Heart Link Network. "Women appreciate and value fairness and authenticity. We are tired of the fluff and superficial relationships that we get from traditional networking meetings. The Heart Link Network is the perfect combination of a fun 'girls-only social event' and ‘networking for businesses. Real friendships and real business takes place at a Heart Link Network meeting." - Laura Wells, President of The Heart Link Network
The Heart Link Network® has more networking locations than any other women’s networking organization. The meeting fee is a nominal $25.00 and includes a light meal as well as a company-exclusive spot at the meeting. There is no up-front membership fee required. Women in Lockport, NY, may go to http://www.14094.theheartlinknetwork.com to register for a gathering. To see a full list of women's networking locations, discover the generous perks of sponsoring a local women's networking chapter, or to submit an application to lead a chapter of The Heart Link Network®, visit http://www.womens-networking.com
THE HEART LINK NETWORK® was created by Dawn L Billings, an executive coach and highly sought-after speaker. As a psychology and personality expert, and author of over 20 books, Dawn was selected as one of the nation’s 80 emerging women leaders by Oprah magazine and The White House Project.
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Intereum Partners With Life Time – The Healthy Way of Life Company – for the Commitment Day Challenge

Intereum has partnered with Life Time Fitness and the Commitment Day challenge for 2013.

Plymouth, Minnesota (PRWEB) December 21, 2012
Intereum has partnered with Life Time Fitness and the Commitment Day challenge for 2013. This first ever Commitment Day fitness revolution is urging all Americans to commit to a healthy and active way of life. On January 1, 2013, hundreds of thousands of Americans will kick off the New Year by participating in a simultaneous 5K – run/walk event spanning 35 cities.
Having worked closely with Life Time on many facility projects here in Minnesota, across the country and Canada, Intereum wanted to partner in this rally to show the relationship to not only living healthy, but working healthy. “Having had the opportunity to work with Life Time Fitness as a business partner and as a long time club member, I had no hesitation aligning the goals of Commitment Day with the goals of Intereum, my employees, and subsequently Intereum’s client base,” comments Bret Abbot, Owner of Intereum. “We help organizations and people create healthy and productive work environments through the application of our knowledge, resources, and high quality designed products. I believe we help create healthy work environments!” With a full line of ergonomic chairs and work tools, we understand the relationship of health-positive products and the impact they can have on workers. The two go hand in hand and what better way to start the New Year than committing to a healthy start.
“Commitment Day is about millions of Americans committing to healthy, active lifestyles for themselves and their families,” said Bahram Akradi, Chairman, President, CEO and Founder of Life Time. “It will be a day of epic proportions as hundreds of thousands of individuals join together in support of healthy people, a healthy plant and a healthy way of life. At a time when our nation is at a breaking point with ever-rising obesity rates, a generation of children facing serious health consequences, escalating health care costs and controllable diseases spiraling out of control, the time for us to take action is now.”
With the launch of Commitment Day, Life Time will present Americans with a no excuses healthy lifestyle revolution. Intereum stands alongside that message and encourages everyone to commit to a healthy way of life, and extend a helping hand to others to do the same.
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