inquisitor switcher: October 2012

Wednesday, October 31, 2012

Anti-Age Your Body | Fashion Style Magazine

These simple adjustments to your lifestyle can really add up. Plus, get the best beauty tips for every age.

WHAT CAUSES AGING?

Like death and taxes, aging is something we all go through eventually?nips, tucks, Spinning classes, and green juices notwithstanding. And yet you can keep the effects of aging at arm?s length, enjoying many more vibrant, healthy years looking fabulous than generations before. The question is not, How will I age? but, How much can I slow it down? From exercise and diet to supplements and brain training, here are the most effective ways to hold back the hands of time.

First, let?s ID the enemy. Scientists are continuing to isolate the main causes of aging (beyond the mere passage of time), and keeping each one in mind as you make daily choices will make a world of difference.

TO START, THERE?S OXIDATION
which occurs when too many free radicals (a normal by-product of metabolism) go unchecked, leading to stressed tissues and weakened organs. Think of oxidation as a bit like rust on a bike. Without proper intervention?like antioxidants?free radicals can make your system rather worn-out and creaky.

NEXT, INFLAMMATION
particularly the whole-body, low-level inflammation that is associated with heart disease, mental decline, and arthritis. Excess weight, stress, and poor diet can all cause inflammation.

THIRD, GLYCATION
a process wherein sugar molecules attach to protein molecules, resulting in damaged, more inflexible tissue. This can not only lead to wrinkles but also hamper the working of internal organs.

FINALLY, LOOK TO YOUR DNA
Specifically, to the very tips of each strand, called telomeres. Emerging science (which garnered the Nobel Prize in 2009) has found a link between short telomere length and increased signs of aging. (Each time a cell divides, the telomeres erode further.) Many factors can hasten the shortening process, but a few habits can help keep strands long and strong.

DIET SECRETS

Certainly you?ve heard about the benefits of a balanced diet high in fruits, vegetables, whole grains, and lean proteins. So we?re not going to retread that territory. Instead, here?s some of the newest research on what to eat.

GO EASY ON THE GRILLING
While it?s often thought of as a dieter?s delight (simple, easy, flavorful), grilling is a key factor in glycation, says Janis Jibrin, lead nutritionist for TheBestLife.com, because high heat creates something called an advanced glycation end product (AGE). The more aptly named AGEs in your body, the more potential for cellular damage. Rather, choose lower-heat cooking methods, such as steaming, poaching, or using a slow cooker, says Jibrin. She also notes that marinating meats can cut down on AGEs, particularly if you use a marinade with lemon or vinegar to increase the acidity.

VEGGIES NEED BACKUP
Yes, you know to eat those antioxidant-rich fruits and vegetables, but when in doubt, add a range of items to your plate, says Jibrin, since each one helps the other in the free-radical cleanup effort. ?Orange, grape, and blueberry together have a more powerful antioxidant effect than if you added up the effect of each,? she says.

ANOTHER PERK TO COFFEE
It?s constantly in the news for something (good, bad, or indifferent), but a recent Finnish study found that people who drank three to five cups of coffee a day had a 65 percent lower risk of Alzheimer?s and dementia. Tea has impressive anti-aging benefits too, says Bob Greene, health expert and author of 20 Years Younger. It?s linked to lower risk of stroke, heart disease, Alzheimer?s, Parkinson?s, and some cancers.

A SWEET SIGHT
Dark chocolate makes its own headlines for its heart-healthy antioxidants, but recent studies add improved vision and athletic endurance to the benefits. Look for 50 percent cacao and avoid ?Dutch processed? or ?alkalized? bars, says Jibrin, because these processes can strip antioxidants.

EXERCISE THAT WORKS

The usual suspects?cardio, strength training, and stretching?should be old news by now. By lowering your body weight, achieving a more ideal body mass index (BMI), and increasing your muscle mass, you?ll beat back age-related muscle loss, heart disease, diabetes, insulin resistance, and pretty much every other chronic condition you can think of, says Greene. Exercise is so powerful it can actually lengthen those ever-shortening telomeres that are such an accurate marker of aging.

WORK OUT HARDER, NOT LONGER
While it may be tempting to scrap a workout if you don?t have a full 30 to 60 minutes to spare, a raft of studies have found that the benefits of brief blasts are substantial. You don?t have to sprint until you pass out, but if you?re on the elliptical and reading a magazine, you?d better be dripping sweat on every page, says health psychologist Eli Puterman, who studies the link between exercise and aging at the University of California, San Francisco. ?To get the most benefits, the truth is that exercise should be hard,? says Greene.

SWEAT FOR YOUR SANITY
Exercise also helps squelch depression, reduce stress, boost brain volume, and bolster your memory, says Puterman. In one recent study, researchers saw actual growth in the brain?s memory area among older adults who began an exercise regimen, says exercise physiologist Geralyn Coopersmith, national director of the Equinox Fitness Training Institute.

SHAKE IT
Those hulking Power Plate machines at most gyms just may be the best reason to keep paying your dues, says Coopersmith. Research has shown that ?whole-body vibration? sessions can help grow muscle tissue and balance levels of cortisol and other hormones.,

THE BEST SUPPLEMENTS

No health expert worth his or her salt would deny that the best way to get most youth-enhancing nutrients is the old-fashioned method: through diet. But in some cases, a bit of a helping hand may be warranted. Take a multivitamin and consider the following:

GET EXTRA OMEGA-3S
Unless you?re eating several servings of fatty fish per week, chances are you?re not reaping the benefits of their potent fatty acids. Omega-3 fish oils have been shown to reduce heart disease risk and help fortify the brain, says Jeffrey Blumberg, director of the Antioxidants Research Laboratory at the Human Nutrition Research Center on Aging at Tufts University in Boston. Aim for 1,000 to 2,000 milligrams per day.

DO D
Unless you live year-round near the equator, eat tons of beef liver, mushrooms, or certain types of fish, or entirely skip sunscreen, you?re probably not getting enough vitamin D, says Blumberg. Adds Greene, ?A dearth of D has been linked to age accelerants, including depression, osteoporosis, weak immunity, and heart disease.? Blumberg advises 1,000 to 2,000 IUs a day.

BEWARE THE HORMONE HYPE
Some aggressive ?antiaging clinics? have begun singing the praises of human growth hormone (hGH) and dehydroepiandrosterone (DHEA) supplements?two substances that our bodies produce in diminishing levels as we age. The theory is, if these hormones define the very essence of our younger years, why not add them back in as time marches on? In fact, there have been some reports of gains in stamina and muscle, and lower body fat, from taking hGH, says endocrinologist John J. Merendino Jr., assistant clinical professor at George Washington University School of Medicine and Health Sciences in Washington, D.C. ?But treated individuals have also had an increase in certain problems, including arthritis and diabetes,? says Merendino. For DHEA, ?most studies have not shown any real improvement in muscle or bone mass or stamina or overall perceived well-being,? he says. In short, it?s risky.

CAN YOU REPAIR YOUR DNA?
Ever since it was discovered that undersize DNA telomeres were implicated in aging, the search has been on for something to help stretch out those strands, namely, to find something to mimic declining levels of the enzyme telomerase. Enter TA-65, the name brand of a molecule extracted from Chinese astragalus root, which seems to lengthen dwindling tips, at least in animal studies. Bottom line: Stick to working out. Coopersmith points to a German study that found vigorous exercisers had the telomeres of people up to 10 years younger.

MIND MATTERS

Cutting stress is easier said than done?and it?s often overlooked as a prime source of aging. But pressures of work, caregiving, and any emotional upheaval can prompt a near-constant flow of the stress hormone cortisol, which, when unneeded, can disrupt sleep, prompt hunger and belly-fat storage, and a host of other toxic effects, Coopersmith says. Her advice to new moms and caregivers for aging parents: Get help. A 2007 study found that people in caregiving roles had accelerated telomere shortening, literally aging faster than those not under pressure.

SLEEP IT OFF
Adequate shut-eye is as important as anything in staying youthful. Sleep is when the body repairs, says Coopersmith, and getting enough keeps stress at bay, your mind sharp, pounds off, and blood sugar stable.

LIGHTEN UP
New research has found a strong link between depression, anxiety, anger, and shorter telomeres, says physician Hilary Tindle, who does research at the Pittsburgh Mind-Body Center. ?We?ve seen that increased optimism and forgiveness can lower blood pressure and heart rate, and reduce depression, which helps tamp down overall inflammation,? adds Tindle.

SEE THE FOREST?AND THE TREES
Find something that injects short bursts of joy and relaxation into your day, says Tindle. Treat yourself to fresh flowers weekly. Or even just align your desk to get a more verdant view. Research shows that people who have a view of nature have lower stress levels than those who don?t. So that beach vacation you?re thinking of taking? Tell your accountant it?s an investment in your health.

Tags: Anti-Age Your Body, Beauty, headline, health

Source: http://www.fashionstylemag.com/2012/beauty/anti-age-your-body/

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Linda Hogan on Hulk Hogan Sex Tape: What an Embarrassment!

Source: http://www.thehollywoodgossip.com/2012/10/linda-hogan-on-hulk-hogan-sex-tape-what-an-embarrassment/

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Friday, October 26, 2012

Painless Tinnitus Research Products | Healthuse - Health & Fitness ...

It is time to take action and get rid of your tinnitus. Perhaps you have not tried doing anything before because this ringing in your ears does not seem to be a serious problem. Actually, tinnitus could be a symptom of a health issue and can be more than just being unpleasant. Read this article to learn more.

There are many natural sleep aids which can help you fall asleep without being harassed by the symptoms of tinnitus. Herbal teas like chamomile are an excellent treatment to start with, but if that doesn?t work you can visit a health product store and they?ll be able to recommend an item which can provide you with some relief.

Be curious about your disease! Find out what tinnitus is, what makes it worse, where the sounds come from, and how you can make the symptoms better. Investigate exercises which help, or diet changes which make the ringing quieter. You have to be your own best friend when it comes to finding the treatment which works for you!

Use ?white noise? to help manage tinnitus. If your doctor has looked for and ruled out treatable conditions, you can still minimize the sensation of ringing or whistling in your ears by using external masking sounds such as an electric fan or quiet music. White noise can also help you sleep better, which is good for your overall health.

One tip for managing tinnitus is to visit the dentist and get evaluated for dental problems. Have the dentist check for temporomandibular jaw syndrome and discuss treatments with you if it is needed. If you wear dentures, have the dentist check that they fit you properly. Correcting dental problems may help reduce tinnitus. Visit Click HERE for quality info.

Look into using a hearing aid. If you are getting tinnitus because of an issue with your ears, a hearing aid might help reduce the strain on your ears. It will also help you hear better over the noise known as tinnitus if you experience it frequently enough to keep you from being able to have conversations.

When you start to hear ringing in your ears, it is extremely important to stay calm. It may not mean anything at all, and it usually is not a sign of a serious condition at all. If it does go away on its own, you may want to see a doctor, though it is nothing to freak out about.

As documented above, there are about 50 million people who suffer with tinnitus, and about 12 million who seek a doctor?s help to alleviate the problem. There are methods to deal with it or eliminate it, depending on the cause of it. The tips described in this article will hopefully help you to lessen the effects of tinnitus.

Hop over to our site for up to date guidance on You Could Look HERE & Tinnitus ? an a-z.

Source: http://www.healthuse.com/painless-tinnitus-research-products.html

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UK: Hearing into CIA drones would dent US ties

LONDON (AP) ? Ties between Britain, the U.S. and Pakistan could be jeopardized if a judge grants a request for a court inquiry into the possible role of U.K. spy agencies in aiding covert CIA drone strikes in Pakistan's northwest tribal region, a government lawyer told Britain's High Court on Thursday.

James Eadie, lawyer for Britain's Foreign Office, insisted that intelligence sharing between Britain and the U.S. ? already under strain by previous disclosures made in London courtrooms ? and links between Washington and Pakistan would all potentially be cast into doubt.

Noor Khan, a 27-year-old whose father was killed by a drone strike in northwest Pakistan in March 2011, has asked Britain's High Court to examine whether U.K. intelligence officials assisted the action and may be liable for prosecution.

His legal advisers want a judge to determine whether Britain's secret eavesdropping agency, the Government Communications Headquarters, or GCHQ, has passed location data to guide CIA drones, and whether the U.K. has agreed to a secret policy of assistance to the program of targeting militants.

"Adjudicating on the claim plainly would have significant impact on the conduct of the United Kingdom's relations with both the United States and Pakistan," Eadie told a three-day hearing at the High Court. "It would also be likely to have such an impact on relations between the United States and Pakistan. That impact would be felt in an acutely controversial, sensitive and important context."

Since 2004, CIA drones have targeted suspected militants with missile strikes in the Pakistani tribal regions, killing hundreds of people. The program is controversial because of questions about its legality, the number of civilians it has killed and its impact on Pakistan's sovereignty.

Khan's father, Malik Daud Khan, was attending a meeting of local elders in Datta Khel, in North Waziristan, when it was hit by a missile fired from an unmanned drone, killing around 40 people.

British officials have not commented publicly on their policy toward CIA drone strikes. U.S. officials do not publicly acknowledge the covert program.

Pakistani officials have urged the U.S. to halt its program and to instead relay intelligence gathered by the pilotless aircraft to Pakistani jets and ground forces so that they can target militants themselves.

Kat Craig, legal director of the Reprieve charity, which is representing Khan, said that her client "merely wishes to know what role the British intelligence services play in this game of one-sided Russian roulette."

"He is calling for the veil of secrecy around Britain's drones policy to be lifted so that he can keep his community safe. We share his concerns about the lack of accountability, and the morality of the U.K. being dragged into an illegal attack on a country with whom we are not at war," she said.

Last year, British spy agencies were accused of sharing sensitive information with Moammar Gadhafi's regime in Libya, leading to the torture or rendition of two Libyan men and their families. The case is now the subject of an inquiry by British police.

Previously, intelligence sharing between Britain and the U.S. was put under strain after a London court made public details of abuse that ex-Guantanamo Bay detainee Binyam Mohamed alleges he suffered at the hands of U.S. intelligence officials. Mohamed had accused the British government of complicity in his alleged torture.

Britain's Foreign Office said that a decision on whether to grant Khan a hearing is expected to be handed down by the High Court before the year's end.

Source: http://news.yahoo.com/uk-hearing-cia-drones-dent-us-ties-132438491.html

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Need Home Improvement Advice? Try Out These Tips - PDF

Need Home Improvement Advice? Try Out These Tips

Learning how to perform home improvements can help reduce many costs of home
ownership if you can perform them properly. This article is a great source to help you
determine which projects you can take on yourself, and which should be delegated to a
professional. When in doubt, hire a professional.

Before you start home improvments you should think about telling your neighbors about it.
Listening to construction all day long is very irritating. Neighbors will appreciate learning
when the greatest disturbance will be and how long it will go on.

When you plan an improvement, allow space for debris to build up. Demolition makes a big
mess that you have to put somewhere. You need to know where you will put all of your
debris so that it is out of the way.

Besides adding easily-changeable color to a room's decor, the right window treatments can
help to make a room more spacious. This can be a huge asset when dealing with rooms that
have cramped-feeling low ceilings. Curtain rods and drapes placed in a higher location can
make ceilings seem higher.

Make sure you do not just hire someone that is offering a low price. You might think you are
saving money, but if he does not ask for a lot he may charge you more in the end. A low
price can indicate the quality of work that will be rendered. Make sure you know exactly what
work needs to be done so you can price it properly and select a contractor from a good base
of understanding.

Install LED lights that are automatic and powered by batteries in your closet spaces. You can
now find these lights at the dollar stores! They are also usually very easy to install, saving
you time and money. Others come with double-sided sticky tape. These lights come on when
the closet door is opened and turn off when it is closed!

Consider upgrading appliances as a simple home improvement option, in order to save
money on utility bills. If you upgrade those older appliances to newer energy-saving models,
the savings on your utility bills could pay for the upgrade itself over time. It is pretty easy to
install appliances, making this project a smart, efficient method of home improvement.

Now that you have read the article, you are armed with some serious DIY advice and tips.
Tackle the big jobs, or make some simple changes based on the principles of feng shui!
Following the ideas of feng shui can be an economical home improvement that improves the
aesthetics of your home. Shop The Bargain Paint Racks For Thrifty Home Improvement
Quick Advice From One Handyman To Another Quick Advice From One Handyman To
Another

Source: http://pdfcast.org/pdf/need-home-improvement-advice-try-out-these-tips-2

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Tip has Mobilicity's 21Mbps HSPA+ network going live next week with throttling after 6GB

Mobilicity's much-needed 21Mbps network upgrade may be almost at hand... with a catch. A leak to MobileSyrup reportedly has the HSPA+ network arriving sometime next week in tandem with an $80 Huawei E366 USB modem to exploit the new speeds. However, the Canadian carrier might just slap an asterisk on the end of that "unlimited" tag it's been using so far. Current customers may be relegated to a Basic Unlimited Data tier where any use past 6GB is potentially throttled; anyone needing full speed beyond that would have to either slap on a $20 Premium Data add-on or switch outright to a comprehensive $50 data plan, with both plans bumping the ceiling to 20GB. The two could remain better deals than for the major carriers, at least if you don't mind eschewing LTE. Nonetheless, any truth to the offerings might take away one more choice for truly unlimited data in the True North.

Filed under: Cellphones, Wireless, Mobile

Tip has Mobilicity's 21Mbps HSPA+ network going live next week with throttling after 6GB originally appeared on Engadget on Thu, 25 Oct 2012 19:03:00 EDT. Please see our terms for use of feeds.

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Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/JdwgLoKjmzI/

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Thursday, October 25, 2012

Quotations of the day

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C?est difficile: Researchers develop cocktail of bacteria that eradicates Clostridium difficile infection in mice

ScienceDaily (Oct. 25, 2012) ? In a new study out today, researchers used mice to identify a combination six naturally occurring bacteria that eradicate a highly contagious form of Clostridium difficile, an infectious bacterium associated with many hospital deaths. Three of the six bacteria have not been described before. This work may have significant implications for future control and treatment approaches.

The researchers found that this strain of C. difficile, known as O27, establishes a persistent, prolonged contagious period, known as supershedding that is very difficult to treat with antibiotics. These contagious 'supershedders' release highly resistant spores for a prolonged period that are very difficult to eradicate from the environment. Similar scenarios are likely in hospitals.

C. difficile can cause bloating, diarrhea, abdominal pain and is a contributing factor to over 2,000 deaths in the UK in 2011. It lives naturally in the body of some people where other bacteria in the gut suppress its numbers and prevent it from spreading. If a person has been treated with a broad-spectrum antibiotic such as clindamycin, our bodies' natural bacteria can be destroyed and the gut can become overrun by C. difficile. The aggressive strain of C. diff analysed in this study has been responsible for epidemics in Europe, North America and Australia.

"We treated mice infected with this persistent form of C. diff with a range of antibiotics but they consistently relapsed to a high level of shedding or contagiousness," says Dr Trevor Lawley, first author from the Wellcome Trust Sanger Institute. "We then attempted treating the mice using faecal transplantation, homogenized faeces from a healthy mouse. This quickly and effectively supressed the disease and supershedding state with no reoccurrence in the vast majority of cases."

"This epidemic caused by C. diff is refractory to antibiotic treatment but can be supressed by faecal transplantation, resolving symptoms of disease and contagiousness."

The team wanted to take this research one step further and isolate the precise bacteria that supressed C. diff. and restored microbial balance of the gut. They cultured a large number of bacteria naturally found in the gut of mice, all from one of four main groups of bacteria found in mammals. They tested many combinations of these bacteria, until they isolated a cocktail of six that worked best to suppress the infection.

"The mixture of six bacterial species effectively and reproducibly suppressed the C. difficile supershedder state in mice, restoring the healthy bacterial diversity of the gut," says Professor Harry Flint, senior author from the University of Aberdeen.

The team then sequenced the genomes of the six bacteria and compared their genetic family tree to more precisely define them. Based on this analysis, the team found that the mixture of six bacteria contained three that have been previously described and three novel species. This mix is genetically diverse and comes from all four main groups of bacteria found in mammals.

These results illustrate the effectiveness of displacing C. diff and the supershedder microbiota with a defined mix of bacteria, naturally found in the gut.

"Our results open the way to reduce the over-use of antibiotic treatment and harness the potential of naturally occurring microbial communities to treat C. difficile infection and transmission, and potentially other diseases associated with microbial imbalances," explains Professor Gordon Dougan, senior author from the Wellcome Trust Sanger Institute. "Faecal transplantation is viewed as an alternative treatment but it is not widely used because of the risk of introducing harmful pathogens as well as general patient aversion. This model encapsulates some of the features of faecal therapy and acts as a basis to develop standardized treatment mixture."

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Story Source:

The above story is reprinted from materials provided by Wellcome Trust Sanger Institute.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.

Journal Reference:

Trevor D. Lawley, Simon Clare, Alan W. Walker, Mark D. Stares, Thomas R. Connor, Claire Raisen, David Goulding, Roland Rad, Fernanda Schreiber, Cordelia Brandt, Laura J. Deakin, Derek J. Pickard, Sylvia H. Duncan, Harry J. Flint, Taane G. Clark, Julian Parkhill, Gordon Dougan. Targeted Restoration of the Intestinal Microbiota with a Simple, Defined Bacteriotherapy Resolves Relapsing Clostridium difficile Disease in Mice. PLoS Pathogens, 2012; 8 (10): e1002995 DOI: 10.1371/journal.ppat.1002995

Note: If no author is given, the source is cited instead.

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/top_news/top_health/~3/_svVk_0hgFQ/121025174629.htm

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Amazon reports weak results, shares slip

SAN FRANCISCO (Reuters) - Amazon.com Inc reported weak quarterly results on Thursday as the world's largest Internet retailer spent heavily and suffered from an economic slowdown in Europe.

Amazon shares slipped slightly to $220.48 in after-hours trading after the results.

The company said its third-quarter net loss was $274 million, or 60 cents a share, versus net income of $63 million, or 14 cents a share, in the third quarter of 2011. Part of the loss related to an impairment charge from Amazon's investment in daily deal company LivingSocial.

Third-quarter revenue was $13.81 billion, up 27 percent from a year earlier, Amazon also said.

Amazon was expected to lose 8 cents a share in the third quarter on revenue of $13.9 billion, according to Thomson Reuters I/B/E/S.

Before Thursday's report, Amazon had generated 18 straight quarters of net income, according to BGC Partners.

For the crucial fourth-quarter holiday shopping period, Amazon forecast revenue that missed analysts' expectations. The company also gave a wide forecast for operating income in the period - and the mid-point of the range was lower than some analysts' estimates.

"There's increased competition from mass merchants and big box retailers embedded in that guidance," said RJ Hottovy, an equity analyst at Morningstar. "There's a lot of competition this holiday, and it's not clear how this will play out, even for smart operators like Amazon."

Amazon is facing more competition this holiday season from big retailers such as Target Corp and Best Buy Co Inc, which are planning to match some of the company's prices online.

Wal-Mart Stores Inc, the world's largest retailer, is also testing same-day delivery in some cities this holiday, while Target is selling more exclusive products that cannot be bought at lower prices online.

Amazon is also spending heavily on new distribution warehouses and technology to support its cloud-computing businesses, Amazon Web Services. It is also investing hundreds of millions of dollars a year on digital content to sell through its Kindle tablets and e-readers.

Amazon Chief Financial Officer Tom Szkutak said the company will continue investing heavily in technology and infrastructure and digital content.

The Kindle gadgets are being sold at cost, pressuring earnings in the short term. Amazon hopes to make money when customers use them to buy more physical and digital products from the company.

Amazon launched new Kindle Fire tablets in September and CFO Szkutak said demand has been "fantastic."

Chief Executive Jeff Bezos said in a statement that the new $199 Kindle Fire HD, the new Kindle Paperwhite e-reader and the entry-level $69 Kindle e-reader are the top three best-selling products on Amazon, based on unit sales.

Szkutak said Kindle Fire tablet users are purchasing a lot more digital content through the devices, as well as watching free video content.

The introduction of new tablets and e-readers should be good for digital content sales going forward, he added.

Europe's sovereign debt crisis and recession is reducing consumer demand, sparking concern that even fast-growing Internet companies may be affected.

EBay Chief Financial Officer Bob Swan said last week that the company expected an "OK" holiday season, partly because of macro pressure in Europe.

Amazon said on Thursday that revenue from North America was $7.88 billion, up 33 percent from a year earlier. International sales, including Europe, totaled $5.92 billion, up 20 percent from the same period in 2011.

(Reporting By Alistair Barr; Editing by M.D. Golan)

Source: http://news.yahoo.com/amazon-reports-big-quarterly-net-loss-201043409--sector.html

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Helping You Keep an Eye on the Fees That Can Eat Away at Your ...

October 21-27 is National Save for Retirement Week and this is a great time to stop and assess your retirement goals and savings strategy, and to see where you are by checking your retirement benefit statements.

By now you and the nearly 72 million American workers in 401(k) type plans across the country may have received a very important document in the mail from your employer. ?This document concerns your 401(k) account, and the fees you pay for it.

A new rule enacted by the Department of Labor went into effect this summer which required that many private sector employers begin disclosing those fees to workers by August 30. This is the first time that employers who sponsor retirement plans have been required to disclose this type of fee information. Some have called it the biggest thing to happen to the 401(k) since these plans were created.

Many recent surveys have shown that most workers with 401(k) and similar accounts are unaware that they pay any fees for them. The truth is that retirement savings plans aren?t free. And it?s why we issued new fee disclosure rules to help you understand what you?re being charged to invest in such a plan.

No matter how generous your employer is in helping you save for the future, your retirement plan isn?t free ? you?re paying for it ? and as a consumer you?re entitled to know what you?re being charged. Our new rules are designed to increase transparency and ensure your hard-earned savings are not diminished by hidden costs and excessive fees.

Specifically, there are investment management costs which primarily consist of what a fund company charges to manage the funds in which you?re invested. There are also administrative costs for retirement plans such as costs for recordkeeping, accounting and legal services. We estimate that paying just 1-percent more in fees can cost tens or even hundreds of thousands of dollars in retirement savings over the course of a career.

Assume that you are an employee with 35 years until retirement and a current 401(k) account balance of $25,000. If returns on investments in your account over the next 35 years average 7 percent and fees and expenses reduce your average returns by 0.5 percent, your account balance will grow to $227,000 at retirement, even if there are no further contributions to your account. If fees and expenses are 1.5 percent, however, your account balance will grow to only $163,000. That 1 percent difference in fees and expenses would reduce your account balance at retirement by 28 percent. That?s a big deal? and a lot of money for anybody to lose to fees.

I can?t stress enough how important it is for you to open these disclosure documents. This is not just another piece of mail in the pile. The information it contains has the potential to make a real difference in your retirement savings.

You can use the information to ask better questions, weigh options, and make smarter investment decisions. You can also encourage your employer to consider making changes to the plan and to shop around for a lower cost service provider. It would not only benefit you and your fellow workers, but could also benefit your employer.

If you don?t remember seeing these disclosures? and you work for a private sector employer (public plans and church plans are not covered by these rules), go back through the mail and look for them, or ask your employer if your plan is one for which such disclosures are due later this year.? And, keep a lookout for the quarterly statements most of you will receive by November 14. These statements will detail charges deducted from your individual account from July through September.

We at the labor department know that saving money for retirement can be challenging in these tough economic times. And every dollar counts. But you can ensure that you have as much as possible in your nest egg by keeping an eye on the fees you?re paying.

Finally, if you are a worker, spouse or family member who has questions about your retirement plan benefits, please feel free to contact one of our Benefits Advisors.? Visit our participant assistance website at www.askebsa.dol.gov? or call us at 1-866-444-EBSA (3272). ?

For more information about fees for saving in 401(k)-type retirement plans, please visit:

Understanding Your Retirement Plan Fees Http://www.dol.gov/ebsa/publications/understandingretirementfees.html ]

Tips on Using Fee & Investment Information from Your Retirement Plan http://www.dol.gov/ebsa/publications/feedisclosuretips.html ]

Phyllis C. Borzi is the assistant secretary of labor for employee benefits security.

Tagged as: 401(k), DOL Working for You, Employee Benefits Security Administration (EBSA), fee disclosure, National Save for Retirement Week, Phyllis Borzi, retirement, retirement plan, Retirement Security, Workplace Rights

Source: http://social.dol.gov/blog/helping-you-keep-an-eye-on-the-fees-that-can-eat-away-at-your-401k/

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Weekend Roundup October 25-28 | Rocket City Mom: Making ...

We?ve got another jam-packed weekend ahead and while Halloween is officially Wednesday night, for many families in the Tennessee Valley the action starts this weekend. Along with numerous Fall Festivals and Trunk or Treats, the whole family can enjoy Family Fright Nights at Lowry House (Fri-Sat) or for those looking for something a little scarier there?s the Trail of Fears Haunted Hay Ride at Dublin Park (Fri-Sat).

For non-spooky fun, try a little weekend yard sale hunting with our handy Yard Sale Map. Don?t forget to check out ALL the things going on this weekend in our Event Calendar and if you see something we missed, leave it in the comment section.

All Weekend: This weekend is THE weekend for many schools and churches to hold their final Fall flings. There are too many to narrow it down to just one festival so we encourage you to take a look at our Calendar and our Fall Activities Guide and pick the one that best fits your family?s budget and mood. Most are FREE, a couple are fundraisers but all are sure to be FUN.

Saturday, 10AM (Main Library) & 1 PM (Bailey Cove): Zombies, Vampires, Werewolves?nope, not scary. Snakes and spiders, now you?ve got my attention. See those creepy crawly things along with many others up close and personal at the Creepy Critters Live Animal Shows at both the Main library and the Bailey Cove library this Saturday. The program features arachnids, insects and snakes to illustrate that such undesirable critters serve an extremely important purpose to the environment. Participants will be allowed to get ?hands-on? with several animals. FREE and open to the public.

Friday-Sunday: Fantasy Playhouse Children?s Theatre is hosting this popular magic show again this year and if you have a magic lover in your home, this family-friendly show is a must! While it?s not free, it is pretty cheap. Tickets are $5 per person with a $3 processing charge per order (unless you are a season ticket holder). Tickets are still available for the Friday & Saturday evening (7PM) and Sunday afternoon (2PM) shows but don?t wait too long. Saturday afternoon is already sold out and the other shows might too.

Sunday, 12-5PM: It?s the last weekend for your family to enjoy the Scarecrow Trail, the hayrides and all the children?s garden has to offer and this Sunday ? it?s totally FREE. FREE admission with any donation of school supplies to the Free2Teach program. Supplies needed include: pencils, notebooks, folders, paper, crayons, etc.

Sunday, 11AM-5PM:FREE as long as you wear a costume! Activities including Mars Puppets, Space Spider Webs and Galactic Orbs and enter the costume contest* for a chance to win a trip to Space Camp? or Aviation Challenge?! Costume registration is from 11 a.m. ? 2 p.m. and contest begins at 2:30 p.m. under the Saturn V rocket. FREE admission for guests with costumes ($11/person without a costume).

Thursday-Saturday: We love this annual festival but don?t just take our word for it, the Southeast Tourism Society has named this event one of its Top 20 events for October 2012. Stories are told on the courthouse square in Athens and while you must purchase tickets for Friday and Saturday, Thursday night is totally FREE!

Saturday, 10AM-5PM:Are you one of those people for whom Christmas can?t come soon enough? Well then, this is the event for you. Bonnie Blue Boutique in Meridianville is holding their annual Christmas Open House (yes, I said Christmas) and they?ve got Santa and Mrs. Claus coming along with Jingles the elf. FREE to the public this event includes free pictures with Santa, Story Time with Mrs. Claus, Christmas Crafts with Jingles the elf, free fashion show, free refreshments, free gifts for the children.

As always, click on the orange titles to visit the associated website for more information on a particular event. If you see an event we?ve missed, share your info in the comment section.

About the author

Jennifer is a compulsive writer, avid reader, occasional singer and former communications wizard turned toddler wrangler. She and her family moved to Huntsville in 2009 and found themselves constantly searching for local parenting information. When she couldn't find it, she decided to create Rocket City Mom. You can often spot her and her little one cruising the kiddie hot-spots in their "Rocket Van".

Source: http://www.rocketcitymom.com/weekend-roundup-october-25-28/

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Chief: Texas' battered $3B cancer effort endures

AUSTIN, Texas (AP) ? An embattled $3 billion cancer-fighting fund in Texas will recover from a controversy that led two Nobel laureates and others to resign over allegations that politics trumped science in spending decisions, state officials told stakeholders Wednesday.

The Cancer Prevention and Research Institute of Texas opened its annual meeting under a cloud of scrutiny brought by the mass resignation of nearly three dozen scientists, some of whom criticized the fund for "hucksterism" and "suspicion of favoritism" on their way out the door.

All were out-of-state peer reviewers, who served on the first line of choosing which proposals were worthy of taxpayer dollars.

The state is trying to reverse the damage this week and kicked off the agency's conference with a vote of support from Dr. Brian Druker, who is behind the breakthrough cancer drug Gleevec and among the world's most foremost cancer researchers.

CPRIT Executive Director Bill Gimson then told a crowd of scientists and industry executives that the agency would flourish despite the fallout, vowing that CPRIT would ultimately rewrite the books on state-led research initiatives.

"We're a learning organization," Gimson said. "We listened. We're committed to getting it right."

After delivering the keynote speech on his research, Druker told The Associated Press he has some concerns about CPRIT's ability to restock its crucial peer review panels following such pointed public criticisms by heavyweights in the science community. But he praised the "integrity" of the agency's leadership and said he was confident of the future.

"They've had some controversy and some concerns and issues," Druker said. "But it's still an unprecedented opportunity. If it's done right, it's going to make a big impact."

Started in 2007 behind a push led by cancer survivor Lance Armstrong and Gov. Rick Perry, CPRIT spent most of its first five years basking in acclaim and industry awe of the unprecedented amount of taxpayer dollars committed to a state-run, cancer-fighting effort. Only the National Institutes of Health now doles out more cancer funding dollars than CPRIT, which has so far awarded nearly $700 million total.

But the plaudits abruptly gave way to rebukes starting in May, and the fissures came from within.

Dr. Alfred Gilman, the agency's chief scientific officer and a Nobel laureate, announced his resignation following a $20 million award that never received a full scientific review. The money was for a so-called incubator project at M.D. Anderson Cancer Center in Houston, one of the country's top research institutes.

Gilman accused the agency's oversight board of ramrodding the project through the application process, despite the proposal being just six pages long. Gimson has said the type of proposal didn't require a full scientific review under agency rules but has since conceded missteps in how the award was handled.

Candid and inflammatory internal emails later made public ("I told Gimson this was the bomb that would destroy CPRIT") exposed the depths of the rift, and other resignations followed. Thirty-three scientific peer reviewers have since cut ties with the agency, many just this month, which coincided with Gilman's last day.

Gimson repeatedly emphasized the agency's commitment to an inscrutable peer-review process during his opening remarks Wednesday. He added that every grant proposal ever recommended for funding by the agency's science review panels has been approved by the 11-member oversight board, which is made up of political appointees.

The recent barrage of unflattering press has raised concerns among some scientists that the state's annual trough of $300 million in taxpayer funding is at risk. The Texas Legislature reconvenes in January, and lawmakers could cast a more critical eye toward the agency while facing pressures to shrink the state budget.

The bulk of CPRIT grants go to research, but the agency also funds drug-commercializing efforts and prevention programs.

According to Gimson, funds from the agency have enabled 200,000 screenings statewide for cancers include breast and colorectal.

"If the Legislature chooses not to fund it anymore, so much harm would come to people in West Texas that would not come if it remains," said Dr. Patrick Reynolds, director of the cancer center at the Texas Tech University Health Sciences Center. "It's unthinkable."

CPRIT's meeting runs through Friday. The conference also is set to tackle the significant issue of whether CPRIT should put less money into research and more into private startups that are trying to bring drugs to the market. In Texas, the governor's office already doles out hundreds of millions of dollars in private tech investments.

A final decision on whether CPRIT will change its funding allocations is expected next year.

___

Follow Paul J. Weber on Twitter: www.twitter.com/pauljweber

Source: http://news.yahoo.com/chief-texas-battered-3b-cancer-effort-endures-195630627.html

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Wednesday, October 24, 2012

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4 Tempered steel rackets with Hy-sheep string and a pair of yellow shuttlecocks. The Franklin Sports Recreational Volleyball/Badminton Combo set is a will need to have for each outdoor. This set embodys the complete thing you want for a domestic volleyball game or a 2 on 2 badminton sport. The pole set adjusts to 61? assembled peak. Carry/storage bag included..

The Franklin Sports Recreational Volleyball/Badminton Combo set is a must have for each outside. This set embodys the entire lot you need for a household volleyball game or a 2 on 2 badminton recreation. The pole set adjusts to 61? assembled height. Carry/storage bag included.

This website is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com

Source: http://comparison-shopping-site.com/buy-franklin-sports-recreational-badmintonvolleyball-set-online-shop/

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Source: http://barabbas-paracelsus.blogspot.com/2012/10/buy-franklin-sports-recreational.html

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Source: http://bean29.typepad.com/blog/2012/10/barabbas-paracelsus-buy-franklin-sports-recreational-badminton.html

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Qatar's emir heads to Gaza on historic trip

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