Friday, August 31, 2012

Bloomberg News all but calls Paul Ryan's speech a total lie (Americablog)

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Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/244785765?client_source=feed&format=rss

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Managing Your Personal Finances Can Be Stressful. Learn How To ...

Handling money responsibly is a skill that should be taught to young children. It?s never too early or too late to learn about personal finances. Don?t waste any more time, you can start gaining knowledge on personal finance now. The information below explains how you can do it.

If you are looking towards Christmas with a tighter budget than years past you may want to consider making your gifts. Instead of spending time shopping, you can spend time being crafty and making your presents. You can also reduce costs and boost your net worth by being creative.

Review your bank statement every month. This way you can keep track of the rates and fees. A lot of people do not review statements, and they are probably paying more than they think. Therefore, it is necessary to always review monthly statements.

Find out when it is best for you to file your IRS taxes. If you want to get the money quickly, you?re going to want to file as soon as you can. If you owe money, then you may want to file your taxes closer to the April 15 due date.

When you are getting ahead financially you should start to save and not spend. Even though you have extra money now, avoid the urge to spend by sticking to a strict budget.

You should consider doing work from home in order to save some money. Truthfully, working in an office can be expensive. Some workers spend half of their paychecks between gas, meals and other expenses.

Losing the family home can be devastating. However, if it your financial situation can be improved by it, you must look into try to get a house with cheaper payments or rent. It would be a shame to make drastic repayment efforts only to be evicted anyway. It may be wiser to take action now to save money.

If you want to make sure you make your credit card payments on time, set your payments to automatically draft from your account. Even if you can?t pay your balances off in full, always make on-time monthly payments toward your credit card debt. With an automatic debit, you never have to worry about a late payment and you can always supplement the payment if you have extra cash.

The frequent flier program is absolutely ideal for anyone who flies often and enjoys saving money or receiving free rewards. A lot of credit card companies give rewards or discounted flight tickets to be redeemed from purchases for no additional charge. These frequent flier miles may be redeemed at various hotels for rooms that are free, or sometimes for discounts on your stays.

Rebalance your portfolio yearly. Re-balancing will help your investments remain aligned with risk tolerance as well as goals. This also allows people to try to sell high and buy low.

Work to keep your credit rating as high as possible. Retaining a higher rating ensures lower interest rates and credit cards. You will possibly not be able to rent a home or get a cell phone if you have a low credit score. So be smart and keep your credit score high enough to not cause you any difficulties when trying to secure credit.

Be sure to save a small amount of money every day. Instead of overpaying for groceries every single week, use coupons, shop around and find the best deals. Be willing to switch to food that is currently on sale.

A helpful saving strategy is to set up an automatic withdrawal from your main account into a high interest savings account. While it takes some time to get used to the ?missing? money, you will come to treat it like a bill that you pay yourself, and your savings account will grow impressively.

Reduce heavy alcohol consumption to avoid falling prey to bad decisions that conflict with your financial goals. In order to maintain good financial sense, it?s a good idea to avoid drinking alcoholic beverages when you go out to eat.

When you think about a mature adult, one of the first things that comes to mind is an individual who is smart with their money. Fortunately, this is an easy trait to acquire. Everyone can improve their skills involving personal finance. Following these tips can improve your finances, no matter what your current situation.

Things You Can Do In Order To Save Money

gas cards bad credit ? Smart personal finance is all about making the most of what you earn and setting yourself up for a comfortable future. To do these things, it is critical to gain a comprehensive education about how and when to make certain financial moves, and how you should react in stormy times of crisis and budgetary strain. Put the ideas in this piece to work and you will have a truly beneficial head start.

Cut monthly costs by looking for ways to gift frugally. Consider making gifts, or giving people items that are consumable. Homemade cookies, jams and sweets are great ideas. Framed photographs, hand-embroidered linens and handmade scrapbooks make wonderful keepsake gifts that the recipients will cherish for much longer than the usual store-bought gifts.Always try to pay your bills before their due date. If you wait too long, you?ll end up incurring late fees. This will just add more money to your already shrinking budget. The money you spend on late fees could be put to much better use for paying on other things.For many people services like cells phones are not as necessary as we make them out to be. Even if you need a phone for emergency purposes, get a basic phone and a limited monthly plan. Use your home land line instead, for most major calling, and the internet you already pay for, for your data usage.Purchase all household staples in bulk, if possible. While you may have to pay a small yearly fee to become a member at your local wholesaler, you will save a great deal more money in the long run. This is especially ideal for households with children. Stock up on economy size diapers, frozen foods, and paper products.When money is tight, it?s crucial that you learn to use it wisely. Thanks to this article, you now know some great ways to keep your finances in tip-top shape. Even when your finances improve, you should keep following the advice in this article. It can benefit you, no matter what your bank account looks like. Read additional information on no credit check personal loans

Source: http://articlesfair.com/uncategorized/managing-your-personal-finances-can-be-stressful-learn-how-to-reduce-the-stress-today/

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Bruce Buffer explains ?It?s fight time?

During recent UFC events, you may have noticed UFC Octagon announcer Bruce Buffer changing up his signature call of, "It's tiiiiiiiiiime" to "It's fight tiiiiiiiiiiiiiiiime."

I was confused by this. Why would Buffer mess with such announcing perfection? "It's time" is so well known that fans usually yell the phrase along with him. It's become as well known as his brother Michael Buffer's familiar "Let's get ready to rumble," which the other Buff rattles off at boxing events.

So what's the deal, Buff?

"I was trying some new things. I'm going through some marketing aspects, and that's all I can say right now. I wanted to try it for marketing purposes, but it's time is mine. We all know that. That's basically where it's at."

Buff, if you want to cover your fancy suits in logos, go for it. If you want to rename your signature move the Mickey's Malt Liquor 180, do it. Get that paper. But please please please don't change "It's Time."

Source: http://sports.yahoo.com/blogs/mma-cagewriter/bruce-buffer-explains-fight-time-174055101--mma.html

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Thursday, August 30, 2012

Chocolate: A sweet method for stroke prevention in men?

ScienceDaily (Aug. 29, 2012) ? Eating a moderate amount of chocolate each week may be associated with a lower risk of stroke in men, according to a new study published in the August 29, 2012, online issue of Neurology?, the medical journal of the American Academy of Neurology. "While other studies have looked at how chocolate may help cardiovascular health, this is the first of its kind study to find that chocolate, may be beneficial for reducing stroke in men," said study author Susanna C. Larsson, PhD, with the Karolinska Institute in Stockholm, Sweden.

For the study, 37,103 Swedish men ages 49 to 75 were given a food questionnaire that assessed how often they consumed various foods and drinks and were asked how often they had chocolate. Researchers then identified stroke cases through a hospital discharge registry. Over 10 years, there were 1,995 cases of first stroke.

Men in the study who ate the largest amount of chocolate, about one-third of a cup of chocolate chips (63 grams) per week, had a lower risk of stroke compared to those who did not consume any chocolate. Those eating the highest amount of chocolate had a 17-percent lower risk of stroke, or 12 fewer strokes per 100,000 person-years compared to those who ate no chocolate. Person-years is the total number of years that each participant was under observation.

In a larger analysis of five studies that included 4,260 stroke cases, the risk of stroke for individuals in the highest category of chocolate consumption was 19 percent lower compared to non-chocolate consumers. For every increase in chocolate consumption of 50 grams per week, or about a quarter cup of chocolate chips, the risk of stroke decreased by about 14 percent.

"The beneficial effect of chocolate consumption on stroke may be related to the flavonoids in chocolate. Flavonoids appear to be protective against cardiovascular disease through antioxidant, anti-clotting and anti-inflammatory properties. It's also possible that flavonoids in chocolate may decrease blood concentrations of bad cholesterol and reduce blood pressure," said Larsson.

"Interestingly, dark chocolate has previously been associated with heart health benefits, but about 90 percent of the chocolate intake in Sweden, including what was consumed during our study, is milk chocolate," Larsson added.

The study was supported by the Swedish Council for Working Life and Social Research, the Swedish Research Council/Committee for Infrastructure and the Karolinska Institute.

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The above story is reprinted from materials provided by American Academy of Neurology.

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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/health_medicine/heart_disease/~3/TTsJzJoc3dY/120829171933.htm

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McCain criticizes Obama on foreign policy

TAMPA, Fla. (AP) ? Four years after he became the Republican presidential nominee, Sen. John McCain has returned to the Republican National Convention to enumerate what he says have been the foreign policy shortcomings of the Obama administration.

On his 76th birthday, the Arizona senator focused on a subject that has received limited attention during the convention. He said the GOP's newly anointed nominee, Mitt Romney, knows that success at home depends on leadership in the world.

McCain says in the past four years the United States has drifted away from its tradition of global leadership. He criticizes President Barack Obama for committing to a date for withdrawing from Afghanistan, strained relations with Israel, not doing enough to stop impending cuts in the defense budget and not adequately supporting dissent in Iran and Syria.

Source: http://news.yahoo.com/mccain-criticizes-obama-foreign-policy-000545934--election.html

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EdSurge Nabs $400K From Washington Post, NewSchools To Be A Resource For All Things EdTech

Live_-_v4-notextFounded in February 2011 by long-time journalists and veterans of education technology, EdSurge has been on a mission to create an online hub through which entrepreneurs can better connect with the educators and institutions that use their products -- and vice versa. By way of its popular weekly eNewsletter and website, the startup provides insiders and outsiders with an alternative to Consumer Reports or Yelp -- a source of unbiased information on the people, products and companies working to bring some innovation (and funk) to the crossroads of education and technology. The startup has since grown to a team of seven thanks to early financial support from Bill Gates (through grants from his foundation) and others. But, now more than a year removed from launch, EdSurge is looking to expand the breadth of its coverage and further develop independent reviews of edtech startups and products. To do so, the startup is today announcing that it has secured $400K in seed funding from institutional and angel investors, including the Washington Post Company, NewSchools Venture Fund,

Source: http://feedproxy.google.com/~r/Techcrunch/~3/PufCiNECyv4/

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Video: New book reveals details of bin Laden raid



>>> there is a big new book coming out. we were able to purchase a copy of it early. it was called "no easy day" and details the raid to kill osama bin laden . it's written by a member of the navy s.e.a.l. team that did the job. among s.e.a.l.s, it is considered a violation of their rules of operating in silence. for the rest of us, there were details in it not known heretofore because it was a secret operation. our report on it tonight from our pentagon correspondent jim miklaszewski .

>> reporter: it's the most detailed account yet of the mission that killed osama bin laden , written by a navy s.e.a.l. under the pseudonym mark owen who helped take down the al qaeda leader. it was pitch black as they crept upstairs to the compound. the author says he was second in line when the lead s.e.a.l. saw bin laden poke his head out of the doorway and the lead s.e.a.l. opened fire. we were less than five steps from getting to the top, he wrote, when i heard suppressed shots. bin laden disappeared back into the room. the s.e.a.l.s found bin laden on the floor. he was unarmed and fatally wounded. two women wailing over his body. bin laden had been shot once in the head. as he convulsed on the floor, the author writes, he and another s.e.a.l. trained our lasers on his chest and fired several rounds until he was motionless. the account appears to contradict white house claims that this was a mission to kill or capture bin laden . in fact, the next day white house officials claim bin laden was killed after engaging the s.e.a.l.s in a firefight and using one of his wives as a human shield .

>> there was a female, who was, in fact, in the line of fire that reportedly was used as a shield, to shield bin laden from the incoming fire.

>> reporter: but the author reveals that bin laden , the most wanted terrorist in the world, did nothing to defend himself. the weapons found in the room were not loaded. he had no intention of fighting. he asked his followers to wear suicide vests and fly planes into buildings but didn't pick up his weapon. five days later at ft. campbell, kentucky, president obama met privately with the s.e.a.l.s who took down bin laden .

>> there was a chance for me to say on behalf of all americans and people around the world, job well done. job well done.

>> reporter: the author writes, however, the s.e.a.l.s resented that president obama would win political points for the raid. as one s.e.a.l. joked, we'll get obama re-elected for sure. i can see him now talking about how he killed bin laden . in response to the book, the white house praised the s.e.a.l.s for their valor but avoided any of that criticism and asked if this was a kill or capture operation. military officials will tell you any time these s.e.a.l.s go on a mission, somebody dies. brian.

>> jim miklaszewski on duty at the pentagon. jim, thanks.

Source: http://video.msnbc.msn.com/nightly-news/48834712/

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Wednesday, August 22, 2012

Americans tune out Afghan war as fighting rages on

KABUL, Afghanistan (AP) ? It was once President Barack Obama's "war of necessity." Now, it's America's forgotten war.

The Afghan conflict generates barely a whisper on the U.S. presidential campaign trail. It's not a hot topic at the office water cooler or in the halls of Congress ? even though more than 80,000 American troops are still fighting here and dying at a rate of one a day.

Americans show more interest in the economy and taxes than the latest suicide bombings in a different, distant land. They're more tuned in to the political ad war playing out on television than the deadly fight still raging against the Taliban. Earlier this month, protesters at the Iowa State Fair chanted "Stop the war!" They were referring to one purportedly being waged against the middle class.

By the time voters go to the polls Nov. 6 to choose between Obama and presumptive Republican nominee Mitt Romney, the war will be in its 12th year. For most Americans, that's long enough.

Public opinion remains largely negative toward the war, with 66 percent opposed to it and just 27 percent in favor in a May AP-GfK poll. More recently, a Quinnipiac University poll found that 60 percent of registered voters felt the U.S. should no longer be involved in Afghanistan. Just 31 percent said the U.S. is doing the right thing by fighting there now.

Not since the Korean War of the early 1950s ? a much shorter but more intense fight ? has an armed conflict involving America's sons and daughters captured so little public attention.

"We're bored with it," said Matthew Farwell, who served in the U.S. Army for five years including 16 months in eastern Afghanistan, where he sometimes received letters from grade school students addressed to the brave Marines in Iraq ? the wrong war.

"We all laugh about how no one really cares," he said. "All the 'support the troops' stuff is bumper sticker deep."

Farwell, 29, who is now studying at the University of Virginia in Charlottesville, said the war is rarely a topic of conversation on campus ? and he isn't surprised that it's not discussed much on the campaign trail.

"No one understands how to extricate ourselves from the mess we have made there," he said. "So from a purely political point of view, I wouldn't be talking about it if I were Barack Obama or Mitt Romney either."

Ignoring the Afghan war, though, doesn't make it go away.

More than 1,950 Americans have died in Afghanistan and thousands more have been wounded since President George W. Bush launched attacks on Oct. 7, 2001 to rout al-Qaida after it used Afghanistan to train recruits and plot the Sept. 11 attacks that killed nearly 3,000 Americans.

The war drags on even though al-Qaida has been largely driven out of Afghanistan and its charismatic leader Osama bin Laden is dead ? slain in a U.S. raid on his Pakistani hideout last year.

Strangely, Afghanistan never seemed to grab the same degree of public and media attention as the war in Iraq, which Obama opposed as a "war of choice."

Unlike Iraq, victory in Afghanistan seemed to come quickly. Kabul fell within weeks of the U.S. invasion in October 2001. The hardline Taliban regime was toppled with few U.S. casualties.

But the Bush administration's shift toward war with Iraq left the Western powers without enough resources on the ground, so by 2006 the Taliban had regrouped into a serious military threat.

Candidate Obama promised to refocus America's resources on Afghanistan. But by the time President Obama sent 33,000 more troops to Afghanistan in December 2009, years of war in Iraq and Afghanistan had drained Western resources and sapped resolve to build a viable Afghan state.

And over time, his administration has grown weary of trying to tackle Afghanistan's seemingly intractable problems of poverty and corruption. The American people have grown weary too.

While most Americans are sympathetic to the plight of the Afghan people, they have become deeply skeptical of President Hamid Karzai's willingness to tackle corruption and political patronage and the coalition's chances of "budging a medieval society" into the modern world, says Ann Marlowe, a visiting fellow at the Hudson Institute, a policy research organization in Washington.

"With millions of veterans home and talking with their families and friends ... some knowledge of just how hard this is has percolated down," said Marlowe, who has traveled to Afghanistan many times.

It has also been hard to show progress on the battlefield.

World War II had its Normandy, Vietnam its Tet Offensive and Iraq its Battle of Fallujah. Afghanistan is a grinding slough in villages and remote valleys where success if measured in increments.

The Afghan war transformed into a series of small, often vicious and intense fights scattered across a country almost as large as Texas.

In July, 40 U.S. service members died in Afghanistan in the deadliest month for American troops so far this year. At least 31 have been killed this month ? seven when a helicopter crashed during a firefight with insurgents in what was one of the deadliest air disasters of the war. Ten others were gunned down in attacks from members of the Afghan security forces ? either disgruntled turncoats or Taliban infiltrators.

Many argue that bin Laden's death justifies a quick U.S. exit from Afghanistan. Others say it's important to stay longer to shore up the Afghan security forces and help build the government so that it can stand on its own. An unstable Afghanistan could again offer sanctuary to militants like al-Qaida who want to harm American and its allies, they say.

"Those of us who have been at this for a long time continue to think that it's important, and that we have a chance now of a path forward with a long-term perspective that will produce the results," said James Cunningham, the new U.S. ambassador to Afghanistan.

The U.S.-led coalition's combat mission will wind down in the next few years, leading up to the end of 2014 when most international troops will have left or moved into support roles.

Military analysts say the U.S. envisions a post-2014 force of perhaps 20,000 to hunt terrorists, train the Afghan forces and keep an eye on neighboring Iran and other regional powerhouse nations.

Americans aren't likely to know the number until later this year. But will anyone other than families of service personnel take note?

"I have heard others say that the danger that their spouses or children are serving in is just simply not being cared about," said Fred Wellman, a 22-year Army veteran who did three tours in Iraq. "I think a lot of veterans feel it is just forgotten."

Political satirist Garry Trudeau captured the apathy about the war in a comic strip this year showing a U.S. servicewoman stationed in Afghanistan calling her brother back home.

After he complains that his children have the flu and how he's struggling to keep up with their hectic hockey schedule, he asks her where she's calling from. She tells him she's in Afghanistan.

"Oh, right, right ..." her brother replies. "Wait, we're still there?"

___

Associated Press Writers Kristin Hall in Nashville, Tennessee and Jennifer Agiesta in Washington contributed to this report.

Source: http://news.yahoo.com/americans-tune-afghan-war-fighting-rages-185225577.html

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Elder Law | The Law Firm of VAUGHN & WEBER, PLLC

legal issues as we age

Certain legal issues become increasingly urgent as we age. ?We become more concerned with providing for our families in our absence, for instance. ?And we become more concerned with our health and autonomy. ?Proper planning and the right legal documents can address these concerns by helping to ensure that our values and wishes are respected as we age.

The issues we face in advanced age can be roughly divided into the following categories:

Capacity: ?Illness and injury can rob us of our ability to make decisions for ourselves. ?If a Court believes that an illness or injury has significantly impaired an individual?s cognitive ability, it may assign a guardian to make decisions on that person?s behalf. ?The guardian?s task is to act in the best interests of the individual they are assigned to. ?But without knowledge of a person?s history, values, and philosophy, the guardian may inadvertently make decisions that go against that person?s wishes, even if the guardian?s intentions are good.

With the proper legal documents, we can avoid having decisionmaking power over our lives handed to strangers. ?By appointing health care proxies and granting powers of attorney to people they trust, seniors can ensure that the decisions affecting them are made by people that know their values and respect their wishes.

Estate Planning: ?Individuals can minimize tax and even medicare liability by creating trusts, giving gifts, and taking other steps to manage their property. ?Additionally, state law distributes property to descendants in a particular way, which may not reflect the wishes of the deceased. ?By collaborating with an estate planning attorney, individuals can ensure that their property is disposed of in harmony with their own unique concerns and goals.

Benefits: ?Many elderly individuals depend upon government benefits to help them make ends meet. ?Veteran?s benefits, Social Security, Medicare and other government programs can be very complex. ?Some benefits can even be lost if recipients don?t apply within certain time frames. ?Elderly individuals may need to consult with an attorney in order to ensure that they receive what they are entitled to.

Abuse: ?Unfortunately, the elderly are often targets of fraud or other forms of abuse. ?Seniors may appear weak or vulnerable to those who are looking to take advantage of someone. ?But with legal representation, such abuses can be prevented, or, at the very least, compensated.

Obviously, these issues aren?t entirely unique to the elderly. ?Anyone could become incapacitated by an illness. ?And anyone with significant assets should consider drafting estate planning documents such as wills or trusts. ?Nevertheless, these issues become more pressing, and more interrelated, as we age.

If you are having any elder law issues that you need assistance with, call? 516-858-2620 to speak with an elder law attorney.

Tags: elder law, elderly individuals, health care proxies, nassau county estate planning attorney, powers of attorney

Related posts:

  1. Gift Taxes and Estate Planning

Source: http://vaughnweberlaw.com/2012/08/21/elder-law/

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Tuesday, August 21, 2012

52 Law of Attraction & Did You Chose This Life? Faster EFT ? Help Me

52 Law of Attraction & Did You Chose This Life? Faster EFT ? Help Me Lose Weight. | How Can You Lose Weight by lose weight on Monday, August 20th, 2012 | 8 Comments

?

Did you really Chose your Life problems? Thisvideo demonstrates how you can help manage cravings and help with weight issues. weight loss and EFT is the secret and revealed the truth by using the EFT tapping ( emotional freedom technique ) which is awesome by law of Attraction which is 100% naturally effective and it is the easiest and fastest way to lose weight and you will reach your ideal body weight with your mind. Freedom from Emotional eating and Self Sabotaging Programs 100% Natural weight loss Program that is Powerful and Effective! Learn why it?s so hard to give up! The odds are stacked against you if you have programs installed from your life Experiences and mental programs.

Learn the truth and gain freedom. www.outsmartstress.com Robert is a fast-paced mind-expanding motivating Goal setting how to live your dreams total financial freedom personal freedom self-esteem subconscious mind solutions for success prosperity laws of universe debt-free no limit lifestyle millionaire self help motivation personal growth positive thinking personal development life coaching success coaching hypnosis stress management hypnotherapy Neuro-linguistic programming Anthony Robbins Paul McKenna NLP Tom Nicole weight loss training events courses seminars in-company training company training in-company courses programs sales training management training marketing service training telesales training business skills training Tapping using easy-to-use video Start your day up right with ?


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Source: http://howcanyouloseweighttoday.com/2012/08/20/52-law-of-attraction-did-you-chose-this-life-faster-eft-help-me-lose-weight/

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A Search Team May Have Finally Found Amelia Earhart After 75 Years [Amelia Earhart]

75 years after Amelia Earhart disappeared, people are still looking for her. In fact, just last month, a search team started a search expedition only to leave without discovering Amelia's wreckage. Or so they thought. The team recently took a closer look at the underwater images they captured and now think they may have found her. More »


Source: http://feeds.gawker.com/~r/gizmodo/full/~3/x8sWEoh33SM/a-search-team-might-have-finally-found-amelia-earhart-after-75-years

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27 percent of S. African miners return to work

JOHANNESBURG (AP) ? A spokeswoman for Lonmin's PR company says that only some 27 percent of workers returned to work Monday morning despite a warning that those on strike would face dismissal. Police shot dead dozens of striking miners near the Lonmin platinum mine in South Africa last week.

Sue Vey, spokeswoman for the Lonmin PR company Inzalo, said on Monday its unknown how many of the returning workers had taken part in the strike that began on Aug. 10.

Lonmin says 3,000 of its rock drill operations must to return to work or face dismissal. The company also urged its other 25,000 workers and 10,000 contractors, who have been away due to the violence, to return.

On Monday morning, Lonmin shares were down some 4 percent.

Source: http://news.yahoo.com/27-percent-african-miners-return-102310165--finance.html

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Video: BMW Launches Luxury Car Sharing in SF

Sorry, Readability was unable to parse this page for content.

Source: http://video.msnbc.msn.com/cnbc/48725113/

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Selecting your own doctor under workers compensation | Workers ...

Michigan workers compensation lawyer discusses your right to choose your own doctor after 28 days and how to give notice to the insurance company.

Workers compensation provides substantial benefits to employees who are hurt on-the-job. One of the most important is access to quality medical care.

Medical care includes hospital visits, surgery, appointments with doctors, physical therapy, prescription medication, dental care, prosthetics, eyeglasses, hearing aids, wheelchairs, and other devices or appliances necessary to relieve the effects of a work injury.

An insurance company must provide whatever medical care is required provided it is both reasonable and necessary.

Medical treatment under workers compensation

The majority of people who are hurt at work are sent to industrial clinics. A referral to an outside specialist may occur if the injury is more serious. These medical providers are selected by your employer or its insurance company. Sometimes it?s even a company employed doctor.

Insurance companies like to choose your medical providers because it gives them more control over costs and work restrictions. Many of these providers receive a large portion of their business from insurance companies and a conflict of interest may arise.

Our experience shows that you get better medical care when you choose your own medical providers. Many of our clients are initially diagnosed with strains and sprains when their injuries are actually more severe. Proper treatment is often delayed until they see their own physician.

Additionally, you will need a doctor on your side if treatment is ever disputed by the insurance company.

Your right to choose your own doctor after 28 days

You can select your own doctor after 28 days from the start of medical care. All you need to do is tell the insurance company the name of your doctor and intention to treat. We have included a link to a?sample letter we give our clients to help them assert this right.

If you have any questions about workers compensation, call (855) 221-COMP for a free telephone consultation. We are committed to protecting Michigan workers and never charge a fee unless benefits are recovered.

- Alex Berman is the founder of Michigan Workers Comp Lawyers. He?s been representing injured and disabled workers exclusively for more than 35 years. Alex has helped countless people obtain workers compensation benefits and never charges a fee to evaluate a case.

Related information:

What to do if your Michigan workers comp claim is denied

- Photo courtesy of Creative Commons, by striatic.

SAMPLE LETTER

NOTICE OF INTENT TO SELECT OWN PHYSICIAN

Date: ?____________________

???????SENT VIA CERTIFIED MAIL

To:? ____________________

____________________

____________________

____________________

??Re:?Intention to treat with a physician of my own choosing

Dear _____________________:

This letter is to inform you of my intention to select my own physician for treatment of my work-related medical condition.

MCL 418.301(1) states: ?After 28 days from the inception of medical care as provided in this section, the employee may treat with a physician of his or her own choice by giving to the employer the name of the physician and his or her intention to treat with the physician.?

The name, address, and telephone number of my selected physician is as follows:

____________________________________________

____________________________________________

____________________________________________

____________________________________________

Your prompt attention to this matter is greatly appreciated.

Very truly yours,

_____________

?

Source: http://workerscomplawyerhelp.com/workers-comp-lawyer-blog/2012/08/selecting-your-own-doctor-under-workers-compensation/

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Gazelle Will Give You Cash For Your iPhone Without Leaving You Phoneless For a Month [IPhone]

About half of iPhone users are having the "I want to sell my iPhone before the new one comes out but I don't want to be phoneless for a month" dilemma right now. But there is a solution to that horrible first-world problem—Gazelle is giving out price locks and won't make you fork over your phone until October 1. More »


Source: http://feeds.gawker.com/~r/gizmodo/full/~3/O4QxO-ueSlg/gazelle-will-give-you-cash-for-your-iphone-without-leaving-you-phoneless-for-a-month

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Thursday, August 16, 2012

Researchers reveal behaviors of the tiniest water droplets

Researchers reveal behaviors of the tiniest water droplets [ Back to EurekAlert! ] Public release date: 15-Aug-2012
[ | E-mail | Share Share ]

Contact: Jan Zverina
jzverina@sdsc.edu
858-534-5111
University of California - San Diego

UC San Diego, Emory U. team create new simulations on SDSC's 'Gordon' supercomputer

A new study by researchers at the University of California, San Diego, and Emory University has uncovered fundamental details about the hexamer structures that make up the tiniest droplets of water, the key component of life and one that scientists still don't fully understand.

The research, recently published in The Journal of the American Chemical Society (JACS), provides a new interpretation for experimental measurements as well as a vital test for future studies of our most precious resource. Moreover, understanding the properties of water at the molecular level can ultimately have an impact on many areas of science, including the development of new drugs or advances in climate change research.

"About 60% of our bodies are made of water that effectively mediates all biological processes," said Francesco Paesani, one of the paper's corresponding authors who is an assistant professor in the Department of Chemistry and Biochemistry at UC San Diego and a computational researcher with the university's San Diego Supercomputer Center (SDSC). "Without water, proteins don't work and life as we know it wouldn't exist. Understanding the molecular properties of the hydrogen bond network of water is the key to understanding everything else that happens in water. And we still don't have a precise picture of the molecular structure of liquid water in different environments."

Researchers know that the unique properties of water are due to its capability of forming a highly flexible but still dense hydrogen bond network which adapts according to the surrounding environment. As described in the JACS paper, researchers have determined the relative populations of the different isomers of the water hexamer as they assemble into various configurations called 'cage', 'prism', and 'book'.

The water hexamer is considered the smallest drop of water because it is the smallest water cluster that is three dimensional, i.e., a cluster where the oxygen atoms of the molecules do not lie on the same plane. As such, it is the prototypical system for understanding the properties of the hydrogen bond dynamics in the condensed phases because of its direct connection with ice, as well as with the structural arrangements that occur in liquid water.

This system also allows scientists to better understand the structure and dynamics of water in its liquid state, which plays a central role in many phenomena of relevance to different areas of science, including physics, chemistry, biology, geology, and climate research. For example, the hydration structure around proteins affects their stability and function, water in the active sites of enzymes affects their catalytic power, and the behavior of water adsorbed on atmospheric particles drives the formation of clouds.

"Until now, experiments and calculations on small water clusters have agreed very well up to the pentamer (in chemistry, meaning molecules made of five monomers) but the energetic ordering of the low-lying isomers of the hexamer has always been controversial," said Paesani.

Added corresponding author Joel M. Bowman, with Emory University's Department of Chemistry and the Cherry L. Emerson Center for Scientific Computation: "Ours are the first simulations that use an accurate, full-dimensional representation of the molecular interactions and exact inclusion of nuclear quantum effects through state-of-the-art computational approaches. These allow us to accurately determine the stability of the different isomers over a wide range of temperatures ranging from 0 to 150 Kelvin, (almost minus 460 degrees to about minus 190 degrees Fahrenheit)."

While the prism isomer was identified as the global minimum-energy structure, the quantum simulations predicted that both the cage and prism isomers are present in nearly equal amounts at extremely low temperatures, researchers found. As the temperature increased, more cages, and then book structures, began to appear.

Researchers used SDSC's new data-intensive Gordon supercomputer as well as SDSC's Triton compute cluster to conduct the data-intensive simulations.

"Our simulations took full advantage of Gordon distributing the computations over thousands of processors," said Volodymyr Babin, a researcher with UC San Diego's Department of Chemistry and Biochemistry. "That kind of parallel efficiency would be hardly achievable on a commodity cluster. The scalability of our computational approach stems from the combination of a state-of-the-art simulation technique (replica-exchange) with path-integral molecular dynamics."

Babin said the team is currently working on extending this methodology to study the microscopic origins of the unusual properties of liquid water and ice aiming to assess quantitatively the role played by nuclear quantum effects in the topology of the water phase diagram. This project involves a huge number of data-intensive quantum chemistry computations that are only feasible on supercomputers of the same class as Gordon, he added.

###

The JACS paper is called "The Water Hexamer: Cage, Prism or Both. Full Dimensional Quantum Simulations Say Both," and also included Yimin Wang from Emory University, who developed the potential used in the simulations. The research was supported by the National Science Foundation (NSF) through grants CHE-1111364 and CHE-1038028, NSF award TG-CHE110009 for computing time on the Extreme Science and Engineering Discovery Environment (XSEDE), and awards from the CCI Center for Aerosol Impacts on Climate and the Environment.

UC San Diego News on the web at: http://ucsdnews.ucsd.edu


[ Back to EurekAlert! ] [ | E-mail | Share Share ]

?


AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.


Researchers reveal behaviors of the tiniest water droplets [ Back to EurekAlert! ] Public release date: 15-Aug-2012
[ | E-mail | Share Share ]

Contact: Jan Zverina
jzverina@sdsc.edu
858-534-5111
University of California - San Diego

UC San Diego, Emory U. team create new simulations on SDSC's 'Gordon' supercomputer

A new study by researchers at the University of California, San Diego, and Emory University has uncovered fundamental details about the hexamer structures that make up the tiniest droplets of water, the key component of life and one that scientists still don't fully understand.

The research, recently published in The Journal of the American Chemical Society (JACS), provides a new interpretation for experimental measurements as well as a vital test for future studies of our most precious resource. Moreover, understanding the properties of water at the molecular level can ultimately have an impact on many areas of science, including the development of new drugs or advances in climate change research.

"About 60% of our bodies are made of water that effectively mediates all biological processes," said Francesco Paesani, one of the paper's corresponding authors who is an assistant professor in the Department of Chemistry and Biochemistry at UC San Diego and a computational researcher with the university's San Diego Supercomputer Center (SDSC). "Without water, proteins don't work and life as we know it wouldn't exist. Understanding the molecular properties of the hydrogen bond network of water is the key to understanding everything else that happens in water. And we still don't have a precise picture of the molecular structure of liquid water in different environments."

Researchers know that the unique properties of water are due to its capability of forming a highly flexible but still dense hydrogen bond network which adapts according to the surrounding environment. As described in the JACS paper, researchers have determined the relative populations of the different isomers of the water hexamer as they assemble into various configurations called 'cage', 'prism', and 'book'.

The water hexamer is considered the smallest drop of water because it is the smallest water cluster that is three dimensional, i.e., a cluster where the oxygen atoms of the molecules do not lie on the same plane. As such, it is the prototypical system for understanding the properties of the hydrogen bond dynamics in the condensed phases because of its direct connection with ice, as well as with the structural arrangements that occur in liquid water.

This system also allows scientists to better understand the structure and dynamics of water in its liquid state, which plays a central role in many phenomena of relevance to different areas of science, including physics, chemistry, biology, geology, and climate research. For example, the hydration structure around proteins affects their stability and function, water in the active sites of enzymes affects their catalytic power, and the behavior of water adsorbed on atmospheric particles drives the formation of clouds.

"Until now, experiments and calculations on small water clusters have agreed very well up to the pentamer (in chemistry, meaning molecules made of five monomers) but the energetic ordering of the low-lying isomers of the hexamer has always been controversial," said Paesani.

Added corresponding author Joel M. Bowman, with Emory University's Department of Chemistry and the Cherry L. Emerson Center for Scientific Computation: "Ours are the first simulations that use an accurate, full-dimensional representation of the molecular interactions and exact inclusion of nuclear quantum effects through state-of-the-art computational approaches. These allow us to accurately determine the stability of the different isomers over a wide range of temperatures ranging from 0 to 150 Kelvin, (almost minus 460 degrees to about minus 190 degrees Fahrenheit)."

While the prism isomer was identified as the global minimum-energy structure, the quantum simulations predicted that both the cage and prism isomers are present in nearly equal amounts at extremely low temperatures, researchers found. As the temperature increased, more cages, and then book structures, began to appear.

Researchers used SDSC's new data-intensive Gordon supercomputer as well as SDSC's Triton compute cluster to conduct the data-intensive simulations.

"Our simulations took full advantage of Gordon distributing the computations over thousands of processors," said Volodymyr Babin, a researcher with UC San Diego's Department of Chemistry and Biochemistry. "That kind of parallel efficiency would be hardly achievable on a commodity cluster. The scalability of our computational approach stems from the combination of a state-of-the-art simulation technique (replica-exchange) with path-integral molecular dynamics."

Babin said the team is currently working on extending this methodology to study the microscopic origins of the unusual properties of liquid water and ice aiming to assess quantitatively the role played by nuclear quantum effects in the topology of the water phase diagram. This project involves a huge number of data-intensive quantum chemistry computations that are only feasible on supercomputers of the same class as Gordon, he added.

###

The JACS paper is called "The Water Hexamer: Cage, Prism or Both. Full Dimensional Quantum Simulations Say Both," and also included Yimin Wang from Emory University, who developed the potential used in the simulations. The research was supported by the National Science Foundation (NSF) through grants CHE-1111364 and CHE-1038028, NSF award TG-CHE110009 for computing time on the Extreme Science and Engineering Discovery Environment (XSEDE), and awards from the CCI Center for Aerosol Impacts on Climate and the Environment.

UC San Diego News on the web at: http://ucsdnews.ucsd.edu


[ Back to EurekAlert! ] [ | E-mail | Share Share ]

?


AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.


Source: http://www.eurekalert.org/pub_releases/2012-08/uoc--rrb081512.php

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Can Your Small Business Benefit from PPC Advertising?

Last updated 9 hours ago

If your company is looking to try out online advertising to increase website traffic and boost sales, Pay Per Click (PPC) advertising may be the right marketing product to try out. These ads show up on search results or Facebook pages, but you only pay for the ad if someone actually clicks on the link. PPC ads are a low-risk way to try out digital marketing. Below we?ll take a look at how this tactic might benefit your business:

Cost Efficient and Quick

Setting up a PPC ad campaign is a short process that can really benefit small businesses with a limited marketing budget. The ads take minutes to set up, and never go over budget because you create the financial parameters in which they run. If you are trying to place an ad in an extremely competitive keyword market (one where your ad may not show up until the third page of results), your company does not lose any money if users do not see your ad.?

Refined Targeting

In order to make the most of PPC ads, businesses should target the keywords and demographics that fit with their target customers so as to show the ads only to potential customers. For this reason, you may want to tailor your ad to local customers by including keywords for nearby suburbs and other geographic locations. Facebook PPC ads are popular with business owners because they can be targetd to particular age groups, genders, education levels, interests, and cities. An effectively targeted PPC ad campaign can make the most out of every online marketing dollar.

Is PPC Right for You?

For small businesses, PPC ads can help drive new business and increase brand awareness. They offer a quick assessment of the market, and go into effect much faster than traditional SEO efforts. These digital ads also enable you to test different marketing approaches and keywords sets for a relatively low cost. The barrier to entry for PPC is so low, that most small businesses have nothing to lose.

PPC ads can be a cost effective and efficient way to advertise your company. If you would like help setting up ads, working out the targeting, or tracking your success, contact ReachLocal strategist Brad Sharenow. He is skilled at helping small New York City businesses stretch their online marketing dollars. Call Brad today at (877) 411-3777 to schedule a free marketing consultation.

?

Source: http://www.onlinemarketingconsultantnyc.com/522156/2012/08/15/can-your-small-business-benefit-from-ppc-advertising.html

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Wednesday, August 15, 2012

Records reveal Italy's long earthquake past

Amid weeks of endless tremors, in a central Italian city already destroyed by an earthquake, two warring factions laid down their arms, signed a truce and took cover in their huts. The earthquake of Dec. 3, 1315, had stunned the men of L'Aquila into retreat. It was a sign, they believed, that their years-long war should immediately end.

Nearly 700 years later, a historical seismologist at Italy's National Institute of Geophysics and Volcanology uncovered that treaty and used it, along with hundreds of other historical documents, to piece together the seismic history of central Italy's Abruzzo region.

The history that Emanuela Guidoboni and her team found was a tumultuous one: Hundreds of quakes have rocked Abruzzo over the last two millennia. Guidoboni's group believes its findings, which span 15 centuries, will help improve seismic hazard calculations for this quake-prone region.

Abandoned cities and ancient cults
The highest peak of the Appenine Mountains lies in Abruzzo, and the same forces that built the mountain range drive the region's earthquakes. Accounts of temblors there date back to the first century, and the region still experiences seismic shifts; a deadly earthquake struck the city of L'Aquila on April 6, 2009.

  1. Science news from NBCNews.com

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      Science editor Alan Boyle's blog: One of the most titillating tales in the study of human origins ? focusing on whether Neanderthals interbred with modern humans ? is getting more tangled.

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    4. Conspiracy theorists see Antarctica UFO

Guidoboni's team combed through hundreds of official documents, papal letters, military accounts and archaeological reports for evidence of ancient quakes. The group's findings appear in the August issue of the Bulletin of the Seismological Society of America.

Overall, the region seems to experience about two strong earthquakes (magnitude 6 to 7) each century, with many smaller bouts (magnitude of at least 4.8) every 10 to 15 years. Tremors often hit in rapid succession ? just hours apart in some cases ? and aftershocks can go on for weeks after a major quake, as in the 1315 L'Aquila event. [ Video: What Does Quake 'Magnitude' Mean? ]

Ancient quakes shaped Abruzzo's communities and cultures in interesting ways, the team found.

Ancient cities along the Aterno-Pescara River, including the one that would eventually become L'Aquila, often faced economic crises after earthquakes and were even abandoned at various times, Guidoboni said. Occasionally, though, the quakes had less disastrous effects, such as the 1315 treaty that ended the L'Aquila conflict.

Ancient cults revolved around seismic activity, she said. Near an active fault outside of L'Aquila, for example, men would race barefoot through rugged terrain to reach a large, split rock that was said to be the home of a dragon. The men would then sprinkle the path with their own blood to ward off bad luck and future quakes. (The dragon was a symbol tied to earthquakes in ancient cultures.)

Many of those ancient rituals have disappeared over the years. "The ancient communities, through religion, fairy tales, beliefs and place names, had more contact with their history of earthquakes" than modern communities do, Guidoboni told OurAmazingPlanet.

The lost millennium
Although the team uncovered a wealth of clues about past earthquakes, there's still a significant gap in records from about the fourth century to the 14th century. Guidoboni calls this span of the Middle Ages the "lost millennium."

People were largely illiterate and constantly fighting during this period, she explained. "The towns were small, almost military castles, and the people were always fighting among themselves. There was really no urban cultural center at the time," she said in comments translated from their original Italian.

To piece together the seismic history of the lost millennium, researchers probably will need to turn to ancient church records, such as the Vatican Secret Archives, and delve further into archaeological investigations, Guidoboni said.

"I think research still has surprises in store for us," she said.

Follow OurAmazingPlanet on Twitter @OAPlanet. We're also on Facebook? and Google+.

? 2012 OurAmazingPlanet. All rights reserved. More from OurAmazingPlanet.

Source: http://www.msnbc.msn.com/id/48663250/ns/technology_and_science-science/

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CrimProf Blog: Greenberg on Mistakes of Law

? | Main

August 14, 2012

Greenberg on Mistakes of Law

Greenberg markMark Greenberg?(UCLA School of Law and Department of Philosophy) has posted?How Mistakes Excuse: Genuine Desert, Moral Desert, and Legal Desert?(Newsletter of the American Philosophical Association, Forthcoming) on SSRN. Here is the abstract:

Gideon Yaffe?s "Excusing Mistakes of Law" seeks to explain "the asymmetry between the excusing force of mistakes of fact and law." In this paper, I offer a competing explanation of the asymmetry and criticize Gideon's explanation. Behind some of the specific issues concerning mistake of fact and mistake of law lie more fundamental questions about the nature of law and about the relation between law and morality. Underlying Gideon's proposal seems to be an assumption that the legal domain has an internal structure parallel to that of the moral domain: legal reasons, legal obligations, legal excuses, and so on bear the same relations to each other that, within the moral domain, moral reasons, moral obligations, moral excuses, and so on bear to each other. In particular, Gideon relies on the assumption that just as, absent special circumstances, one who acts on morally wrong principles is, for that reason, morally blameworthy or morally deserving of reproach or punishment, so one who acts on legally wrong principles is, for that reason, legally deserving of punishment.?

I argue that this assumption ignores the problem of explaining when and why mistake of law excuses (and when and why it does not), rather than helps us toward a solution. To the extent that the law's treatment of mistake of law is puzzling, it is in large part because, in many cases of legal mistake, the defendant does not seem genuinely deserving of punishment, whether the relevant understanding of desert is specifically moral or more general. Perhaps ironically, Gideon's assumption that legal desert relates to legal mistake in the same way that moral desert relates to moral mistake yields a technical notion of legal desert, one on which acting on the basis of false legal beliefs makes one ipso facto deserving of punishment. We cannot usefully understand when and why legal mistakes excuse in criminal law in terms of a technical notion of legal desert that is internal to the legal domain and independent of moral desert (and of desert simpliciter), but modeled after it. Instead, we need to explain how legal mistakes relate to genuine desert.

August 14, 2012 | Permalink

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Source: http://lawprofessors.typepad.com/crimprof_blog/2012/08/greenberg-on-mistakes-of-law.html

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Tuesday, August 14, 2012

Afghan attacks with some 14 suicide bomber kill 27

(AP) ? A police official says as many as 14 suicide bombers were involved in attacks Tuesday that killed at least 27 people in relatively peaceful southwestern Afghanistan.

The deputy police chief of Nimroz province says not all the bombers detonated their explosives. Police captured or killed several of them. Abdul Majid Latifa says at least 14 attackers with explosives were involved.

Another official put the number of bombers at 11.

The head of the Nimroz provincial health department, Noor Ahmad Shirzada, says 110 people were wounded in Tuesday's attacks in different parts of the city of Zaranj.

Taliban insurgents and their allies have been ratcheting up attacks as international troops hand over security to Afghan forces. NATO plans to withdraw most of its troops by the end of 2014.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2012-08-14-Afghanistan/id-a0f1cc145ff1494780619660a6444291

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SUPERVISORY MWR RECREATION DIRECTOR | San Diego Navy ...

ANNOUNCEMENT: NAF 30-12

CLOSING DATE: 10 SEPTEMBER 2012 FIRST CUT OFF: 30 AUGUST 2012

POSITION: SUPERVISORY MWR RECREATION DIRECTOR

SALARY: $34,000-$97,000 ANNUALLY
STATUS: REGULAR FULL TIME
LOCATION: NAVAL SUPPORT ACTIVITY MONTEREY - MONTEREY, CA

RAMURAL SPORT PROGRAM, NAVAL AIR STATION CORONADO, CA

AREA OF CONSIDERATION: WORLD WIDE- RELOCATION EXPENSES NEGOTIABLE

BRIEF DESCRIPTION OF DUTIES :

The incumbent serves as the Director, Fitness and Recreation Division of the Quality of Life Department. Directs a comprehensive program of recreation opportunities for approximately 50,777 eligible patrons including 5,049 active duty personnel and their dependents. Responsible for an annual appropriated (APF) and non-appropriated (NAF) budget in excess of $2M. Maintains administrative and fiscal oversight of the Gymnasium and Fitness Center, Varsity and Intramural Sports, Tennis Courts, Sports Fields, Movie Program, Outdoor Recreation, Navy Flying Club, Roman Plunge Reflecting Pool, LIBERTY Program, the Information, Tickets and Tours Office, Marina, Commercial Sponsorship, Marketing, Facility Maintenance, Special Events and Special Interest groups. Independently increases or decreases staffing levels based on seasonality of programs, MEO Restrictions, budget constraints, etc. Continuously evaluates customer needs and devises procedures for use by subordinate managers to evaluate patron's needs and interests on an on-going basis. Maintains administrative and supervisory responsibility of approximately 20 civil service and non-appropriated fund personnel. Directly supervises up to 6 MWR Activity Managers. Establishes and monitors employee training programs for all Fitness and Recreation personnel. Ensures all levels of supervision are informed of program policies, special events, problems or other pertinent information. Ensures equal opportunity employment practices are followed. Applies financial and accounting knowledge and skills regarding both appropriated and non-appropriated fund entitlements and procedures to interface from funding resources for a sound fiscal policy which meets program objectives by both short and long range goals. Continuously monitors performance including budget execution of subordinate managers taking corrective action when necessary. Represents the MWR program at mandatory meetings, various conferences, budget reviews, etc., concerning current and future programs, practices and trends. May serve as the Acting Quality of Life Director in his/her absence. Other duties as assigned.

QUALIFICATIONS REQUIRED :

  • A bachelor's degree in recreation or a related field, and/or a minimum of 4 years progressively applicable experience.
  • Comprehensive knowledge of recreation policies, requirements, administrative practices and procedures related to the planning, budgeting, scheduling, and coordinating of recreational programs and the efficient operation and utilization of facilities and equipment.
  • Skill in negotiating program issues and operational requirements with personnel inside and outside the local installation, community organizations and patrons.
  • Ability to effectively direct and coordinate the functions of several recreation facilities and activities, diverse in nature.
  • Knowledge and skill in directing the application of recreation management principles, concepts and methodology to a variety of unconventional, unusually difficult and complex assignments involving the full range of recreation activities including operations and maintenance, financial management, assignment utilization, improvements, management-patron relations and merchandise and equipment management.
  • Ability to develop local procedures and policies based on the effective interpretation of DON/DOD regulations.
  • Must possess effective written and oral communication skills enabling effective communication with higher rank civilian and military officials from the Command.
  • The Recreation Director is responsible to the Quality of Life Director.
  • Satisfactory completion of a background check is a requirement of this position.

Source: http://navylifesw.com/sandiego/events/2012/08/10328/

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