Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/205437975?client_source=feed&format=rss
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Tuesday, February 28, 2012
Monday, February 27, 2012
Ins and outs of flood insurance [American News, Aberdeen, S.D. ...
Federal Emergency Management Agency specialist said during a recent visit to Aberdeen.
But, Norm Ashford said, it?s not possible. And that?s why the federal government offers flood policies through private insurance agencies.
While flood insurance is required for all people who live in high-risk flood zones and is available to everybody, policies are often misunderstood, Ashford said. Damage caused by floods is not covered by general homeowner policies.
Ashford said people often have a couple of questions about flood policies:
Q. How is a flood defined?
A. Simply put, a flood involves temporary surface water on more than one piece of property or multiple acres, Ashford said.
?This is flood policy, and a flood is surface water,? he said.
Q. What do flood insurance policies cover?
A. Flood insurance policies don?t cover damage caused by seepage that?s not from surface water and don?t cover sewer backup damage unless the backup is caused by surface water. They do cover surface water that runs in through windows and causes damage.
Policies for residences cover as much as
Premiums for the most basic flood insurance policies for homes in low- and moderate-risk flood zones start at
Basements
Flood policies also offer limited coverage for basements. They will pay for pumping out water, cleaning up basements, drywall, insulation, new studs, foundation damage and new appliances, Ashford said. But they won?t cover the cost of finish work like painting or putting on siding. Some contents stored in basements are also covered, he said.
A basement is defined as any room or portion of a room that has its floor below grade on all sides.
Ashford said a presidential disaster declaration is not needed for flood insurance claims to be paid.
While it?s been a mild winter and the prospect of flooding appears low, FEMA officials urge residents to keep their flood insurance policies in place. Trying to guess when it might flood is dangerous because natural disasters don?t follow schedules, they said.
?Don?t try and time it,? Ashford said of buying a flood insurance policy.
Policies don?t go into effect until 30 days after they?re purchased.
A big reason that flood policies have the caveats they do is that premiums have to cover the cost of the program, Ashford said. The federal flood insurance program is not subsidized by the federal government, he said.
___
(c)2012 the American News (Aberdeen, S.D.)
Visit the American News (Aberdeen, S.D.) at www.aberdeennews.com
Distributed by MCT Information Services
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Similar news:Source: http://insuranceinf.com/ins-and-outs-of-flood-insurance-american-news/
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Saturday, February 25, 2012
Friends deleted at record rate: Pew
By Bob Sullivan
Facebook is apparently getting a lot more unfriendly.
Users are getting a lot more selective, deleting comments, photo tags and even friends at a record rate, according to a new study released Friday by the Pew Internet and American Life Project.
Pew is calling this phenomenon "the pruning" of social networks, and?the study?includes findings like this: 63 percent of users have unfriended people from their friends users. Another 44 percent have deleted comments made by others from their profile page, and 37 percent have removed tags from photos.
"Social network users are becoming more active in pruning and managing their accounts," says the report, written by Mary Madden, senior research specialist at Pew.
Users are also taking an active role in keeping their private information private, with 58 percent of users saying they use high-level privacy settings so only friends can view their pages.?Women are far more restrictive, with 67 percent using the tightest privacy settings, compared to 48 percent of men. They lock down their accounts despite the fact that half of all users say they have "some difficulty" using the privacy controls.
The research seems to suggest that U.S. adults, who have so far shown little appetite for actively managing their personal privacy, are starting to get the hang of it.
"Social science researchers have long noted a major disconnect in attitudes and practices around information privacy online. When asked, people say that privacy is important to them; when observed, people?s actions seem to suggest otherwise," the report noted. The shift to more privacy on Facebook seems to belie this long-standing trend.
Perhaps regret has something to do with that.? The report found that 11 percent of Facebook users say they've posted something that they regret on a social network. Men are twice as likely to say so (15 percent to 8 percent). Users 50 and older, at 5 percent, are much less likely than young adults under 29 (15 percent), to express such regret.?
One area where there was a surprising lack of age gap: Overall privacy settings. While 23 percent of users 65 and over choose fully public settings, 22 percent of users 18-29make the same choice.
"The choices that adults make regarding their privacy settings are also virtually identical to those of teenage social media users," the report said.? "Private settings are the norm, regardless of age."
Young adults are more likely to "unfriend," however at 71 percent, compared to just 41 percent for the oldest users.
The Pew report is based on a survey of 2,277 U.S. adults conducted in May, and has a margin of error of +/- 3 percent.? In nearly all "pruning" related categories, and within nearly all age groups, use of privacy-related tools gained ground since the last time Pew conducted the study in 2009. Back then, only 30 percent of all users had untagged a photo, compared to 37 percent in 2011; and 56 percent had unfriended someone, compared to 63 percent in 2011.?
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Source: http://surfcitybaptistchurch.com/?p=875
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Friday, February 24, 2012
Payday Loan In Abilene: Tips For Getting A Loan ? Management ...
Are you looking for some help with payday loan Abilene? Do not worry as the following guide will help you in the entire process.
Determine your Needs
It is important that you determine your needs before you actually apply for a payday loan. Payday loans are better described as a last resort to pay any unseen emergency expenses. You can also postpone your payment till the next payday if you find a way of securing the required funds. Proceed to the next step if you feel that a payday loan is the best way of dealing with your financial needs.
Decide the Amount
It is better that you decide the amount well in advance. Payday loans are basically small loan amounts which are regulated by the state law. Thus, the law might vary from state to state. For instance, some states might have a limit of 500 USD whereas some states have a limit of 1500 USD.
Avoid borrowing an amount which you cannot pay later on.
Research Payday Loan Providers
Investigate about individual payday loan firms. There are several lenders that offer a loan for small amounts but for a limited time period. It is recommended that you conduct a background check to find out if the firm is genuine and not fraudulent in nature. Avoid giving out your personal information to firms whom you don?t trust.
Determine the Payday
Determine when the next payday is. On the basis of the agreement with the insurance firm, you will have to pay back the loan with the next paycheck.
Collect your Personal Information
Ensure that you gather your personal information, which is required for applying the payday. Given is some information which you will have to provide to the insurance firm:
* Bank account information
* Age details and proof
* Employment proof
* Income details
* Email address and phone details
Use these guidelines and apply for a payday loan accordingly.
Incoming search terms:
Source: http://www.akwatik.com/payday-loan-in-abilene-tips-for-getting-a-loan/
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Estate Planning Basics for Unmarried Couples | Arizona Wills & Trusts
By On the Net, on February 23rd, 2012
Investopedia:? The estate-planning process should be an integral part of everyone?s financial plan. The benefits are obvious, including tax savings, efficient disposition of assets, end-of-life decisions, financial security for heirs and general peace of mind.
For married couples, the planning rules are fairly straightforward. For unmarried couples, however, whether same-sex or opposite-sex, the issues concerning financial and estate planning are often quite complex, and the rules cumbersome. This article will highlight some key planning strategies that unmarried couples should consider in order to protect both partners. (To keep reading on this subject, see Marriage, Divorce And The Dotted Line, The Tax Benefits Of Having A Spouse and Relationship Money Matters.)
Background Statistics On Unmarried Couples
According to the 2000 U.S. Census Bureau, it is estimated that there are more than 5.5 million unmarried couples living together in the U.S., up from 3.2 million in 1990. Of the 5.5 million, it is estimated that 600,000 are same-sex couples, who for the most part can?t get hitched even if they wanted to.
For the increasing number of couples unable to or unwilling to get married, financial planning is crucial to avoid unpleasant surprises. After all, when it comes to taxes and other financial benefits, we live in a society that provides benefits to those who wed and punishes those who don?t. Until the system changes, here are a few tips you can use to protect not only yourself but your loved one as well in these four areas of your personal finance:
1. Account And Property Titling
The legal ownership of property or accounts can affect how they are distributed in the event of the owner?s death. Each type has its own benefits and drawbacks.
Continue reading more estate planning basics for unmarried couples.
Related posts:
- Estate Planning Issues For Same-Sex Couples
- Estate Planning: What Same-Sex Couples Need to Know
- Financial and Estate Planning For Gay and Lesbian Couples
- Estate Planning Basics
- Lapsed Federal Estate Tax Creates Couples Trap
- ?Perfect Storm? For Estate Planning
Source: http://www.keytlaw.com/arizonawills/2012/02/estate-planning-basics-for-unmarried-couples/
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Planet Waves FM: The Fire Breathing Fish | Astrology Blog, Monthly ...
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Today?s edition of Planet Waves FM was recorded Tuesday right before the Pisces New Moon, by your host, the Fire Breathing Fish. It morphs from a reading of the New Moon chart into a rant on women?s autonomy and what used to be called reproductive rights. Casting the issue as total sovereignty is more accurate. But it lacks a certain appeal ? where there are rights, there are responsibilities. Privilege without a corresponding sense of duty is inherently toxic ? and even well-bred royalty know this. If we?re wondering why any woman is willing to give up her rights, her autonomy or her sovereignty, the answer may be found in her relationship to being a steward of her own body and the power that it contains.
The Virgo Squad -- Betty Dodson, right, with Planet Waves friend and contributor Beth Bagner.
At a certain point in the podcast I launch into a tirade on the religious ?right? doing its takedown of women, and then describe a new video by my mentor and friend Betty Dodson. She?s recently come out with a new video in her series on women?s sexuality, a documentary of one of her bodysex workshops.
I highly recommend this video and I will be reviewing it more thoroughly soon. I recognize that it?s $40 so I suggest you go in with a few friends and make an evening or two of it. What this DVD offers is a model for a sane conversation about sex and sexuality. If nothing else, we get a model for how to think and how to speak ? in an original way, but within a framework that includes boundaries, a sense of purpose and most important, a sense of humor.
It includes discussion of body image, sexual evolution, making choices, the struggle with sex within relationships and many other topics. Part of the problem we face is that we don?t know how to talk about sex, we?re embarrassed to do so, it rarely happens so we don?t get any practice, and we?re afraid that Western civilization (or at least our relationship) will collapse if we even try. I guess we will have to see.
I recommend all of Betty?s videos but my personal favorite is Her Life of Sex and Art, a frank (and frankly hilarious) talk given by Betty in good old politically correct, may I please glance at you Seattle. This is Betty at her most authentic and spontaneous ? an off the cuff description of her life, that is, her life of art and sex. This DVD is $10 and it?s nothing but fun. If you would like to read more about Betty, here is one of my articles about her.
Eric Francis is the founder, editor and publisher of Planet Waves, Inc., an internet publishing company that created the Planet Waves internet sites. Planet Waves Daily Astrology & Adventure publishes four times daily with a focus on astrology, politics, sexuality, relationships and photography.Source: http://planetwaves.net/pagetwo/daily-astrology/planet-waves-fm-the-fire-breathing-fish/
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Thursday, February 23, 2012
Construction Jobs Rebound Amid U.S. Home Remodeling Pick-Up ...
February 22, 2012, 10:43 AM EST
By Anna-Louise Jackson and Anthony Feld
(Updates with existing home sales data in third and eighth paragraphs.)
Feb. 22 (Bloomberg) ? Construction hiring is picking up as Americans invest in renovating their homes amid signs that the worst of the housing-market declines may be over.
The number of people working in residential remodeling grew 5.8 percent in December to 250,700 from a year earlier, based on preliminary data released Feb. 3 by the Bureau of Labor Statistics. This was the highest growth for these jobs ? which account for about 5 percent of construction employment ? since December 2006, before the housing bubble burst.
Sales of existing homes, which rose 4.3 percent in January, precede spending on improvement projects by about six months, as new owners often do a lot of ?fix-ups? soon after they move in, said Kermit Baker, a senior fellow at Harvard University?s Joint Center for Housing Studies. That means there?s now a ?strengthening market? for this work, buoyed by demand that?s more discretionary in nature ? such as minor kitchen remodels ? - and mild winter weather in much of the U.S.
?More remodeling projects are going to create more jobs in the construction industry,? said Baker, who also is the chief economist for the American Institute of Architects.
Home Depot Inc., the world?s largest home-improvement retailer, echoed the optimism yesterday when it reported fourth- quarter net income that exceeded analysts? estimates. An increase in traffic and transactions among its professional customers is encouraging as ?they?re getting more jobs, more work,? Craig Menear, executive vice president of merchandising at the Atlanta-based company, said on a conference call.
Remodeling Projects
Fortune Brands Home & Security Inc. and Beacon Roofing Supply Inc. also have seen a pick-up in sales related to residential-remodeling projects, according to company reports.
Home improvement probably will bounce back the most this year since 2006, after spending fell as much as 20 percent during the three-year home-remodeling slump that ended in mid-2010, Baker said. Growth in the ?low-to-mid-single digits? may follow an estimated 0.8 percent last year, with total spending projected to be $112.4 billion in 2012, he said, citing the Cambridge, Massachusetts, center?s leading indicator of remodeling activity.
The index forecasts changes in the industry for the current quarter and subsequent three periods, using data including sales of existing homes, which rose to a 4.57 million annual rate in January, the highest since May 2010, the National Association of Realtors said today. December sales were revised down to a 4.38 million pace from 4.61 million.
Rising Construction Permits
Growth also is showing up in another index based on the number of construction permits filed, which rose 23 percent in December to 127.4 from a year earlier, according to Joe Emison, co-founder and vice president of research and development at BuildFax, an Austin, Texas-based real-estate data company.
Another driver for the rebound in contractor hiring comes from ?pent-up demand? by Americans who can?t afford to move, said Ellen Zentner, a senior economist at Nomura Securities International LLC in New York. She was among the top-ranked forecasters of nonfarm payrolls as of Feb. 1, according to data compiled by Bloomberg.
?If you can?t sell your home, may as well make the box you live in better,? she said.
The rebound ?makes sense? because BuildFax?s data captures all work that requires a hired contractor, which accounts for about two-thirds of such projects, Emison said. Amid a ?glut of bad homes? on the market, and with homeowners worrying their properties are undervalued, ?people may be stuck in their existing homes for a while.?
Vinyl-Siding Sales
Remodeling projects represent ?almost all? Beacon Roofing Supply?s current sales of vinyl siding, windows and doors, which are more-discretionary purchases, Chief Financial Officer Dave Grace said on a Feb. 9 conference call. As the economy continues to expand, owners will ?start spending on their homes,? he said.
Similarly, Fortune Brands is forecasting ?slight improvement? in its repair and remodel business this year, Chief Executive Officer Christopher Klein said on a Feb. 1 conference call. The market for this segment and new housing construction will grow 3 percent in 2012 from 2011, the Deerfield, Illinois-based company forecast when it released fourth-quarter earnings that day.
?Recent modest improvement in the U.S. economy and the unemployment rate, coupled with some pent-up demand in home improvements, seems to be supporting modest growth in remodel activity,? Klein said.
Falling Jobless Rate
The U.S. jobless rate fell to 8.3 percent in January from 8.5 percent the prior month to the lowest level since February 2009, marking five consecutive months of declines. Meanwhile, payrolls climbed 243,000, the most in nine months, exceeding the most optimistic forecast in a Bloomberg News survey.
Consumer confidence strengthened to minus 39.8 in the week ended Feb. 12 from minus 41.7 the previous week, as measured by the Bloomberg Consumer Comfort Index. That?s the highest in a year and more than 13 points above a nearly two-year low of minus 53.2 in October 2011.
Still, there may be some slowing before remodeling activity picks up, based on the Harvard indicator, which suggests acceleration may occur later this year, and the BuildFax index, which has fallen nearly 20 points since peaking in October.
Behind Prerecession Levels
Contractor-hired work also has a long way to go to reach prerecession levels, as the number of residential remodelers lags behind the September 2006 peak by more than 76,000, Labor Department data show. Government figures may underestimate the size of this industry because they track workers on payrolls, and about two-thirds of home-improvement businesses consist of self-employed people, Baker said.
Even so, the revival in residential remodeling seen last year probably will continue, which is encouraging for people in this industry, Zentner said.
?An increase in these jobs should precede a broader recovery in housing,? she said. ?We have a bit of strengthening that does appear to be legitimately returning.?
?Editors: Melinda Grenier, Daniel Moss
To contact the reporters on this story: Anna-Louise Jackson in New York at ajackson36@bloomberg.net; Anthony Feld in New York at afeld2@bloomberg.net
To contact the editor responsible for this story: Anthony Feld at afeld2@bloomberg.net
Source: http://g7finance.com/investing/construction-jobs-rebound-amid-u-s-home-remodeling-pick-up/
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International Business Program
Apparently, on the international arena, the international business entails the transactions among two nations. Most of the time economic sources are the main goods of transactions this kind of as capabilities, folks and capital for a number of purposes such as finance, construction, banking and services. In the 21st century in which engineering, companies and communications are important, numerous are claiming that our planet is now a worldwide society with loads of international issues relevant to company, even causing hot debates and controversies.
The international business career is entirely various from the domestic trade as it involves the comprehending of varied cultures. From there we can conclude that it is now a desirable ability in the marketplace so it ought to be your perfect area of research or occupation if travelling, recognize foreign cultures, and cultivating new languages are your interest forte. Besides, due to the need to deal with several distinct people, you should be well outfitted with some math capabilities, brilliant communication capabilities as nicely as some passionate innovative pondering.
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No doubt, the international business career is 1 potential field to develop. But of program, a single who intends to specialize in this region must comprehend will the intricacies of establishing a robust business association with partners from other nations. The difference in culture, political systems, comprehending and language is undoubtedly a challenge in the organization collaboration. Always perform enough study beforehand and carry an open mind to make the offer a success.
Source: http://www.mystudioserver.com/487/international-business-program.html
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Wednesday, February 22, 2012
Rare Earth element found far, far away
Tuesday, February 21, 2012
Nearly 13.7 billion years ago, the universe was made of only hydrogen, helium and traces of lithium ? byproducts of the Big Bang. Some 300 million years later, the very first stars emerged, creating additional chemical elements throughout the universe. Since then, giant stellar explosions, or supernovas, have given rise to carbon, oxygen, iron and the rest of the 94 naturally occurring elements of the periodic table.
Today, stars and planetary bodies bear traces of these elements, having formed from the gas enriched by these supernovas over time. For the past 50 years, scientists have been analyzing stars of various ages, looking to chart the evolution of chemical elements in the universe and to identify the astrophysical phenomena that created them.
Now a team of researchers from institutions including MIT has detected the element tellurium for the first time in three ancient stars. The researchers found traces of this brittle, semiconducting element ? which is very rare on Earth ? in stars that are nearly 12 billion years old. The finding supports the theory that tellurium, along with even heavier elements in the periodic table, likely originated from a very rare type of supernova during a rapid process of nuclear fusion. The researchers published their findings online in Astrophysical Journal Letters.
"We want to understand the evolution of tellurium ? and by extension any other element ? from the Big Bang to today," says Anna Frebel, an assistant professor of astrophysics at MIT and a co-author on the paper. "Here on Earth, everything's made from carbon and various other elements, and we want to understand how tellurium on Earth came about."
'In the halo of the Milky Way,' a rare element found
The team analyzed the chemical composition of three bright stars located a few thousand light-years away, "in the halo of the Milky Way," Frebel says. The researchers looked at data obtained from the Hubble Space Telescope's spectrograph, an instrument that splits light from a star into a spectrum of wavelengths. If an element is present in a star, the atoms of that element absorb starlight at specific wavelengths; scientists can observe this absorption as dips in the spectrograph's data.
Frebel and her colleagues detected dips in the ultraviolet region of the spectrum ? at a wavelength that matched tellurium's natural light absorption ? providing evidence that the rare Earth element does indeed exist in space, and was likely created more than 12 billion years ago, at the time when all three stars formed.
The researchers also compared the abundance of tellurium to that of other heavy elements such as barium and strontium, finding that the ratio of elements was the same in all three stars. Frebel says the matching ratios support a theory of chemical-element synthesis: namely, that a rare type of supernova may have created the heavier elements in the bottom half of the periodic table, including tellurium.
No ordinary supernova
According to theoretical predictions, elements heavier than iron may have formed as part of the collapsing core of a supernova, when atomic nuclei collided with huge amounts of neutrons in a nuclear fusion process. For 50 years, astronomers and nuclear physicists have modeled this rapid process, named the r-process, in order to unravel the cosmic history of the elements.
Frebel's team found that the ratios of heavy elements observed in the three stars matched the ratios predicted by these theoretical models. The findings, she says, confirm the theory that heavier elements likely formed from a rare, extremely rapid supernova.
"You can make iron and nickel in any ordinary supernova, anywhere in the universe," Frebel says. "But these heavy elements seem to only be made in specialized supernovas. Adding more elements to the observed elemental patterns will help us understand the astrophysical and environmental conditions needed for this process to operate."
Frebel is continuing the search for heavy elements in space. For example, selenium ? which is similar to tellurium ? has yet to be detected in the universe. Tin, Frebel says, is also a difficult element to spot, as are many elements along the same row as tellurium in the periodic table.
"There are still quite a few holes," Frebel says. "Every now and then, we can add an element, and it adds another data point that makes our work easier."
###
Massachusetts Institute of Technology: http://web.mit.edu/newsoffice
Thanks to Massachusetts Institute of Technology for this article.
This press release was posted to serve as a topic for discussion. Please comment below. We try our best to only post press releases that are associated with peer reviewed scientific literature. Critical discussions of the research are appreciated. If you need help finding a link to the original article, please contact us on twitter or via e-mail.
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Source: http://www.labspaces.net/117758/Rare_Earth_element_found_far__far_away_
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Tuesday, February 21, 2012
Japanese firms seek Europe phone market share (Reuters)
[unable to retrieve full-text content]Reuters - Japanese companies Fujitsu and Panasonic plan to enter the European smartphone market as rivals Apple and Samsung have piled on the pressure in their previously isolated home market.
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Lab-grown hamburger to be served this fall
Dutch scientist Mark Post displays samples of lab-grown meat at the University of Maastricht.
By Alan Boyle
The quest to grow meat in a lab rather than on an animal is due to reach its climax this fall, with the first-ever culture-dish hamburger served to a celebrity taster after a $330,000 development effort.
Mark Post, a physiologist at the University of Maastricht in the Netherlands, said the project is being funded by an anonymous investor who is interested in "life-transforming technologies" and believes lab-grown meat could revolutionize the food industry.
"It's a reputable source of money, I can tell you," Post said today in Vancouver, Canada, at the annual meeting of the American Association for the Advancement of Science.
Post hopes the tasting will be a media event, with experimental chef Heston Blumenthal cooking the burger. The patty will be much like a regular quarter-pounder?? but with one big difference: This one will be created by growing bovine stem cells in a vat, transforming them into thousands of thin layers of beef muscle cells, mincing them into tiny pieces, then combining the bits with lab-grown animal fat to form a lump of meat the size of a golf ball.
Live Poll
Would you be more willing or less willing to eat a hamburger that was made in a lab?
176500
More willing: Save the animals.
22%
176501
Less willing: It's just too weird.
63%
176502
It's all the same: Meat is meat.
16%
VoteTotal Votes: 8900
If Post and his colleagues succeed, it would mark a technological triumph after years of working to improve upon the current, millennia-old method for making meat. Researchers in the field say the livestock industry in its current incarnation is too energy-intensive and land-intensive for a global population that's rising in numbers and affluence.
Meat production already takes up more than half of the world's estimated agricultural capacity, in one way or another. U.N. figures show that animal farming takes up 30 percent of the planet's exposed land mass. And over the next 40 years, the demand for meat products is expected to double.
If the researchers' assumptions are correct, growing meat in the lab "could reduce the energy expenditure by about 40 percent," Post said. Lab-grown meat has also won the endorsement of People for the Ethical Treatment of Animals, or PETA, because the stem cells could be extracted without killing animals.
The money behind the meat
Post has been talking about serving up the first lab-grown burger for a long time, but it took the anonymous 250,000-euro ($330,000) contribution to turn the dream into reality. Traditional meat producers weren't interested in changing their ways, and were doubtful about success, he said. "Most people don't believe it's ever going to happen," he told reporters.
When Post started working on the project, he focused on growing stem cells from pigs to create a lab-grown sausage, but he said "my financier was not very interested in sausages."
There's still a long way to go between now and the celebrity cookout: Post said he doesn't yet know what the burger would taste like, because the samples that have been grown so far are too small. The pinkish-yellowish strips of muscle cells are only about an inch (3 centimeters) long, a half-inch (1.5 centimeter) wide, and so thin (1 millimeter) that they're semi-transparent. Post feels confident that his team can perfect the process by October, but full commercialization could take another 10 years or more.
The good news is that if there's someone out there willing to buy the second lab-grown hamburger, they can get it for "an extreme reduction in price," Post told me. He estimates that piece of meat should cost just 200,000 euros ($263,000).
Beyond meat
It's worth asking whether the quest to grow lab-grown meat is worth the effort, considering that there are already vegetarian alternatives to meat. Aren't tofurky and field roast good enough? Post and others note that such products haven't made a significant dent in the meat market, and are generally more expensive than the meat items they're meant to replace.
"If there is a vegetable-derived product that can take away the human being's craving for meat, that would be preferable," Post said.
Stanford University biochemist Patrick Brown says he's working on precisely that kind of stuff, and it could be on the market in the next year or so.
"We have a class of products that just totally rocks and cannot be distinguished from the animal-based product it replaces, even by hardcore foodies," he said. He promised that his plant-based alternatives to meat and dairy products would be tasty, nutritious ? and profitable.
"I think it's going to be one of the easier things I've done," he said.
Brown joked that he couldn't talk about the details, "because if I did, I'd have to kill you." He'd say only that he "had no trouble getting investment" from a Silicon Valley venture-capital firm. To commercialize the concept, two ventures have been set up with placeholder names: Sand Hill Foods and Jasper Ridge Creamery.
The way Brown sees it, the meat industry is a "sitting duck for disruptive technology," offering a rich target for alternatives. He said the wholesale market for unprocessed meat has been estimated at $150 billion a year, which is 250 times the current market for meat alternatives.
Even though Post said the meat industry has been generally standoffish about lab alternatives, some companies are going against the grain: Nicholas Genovese, a visiting scholar at the University of Missouri at Columbia, told journalists that JBS, one of the world's biggest meat-packing companies, was interested in his parallel effort to grow meat in the lab.
More about the future of food:
More from the AAAS meeting in Vancouver:
Last updated 7 p.m. ET.
Alan Boyle is science editor for msnbc.com. Connect with the Cosmic Log community by "liking" the log's Facebook page, following @b0yle on Twitter or?adding the Cosmic Log Google+ page?to your circles. You can also check out "The Case for Pluto," my book about the controversial dwarf planet and the search for new worlds.
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Monday, February 20, 2012
Read as well as find out Facts About Audiologist
If you have been going in circles with what you need about audiologist, then you are in store for a treat, .
We are all with the feelings of trying to find out about and not even being certain of what is . There is so much information , and honestly it can be finding and knowing what you can .
Probably just about knows all too well with the environment. What we will do for you is about some solid regarding this topic, and you will to have a firm of what to do next.
The Harry Lorayne Memory Power course happens to be training course developed by one of the world?s best known memory experts. Harry Lorayne is considered ?The Yoda of Memory Training? and most of his books ? many of which are now classics and bestsellers ? were written specifically to help common people improve their memories. In this evaluation, we?ll be looking at a complete memory course that includes many of his most powerful techniques.
You will find not one person more competent to teach you about memory than Harry Lorayne. A frequent guest on numerous tv shows, he appeared with Johnny Carson on The Tonight Show twenty-three times. He?s been renowned for his accomplishments in this field since the 1950s. One of his books, The Memory Book, was on the New York Times Bestseller list for nearly a year. Additionally, he carries a great reputation as a magician, whose area of expertise is card tricks. An example of his favorite ways of demonstrating his incredible memory was to have everybody in his audience ? sometimes as many as 1,500 people ? introduce themselves to him before the show. As soon as the show started, he would have everyone rise up and, as he named them correctly, they could then sit down. Nobody was actually left standing upright! If you want to enjoy a phenomenal memory ? and who doesn?t? ? you will be taught the techniques used by Harry Lorayne when you take his extraordinary course, The Harry Lorayne Memory Power course.
You will find so much subject matter that is covered in The Harry Lorayne Memory Power course. While you study the details, you may find your memory improving immensely. As a matter of fact, chances are you?ll receive a lot more information than you can ever hope to use ? or need. Just what do you get? The system is made up of four CDs (or cassettes) as well as a bonus DVD on Remembering Name. Also included are two add-ons, The Memory Makes Millionaires CD or cassette and the How to Remember Numbers DVD. The affordable price of just $149.95 will make this amount of information a real bargain. If you feel that this course is a lot more than you could ever need to know, do a search for some of the many books he?s written to find what you are looking for. You could perhaps stretch your budget by finding a used copy of the book that you are interested in or, perhaps, the paperback version. On Amazon, you can also acquire some of his publications for your Kindle.
Well, do you about that so far? You may already have that audiologist is a field with much to . You can find much in common with topical areas resembling this one. really know about any one because there are a lot of situations. Try your own unique which will help you refine what may be necessary. You will the rest of this article to the you have built up to this .
However, if you would like to become a memory authority, and learn all you can, buying the complete course is a good bargain.
Harry Lorayne coached many people and is also responsible for the education of corporate staff members, using his video course, ?Memory Power? as part of that training program. A very good memory is among the most important characteristics that a professional business person, or sales person, can have. Corporate and business leaders recognized this and had their staffs trained for top memory recall. If you have the capability of always recollecting a person?s name ? after meeting them only one time ? it will greatly enhance your business success and popularity. Consider it: when you meet somebody who remembers not only your name, your spouse?s name, your phone number, and other bits and pieces of personal information, you are astounded, and are more likely to do business with this person. Individuals today may think they can count on technology to remember everything, but most of us still frequently find ourselves in situations where we don?t have a chance to write something down or type the info into our smart phones.
In almost any area of your life that you happen to be interested in improving yourself, you will find books and information in the self-help section of your bookstore or online. Sadly, a lot of this information doesn?t specifically pertain to how to train your memory. And, whenever you do discover books and/or courses on training your memory, they have not been written or prepared by someone with the reputation and expertise of Harry Lorayne. The Harry Lorayne Memory Power system isn?t really for everybody, but it?s certainly worth purchasing if you?re seriously interested in making significant improvements in your ability to remember names, numbers and other important information.
laid the very basic for you in this article. You can spend weeks researching ENT and still not all the ground work. But you can gain the advantage with more in-depth . The good for you is that a amount of the has been done.
For the most natural to improve audiologist, then audiologist will show you how. Here is how to the caused by ENT, today.
Source: http://carrypermitmn.com/family/read-as-well-as-find-out-facts-about-audiologist
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Sunday, February 19, 2012
Operation Shower ? Sarah Michelle Gellar Throws Baby Shower for ...
Wednesday, as the golf pros warmed up and tried to stay dry for the Northern Trust Open at Riviera Country Club, 40 Military Moms were given a dream baby shower, Hollywood-Style, by Operation Shower. ?Sarah Michelle Gellar, mom to 2-year-old Charlotte, was the hostess and could not have been sweeter or more honored to be able to shower these deserving moms with amazing gifts at the ?A Star Is Born? themed event. These expectant moms, who either serve in the military themselves or have spouses that are deployed (or soon to be deployed), all received Operation Shower?s huge signature ?Shower In a Box?- which was overflowing with the hottest products for babies and mommies. ?Gifts included a baby carrier, stuffed animals, baby shoes and a Petunia Pickle Bottom diaper bag.
After lunch and a stop at the dessert bar, Michelle Penn performed her song ?Welcome Me Home?, which honors military members and their families. ?Then it was back to the presents.
No shower is complete without playing a game or two, and staying true to the ?A Star is Born? theme, this game was a Hollywood Awards Show style raffle ? with categories like Best Set Design winning one of three bedding sets donated by Carousel Designs. The PGA Wives Association gave books and?Rory Sabbatini and his wife donated (2) round trip tickets and (5) days anywhere in the USA for one lucky lady and her husband for their baby-moon. Then, NBA Legend Jerry West came up and did the same thing (but with a heavy suggestion that they come visit him in his home state of West Virginia) .
Sarah Michelle Geller and Pottery Barn Kids ended the event by giving all the moms a Pottery Barn crib!
Operation Shower (www.operationshower.org) is a non-profit organization dedicated to celebrating and honoring military families by providing joyful baby showers for military moms-to-be to ease the burden of deployment, or in cases where spouses are seriously injured. Since the organization?s inception in 2007, Operation Shower has showered more than 600 military moms from the Army, Navy, Air Force, Marines and National Guard on military bases, during PGA TOUR tournaments, and at other locations. Sponsors for this event included??Carousel Designs, Birdies for the Brave, Pottery Barn Kids & Northern Trust. Decor & Design was done by YourBASH! & Hostess with the Mostess. Food- Carls Jr. and?Dessert Bar- Sweets Indeed.
When Courtney isn?t crashing baby showers- she is out & about with her 2 crazy little boys and publishes www.santamonica.macaronikid.com ,a comprehensive listing of the coolest events to attend on the westside with your kids.
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Saturday, February 18, 2012
Md. House passes gay marriage bill
ANNAPOLIS, Md. (AP) ? Maryland appears ready to become one of a handful of states in the U.S. to legalize gay marriage after the bill to allow it passed a long-standing hurdle in the Maryland House of Delegates on Friday.
After courting the votes of a couple delegates initially opposed to the measure, House members voted 72-67 to pass the bill. An initial vote count suggested the measure passed with 71 votes, leaving out an affirmative from Delegate John Bohanan.
Next up is the Senate, which handily passed a similar bill last year. Gov. Martin O'Malley sponsored the bill and has pushed for gay marriage to be legalized. Approval would make Maryland the eighth state plus the District of Columbia to legalize the marriages, although opponents have vowed to petition the measure to referendum.
"Today, we took a giant step toward marriage equality becoming law ? and we are in this position due to the unwavering leadership and resolve of Governor O'Malley, Speaker (Michael) Busch and our legislative allies," Joe Solmonese, president of the Human Rights Campaign, said in a statement released Friday.
An amendment from Delegate Tiffany Alston, a Prince George's Democrat who previously opposed to the bill, was accepted by the members, a move opponents suggested secured her vote. It would keep the law from going into effect until any litigation related to a potential voters' referendum on the measure is processed.
The body also added an amendment Thursday evening, altering the effective date from October to January 2013.
Delegate Wade Kach, a Republican from Baltimore County, said earlier in that day that his support was contingent upon that amendment.
Throughout the week, several key lawmakers, including Kach and Republican Delegate Robert Costa, made pronouncements that after personal consideration they would support the legislation.
Opponents say the bill does not adequately protect religious freedoms and would force educators to teach about gay marriage in public schools.
Delegates rejected amendments to create civil unions, allow parents to opt out of education programs that address same-sex relationships, limit marriage for gay couples over 18 and to put the measure directly on the ballot.
Opponents argued that Democrats rushed the measure through without proper consideration of amendments once they knew there would be enough votes.
"We should not use brute force strength on such a weighty issue," said minority leader Anthony O'Donnell, R-Calvert.
Earlier in the week, opposition lawmakers criticized proponents for dragging their feet on the measure in order to have enough time to secure votes.
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Listen to New Tunes, Play a Trippy Space Shooter, and Poll the Masses [Video]
Source: http://feeds.gawker.com/~r/gizmodo/full/~3/5t4hIUaEPvA/
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Friday, February 17, 2012
Study finds one percent of human genes switched off (Reuters)
[unable to retrieve full-text content]Reuters - Scientists studying the human genome have found that each of us is carrying around 20 genes that have been completely inactivated, suggesting that not all switched-off genes are harmful to health.
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Levi's Fall 2012 Global Collection Preview | Style Flavors: Selective ...
PHOTO CREDIT:?Getty Images, Jamie McCarthy/Dimitrios Kambouris?/ PHOTO CREDIT: StarTraks, Albert Michael?
Yesterday night, The Levi?s? brand launched its first ever global collection during New York Fashion Week at SoHo?s landmark Mercer 82 event space. During the event ? a hybrid between custom-made vignettes featuring pinnacle products from the line and a runway show ? the Levi?s? brand showcased the key looks from its Fall/Winter 2012 collection.
Celebrity fans including Maria Menounos, Brad Goreski, Harley Viera Newton, Theophilus London, Jessica White, Zachary Levi and Byrdie Bellcame out to celebrate the brand?s new global collection.
?Levi?s? has always been about embracing the energy and events of our time. Today, fashion is more democratic and accessible than ever, making New York Fashion Week the perfect moment in time for the Levi?s? brand to launch our first global collection,? said Len Peltier, Global Vice President of Creative Direction.
The Levi?s? Fall/Winter 2012 collection is based on a more refined and tailored look, for both men and women. The designs were inspired by the idea of craftsmanship, honesty and authenticity ? honoring tradition while defying convention, redefining the norm and re-crafting and re-creating iconic Levi?s? styles.
Steeped in the authenticity and craftsmanship that the brand is known for, the collection is built around classic and refined styles with sharp clean aesthetics, which have been tailored to perfection.
The key trend for men this season is the tapered look, for a great flattering fit that sits just below the waist, is slouchy on the top and has a slim tailored leg.
For women, the key look for the season is the Bootcut Skinny, which the Levi?s? brand has completely reinvented. No longer your mother?s bootcut denim, this season will see the launch of this new take on a classic ? a sexy, modern skinny fit making you forever think differently about the bootcut.
I like the direction this collection took. There is a distinct flavor that is has rugged fused with a modern cool. The result is a wearable collection that is governed by slim silhouettes. Levi?s is also offering a 25% discount for purchases of US$100 and above. Simply use the code PRES25 when you checkout to enjoy the discount. Offer ends Monday.
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Source: http://www.styleflavors.com/levis-fall-2012-global-collection-preview/
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Thursday, February 16, 2012
Four TCU football players arrested for selling drugs (Reuters)
FORT WORTH, Texas (Reuters) ? Four Texas Christian University football players, including one All-American, were among 17 students arrested Wednesday morning as a result of a six-month investigation into illegal drug dealing on the Fort Worth campus.
The investigation is continuing and more student arrests are possible at the university, which has an enrollment of about 9,500, Fort Worth police and university officials said at a news conference on Wednesday.
Police said later Wednesday that one additional person was arrested for drug possession during the roundup. Police did not immediately say whether the 18th person arrested was a student.
The football players arrested were junior linebacker Tanner Brock, junior defensive tackle David "D.J" Yendrey; junior safety Devin Johnson and sophomore offensive tackle Ty Horn.
Brock is a standout player who was named a Phil Steele third-team All-American and a SportsIllustrated.com honorable-mention All-American. He registered nine tackles, including five solo tackles, in TCU's 21-19 win over Wisconsin in the 2011 Rose Bowl.
The 17 students arrested had sold drugs "hand-to-hand" to undercover officers, TCU Police Chief Steve McGee said. Drugs sold to officers included marijuana, cocaine, ecstasy and a variety of prescription drugs.
The four football players are accused of selling marijuana to officers.
The investigation was prompted by complaints from students, parents and community members, officials said.
The arrested students were immediately removed from campus and face possible expulsion, officials said.
"TCU has never before experienced a magnitude of student arrest such as this," Chancellor Victor Boschini said in a statement. "In fact, campus police records show only five student arrests related to drug law violations in recent years."
Fort Worth Police Capt. Ken Dean said three of the 17 students were arrested on campus and the rest were arrested off campus.
Boschini said this is not a football problem but a student problem.
The TCU Horned Frogs football team has been one of the best in the nation in recent years and finished the 2011 season ranked No. 13 in the USA Today poll. TCU is set to join the powerful Big 12 Conference in July.
"As I heard the news this morning, I was first shocked, then hurt and now I'm mad," TCU head football coach Gary Patterson said in a statement.
(Editing by Corrie MacLaggan and Greg McCune)
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Sunday, February 12, 2012
Do horses need blankets in winter?
If you have a horse, please read this?great article by?Natalija Aleksandrova on the effects we can have on our horses? natural temperature regulation systems when we blanket them in winter. And please share this with your friends who have horses.
The article will probably also interest anyone who is concerned with the notion of offering our pets a life as closely matched to their natural requirements as possible. It is actually a good follow up to the previous post on this blog about dogs, cats, and leashes. Aside from the obvious lack of freedoms we impose on our pets, our actions in trying to assimilate them into our human world can have unintended (and often unknown to us until it?s too late) negative consequences on their physical and mental health.
In the comments section, please share what you have learned about and your experiences with ?species-appropriate pet-keeping?.
? Melissa
Source: http://www.animaliainternational.com/?p=1025
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Thursday, February 9, 2012
Umbrella Scheme Insurance More Information ? Information ...
When you find yourself struggling with individuals unforeseen situations loss, youll obviously have confidence in bought insurance coverage to maintain the prices authorized settlements. Having said that, there may be a good terrific chances that your insurance coverage handle dont function. youll need to cope with every thing all on your own. We have an selection for like situations. You can aquire outdoor patio umbrella scheme insurance coverage. outdoor patio umbrella insurance coverage is but one, vitamin supplements the protection, which can be offered by your regular insurance coverage. It truly is, to put it briefly, an extra authorized Rhode Island Insurance to safeguard negotiation within your settlement boasts as well as check within your liabilities. outdoor patio umbrella scheme manage boasts, which might be dismissed insurance policies. On account of like rewards, it has become imperative for virtually any frequent personal to purchase a wonderful outdoor patio umbrella scheme insurance coverage. It truly is, often, more efficient compared to the surplus insurance policies, companies typically offer you. Excessive insurance policies operate if the insurance coverage insurance policies have been weary with their gains. outdoor patio umbrella scheme gives you adequate insurance, during arsenic intoxication insurance policies. If theyre insufficient to give symptoms authorized health expenses, outdoor patio umbrella replace deficiency. outdoor patio umbrella scheme so extremely important. Occasionally, much of your bought insurance policies couldnt survive in a position geared up protected wholly. For instance, motor vehicle insurance coverage could be unable to protected with the expenses vehicle repairs repair of the auto. outdoor patio umbrella insurance coverage scheme gives you like expenses. your organization small business may suffer
Have you ever always wanted to uncover more the benefits of remaining expense insurance coverage, maybe you were not quite sure where to start Very first, permit me to demonstrate a bit more about what just such type of insurance coverage if you is probably not everything that experienced with Final expense insurance coverage is really a specific variety of insurance coverage that you can purchase so that when they kick the bucket at some point, burial funeral expenses will be taken care of from the insurance coverage corporation. insurance coverage they can double that can help pay the balance of health Tennessee Insurance or another financial obligations that you leave following passing. There are actually a multitude of gains to purchasing such type of insurance coverage. To begin with, just think about peace of mind it might both you and your loved ones knowing that your final expenses will be taken care of. Naturally, Almost certainly for you to all your family members to achieve lots of stress as a consequence of having to struggle to scrape a number of income alongside one another for ones burial expenses together with in order to financial obligations for you to however will owe. As it is, death without any doubt already be a highly tough time on their behalf because they certainly grieving through the losing of Having said that, if you opt for remaining expense insurance coverage, at the least all your family members gained also have to take care of additional financial stress at the time of death. Floor tile cleaning taking insurance coverage for ones remaining expenses is that often a percentage they can double in order to provide a charity gift anyone. Most likely you will find a distinct charity there is generally desired. If so, then you can certainly section of insurance coverage to give business
Whether some may be an element professional photographer, obtaining camera pieces of equipment is incredibly high priced. Besides will be the primary expense too expensive, but also for lots of, obtaining correct devices as well as its provides could be cumbersome. Having said that, if youre an efficient photographer, insuring pieces of equipment within residence insurance coverage might not exactly give you enough insurance. Thus, if you cannot afford to purchase people, must a thing happen, you will need to reflect on insurance coverage avenues, specifically camera Insurance Massachusetts Additionally, you will observe that lumination criminals thieves typically targeted like objects due to their modest size top quality. What this means is you will find a higher risk bodyweight respected ownership. Having said that, due the simplicity of these units, persons opt to cover in the existing residence content material scheme. According to experts, it is important to cover the equipment via a professional service. Based on how a person works by using the equipment, consequently like a hobby as an approach of greenbacks, the two strategies accessible for insuring pieces of equipment, inexperienced specialized camera insurance coverage. As there are numerous programs obtainable, it really is important to discover handle tailored models specific needs. By way of example, it really is feasible to get cover for globally consumption community the liability. Nonetheless, you will need to cautiously check out information the insurance plan as a way to determine that youre spending most effective insurance. Keep in mind, covers are given within sessions. Youll be able to therefore acquire specialized inexperienced handle
Source: http://www.informatiearchitectuur.eu/umbrella-scheme-insurance-more-information/
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Wednesday, February 8, 2012
How To Use Training Schools To Launch Your Career
[unable to retrieve full-text content]How To Use Training Schools To Launch Your Career. February 7, 2012 | Author: tyleh6wnob | Posted in REFERENCE & EDUCATION. Training schools offer mature students the opportunity to train for a new vocation at any phase of their life, either on site or through the new possibilities offered by on-line learning. They're regarded as to be most suitable for those who have just finished high school, however depending on the individual center they might be open to anyone. Among ...
Source: http://articles.businessflips.com/how-to-use-training-schools-to-launch-your-career
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Study: Family Intervention, Parent Education Reduce Childhood ...
A study published in the February issue of Pediatrics shows family intervention aimed at improving parenting skills reduced behavior problems in kids and obesity and associated health problems. One-third of Americans, including children ages 2 to 17, are overweight or obese, according to the Centers for Disease Control and Prevention statistics. Here are details about parent-child interventions.
* Family interventions with children who are obese became a hot topic when several overweight kids were removed from their homes and placed in foster care last year. In July, Reuters reported on Harvard professor and pediatrician Dr. David S. Ludwig, who wrote an article advising "family intervention" for morbidly obese kids that included taking them from their parents and placing them in foster care.
* Though obesity is a growing problem, taking kids from their homes for being overweight is an arguably unethical and illegal family intervention, says the CDC. The scope of parental rights and responsibilities and definition of child abuse and neglect pose dilemmas. The Academy of Nutrition and Dietetics compares several options, including home visits and parental education strategies. Some therapies teach parents and kids how to collaborate on health concerns, nutrition and weight loss issues.
* In an effort to understand whether family intervention helps with childhood obesity and what kinds of intervention work best, the Pediatrics study followed 186 minority children beginning at age 4 who were at risk for behavior problems and health issues.
* Family Intervention aimed to improve parenting skills and help kids manage their behavior; it did not address physical health. After five years, children in families who received intervention had lower body mass indexes, fewer blood pressure problems and sedentary behavior issues, higher activity levels and improved health behaviors overall.
* Study authors concluded family intervention that includes parental effectiveness training and behavior management strategies for children contributes to a reduction in weight problems and health issues later in life.
Marilisa Kinney Sachteleben writes about parenting concerns from 23 years raising four children and 25 years teaching K-8, special needs, adult education and home-school.
Source: http://www.asthmapoint.com/general-health/study-family-intervention-parent-education-reduce-childhood-obesity-contributornetwork/
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Source: http://takylaov.posterous.com/study-family-intervention-parent-education-re
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PowerInbox, The Service That Turns Emails Into Apps, Launches API
PowerInbox, the email platform that lets you run apps for Facebook, Twitter, Groupon and Google+ inside your inbox, is today announcing the launching of its API. With this addition, companies that want to make their own emails interactive can now do so. Kicking off the launch, PowerInbox signed up ten partners who used the API to build email apps across several verticals including video, shopping, games and more.Source: http://feedproxy.google.com/~r/Techcrunch/~3/ST4l_SAh06M/
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Student loans and their types Credit Friendly Finance ? Blog Archive
A student loan is a loan given out to students to finance either partly or fully, their higher education. Many students who cannot afford to pay for their education resort to taking out a student loan. There is no denying that student loans assist people to continue their education. But at the same time, there is also no denying that many people are unable to pay back their student loans and get caught up in debt as a result.
Before you go get a student loan, remember to analyze your own financial position and be very sure that you can repay the loan back later on. These are difficult times, and getting a job after graduation may not be easy. This is why, federal student loans should be the first port of call. Coming from the government, their terms are rather more lenient compared to other types of student loans.
Finance
Other types of federal student loans include the Stafford and Perkin loans. These two offer very low interest rates, and you can repay the loan back after you graduate, not before. You can also get your parents to apply for a PLUS loan if that were possible. PLUS loans are meant for parents to apply on behalf of their children.
Tags: get a student loan, student loans
Posted February 7, 2012 by John under Career, Expenses, Financial Services, Loans
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Source: http://www.creditfriendlyfinance.com/student-loans-types/
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