Wednesday, August 29, 2012

Murray into US Open second round

NEW YORK (Reuters) - Some two dozen topless women protested in a New York City park on a hot, sweaty Sunday as part of what they called "National Go-Topless Day" to draw attention to inequality in topless rights between men and women. There were topless men in the park, too, but nobody paid them much attention, a disparity, organizers said, that demonstrated the need for the event. The topless women drew crowds of onlookers who took pictures and video with their cell phones. ...

Source: http://news.yahoo.com/murray-us-open-second-round-211325844--ten.html

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Bright Arctic clouds formed by exhaust from final space shuttle launch

ScienceDaily (Aug. 28, 2012) ? Naval Research Laboratory scientist Dr. Michael Stevens is leading an international consortium of scientists in tracking the rapid transport of the exhaust plume from the final launch of the space shuttle in July 2011. The team has found that the plume moved quickly to the Arctic, forming unusually bright polar mesospheric clouds (PMCs) there a day after launch.

Understanding the rapid transport of high altitude exhaust plumes near 105 km is providing new insight into the effects of winds at the bottom edge of the space weather regime towards improved forecasts of the co-located E-region of the ionosphere. This knowledge is critical for improving models of communication signal propagation and over-the-horizon-radar, explains Dr. Stevens, a Research Physicist in NRL's Space Science Division. Current theories suggest that the plumes are rapidly transported because of narrow, high-speed wind shears. These wind shears are also linked to the occurrence of so-called Sporadic E events, thus establishing a possible link between plume transport and the lower ionosphere.

During every launch, the space shuttle injects about 350 tons of water vapor from its three main engines off the east coast of the United States between 100 and 115 km altitude. Many studies have now shown that the poleward transport of this water vapor is much faster than global-scale models predict, and a few have furthermore shown that bursts of PMCs near 83 km altitude can result. These observations are forcing researchers to reexamine their understanding of global wind patterns in the lower thermosphere.

The long-term PMC record is also likely to be modified by increased space traffic, which is important because PMCs have been implicated as indicators of upper atmospheric climate change, explains Dr. Stevens. By assembling a suite of satellite and ground-based observations following the space shuttle's final launch, the NRL-led research team has revealed the nature of these shuttle clouds for the first time. The observations from both European and American collaborators show not only the rapid poleward transport of the plume and ensuing PMC formation, but that shuttle clouds are brighter than over 99% of all other PMCs and that the ice particles are larger at higher altitudes, which is the opposite of conventional models.

By allowing researchers to distinguish the shuttle PMCs from more typical clouds, these results will ultimately enable a search of the historical record to separate the anthropogenic PMCs from the natural PMCs.

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The above story is reprinted from materials provided by Naval Research Laboratory.

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


Journal Reference:

  1. Michael H. Stevens, Lance E. Deaver, Mark E. Hervig, James M. Russell, David E. Siskind, Patrick E. Sheese, Edward J. Llewellyn, Richard L. Gattinger, Josef H?ffner, B. T. Marshall. Validation of upper mesospheric and lower thermospheric temperatures measured by the Solar Occultation for Ice Experiment. Journal of Geophysical Research, 2012; 117 (D16) DOI: 10.1029/2012JD017689

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

Disclaimer: Views expressed in this article do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/~3/_hp1Xq0_T9Q/120828135103.htm

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Tuesday, August 28, 2012

Vitamin B12 deficiency: Tracing the causes

ScienceDaily (Aug. 27, 2012) ? Vitamin B12 is vital. In collaboration with colleagues from Canada, Germany and the United States, researchers from Zurich's University Children's Hospital and the University of Zurich have succeeded in decoding a novel cause of hereditary vitamin B12 deficiency. They have discovered an important gene that determines how vitamin B12 gets into cells. Their discovery enables the diagnosis and treatment of this rare genetic disease.

Vitamin B12 is vital for cell division, the synthesis of red blood cells and the functioning of the nervous system. Unable to produce the vitamin itself, the human body has to obtain it via animal proteins. So far it has been known that on its way into the cell vitamin B12 is absorbed by little organelles, so-called lysosomes. From there, the vitamin enters the cell interior with the aid of the transport protein CblF, which was discovered by the same research team three years ago. The researchers now show that a second transport protein is actually necessary for this step, thus providing evidence of another cause of hereditary vitamin B12 deficiency.

Gene mutation prevents transport of vitamin B12

The scientists in Switzerland and Canada each examined an individual patient with symptoms of the CblF gene defect, yet without an actual defect in this gene. Using different methods, including sequencing all the coding segments of the genetic information, they were able to identify two mutations in the same gene in both patients.

The gene in question encodes the protein ABCD4, which was previously known as an ABC transporter in other cell organelles, albeit with an insufficiently defined function. It is now clear that it is a vitamin B12 transporter: "We were able to detect ABCD4 in the lysosomes of human skin cells -- right next to the already known CblF protein" explains Matthias Baumgartner, a professor of metabolic diseases at Zurich's University Children's Hospital. By adding intact ABCD4 protein to the patients' cells, the researchers were able to rescue the vitamin B12 transport and compensate for the genetic defect. "We also discovered that a targeted change in the ATP binding site of ABCD4 triggered a loss of function," says Baumgartner. Thus both ABCD4 and CblF proteins are responsible for the transfer of vitamin B12 from the lysosomes into the cell interior, and ATPase activity is involved. Baumgartner concludes: "The results obtained enable the diagnosis and treatment of this hereditary vitamin B12 deficiency."

This work was funded by the Swiss National Science Foundation (SNF) and by the Canadian Institutes of Health Research and by the Deutsche Forschungsgemeinschaft.

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The above story is reprinted from materials provided by University of Zurich, via AlphaGalileo.

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


Journal Reference:

  1. David Coelho, Jaeseung C Kim, Isabelle R Miousse, Stephen Fung, Marcel du Moulin, Insa Buers, Terttu Suormala, Patricie Burda, Michele Frapolli, Martin Stucki, Peter N?rnberg, Holger Thiele, Horst Robenek, Wolfgang H?hne, Nicola Longo, Marzia Pasquali, Eugen Mengel, David Watkins, Eric A Shoubridge, Jacek Majewski, David S Rosenblatt, Brian Fowler, Frank Rutsch, Matthias R Baumgartner. Mutations in ABCD4 cause a new inborn error of vitamin B12 metabolism. Nature Genetics, 2012; DOI: 10.1038/ng.2386

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

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

Source: http://feeds.sciencedaily.com/~r/sciencedaily/health_medicine/genes/~3/Ga-Sgb4fOts/120827074146.htm

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New Real Estate Train Wreck Coming: Securitized Rentals ? naked ...

No matter how bad things get, it turns out they can always get worse. Wall Street is about to foist a new ?innovation? on investors that even the ratings agencies won?t touch.

Greedy, reckless, and just plain lazy mortgage originators, servicers, and trustee took what was actually a not unreasonable idea, that of mortgage securitizations, and turned it into a loss-bomb. Remember, that movie did not have to end badly. First, participants in the private label mortgage securitization market did for the most part comply with the requirements of their contracts for the first decade plus of that product?s existence. It was their wanton disregard for their own products which have led to the chain of title mess and difficulties in foreclosing that still plagues that market. Second, securitization markets that developed later than the US market (most notably, in of all places Russia and Eastern Europe) and featured some improvements on the US template have not seen the abuses of borrowers and investors suffered here and got through the global downturn reasonably well. However, the sell side has completely refused to implement the sort of reforms necessary to make the product safe for investors. So the US mortgage is and is likely to remain on government life support for the next decade.

So what have the ?innovators? decided to do? Foist an even worse product on hapless investors. Remember, mortgage securitizations in concept are a decent idea and with proper protections, fees, and incentives, can be a useful and attractive product. Securitizing rental income streams for a large number of single family homes is a completely different proposition. The concept is clearly still being fleshed out, since a story on it in Reuters was unclear as to whether the ?bonds? would also be entitled to the proceeds of the eventual sale of the house. I imagine that the private equity investors who are targeting this market are pushing for that, since fobbing off the problem of the home sale to the securitized vehicle is tantamount to a full cashout. They?d get initial tenants in, no matter how good or bad, and effectively flip the house to the securitization.

The newly-found convervatism of the ratings agencies may (stress only may) put a damper on this market. The ratings agencies are not willing to rate the initial deals, and want to see some history before they hazard a rating. Even then, some regard this product as sufficiently risky so as not to merit high ratings even if it were to become established. From Reuters:

Over the past three months, Fitch, S&P, DBRS and Morningstar have each published initial assessments of the potential risks of the new asset class. But no agency has yet published official criteria for the product.

Fitch said that such transactions are unlikely to merit a rating above Single A ? and even that would require sufficient historical rental-payment data or a solid record from the property?s operator/manager.

Moody?s issued its first report on the subject on Thursday, but said that since it had not seen a formal proposal yet, it was too early to tell exactly what rating it would assign a transaction. However, it noted that even extra credit enhancement would not mitigate a lack of historical rental-payment data, and therefore some transactions might not merit top grades.

?We would like to see the specific underwriting criteria that the operator is using to choose these tenants,? Kruti Muni, a Moody?s analyst, told IFR.

?Obviously the operators would rely on income information, the existence of security deposits, history of utility payments, etc. The diversity of the geography of the pools of homes is significant as well.?

Moody?s also said that before assigning a rating, it would need to know detailed information about the operator, and would conduct a review of the operator?s performance, its experience and its ability to perform its role in the transaction, which includes determining tenant default rates and re-leasing periods.

As Dave Dayen notes:

It?s simply incredible that, even with so many variables involved, Fitch would give these deals something even as high as single-A. You need data on default rates, vacancy periods, the impact of local economic forces on rentals, the various property managers and operators who would be handling the rental units in the deal, etc., etc?

There?s just no reason to believe that hedge funds and PE firms with no history of being landlords will be able to ensure a steady stream of revenue out of this. Moreover, one economic shock could blow up this market as easily as the housing bubble popped. We already know that the US economy is due to take a step back in 2013 at best, if not a full-blown recession as a result of the fiscal cliff. Add that into the mix with 9% unemployment or above (the expected range in the event of a recession), and suddenly hundreds of thousands if not millions of Americans fall behind on their rent. The securities start to sour. And this could become a full-blown financial crisis just like in 2007-2008.

To amplify Dayen?s concerns, this looks like an effort to fob risk off onto yield-despterate investors. Rental markets are tight now, precisely due to how many homes are behind held in REO inventories or have had the homeoweners leave, yet the servicer had not actually had the trust take title to the home. But those former owners need housing, so we have a real estate version of musical chairs, with families looking for rentals before the forecloses homes have been converted to rentals. Once the conversion process is further along, it isn?t hard to imagine that rent rates will be lower in many markets and vacancy periods will be longer. Similarly, some homeowners lost their houses due to financial stress. Some of them may not even be able to make their rent payments reliably. We saw how in the 2006-2007 period, mortgage were securitized even when the borrower had defaulted in the first three months. It isn?t hard to imagine that we will see equally weak tenant rental streams sold into these securitizations.

The other looming horrorshow is, if you think mortgage servicers were unresponsive, consider how bad rental securitization servicers are likely to be. Their incentives will be to delay in responding to tenant problems in the hope that the tenant will spend the time and money required. And God only knows what happens if they apply payments incorrectly, a not-infrequent problem. One difference here is that mismanaged rentals pose a threat to the home value of the neighbors, and here, the local community does have some recourse, in that it can impose minimum rental standards, which would provide tenants with some recourse. If some communities were to go that route, it might lead to enough uncertainty regarding rental costs and income so as to deter the ratings agencies from ever assigning ratigns, which would presumably limit the size of this product considerably.

As with mortgages, the impulse of the financial community is to find even more ways to skim fees off the top of income streams and leave investors holding the bag. And if investors are dumb enough to be fooled again, after the disaster of mortgage securitizations, they will have gotten what they deserve.

Source: http://www.nakedcapitalism.com/2012/08/new-real-estate-train-wreck-coming-securitized-rentals.html

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Helpful Advice About Making A Commercial Real Estate Deal ...

Commercial real estate ownership can bring huge profits and has the ability to grow your wealth. However, it is not for everyone, because of the large stakes and investments involved.

When you are getting a loan for your commercial property, make sure you obtain a good attorney that will explain all details to you. If something horrible happens when you are dealing with real estate, the right attorney can make a world of difference.

Start posting on a blog to give yourself an expert reputation. Putting up a blog will also help you find lessees or buyers for your commercial properties as well.

Always remain calm and patient when dealing with the commercial real estate market. Don?t invest in a hurry. You?ll regret it quickly if your lack of research results in a property without much re-sale value. It could take as long as a year to find the right investment in your market.

You should negotiate if you are the seller or the buyer. Fight for the best price possible and make sure that all parties involved listen to you.

When you are looking at multiple properties, get a tour site checklist. Determine which properties initially make the cut, but once you do, let those property owners know. Don?t hesitate to let it be known that you are entertaining other options. It might lead to a better deal.

You need to figure in the possibility of inflation when investing in real estate. Just a few years ago, most contracts protected you from inflation by locking you in at a certain interest rate. If you do not plan for inflation or cover it in your contract, then you are at significant risk.

Have your business needs in line before looking for commercial real estate! Know what type of office space that you need to have. If you have plans for future expansion, it is in your best interest to purchase a larger space that can accommodate future growth. If the market is currently low, this can save you a great deal of money.

Try sending a newsletter about your commercial property, or post fresh content on a networking site. After you have finished a deal, don?t vanish from sight online.

Thoroughly tour every potential property. Think about taking a contractor that?s a professional with you while you check out different properties. Decide on an initial offer and start negotiations. Take your time and really explore your offers before you decide to buy or pass.

You need to understand that investing in smaller complexes means more hassle, and some experts recommend avoiding these properties to avoid the hassle. Instead, you should look for complexes that have more than 10 units. Look into your unique situation to make the best decision.

Focus on only one investment at the same time. Concentrate on one particular type of commercial real estate at any given time, whether it be office blocks or retail space, for example. Your undivided attention will be need to maintain each of these types of property. You?ll make more money if you know everything about one type of property as opposed to a little about many different types.

A commercial loan usually requires a higher down payment when compared to a residential loan. Try to locate the best lenders; then try asking for any quality investments. Both of these are a great way for you to increase your changes of qualifying for a commercial loan.

If you are looking to get financing for your real estate goals be sure to have your business and personal financial statements on hand for review. If you don?t have these, financial institutions are unable to determine your fiscal responsibility, meaning they?re within reason to pass you over.

You can definitely gain a lot of money from commercial real estate, money that can keep you and your loved ones happy for years to come. Major investments of both time and money are required to ensure your success. Use the ideas found in this article in your strategies and you?ll be on your way to amazing

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Source: http://californiapropertyrealtor.com/helpful-advice-about-making-a-commercial-real-estate-deal/

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Saturday, August 25, 2012

Neil Armstrong, the first man on the moon, dies at 82

CINCINNATI (AP) ? Neil Armstrong was a soft-spoken engineer who became a global hero when as a steely-nerved pilot he made "one giant leap for mankind" with a small step onto the moon. The modest man, who had people on Earth entranced and awed from almost a quarter-million miles away, but credited others for the feat, died Saturday. He was 82.

Armstrong died following complications resulting from cardiovascular procedures, his family said in a statement. Armstrong had had a bypass operation this month, according to NASA. His family didn't say where he died; he had lived in suburban Cincinnati.

Armstrong commanded the Apollo 11 spacecraft that landed on the moon July 20, 1969, capping the most daring of the 20th century's scientific expeditions. His first words after becoming the first person to set foot on the surface are etched in history books and the memories of those who heard them in a live broadcast.

"That's one small step for man, one giant leap for mankind," Armstrong said.

(Armstrong insisted later that he had said "a'' before man, but said he, too, couldn't hear it in the version that went to the world.)

In those first few moments on the moon, during the climax of a heated space race with the Soviet Union, Armstrong stopped in what he called "a tender moment" and left a patch to commemorate NASA astronauts and Soviet cosmonauts who had died in action.

"It was special and memorable but it was only instantaneous because there was work to do," Armstrong told an Australian television interviewer this year.

Armstrong and Buzz Aldrin spent nearly three hours walking on the lunar surface, collecting samples, conducting experiments and taking photographs.

"The sights were simply magnificent, beyond any visual experience that I had ever been exposed to," Armstrong once said.

The moonwalk marked America's victory in the Cold War space race that began Oct. 4, 1957, with the launch of the Soviet Union's Sputnik 1, a 184-pound satellite that sent shock waves around the world.

Although he had been a Navy fighter pilot, a test pilot for NASA's forerunner and an astronaut, Armstrong never allowed himself to be caught up in the celebrity and glamour of the space program.

"I am, and ever will be, a white socks, pocket protector, nerdy engineer," he said in 2000 in one of his rare public appearances. "And I take a substantial amount of pride in the accomplishments of my profession."

Fellow Ohioan and astronaut John Glenn, one of Armstrong's closest friends, recalled Saturday how Armstrong was down to the last 15 seconds to 35 seconds of fuel when he finally brought the Eagle down on the Sea of Tranquility.

"That showed a dedication to what he was doing that was admirable," Glenn said.

A man who kept away from cameras, Armstrong went public in 2010 with his concerns about President Barack Obama's space policy that shifted attention away from a return to the moon and emphasized private companies developing spaceships. He testified before Congress, and in an email to The Associated Press, Armstrong said he had "substantial reservations," and along with more than two dozen Apollo-era veterans, he signed a letter calling the plan a "misguided proposal that forces NASA out of human space operations for the foreseeable future."

Armstrong was among the greatest of American heroes, Obama said in a statement.

"When he and his fellow crew members lifted off aboard Apollo 11 in 1969, they carried with them the aspirations of an entire nation. They set out to show the world that the American spirit can see beyond what seems unimaginable ? that with enough drive and ingenuity, anything is possible," Obama said.

Obama's Republican opponent Mitt Romney echoed those sentiments, calling Armstrong an American hero whose passion for space, science and discovery will inspire him for the rest of his life.

"With courage unmeasured and unbounded love for his country, he walked where man had never walked before. The moon will miss its first son of earth," Romney said.

NASA Administrator Charles Bolden recalled Armstrong's grace and humility.

"As long as there are history books, Neil Armstrong will be included in them, remembered for taking humankind's first small step on a world beyond our own," Bolden said in a statement.

Armstrong's modesty and self-effacing manner never faded.

When he appeared in Dayton in 2003 to help celebrate the 100th anniversary of powered flight, he bounded onto a stage before 10,000 people packed into a baseball stadium. But he spoke for only a few seconds, did not mention the moon, and quickly ducked out of the spotlight.

He later joined Glenn, by then a senator, to lay wreaths on the graves of Wilbur and Orville Wright. Glenn introduced Armstrong and noted it was 34 years to the day that Armstrong had walked on the moon.

"Thank you, John. Thirty-four years?" Armstrong quipped, as if he hadn't given it a thought.

At another joint appearance, the two embraced and Glenn commented: "To this day, he's the one person on earth I'm truly, truly envious of."

Armstrong's moonwalk capped a series of accomplishments that included piloting the X-15 rocket plane and making the first space docking during the Gemini 8 mission, which included a successful emergency splashdown.

In the years afterward, Armstrong retreated to the quiet of the classroom and his southwestern Ohio farm. Aldrin said in his book "Men from Earth" that Armstrong was one of the quietest, most private men he had ever met.

In the Australian interview, Armstrong acknowledged that "now and then I miss the excitement about being in the cockpit of an airplane and doing new things."

At the time of the flight's 40th anniversary, Armstrong again was low-key, telling a gathering that the space race was "the ultimate peaceful competition: USA versus U.S.S.R. It did allow both sides to take the high road with the objectives of science and learning and exploration."

Glenn, who went through jungle training in Panama with Armstrong as part of the astronaut program, described him as "exceptionally brilliant" with technical matters but "rather retiring, doesn't like to be thrust into the limelight much."

Derek Elliott, curator of the Smithsonian Institution's U.S. Air and Space Museum from 1982 to 1992, said the moonwalk probably marked the high point of space exploration.

The manned lunar landing was a boon to the prestige of the United States, which had been locked in a space race with the former Soviet Union, and re-established U.S. pre-eminence in science and technology, Elliott said.

"The fact that we were able to see it and be a part of it means that we are in our own way witnesses to history," he said.

The 1969 landing met an audacious deadline that President John F. Kennedy had set in May 1961, shortly after Alan Shepard became the first American in space with a 15-minute suborbital flight. (Soviet cosmonaut Yuri A. Gagarin had orbited the Earth and beaten the U.S. into space the previous month.)

"I believe this nation should commit itself to achieving the goal, before the decade is out, of landing a man on the moon and returning him safely to Earth," Kennedy had said. "No single space project in this period will be more impressive to mankind, or more important to the long-range exploration of space; and none will be so difficult or expensive to accomplish."

The end-of-decade goal was met with more than five months to spare. "Houston: Tranquility Base here," Armstrong radioed after the spacecraft settled onto the moon. "The Eagle has landed."

"Roger, Tranquility," Apollo astronaut Charles Duke radioed back from Mission Control. "We copy you on the ground. You've got a bunch of guys about to turn blue. We're breathing again. Thanks a lot."

The third astronaut on the mission, Michael Collins, circled the moon in the mother ship Columbia 60 miles overhead while Armstrong and Aldrin went to the moon's surface.

Collins told NASA on Saturday that he will miss Armstrong terribly, spokesman Bob Jacobs tweeted.

In all, 12 American astronauts walked on the moon from 1969 to the last moon mission in 1972.

For Americans, reaching the moon provided uplift and respite from the Vietnam War, from strife in the Middle East, from the startling news just a few days earlier that a young woman had drowned in a car driven off a wooden bridge on Chappaquiddick Island by Sen. Edward Kennedy. The landing occurred as organizers were gearing up for Woodstock, the legendary three-day rock festival on a farm in the Catskills of New York.

Armstrong was born Aug. 5, 1930, on a farm near Wapakoneta in western Ohio. He took his first airplane ride at age 6 and developed a fascination with aviation that prompted him to build model airplanes and conduct experiments in a homemade wind tunnel.

As a boy, he worked at a pharmacy and took flying lessons. He was licensed to fly at 16, before he got his driver's license.

Armstrong enrolled in Purdue University to study aeronautical engineering but was called to duty with the U.S. Navy in 1949 and flew 78 combat missions in Korea.

After the war, Armstrong finished his degree from Purdue and later earned a master's degree in aerospace engineering from the University of Southern California. He became a test pilot with what evolved into the National Aeronautics and Space Administration, flying more than 200 kinds of aircraft from gliders to jets.

Armstrong was accepted into NASA's second astronaut class in 1962 ? the first, including Glenn, was chosen in 1959 ? and commanded the Gemini 8 mission in 1966. After the first space docking, he brought the capsule back in an emergency landing in the Pacific Ocean when a wildly firing thruster kicked it out of orbit.

Armstrong was backup commander for the historic Apollo 8 mission at Christmastime in 1968. In that flight, Commander Frank Borman, Jim Lovell and Bill Anders circled the moon 10 times, paving the way for the lunar landing seven months later.

Aldrin said he and Armstrong were not prone to free exchanges of sentiment.

"But there was that moment on the moon, a brief moment, in which we sort of looked at each other and slapped each other on the shoulder ... and said, 'We made it. Good show,' or something like that," Aldrin said.

An estimated 600 million people ? a fifth of the world's population ? watched and listened to the landing, the largest audience for any single event in history.

Parents huddled with their children in front of the family television, mesmerized by what they were witnessing. Farmers abandoned their nightly milking duties, and motorists pulled off the highway and checked into motels just to see the moonwalk.

Television-less campers in California ran to their cars to catch the word on the radio. Boy Scouts at a camp in Michigan watched on a generator-powered television supplied by a parent.

Afterward, people walked out of their homes and gazed at the moon, in awe of what they had just seen. Others peeked through telescopes in hopes of spotting the astronauts.

In Wapakoneta, media and souvenir frenzy was swirling around the home of Armstrong's parents.

"You couldn't see the house for the news media," recalled John Zwez, former manager of the Neil Armstrong Air and Space Museum. "People were pulling grass out of their front yard."

Armstrong, Aldrin and Collins were given ticker tape parades in New York, Chicago and Los Angeles and later made a 22-nation world tour. A homecoming in Wapakoneta drew 50,000 people to the city of 9,000.

In 1970, Armstrong was appointed deputy associate administrator for aeronautics at NASA but left the following year to teach aerospace engineering at the University of Cincinnati.

He remained there until 1979 and during that time bought a 310-acre farm near Lebanon, where he raised cattle and corn. He stayed out of public view, accepting few requests for interviews or speeches.

"He didn't give interviews, but he wasn't a strange person or hard to talk to," said Ron Huston, a colleague at the University of Cincinnati. "He just didn't like being a novelty."

Those who knew him said he enjoyed golfing with friends, was active in the local YMCA and frequently ate lunch at the same restaurant in Lebanon.

In 2000, when he agreed to announce the top 20 engineering achievements of the 20th century as voted by the National Academy of Engineering, Armstrong said there was one disappointment relating to his moonwalk.

"I can honestly say ? and it's a big surprise to me ? that I have never had a dream about being on the moon," he said.

From 1982 to 1992, Armstrong was chairman of Charlottesville, Va.-based Computing Technologies for Aviation Inc., a company that supplies computer information management systems for business aircraft.

He then became chairman of AIL Systems Inc., an electronic systems company in Deer Park, N.Y.

Armstrong married Carol Knight in 1999, and the couple lived in Indian Hill, a Cincinnati suburb. He had two adult sons from a previous marriage.

Armstrong's is the second death in a month of one of NASA's most visible, history-making astronauts. Sally Ride, the first American woman in space, died of pancreatic cancer on July 23 at age 61.

One of the NASA's closest astronaut friends was fellow Ohioan and Mercury astronaut Glenn, the first American to orbit the Earth.

Just prior to the 50th anniversary of Glenn's orbital flight this past February, Armstrong offered high praise to the elder astronaut and said that Glenn had told him many times how he wished he, too, had flown to the moon on Apollo 11. Glenn said it was his only regret.

Noted Armstrong in an email: "I am hoping I will be 'in his shoes' and have as much success in longevity as he has demonstrated." Glenn is 91.

At the Griffith Observatory in Los Angeles on Saturday, visitors held a minute of silence for Armstrong. For anyone else who wanted to remember him, his family's statement made a simple request:

"Honor his example of service, accomplishment and modesty, and the next time you walk outside on a clear night and see the moon smiling down at you, think of Neil Armstrong and give him a wink."

___

Borenstein reported from Washington. Associated Press writer Steve Peoples in New Hampshire and AP Science Writers Alicia Chang in Los Angeles and Marcia Dunn in Cape Canaveral, Fla., contributed to this report.

Source: http://news.yahoo.com/neil-armstrong-1st-man-moon-dies-82-200215442--finance.html

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Programs partner to bring back-to-school excitement to military families

Groton ? Riley Henley said she liked the color purple, so she was handed a purple backpack brimming with school supplies.

Noticing how heavy it was, the 5-year-old shook it, rattling around the folders, markers, scissors, crayons and notebooks inside. She promptly strapped it on her back.

?I like it,? said Riley, who is starting first grade.

Riley?s father David Henley is a machinist?s mate on the USS California. Her mother, Marybeth Henley, said that with five children including newborn twins, she looks to cut costs anywhere she can. Which is why she was particularly grateful for the free backpacks and school supplies she received for her two oldest on Friday.

Operation Homefront Tri-State and K.I.D.S., Kids in Distressed Situations, partnered to give local military families free backpacks, printers and back-to-school clothing, distributing the items Friday at the Balfour Beatty housing.

?This is awesome. They should do more stuff like this to help out military families,? said Marybeth Henley, who planned to go home and call other Navy wives so they could stop by, too.

Tracy Handschuh, program director for Operation Homefront Tri-State, said she brought nearly 300 backpacks to relieve some of the financial burden on military families. Families of junior enlisted personnel were invited to the event rather than senior enlisted or higher-paid officers.

She said it was the first time the nonprofit had been to Groton.

?Every kid deserves a fresh set of supplies and a backpack to start school,? Handschuh said. ?And if Dad is going to be gone for months at a time, we?re here to support them.?

Crystal Snyder is proud of her husband for being in the submarine force, but she said she couldn?t really even calculate how much he would earn if he was paid for every hour he worked during a six-month deployment.

?It?s excellent that a community organization recognizes that and tries to make up some of the cost and sacrifice,? said Snyder, who has five children.

Leslie Mayol recently moved from Florida because her husband is a student at the Naval Submarine School. Mayol, who sold many of her belongings rather than ship them, brought her 8-year-old son to the event for a new backpack.

?This really shows their appreciation toward the armed forces,? she said. ?And it?s a big help for families like us who are just starting out in the Navy.?

j.mcdermott@theday.com

Source: http://www.theday.com/article/20120824/NWS09/120829853/1065/rss14

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Equities & Stocks, Day Trading Stock Picks 40

Citadel?s Equities Co-Head Runnfeldt to Leave Hedge Fund

Jeff Runnfeldt, co-head of Citadel LLC?s global equities group, is leaving after a decade at the hedge fund.

Currency ETF Chart of the Day: Euro

The Euro currency is no doubt in focus heading into the final days of August and the beginning of September with the expected reconvening of ECB leaders in the near term.In currency ETFs, CurrencyShares ...

VMware Speculators Gamble On Short-Term Support

The shares of VMware, Inc. (NYSE:VMW - 91.24) retreated along with the broader equities market yesterday, ending beneath their 10-day and 20-day moving averages for the first time since July 17...( Read More )

European equities sag before weekend

Europe's main stock markets slid Friday in uninspiring pre-weekend trade, as investors eyed receding hopes of fresh economic stimulus from the US Federal Reserve, dealers said. In late morning trade, London's ...

Equities slump as stimulus hopes fade

European stocks have closed lower as traders wondered whether China and the US would provide more stimulus.

Read Carefully When Trading the Following Stocks: (OTCBB: NEOM), (PINKSHEETS: VLNX), (PINKSHEETS: BBDA), (PINKSHEETS ...

NEW YORK, NY-- - PennyStocksVIP.com Is Issuing Updated Trend Analysis Reports On The Hottest Equities In The Market: NeoMedia Technologies Inc. , Vision Plasma Systems Inc. , Bebida Beverage Company , ...

European equities slump as stimulus hopes fade

European stocks closed lower and the euro rose on Thursday as traders wondered whether China and the United States, the world's two biggest economies, would provide more stimulus to revive growth. After ...

Morning Links: Picking Holes in ?Equities are Dead? Debate

A roundup of blog posts and articles from around the web.

US Dollar Forming Inside Day After Biggest Sell-off in Two-Weeks

US Dollar Forming Inside Day After Biggest Sell-off in Two-Weeks

Oil Falls a Second Day as U.S. Equities Decline

Oil fell for a second day as U.S. equities moved lower and as Japan?s economy grew more slowly than expected. The discount of New York futures to Brent widened to a four-month high.

Source: http://invest.5ver.com/equities/8867-equities-stocks-day-trading-stock-picks-40.html

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Friday, August 24, 2012

Nuclear Decelerator: Last U.S. Particle Collider on Chopping Block

With the Tevatron in mothballs, the Brookhaven Laboratory collider now faces possible closure due to budget cutbacks


PHENIX detector at RHICLOOKING FORWARD: The PHENIX detector at the RHIC collider analyzes the results of high-speed particle smashups. Image: BNL

Until recently, the American particle collider was a thriving species spanning a variety of habitats from coast to coast. But now it finds itself on the endangered list.

Since 2008 the number of colliders in the U.S. has dwindled from four to one. And the last surviving member of the species, the Relativistic Heavy-Ion Collider (RHIC) at Brookhaven National Laboratory in Upton, N.Y., may soon fall victim to the same budgetary blight that has already felled so many other towering scientific facilities. Just last year the U.S. Department of Energy (DoE) phased out the larger Tevatron collider at Fermilab in Illinois, citing fiscal constraints. The increasingly rare breed known as the collider is a particle accelerator in which two beams of high-energy particles intersect to collide head-on inside giant detectors, which allow physicists to sift through the wreckage for short-lived particles or evidence of new physical phenomena.

The RHIC collider is one of three major projects now under scrutiny as federal science agencies seek to reconcile their portfolios of physics facilities with tightening budgets. The DoE and the National Science Foundation have requested that a panel of nuclear physicists, chaired by Robert Tribble of Texas A&M University, advise the government on how to get the most science out of limited funds. It appears likely that at least one of the costly projects?either RHIC, the Thomas Jefferson National Accelerator Facility in Virginia or the planned Facility for Rare Isotope Beams (FRIB) in Michigan?will fall victim to the cost-cutting. Any termination would cost hundreds of jobs and affect thousands of scientist users.

"The three of these things ? they can't all fit within the budgets that the DoE has been told to anticipate for the next five years or so," says Steven Vigdor, associate laboratory director for nuclear and particle physics at Brookhaven. "It's conceivable, but I think it's a long shot, that there's a compromise solution that doesn't involve terminating something."

The RHIC collider, with a staff of about 750, could provide the biggest target for cost-cutters. Its operation costs the DoE roughly $170 million annually. But RHIC is also the only facility of the three that is currently in operation, and it seems to be hitting its peak, having recently been upgraded. RHIC rams protons or heavy nuclei from gold, copper or uranium atoms together at nearly light speed to investigate what produces the proton's spin as well as the universe's composition in the earliest instants after the big bang. The high-speed collisions of heavy ions produce a nearly frictionless fluid called a quark?gluon plasma, a hot bouillabaisse of the fundamental particles that form the heart of all atoms. Quark?gluon plasma was first produced at RHIC in 2005, and scientists there are now working to explore at which temperatures the quarks and gluons freeze out from their fluid state into protons and neutrons.

Like the other two facilities, RHIC comes highly recommended by nuclear physics advisory groups. A 2012 report by the National Research Council identified the completed RHIC upgrade, and an ongoing upgrade at Jefferson Lab, as strategic investments whose exploitation "should be an essential component of the U.S. nuclear science program for the next decade."

The Tribble panel operates under the auspices of the Nuclear Science Advisory Committee (NSAC), which provides guidance to the federal funding agencies. Tribble's subcommittee will meet in Maryland over four days in early September, during which time representatives of the various facilities will have an opportunity to lobby for their projects. "We and the other laboratories are taking this really seriously in the sense of a threat to our continued operation, and for FRIB to their continued construction," Vigdor says.

Source: http://rss.sciam.com/click.phdo?i=79e7cc25e7662bab0b8c42ffa2d5ea29

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SW Ind. farm source of some contaminated melons

OWENSVILLE, Ind. (AP) ? Health officials say a farm in southwestern Indiana was the source of at least some of the salmonella-contaminated cantaloupe that has made at least 178 people in 21 states ill, but they are still trying to determine whether there are other sources.

Federal and state officials disagree whether it is safe to eat melons from the region. The Food and Drug Administration says consumers should discard any cantaloupes grown there bought on or after July 7 because they are still investigating other possible sources of the outbreak.

Amy Reel, Indiana Department of Health spokeswoman, says the state is recommending cantaloupes from Chamberlain Farms in Owensville be discarded, but melons from other farms are safe to eat as long as they are washed well and people use clean knives and cutting boards.

The Centers for Disease Control and Prevention late Wednesday identified Chamberlain Farms as a source of the outbreak, which has led to 62 hospitalizations and two deaths.

Shelly Burgess, an FDA spokeswoman, said Thursday that the investigation is still in its early stages and that it is too early to say whether all the contaminated fruit could be traced back to the farm.

Tim Chamberlain, who runs the 100-acre Chamberlain Farms, said it stopped producing and distributing cantaloupe on Aug. 16, when the FDA alerted him that the fruit could be tainted.

"We've had no production," he said.

Chamberlain said he doesn't know what might have caused the contamination. John Broadhead, an attorney for the farm, said it voluntarily withdrew its cantaloupes last week and that all of its retail and wholesale purchasers complied with the recall.

"We're waiting for the government agencies to tell us what to do," he said.

The farm, which is about 20 miles north of Evansville, sold cantaloupes to grocery stores in four southwestern Indiana counties and one in southeastern Illinois, Broadhead said in a statement. The fruit also was sold to wholesale purchasers in St. Louis; Owensboro, Ky.; Peru, Ill., and Durant, Iowa.

Burgess said it isn't known how many cantaloupes the farm sold since people started getting sick. Investigators traced the salmonella back to Chamberlain Farms through two cantaloupes at an IGA grocery store in Kentucky, Reel said.

Salmonella is one of the most common causes of food poisoning in the U.S. and can contaminate a wide range of foods, including eggs, meat, unpasteurized dairy products and juices, raw melon and alfalfa sprouts, nuts and even spices. It causes diarrhea, fever and cramps, and although most people recover without treatment, it can cause serious illness in older people, infants and those with chronic diseases, according to the U.S. Department of Health and Human Services.

Testing on the salmonella found on cantaloupes growing at Chamberlain Farms will be completed next week, Reel said.

Chamberlain said he has had no other problems at the farm since it began operating in 1982. Reel said the state doesn't inspect farms in Indiana, but there were no records of any health problems at Chamberlain Farms.

Indiana ranked fourth in the nation in cantaloupe production last year. Chamberlain said his farm would be considered medium-sized by Indiana standards.

Indiana University law school Professor Diana Winters, whose research involves the judicial review of health and safety regulations, said the Food Safety Modernization Act was signed into law by President Barack Obama. The act included requirements for new standards for produce farmers.

"It got passed, but it just hasn't been implemented. I think that's frustrating for a lot of people," she said.

Winters said it is difficult for any farm linked to salmonella contamination to survive. For example, federal officials blamed tainted processing equipment and water at a Colorado cantaloupe farm for a listeriosis outbreak that killed 30 people last year. The farm filed for Chapter 11 bankruptcy protection in May.

"I think once a farm is identified they have an uphill climb ahead of them because there most likely be a lot of personal injury claims against them that they will need cash flow to settle. They're also going to have trouble marketing their produce," she said.

Source: http://news.yahoo.com/sw-ind-farm-source-contaminated-melons-223645497.html

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Russia: We have Syrian guarantees on chemical arms

MOSCOW (AP) ? Russia is working closely with the Syrian government to ensure that its arsenal of chemical weapons remains under firm control and has won promises that the weapons of mass destruction will not be used or moved, Moscow's point man on Syria told The Associated Press on Thursday.

The potential use of chemical weapons in the Syrian conflict has put Russia, the Syrian regime's steadfast ally, in a rare point of agreement with the United States, which has pressured Syrian President Bashar Assad to step down in the face of an armed uprising.

Russia has shielded Assad's regime from U.N. sanctions and continued to provide it with weapons throughout the 18-month conflict, which activists estimate has killed more than 20,000 people. In July, Syria first acknowledged its possession of chemical weapons by threatening to use them if foreign states tried to interfere militarily.

President Barack Obama said Monday that the United States might have to intervene in Syria if the government there used or moved chemical weapons. Obama also warned of the threat of such weapons falling into the hands of rebels fighting the government or militant groups aiding either side.

Deputy Foreign Minister Gennady Gatilov said Russia is in full agreement with the Americans on the need to prevent Assad's government from using the weapons or allowing them to slip out from under its control.

"We have guarantees from the Syrian government that it will not take any steps involving chemical weapons," the Russian diplomat said. "And I want to reiterate that on this issue we will restrain it in all ways possible and work toward the goal of preventing such things from happening."

He said the Foreign Ministry was in constant contact with U.S. officials, pointing to last week's visit by Under Secretary of State Wendy Sherman.

While in Moscow, Sherman urged the Russians to make clear to Assad that the use of chemical weapons would have disastrous consequences and delivered the message that if the weapons were used, the Russians would be expected to help with the cleanup, according to a U.S. official. The official spoke on condition of anonymity because of a lack of authorization to discuss the details of the visit.

Russia, meanwhile, is counting on the United States and others to use their influence with opposition forces to prevent the chemical weapons from falling into the hands of terrorists, Gatilov said.

"As we all know, among the opposition are terrorist elements, in particular belonging to al-Qaida," he said. "Of course, if all of a sudden, as a result of some actions, these weapons were to fall into the hands of terrorists who could take a totally irresponsible attitude toward them, this would be a very serious development."

A senior Syrian government official, in Moscow for talks on Tuesday, said Obama's warning indicated that the West was looking for a pretext to intervene in Syria. Deputy Prime Minister Qadri Jamil drew a comparison with the invasion of Iraq in 2003, which the Bush administration justified by claiming, falsely as it turned out, that Iraqi dictator Saddam Hussein had weapons of mass destruction.

The Syrian situation is different, Gatilov noted, because Syria has chemical weapons. After the Assad regime's announcement in July, Russia pointedly reminded Syria that it had ratified a global convention banning the use of chemical weapons.

Russia has staunchly opposed demands for Assad to step down and called for talks between the Syrian regime and its foes, arguing that only the Syrian people have a right to determine the future of their country. But Syrian opposition leaders have refused to take part in negotiations until Assad gives up power.

"As to the Russian position, we never put forward as a condition the demand that Assad should go or, equally, we never said that Assad should stay," Gatilov said.

He said Russia works with Syria's government and meets with visiting representatives of opposition groups.

"Regrettably, we have to state that we haven't seen our Western partners working as actively with the opposition, encouraging it to join a political dialogue," he said. "We would like to hope that, at least on the subject of chemical weapons, they will take a rather more responsible attitude to this. We all understand that chemical weapons should not be used or fall into the hands of those groups who will not be controlled in their actions."

___

Matthew Lee in Washington contributed to this report.

Source: http://news.yahoo.com/russia-syrian-guarantees-chemical-arms-144358573.html

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Thursday, August 23, 2012

USGS Release: USGS Unveils Flood Mapping Tool for Atlanta ...


ATLANTA ? A powerful new flood preparedness tool that will help emergency managers protect lives and property in the flood-prone Sweetwater Creek area was unveiled in a ceremony today on the banks of the creek at Austell's Legion Regional Park.

Developed by scientists from the U.S. Geological Survey's Georgia Water Science Center, the interactive web-based tool, called a "flood inundation map," is the first of its kind to be created for a major urban area in the southeastern United States.

"I am pleased the USGS has made this informative and interactive tool available to the public," said Congressman David Scott, who spoke at the event.? "It will be especially useful to my constituents, many of whom know all too well the devastating effects floodwaters can have on personal safety and property.? I encourage all Georgians to utilize this valuable tool in order to predict the effects flooding may have on our areas so that citizens will no longer be taken by surprise by rising water levels."

The epic Atlanta floods of 2009 resulted in 10 deaths and more than $250,000,000 total estimated damages in a 7-day period. Floods impacted more than 20,000 homes and businesses and damaged hundreds of roads and bridges, according to Federal Emergency Management Agency.? At this time, Sweetwater Creek experienced the highest flows recorded in more than 108 years of measurement with a recorded 31,500 cubic feet per second -- 300 times higher than the Creek?s normal flow.

"Floods are the most expensive natural disaster that we face in the U.S., affecting all 50 states and costing more than $2.7 billion dollars annually averaged over the past 10 years according to government estimates," said USGS Director Marcia McNutt, from her office in Reston, Va. "Investing in science-based preparedness tools like the online flood inundation maps is a smart way to help everyone know the quick decisions to make to spare lives and property."

This new online tool will help identify where the potential threat of floodwaters is greatest, enabling emergency personnel from FEMA and state and local agencies to make quick decisions about when and how to evacuate residents.? State and local officials will be able to use the interactive tool before the rain falls to better plan flood response and resource recovery and to assess evacuation routes at various flood levels.?

Nationwide, the USGS is partnering with the National Weather Service, U.S. Army Corps of Engineers and FEMA to develop comparable flood inundation maps in locations identified to be at the highest risk for flooding.? Georgia has one flood inundation map for the Flint River at Albany, with two more underway for Peachtree Creek in Atlanta and Suwanee Creek in Gwinnett County.

Today's event was held on the banks of the creek with a high-water mark from the 2009 flood some 15-20 feet above the ball fields in the park. In addition to Congressman Scott, officials from Cobb County, the City of Austell, USGS and NWS spoke at the ceremony.?

Flood inundation maps are based on real-time river gauge readings from the USGS?s nationwide streamgage network, which monitors water level and flow of the nation's rivers and streams. Remote sensing lidar data and geographic information system technology are used to portray streamgage readings from the Sweetwater Creek gauge onto an online interactive map.? The result is a dynamic webpage where users can zoom in and out on different parts of the community to identify locations that would be affected by flooding at different water levels from I-20 north through Austell.

The flood inundation map for Sweetwater Creek is coupled with HAZUS loss-estimation software developed by FEMA and adapted for online display by USGS. Using the projected depth and extent of floodwaters from the USGS flood inundation maps, this technology enables estimates to be calculated for the potential physical, economic, and social impacts of flooding in a specific area. Flood loss calculations are available through the USGS FIM Program Mapper.

People wishing to access the Sweetwater Creek flood inundation map can find it online.? In addition to the map, scientists are also installing a webcam along the creek near Legion Park to capture live streaming video, enabling people to monitor the creek?s water levels in real time.?

WaterAlert and StreaMail are two other online resources that provide residents with timely information about river conditions at important locations. Subscribers have a number of options to choose from on how to get the information.? With these tools, emergency managers, resource managers and the public can stay informed and help save lives and reduce property damages by keeping up to date of local river conditions.?

Source: http://www.usgs.gov/newsroom/article.asp?ID=3368&from=rss

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Scientists Clear Path to the Fountain of Eternal Youth [Science]

Researchers at Johns Hopkins have discovered an efficient and totally safe method to turn adult blood cells "all the way back to the way [they were] when that person was a 6-day-old embryo." The discovery could be the key to cure the incurable—from heart attacks to severed spinal cord to cancer—and open the door, some day, to eternal youth. More »


Source: http://feeds.gawker.com/~r/gizmodo/full/~3/-i5515oG0hM/scientists-clear-a-path-to-the-fountain-of-eternal-youth

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How to Use Personal Finance Apps to Turn Your Life Around



Personal finance apps and software are sort of like diets: They will undoubtedly work if you stick to them, but they are so difficult to maintain that, most times, they just don?t last.

At least, that?s the case for many. Mint, the biggest of the personal finance apps, claims 9 million users. The company (and sibling brand Quicken) were able to furnish a few of the fin serv equivalents of Jennifer Hudson, former out-of-control spenders who have embraced the frugal lifestyle.

Here are a few tips from other successful finance app users.

Get a Reality Check

Without exception, all the users who are now getting the most out of these financial service tools had a moment of clarity ? they saw how much they were spending and realized that they were living beyond their means.

For Lori Biancofiori, that moment came in May 2009. Biancofiori had recently gotten married, and the wedding cost more than she anticipated. Then her husband got laid off. ?I saw how much money we spent on dining out and groceries and cut our budget,? she says.

She and her husband had to make some tough decisions. They hunkered down and paid off $18,000 in credit card debt. They sold their condo in Chicago at a loss of $40,000; they realized the market wasn?t going to improve and they wanted to get out. Nowadays, the two live off one income and bank the rest.

SEE ALSO: 10 Things You Didn?t Know Mint Could Do

Daniel Sjoberg got Quicken as a gift in 2006, after college. ?I thought it was a lame gift at first,? Sjoberg confesses. But once he fixated on the fact that he had a negative net income, he became motivated to cut back on spending.

Caryn Bryant, a human resources rep, says that seeing the numbers actually made her more generous. ?For the longest, I felt like, ?If I didn?t do this for my relative, then I would be financially OK,?? she says. ?I was always blaming others, but it was really my fault. Giving a relative $20 does not make one go into a financial tailspin, unable to pay bills on time (if at all) for months on end. It?s a series of poor financial decisions, and once you take ownership of the problem, you can fix it.?

Realize That Food Is an Achille?s Heel


For the average person, the source of one?s financial undoing is not a shiny new Ferrari so much as a sushi dinner. Our financial ninjas found that food was a siphon on their savings. However, a little discipline went a long way.

Upon reviewing her finances, Biancofiori found that she and her husband had been spending about $800 per month on groceries and $300 to $400 on restaurants per month. Now, they get by with $500 for groceries and $150 for restaurants ? still a fairly cushy situation, but one that saves about $500 a month.

Being single presents its own set of problems. But Sjoberg found that being up-front about his situation was the best way to counter temptation. ?I?d say, ?Let?s eat at home and we can drink and eat for cheaper,?? he says, adding that his friends were sympathetic when he laid out his financial goals.

?Because I made poor money decisions in the past, I can no longer afford (not that I could afford it in the past) to buy concert tickets, go on vacations, go shopping or just go out to dinner when I want,? says Bryant. ?In the sumemrtime, my friends always want to go out, and I know it?s in my best interest to not always go along. It?s hard telling them no, and it?s even harder to realize that I put myself in this position, but it is a constant reminder that if I don?t stay on track, that I will face the same situation next summer.?

Get Comfortable Making Yourself Uncomfortable

Like dieting, keeping a tight budget isn?t much fun. At times, you may hear that voice in your head, which asks why that $50 dining bill or that new iPhone is really going to make such a big difference. In such times, keeping the big picture in mind is difficult.

But apps like Mint and Quicken, with their reams of historical data, can help. Bryant recalls that, this year, she really wanted to pay her car off and pay down her credit cards:

In order for those two things to happen, I had to look at what my debt was and make a plan of attack that I was going to stick to. It involved extreme sacrifice, but I felt that I had no choice. To me, it was worth sacrificing for a few months in order to have an extra $700 a month when my goals were met. I stayed focused on that $700, and that?s what kept me focused; and that $700 will be used to start a savings account. I also keep a money journal. So if I spend an extra $50 for something, I need to make a note for exactly why I went over my budget.

Such rigor can be difficult. Bryant describes it as ?making myself comfortable with being uncomfortable.? Sometimes it may be easier for some than others. ?For me, the hardest part is that false sense of security that a full checking account balance can give you,? says Sjoberg.

A counterbalance to such temptations is the knowledge that you?re making progress. Just as a dieter can gain confidence and momentum from looking at the scale, born-again savers can look at their financial history and see how much they?ve improved.

That?s what has kept Sjoberg going through tough times. For those considering following his path, Sjoberg offered the following advice: ?Don?t get discouraged. Just stick with it. Once you see red turn to black, you?ll feel better.?

Images courtesy of iStockphoto, Adventtr and Flickr, boo-licious, respectively

Source: http://mashable.com/2012/08/23/personal-finance-apps/

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Wednesday, August 22, 2012

Atlanta Business Consulting | What Can I Do To Help? | Twelve ...

Since relocating to the Atlanta, Georgia area (Canton, specifically) my family and I have been attending the Northpoint Community Church campus of Watermarke Church. Northpoint was the church we wanted to be a part of, so were glad to find a place to live near one of their campuses.

The church is in a middle of a series entitled ?Future Family? and this past week, Andy touched on the book of Ephesians and that chapter that causes arguments constantly. If you don?t know offhand which one I am talking about, let?s just say it contains the word ?submit.? Now you?ve got it, right?

The core focus of his message however, was far more practical than anything else. He talked about the value of ?mutual submission? within the family and it centered around asking people in your household a simple question:

What can I do to help?

I thought about this and realized it?s impact, not only in our family lives, but in our business roles as well.

One of the things Andy said that really stood out was this:

?You don?t get happy by controlling the people around you.?

Think about that for a moment as it applies to your organization or a team that you lead. Are you getting the results you want from your team by making sure you have complete control over them?

When was the last time you went to a team member or somebody that works for you and said, ?What can I do to help??

If you find a team member is struggling to get a project across the finish line, is it going to be more productive to tell them, ?Get it done or else? or to ask, ?What can I do to help??

Think about the impact you can make upon your team if you took the time to ask, ?Is there anything I can do to help you guys?? from time to time.

Try it.

About Jay Caruso

I am a photographer and businessman living in the Atlanta, Georgia area. I can help with your company branding through the use of photography as well as SEO, social media marketing and business consulting.

Source: http://www.twelvestonescreative.com/help/

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Is Now the Best Time to Buy Real Estate? - Bank Foreclosures Sale

by Jason Westmann

Recovery Ahead

Over the last couple of years, one question has been floating around when it comes to real estate, "is now the best time to invest?"

The answer to this question has seemed to fluctuate with real estate market related news and reports. For example, if there's a small rise in home prices or a moderate dip in the foreclosure rate, many media outlets start to scream about a "recovering real estate market."

On the other hand, when home prices start to fall and statistics of a high foreclosure rate and inventory are being reported, then people immediately start to ask whether or not the real estate market has "hit rock bottom."

These questions, although understandable, have been incredibly gun-shy with very little evidence supporting either claim?until recently.

The Current Real Estate Market

Over the last few weeks, there have been various stories and reports that have indicated a truly recovering real estate market. For example, home prices are increasing and there are further predictions of higher home prices by the spring of 2013.

Similarly, other reports show how foreclosure rates are falling in many areas throughout the country. For example, Utah has recently experienced a significant decrease in the state's overall foreclosure rate.

Despite a report that showed that the national foreclosure rate increased in July 6% when compared to July of 2011, new home construction is picking up and home prices are rising while the foreclosure rate in many areas throughout the country are falling.

Is Real Estate Market Recovery Here?

The quick answer to this question is absolutely not. We still have a long way to go before things return to "normal."

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Source: http://www.bankforeclosuressale.com/wp/article-08213951.html

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Research reveals unique solution to gene regulation

Research reveals unique solution to gene regulation [ Back to EurekAlert! ] Public release date: 21-Aug-2012
[ | E-mail | Share Share ]

Contact: Kay Branz
kbranz@benaroyaresearch.org
206-342-6903
Immune Tolerance Network

Study of 'contained, isolated' genes in sea lamprey may indicate how potentially deleterious genes can be controlled

SEATTLE - (August 21, 2012) Research on a unique vertebrate called the sea lamprey shows that more than a thousand genes are shed during its early development. These genes are paradoxically lost all throughout the developing embryo except in a specialized compartment called "primordial germ cells" or PGCs. The PGCs can be thought of as embryonic stem cells and are used, ultimately, for making the next generation of lampreys. Based on computational analysis, a significant number of genes that are lost in the embryo have signatures of "pluripotency," which suggests that they could also have undesirable effects if they were inadvertently turned on in the body. In effect, by undergoing programmed genome rearrangement and gene loss during embryogenesis, the sea lamprey "seals" the genes away in the small germline compartment so they cannot be misexpressed and thereby create untoward problems (such as development of cancer, for example). The study was completed at the Benaroya Research Institute at Virginia Mason (BRI) and recently published as a featured article in Current Biology, along with an outside commentary highlighting its biological importance.

The article authors are Jeramiah Smith, PhD, former postdoctoral fellow at BRI and now Assistant Professor of Biology at the University of Kentucky; Chris Amemiya, PhD, Principal Investigator at BRI and Professor of Biology, University of Washington; Evan Eichler, PhD, University of Washington Genome Sciences Professor; and Carl Baker, Research Scientist, University of Washington.

The discovery builds on the group's previous work published in the Proceedings of the National Academy of Sciences in 2009. "Our new research confirms that lampreys experience rampant programmed genome rearrangement and losses during early development," says Dr. Amemiya. "The genes are restricted to the germline compartment suggesting a deeper biological strategy in order to regulate the genome for highly precise, normal functioning. The strategy removes the possibility that the genes will be expressed in deleterious ways. Humans, on the other hand, must contain these genes through other "epigenetic" mechanisms that are not fool-proof.

There are several implications of this work:

  • By understanding how programmed genome arrangement occurs so pervasively in lampreys, scientists can gain insight into how vertebrate genomes can remain stable and what genetic factors contribute to this stability.
  • Studies in distantly related species can provide unique insights into fundamental biological concepts and may be translatable to human health.
  • Identifying the molecular and developmental mechanism of how lampreys regulate their genome may have implications for disease treatment.

Sea lampreys are "basal" vertebrates that lack jaws and have unique properties that are of interest to scientists. This includes a completely different genetic toolkit for their adaptive immune system, which was also discovered, in part, by Amemiya's group, as well as remarkable powers of regeneration that allow them to completely recover from a severed spinal cord.

High throughput genomic sequencing, computational analysis and other state-of-the-art scientific advances made this research possible. Grant funding was provided by the National Science Foundation, National Institutes of Health and Howard Hughes Medical Institute.

###

About Benaroya Research Institute at Virginia Mason

Benaroya Research Institute at Virginia Mason (BRI), founded in 1956, is an international leader in immune system and autoimmune disease research, translating discoveries to real life applications. Autoimmune diseases happen when the immune system, designed to protect the body, attacks it instead. BRI is one of the few research institutes in the world dedicated to discovering causes and cures to eliminate autoimmune diseases such as Type 1 diabetes, multiple sclerosis, arthritis and many others. Visit BenaroyaResearch.org or Facebook/BenaroyaResearch for more information about BRI, clinical studies and the more than 80 different types of autoimmune diseases.

BRI employs more than 250 scientists, physician researchers and staff with a research volume of more than $35 million in 2011, including grants from the National Institutes of Health, the National Science Foundation, the U.S. Department of Defense, JDRF, the American Heart Association and others.



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

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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.


Research reveals unique solution to gene regulation [ Back to EurekAlert! ] Public release date: 21-Aug-2012
[ | E-mail | Share Share ]

Contact: Kay Branz
kbranz@benaroyaresearch.org
206-342-6903
Immune Tolerance Network

Study of 'contained, isolated' genes in sea lamprey may indicate how potentially deleterious genes can be controlled

SEATTLE - (August 21, 2012) Research on a unique vertebrate called the sea lamprey shows that more than a thousand genes are shed during its early development. These genes are paradoxically lost all throughout the developing embryo except in a specialized compartment called "primordial germ cells" or PGCs. The PGCs can be thought of as embryonic stem cells and are used, ultimately, for making the next generation of lampreys. Based on computational analysis, a significant number of genes that are lost in the embryo have signatures of "pluripotency," which suggests that they could also have undesirable effects if they were inadvertently turned on in the body. In effect, by undergoing programmed genome rearrangement and gene loss during embryogenesis, the sea lamprey "seals" the genes away in the small germline compartment so they cannot be misexpressed and thereby create untoward problems (such as development of cancer, for example). The study was completed at the Benaroya Research Institute at Virginia Mason (BRI) and recently published as a featured article in Current Biology, along with an outside commentary highlighting its biological importance.

The article authors are Jeramiah Smith, PhD, former postdoctoral fellow at BRI and now Assistant Professor of Biology at the University of Kentucky; Chris Amemiya, PhD, Principal Investigator at BRI and Professor of Biology, University of Washington; Evan Eichler, PhD, University of Washington Genome Sciences Professor; and Carl Baker, Research Scientist, University of Washington.

The discovery builds on the group's previous work published in the Proceedings of the National Academy of Sciences in 2009. "Our new research confirms that lampreys experience rampant programmed genome rearrangement and losses during early development," says Dr. Amemiya. "The genes are restricted to the germline compartment suggesting a deeper biological strategy in order to regulate the genome for highly precise, normal functioning. The strategy removes the possibility that the genes will be expressed in deleterious ways. Humans, on the other hand, must contain these genes through other "epigenetic" mechanisms that are not fool-proof.

There are several implications of this work:

  • By understanding how programmed genome arrangement occurs so pervasively in lampreys, scientists can gain insight into how vertebrate genomes can remain stable and what genetic factors contribute to this stability.
  • Studies in distantly related species can provide unique insights into fundamental biological concepts and may be translatable to human health.
  • Identifying the molecular and developmental mechanism of how lampreys regulate their genome may have implications for disease treatment.

Sea lampreys are "basal" vertebrates that lack jaws and have unique properties that are of interest to scientists. This includes a completely different genetic toolkit for their adaptive immune system, which was also discovered, in part, by Amemiya's group, as well as remarkable powers of regeneration that allow them to completely recover from a severed spinal cord.

High throughput genomic sequencing, computational analysis and other state-of-the-art scientific advances made this research possible. Grant funding was provided by the National Science Foundation, National Institutes of Health and Howard Hughes Medical Institute.

###

About Benaroya Research Institute at Virginia Mason

Benaroya Research Institute at Virginia Mason (BRI), founded in 1956, is an international leader in immune system and autoimmune disease research, translating discoveries to real life applications. Autoimmune diseases happen when the immune system, designed to protect the body, attacks it instead. BRI is one of the few research institutes in the world dedicated to discovering causes and cures to eliminate autoimmune diseases such as Type 1 diabetes, multiple sclerosis, arthritis and many others. Visit BenaroyaResearch.org or Facebook/BenaroyaResearch for more information about BRI, clinical studies and the more than 80 different types of autoimmune diseases.

BRI employs more than 250 scientists, physician researchers and staff with a research volume of more than $35 million in 2011, including grants from the National Institutes of Health, the National Science Foundation, the U.S. Department of Defense, JDRF, the American Heart Association and others.



[ 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/itn-rru082012.php

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