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Credit Card Payment 101 | Finance Help News

Credit Card Payment 101

One must fully understand how monthly billing works before they make a credit card payment. If this is your first time to own a credit card, read on as these terms will be helpful.

Statement date. This date is basically the bill?s print date.

Payment due date. This would be the date when the cardholder must settle at least the minimum payment. Although late payments would be duly credited to the account, a late penalty fee would be assessed because of this.

Total Amount Due. It consist of the unpaid amount from the previous month, as well as purchases, payments and interest charges for the current month. No interest or finance charges would be assessed if the cardholder makes payment and it clears on or before the payment due date.

Minimum Amount Due. This is a nominal amount in comparison to the total amount due ? see above. If in any event you are not able to make full payment, the credit card company would require you to pay no less than this amount to remain in good standing and avoid ruining your credit.

Interest charge. Credit card holders are levied finance charges for what is, technically, borrowing money from the financial institution if in any event they cannot satisfy the total amount due. There are two main things that determine this rate ? outstanding balance and interest rate.

Late charges. Regardless whether payment clears one day or ten days after the payment due date, late fees are assessed on the cardholder?s bill. Avoid this as much as possible as this is almost 2X the interest rate of the finance charge. If you begin missing payments regularly, you risk jeopardizing your credit rating and having your card canceled.

Having understood the information on your monthly bill, here are simple strategies for paying your credit card charges.

Make the full payment due at all times. Paying only the minimum amount due means being charged for a high interest rate on the unpaid amount.

Paying above the minimum payment due, as high above as you could, would be the play you want to run if you are stymied by an unexpectedly high total amount due. You want to strategically cut your losses by reducing the finance charges, and you can do this by employing the above tactic.

One other thing you can do to pick apart the scrum of finance charges that might crush your chances of having a reasonable bill would be to make a partial payment once you get the bill. Finance charges are based on the unsettled amount and the time it remains unsettled, so the shorter it is, the lower it will be for finance charges.

Reward points are a special perk offered on some cards for their most loyal and reliable cardholders. Reward points can either be credited as payment (which is preferable), as cash back or to take advantage of retail store discounts.

Lastly, pay the total amount due. In case you missed it the first time.

A credit card bill can be settled in a number of ways. There?s the traditional way of waiting in line, or the faster way of paying electronically through your computer, cash machine or mobile phone. Perhaps the only excuse to miss your payment due date given all these options is premature senility.

Therefore, settle smart: pay the total, pay on time.

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Technorati Tags: Banking, Business Finance, Credit, credit cards, debt consolidation, debt relief, finance, Finance and Banking, Finance and Credit, Finance and Loans, financial planning, loans, personal finance, Wealth building

Tags: Banking, Business Finance, Credit, credit cards, debt consolidation, debt relief, finance, Finance and Banking, Finance and Credit, Finance and Loans, financial planning, loans, personal finance, Wealth building

Source: http://financehelpnews.com/business-finance/credit-card-payment-101

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Affects Of Chrons Disease | New Health and Fitness

New Health And Fitness.Org - Health Information You Can Use

Chrons ailment mostly influences someone?s digestive system. Although not life-threatening, Chrons ailment will surely have signs which are really unpleasant to have. This is the reason folks being affected by this have only one real question these people inquire with their doctors: exactly what is the remedy for Chrons disease?

Should you suffer through Chrons illness and you?re wondering the identical issue, you may be somewhat dissatisfied to know that there are nevertheless zero recognized remedy for your current illness. You can find, however, a number of treatment options to choose from. The main target of such remedies is to reduce the discomfort a result of the particular disease?s signs and symptoms.

Diverse medicine is accustomed to deal with Chrons illness. Several of these might be obtained over the counter (Non-prescription). Usefulness of these medications varies so you may ought to get one of these variety of all of them unless you choose one in which fully really works. A few likewise have significant unwanted effects, this also must be considered also.

Once remission may be achieved, remedy should be ongoing to stop flare or perhaps reverts back. Continual circumstances associated with Chrons disease may necessitate surgical treatment. In these instances, issues including abscesses and objects in the way have normally took place and also necessitating surgery. There are 2 forms of surgery suited to Chrons disease: resection of an distinct a part of digestive tract. It?s possible for patients to have the same medical procedures 2 times.

If you have simply discovered you are experiencing Chrons disease and you are already being affected by getting unwanted weight to be wholesome, you have to be a lot more anxious than usual about your problem. You will find there?s established, even though indirect, link between reducing your weight as well as Chrons disease and also however to suit your needs, the relationship involving the two is largely bad.

It?s impossible to even now properly discuss the cause of the disease however you will know it is operational when you?re experiencing infection of your respective intestinal tract. Although some parts of the body form the digestive system, it is almost always the particular ileum, the bottom area of the tiny intestinal tract, which is typically impacted. Chrons illness might have painful symptoms then one problem that may come up from that is actually weight-loss.

Reducing your weight and interest to nibble on may occur as a result of cramps and also stomach pain. When you find yourself experiencing these kinds of pains, maybe it?s fairly not possible that you can have the interest to eat. This really is more true with more mature patients impacted by this. Numerous say that these people ?feel better? should they do not take in.

Mal-absorption associated with lipids or even carbohydrate food is yet another achievable side-effect of computer and also which can simply aggravate your own difficulties with slimming down.

Possibly you are slimming down an the interest to consume, you ought to confer with your medical doctor quickly regarding methods to get back your body weight as well as normal diet regime. Although mortality rate pertaining to Chrons condition is quite reduced, people still perish for doing it. Together with suitable prescription medication and also therapy, losing weight as well as Chrons ailment might be sorted out.

Want to find out more about c diff signs and symptoms, then visit our site on how to choose the best chrons for your needs.

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Source: http://newhealthandfitness.org/2012/03/09/affects-of-chrons-disease/

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UK committee concerned about Olympic security cost

(AP) ? The 2012 London Olympics run a serious risk of going over budget, a British government committee warned Friday, complaining that unexpectedly staggering security costs will make it hard to stick to the 9.3 billion pound ($14.6 billion) spending plan.

While the Olympic venues and other infrastructure are nearly done, signs are worrying for delivering the games and related future programs on budget, said Margaret Hodge, the chair of the Public Accounts Committee, and could potentially force Olympic officials to turn to taxpayers in already tough economic times.

Government officials have insisted the games will be on time and within budget, but with planned security costs alone exceeding 1 billion pounds ($1.6 billion), those promises are increasingly under strain.

"We are particularly concerned about the significant increases in the security bill," said Margaret Hodge, the chair of the Public Accounts Committee, in a statement.

The organizing committee "now needs more than twice the number of security guards it originally estimated and the costs have roughly doubled. It is staggering that the original estimates were so wrong."

The high cost of the games has already sparked resentment from some Londoners angry over the expensive plans at a time the government is preaching austerity and cutting programs.

Games organizers have said that final security plans had to wait until arrangements to actually stage the games were in place. The chair of London's organizing committee, Sebastian Coe, further defended organizers, saying that planners had to work with the information that they had at the time.

"I think it will come together in a proper and orderly way and will come together at the end of project," Coe told reporters at a conference in Spain.

Britain's Department for Media Culture and Sport also vigorously rejected the report's findings, insisting that the government has more than 500 million pounds ($788,820) in funds that haven't been committed to other purposes.

"We are in a strong position and, while we can't be complacent, are confident that we can deliver the games under budget," the department's statement said.

The highly critical report comes three months after Britain's independent National Audit Office also concluded that the public sector funding package was "so finely balanced" that there was a real risk more money will be needed.

The oversight committee said that funding package "does not cover the totality of the costs to the public purse of delivering the Games and their legacy, which are already heading for around 11 billion pounds ($17 billion).

The higher figure comes in part from a dispute over whether to include the cost of purchasing Olympic Park land in the overall costs of the games. The government argues it shouldn't, because the money will be returned through land sales after the games.

The oversight report had sharp words for organizers and the government about the legacy of the games, such as the fate of big ticket venues like the Olympic Stadium and programs to get young people involved in sports. Hodge demanded accountability and said the stadium must not become a "white elephant."

"The government is dispersing responsibility for delivering the legacy and we need clarity about who is accountable," Hodge wrote. "Given the scale of costs outside the funding package, what we need within six months of the end of the Olympics is a single auditable account covering the total costs to the public of the games and their legacy."

Security is so expensive for the Olympics because of fears of terrorism. A terror attack at the 1972 Olympics in Munich killed 11 Israeli athletes and coaches. London has been hit by its own terror attack: Four suicide bombers targeted the city's transit network in 2005, killing 52 commuters.

The British government is planning to identify the national terror threat as "severe" during the Olympics, meaning an attempted attack is highly likely.

Initial security reviews put the number of security guards for the games at 10,000 ? the overall security work force is now at 23,700. Thousands of soldiers are now also part of the mix to keep the July 27-Aug. 12 event safe.

Those numbers are in addition to the 12,000 police officers that will also be on duty on the busiest days of the games.

The government said the additional money was needed to make venues and other sensitive sites, such as hotels, more secure. The total cost of securing the venues has climbed to more than 553 million pounds ($862 million).

Although Britain's Home Office initially budgeted 600 million pounds ($940 million) for that, that number has been trimmed to 475 million pounds ($745 million).

_____

Associated Press Writer Paul Logothetis contributed to this story.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/347875155d53465d95cec892aeb06419/Article_2012-03-09-OLY-London-2012-Budget/id-3fe0844292e0414f89d6291208636ed4

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Winners and losers since stock market's '09 bottom

Best-performing stocks in the Standard & Poor's 500 since the market's low during the Great Recession on March 9, 2009:

? Wyndham Worldwide Corp., up 1,311 percent.

? Genworth Financial Inc., up 888 percent.

? CBS Corp., up 879 percent.

? Fifth Third Bancorp., up 869 percent.

? Pioneer Natural Resources Co., up 790 percent.

Worst-performing:

? First Solar Inc., down 76 percent.

? Supervalu Inc., down 53 percent.

? Dean Foods Co., down 38 percent.

? Apollo Group Inc., down 36 percent.

? MetroPCS Communications Inc., down 32 percent.

___

Source: FactSet.

Source: http://news.yahoo.com/winners-losers-since-stock-markets-09-bottom-211253986.html

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Discover The Best Known Home Improvement ... - ARTICLES MANIAC

Many people shy away from learning home improvement skills because they fear the topic is boring. However, there is little else as empowering as working with your own two hands. This topic is fascinating and useful. To prove this point, this article will outline a few simple tips to beef up your knowledge of home improvement.

When improving the exterior of your home, you can save money and add security by installing motion detecting lights. Instead of leaving lights on all night long, motion detecting lights are only on when they?re activated by nearby movement. And intruders will be wary of approaching your home because they know you will be aware of their presence when the lights come on.

If you are selecting a home improvement contractor, be sure to watch out for scams. A good contractor will not solicit door-to-door but will wait for you to come to them. Also, while you will be expected to pay something up front, in most cases a reputable contractor will not expect full payment until the job is completed.

Take a close look at your home and ideas. As with any home improvement project, you need to know where to begin. Looking through your entire home and cataloging changes you want to see if you can get the best idea of where to start out. Work through the list from necessity to wants.

When renovating a kitchen, be sure to perform a good deep clean before applying any paint. The walls are probably covered with at least a thin layer of grease. This grease will make it difficult for the new paint to stick. It is also possible that your kitchen walls don?t need paint at all and are just dirty with grease!

When it is time for major home improvement renovations, look into ?age-in-place? measures you can apply to your home. Age-in-place refers to a design philosophy that accounts for the inevitable aging of homeowners over the span of their ownership. Whether you are renovating a house you intend to keep forever or a home you plan on selling, age-in-place additions can increase the comfort and value of your home.

Not every home improvement job you tackle is going to be difficult. Some jobs might even seem easy. But if you do not understand how to properly pull them off, you are going to cause a lot more harm than good in your home. What you?ve just read above were some great improvement tips. Use them to your benefit.

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Source: http://articles-maniac.tk/discover-the-best-known-home-improvement-tips/product-reviews/

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EurekAlert! - Cancer

The premier online source for science news since 1996. A service of the American Association for the Advancement of Science.http://www.eurekalert.org en-usCopyright 2012 by the American Association for the Advancement of ScienceTue, 06 Mar 2012 16:54:03 ESTEurekAlert!
Media_httpwwweurekale_bfhhn
http://www.eurekalert.org The premier online source for science news since 1996. A service of the American Association for the Advancement of Science.60webmaster@eurekalert.org (EurekAlert!)(<i>University of Colorado Denver</i>) NCI SPECS grant, coordinated by Fred R. Hirsch at the University of Colorado Cancer Center, will bring nine institutions together to search for biomarkers and targeted treatments for squamous cell lung cancer.http://www.eurekalert.org/pub_releases/2012-03/uocd-ccc030612.php Tue, 06 Mar 2012 00:00:00 ESThttp://www.eurekalert.org/pub_releases/2012-03/uocd-ccc030612.php(<i>Purdue University</i>) Purdue University researchers have created a new imaging technology that reveals subtle changes in breast tissue, representing a potential tool to determine a woman's risk of developing breast cancer and to study ways of preventing the disease.http://www.eurekalert.org/pub_releases/2012-03/pu-sir030612.php Tue, 06 Mar 2012 00:00:00 ESThttp://www.eurekalert.org/pub_releases/2012-03/pu-sir030612.php(<i>WHITECOAT STRATEGIES, LLC</i>) About 20 percent of breast cancer patients develop lymphedema, an accumulation of lymphatic fluid that causes swelling, often in the limbs. The disease may result in a disfiguring and painful condition. Attempts to treat lymphedema with lymph node transplant surgery offer modest results. Dr. Alitalo's and his team discovered that infusion of VEGF-C at the surgery site may significantly increase successful transplant. The Lymphatic Research Foundation awards Dr. Alitalo the 2012 Lymphatic Research Leadership Award.http://www.eurekalert.org/pub_releases/2012-03/iofb-kaw030612.php Tue, 06 Mar 2012 00:00:00 ESThttp://www.eurekalert.org/pub_releases/2012-03/iofb-kaw030612.php(<i>Scripps Research Institute</i>) A pair of Scripps Research Institute scientists, one a cancer biologist and the other a chemist, has been awarded $3.85 million from the National Institutes of Health (NIH) to develop a new generation of broad spectrum anti-cancer therapeutics, including breast cancer and lymphoma.http://www.eurekalert.org/pub_releases/2012-03/sri-sfs030612.php Tue, 06 Mar 2012 00:00:00 ESThttp://www.eurekalert.org/pub_releases/2012-03/sri-sfs030612.php(<i>Northwestern University</i>) Northwestern University scientists have developed a powerful analytical method that they have used to direct stem cell differentiation. Out of millions of possibilities, they rapidly identified the chemical and physical structures that can cue stem cells to become osteocytes, cells found in mature bone. Researchers can use the method, called nanocombinatorics, to build enormous libraries of physical structures varying in size from a few nanometers to many micrometers for addressing problems within and outside biology.http://www.eurekalert.org/pub_releases/2012-03/nu-isc030612.php Tue, 06 Mar 2012 00:00:00 ESThttp://www.eurekalert.org/pub_releases/2012-03/nu-isc030612.php(<i>Max-Planck-Gesellschaft</i>) Scientists from the Max Planck Institute for Heart and Lung Research in Bad Nauheim have now discovered that they can prevent the formation of metastases by blocking the receptor protein Plexin B1.http://www.eurekalert.org/pub_releases/2012-03/m-rdp030612.php Tue, 06 Mar 2012 00:00:00 ESThttp://www.eurekalert.org/pub_releases/2012-03/m-rdp030612.php(<i>H. Lee Moffitt Cancer Center & Research Institute</i>) Researchers at Moffitt Cancer Center and colleagues from 11 other institutions in the United States and the United Kingdom have used two genome-wide association studies -- one from the US and one from the UK -- to detect a novel set of genes found to be associated with epithelial ovarian cancer patient survival. The discovery could open the door to new therapies for treating epithelial ovarian cancer, the most lethal kind of gynecologic malignancy.http://www.eurekalert.org/pub_releases/2012-03/hlmc-rfp030612.php Tue, 06 Mar 2012 00:00:00 ESThttp://www.eurekalert.org/pub_releases/2012-03/hlmc-rfp030612.php(<i>Damon Runyon Cancer Research Foundation</i>) Today, the Damon Runyon Cancer Research Foundation held its first Accelerating Cancer Cures Research Symposium, focused on rebuilding the ranks of physician-scientists specially trained to translate laboratory discoveries into new cancer therapies. The event, held at Pfizer Inc headquarters, brought together academic scientists and other leading pharmaceutical companies, including Eli Lilly and Company, Celgene, Genentech, Merck, and Millennium: The Takeda Oncology Company.http://www.eurekalert.org/pub_releases/2012-03/drcr-ilj030612.php Tue, 06 Mar 2012 00:00:00 ESThttp://www.eurekalert.org/pub_releases/2012-03/drcr-ilj030612.php(<i>North Carolina State University</i>) Modeling biological systems can provide key insights for scientists and medical researchers, but periodic cycles that repeat themselves -- so-called oscillatory systems -- pose some key challenges. Researchers at North Carolina State University have developed a new method for estimating the parameters used in such models -- which may advance modeling in research areas ranging from cancer to fertility.http://www.eurekalert.org/pub_releases/2012-03/ncsu-nmf030612.php Tue, 06 Mar 2012 00:00:00 ESThttp://www.eurekalert.org/pub_releases/2012-03/ncsu-nmf030612.php(<i>IDIBELL-Bellvitge Biomedical Research Institute</i>) A study, led by the researcher at the Bellvitge Biomedical Research Institute, Manel Esteller, published in the Journal of Pathology, had identified a mechanism that explains how cancer cells escape from its original site to the lymph nodes. Investigations have uncovered that metastatic tumor cells that grow in the lymph nodes of patients with melanoma and head and neck tumors lose the activity of a protein called cadherin-11.http://www.eurekalert.org/pub_releases/2012-03/ibri-tlo030612.php Tue, 06 Mar 2012 00:00:00 ESThttp://www.eurekalert.org/pub_releases/2012-03/ibri-tlo030612.php(<i>Centro Nacional de Investigaciones Oncologicas (CNIO)</i>) Researchers from the Spanish National Cancer Research Centre working with mice have revealed that one of the main genes protecting against cancer brings two additional health benefits by boosting longevity and combating obesity. Mice carrying extra copies of the study gene eat more than normal, but are thinner -- a novel and entirely unexpected outcome.http://www.eurekalert.org/pub_releases/2012-03/cndi-csd030512.php Tue, 06 Mar 2012 00:00:00 ESThttp://www.eurekalert.org/pub_releases/2012-03/cndi-csd030512.php(<i>Journal of the National Cancer Institute</i>) Two studies published March 6 in the Journal of the National Cancer Institute provide insights about the CYP2D6 genotype in postmenopausal breast cancer patients and represent a major step forward in understanding the usefulness of CYP2D6 testing for deciding whether or not a patient should receive adjuvant tamoxifen for treatment of early-stage breast cancer.http://www.eurekalert.org/pub_releases/2012-03/jotn-sst030512.php Tue, 06 Mar 2012 00:00:00 ESThttp://www.eurekalert.org/pub_releases/2012-03/jotn-sst030512.php(<i>Journal of the National Cancer Institute</i>) The first therapeutic cancer vaccine has now been approved by the FDA, and a diverse range of therapeutic cancer vaccines directed against a spectrum of tumor-associated antigens are currently being evaluated in clinical trials, according to a review published March 6 in the Journal of the National Cancer Institute.http://www.eurekalert.org/pub_releases/2012-03/jotn-tco030512.php Tue, 06 Mar 2012 00:00:00 ESThttp://www.eurekalert.org/pub_releases/2012-03/jotn-tco030512.php(<i>University of Rochester Medical Center</i>) The number of cancer survivors in the United States has tripled since 1971 and yet gains in survival have come at the price of second malignancies and cardiovascular disease, according to a long-awaited report by a national scientific committee chaired by Lois B. Travis, M.D., Sc.D., of the University of Rochester Medical Center.http://www.eurekalert.org/pub_releases/2012-03/uorm-rhu030512.php Tue, 06 Mar 2012 00:00:00 ESThttp://www.eurekalert.org/pub_releases/2012-03/uorm-rhu030512.php(<i>University of California - Los Angeles Health Sciences</i>) Researchers at UCLA's Jonsson Comprehensive Cancer Center have uncovered how an advanced form of melanoma gets around an inhibitor, Zelboraf, which targets the mutated BRAF gene.http://www.eurekalert.org/pub_releases/2012-03/uoc--usu030212.php Tue, 06 Mar 2012 00:00:00 ESThttp://www.eurekalert.org/pub_releases/2012-03/uoc--usu030212.php(<i>Cell Press</i>) In a perfect world, we could eat to our heart's content without sacrificing our health and good looks, and now it appears that maybe we can. Mice with an extra dose of a known anti-cancer gene lose weight even as their appetites grow. Not only that, but according to the report in the March issue of the Cell Press journal Cell Metabolism, the animals also live longer, and that isn't just because they aren't getting cancer, either.http://www.eurekalert.org/pub_releases/2012-03/cp-weg022912.php Tue, 06 Mar 2012 00:00:00 ESThttp://www.eurekalert.org/pub_releases/2012-03/cp-weg022912.php(<i>DOE/Brookhaven National Laboratory</i>) Scientists have deciphered molecular-level details of the complex choreography by which intricate cellular proteins recognize and bind to DNA to start the DNA replication process. The research may point to ways to block unwanted cell division.http://www.eurekalert.org/pub_releases/2012-03/dnl-srh022912.php Tue, 06 Mar 2012 00:00:00 ESThttp://www.eurekalert.org/pub_releases/2012-03/dnl-srh022912.php(<i>University of California - San Diego</i>) A team of scientists at the University of California, San Diego Moores Cancer Center has identified a novel protein expressed by breast cancer cells -- but not normal adult tissues -- that could provide a new target for future anti-cancer drugs and treatments.http://www.eurekalert.org/pub_releases/2012-03/uoc--edp030512.php Mon, 05 Mar 2012 00:00:00 ESThttp://www.eurekalert.org/pub_releases/2012-03/uoc--edp030512.php(<i>Ohio State University Medical Center</i>) A new study provides evidence that immune cells called T lymphocytes, or T cells, can develop in human tonsils. The cells have been thought to develop only in the thymus, an organ of the immune system that sits on the heart. The findings could be important for improving stem-cell transplantation and for understanding the development of T-cell cancers and autoimmune diseases.http://www.eurekalert.org/pub_releases/2012-03/osum-tmt030512.php Mon, 05 Mar 2012 00:00:00 ESThttp://www.eurekalert.org/pub_releases/2012-03/osum-tmt030512.php(<i>University of Gothenburg</i>) Every day 18 Swedish women are diagnosed with breast cancer. Although there is a real need for support and information, many women struggle and get lost in the deluge of information. In a study of 227 women, researchers at the Sahlgrenska Academy at the University of Gothenburg, Sweden, have developed a web-based program to guide patients all the way from diagnosis to rehabilitation.http://www.eurekalert.org/pub_releases/2012-03/uog-wsh030512.php Mon, 05 Mar 2012 00:00:00 ESThttp://www.eurekalert.org/pub_releases/2012-03/uog-wsh030512.php(<i>University of Pennsylvania School of Medicine</i>) Researchers from the Perelman School of Medicine at the University of Pennsylvania report this month in Cancer Research a universal approach to personalized cancer therapy based on T cells. It is the first time a system for making an adaptable, engineered T-cell to attack specific tumor types has been proposed, depending on which abnormal proteins, called antigens, are expressed by individual patients' tumor cells.http://www.eurekalert.org/pub_releases/2012-03/uops-nup030512.php Mon, 05 Mar 2012 00:00:00 ESThttp://www.eurekalert.org/pub_releases/2012-03/uops-nup030512.php(<i>Deane, Smith & Partners</i>) Chinese Minister of Health, Dr. Zhu Chen, will hold talks tomorrow, March 6, with leading cancer researchers from across the US and China with the goal of developing a stronger platform for broader Sino-US research collaboration and creating deeper ties to fast-track cancer research.http://www.eurekalert.org/pub_releases/2012-03/dsm-cmo030512.php Mon, 05 Mar 2012 00:00:00 ESThttp://www.eurekalert.org/pub_releases/2012-03/dsm-cmo030512.php(<i>University of Zurich</i>) Researchers from the University of Zurich have found a cellular brake that protects cancer cells from chemotherapy -- and they demonstrate which medication can be used to render it inoperative. Their study published in the journal Natural Structural and Molecular Biology provides the molecular basis for promising therapeutic advances.http://www.eurekalert.org/pub_releases/2012-03/uoz-hcb030512.php Mon, 05 Mar 2012 00:00:00 ESThttp://www.eurekalert.org/pub_releases/2012-03/uoz-hcb030512.php(<i>The Translational Genomics Research Institute</i>) Two research scientists from the Translational Genomics Research Institute will discuss the potential of ?Personalize Medicine? at a forum organized as part of the Arizona SciTech Festival. The free public forum, presented by public radio station KJZZ and Rio Salado College, is scheduled from 7-9 pm March 8 at the Rio Salado Conference Center, 2323 W. 14th Street, Tempe, Ariz.http://www.eurekalert.org/pub_releases/2012-03/ttgr-trs030212.php Mon, 05 Mar 2012 00:00:00 ESThttp://www.eurekalert.org/pub_releases/2012-03/ttgr-trs030212.php(<i>Yale University</i>) Even though a large clinical study demonstrated that radiation has limited benefit in treating breast cancer in some older women, there was little change in the use of radiation among older women in the Medicare program, Yale School of Medicine researchers report in the March Journal of Clinical Oncology.http://www.eurekalert.org/pub_releases/2012-03/yu-rsu030112.php Mon, 05 Mar 2012 00:00:00 ESThttp://www.eurekalert.org/pub_releases/2012-03/yu-rsu030112.php

Source: http://www.eurekalert.org/rss/cancer.xml

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FOR KIDS: Finding a home in science

Homeless teen finds fame, refuge in marine biology research

Web edition : Tuesday, March 6th, 2012

A high school?student spent several years studying how mussels in Long Island Sound?s salt marshes protect themselves from predatory crabs. Her work?recently won the girl a semifinalist spot in a major national science competition. More importantly, it helped this young scientist ? at the time homeless ??take her mind off of out-of-school stress.? ?I decided that if I keep doing what I love I can make a better life for myself," she says. And Samantha Garvey has.? Her mussel research has even helped her obtain the money for college, the first step toward what she hopes will be career in marine ecology.??

Visit the new?Science News for Kids?website?and read the full story:?Finding a home in science


Found in: Science News For Kids

Source: http://www.sciencenews.org/view/generic/id/338959/title/FOR_KIDS_Finding_a_home_in_science

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4th-quarter unit labor costs revised up sharply

WASHINGTON (Reuters) - Wages rose much faster than initially thought in the fourth-quarter amid modest gains in productivity, but labor market slack will keep inflation pressures contained.

Unit labor costs rose at annual rate of 2.8 percent, the Labor Department said on Wednesday, revised up from the 1.2 percent pace it reported last month.

Economists had expected unit labor costs, which are closely watched by the Federal Reserve for signs of inflation, would be unrevised. Wages rose at an upwardly revised 3.9 percent pace in the third quarter, which was previously reported as a 2.1 percent drop.

The relatively firmer pace of wage growth was flagged in last week's revised fourth-quarter gross domestic product report. The economy grew at a 3 percent rate in the final three months of 2011 rather than 2.8 percent.

Non-farm productivity increased at a 0.9 percent pace, the Labor Department said on Wednesday, an upward revision to its previous estimate of 0.7 percent.

Economists polled by Reuters had forecast productivity, which measures hourly output per worker, being revised up to a 0.8 percent growth rate. Productivity rose at a 1.8 percent pace in the third quarter.

Productivity has slowed after growing rapidly as the economy emerged from the 2007-09 recession, suggesting that business will have to hire more workers to increase output.

(Reporting by Lucia Mutikani; Editing by Neil Stempleman)

Source: http://news.yahoo.com/4th-quarter-unit-labor-costs-revised-sharply-133230037.html

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How you break digital law daily (and what to do)

Featurepics.com

By Adam Dachis, Lifehacker

You share music, rip DVDs, make Hitler whine about your first world problems, and much more in the course of your regular online activities ? and more often than not, you do these things without giving a thought to the fact that you're actually breaking the law. Here's a look at how you're inevitably circumventing copyright law and what you can do to protect yourself.

Why it's almost impossible to avoid breaking copyright law
Copyright law is extremely complex. It's so complex that lawyers, lawmakers, and experts heavily argue over how it's interpreted and applied. Nonetheless, if you commit a crime, you can't use ignorance as an excuse. The law doesn't (officially) offer leniency for misunderstanding or lack of knowledge. So how can you comply with convoluted copyright laws when you can't realistically understand them all? You can't, and so you may end up breaking these laws on a regular basis without ever knowing it.

To make matters worse, a spectrum of illegality makes it acceptable to break the rules in some circumstances yet not others. Experience tells us that uploading a home video to a video sharing website (e.g. YouTube) that features a copyrighted song is sometimes okay, but downloading a television episode is not.

Both of these actions are similarly illegal, but the first example is regularly tolerated while the second can lead to a loss of Internet connectivity, a fine, or even jail time (depending on the number of offenses and how often copyright holders decide to "catch" you).

Just as it's easier for us to circumvent copyright law online, it's easier for copyright holders to come after us. I spoke with Derek Bambauer, assistant professor of law at Brooklyn Law School, who explained this is particularly problematic because infringement is often only a byproduct of the way we communicate and bears no intention of doing anything illegal:

The tricky thing is, if you and I want to share a recipe then I photocopy it and then come over to your office and give it to you ? so it's just you and me. If I want to do it online, the odds are pretty good that we're going to do it on a social network or a blog or something like that. That means that the blog is all of the sudden a choke point ? something that people who want to keep us from doing this can exert control over. The way the law deals with this is with the notice of takedown under the Digital Millennium Copyright Act (DMCA), but that's just on the copyright owner's say-so. The copyright owner says "That's infringing!" and the site should take it down. You can get it back up, but you have to file a counter notice and it takes somewhere between 10 and 14 days. It's a lot of hassle. Copyright owners, through the DMCA, have a good deal of control over the way we communicate.

But because rights holders are often fickle about what they choose to have removed and what to leave alone, it's difficult to rely on the law for guidance. The result is that we ? the average users and consumers of the Internet ? are unsure of how to proceed when dealing with copyrighted works and either have to assume we have no rights or make our best guess and hope it doesn't lead to legal consequences.

It all comes down to this reality: you will often have to circumvent or ignore copyright law to go on with your regular activities. Fortunately, there are ways to handle these circumstances better and keep yourself out of trouble. In this post, we're going to look at specific situations you encounter on a regular basis and what you can do to protect yourself.

The ways you're breaking the law (and how you can protect yourself)
Tolerated action: Mix "tapes"

The idea of the mix tape has been around for many years. It came with the invention of the compact cassette tape and the ability to record songs from the radio or other sources. This made it possible for us to create our first "playlists" of songs we liked and share them with others. With tapes, this required time and effort. Now that we have digital music files, we can throw together a mix "tape" in a matter of seconds. Initially this was a big problem because it removed the barrier of effort from sharing copyrighted music with others.

While the action of making a mix tape violated copyright law, too, it was tolerated because it required a lot of effort, had a inefficient method of mass distribution, and was often an effective marketing tool.

Digital files made mass distribution both efficient and easy, which led to intolerance on behalf of the Recording Industry Association of America (RIAA) and several ineffective law suits. Today, sharing is mostly tolerated because the problem appears to be insurmountable. The recording industry, to some extent, has found it necessary to accept the existence of music piracy and begrudgingly align themselves with online music sales and distributions services like Apple's iTunes and the Amazon MP3 Store. For the most part, consumers won the battle because they ended up with simple online purchasing methods that cost less money and music that, essentially, has no real restrictions of use.

Despite all of that, you're legally prohibited from sharing your music on a large scale. Posting the actual song files online is particularly problematic. The recording industry even fought Amazon's Cloud Drive, which allows the online storage and playback of digital music without any sharing features at all. While Amazon ultimately won that battle, you and I don't have their legal resources.

If you decide to store a few songs online and share them openly with others ? even if it's solely for the purpose of collective listening at a party or office environment ? you run the risk of account suspension with the company hosting your files. You could even face legal action, although a DMCA takedown request asking you to simply remove the files is the most likely consequence.

While you're putting yourself at risk by uploading your music to, say, a Web host, there are several services you can use to share music with others without the likelihood of retribution. Turntable.fm is one of our favorite collaborative playlist services. It allows you to upload songs online and faux-DJ with others who join your room. They can contribute songs to the playlist as well and everyone can provide live feedback about the music they're hearing. Chatting is also an option.

While there are few dire consequences nowadays when it comes to sharing music online, using a service like Turntable.fm offers a better experience than simply posting files. This kind of reasonable use is tolerated, even though it's not perfectly legal or desired by the recording industry.

Illegal action: Downloading TV shows and movies
It's unlikely that anyone who's spent a moment online is unaware of the illegality associated with downloading unlicensed TV shows and movies from file sharing services. Nonetheless, it's extremely common, but the cause varies. While some are undoubtedly stealing television and film content because they simply do not want to pay, many are employing piracy because the barrier to entry is unrealistic for most consumers.

Derek Bambauer explains, using HBO's "Game of Thrones" series as an example:

If you want to see "Game of Thrones" (and I do), your options are 1) subscribe to cable plus HBO, or 2) pirate. I think the series rocks, but I'm not paying $100 a month for it. If HBO expects me to do so, it weakens their moral claim against piracy. Unconvinced? Imagine instead that HBO offers to let you watch "Game of Thrones" for free ? but the only place on Earth you can view the series is in the Kodak Theater in Hollywood. You're located in rural Iowa? Well, you've no cause for complaint! Fly to LA! I suspect that translating costs into physical costs makes the argument clearer: HBO charges not only for the content, but bundles it with one particular delivery medium. If that medium is unavailable to you, or unaffordable, you're out of luck. Unless, of course, you have broadband, and can BitTorrent.

So what can you do? As you might imagine from Derek's example, your options are pretty limited. Although you can find many shows and movies on services like Netflix, Hulu, Amazon, and iTunes, those services are often lacking in content (like "Game of Thrones") that is too difficult, expensive, or sometimes even impossible (e.g. if you live outside of the United States) to acquire.

Although you can encrypt and anonymize your BitTorrent traffic or subscribe to a Usenet provider that offers a connection via SSL to protect yourself when downloading anything from either service, you still have no legal right to download any copyrighted content without expressed permission.

For now there is little we can do to make this situation better other than encourage the film and television industries to regard piracy as competition. As iTunes has proven with music and cartoonist The Oatmeal has cleverly illustrated, when it's easier and affordable to use the legal route, that's the route most people will take.

Tolerated action: Mashups and other derivative works
Creating derivative works ? the process of using copyrighted material to create something new ? is illegal if you do not obtain permission from the rights holders. Nonetheless, this action is often tolerated because it often serves as a unique marketing tool for the content in use. Whether a derivative work will be tolerated or not is entirely unknown as rights holders have reacted both positively and negatively in many circumstances.

A popular example of a derivative work that has both been prosecuted and tolerated is the Downfall/Hitler Reacts meme. Despite the approval of the original film's director, the production company (Constantin Films) began serving DMCA takedown notices to YouTube for the parodies because they were seen as distasteful by one of the company heads. Many were re-uploaded to YouTube and other sites and Constantin Films gave up the pursuit after a few months. The derivative work was simply too popular to silence.

This situation is indicative of the problem you face when creating derivative works without permission. Because you are circumventing copyright law, you know you have the risk of your work being removed from the Internet. You would, ideally, obtain permission before posting a derivative work you created, but that course of action is often too difficult and too expensive for the average person. Professional and political activist Lawrence Lessig aligns many derivative works with quoting and believes preventing this action stifles creativity:

Both professionals, such as the band Girl Talk or the artist Candice Breitz, and amateurs, including thousands creating videos posted on YouTube, are finding themselves the target of overeager lawyers. Because their creativity captures or includes the creativity of others, the owners of the original creation are increasingly invoking copyright to stop the spread of this unauthorized speech. This new work builds upon the old by in effect "quoting" the old. But while writers with words have had the freedom to quote since time immemorial, "writers" with digital technology have not yet earned this right. Instead, the lawyers insist permission is required to include the protected work in anything new.

Though Lessig's hopes for the future of remixes and mashups are better for creativity, for now they are just hopes. That said, you're not forced into simply posting your work online and hoping for the best. There are a few things you can do to avoid those overeager lawyers. Derek Bambauer offers a few suggestions:

  1. Post to smaller, niche-sharing sites that don't automatically remove content that may contain (or appear to contain) copyrighted works.
  2. If you want to post to larger sites, mirror the content on smaller sites as well.
  3. Post to sites that use off-shore servers and are not subject to the DMCA.

Of course, creating a mashup or other kind of derivative work without expressed permission means you are breaking copyright law. If you profit from the work, you are absolutely putting yourself at risk. Although recent history has shown us that derivative works generally receive little more than a DMCA takedown notice, the risk is still present. Consider it heavily before you choose whether or not to proceed.

Illegal action: Removing copy protection
In general, the Digital Millenium Copyright Act (DMCA) prevents the removal of any copy protection methods employed by a media publisher. In July 2010, a few exceptions were made for various forms of media in specific circumstances. Many people took these new rules to mean you could now break copy protection schemes on legally obtained media and software. For example, many cheered on the right to rip a DVD for use on their portable media players and smartphones. The problem is that ripping a DVD for personal use still isn't permissible by law. Here are the actual exceptions:

  • You can rip a DVD to obtain a portion of its contents for educational purposes or criticism, governed by fair use.
  • You can jailbreak, root, or unlock your phone to run legally obtained software or to use it with a different carrier.
  • You can break video game encryption for security-testing purposes.
  • You can crack computer programs that require hardware dongles to run only if the dongles are obsolete or unobtainable.
  • You can use a computer-synthesized voice to read an e-book to you regardless of any restrictions imposed by that book or its publisher.

When it comes to reasonable personal use, the law really isn't on your side. The advantage you do have, in most cases, is anonymity. If you're breaking copy protection so you're able to use legally obtained media or software in the way that you want without sharing it, it's virtually impossible for anyone to find out. It's also very unlikely that you'd prosecuted for breaking copy protection solely for personal use because proving damages would be difficult and not worth the cost. For the most part, you're in the clear and really only have to worry if you find yourself in the highly unlikely circumstance of having your hard drive seized during a legal investigation.

There are really only two minor concerns you'll want to be aware of. The first relates to a decision in the case of RealNetworks v. DVD CCA, which decided the manufacturing of DVD ripping tools was illegal. Said the Electronic Frontier Foundation:

While it may well be fair use for an individual consumer to store a backup copy of a personally owned DVD on that individual's computer, a federal law has nonetheless made it illegal to manufacture or traffic in a device or tool that permits a consumer to make such copies.

This means there is some risk of DVD-ripping tools becoming unavailable. Nonetheless, this decision was made in 2009 and thus far there is no lack of available options. Your other concern may be your warranty, which is really only relevant when breaking protection schemes on smartphones. While you can do this legally, you're often going to void your warranty if you cause a problem that's clearly the result of the jailbreaking, rooting, or unlocking process. The bottom line is this: don't share files or software with copy protection you've removed and proceed with caution if you warranty is at risk. Keep those things in mind and it's unlikely you'll run into trouble.

Illegal action: Using commercial software you didn't pay for
Pirated software is illegal, and that's something most of us know and wouldn't refute. That said, there are circumstances where you may have a legitimate reason for pirating an app or two. Here are a few examples:

  • You want to try out an app before you buy it but there isn't an available demo (or the trial period is unreasonably short, such as the trial/refund availabiltiy period of 15 minutes offered by the Google Android Marketplace.)
  • You purchased a used computer that came with used software but you didn't receive all the licenses and need to reinstall the software.
  • You own the software but your copy protection dongle broke or you permanently lost your registration information.
  • The copy protection imposed on your legally obtained software is frustrating and prohibitive, so you use a pirated copy despite actually owning the legal software. (I'm looking at you, music production software.)
  • Someone gave you free software and you were led to believe it was legal to use but, in reality, it wasn't.

While you should do the right thing and support developers by paying for their software, if you have a legitimate reason to use pirated software for a limited time (or to correct a problem with your legally obtained copy) you should protect yourself so you're not grouped in with people who are stealing for the sake of stealing. Currently, this means either encrypting and anonymizing your BitTorrent traffic or using subscribing to a Usenet provider that offers a connection via SSL.

Although these routes are available to you, it's best to avoid piracy altogether. If you're considering software piracy because of the high cost of software, don't forget that there are lots of ways to get steep discounts. Ultimately there are few reasonable justifications for pirating software and the law will not be on your side.

What about everything else?
The above examples only scratch the surface of the various copyright issues you can run into on a daily basis, which leaves the question of "How do I communicate and share online without putting myself at risk?"

While there's currently no clear answer, Derek Bambauer suggests you ask yourself one simple question: "Does this feel wrong to me?" While the answer may not always guide you to a fully legal answer, as copyright law is currently comprised of so many gray areas, your own moral compass is often your most reliable guide.

A very special thanks goes out to Derek Bambauer, assistant professor of law at Brooklyn Law School, for his assistance with this post. You can find his blog here. Also, thank you to my anonymous government pals who provided guidance in the early stages of writing this article. You keep me hopeful.

More stories from Lifehacker:

Source: http://digitallife.today.msnbc.msn.com/_news/2012/03/04/10576672-how-you-break-digital-law-daily-and-what-to-do-about-it?preview=true

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