caineimman: March 2012

Saturday, March 31, 2012

Vicki Joiner Bowers, P.A., Elder Law

Vicki Bowers graduated magna cum laude from Jacksonville University in 1994. She earned her Juris Doctorate from Stetson University College of Law in 1997.

Vicki Bowers is one of only 87 Florida attorneys who is a Board Certified Elder Law Attorney by the Florida Bar Board of Legal Specialization and Education, she is a Certified Elder Law Attorney by the National Elder Law Foundation, and is also a Veterans Administration accredited attorney. She is also among the five percent of Florida attorneys named to the Florida Super Lawyers list annually since 2008.

Specializing in elder law focuses Vicki Bowers? practice on the unique issues faced by the elderly, the disabled, and their families. Services include wills, trusts, special needs trusts, durable powers of attorney, advance directives, nursing home placement and discharge issues, long term care, Medicaid and Social Security Income planning,Veterans Benefits, guardianship and probate. While specializing in the legal needs of the elderly and disabled, Vicki Joiner Bowers, P.A. provides assistance in these areas to individuals of any age or stage of life.

Vicki frequently speaks on topics relating to elder law and planning issues, and has published articles on advance directives and long term care planning.

4540 Southside Blvd., Suite 303, Jacksonville, FL 32216 | 904.998.0724?bowerselderlaw.com

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Healthcare Transcription Expertise ? Helping Help Healthcare Unit ...

Posted by freelancewritingjobs on Marzec 30, 2012
Jobs

Like another vital system, healthcare services really need a built workflow hospital crisis management plan aided as a result of quality inputs to create desired outcomes. Fresh technologies, growing job calls for and office personnel shortages combine pressure to help you job routines daily. Clinical professionals, nurses and also therapists and social people, clergy and the majority other staff experience a number of stressors that boost your employees basic superior delivery in care. Physicians ended up initially distrustful about accomplishing complex surgical procedures and operations without resorting to blood transfusions. There were many changes in the manner these expert services work; about the most notable currently being services which might be not limited to the actual physical proximity with the healthcare skilled or medical facility.

To be able to communicate medical information to stakeholders inside the healthcare sequence: With the particular emergence from the move in direction of nationwide medical systems, one with the top items of medical facilities is always to develop the flexibility for you to exchange medical information inside of a secure and also quick means. Taking much more intellectually strenuous courses for example science, mathmatical, English, therapy, and home business will make the academic foundation for transforming into a healthcare supervisor. Medical transcription may be the process in converting the particular audio records with the patient-healthcare skilled encounter in a text framework and plays a critical role with providing support to healthcare system.

We will usually see the expression or buying into a medical practice ?healthcare? and also ?health care? though are unsure whether or not they are exactly the same. Within the last few years, we have witnessed serious efforts built to motivate physicians upskill the direction they treat their particular patients. At a most necessary definition, ?health care? was a site offered as a result of trained authorities to subjects. ?FARRENEHEIT: FOI ? That Freedom in Information Conduct yourself aims to create information put on by health care consulting authorities much more accessible to public and also allows people and organisations to request lots of material,? stated receptive blogger Demetrius Cannon. A that wears well put together outfits and also matching gadgets creates an impact that he/she is well-organized. Copywriting just for medical industry is often a complex job and far different through other areas. If you would like learning much more about medical staffing and also medical staffing franchises as fortunately they are known appear them on franchise ad providers or look at directly recommended to their websites. Another bureau that certifies medical professionals might be National Acquaintance for Residence Care and also Hospice (NAHC). Many companies of medicine for example oncology require the application of dangerous treatment plans. One with the main training of actions for cancer malignancy patients might be radiation counseling and drug-based chemotherapy. The medical profession is often a big an individual. Many persons never would?ve guessed why these professionals would?ve a use a great iPad.

Tags: acquisition strategies, buying a medical practice, healthcare consulting firms

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Midshipmen Arrive to the Isle of Youth (+ photos) | Radio Caribe

Nueva Gerona, March 27. ? With a hundred of officers and midshipmen from the Naval Academy Granma, arrived from Havana this Monday at the port of Nueva Gerona, in the Isle of Youth, the training ship ?Carlos Manuel de C?spedes?, along with ?Tuxco? and ?XIV Festival? ships.

In the harbor they were received by authorities of the territory, and a representation of the Jos? Mart? Elementary Students? Organization (OPJM by its Spanish acronym) who carried out a greeting cultural activity.

In a welcome message, the primary student Osvaldo Pupo said he was convinced the midshipmen will know to defend our land from this same sea they are sailing in a training trip of several weeks.

The circumnavigation of Cuba is dedicated to 50^th anniversary of the founding of the Young Communists? League (UJC by its Spanish acronym); it aims the midshipmen to exercise the skills learned in class as well as to develop abilities previous to their graduation as officers of the Cuban Revolutionary Navy (MGR by its Spanish acronym).

Nueva Gerona?s port is the second one where the ships stop over, the next ones will be Cienfuegos?, in the center of the country, Santiago de Cuba?s, Holgu?n?s and Matanzas?, a second phase to perform what the students have learned in navy school about navigation, exploitation of technical means, energy installations and radars and communications systems, among other issues.

These young people will receive certifications on Naval Science, Communications, Radio Electronics and Mechanical Engineering.

The midshipmen toured historical sites of the Isle of Youth, and had a meeting with young men of the Military Sector of the Special Municipality.

By Jorge Chales Urquiza

Translated by Kerlitza Rodr?guez D?az

Tags: Cuban Revolutionary Navy, Isle of Youth, midshipmen

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Friday, March 30, 2012

Furniture Removalists for Quick Moving and Relocation | Real Estate ...

A number of people relocate to new house at new place for various personal and professional reasons. And, most of the people find difficulty with the packing and moving of their household and other important articles. So, a number of people opt for furniture removal companies who provide perfect solution for relocation problems. Most of the he professional furniture removalists offer a number of services besides furniture removing that include household removals, corporate relocation, office removals, antique and fine art removals, metropolitan furniture removals, country removals, interstate removals, overseas removals, packing and unpacking services, pet relocation, supplying of carton boxes and packaging materials for removals, house cleaning, car, boat and caravan relocation, storing and warehousing facilities. Furniture removals Brisbane is very popular among the people of Brisbane, Australia who offer comprehensive set of services for every kind of local move, to the next suburb, across the country or inter-state removals.

The reputed and professional furniture removal companies in Australia are members of the Australian Furniture Removalist Association. This association accredits only to those furniture removalists that have the necessary and appropriate equipment, vehicles, premises and trained staff needed for professional moving. The members under this association are authorised to provide Transit Insurance for all goods being moved and have to carry Public liability insurance as well. Public liability insurance is one of the priciest insurance and in cases when some mishap or damage occurs, then the company has to pay for the expenses or replacement of the damaged goods. Apart from public liability insurance, there is declared value insurance in which the worth of the assests is stated, and if some damage or amiss happens, then the company will be obligated to pay for the expenses and repairing charges. The total value of the assets is calculated and written down with the mutual consent of both the parties. Some of the furniture removalists also offer another kind of insurance based on weight of the assets. The value of the assets is calculated on the basis of the price per pound of weight. So, in cases of anything damaged or stolen while moving or relocating, the customer has every right to go to the insurance company and claim the compensation.

Companies like furniture removals gold coast in Australia has a vast experience in relocation, packing, storing and office moving services. They provide relocation services at very competetive prices and specialize dealing with expensive and delicate items such as piano, interior decoration showpieces and paintings etc. Moving companies like removals gold coast provide customers with useful and informative tips in terms of how to move the home successfully and how to settle down in their new home quickly. These companies also provide storage facilities for storing valuable possessions and guarantee complete safety and security of the goods. There are various storage plans available for the customers to choose from, depending on the time period requirement for days and up to years. The valuable and expensive items are, generally, stored in the plastic and high quality cartons as per A.F.R.A (Australian Furniture Removalist Association) storage procedures.

Source: http://sipd2010.com/furniture-removalists-for-quick-moving-and-relocation/

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What to know about When Choosing a Physical Therapist ...

When a person sustains an injury by phyiscal activity that needs an engaged function from an outside individual to help the hurt person restore complete control of the hurt organ, a physical therapist is necessary. These kinds of accidental injuries frequently occur during sporting events, and several sports clubs even have their own physical therapists on the side lines at the ready when such injuries occur. For instance, when a baseball player sustains a significant ACL tear, a physical therapist will become mandatory for that player to fully gain back control over his/her leg and return to play. Oftentimes physical therapy can go on for many years, when the injury is great enough.

Getting an excellent physical therapist with numerous years of expertise dealing with certain accidental injuries in your activity is essential, if you are an sportsman. Sustained stress of the muscular tissues associated with pitching balls at great speeds often impacts a lot of baseball pitchers by inflicting rotator cuff injuries. As such, pitchers have to get physical therapists that have treated baseball players with such injuries in the past. Football players sustain injuries running the gamut, from broken bones to shattered fingers. Understanding precisely what workout routines to run, and just what procedures to put the ball player through to assist him/her restore complete control over their body is one thing an excellent physical therapist should be aware of.

Oftentimes physical therapy requires numerous straightforward exercises repeated over a prolonged period of time. If one has suffered a broken leg and is bedridden for many months, inevitably a few leg muscles will atrophy. A physical therapist will be necessary in aiding the patient in walking once again as soon as this process occurs. The physical therapist will begin small: usually they?re going to have the patient start by taking what are fundamentally baby steps over small distances. The physical therapist will have the patient move from short distances to lengthier distances after a set period of time, and this will eventually lead the patient to full use of his/legs, as before the accident.

Physical therapy is not only beneficial in sports, however. Physical therapy might be necessary to any individual that has suffered a major injury resulting in decrease of some significant bodily function. Vehicle accidents, work related accidental injuries, along with other varieties of experienced major trauma may possibly all result in the usage of a physical therapist.

If you require a physical therapist, make sure you shop around before selecting on a final therapist to utilize. The therapist ought to be ready to invest enough time required for you to regain full functioning of whatever part of the body ails you, and they should have some sense of understanding your specific kind of injury. Also, ensuring your own specialist is close by in order that excessive strain isn?t placed on the body simply by getting to and from your therapist?s business office is also smart. It could be a good choice to locate a trustworthy person to transport you to and from your therapist?s place of work, depending on your unique injury, if there are no therapists in your area.

If you would really like far more info on physical therapists in your area, please have a look at our website to read more about physical therapists in frisco.

Source: http://wordnice.com/health-fitness/what-to-know-about-when-choosing-a-physical-therapist/?utm_source=rss&utm_medium=rss&utm_campaign=what-to-know-about-when-choosing-a-physical-therapist

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Self Help Information That You Must Know | PR ?l?nky

[unable to retrieve full-text content]If you want to have a more good attitude, then generate good affirmations that you intend to reside by. Affirmations are primarily optimistic thoughts. Coping with an optimistic perspective may help lead your mind to your ...

Source: http://www.novinky-cz.com/internet/self-help-information-that-you-must-know.html

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Thursday, March 29, 2012

Custom Wheels for a Classic Car Show | Cars Festival

You?ve ?u?t bought a new car but d?f?n?tely feel th?t th? factory-made rims ?nd wheels hav? to go. After all, the? are oh-so-boring and plain, n?t t? mention ?v?ry ?ther driver w?th the sam? make and model w?ll have the ?ame set ?f wheels. So ??u h?ve made th? decision to change the rims to ?ometh?ng which suits y?ur personality. Well, y?u ?r? d?finitel? open f?r choice b??ause ther? ar? m?n? diff?rent custom wheels th?t y?u c?n purchase. For starters k??? in mind th?t the price ?f ???h set of wheels will vary depending on th? manufacturer and ?r auto shop you buy th?m from. A general rule ?f thumb i? th?t ?f ??u pay le?? that i? wh?t y?u w?ll ultimately get. We ?r? n?t advocating buying expensive custom wheels r?ther you ne?d t? be careful ?f wh?t you buy be??u?? ?ou w?nt to watch out for quality. It w?uld b? ap?r??r?ate ?f at th?? point ?n time ?ou start thinking ?f ??ur budget f?r ?our custom wheels. How much are ?ou will?ng t? pay for them?

Additionally, d?d ?ou know th?t b? changing y?ur cars? wheels and rims, ?ou ?ould unintentionally ??u?e ??ur car manufacturer?s warranty t? b?come null ?nd void? This ?? th? reason wh? ?ou n??d t? select ?n auto shop whi?h ??n give ?ou the be?t advice ?nd information if ??u w?nt to purchase custom wheels. You d? n?t w?nt to accidentally purchase wheels that l??k gorgeous but d?n?t fit the specifications ?nd end up w?th m?re troubles ?n the end. First off, h?v? a l?ok at your vehicle. Depending ?n how heavy ?t is, y?u n??d t? select suitable wheels that ?an bear ?t? weight. A wheel wh?ch ?? t?? big might c?us? problems to y?ur car?s brake system wh?le one which i? t?o small ??uld v?ry w?ll make ?t difficult for y?u t? turn. Typical custom wheels th?t ??u ?an choose w?uld be made ?f alloy or steel. Light alloy wheels will reduce the ov?r?ll weight ?f your vehicle ?nd that ?n turn means ?our vehicle i? now consuming l?s? petrol.

These type ?f wheels w?ll also be a good choice for you if y?u frequently encounter stop-go traffic while on the roads. You will n?t face ?ver heating ?f u??ng light alloy wheels b???u?e the? ?llow air to flow ?nto ??ur brakes. On th? other hand, if ?ou plan to u?e y?ur vehicle f?r heavy lifting ?r if ?ou will frequently us? back roads t? transport items, ?ou should opt for custom wheels made ?f steel b?caus? th?? ar? sturdy. Before a?tuall? purchasing y?ur new set ?f custom wheels, th?r? ?re s?me technical details ?f your car wh??h ?ou should b? aware of. What ?? th? maximum load rating ?f your car? Your n?w wheels ?h?uld b? compatible with that b???u?e ?f it isn?t, problems w?ll occur in th? future. You m?ght n?t th?nk much of it but ?a?h part of the car plays ?t? own role. A tiny or slight variation fr?m that w?ll affect the performance ?f y?ur car.

As such, when buying wheels, make ?ure th?t th?y have th? ??me bolt pattern ?? the ?nes you alre?d? h?v? ?n the vehicle. It w?uld be v?ry strange if ?ou eventually bought custom wheels th?t did n?t fit b?c?use the bolts ar? n?t ?n the ??m? place. Now th?t ?ou h?ve ? general idea of y?ur budget ?nd th? technical aspect of purchasing custom wheels, y?u ??n relax ? littl? ?nd think ab?ut th? style ?f wheels and rims that y?u w?nt ?n y?ur car. After all, that is th? reason why y?u decided t? g?t ? new set of wheels in the f?r?t place. You w?nt ?om?thing th?t mirrors ??ur personality ?nd give? y?ur car a l?ttl? bit of th?t extra jazz. If you ?re ?onsid?ring showing y?ur classic car then be ?ure ??u kn?w th? judges rules on custom rims.

This entry was posted on March 28, 2012, 3:49 pm and is filed under Automotive, Classic Cars, New Car Show. You can follow any responses to this entry through RSS 2.0. Both comments and pings are currently closed.

Source: http://www.osudance.org/custom-wheels-for-a-classic-car-show.html

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US stocks fall on worries about Europe's economy

Traders work on the floor of the New York Stock Exchange Tuesday, Feb. 28, 2012. World stock markets fell Thursday March 29, 2012 as signs of weakness in the world's two biggest economies kept investors at bay. (AP Photo/Richard Drew)

NEW YORK (AP) ? Stocks fell Thursday for the third day in a row after reminders that Europe has not solved its debt crisis and the U.S. economy is far from healed, despite progress on both fronts.

The Dow Jones industrial average fell 58 points in early trading to 13,069. The broader Standard & Poor's 500 fell nine points to 1,397. The Nasdaq composite index fell 15 to 3,090.

The declines came despite incrementally good news about the U.S. economy. The government said that the number of people seeking unemployment benefits last week dropped by 5,000 to about 359,000, the lowest since April 2008

The government also said that the U.S. economy grew at an annual rate of 3 percent in the fourth quarter, which met analysts' expectations and was the fastest pace since spring 2010.

But there was reason for concern, too: The government also said that many more people than it originally estimated filed unemployment claims in recent months. And economists believe the country's growth has slowed to about 1.5 percent.

European markets fell across the board, despite a report from Germany that its unemployment rate fell slightly over the month. The benchmark stock index was down 1.9 percent in Germany and 1.3 percent apiece in France and Britain.

Though Greece is no longer on the brink of default, deep problems remain for the continent, where stronger countries are arguing that they shouldn't have to bail out weaker ones.

In Spain, workers took to the streets to protest government spending cuts, underscoring the difficulty that governments will have in reining in overblown spending.

The price of oil fell 65 cents per barrel in New York to $104.73. France's prime minister said there's a "good chance" the U.S. and Europe will release oil reserves, which could drive down prices by adding supply.

President Barack Obama was expected later Thursday to call on Congress to end tax breaks for oil companies. The price of oil has doubled since October, and the price of gasoline has risen about 20 percent this year.

Among the stocks making big moves:

? Illumina, a diagnostics company, rose more than 4 percent to $52.06 after the Swiss pharmaceutical giant Roche Group raised its offer for the company to $51 per share.

? Best Buy fell more than 6 percent after announcing plans for big spending cuts, including closing 50 of its big-box stores.

? JetBlue fell 8 percent, two days after passengers said a pilot came unhinged and forced a JetBlue flight to make an emergency landing on a flight from New York to Las Vegas.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2012-03-29-Wall%20Street/id-52ef2851eac5409baa547c4f4a9a2edb

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Romney makes effort to show more personal side

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Source: http://news.yahoo.com/romney-makes-effort-show-more-personal-side-071555809.html

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Swedish defence minister quits in Saudi arms scandal

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Source: http://news.yahoo.com/swedish-defence-minister-quits-amid-saudi-arms-scandal-092857727.html

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Redknapp relishing Wembley return as Spurs beat Bolton

Source: http://news.yahoo.com/spurs-spoil-boltons-hopes-cheering-muamba-205007998.html

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Choosing the Correct Home Loan program

You have found that dream home, now which of the property loan programs is right for you? There is no simple answer to which question; home loan programs have to be studied to choose precisely what is best. This all depends on your individual family personal preferences and financial instances.

Some factors to consider when scouting for from the different loan programs. Your current financial situation, can you expect this situation to improve? How comfortable are you with a changing mortgage payment? A fixed interest rate mortgage can save you 1000?s in interest on the period of the loan, but it will likely give you higher regular monthly mortgage rates. An adjustable charge will start you out along with lower monthly payments however, you could face higher monthly payments if the costs change.

You should also consider employing a professional like Francopee finances tips help you gain control of their finance or credit card debt long term.

You have decided the kind of loan is best for an individual, now you need to choose which of the more popular home loan programs, is the best one for you.

Standard loans are guaranteed by government sponsored lenders. They are also called government sponsored agencies (GSEs). They can be used to purchase in order to refinance single family members or 4 plex residences with a first or even a second mortgage. There are generally limits that are adjusted annually if needed based on the national average of new homes. You would need to examine what the current years restrictions are for an precise amount if you were to pick this type of home loan software.

FHA loans help low income families become home owners. By protecting a home financing company from go into default they encourage companies to make loans in order to families that many not really meet normal credit history guidelines. Some of the shows of these loans are usually. Lower down payments can be as reduced a 3% versus the conventional 10% requirements. Closing costs up to 2 or 3 per cent of the house value can be borrowed, this reduces the at the start money needed. The FHA also imposes boundaries on the fees from your mortgage company such as the bank loan origination fee is not more than 1% of the level of your mortgage.

You should also consider utilizing a professional similar to FRMVB Financial Tips help you acquire control of your finance or credit card debt long term.

VA loans are available to armed service veterans who were on active duty and were dismissed under conditions apart from dishonourable discharge. Veterans with service only during peacetime periods and active obligation military personnel have to have had more than A hundred and eighty days of active service. There are other qualifications requirements. If you think you might be eligible contact your nearby or state veterans supervision representative.

The biggest element in a VA bank loan is that no deposit is required in most cases. There is not any mortgage insurance payments needed, closing costs to the buyer are also constrained. You can negotiate prices with the lender and you then have a range of payment plans with up to a 30 year mortgage loan.

You should also consider employing a professional like Ignite Salem Personal Finances help you acquire control of your finance or financial debt long term.

The last loan system we will mention is known as a subprime loan. This is a mortgage for people with poor credit who not qualify for a normal loan or a Veterans administration or FHA confirmed loan. These loans normally will require a larger deposit and have a higher monthly interest. This is because of the risk included to the mortgage company. These financial loans should normally be regarded for a limited period of time such as 2 to 4 many years. It is a good way to raise your credit score situation and then remortgage with more favorable terms.

We have shown locating or planning that new dream home is just the beginning of the trip into your new home. The correct answer to the problem, which of the home loan programs is for you, takes research and a honest look at your personal situation.

Source: http://www.westwightsportscentre.org.uk/?p=510

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What is a Roth IRA and How Does it Work?

This post is part of the #RothIRAMovement, designed to bring more awareness to the benefits of the Roth Individual Retirement Account or Arrangement (IRA). All credit goes to Jeff from GoodFinancialCents.com for starting the Roth IRA Movement and getting over 100 bloggers involved in this project.

Do you know about the Roth IRA?

Saving for your retirement is important.

You need to have money saved by the time you retire so that you can afford your expenses when you are physically and mentally unable to work.

When people talk retirement, the Roth IRA often comes up.

Rightfully so.

It?s an excellent tool to help you save more money for your retirement. I?ve used it in the past, in addition to my company?s 401K, to help me save for my own retirement needs.

Here are some characteristics of people who have a Roth IRA:

They may be just getting started with retirement investing and looking for a place to put their savings.
They may use a company 401K, but they are looking for an additional place to save.
They want to save a lot of money on taxes when they withdraw their retirement savings.
They want to have more control over their investment options and the investing fees they pay.
They want more control over their retirement savings withdrawals (i.e. use the money for a first home, major medical emergency, etc.).

Sound good? If you?re wondering what a Roth IRA is and how it works, I?m going to try to answer that for you in plain English below.

First Came the Traditional IRA

To understand the Roth IRA, it?s important to understand it?s predecessor, the Traditional IRA. The Traditional IRA and the Roth IRA are both tax-advantaged places to hold your retirement investments. Meaning, there is some type of tax savings involved. The U.S. Government created them so that you?d be encouraged to save more for your own retirement.

With a Traditional IRA, you place pre-tax dollars into the account and you don?t have to pay taxes on the contributions or earning until you start withdrawing the money at 59 and 1/2. In short, with a Traditional IRA, you get a tax break now, but you have to pay taxes on the earnings from the account when you retire and start cashing out.

This is almost identical to the way a 401K works. The major difference is control. With a 401K you are at the mercy of your employer?s choice of funds and expenses. With a Traditional IRA (as well as the Roth), you get to decide where to open the account, what to put in it, and if you want investments with low costs.

The Roth IRA Flipped Retirement Savings On Its Head

The Roth IRA is taxed just the opposite of the Traditional IRA and 401K. You place after-tax dollars into the account, and you don?t pay taxes on the contributions or earnings EVER, as long as the money is taken out in what is called a qualified withdrawal.

Because this account is so great, the government decided to put limits on it: both the amount of contributions that can be made each year and the amount of income a person can make and still contribute. In short, you can?t put an endless amount of money into the account and rich people need not participate. Be sure to review the contribution and income limits in more detail before starting up a Roth IRA.

It?s important to stress the concept that IRAs are simply places to hold your investments. They are not investments in and of themselves. You have to put something in them. Most people put some combination of stocks, bonds, and cash in their IRAs.

One last note about the Roth IRA: you have to go out and open one up for yourself. Your employer won?t do this for you. But this isn?t a negative. It?s a positive feature. Because you have complete control, you can decide where to open your Roth IRA, what to invest in, and you?ll never lose the ability to contribute if and when you change jobs.

Steps to Making the Roth IRA Work for You

So now that you have the basic concepts down, let?s look at the steps to making a Roth IRA work for you.

Decide if you want to invest for retirement using a Roth IRA. In can be used in addition to, or in place of, a company 401K.
Determine if you are eligible for the Roth IRA based on the income limitations.
Open up a Roth IRA with a mutual fund company or discount broker.
Decide what investments you want in your Roth IRA.
Start making after-tax contributions to those investments within your Roth IRA.
Continue making contributions as long as you want and are eligible.
When you?re ready, start withdrawing funds tax-free.

Hopefully this post gave you a good idea of what the Roth IRA is and how it works. At the risk of repeating myself, it?s really a great tool to help you save much more for your retirement than you normally would. Taxes can really eat into your investment earnings. If you can take taxes out of the equation then you?ll be able to keep a lot more of your hard earned money.

If you?re looking for a good video explanation of the Roth IRA, look no further than this gem from Kevin @ Thousandaire.com:

Have a question about the Roth IRA? Fire away in the comment section below.

Last Edited: March 27, 2012 @ 11:03 am

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Source: http://ptmoney.com/what-is-a-roth-ira-and-how-does-it-work/

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Administration Proposes New Power Plant Rules

The Obama administration forged ahead on Tuesday with the first-ever limits on heat-trapping pollution from new power plants, ignoring protests from industry and Republicans who have said the regulation will raise electricity prices and kill off coal, the dominant U.S. energy source.

But the proposal also fell short of environmentalists' hopes because it goes easier than it could have on coal-fired power, one of the largest sources of the gases blamed for global warming.

"The standard will check the previously uncontrolled amount (of carbon pollution) that power plants ... release into our atmosphere," Lisa Jackson, head of the Environmental Protection Agency, said in a conference call with reporters Tuesday. But "it also creates a path forward for future facilities to use technology that burns coal, while releasing less carbon pollution."

Older coal-fired power plants have already been shutting down across the country, thanks to low natural gas prices, demand from China driving up coal's price and weaker demand for electricity.

Regulations from the EPA to control pollution blowing downwind and toxic emissions from power plants have also helped push some into retirement, causing Republicans in Congress and on the campaign trail to claim the agency will cause blackouts. Numerous studies and an AP survey of power plant operators have shown that is not the case.

But on Tuesday, GOP leaders once again accused the administration of clamping down on cheap, home-grown sources of energy and said the regulation raised questions about the sincerity of President Barack Obama's pledge for an "all-of-the-above" energy policy.

"This rule is part of the Obama administration's aggressive plan to change America's energy portfolio and eliminate coal as a source of affordable, reliable electricity generation," said Rep. Fred Upton, R-Mich., who as chairman of the House Energy and Commerce Committee has led the charge against environmental regulations. "EPA continues to overstep its authority and ram through a series of overreaching regulations in it attacks on America's power sector."

The rule announced Tuesday could either derail or jump-start plans for 15 new coal-fired power plants in 10 states, depending on when they start construction. Those that break ground in the next year would be exempt from the new limit. Those that start construction later will have to eventually comply with the rule.

Existing power plants, even if they make changes that increase emissions, would not be covered at all. And new ones would have years to meet the standard and could average their emissions over three decades in order to meet the threshold.

But eventually, all coal-fired power plants would need to install equipment to capture half of their carbon pollution. While not commercially available now, the EPA projects that by 2030, no new coal-fired power plant will be built without carbon capture and storage.

By contrast, a new natural gas-fired power plant would meet the new standard without installing additional controls.

"There are areas where they could have made it a lot worse," said Scott Segal, director of the Electric Reliability Coordinating Council, a coalition of power companies. Still, "the numerical limit allows progress for natural gas and places compliance out of reach for coal-fired plants" not planning to capture and sequester carbon dioxide, the chief greenhouse gas.

Steve Miller, CEO and President of the American Coalition for Clean Coal Electricity, a group of coal-burning electricity producers, took a more dismal view of the proposal.

"The latest rule will make it impossible to build any new coal-fueled power plants and could cause the premature closure of many more coal-fueled power plants operating today," Miller said.

The regulation, which was due to be released last July but has been stuck at the White House since November, stemmed from a settlement with environmental groups and states. The government already controls global warming pollution at the largest industrial sources, has adopted the first-ever standards for new cars and trucks and is working on regulations to reduce greenhouse gases at refineries.

But EPA chief Jackson said Tuesday the agency has no plans to pursue regulations for existing power plants.

Some states, including Washington, Oregon and California, already limit greenhouse gas pollution. And two other states, Montana and Illinois, require carbon capture and storage for all new coal-fired power plants.

Michael Brune, executive director of the Sierra Club, an advocacy group fighting coal-fired power, said in an interview that the regulation shows that President Barack Obama is moving to a cleaner energy future.

"It's a strong move," Brune said. "It means there will never be another coal plant built without new technology, and it probably means even those won't be built because they can't compete."

Other advocacy groups, however, said the regulation was imperfect, since it "grandfathers" in existing plants.

"EPA also must focus on the main source of power plant carbon emissions existing coal-fired plants, many of them more than 50 years old, which are responsible for nearly 40 percent of U.S. carbon emissions," said Kevin Knobloch, the president of the Union of Concerned Scientists, who said the regulation was a historic step to "trim" carbon emissions.

Even if the proposal did result in no new coal-fired power plants being built in the U.S., the coal would be exported and burned for electricity elsewhere, contributing to global warming. Export would also increase emissions because of the pollution from the transportation.

But Republicans said the new rule could not come at a worse time, with concern about high gasoline prices and energy taking center stage in the presidential election.

"At a time when the Obama administration should be working to lower the price of gas at the pump, it is alarming that they have put forward more global warming regulations," said Matt Dempsey, a spokesman for Oklahoma Sen. James Inhofe, the top Republican on the Senate environment panel, who pledged on Tuesday to introduce a resolution to overturn the rule. "Republicans are committed to ensuring that the Obama EPA is finally reined in."

The 10 states with proposed new coal-fired generation that could be covered by the regulation are Texas, Illinois, Pennsylvania, Idaho, Kentucky, Michigan, Georgia, Utah, Wyoming and Kansas.

Source: http://www.npr.org/2012/03/27/149461645/administration-to-propose-new-power-plant-rules?ft=1&f=1007

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Wednesday, March 28, 2012

Tapose resurrects Courier concept for the iPad, rubs salt in your wounds (video)

Did you, like most of us, mourn the death of Microsoft's Courier like it was a relative that you never got to know as well as you would have liked. Well, as long you're willing to settle for just a single screen and are comfortable with Apple products, you might be able to fill that void in your life. Taposé delivers many of the same features as the Redmond concept, but within the confines of the iPad's 9.7-inch display. The $2.99 app, which has been in the works for some time, hit the app store yesterday, delivering the ability to copy and paste content from the web, mark it up with text and doodles then sync your notes online. You get 400MB for free with the purchase of the app, but unlimited cloud storage will set you back $30 a year. The information collecting doesn't end with snapshots of websites either, you can add audio, video and maps and do it in a dual pane layout that mimics the two-panel Courier. Hit up the source link to download it now and see it in action after the break.

Update: In case you were wondering, this is, in fact, the same Kickstarter project that Courier creator J Allard threw his money at when his pet project was axed by Microsoft.

Continue reading Tapose resurrects Courier concept for the iPad, rubs salt in your wounds (video)

Tapose resurrects Courier concept for the iPad, rubs salt in your wounds (video) originally appeared on Engadget on Wed, 28 Mar 2012 13:26:00 EDT. Please see our terms for use of feeds.

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Source: http://www.engadget.com/2012/03/28/tapose-resurrects-courier-concept-for-the-ipad/

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Building lightweight trains

ScienceDaily (Mar. 28, 2012) ? The less trains weigh, the more economical they are to run. A new material capable of withstanding even extreme stresses has now been developed. It is suitable for a variety of applications, not least diesel engine housings on trains -- and it makes these components over 35 percent lighter than their steel and aluminum counterparts.

In their efforts to render cars and trains more economical, manufacturers are trying to find lighter materials to replace those currently used. But there is a problem: Lighter materials tend not to be as tough as steel or aluminum, so they cannot simply be used in place of these metals. Rather, it is a question of manufacturers deciding which components can really afford to have weight shaved off and how to integrate them into the overall systems.

Working together with Bombardier GmbH, KraussMaffei Kunststofftechnik GmbH, Bayer MaterialScience AG, DECS GmbH, the DLR's Institute for Vehicle Concepts, the University of Stuttgart and the Karlsruhe Institute for Technology, researchers at the Fraunhofer Institute for Chemical Technology ICT in Pfinztal have now developed a polyurethane-based sandwich material that is extremely resilient. "To demonstrate the material, we manufactured a component that is subject to significant stresses and which has to fulfill a number of requirements -- the diesel engine housing for a train," says Jan Kuppinger, a scientist at the ICT. This housing is located beneath the passenger compartment, i.e. between the car and the tracks. Not only does it shield the engine against flying stones and protect the environment from any oil that might escape, but in the event of a fire, it also stops the flames from spreading, thus meeting the flame retardant and fire safety standards for railway vehicles. Kuppinger adds: "By using this new material, we can reduce the component's weight by over 35 percent -- and cut costs by 30 percent."

The researchers opted for a sandwich construction to ensure component stability: Glass fiber reinforced polyurethane layers form the outer facings, while the core is made of paper honeycomb. Polyurethane is a bulk plastic combining two substances. Since it can be adapted to fulfill various requirements, it is referred to as a 'customizable material'. In foamed form it is soft, and can be used for example as a material for mattresses; in compact form it is strong and hard. The researchers began by incorporating various additives into their polyurethane, altering it in such a way as to ensure it would meet fire safety standards. Then, the partners optimized the standard manufacturing process, fiber spraying, by developing a mixing chamber which allows even more complex structures to be produced in any required size. The diesel engine housing they made is approximately 4.5 meters long and more than 2 meters wide.

"This is the first time it has proved possible to use this process to manufacture such a large and complex component that also satisfies the structural requirements," states Kuppinger. Previously, one problem encountered with fiber spraying was that it was impossible to determine the precise thickness of the polyurethane top layers. But now the researchers have found a way to do this, using computer tomography to inspect the manufactured layers and then applying a specially-adapted evaluation routine to establish their exact thickness. This information helps to simulate the strength of the component, as well as its ability to withstand stresses.

The scientists produced their diesel engine housing demonstrator as part of the PURtrain project, which is funded by the German Federal Ministry of Education and Research (BMBF). The demonstrator passed its first strength test -- in which the scientists placed it in a test rig and then applied forces to it at various locations, measuring the extent to which it deformed -- with flying colors. In the next stage, the researchers want to trial the component in a proper field test. If that, too, proves successful, it will then be possible to use the material to make roof segments, side flaps and wind deflectors for the automobile and commercial vehicle industry, and to ramp up the manufacturing process to produce medium volumes of between 250 and 30,000 units.

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The above story is reprinted from materials provided by Fraunhofer-Gesellschaft, via AlphaGalileo.

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Source: http://www.sciencedaily.com/releases/2012/03/120328090848.htm

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HR Vendor News ? CORPORATE WEIGHT LOSS PROGRAM ...

March 27, 2012 No comments | Back To Home

Dallas/Fort-Worth, TX (March 20, 2012) America?s greatest public health issue is obesity. In fact, around 68 percent of adults in the United States are overweight or obese and one third of adult Americans never engage in any physical activity. Obesity is a major contributor to health problems such as diabetes, heart disease, musculoskeletal disorders, hypertension, cancer and low self-esteem leading to depression. Working days lost to obesity are increasing every year. One study estimated that every severely obese worker costs the economy $1,627 per year as a result of absenteeism. In 2008, lost productivity and medical costs associated with overweight and obesity in U.S. adults totaled $147 billion. Now however, there?s a corporate benefit that could make a real difference to reducing obesity in the workplace.

Slimming World, Britain?s 40-year proven weight-loss program that?s more user-friendly and easier to follow than Weight Watchers is now available online in the USA. The program is based on a healthy eating plan called Food Optimising. Those following the plan lose weight by choosing from a long list of everyday healthy filling foods and recipes that are low in fat and taking small steps to increasing daily activity. An important part of the program is ensuring support to keep slimmers focused and motivated. There are no expensive extras and no faddy shakes or supplements.

Slimming World?s corporate benefit program has already been adopted throughout the DFW Metroplex in businesses large and small, including Medical Center of Lewisville, the City of Lewisville, Mary Kay, Inc. and Heritage Auctions. These model employers offer their employees an opportunity to sign up for individual Slimming World memberships to help manage their weight and improve personal health and fitness levels. One business that offers Slimming World online to employees has already noticed an improvement in staff health. ?Our goal was to give employees the knowledge and tools to make healthier food choices and positively influence their lives as well as families and friends. We?re excited about the difference our partnership with Slimming World is making in the lives of our employees and how it has begun to reduced our absenteeism rate,? said Mindy Howard, Director of Human Resources at Heritage Auctions, Inc. See success story of Heritage Auctions? participating employee Lisa Fox at http://youtu.be/dto_-GaWsls

Today?s workplace environment promotes sedentary lifestyles with many people working long hours seated in front of computers and employees taking more sick days due to weight-related illnesses. American businesses are offering Slimming World membership to employees as part of an overall benefits package intended to help reduce obesity by promoting a healthier lifestyle and enhancing wellbeing right in the workplace. This proven program has a real advantage for companies: Slimming World?s weight loss program can raise employee retention, increase productivity, reduce absenteeism, attract new employees and ultimately boost the bottom line.

?We often blame the overweight person for a lack of discipline or self-control or we suggest modifying food in the work environment like ditching ?donut day? and removing vending machines so temptation is out of the office, but these are not the answers to successful weight loss. It takes a supportive team approach, a satiating eating plan with no deprivation, and a convenient program that is easy to follow,? says Dr. James Stubbs, UK Slimming World Obesity Research Specialist. See an interview with Dr. Stubbs at http://www.youtube.com/watch?v=cF-lDOBghLQ

Employees offered the opportunity to join Slimming World, simply log on from home or office to visit the Slimming Worldusa website with unlimited access to interactive tools that provide guidance, a food diary, inspiration and individual support based on personal progress with hundreds of searchable, easy-to-prepare recipes for meals and snacks. Members lose weight week by week without giving up foods they love. Emotional support and compassionate encouragement is an important component of Slimming World?s service, and the company truly sets its program apart from the competition with an understanding and caring attitude toward all members. In the workplace, Slimming World?s participating employees bond together and become friends, encouraging each other toward success.

The Slimming World online support team cheers them along the way or helps them with the tougher days on their journey to achieve weight loss goals. ?Our Slimming World corporate program makes weight loss both simple and satisfying where members achieve healthy goals at their own pace in total privacy. There?s no need to buy faddy ingredients or packaged foods. Food Optimising is based on normal everyday food that?s available at your neighborhood grocery store,? said Slimming World Business Development Manager Yvonne Sanders. And Slimming World?s unique physical activity program, Body Magic, is designed to help members become more active gradually, like taking the stairs instead of the elevator.

The proven program can even reach the whole family through employee participation and the convenient online program www.slimmingworldusa.com is accessible to anyone over 18 in an instant. Interactive tools, hundreds of inspirational features and hundreds of delicious recipes which are constantly updated make the program appealing and easy to follow at home or office via computer and smart phone.

About Slimming World
Slimming World is Britain?s largest and most advanced slimming organization. It was founded in 1969 to offer people a very different approach to weight loss: a hunger-busting healthy eating plan based on satiety and energy density, an activity program to suit individual needs, and group support that offers compassion and understanding. Slimming World has a deep understanding of the emotional, physical and psychological challenges faced by overweight people, and this understanding underscores the company\?s philosophy and methods. In more than four decades, Slimming World has helped millions of people to lose weight and live healthier, happier lives.

Tags: Slimming World

This entry was posted on Tuesday, March 27th, 2012 at 3:00 am and is filed under Compensation/Incentive Programs, Employee Benefits, General HR. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

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What Do Magazine Travels Give You | World Hotels Travel

The Benefits of Travel Magazines

Every journalist for this Magazines for Travelling Secrets must pay their own journey and it must be in secret. When traveling in secret; a journalist can assure the reliability of the destination reports. This also prevents the journalist as to deciding whether to advertise a restaurant or a hotel because of their free offers. This travel magazine could offer you tips of the more experienced voyagers aside from just focusing your attention on extravagant destinations. This could give you tips to the world?s finest places wherein you can go shopping, dine, and settle in islands, cities as well as cruises. This magazine is surely the best magazine to buy if you want to have an inspiration for you next great trip.

Magazines that Introduce Extravagant Places

Island magazine is a publication that gives you ideas about wonderful places that you might dream of going to. This magazine also offers information about lifestyles, culture, history and nature. A perfect armchair adventure, it?s wonderful to flick through the pages and incredible photos and dream of one day visiting one of the featured islands. With the magazines masthead, ?Destinations, adventures and dreams?? and with the help of this publication?s tips provided, it can surely help you to make your dreams come to life.

Magazines for Leisure & Voyage

This global tour magazine tells about the tips for the greatest destinations all around the world. This magazine not only offers you the hottest travel recommendations and tips on saving money and a stress-free holiday but also guidelines on the best hotels, exclusive shops, scrumptious restaurants and trendy bars.

According to the Ecologist

This magazine, which is just right for any kind of traveller, helps people with the global environmental issues from setting up food to responsibly traveling. While making a good impact towards the people that you meet and the places that you go to, this ground-breaking magazine will give you tips on how to have great adventures! As this publication challenges conventional thinking, it is also thought-provoking and entertaining. It surely empowers the readers to change.

Magazines for Voyage

This gives advice and features on travel for every person that is looking for the greatest destinations in the world. The magazine is just right for anyone who is looking for a vacation rating either top 4 or 5. This concentrates on the domestic and international sites, happenings, food and spots to go to. It also offers you tips as to how you can make your trip the best at the same time, giving worth to your money. This travel magazine can certainly help you spend the money (allotted for travel expenses) frugally even as some expensive travellers might have every dollar to spend on a luxurious vacation.

Magazines for Travelling Secrets

Type in TravelHost Magazine into Yahoo; do you find the thing you need?

Source: http://www.world-hotels-travel.com/what-do-magazine-travels-give-you?utm_source=rss&utm_medium=rss&utm_campaign=what-do-magazine-travels-give-you

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