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Tuesday, December 4, 2012
Home-owner Loans With Bad Credit - Endure Overwhelming Bad ...
Consumer credit may be perplexing, so make sure you know the best place to take a position, or maybe the huge financial institutions will reap the benefits of you. Recall, this is done in her youth - you won't. Schooling is electrical power, and intelligent customers continually turn out onward.
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Monday, December 3, 2012
Public Speaking 101: How to Emphatically Enumerate Things ...
Everyone hates a pompous lecture ? unless you?re giving it and your audience has to listen. (I.e. small children, workers with uncertain job security, the uglier person in a couple). But even a semi-tolerable lecturer will sink faster than an oafish hobo if inexpert at counting off his main points.
With military's push, biofuels can grow
US Senate voted Wednesday to restore the Defense Department's ability to buy biofuels. As the largest petroleum user in the world, the US military says its dependence on oil is a national security threat.
An F-15E Strike Eagle receives fuel from a 100th Air Refueling Wing KC-135 Stratotanker during an aerial refuelling mission over the Atlantic Ocean in this September file photograph. The Department of Defense wants the option to buy biofuels in the event that its access to oil is threatened.
Ethan Morgan/US Air Force/Handout/Reuters/File
Enlarge One of the most remarkable changes over the last five years has been the military's 'awakening' on?energy?issues. Before the Iraq War, the Pentagon just 'assumed'?energy?was always available when it war-gamed conflicts. But we now know that availability of?energy?? especially liquid fuels ? is critical for our ability to fight and win our wars.
?
The US Department of Defense is the largest user of petroleum in the world. In fiscal year 2011, it used 117 million barrels of oil ? almost 5 billion gallons of petroleum products in one year. This amounts to about 2 percent of the total usage of the country. This all came at a cost of $17.3 billion in 2011. This adds up to about 80 percent of the government's total?energy?consumption.
?
Napoleon used to say that an army marches on its stomach. Our military today fights based on a sea of oil. During World War II, our Army used about one gallon of fuel per day, per soldier. We now use an average of 20 gallons per day, per soldier when deployed in Afghanistan.
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For strategic and budgetary reasons, the military has identified this dependence on oil ? a single point of failure ? as a threat to national security. The Air Force and (especially) the Navy have embarked on a program to address this threat. Put together, the potential market for Air Force and Navy biofuels is expected to be about 700 million gallons per year by 2020. For an industry that is only just beginning to commercially produce fuel now, that will require significant investment. But it also should give investors some certainty that there will be a buyer for these fuels, so long as they are available. Once capital is made available for commercial-scale plants, this sector can grow very quickly.
On Wednesday, the Senate passed an amendment to the 2013 Defense Authorization bill that would restore the military's ability to buy biofuels. A previous amendment by Sen. James Inhofe (R) of Oklahoma, inserted earlier this year in the committee markup, would have prohibited biofuels purchases, unless they were cheaper than petroleum fuels. Sixty two senators voted in favor of the amendment, and restored the Department of Defense's ability to choose how it fuels and equips its forces.
The military has a long tradition of incubating and stimulating new industries, ranging from steel to the Internet, microchips to nuclear power. The advanced, drop-in biofuel industry could be the next industry that is stimulated by the military's vast buying power.
? This article is a modified version of a story in?Energy Trends Insider, a?free subscriber-only newsletter?that identifies and analyzes financial trends in the energy sector. It's?published by?Consumer Energy Report.
Source: http://rss.csmonitor.com/~r/feeds/csm/~3/qaCn4QtH8TI/With-military-s-push-biofuels-can-grow
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Oil and the 'fiscal cliff'
Tverberg explores the connection between changes in the oil market and growing concern of the 'fiscal cliff.'?
A mixture of oil, diesel fuel, water and mud sprays as roughnecks wrestle pipe on a True Company oil drilling rig outside Watford, N.D., in this October 2012 file photo. If oil production remains relatively flat, Tverberg writes, additional tax increases will likely be needed later, as higher oil prices lead to more layoffs, and more need for government spending.
Jim Urquhart/Reuters/File
EnlargeThe United States? fiscal cliff is very much related to several changes we have been going through recently, and will likely continue to experience:
Skip to next paragraph Our Finite WorldGail Tverberg, an actuary with a background in math, analyzes energy and financial matters from a perspective that the world has limited resources. For more of Gail's posts, click?here.
Recent posts
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- High oil prices (more than triple their level ten years ago). High oil prices cause people to cut back on discretionary spending, leading to layoffs in discretionary industries and debt defaults. Governments get less revenue in taxes at the same time they need to increase spending for unemployment benefits, bailing out banks, and stimulus funds. Result: financial problems for governments of oil importing countries, including many Eurozone countries and the United States.
- More free trade with Asian countries starting about 2001, when?China joined the World Trade Organization. This change sent many jobs to Asia, and also holds down wages in US industries that compete with companies using overseas labor.
- Lots of baby boomers becoming eligible for Medicare and Social Security, starting about 2011.?This is a problem because taxes, in practice, need to cover the cost of ?benefits on a cash flow basis, which is the way US handles its financial accounting. As a practical matter, this is the way the world economy works as well?the goods and services used today are created by today?s workers, with resources pulled out of the ground today. Carryovers in terms of goods are very limited?mostly a little grain.
- A health care industry that is able to charge fees that are increasingly out of line with the wages of common workers.
None of these issues looks likely to improve in the near future, suggesting that we are encountering a long-term problem that is only likely to get worse.
In this post, I provide charts showing that if the US funding problem is fixed through higher taxes on individuals (including proprietors), the needed fix would require additional taxes averaging approximately 15% of each person?s wages. If oil production remains relatively flat, as it has since 2005, additional tax increases even above this level will likely be needed later, as higher oil prices lead to more layoffs, and more need for government spending.?
I also discuss three approaches other than higher taxes on individuals that might be used to try to fix the problem:
- Send programs back to the states
- Fix health care costs by emulating the Japanese using severe caps on medical charges
- Rethink taxes on imports
The first approach is being considered by others. I see drawbacks to it that others may have overlooked. The second two approaches are admittedly nonstandard, but need to be at least considered.
I am not very optimistic that a way can be found around the fiscal cliff. The problems are too much ?baked into the cake?. But if we don?t understand what the magnitude of the problem is, and what is causing it, it is hard to make good decisions.
The Magnitude of the Problem
The ?standard? way of looking at government income and expense is as a percentage of GDP. As a practical matter, though, about 80% of federal taxes relate to individuals, so it makes more sense to me to use a wage base for comparison, especially if there is concern that wages aren?t keeping up with GDP.
1?|?2?|?3?|?4?|?5Source: http://rss.csmonitor.com/~r/feeds/csm/~3/BfgQpPxFsUQ/Oil-and-the-fiscal-cliff
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Sunday, December 2, 2012
Personal Finance Expert Casey Bond Explains How Shopping on ...
EL SEGUNDO, CA (PRWEB) November 17, 2012
Shoppers are beginning to catch on to the whole Black Friday scheme with door busters, leaked adds and special 3 a.m. opening hours, retailers are doing a great job of sending frenzied masses of consumers, credit cards and pepper spray in hand, into stores the day after Thanksgiving without actually delivering many impressive deals.
Even so, Casey Bond, the managing editor and leading personal finance expert for Go Banking Rates, explains why she continues to brave the long lines and crazed shoppers in her latest op-ed piece.
How Much Do Consumers Save on Black Friday?
While retailers do offer deep discounts on Black Friday, theyre usually found on a select few items, with limited quantities, making it extremely difficult to snag a truly great deal in stores.
Studies have also shown that many popular holiday gifts are actually more expensive on Black Friday, like jewelry, watches, clothes and toys. In fact, the best deals are found in the week leading up to Christmas, rather than right after Thanksgiving.
Then there are the various opportunity costs of Black Friday shopping, including gas to drive between stores, as well as the cost of shoppers? time. Essentially, its important for consumers to understand that just because something is on sale doesnt mean its a good deal.
The Money-Saving Benefits of Shopping on Black Friday
Despite the lack of in-store savings offered on Black Friday, Ms. Bond explains that there are other ways shopping on this day can help to save money on Christmas shopping expenses.
1. Shoppers are forced to make a plan. Planning is the key component to achieving so many goals, including saving money. By setting out Black Friday morning with the intent to shop for several people, buyers can take the opportunity to create a shopping list and budget.
2. The bulk of Christmas shopping is done ahead of time. Like the failure to make a plan, procrastination is another key component to overspending. By doing the bulk of Christmas shopping in one day, consumers can ensure key gifts are purchased within budget eliminating the stress of last-minute shopping and the overspending that usually accompanies it.
3. There are actually a handful of really good deals. While many of the Black Friday sales are a joke, there are a few gems out there. Smaller stores that arent part of national chains tend to offer great deals on Black Friday, especially on apparel.
Click here to read the full article.
About Casey Bond
Casey Bond has been a professional within the finance industry for close to a decade. Her work regularly appears on a number of major national publications in addition to Go Banking Rates, including Business Insider, US News & World Report, and Yahoo! Finance. Her work can also be found on The Motley Fool, LearnVest, Money Talks News, Seeking Alpha, About.com, Redbook Magazine and Shape.
About Go Banking Rates
Go Banking Rates (GoBankingRates.com) a national website dedicated to connecting readers with the best interest rates on financial services nationwide, as well as informative personal finance content, news and tools. Go Banking Rates collects interest rate information from more than 4,000 U.S. banks and credit unions, making it the only online rates aggregator with the ability to provide the most comprehensive and authentic local interest rate information. Go Banking Rates also regularly publishes expert advice from personal finance professionals.
GoBankingRates.com belongs to a network of more than 1500 finance websites, including GoInsuranceRates.com and GoFreeCredit.com. These sites receive more than 2 million visits each month.
For questions or comments, please contact:
Jaime Catmull, Director of Public Relations
http://www.GoBankingRates.com
JaimeC(at)GoBankingRates.com
310.297.9233 x261
###
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Deer get onto racetrack, announcer plays along
WASHINGTON, Pa. (AP) ? Spectators who came to watch horses at a western Pennsylvania racetrack got a surprise this week when three deer got onto the course first and beat the horses to racing.
According to KDKA-TV (http://cbsloc.al/VdzJuq ), a race was about to begin Wednesday night at the Meadows Racetrack in Washington County when the deer jumped onto the track.
Race announcer Roger Huston didn't miss a beat. He began calling the race as it unfolded, saying things like: "As they race down the track, Bambi has the lead. Here comes Rudolph from the outside."
The deer ran fast but kept changing directions. At one point, they appeared headed to the paddock, where the horses were being held.
Several minutes into the show, the deer decided to leave the track to the horses.
Huston says Bambi won the race.
___
Information from: KDKA-TV, http://www.kdka.com
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Saturday, December 1, 2012
Gulf of Mexico clean-up makes 2010 spill 52-times more toxic; Mixing oil with dispersant increased toxicity to ecosystems
ScienceDaily (Nov. 30, 2012) ? If the 4.9 million barrels of oil that spilled into the Gulf of Mexico during the 2010 Deep Water Horizon spill was a ecological disaster, the two million gallons of dispersant used to clean it up apparently made it even worse -- 52-times more toxic. That's according to new research from the Georgia Institute of Technology and Universidad Autonoma de Aguascalientes (UAA), Mexico.
The study found that mixing the dispersant with oil increased toxicity of the mixture up to 52-fold over the oil alone. In toxicity tests in the lab, the mixture's effects increased mortality of rotifers, a microscopic grazing animal at the base of the Gulf's food web. The findings are published online by the journal Environmental Pollution and will appear in the February 2013 print edition.
Using oil from the Deep Water Horizon spill and Corexit, the dispersant required by the Environmental Protection Agency for clean up, the researchers tested toxicity of oil, dispersant and mixtures on five strains of rotifers. Rotifers have long been used by ecotoxicologists to assess toxicity in marine waters because of their fast response time, ease of use in tests and sensitivity to toxicants. In addition to causing mortality in adult rotifers, as little as 2.6 percent of the oil-dispersant mixture inhibited rotifer egg hatching by 50 percent. Inhibition of rotifer egg hatching from the sediments is important because these eggs hatch into rotifers each spring, reproduce in the water column, and provide food for baby fish, shrimp and crabs in estuaries.
"Dispersants are preapproved to help clean up oil spills and are widely used during disasters," said UAA's Roberto-Rico Martinez, who led the study. "But we have a poor understanding of their toxicity. Our study indicates the increase in toxicity may have been greatly underestimated following the Macondo well explosion."
Martinez performed the research while he was a Fulbright Fellow at Georgia Tech in the lab of School of Biology Professor Terry Snell. They hope that the study will encourage more scientists to investigate how oil and dispersants impact marine food webs and lead to improved management of future oil spills.
"What remains to be determined is whether the benefits of dispersing the oil by using Corexit are outweighed by the substantial increase in toxicity of the mixture," said Snell, chair of the School of Biology. "Perhaps we should allow the oil to naturally disperse. It might take longer, but it would have less toxic impact on marine ecosystems."
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The above story is reprinted from materials provided by Georgia Institute of Technology.
Note: Materials may be edited for content and length. For further information, please contact the source cited above.
Journal Reference:
- Roberto Rico-Mart?nez, Terry W. Snell, Tonya L. Shearer. Synergistic toxicity of Macondo crude oil and dispersant Corexit 9500A? to the Brachionus plicatilis species complex (Rotifera). Environmental Pollution, 2013; 173: 5 DOI: 10.1016/j.envpol.2012.09.024
Note: If no author is given, the source is cited instead.
Disclaimer: Views expressed in this article do not necessarily reflect those of ScienceDaily or its staff.
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Adapting fish defenses to block human infections: Antimicrobial peptide of fish gills inspire clean surfaces
ScienceDaily (Nov. 29, 2012) ? An undergraduate research team analyzes peptides from fish gills to engineer antimicrobial surfaces for food preparation and medical devices.
Living in an environment teaming with bacteria and fungi, fish have evolved powerful defenses against waterborne pathogens, including antimicrobial peptides located in their gills. Undergraduate researchers at Worcester Polytechnic Institute (WPI) are studying the biology and the mechanics of one of those peptides with the hope they can use that knowledge to create engineered surfaces that kill bacteria responsible for foodborne illnesses and hospital-acquired infections.
The research team, led by Terri Camesano, professor of chemical engineering, reports its latest findings in the paper "Creating Antibacterial Surfaces with the Peptide Chrysophsin-1," published online in October by the journal ACS Applied Materials & Interfaces.
"Fish have a wonderful solution for blocking bacterial and fungal infections," Camesano said. "In this study, we are working to better understand the biochemical mechanics of that process."
As fish filter water through their gills to extract oxygen, antimicrobial peptides (AMPs), including Chrysosphin-1, trap and kill pathogens before they can invade the fish's bloodstream. Scientists in many laboratories around the world are actively exploring the potential use of these molecules to prevent human infections. In the current study, the WPI team attached AMPs to silicon and gold surfaces using two different approaches and measured the bound peptides' ability to kill the bacterial pathogen E. coli.
In the first method, the AMPs were absorbed directly onto gold and silicon crystals, forming a single layer of molecules with the AMPs lying flat on the surface. In the second method, the tips of the AMPs were attached to the surfaces with a glue-like substance so that the peptides rose vertically, like blades of grass extending up from the ground. Surfaces with both AMP configurations were cultured with E. coli cells. The results showed that when the AMPs were lying flat they killed 34 percent of the bacteria in the culture, but when they were standing up vertically they killed 82 percent.
"The hypothesis is that when peptides are attached vertically to the surfaces, they are better able to move and bend so they take on a shape that is more effective in binding to and disrupting the E.coli cells," Camesano said.
In addition to gathering data about the antibacterial efficacy of the attached AMPs, the WPI research team developed a technique for monitoring, in real time, the attachment of AMPs to surfaces. Using quartz crystal microbalance with dissipation monitoring (QCM-D), the team measured the quantity of AMPs that successfully attached to the surfaces in the horizontal and vertical orientations and the density of the AMP layers, along with other properties.
"This was a powerful process, to be able to essentially watch the binding process as it happened," Camesano said. "It is a technique that we will continue to apply in further studies."
Camesano said gold and silicon surfaces were selected for the current study because their chemical properties are well-suited for AMP binding. In ongoing work, Camesano's laboratory will continue to characterize the mechanics of AMP binding for optimal antimicrobial activity and test other materials, including titanium, stainless steel, and plastics, that would have greater utility in food preparation and healthcare.
"What is also notable about this study is that it is the work of undergraduates," Camesano said. "They've done excellent work here that will inform future graduate studies in our lab."
The WPI undergraduates who co-authored the AMP paper are Ivan Ivanov '12 (chemical engineering), Alec Morrison '12 (biochemistry), and Jesse Cobb '12 (chemical engineering). Co-author Catherine Fahey, a student at George Washington University, worked on the study during at a summer project at WPI. Their work was sponsored in large part by a grant from the National Science Foundation's Research Experiences for Undergraduates (REU) program.
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Story Source:
The above story is reprinted from materials provided by Worcester Polytechnic Institute.
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Journal Reference:
- Ivan E. Ivanov, Alec E. Morrison, Jesse E. Cobb, Catherine A. Fahey, Terri A. Camesano. Creating Antibacterial Surfaces with the Peptide Chrysophsin-1. ACS Applied Materials & Interfaces, 2012; 4 (11): 5891 DOI: 10.1021/am301530a
Note: If no author is given, the source is cited instead.
Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.
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