Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/274334045?client_source=feed&format=rss
charles manson al sharpton actuary elon musk fox mole manson bubba watson
Thursday, January 3, 2013
Wednesday, January 2, 2013
50 million Android and iOS devices activated in last week of December alone
Despite reaching a fiscal cliff deal that will shield 99 percent of Americans from an income tax increase, more than three quarters of American households will still face higher federal tax bills in 2013. That's because legislators failed to renew a temporary reduction in payroll taxes, worth about $1,000 to a worker earning $50,000 a year.
Source: http://news.yahoo.com/50-million-android-ios-devices-activated-last-week-180023769.html
pipa and sopa sopa pipa wikipedia blackout kyla pratt justified season 3 custer scott walker
Umbrella Insurance | Rosenberg & Company
YOU THINK IT IS NEVER GOING TO HAPPEN to you, and then? Someone is seriously injured on your property or while you are driving. The injured person sues you and is awarded millions of dollars. Your homeowners or auto insurance policy will fully cover the judgment, right? Wrong! Primary insurance policies, such as homeowners, auto, and boat, generally limit liability coverage to $100,000, $300,000, or $500,000. If a judgment exceeds your liability coverage, you are on the hook for the balance.
Fortunately, there is a type of insurance?personal umbrella insurance?that can help protect you by providing extra liability coverage if a judgment exceeds the limit on your primary policy.
Here?s generally how it works. Let?s say the liability coverage on your auto insur- ance policy is limited to $300,000 and you have a $5 million personal umbrella policy. If the injured person is awarded, say, $2 million, your auto policy picks up the first $300,000, less any deductible you may owe. Your umbrella policy picks up the remaining $1,700,000. Without the umbrella policy, you would have to pay the remaining judgment from your assets and perhaps your future earnings.
In addition to providing extra liability coverage, an umbrella policy generally of- fers broader coverage than your primary insurance policies. For example, a personal umbrella policy will generally pay the legal fees you incur in the lawsuit, up to the limit of your coverage. These fees can be substantial even if you win the case. A personal umbrella policy may also cover claims for libel, slander, or defamation of character, as well as provide coverage anywhere in the world.
It is a good idea to review your insurance policies every year or so. If your current liability coverage is not sufficient to protect your assets and income, talk to your finan- cial advisor about extending your coverage with a personal umbrella policy. Commercial umbrella policies are also available for businesses.
?
colts big ten tournament 2012 dennis quaid bruce weber fired notorious big biggie smalls lyrics azores
Early predictor for glaucoma identified
Jan. 2, 2013 ? A new study finds that certain changes in blood vessels in the eye's retina can be an early warning that a person is at increased risk for glaucoma, an eye disease that slowly robs people of their peripheral vision. Using diagnostic photos and other data from the Australian Blue Mountains Eye Study, the researchers showed that patients who had abnormally narrow retinal arteries when the study began were also those who were most likely to have glaucoma at its 10-year end point. If confirmed by future research, this finding could give ophthalmologists a new way to identify and treat those who are most vulnerable to vision loss from glaucoma.
The study was recently published online by Ophthalmology, the journal of the American Academy of Ophthalmology.
Open-angle glaucoma (OAG), the most common form of the disease, affects nearly three million people in the U.S and 60 million worldwide. Vision loss occurs when glaucoma damages the optic nerve, the part of the eye that transmits images from the retina to the brain. Unfortunately, because glaucoma does not have symptoms, many people don't know they have the disease until a good portion of their sight has been lost. Early detection is critical to treating glaucoma in time to preserve vision.
The findings of the new study, led by Paul Mitchell, M.D., PhD, of the Centre for Vision Research, University of Sydney, supports the concept that abnormal narrowing of retinal blood vessels is an important factor in the earliest stages of OAG. Tracking nearly 2,500 participants, the study found that the OAG risk at the 10-year mark was about four times higher in patients whose retinal arteries had been narrowest when the study began, compared with those who had had the widest arteries.
None of the participants had a diagnosis of OAG at the study's outset. Compared with the study group as a whole, the patients who were diagnosed with OAG by the 10-year mark were older, had had higher blood pressure or higher intraocular pressure at the study's baseline, and were more likely to be female. Elevated intraocular pressure, or pressure within the eye, is often found in patients with OAG. Study results were adjusted for age, family history of glaucoma, smoking, diabetes, hypertension, and other relevant factors.
"Our results suggest that a computer-based imaging tool designed to detect narrowing of the retinal artery caliber, or diameter, could effectively identify those who are most at risk for open-angle glaucoma," said Dr. Mitchell. "Such a tool would also need to account for blood pressure and other factors that can contribute to blood vessel changes. Early detection would allow ophthalmologists to treat patients before optic nerve damage occurs and would give us the best chance of protecting their vision."
A symptomless eye disease like glaucoma highlights the importance of regular eye exams. The American Academy of Ophthalmology recommends that everyone have a complete eye exam by an ophthalmologist at age 40 and stick to the follow-up exam schedule advised by their doctor.
This January during Glaucoma Awareness Month, the Academy encourages people to learn more about the disease known as "the sneak thief of sight." People who have a family history of glaucoma, or who are African-American or Hispanic, may be at higher risk.
Share this story on Facebook, Twitter, and Google:
Other social bookmarking and sharing tools:
Story Source:
The above story is reprinted from materials provided by American Academy of Ophthalmology, via Newswise.
Note: Materials may be edited for content and length. For further information, please contact the source cited above.
Journal Reference:
- Ryo Kawasaki, Jie Jin Wang, Elena Rochtchina, Anne J. Lee, Tien Yin Wong, Paul Mitchell. Retinal Vessel Caliber Is Associated with the 10-year Incidence of Glaucoma: The Blue Mountains Eye Study. Ophthalmology, 2013 DOI: 10.1016/j.ophtha.2012.07.007
Note: If no author is given, the source is cited instead.
Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.
Source: http://feeds.sciencedaily.com/~r/sciencedaily/~3/uul0XXpgD88/130102083613.htm
Jaimie Alexander tom brady john lennon Army Navy Game leann rimes pearl harbor Jacintha Saldanha
Tuesday, January 1, 2013
Helping VA rehabilitate those with multiple wounds of war (Washington Post)
Memoriam to Pioneers in Malibu Real Estate - Malibu, CA Patch
In the past year the Malibu community lost five dynamic professionals from the local real estate industry. They made their own unique contributions to real estate and Malibu.
These people personally crossed my path of life and each of them impacted me in a positive way. According to their individual interests, they made contributions to the Malibu Association of Realtors (MAR). Two were past presidents and set the foundation to the successes of MAR today.
I take this time to honor them for their individual contributions to this industry, the largest industry in the City of Malibu and their commitment to MAR.
Jerry Pritchett served as president of MAR in 1971 and remained active throughout his expansive career. He is a true legend in this town that made historical contributions to this industry. He was a mentor to many agents. When I became a Realtor, I looked up to him as a leader and a person with strong integrity and character. His business expanded to include numerous family members, which causes his vision and name to live on in a historical way in Malibu real estate.
Elsie Muslin is another longtime Malibu resident, who served as president of MAR in 1991. Elsie was extremely involved in the association work when I began my real estate career in 1989. She inspired me to become active with MAR. She encouraged me to get involved and motivated me to run to be elected as a board director. She lived on Point Dume and her large fence is a well-known place to display a collection of campaign posters during city elections.
Joan Plummer had many interests with the city of Malibu. She served on various commissions with the city and homeowners groups. She was a very active advocate of trails for horses. Joan raised her family on Point Dume and housed horses in her backyard when the Point carried that former remote rural feeling. Joan and I worked together at Fred Sands Realty and on a homeowner?s group owners association. She had passion for life and zest for every cause that she believed in. She never gave up.
Lyssa Marie Byrd was a joyful, hard-working escrow officer who graced us all with her smile, laughter and enthusiasm at every occasion. I had just closed an escrow with her a few days before her tragic death, so her voice still lingers on in my mind. She was sought-after by agents as she had the knowledge of the escrow process, but she added her smiling face and bubbling personality to the deal and that made the process a pleasure for all parties.
Alex Soteras grew up in Malibu and was educated in all the local schools. After graduating from Pepperdine he went into an auxiliary end of the real estate business. He led a successful mortgage lending firm and contributed his civic efforts as a past president of the Agoura/Oak Park/Conejo Valley/Calabasas Chamber of Commerce. Alex completed a loan on my personal home and made the process painless and smooth as, he did for all Realtors and their clients.
All of these professionals who served Malibu will be remembered for their contributions to the real estate family. They were pioneers setting the solid foundations which caused this industry to become what it is today.? Each of them taught us life lessons; they made life better for others and shared insights as they traveled their time in this world. I am confident that others will agree with me that they are grateful for the opportunity to call these people friends and colleagues. God has taken them on to a new life, but memories will live on in our hearts forever.
Source: http://malibu.patch.com/articles/memoriam-to-pioneers-in-the-malibu-real-estate-industry
ashley judd second degree murders bobby petrino brian dunn vin scully petrino fired george zimmerman charged
Political brinksmanship still threatens US economy
FILE - In this Nov. 13, 2012 file photo, a man walks in front of the Capitol in Washington. The debate in Washington over taxes and spending is likely to continue damaging the fragile economy well into 2013. The political standoff has already taken an economic toll, creating uncertainty about the future and discouraging consumers from spending and businesses from hiring and investing. (AP Photo/J. Scott Applewhite, File)
FILE - In this Nov. 13, 2012 file photo, a man walks in front of the Capitol in Washington. The debate in Washington over taxes and spending is likely to continue damaging the fragile economy well into 2013. The political standoff has already taken an economic toll, creating uncertainty about the future and discouraging consumers from spending and businesses from hiring and investing. (AP Photo/J. Scott Applewhite, File)
FILE - This Friday, Dec. 28, 2012, file photo shows the Capitol dome on Capitol Hill in Washington. The brinkmanship in Washington over taxes and spending is likely to continue damaging the fragile economy well into 2013. The political standoff has already taken an economic toll, creating uncertainty about the future and discouraging consumers from spending and businesses from hiring and investing. (AP Photo/Susan Walsh, File)
WASHINGTON (AP) ? Even if U.S. lawmakers prevent the worst of the so-called fiscal cliff, the brinksmanship in Washington over taxes and spending is likely to continue damaging the fragile economy well into 2013.
A months-long political standoff over fiscal policy has already taken its toll, adding uncertainty that has discouraged consumers from spending and businesses from hiring and investing.
The squabbling seems sure to persist even if the House of Representatives goes along with a partial fix passed by the Senate in the early hours of Jan. 1. Under that plan, taxes will rise on individual incomes over $400,000 and household incomes over $450,000 and on the portion of estates that exceeds $5 million. The House is expected to vote Tuesday or Wednesday.
But lawmakers appear to have postponed tough decisions on government spending, giving themselves a reprieve from cuts that were scheduled to begin taking effect automatically Jan. 1. That just sets the stage for more hard-bargaining later.
And another standoff is likely to arrive as early as February when Congress will need to raise the $16.4 trillion federal borrowing limit so the government can keep paying its bills. House Republicans probably won't agree to raise the debt limit without offsetting spending cuts that Democrats are sure to resist.
"Even if they cut some small deal, the process and what is left undone still means there's a lot of uncertainty," says Stuart Hoffman, chief economist at PNC Financial Services Group.
After Jan. 1, asks Ethan Harris, co-head of global economics at Bank of America Merrill Lynch, "what induces the two sides to stop fighting and start compromising? ... We're kind of in the first act of a three-act play," Harris says. "One of the key messages from the cliff is that this stuff just doesn't get resolved quickly."
The fiscal cliff itself was created to force Democrats and Republicans to compromise.
To end a 2011 standoff over raising the federal debt limit, they agreed to a Jan. 1, 2013 deadline to reach a deal over taxes and spending. If they didn't, more than $500 billion in 2013 tax increases would begin to take effect, along with $109 billion in cuts from the military and domestic spending programs. The sharp tax hikes and spending cut would threaten to send the economy over the cliff and back into recession.
But negotiations to avert catastrophe have highlighted once again how far apart the two parties are on taxes (Republicans don't want to raise them) and spending (Democrats are reluctant to cut government programs).
"We're learning about how deep the impasse is," Harris says. "Both sides have decided that they were willing to go to the last minute."
Political gridlock has been rattling financial markets and shaking consumer and business confidence the past two years.
After a fight over raising the debt limit last year, the credit rating agency Standard & Poor's yanked the U.S. government's blue-chip AAA bond rating because it feared that America's dysfunctional political system couldn't deliver a credible plan to reduce the federal government's debt. S&P cited an overabundance of "political brinksmanship" and warned that "the differences between political parties have proven to be extraordinarily difficult to bridge."
The Dow Jones industrials dropped 635 points in panicked selling the first day of trading after the S&P announcement.
Harris contrasted the latest budget brawls with previous budget agreements in the 1980s and 1990s. Those deals generally included deficit cuts that were spread out over time and were sometimes bipartisan.
That's better for business and consumer confidence than the repeated partisan standoffs and threats of sudden tax hikes and spending cuts that Congress now engages in.
"The process matters almost as much as what they actually do," Harris says.
Outside Washington, the economy has been getting some good news. Europe's financial crisis appears to have eased, reducing the threat of a renewed financial crisis. And the U.S. real estate market finally appears to be recovering from the housing bust.
But the old worries have been replaced by new ones about political gridlock, says Joseph LaVorgna, an economist at Deutsche Bank.
The partisan divide has left businesses and consumers wondering what's going to happen to their taxes and to federal contracts.
Companies have plenty of cash. But they reduced spending on industrial equipment, computers and software from July to September, the first quarterly drop since mid-2009 when the economy was still in recession. And hiring has been stuck at a modest level of about 150,000 new jobs per month this year.
"What we see is fear," says Darin Harris, chief operating for Primrose Schools, an Atlanta company with 250 franchised preschools in 17 states. He says franchise owners have been reluctant to invest in a second or third school until they know what tax rates are going to be and where government spending is headed. "All those things make our small business owners reluctant to reinvest."
Consumer confidence fell in December for the second straight month, according to a survey by the Conference Board, which blamed the drop on worries about the fiscal cliff. The uncertainty is also believed to have dinged holiday shopping, which grew at the slowest pace this year since 2008.
"Every kind of brinksmanship moment is a reminder to people to not trust the economy," Harris says.
Associated Pressliving social Earthquake Costa Rica Clinton speech Michael Strahan Griselda Blanco Michelle Obama Speech eva longoria
Subscribe to:
Posts (Atom)