Tuesday, July 31, 2012

How To Nike Expand Your Health Insurance $ | articlereference.net

Health insurance is really a subject matter of fantastic Nike 2012 talk and debate as a result of considerable function it has in almost everyone?s lifestyle. Schooling is key with regards to getting the ideal protection and using it successfully. Placing the tips and advice in this post to work for you is the best way to do just that.

When it?s wide open registration time at your workplace, don?t go on auto pilot. Your health insurance policy positive aspects probably have altered, or new plans might be presented in addition to the one you might have. Make sure you review all the information you?re presented, even if you are content with your existing strategy. Often a substantial saving money can be the one you have by simply transforming plans.

Learn what the pre-current issue restrictions are prior to stop your existing Nike 2012 health insurance plan to join one more. You could find that any illnesses or disabilities you have will not be protected should you modify completely to another service provider. Talk with your Status Insurance policy Section to locate additional information on insurances which will protect those pre-existing problems.

Should your medical health insurance doesn?t purchase your prescription medications in full, you need to do some looking around. Drug stores will demand distinct prices for medications, plus diverse dispensing charges. Some drug stores even mix their own drugs and fee far less for that finished doctor prescribed, or will give you the medication in kinds apart from tough to consume capsules.

Create a list of items that are very important for your needs Nike 2012 with your health insurance strategy. Should you at the moment adore your doctors, make certain to sign up for a plan that covers their health-related process. Whatever your priorities are, it helps to be familiar with them before you apply for that medical health insurance to have precisely what exactly you need.

Benefit from a little-identified reality about health care insurance: you could possibly get yourself a ?free of charge seem,? or examination-drive, of an protection plan. While shopping all around, make sure you inquire if the service provider allows this examination period of time, and ensure that you comprehend any limits or requirements for asking for a reimburse Nike when you are dissatisfied.

Develop a plan for managing your insurance deductible in the case of any adverse health relevant occurrence. These circumstances are normally couple of and far among, nevertheless you must set aside a few dollars every shell out time period until you achieve your insurance deductible amount. When it is challenging to reduce your own, have a look at any adverse health insurance plan savings program that will be subtracted from the salary.

In choosing health care insurance, be sure you maintain spot in your mind. Prices and programs of health insurance can be distinct depending on the state, with a bit of states getting higher health insurance price ranges than the others. Be sure to study all medical health insurance ideas and costs Nike 2012 in the area for top level offers.

There can be certainly that health care insurance is a critical part of just about everybody?s monetary existence. Learning how to get and employ your health insurance coverage effectively is essential. By using the information in this post, you may be a more conscientious customer and may get the best from your overall health coverage.

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Source: http://articlereference.net/sports-2/how-to-nike-expand-your-health-insurance.html

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Graphene re-knits its holes

ScienceDaily (July 29, 2012) ? Scientists at The University of Manchester and the SuperSTEM facility at STFC's Daresbury Laboratory have discovered that the 'miracle material', graphene, undergoes a self repairing process to mend holes.

This research, published in Nano Letters, could hold the key in the quest to realise graphene's huge potential for use in fields from electronics to medicine.

Graphene, which is made of sheets of carbon just one atom thick, is a promising material for a wide range of future applications due, for instance, to its exceptional electronic properties.

The team, led by Professor Kostya Novoselov, who shared a Nobel Prize in Physics in 2010 for exploiting the remarkable properties of graphene's, was originally looking to gain a deeper understanding into how metals interact with graphene, essential if it is to be integrated into practical electronic devices in the future.

The researchers were using a powerful electron microscope at the SuperSTEM Laboratory at Daresbury, which allows scientists to study the properties of materials one atom at a time. They recently demonstrated that metals can initiate the formation of holes in the graphene sheet, which could be hugely detrimental to the properties of any graphene-based device.

Surprise results then showed that some of the holes that had been created during this process were actually mending themselves spontaneously using nearby loose carbon atoms to re-knit the graphene structure.

Dr Quentin Ramasse, Scientific Director at SuperSTEM said: "This was a very exciting and unexpected result. The fact that graphene can heal itself under the right conditions may be the difference between a working device and a proof of concept without any real application. We may now have a way of not only drilling through graphene in a controlled fashion to sculpt it at the atomic level, but also to grow it back in new shapes. This adds a lot of flexibility to our nanotechnology toolbox and could pave the way to future technological applications."

SuperSTEM (link opens in a new window) is the EPSRC National Facility for Aberration Corrected STEM and is run by a consortium of universities, consisting of Leeds, Glasgow, Liverpool, Manchester and Oxford. Other collaboration agreements with the external partner universities Cambridge, Sheffield, Warwick and York will be commencing shortly and the facility has received ?4.5M funding from EPSRC.

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The above story is reprinted from materials provided by University of Manchester.

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


Journal Reference:

  1. Recep Zan, Quentin M. Ramasse, Ursel Bangert, Konstantin S. Novoselov. Graphene Reknits Its Holes. Nano Letters, 2012; : 120710092055001 DOI: 10.1021/nl300985q

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

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

Source: http://feeds.sciencedaily.com/~r/sciencedaily/~3/x728aOfHvP4/120729150055.htm

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Monday, July 30, 2012

Why passion always leads to success - Self Improvement Tips

Why passion leads to being successful

Ever wondered how people such as Steve jobs or Michael Dell managed to create large well known multinationals out of nothing? Why did those two college drop outs succeeded in creating companies that are worth billions even though they had almost nothing to start with ? Is there some kind of a secret that can enable a person to succeed in life even if he had limited resources?

Yes of course there is a secret, and this secret is called passion.

How Success Happens

Before I tell you about the connection between passion and success, I have to tell you more about the way success happens. Ask any successful person in the world about his success story and you will find that the story goes as follows:

  1. He had a big dream and believed in it
  2. He started perusing his dream
  3. Most people started putting him down
  4. He faced devastating setbacks
  5. ?He rose up and fulfilled his dream.

For 99% of the successful people you talk to, the scenario will almost always be the same. They all share common attributes that are alike amongst others who have succeeded.

Now, ever asked yourself what fueled these people to become motivated; to move past those that were against them?

That fuel is passion!

Why Passion Always Leads to Success

This is why passion leads to success:

  1. It will motivate you to keep trying

We all know that success rarely happen from the first attempt, and that?s why you need a certain kind of motivation to keep you going?even when you fail.

People who are passionate about their dreams keep trying until they find out what works. Those who lack passion on the other hand do not find enough reasons to keep going after they fall. They simply do not have the extra fuel to keep going.

  1. It will motivate you to learn

What motivates a person to spend a full day reading about a certain topic? Again it is passion.

Success cannot happen without knowledge. In fact, the only reason people are able to succeed after a few tries is because they learn new things with each attempt, and they put that new knowledge into effect.

Doing without knowledge is dangerous. Knowledge without doing is laziness. Combine both and you will become successful.

After some time, people find that they have enough knowledge to make their dreams come true. Without passion you won?t find a reason to learn and you won?t be motivated to read. Passion makes you want to become better, to do more than what you?re capable of.

Follow Your Passion

Many people follow the herd without ever allowing themselves to go after their passions. Usually the fear of being different and the lack of courage to do what people normally won?t do holds these people back. This is why there are more unsuccessful people. ?Successful people are not afraid to leave new footprints behind. They believe in what they?re doing, and where it?ll lead them.

If you want to become successful in life, then find out the thing that you are passionate about. When you discover it, go towards it without anyone telling you that it can?t be done. Let your own passion fuel you. You cannot let others stop you if your passion for something outweighs the fear of being criticize.

Just follow your passion because that is what always leads to success.

?

This was a guest post written by M.Farouk Radwan. He has been writing and coaching for 2knowmyself.com since 2006.

?

Other articles you may enjoy:
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Source: http://selfexceed.com/inspiration-motivation/why-passion-always-leads-to-success/

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Teleseminars | Central Florida Magazine The Best of Orlando Florida

It seems that these days, webinars have got above. And you might be questioning? is it possible to nevertheless sponsor teleseminars making these work. Will certainly folks still show up at?

Certain, some people go about doing like online seminars, but there?s also lots of people that really like teleseminars. This means, there?s nevertheless an absolute spot for teleseminars, and if you want to web host 1, do it now.

By way of example, if you do not need the irritation of needing to generate visual material, teleseminars might be great for anyone. The truth is, their own utter simplicity presents teleseminars a definite side.

Attributes of webinars

Let?s move on by letting this place off the beaten track? Of course, webinars will have a clear edge. You can plenty of visual consequences, via showing your work on the watch?s screen to be able to operating as the individual speaking go. As well as you can include PowerPoint sales pitches.

But people features also bring challenges that you won?t suffer from once you sponsor teleseminars. Let?s take some of the advantages of teleseminars:

Attributes of teleseminars

1) Much less specialized needs

Teleseminars are generally significantly less tough formally. There isn?t any the equipment apart from a telephone, and that means you can do them everywhere as well as when. Certain, you may want your personal computer handy in order to run your cpanel, in a new crunch, you can manage points through the telephone.

And when looking at your market? a cell phone is they require on the end also, to gain access to the event coming from just about anywhere.

Two) Portability

Once you download your mp3s, they are easily crammed upon a mp3 player or burned up with a Compact disc, therefore you usually takes them for the drive or possibly a wander. That is not a thing that can be done having a web conference, unless additionally, it offers a distinct cd model, after which you actually possess the equivalent of the webinar since graphics are gone.

3) Advantages and disadvantages of images

For individuals, webinars possess the benefit that they?ll observe what are you doing. However, as a way to truly receive the advantage of that, they must stay facing some type of computer the entire time, or they will often skip essential information. That could be bothersome, especially if the web conferencing can be long-winded.

Some) Graphics on teleseminars

Teleseminars might possibly not have your built-in graphics, no less than not normally, but they may be easily offered with a handout. And that?s not all? InstantTeleseminar, one of several important webinar services presenting a new web seminar version as well.

While InstantTeleseminar won?t work using reside online video, at least not even, it truely does work well along with Ms powerpoint presentations. Plus a large numbers of webinars are merely read Ms powerpoint demonstrations anyhow. Which means you may fundamentally use a web conference for the ?price? of doing a webinar.

A few) File size concerns

And finally, there?s the matter of file size: teleseminar mp3s are usually pretty lightweight in size, and generally run around Ten to twenty MBs in proportions. Webinars, alternatively, can be countless MBs in space and swiftly clog up your harddrive.

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As you can tell, online seminars could have specific obvious benefits, nevertheless teleseminars have their very own advantages as well. Consequently never rely teleseminar out there as of this time. There are numerous people out there whom really choose teleseminars, if people are while mobile as they are today, teleseminars using ?anywhere? features are likely to continue to be a favorite alternative.

Source: http://www.central-florida-magazine.com/teleseminars-3

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Internet Marketing For Online Businesses | My Blog

Internet Marketing For Online Businesses is the foundation of any good online business. If you want to be successful with any online venture, you will need to put together an effective internet marketing plan. This plan will keep you focused and organized as you promote your product and services. With the help of an organized plan, you will soon see your profits increase! Creating an effective marketing plan is actually easy if you know where to start. Follow these four simple steps to develop your personal Internet Marketing For Online Businesses.

Internet Marketing For Online Businesses

1. Use multiple tools to market your business.

Don?t focus on one marketing approach. Instead, create a comprehensive marketing plan that uses every strategy available. Internet marketing is constantly changing and evolving, with new strategies available every day.

For complete marketing success, you should take advantage of all opportunities to market your product or services.

2. Find a niche and stick to it.

The most effective marketing programs focus on one niche. You should identify your target audience in the beginning and then find a way to reach those consumers. There is no point in marketing your product to people who wouldn?t use it. Carve out a niche and then market every inch of it.

3. Think outside the box.

You can use the many known marketing strategies to build your business. However, innovative business owners will gain more clients and profits by thinking outside the box. Get creative and come up with your own unique ways to market your product or services.

4. Be wiling to adapt to the changing market.

The internet is constantly changing and so are the people who use it.

If you want to make money with internet marketing, you will have to be ready to adapt. As the market changes, your strategies and services will need to be reevaluated periodically. If you never update your marketing plan, then it will soon be outdated and irrelevant.

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Friday, July 27, 2012

Croon Audio's Original Bluetooth speakers promise not to creak while they're cranked

Croon Audio's Original Bluetooth speakers promise not to creak while they're cranked

Odds are that we've all had a speaker system which can't take the heat: turn up the volume and there's an unintentional dubstep remix as the waaahs and wubwubs of distortion and vibration overtake whatever we actually meant to hear. Croon Audio is only just getting into speakers, but its Original system makes clean sound the order of the day: along with the retro, anti-distortion fiberboard design, the Bluetooth audio box has isolation cones at the corners that Croon hopes will leave any shake, rattle and rolling to Big Joe Turner and Bill Haley. That's good news for a small enclosure with two 15W drivers and a Class D amp inside. A 3.5mm jack still exists if wireless audio compression gets on the nerves as well. The speakers are already selling now in a classic black for $200, although $230 will net a slightly livelier gray or white, and $235 lands an attention-getting (if limited edition) red.

Continue reading Croon Audio's Original Bluetooth speakers promise not to creak while they're cranked

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Croon Audio's Original Bluetooth speakers promise not to creak while they're cranked originally appeared on Engadget on Thu, 26 Jul 2012 11:00:00 EDT. Please see our terms for use of feeds.

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Source: http://www.engadget.com/2012/07/26/croon-audio-original-bluetooth-speakers/

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Monday, July 23, 2012

Push Comes to Pull: What's the Best Freestyle Swimming Stroke? [Video]

This summer?s Olympic games in London feature 14 different freestyle swimming competitions, by far the most races for any type of stroke. The world?s elite swimmers can traverse a 50-meter pool in 22 to 26 seconds, yet they are divided over which of two variations of the stroke are more effective: the more powerful ?deep catch? approach or the more streamlined ?scull.? And the physics behind the debate is fascinating.

In the deep catch approach, a swimmer puts his or her arm straight forward, then down as deep as possible into the water, and pushes that arm back as hard as possible, keeping the palms perpendicular to the direction the swimmer wants to move. In sculling, swimmers reach out but then bend their elbow, keeping it high in the water as their lower arm bends back past their body in an S-shaped pattern.

Is one stroke better than the other? The answer depends on the amount of power generated compared with the amount of drag caused by executing a particular stroke.

A team of researchers led by Rajat Mittal, vice chair of the mechanical engineering department at Johns Hopkins University, has used high-resolution video and underwater images to compare the two strokes. As seen in the video below, Mittal concludes that the propeller-like deep catch is more effective and more efficient than the sculling stroke.

Former Olympic swimmer Gary Hall, Sr., disagrees however, claiming that ?drag trumps power? in the pool. In the video below, the two-time silver medalist explains, ?The speed we can generate is directly proportionate to the power that we generate, but it?s inversely proportionate to the frontal drag that we create during our swimming.?

When looking at the strokes actual Olympic competitors use, the bottom line seems to be that the ?best? stroke depends on the race distance and the athlete?s preference. The straight-armed deep-catch approach seems to work best for sprinting, whereas the curved-arm scull approach saves energy and creates less drag, helping some swimmers in 100-meter races and many swimmers at longer distances. Of course, individual comfort for each swimmer has to be taken into account. Several years ago superstar Michael Phelps experimented with deep-catch to better compete in 100-meter races, but he later said he wasn?t comfortable with the style and was disappointed with his performance using it.

Image courtesy of Chris 73, via Wikimedia Commons

Source: http://rss.sciam.com/click.phdo?i=4e68cbe8af426b446c69c4d1fbfeac66

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Sunday, July 22, 2012

Top 10 Bestselling Games Worldwide in Week 29, 2012

What were the top 10 bestselling games in America, Japan, and Europe? Thanks to Amazon online sales data here are the games that are the hottest worldwide.

What follows is a listing of the Top 10 bestsellers per region, for all systems combined.

North America?s Top 10 Games:

    1. Your Shape Fitness Evolved 2012 (Xbox 360 Kinect)
    2. NCAA Football 13 (PS3)
    3. NCAA Football 13 (Xbox 360)
    4. Just Dance 3 (Wii)
    5. Call of Duty: Modern Warfare 3 (Xbox 360)
    6. LEGO Batman 2: DC Super Heroes (Wii)
    7. Call of Duty: Modern Warfare 3 (PS3)
    8. New Super Mario Bros. Wii (Wii)
    9. LEGO Harry Potter: Years 5-7 (Xbox 360)
    10. Elder Scrolls V: Skyrim (Xbox 360)

Ubisoft?s Your Shape Fitness Evolved 2012 workout game is doing well for itself this week. It?s already managed to stay in the charts for half a year so far.

Here?s the TV commercial.

Japan?s Top 10 Games:

    1. Digimon World Re:Digitize (PSP)
    2. Kirby Special Collection 20th Anniversary (Wii)
    3. Pokemon Black 2 (DS)
    4. Pokemon White 2 (DS)
    5. Live Powerful Pro Baseball 2012 (PS3)
    6. Run For Money: Flee From the Strongest Hunters in History! (3DS)
    7. Assassin?s Creed I + II ? Welcome Pack (PS3)
    8. Rune Factory 4 ? First print includes: Special Headphones and Drama CD To Listen To As You Go To Sleep (3DS)
    9. Pocket Soccer League: Calcio Bit (3DS)
    10. Taiko Drum Master: The Little Dragon and the Mysterious Orb (3DS)

This week Namco Bandai Games released the newest digital pet-RPG in the Digimon series in Japan, exclusively made for the PSP, it?s titled ?Digimon World Re:Digitize? which is named to be a call back to the first Digimon World game. Gameplay revolves around the 14-year-old lead who gets transported to the digital world of Digimon. There he can raise Digimon to grow from In-Training, Rookie, Champion, Ultimate, to Mega.

Here?s the Japanese TV commercial.

For a poster of the main characters in Digimon World Re:Digitize, click the thumbnail here:


Europe?s Top 10 Games:

    1. Halo: Combat Evolved ? Anniversary (Xbox 360)
    2. Batman: Arkham City (Xbox 360)
    3. Mario & Sonic at the London 2012 Olympic Games (Wii)
    4. Lego Batman 2 ? Limited Lex Luthor Toy Edition (Xbox 360)
    5. The Elder Scrolls V: Skyrim (Xbox 360)
    6. Kingdom Hearts 3D: Dream Drop Distance (3DS)
    7. London 2012: The Official Video Game of the Olympic Games ? Ltd Edition Steelbook, gift with purchase (Xbox 360)
    8. Lego Batman 2 ? Limited Lex Luthor Toy Edition (Wii)
    9. Call of Duty: Modern Warfare 3 (Xbox 360)
    10. The Sims 3 (PC/Mac)

Last year?s Halo: Combat Evolved ? Anniversary edition is a HD remake of the first Halo game exclusively for Xbox 360 with optional Kinect motion & voice controls and brand new online co-op added. ? In the lead-up to this year?s Halo 4 release, fans are getting nostalgic and newcomers can?t resist the heavily discounted game at only ?9/?10!

Here?s the Halo Anniversary launch trailer.

To recap the top games per system:

  • Digimon World Re:Digitize makes an astonishing debut on #1 in Japan on the PSP chart.
  • Your Shape Fitness Evolved 2012 returns on the Xbox 360 chart for the summer.
  • NCAA Football 13 remains high on the PS3 chart.
  • Just Dance 3 comes in first on the Wii chart.
  • New Super Mario Bros. returns to #1 on the DS chart.
  • Diablo III stays on top of the PC & Mac charts.
  • Super Mario 3D Land returns on 1st place on the 3DS chart.
  • Mortal Kombat fights to the top of the PS Vita chart.
  • And lastly, Kingdom Hearts II stays popular after 6 years in the PS2 chart?s Top 100!

Sales data collected from Amazon?s US, JPN (PC) & UK / DE / FR websites.

Tags: Digimon World Re:Digitize, Halo: Combat Evolved Anniversary, Your Shape Fitness Evolved 2012

Categories: 3DS News, DS News, Mac News, News, PC News, PS Vita News, PS2 News, PS3 News, PSP News, Videos, Wii News, Xbox 360 News


Source: http://www.videogamesblogger.com/2012/07/21/top-10-bestselling-games-worldwide-in-week-29-2012.htm

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Analysis: Ambiguity Restored To Mo. Finance Report ? CBS St. Louis

JEFFERSON CITY, Mo. (AP)- Ambiguity has been restored to Missouri?s campaign finance reports after it appeared that a national political group had provided specific details about money flowing to Attorney General Chris Koster.

A report filed by the Missouri affiliate of the Democratic Attorneys General Association recently listed 10 specific contributions it had received from businesses, including Visa, Coca-Cola and Facebook. A report by Koster?s campaign showed he received $300,000 from the Democratic Attorneys General Association.

But the attorneys general group has since changed its report to show a transfer of $300,000 from the national group to the state affiliate to Koster, with no accounting of the original source.

The group?s director says no specific donations were earmarked for Koster, and the original report was based on a wrong understanding of Missouri law.

(? Copyright 2012 The Associated Press. All Rights Reserved. This material may not be published, broadcast, rewritten or redistributed.)

Source: http://stlouis.cbslocal.com/2012/07/22/analysis-ambiguity-restored-to-mo-finance-report/

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Saturday, July 21, 2012

Texas Advocates Push Insurance Rate Review - Kaiser Health News

This story is part of a reporting partnership between KUHF,?NPR?and Kaiser Health News.

Few governors have been as vocal and as unequivocal in their opposition to the federal health care law as Texas Gov. Rick Perry.

(Photo by Gage Skidmore via Flickr)

Perry, a Republican, has vowed not to expand Medicaid and not to create an insurance exchange. Consumer advocates in Texas?say the Perry administration has also been dragging its feet when it comes to insurance rate review.?

In an effort to make insurance affordable, the federal law requires every state to conduct a special review whenever a health insurer wants to raise premiums more than 10 percent. This rate review would help protect small businesses and individuals who buy their own policies. The provision went into effect last September, and since then, insurers made nine such requests in Texas.

But so far the Texas Department of Insurance has not completed any reviews. Officially, they?re all pending.

In the meantime, the insurance companies can go ahead and raise the rates anyway. Celtic, for example, has raised rates on three policies in Texas by 20 percent.

"We were growing increasingly frustrated," said Mimi Garcia, organizing director for Texas Well and Healthy, an advocacy group that has been active on the rate review issue.

"They've been very unresponsive," Garcia said of the Department of Insurance. "They have not returned calls, they have not returned repeated requests. And it really took having over 1,600 Texans signing on to a petition to say 'Hey, this is something we care about and we need to know what?s going on with this.'"

Anne Walker, a resident of Lake Jackson, a city south of Houston, signed the petition.

"I?m not sure why the state has let some of its citizenry down by not monitoring it," said Walker, who is the director of financial aid at Rice University. "It's the law, and Rick Perry is choosing to ignore it."

The rate review provision is a popular piece of the health law. A recent poll by the Kaiser Family Foundation found that 66 percent of the public has a favorable view of the policy.?(Kaiser Health News is an editorially independent program of the foundation.)

The Texas Department of Insurance got a $1 million grant from the federal government to work on rate review.

After reviewing a rate increase, the department is supposed to announce whether the increase is acceptable or unreasonable, although it can?t actually do anything to stop it.

Still, the point is to create a transparent market for people who have to shop for their own insurance.

"It?s important for the public to know so that they can use their dollars wisely," said Stacey Pogue of the Center for Public Policy Priorities in Austin. "And if the insurance coverage is charging excessive rates that they know that, so they can go out into the market and look for other coverage and hopefully find a better rate and a better policy."

John Greeley, a spokesman for the Texas Department of Insurance, did not answer specific questions about the rate review program, but did say the department is working on various aspects of the healthcare law.

Alexis Ahlstrom, who works on?insurance oversight for the federal government, says Texans may need to be a little more patient.

"You want the department of insurance to being doing a thorough review and that sometimes can take time," Ahlstrom said. "They might go back to the issuer and ask for more information. They may be working with the issuer to lower a proposed increase. So the end result might be very positive for Texas consumers when the department of insurance does make these determinations."

But advocates want to see results now, so they can work on their next priority: changing state law so that insurance department regulators can actually overturn an unreasonable rate hike.

In Texas, regulators can do that for auto and home insurance, but not health insurance.

This story is part of a reporting partnership between KUHF,?NPR?and Kaiser Health News.

All original KHN material ? articles, graphics and videos ? can be used for free, if you credit us and link to us. Learn more

Source: http://www.kaiserhealthnews.org/Stories/2012/July/20/Texas-Insurance-Rate-Review.aspx

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Christopher Nolan: Aurora 'Dark Knight Rises' Shooting 'Senseless'

Christopher Nolan Aurora

Christopher Nolan has spoken out about the horrifying events that took place at a midnight screening of his film, "The Dark Knight Rises."

"Dark Knight Rises" director Christopher Nolan has broken his silence on the shooting that took place at a screening of his film in Aurora, Co. In a statement which Nolan says is on behalf of the cast and crew of the film, the famed director expresses "profound sorrow at the senseless tragedy" and explains that "the movie theatre is my home."

Here's his full statement:

Speaking on behalf of the cast and crew of The Dark Knight Rises, I would like to express our profound sorrow at the senseless tragedy that has befallen the entire Aurora community. I would not presume to know anything about the victims of the shooting but that they were there last night to watch a movie. I believe movies are one of the great American art forms and the shared experience of watching a story unfold on screen is an important and joyful pastime. The movie theatre is my home, and the idea that someone would violate that innocent and hopeful place in such an unbearably savage way is devastating to me. Nothing any of us can say could ever adequately express our feelings for the innocent victims of this appalling crime, but our thoughts are with them and their families.

TV networks announced Friday that they were pulling advertisements for the movie. Warner Bros., the studio behind the film, was reportedly editing the trailer to remove depictions of gun violence.

  • John Stamos

  • KevinSmith

  • J.R. Martinez

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Unique mechanism identified in bacteria as potential target for developing new antibiotics

ScienceDaily (July 20, 2012) ? Researchers from Florida Atlantic University's Charles E. Schmidt College of Medicine have identified a unique mechanism in bacteria that has the potential to serve as a target for developing new antibiotics for diseases such as AIDS and soft tissue infections including respiratory and urogenital tracts, which are currently difficult to treat.

The results of these findings were published in an article titled "Novel One-step Mechanism for tRNA 3'-End Maturation by the Exoribonuclease RNase of Mycoplasma gentialium" in the current issue of the Journal of Biological Chemistry.

Co-authors of the article are Ravi K. Alluri, a pre-doctoral student in the department of biomedical science and Dr. Zhongwei Li, Ph.D., associate professor of biomedical science in FAU's Charles E. Schmidt College of Medicine.

Li and Alluri explain that every organism lives on the same principle that genes direct the production of proteins. This process depends on a set of small RNAs called tRNAs that carry the building blocks of proteins. A tRNA is produced from its gene initially as a precursor that contains extra parts at each end (5' and 3' ends) and sometimes in the middle. These extra parts must be removed through RNA processing before tRNA can work during protein production. The processing of tRNA 5' end has been known for quite some time and work on this enzyme has received a Nobel Prize. Processing of the 3' end is much more complicated and has only been revealed in some organisms more recently. Organisms that have nucleus in their cells, including humans, appear to process the 3' end of tRNA in a similar way. A tRNA must be precisely processed before it can carry a building block for proteins.

"Intriguingly, bacteria appear to process the 3' end of tRNA very differently," said Alluri. "And we are still trying to reveal the various enzymes called RNases, which remove the 3' extra parts of tRNA precursors."

Some of the RNases cut the RNA in the middle, while others trim the RNA from the 3' end. Most of the bacterial pathways involve multiple RNases to complete tRNA 3' processing.

"Knowing how tRNA is processed in different types of bacteria is important not only for understanding how bacteria live, but also for developing novel antibiotics that specifically control bacterial pathogens," said Li.

One such pathogen is the bacterium Mycoplasma genitalium, which is the second smallest known free-living organism that is thought to cause infertility. Alluri and Li's current work focuses on this bacterium -- its genome only contains about 10 percent of the genes found in other common bacteria. Surprisingly, this bacterium contains none of the known RNases for tRNA 3' processing and hence it has to use a different RNase to do so.

"What we have discovered with Mycoplasma genitalium is that it uses a completely different RNase called RNase R to process the 3' end of tRNA," said Alluri. "RNase R can trim the 3' extra part of a tRNA precursor to make a 'functional' tRNA. It is even smart enough to recognize some structural features in the tRNA and tell where the trimming has to stop without harming the mature tRNA."

The ability of RNase R to completely remove the 3' extra RNA bases in a single-step trimming reaction represents a novel mechanism of tRNA 3' processing. Other mycoplasmas generally have small genomes and likely process tRNA in the same way. Using only one enzyme for this complicated task saves genetic resources for mycoplasmas.

"Importantly, blocking the function of RNase R in mycoplasmas can stop protein production and kill the bacteria, making RNase R an excellent target of new antibiotics for treatment of mycoplasma infection," said Li.

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The above story is reprinted from materials provided by Florida Atlantic University, via Newswise.

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


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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://www.sciencedaily.com/releases/2012/07/120720103403.htm

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KITdigital: Twitter Is The Number One Social Network Amongst Global Companies: http://t.co/KZ4pdCRb via @ebroms #SocialMedia

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Source: http://twitter.com/KITdigital/statuses/225952995756630017

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Friday, July 20, 2012

Email marketing rules and best practices- Is your business adhering ...

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Email marketing can help keep your business stay connected with your consumers. It?s an opportunity to keep your business in the mind of your consumers and keep them posted on your offering and services.

There are laws and regulations that have been put in place to protect consumers from unfair email marketing practices. Although many don?t follow these laws it?s important to inform yourself?and get additional information of fair email?marketing practices.

Email Marketing for business tips- CAN SPAM

It?s likely that there are businesses who aren?t educated in these laws and break them without intending to. As the use of email marketing continues to grow expect these laws/regulations to be further enforced. So as a business owner be sure to educate yourself and keep an eye for changes in these laws.

Before you make use of our e-mail list building techniques?take the time to review how the laws in place affect you. The Can-spam law was established in 2003.

CAN-SPAM derives from the bill?s full name: Controlling the Assault of Non-Solicited Pornography And Marketing Act of 2003. The CAN-SPAM Law covers all commercial email messages. So what does the term commercial email mean? It means ?any electronic mail message the primary purpose of which is the commercial advertisement or promotion of a commercial product or service.? That includes all email that promotes content on a commercial website, so if your website makes any money at all and your email links back to it, you are liable under the CAN-SPAM Law.

I have included Drio?s email marketing rules. We typically give our clients a copy to ensure everyone understands the rules and regulations to successfully building an email list. You can modify this document and use it for your business.

Basic Rules:

To send an email to someone using our e-mail marketing that recipient must be:
- Someone who is a customer, member or subscriber of your business or organization,
- Someone who has specifically asked to receive your emails by opting in or signing up in some way, or
- Someone who has bought a product or service from you in the past 18 months

1. No list rental or purchasing lists

We do not allow any customers to rent or purchase lists and send to them using our email campaign network.
Why? Lists obtained in that manner aren?t worth the trouble and expense. We know that email works best when it appeals to an audience that?s receptive to your message, and that begins with a true permission-based list.

2. ?No old lists

When it comes to sending permission-based email, the age of the list matters. If enough time passes between someone initially subscribing to your list and eventually receiving an email from you, permission ?expires? as people eventually forget what they?ve signed up for. That?s why we don?t allow sending to any email address that was obtained more than 18 months ago and has not received any correspondence from you since that time.

3. Paying customers

If they are current or recent customers (within the last 2 years at the longest) then you are safe to assume an existing relationship.If it?s been longer than that and you?ve not been emailing them regularly, then it is a no go zone.

4. Website contact forms

Sending in a question or comment isn?t the same thing as opt-in permission. Even if your form says ?send me more information?, that doesn?t mean you can add them to a marketing list, it just means you can send them specific information as requested.

Unless your contact form clearly lets people choose to also receive your newsletter, they have not given you permission.

5. Everyone signed up directly on a form (in person)

Perfect, that?s clear, direct permission and you are good to go. Just make sure you email people regularly (don?t leave it months before contacting them) and that you only send them what you promised you would.

6. We sponsored this tradeshow, and we got a list of everyone who attended

This is very common, but it doesn?t count as permission. Those people may well have agreed to hear from every vendor as part of their entry, but it isn?t explicit, direct permission to your company. It is not allowed to be used with this software, even if the tradeshow organizer tells you it is fine.

7. These are all my friends, colleagues or family members.

You do still need to have their direct permission. That could be as simple as verbally asking them if it is ok to add them to your newsletter list. They probably won?t mind even if you don?t ask, but it still is not opt-in, and still not allowed.


*These rules are pretty standard from any e-mail marketing agency. ?If the rules are broken, the user will be dropped from the program.

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Source: http://www.driostudio.com/07/business/email-marketing-rules-and-best-practices-is-your-business-adhering-to-them/

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Which TV stars are most overpaid?

Adam Rose / Warner Bros

Ashton Kutcher on "Two and a Half Men." According to a study by The Los Angeles Times, Kutcher makes only $1.16 per viewer, while Chelsea Handler makes $16.70 per viewer.

By Cody Delistraty

Chelsea Handler is the most overpaid celebrity on TV and Ashton Kutcher should be asking for a hefty raise, according to a semi-scientific study conducted by The Los Angeles Times.

The Times? study divided the salaries of TV personalities by the average number of viewers their show attracts, ranking them according to how much money they make per viewer. Handler, who makes $12 million, attracts only 718,000 viewers on average, which works out to the comedienne earning an astonishing $16.70 for each viewer ? the most of any TV personality.

While the study fails to account for the fact that some performers tape 200 or more episodes per year (Jon Stewart?s ?Daily Show,? for example) or the importance of attracting a young demographic (we?ll give you that, Chelsea) or the fact that all salaries are unofficial and based on ?agency sources and reported figures? as the Times concedes, the study nonetheless provides an interesting look into the rather incomprehensible, illogical world of TV.

According to the findings, it seems that Handler, David Letterman and Anderson Cooper are maximizing personal gain, rounding out the top three in most money per viewer; however, ?Jersey Shore?s? Snooki, ?Modern Family?s? Ty Burrell and ?Two and a Half Men?s? Kutcher are giving their networks a real bang for their buck with some of the lowest per viewer earnings. Then again, it?s hard to think Burrell and Snooki?s million-dollar annual salaries are reason to groan. And while Kutcher pulls in only $1.16 per viewer, with a $17 million salary he ends up making about $1 million?for each of his?twenty-two minute episodes. All of a sudden, the floppy-haired star doesn?t seem so underpaid.

It really does seem impossible to gauge how much a star deserves though. ?Judge Judy?s? Judith Sheindlin?makes the most of any TV personality: $45 million annually.?How's that work, you might ask? The supreme ease and profit in syndicating ?Judge Judy? is probably the best answer.?But other questions abound.

Why should Stephen Colbert earn only one-third of Jon Stewart?s salary for making essentially the same show? And how did Keith Olbermann make what?the Times estimates to be?$56 per viewer when helming ?Countdown? on Al Gore?s Current TV?

Perhaps?paychecks hinge?less on economic sense and more on an entertainer?s ?it? factor and potential drawing power. The Times notes that ?intense competition makes network executives do increasingly desperate things.?

After all, Olbermann's short-lived gig?pulled Current TV into the spotlight, Letterman has helped make CBS the most-watched network thanks in part to his show?s late-night domination, and Stewart pulls in youngsters and provides a widely watched platform for movie stars and authors alike to discuss their projects and crack a few jokes.

While we can roll our collective eyes at Chelsea Handler?s $16.70 per viewer salary for ?Chelsea Lately,? perhaps someone over at E! knows exactly why she deserves so much. It just goes to further prove how complex the TV industry is. Either that, or Handler has one hell of an agent.

Are all actors overpaid? Who's most deserving of the big bucks? Tell us on Facebook.

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Source: http://theclicker.today.msnbc.msn.com/_news/2012/07/18/12795052-the-true-worth-of-tv-stars-1-million-per-episode-get-ashton-kutcher-a-raise?lite

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Thursday, July 19, 2012

SPIN METER: 'Middle class' turns fuzzy in politics

FILE - In this July 9, 2012 file photo, President Barack Obama calls on Congress to pass a temporary, one-year extension of the Bush-era tax cuts for people who make less than $250,000 a year, during a statement in the East Room of the White House in Washington. (AP Photo/Susan Walsh)

FILE - In this July 9, 2012 file photo, President Barack Obama calls on Congress to pass a temporary, one-year extension of the Bush-era tax cuts for people who make less than $250,000 a year, during a statement in the East Room of the White House in Washington. (AP Photo/Susan Walsh)

FILE - In this July 11, 2012 file photo, Republican presidential candidate, former Massachusetts Gov. Mitt Romney speaks in Houston, Texas. (AP Photo/Evan Vucci, File)

(AP) ? In a recent speech, President Barack Obama referred to the "middle class" 14 times, defining it as a family that makes up to $250,000 a year. Republican challenger Mitt Romney has looked at it from the other direction, saying that someone who falls into poverty "is still middle class."

In the fuzzy labels and loose speech of this political season, "middle class" has ballooned to cover just about everyone. So what does the term really mean?

There's no official definition.

If anything, a slew of economic data suggests a middle class that's actually shrinking. Mid-wage manufacturing and other jobs are disappearing due to automation and outsourcing, while lower-income positions and poverty spike higher. The White House's chief economist, Alan Krueger, said in January that the middle class fell from 50 percent of U.S. households in 1970 to 42 percent in 2010, as more families moved to the extreme ends of income distribution.

But it's not just about economic ranges. And politicians are not bound by such gauges anyway.

"Politicians love to use the term, because it's vague and connotes an image of regular American people." said Dennis Gilbert, a sociology professor at Hamilton College and author of "The American Class Structure in an Age of Growing Inequality." He said, the varying uses of "middle class" on the campaign trail are "dishonest, and it's absurd."

In recent months, the phrase has been popping up with increased frequency. Referring to the election as a "make-or-break" moment for the middle class, Obama used the term repeatedly in his July 9 speech calling for an extension of "middle-class" tax breaks for families making less than $250,000, or $200,000 for individuals ? basically everyone but the top 2 percent. He mentioned the phrase seven times at a fundraiser Tuesday in San Antonio.

Romney has suggested that the upper bounds of the middle class include families earning $200,000. He's pushing an extension of the Bush-era tax cuts for everyone, including the wealthiest 2 percent. Romney's campaign seeks to highlight a weak economy that he says is a "kick in the gut to the middle class," with a new video this week attacking what he calls an Obama record of "political payoffs and middle-class layoffs."

Just Wednesday, Republican House Speaker John Boehner stepped into the fray with a comment that Obama "doesn't give a damn about middle-class Americans who are out there looking for work."

Responded Obama spokesman Jay Carney: The middle class is the "principal preoccupation" of Obama's presidency.

The meaning of "middle class" has grown even harder to parse following a populist Occupy movement that for months protested high unemployment and income inequality with a rallying cry of "We are the 99 percent."

Formal definitions vary, but few academics would say it covers more than 60 percent of Americans.

When it comes to earnings, the Census Bureau divides household income into quintiles, or groups of 20 percent. Some economists narrowly define the middle class as those in the middle 20 percent of the distribution, earning between $38,000 and $61,000. Others define it more broadly to include the middle 60 percent of the income distribution, between $20,000 and $100,000.

Defining who is poor, by contrast, is officially more absolute. The federal poverty line is based on the minimum income needed to have what the government considers a basic standard of living. Two times the poverty line is often a cutoff for "low-income" families who may be eligible for government aid. The poverty line currently is $22,314 for a family of four, meaning that a family making $44,000 could be both "low income" and "middle class."

Yet another way to gauge class is what income tax bracket you're in. The IRS has six of them. This year, the bottom bracket sets a tax rate of 10 percent for taxable income up to $17,400 for couples. The top bracket is 35 percent, applied to taxable income above $388,350. The middle class is commonly seen as falling in the 15 and 25 percent brackets, or couples whose taxable income is between $17,400 and $142,700. But some define it all the way up to the second-highest bracket, which is 33 percent and includes taxable income up to $388,350.

Sociologists take a broader view and focus not on income, but occupation: an "upper middle class" of white-collar specialists (lawyers, engineers, professors, economists and architects); and a "middle class" of lower-level white-collar workers (teachers, nurses, insurance sales and real estate agents). Together, these groups make up about 45 percent of households and sit near the upper end of the income distribution, just behind the top 1 percent.

The meanings shift more dramatically when measured by self-identification and quality of life.

Few Americans label themselves as upper class or lower class, which are seen as either pretentious or demeaning. Roughly 95 percent of adults say they are middle class (50 percent), upper middle class (13 percent) or working class (32 percent), according to a Washington Post-ABC News poll conducted in May. Just 2 percent describe themselves as "better off" than upper middle class.

A separate ABC News poll found that being "middle class" often meant more to people than specific income levels, which can be affected by family size, expenses and local costs of living. At least two-thirds of adults said being middle class meant owning a home, being able to save for the future and afford things like vacation travel, the occasional new car and various other little luxuries, according to the 2010 poll.

The slippery definitions have created incongruous political moments.

In his January speech describing a shrinking middle class, Krueger, who is chairman of the White House Council of Economic Advisers, offered a precise definition that has yet to be applied on the campaign trail: households with annual incomes within 50 percent of the national median income. The current median income is $49,445, putting middle-class earnings in a range from $25,000 to $75,000.

Democrats from higher cost-of-living areas, such as Sen. Chuck Schumer and House Minority Leader Nancy Pelosi, have sought to push the "middle class" definition higher, arguing that families earning up to $250,000 in big cities such as New York and San Francisco are more likely to be dual-income worker bees than a wealthy elite. They initially pushed for extending tax cuts for those with incomes under $1 million, but are now backing Obama's proposal, which would yield an additional $366 billion in tax revenue over the next decade.

Romney, who sometimes battles perceptions that his vast wealth makes him out of touch, stirred derisive comments when he told MSNBC in January that he wasn't focusing so much on the needs of the poor. He explained that "somebody who's fallen from the middle class to poverty, in my opinion, is still middle class." Liberal bloggers were quick to ridicule the idea of "middle-class poverty."

"'Middle class' in politics is not a numerical value," said Kathleen Hall Jamieson, director of the Annenberg Public Policy Center at the University of Pennsylvania. "When voters hear 'middle class,' they don't hear people who make above or below this amount of money, they hear 'us.' It's a way for politicians to signal to voters that 'I share your values.'"

It's hard to entirely fault politicians who mirror definitions of "middle class" that voters want to hear.

But Jamieson says the fuzzy meanings confuse public debate, whether it's about spending for government safety-net programs for the poor, balancing the federal budget by taxing a wider range of income earners or creating jobs for an American middle class with varying degrees of education and skill levels. "That kind of slipperiness creates a disconnect between campaigning and governance," she said.

___

Associated Press Deputy Director of Polling Jennifer Agiesta contributed to this report.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2012-07-18-US-Defining-Middle-Class/id-b67e04fcf883478aaa4af9f0b179500d

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Wednesday, July 18, 2012

The Work From Home World-wide-web Company Is booming On ...

The perform from dwelling revolution online is in full swing. There has never ever been a better time or opportunity to produce dollars on the internet working at house in front of your pc. The number of money producing opportunities is endless.

With today?s technologies it is actually pretty feasible to run your entire company online from anyplace on the planet working with your laptop personal computer. You no longer need to leave your house to create a living for your family. It could be accomplished from the comfort of your own home. No commute expected. No travel time with decreased fuel consumption and upkeep on your cars. Greatest of all that you are your own boss.

The amount of people employing the internet worldwide continues to improve nearly monthly. This bodes effectively for world wide web business enterprise entrepreneurs and any person wishing to reap the benefits of the net perform from household business business. International Net Statistics shows more than 800 million individuals worldwide are now using the net.

Just do a look for world wide web small business possibilities on Google or your favorite search engine. You?ll come across internet sites advertising many best Net home based company goods and services from paid surveys on line to network advertising and MLM businesses. In case you currently have your personal site you could even sign up with Google ad sense and make money displaying Google ad words ads on your web-site. In reality everywhere you look on the net just about each and every single internet site you visit is generating funds from some type of advertising or work from property small business opportunity.

The net is forever altering the international job scene and the globe economic climate with new world wide web possibilities arriving on the web just about every day even as you read this. We are able to only hope that this will likely make the globe cleaner and also an improved spot to live with less pollution from automobiles and lowered pollution from factories. This in turn could make a backlash on the economic climate but it has however to be seen. We all know the causes behind why we?re still utilizing oil and gas rather than clean power. (It would kill the international economic climate). Net small business could possibly be just as threatening as electric vehicles and automobiles running on fuel cells.

We?re indeed inside a revolution. The final revolution was referred to as the industrial revolution. This a single is known as the information and facts revolution. Or what I prefer to think of it, the work from household revolution.

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Source: http://artyapt.com/blog/the-work-from-home-world-wide-web-company-is-booming-on-the-net-2/

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The Weaponization of Economic Theory | NO LIES RADIO

by Prof. Michael Hudson

Europe?s Three Needs: A Debt Write-down, A Real Central Bank, and a More Efficient Tax System

Brussels Talk, Madariaga College,

Governing Globalisation in a World Economy in Transition,

June 27, 2012

What can Europe learn from the United States?

First, the United States ? like Canada, England and China ? have central banks that do what central banks outside of Europe were created to do: finance the budget deficit directly.

I have found that it is hard to explain to continental Europe just how different the English-speaking countries are in this respect. There is a prejudice here that central bank financing of a domestic spending deficit by government is inflationary. This is nonsense, as demonstrated by recent U.S. experience: the largest money creation in American history has gone hand in hand with debt deflation.

It is the commercial banks that have created the Bubble Economy?s inflation, from North America to Europe. They have recklessly lent mortgage credit and other credit far beyond the ability of domestic economies to pay. A real central bank can create credit on its electronic keyboards just as easily as commercial banks can do. But central banks do not create credit for speculative purposes. They do not make junk mortgages based on ?liars? loans? (the liars are the banks, not the borrowers), based on fictitious evaluations by crooked appraisers, and sold fraudulently to investment banks to package and sell to gullible Europeans, pension funds and other customers.

In short, there is no need for the present austerity. If Europe acted like the United States, it could bail out the banks.

But would this be a good thing? My second point is that there are good reasons not to fund a dysfunctional debt overhead, financial and tax system. It is preferable to change these systems.

In the United States, Paul Krugman has urged the Federal Reserve to simply lend banks an amount equal to their bad loans and negative equity (debts in excess of the market price of assets). He urges a ?Keynesian? program of spending to re-inflate the economy back to bubble levels. This is the liberal answer: to throw money at the problem, without seeking structural reform.

The Bank for International Settlements (BIS) disagreed last week in its annual report. It said ? and I believe that it is right ? that monetary policy alone cannot solve an insolvency problem. And that is what Europe has now: not merely illiquidity for government bonds and corporate debt, but insolvency when it comes to the ability to pay.

In such circumstances, the BIS explains, it is necessary to write down the debt to the amount that can be paid ? and to undertake structural reforms to prevent the Bubble Economy from recurring.

The Canadian postal workers union has an informal slogan: ?A job that?s not worth doing is not worth doing well.? I might apply this to Europe by saying that a badly structured economy is not worth subsidizing or saving. It should be made well.

This entails, for starters, writing down the debt overhead. That is what created the German Economic Miracle of 1948: the Allied Monetary Reform that wiped out debts over and above minimum working balances, and wages debts owed by employers to employees. It was easy to write down debts that were owed to Nazis. It is much harder to do so when the debts are owed to powerful and entrenched institutions ? especially to banks.

Take the case of a Greek debt writedown. This would hurt the Greek banks first and foremost, and also more innocent German insurance companies and banks.I have a modest suggestion as to how to handle this. First, let the Greek banks go under. They helped stymie the Greek government?s attempt to stop tax evasion and money laundering. They have been described as co-conspirators and corrupt. Of course their depositors should be made whole by a standardized, public bank insurance scheme. But bank bondholders and stockholders, and even non-insured depositors, are another matter.

As for the German institutions, if a Greek Clean Slate pushes them into insolvency, the German Government should do what the U.S. Federal Deposit Insurance Corp. (FDIC) is empowered to do: take them over, make all the depositors and policy holders whole, and operate these institutions as a public option ? either temporarily or permanently.

The alternative is austerity and debt deflation that will leave European markets shrinking, living standards falling, and turn Europe into what U.S. Defense Secretary Rumsfeld has said so often: ?Old Europe,? as if it is too late to be saved. Any discussion of the U.S. economy necessarily involves the global context. So it is necessary to discuss not only domestic U.S. developments, but also relations with Europe and the BRICS countries.

The most important dynamic is financial. A continued decline in real estate prices, coupled with local government debts, has led to debt deflation. As personal and corporate income are diverted to pay debt service, spending on new consumption and investment goods is cut back. Sales and employment opportunities are falling off, especially for new entrants into the labor force. Major categories of debt cannot be repaid in Europe and the United States, except by foreclosures transferring property to creditors. Short-term financial aims overshadow the long-term adjustments that ultimately will be needed: debt writedowns in the public and private sectors. The alternative to this ?business as usual? scenario is for the U.S. and European economies to look increasingly like the Baltics ? austerity aggravating economic shrinkage.

The U.S. Government as well as European governments have taken bad bank debts onto the public balance sheet. This is not a problem for the United States, whose Federal Reserve can simply create the credit to roll over its debt. But for Europe, public debts simply cannot be paid under current central bank constraints. Instead of changing the central bank rules, the European Union is willing to plunge the continent into depression and economic shrinkage.

U.S. Austerity and deeper Negative Equity

The U.S. economy is free of the monetary constraint that Europeans impose on themselves. The Federal Reserve does what central banks are supposed to do: monetize government deficit spending by buying public debt. However, the increase in new government debt creation has not been mainly to finance deficit spending to increase economic activity and employment, to invest in rebuilding the nation?s infrastructure or providing states and cities with the revenue sharing that in the past enabled them to balance their local budgets. Instead, the government has created debt in an attempt to re-inflate real estate markets back toward Bubble Economy levels. The idea was for the economy to ?borrow its way out of debt.?

In practice, there was not much hope of success. The banks sent the $800 billion of Federal Reserve?s Quantitative Easing (QE2) in 2012 abroad, mainly to the BRICS economies in the form of interest rate and currency arbitrage. The banks? idea was to earn their way out of their own negative equity, but not by lending to a real estate market whose prices continue to decline. This is forcing more properties into negative equity ? and that leaves the banks themselves in a negative equity position. So there is little new lending for real estate, to consumers, or to business. Markets are being shrunk by debt deflation.

States and cities also face a shrinking tax base, and many are subject to constitutional requirements for balanced budgets. The path of least resistance has been to underfund their pension plans ? which have fallen far behind, especially inasmuch as most plans assume an 8% annual rate of return. This rate ? assuming a savings doubling time of just nine years ? has become even more fictitious today than it was a decade ago. So some localities have taken risks and lost ? with their loss being the counterpart to earnings by the largest banks on derivatives.

The bottom line here is that the U.S. economy is not in a position to ?borrow its way out of debt.? The outlook thus is for a similar austerity to that of Europe.

Financial fraud has been effectively decriminalized in the United States. In a nutshell, people have lost trust in the banks ? and the financial sector itself mistrusts its fellow institutions. So the non-bank money market funding has dried up for business, and individuals are afraid to invest in the stock market.

President Obama retains his progressive rhetoric, but actually is neoliberal. (His Senate mentor was Joe Lieberman who helped him go for the money and choose Rubinomics advisors.) Mitt Romney pretends to be a right-wing extremist, but seems reasonable on economic policy. However, he may feel under pressure to support right-wing Republican lobbyists in the Congressional leadership. Even if he does, there will not be much difference from the Obama administration. The U.S. situation thus is much like that of Britain under Labour party leadership in recent years: centrist or even left-wing rhetoric on social policies, but neoliberal financial policy favoring the banks.

BOTTOM LINE: Neither the U.S. nor European economies can ?grow their way out of debt.? Their debt deflation will worsen, and their budget deficits will widen.

The U.S. Political Outlook

As in Europe, there is little alternative from the ostensible left ? from the Democratic Party, the labor unions and allied interests. President Obama seems likely to win this November?s presidential elections, and he is a neoliberal ? probably more so than the Republican candidate Mitt Romney.

The common backers of the Republican and Democratic Parties ? mainly, Wall Street and real estate interests ? realize that a Democratic President is in a better position than a Republican to neutralize Congressional or Senate opposition to scaling back and privatizing Social Security and Medicare. Democratic politicians are more likely to counter Republican proposals along these lines than proposals put forth by their party?s own president. The situation is much like Tony Blair out-Thatchering Britain?s Conservatives in trying to privatize British rail and tube infrastructure and promoting the Public-Private Partnership plan. This is essentially the Rubinomics position supported by the Democratic leadership.

Many voters simply will stay home, so Mr. Romney may have a chance to win, based on support in the South and the West ? and even perhaps some Midwestern swing states. In either case, the 2013-16 administration looks like it will be a bipartisan neoliberal austerity.

From the U.S. vantage point, Europe is a dead zone. It looks to me like financial and fiscal self-destruction.

There would be some hope for progress if the financial crisis was used to clean up bureaucracy and shift the tax system off the cost of living and doing business to a land tax on economic rent. This would prevent a new real estate bubble from developing, by holding down the ?free? site value that could be capitalized into bank loans. This would lower the cost of housing, and also free employment from taxation. And it could go hand in hand with reducing the size of the Greek bureaucracy, for instance.

But I don?t see this happening in Europe. So financial austerity is likely to aggravate the budget deficits rather than help them. European economies are likely to grow ?surprisingly? less than forecasts suggest, and news media will report this as ?unanticipated slowdown? ?to everyone?s surprise? and so forth.

The likely political reaction in Europe is likely to be a nationalistic opposition to relinquishing government power. But this opposition is likely to come more from the right than from the left of the political spectrum. This is what is so striking about today?s political situation both in Europe and the United States: the failure of the left to provide an economic alternative, and of the right to reform the tax system and corruption.

BOTTOM LINE: The U.S. trade balance may improve as consumer budgets are squeezed, limiting imports, and as domestic shale gas cuts import demand. But capital inflows are unlikely to increase. And until interest rates begin to rise, capital outflows will continue (much as was the case in Japan after 1990). The U.S. is thus suffering a ?Japan syndrome.?

Increasing global fracture into regional blocks

Instead of international ?cooperation,? I see a regional rivalry among blocs polarizing between the U.S.-centered NATO bloc and the BRICS, expanding their influence. Europe looks pretty much left out, as its markets are not growing and it is not a prime investment area. The BRICS countries are likely to start erecting capital controls against easy-credit policies in the United States funding a takeover of their assets.

Financial flows and capital flight are putting upward currency pressure on the BRICS at the expense of the euro and the dollar. If the euro does not decline against the dollar, it is largely because both currencies are equally weak together and share similar problems. Both economies will shrink, leading to more insolvency for real estate and also for government budgets. This Euro-American shrinkage is likely to spur moves in China and other BRICS to rely more on growth of their internal market. China?s wage levels are likely to rise, prompting production to aim more to satisfy domestic consumer demand than foreign export demand.

The main problem for China is that one of the first expenditures of families with rising revenue is to buy autos. The government?s response is to invest more in public transportation, and is likely to impose an environmental tax. More dispersion of urban centers is likely in order to minimize transportation costs ? and more infrastructure spending in general.

Capital controls are likely, and also a denomination of foreign trade and investment in BRICS currencies rather than the U.S. dollar or euro. This tendency will accelerate if U.S. and European military policy continues to expand into Asia and other regions. As matters look at present, U.S. military diplomacy will focus more on trying to recover influence in Latin America, including privatization of key infrastructure to buyers (on credit) who will engage in rent extraction, adding to the price level. The result of debt deflation is thus to raise the cost of living and doing business for much of the economy, squeezing labor and commerce alike.

These policies are likely to be characterized as ?muddling through.? This means postponing what looks like the inevitable end game: a large write-down of government debt, a shift away from the dollar as global currency (quite possibly with a re-introduction of gold to settle balance-of-payments deficits). Diplomatically, these changes will constrain U.S. military spending, while pressuring Europe to re-orient its geographic focus if it is to resume economic growth and pull itself out of a feedback of debt deflation, unemployment and even emigration.

The neoliberal challenge

The term ?neoliberalism? misrepresents and even inverts the classical liberal idea of free markets. It is a weaponization of economic theory, kidnapping the original liberal ethic that sought to defend against special privilege and unearned income. To classical economists, a free market meant one free of unearned income, defined as land rent, natural resource rent, monopoly rent and rent-extracting privilege. But to neoliberals a free market is one free from taxes or regulation of such rentier income, and indeed gives it tax favoritism over wages and profits.

Neoliberalism and neo-conservatism are complementary doctrines of power and autocracy combined with deregulation and dismantling of democratic law. The aim is to replace government power as used to?protect the people with an oligarchic power to oppress the people.

Today, the neoliberal aim is to cripple government power, enabling a free-for-all for the financial sector. Protecting civil freedoms are also heavily signposted, but the high price of legal representation is a barrier for most. A doctrine primarily of the financial sector, the aim is to un-tax banks and financial institutions and their major customers: real estate and monopolies.

Neoliberalism is a doctrine of central planning, which is to be shifted from governments to the more highly centralized financial centers.?This requires disabling public power to regulate and tax banking and finance. As a transition, ideological deregulators such as Alan Greenspan and Tim Geithner have been appointed to the key regulatory positions in the United States.

The result is a doctrine of financial war not only against labor but also against industry and government. Gaining the financial power to indebt economies at increasing speed, the banking and financial sector is siphoning resources away from the real economy. Its business plan is not based on employing labor to expand output, but simply to transfer as much of the existing flow of revenue as possible into its own hands, by capitalizing all such revenue into interest payments, on loans collateralized and pledged to creditors.

The effect is no more democratic than the Roman democracy, which arranged voting by ?centuries? headed by the largest landowners ? essentially an acre-per-vote, to make an analogy. In the U.S. case, votes are bought not by land as such, but by dollars ? mainly from the financial sector. In the end, to be sure, most dollars come from rent extraction.

The result must be economic polarization, above all between creditors and debtors as in Rome. So the end stage of neoliberalism threatens a Dark Age of poverty/immiseration ? most characteristically, one of debt peonage. And just as Rome?s creditor class and its predatory imperial expansion brought down the Roman Empire and reduced it to mere subsistence, so the combination of neoliberalism and neo-conservatism today seeks to globalize itself, spreading austerity even as it brings technological progress to sovereign debtors.

Source: http://noliesradio.org/archives/47733

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