Important Tips To Follow To Improve Your ... - HWM Personal Finance

Most people have to deal with financial issues at some point in their life. Even kids, who only get an allowance, have to think about how and when to spend that money best. Complicated personal finances can be overwhelming if you do not have an organized plan in place. This article will provide you with a few tips to help make your financial situation a lot brighter.

Believe it or not, some debt is not bad. For example, buying real estate is a good debt. Usually properties, personal and commercial, increase in value and commonly the loan interest is tax deductible. College debt is also generally considered to be ?good? debt. Student loans are an investment in the future that may have attractive interest rates and deferred repayment.

You should always have either a debit card, or at least 10 dollars in cash for minor purchases. Recent law changes now allow merchants to dictate a minimum purchase when you are using a credit card.

TIP! Avoid fees by only using your own bank?s ATMs. Financial institutions often levy hefty per-transaction and monthly fees for using the ATM of other banks, and these fees can add up very quickly.

Keeping track of all of your expenses is important towards developing a solid plan for the future. Make sure, however, that you do not tuck your notebook away and forget about it. Try listing how much you spend on a whiteboard set up in your office or den. This serves a more visible reminder and will help you to stay on track.

Keep an envelope with you on your person. You can store receipts, business cards, and other important items in it. Keep this information available as a record that you might need at a later date. You might need these receipts later to compare against your credit card?s monthly statements in case a double charge or other error shows up.

The standard warranty is usually either 90 days or a year, which is plenty of time for most defective parts to quit on you. Usually, extended warranties are of no use to you.

Find a better bank to open a checking account. Don?t be sentimental about a checking account that?s costing you ridiculous fees. Do your research with your bank regarding your account. You may find options within your bank that do not carry fees, or determine that you need to find a new bank.

TIP! Tax planning is an advantageous way of improving your overall individual financial picture. If your employer offers any type of investment opportunities that would use pre-tax dollars, take advantage of them.

With respect to getting your finances in better shape, it is better to start late than not at all. If you start now, no matter what age you are, you will be more prepared later in life. The earlier that you start, the better, but it is never too late to begin.

Set aside your weekend spending money on Thursday, and stick to that budget. Your paycheck on Friday can then be left untouched. This will help you avoid foolish or impulsive spending on the weekend.

You can?t repair your credit without getting out of debt! It all starts with making essential cutbacks, so you can afford bigger payments to your creditors. For example, you might want to eat at home instead of going out, even on the weekend. Bringing food from home while at work and not going out on weekends can help save lots of money for anyone who is looking to make a serious effort to restore their credit.

Now is a great time to opt for generic-label groceries. There are often few differences between a premium name-brand food item and its generic equivalent. It also has identical ingredients. Don?t be hesitant to try the generic versions, because they are far less expensive.

TIP! To maintain control of your money, avoid incurring debt at all costs. While you may need to get into debt for mortgages or student loans, try to stay away from things like credit cards.

Savings should be the first thing you take from each check. If you try to save the money after the month has gone by, you will find that you do not have any money left. With the money actually being stored away safe and secure, you have a much lower chance of spending the money on something trivial or impulse-driven.

Understanding what compounding interest is, will help younger people get a good handle on their finances. Invest a small percentage of your earnings into a savings account.

Think carefully about your feelings toward money. Understanding your personal spending habits and the reason for these habits is the first step to transforming your personal finances. List out your beliefs about having money and material objects, and look for incidents in your past that shaped these ideas. You?ll be able to move on and cultivate more positive feelings in the future.

Working on tweaking your insurance policies to lower your monthly payments can be a great way to shore up the finances in your household. You can look into various tips like bundling policies, dropping excessive coverage, etc. This will let you save some money down the road.

TIP! Use a wall calendar, and write down all of your payments and the due dates. If you use this method, you won?t miss any payments even if your bill is lost in the mail or you don?t receive it for some other reason.

These tips will help anyone understand and shape their personal financial situation into a healthier, more productive situation. No matter whether you?re starting with five dollars in the bank or with five thousand in investments, the same principles apply, and you can use tips like these to boost yourself into a new, better way of life

tips

Source: http://hwm.cc/?p=244

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Futurity.org ? Light skin may not mean more cancer

East Asians, who have light skin like Europeans, have the same low melanoma rates as Africans. "We have the potential to find ways to make people with the European ancestry genes less susceptible to skin cancer," says pathologist Keith Cheng. (Credit: iStockphoto)

PENN STATE (US) ? An indigenous tribe from Malaysia may help scientists discover why East Asians have light skin but lower skin cancer rates than Europeans.

Understanding the differences could lead to a better way to protect people from skin cancer, researchers say.

While the genetics of skin color is largely unknown, past research using zebrafish identified the gene in Europeans that differs from West Africans and contributes to a lighter skin color.

Mutations in the genes SLC24A5 and SLC45A2 are largely responsible for European pigmentation, showing only single amino acid differences between Europeans and West Africans. Each version of a gene is called an allele.

While East Asians?Chinese, Japanese, and Korean?are also are light-skinned, these European alleles are not present, suggesting that while both groups? lighter skin color evolved to allow for better creation of vitamin D in northern climates, they did so in a different way that affects skin cancer rates.

Europeans have 10 to 20 times higher rates of melanoma than Africans. However, despite also having lighter skin, East Asians have the same melanoma rates as Africans. The reason for this difference can only be explained when the gene mutations for both groups are found.

?By finding the differences, we have the potential to find ways to make people with the European ancestry genes less susceptible to skin cancer,? says Keith Cheng, professor of pathology at Penn State.

This is a challenge, because to find the unidentified mutations, researchers must study a population that includes a blend of original African ancestry and East Asian ancestry, with little European contribution.

The Senoi, one of three indigenous tribes from Peninsular Malaysia, meet this condition. The Senoi are believed to include ancestry of a dark-skinned tribe called the Negrito, and a regional Mongoloid population of Indo-China, such as the Proto-Malay.

Since the skin color of the Senoi is darker than that of Northeast Asians, researchers will be able to focus on finding the primary genetic mutation of light skin color in Asians without seeing further skin lightening mutations.

Khai C. Ang, a postdoctoral fellow in Cheng?s lab, visited the Senoi, developed a positive relationship with them, and was able to collect 371 blood samples. Characterization of the Senoi?s skin color was recently reported in PLoS One.

?As the world is becoming globalized, populations are becoming increasingly mixed,? Ang says. ?Time is running out and it will become increasingly difficult to establish how East Asian skin colors evolved.?

The researchers will now map genes in the DNA using the collected samples to identify which might be responsible for the skin color of East Asians. In the Cheng lab, the candidate genes and mutations can then be tested in zebrafish for verification.

?Skin color has been tied to human welfare in modern history,? Cheng says. ?It is important for us as a species to realize that our skin color is determined by only a small number of minute changes in our DNA?changes that have nothing to do with the value of human beings.?

Researchers from Universiti Kebangsaan Malaysia and the University of Oxford contributed to the study that was funded by the National Institutes of Health, the Jake Gittlen Cancer Research Foundation of Penn State Hershey Cancer Institute, and Universiti Kebangsaan Maylasia.

Source: Penn State

Source: http://www.futurity.org/health-medicine/light-skin-may-not-mean-more-cancer/

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Army pounds east Damascus after chopper 'downed'

Syria's army on Tuesday pounded parts of the eastern belt of Damascus where rebels claim to have downed an army helicopter, a watchdog said, as world outrage mounted over a "massacre" near the capital.

The Syrian Observatory for Human Rights reported fierce shelling of the eastern neighbourhoods of Zamalka, Qaboon, Jubar and Ein Tarma, while a rebel commander told AFP the army had also launched an offensive targeting the rural Ghuta area east of Damascus.

The Observatory also reported heavy shelling by regime forces Tuesday of rebel bastions in the commercial capital Aleppo as well as in the northwestern town of Kafr Nabal in Idlib province, where it said at least 10 people died.

The latest violence follows a bloody Monday in which 190 people were killed across Syria, according to the Britain-based Observatory, and comes amid growing global concern over the plight of civilians caught up in the brutal civil war.

The chorus of criticism is being led by UN chief Ban Ki-moon, who on Monday demanded an independent inquiry into the killings of hundreds of civilians in the Syrian town of Daraya last week.

The UN chief was "shocked" by the reports of hundreds of bodies found in Daraya, southwest of Damascus, that was subjected to a five-day assault by pro-government forces last week, his spokesman Martin Nesirky said.

"The secretary general is certainly shocked by those reports and he strongly condemns this appalling and brutal crime," Nesirky told reporters.

"Where hundreds of civilians have been killed in Daraya, this needs to be investigated immediately in an independent and impartial fashion," the spokesman added.

The Observatory said on Tuesday that another seven unidentified bodies were found in Daraya, bringing to around 340 the number of corpses retrieved from the town after what activists described as brutal five-day onslaught of shelling, summary executions and house-to-house raids by pro-government forces.

The Sunni Muslim town of some 200,000 people is seen as a stronghold of opposition to the minority Alawite-led regime of President Bashar al-Assad.

Grisly videos issued by opposition activists showed dozens of charred and bloodied bodies lined up in broad daylight in a graveyard in Daraya, and others lying wall-to-wall in rooms in a mosque.

State media said the operation had "purified terrorist remnants" in Daraya, while pro-government television Al-Dunia said "terrorists" had carried out the killings.

The White House said the reports of the Daraya massacre were the latest evidence of Assad's "wanton disregard for human life."

Britain said it would be "an atrocity on a new scale" and the European Union said it was "totally unacceptable."

Tuesday's shelling of east Damascus comes a day after rebels from the Free Syrian Army claimed to have downed a military helicopter in Qaboon during relentless shelling, heavy fire by combat helicopters and fierce clashes between troops and rebels.

State television said the aircraft crashed near a mosque.

Pro-regime Al-Watan newspaper on Tuesday reported that the army had "cleansed" the Aleppo neighbourhood of Al-Izaa, adjacent to Saif al-Dawla district, of armed men and seized large quantities of arms and ammunition.

"This opens the way for cleansing the neighbourhood of Zabdiyeh and seizing the Saif al-Dawla and Sukari districts," it said.

The army took back Salaheddin from the rebel fighters in early August, but pockets of resistance remain, while the opposition still controls Saif al-Dawla and Sukari.

Elsewhere, seven men were killed by government troops in the central province of Hama, while another 10 were killed in shelling in the town of Kafr Nabal in northwest Idlib province, the Observatory said.

Activists say around 25,000 people have been killed since the uprising against Assad's rule broke out in March last year, while the United Nations says at least 200,000 people have fled to neighbouring countries and another 2.5 million are in need inside Syria.

Underscoring the growing humanitarian crisis, Turkey, which is struggling to cope with an influx of 80,000 refugees, said another 9,000 were now massed at the border awaiting for more camps to open.

Turkey has called for establishment of protected buffer zones inside Syria to receive people displaced by the conflict and prevent them flooding over the border and French President Francois Hollande said Monday that discussions were under way with allies on the possibility.

"We are working ... (on) the initiative of buffer zones proposed by Turkey," Hollande said, adding: "We are doing so in coordination with our closest partners."

Hollande urged the Syrian opposition to form a "provisional, inclusive and representative" government, adding: "France will recognise the provisional government of the new Syria as soon as it is formed."

But Washington cautioned against moving ahead too rapidly with a provisional government, saying more work needed to be done to ensure that it was broad-based and representative.

Some analysts have voiced concern that the opposition is dominated by Sunni hardliners who could seek revenge against Assad's minority Alawite community, threatening prolonged sectarian bloodshed.

Source: http://news.yahoo.com/army-pounds-east-damascus-chopper-downed-085724776.html

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Astronaut Neil Armstrong Dies

Astronaut Neil Armstrong, the first man to walk on the moon, is dead at the age of 82. He was the first of just 12 Americans to step on the moon from 1969 to 1972. Guest host Laura Sullivan speaks with science journalist Andrew Chaikin, who knew Armstrong and wrote about his contributions to the space program.

Source: http://www.npr.org/2012/08/25/160046600/astronaut-neil-armstrong-dies?ft=1&f=1007

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Bride-to-be plunges to death in her wedding dress

RAWDON, QUE. ? A recently married bride wanted to be photographed one more time in her wedding dress.

The photo shoot on Friday wound up killing her.

A Montreal-area woman, married just under three months, dipped her toes into a river northeast of the city near the town of Rawdon.

The water wasn?t particularly deep or turbulent. But it began to seep into the dress, making it heavy.

Eventually, the 30-year-old woman slipped from the rocks and was carried away by the Ouareau River.

?The photographer put down his equipment and tried to save her. He grabbed her with his hands,? said provincial police spokesman, Sgt. Ronald McInnis. ?(One witness) tried to help, but they couldn?t save her.

?The dress was too heavy,? McInnis said.

Two police officers arrived on the scene, took off their uniforms and jumped into the water to find her, McInnis said.

The woman had been carried toward a more stagnant pool of water and disappeared there, he said.

Eventually an avid scuba diver, who had heard the news about the accident, arrived with his gear.

He quickly found the woman?s body.

?She had sunk to the bottom,? McInnis said.

The woman from Laval, Que., was married on June 9.

Police initially reported that the woman was on the verge of being married, and that the accident had occurred nearby at the better-known and notoriously hazardous Dorwin Falls.

In fact, police explained later, the scene of the tragedy was not especially dangerous.

?There?s not a very strong current there, and not much water,? McInnis said.

?Her dress became full of water. It became too heavy.?

As for why the woman was being photographed in the river, in her bridal dress, months after the wedding, McInnis referred to a common practice known as ?trash the dress? photo shoots.

?But I don?t know,? he said. ?The investigation will tell us.?

Trash the dress is a form of wedding photography that involves taking photos of people in elegant clothing with an environment in which it is out of place.

Note to readers: This is a corrected story. An earlier version wrongly said the woman was not married and died at waterfall

Source: http://www.thestar.com/news/canada/article/1247044--bride-to-be-plunges-to-death-in-her-wedding-dress

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Centreville Virginia Homes for Sale and Real Estate, MLS Listings ...

CENTREVILLE?VIRGINIA?Real Estate Statistics, MLS?Listings?and Homes for Sale for the months of JUNE 2012 and JULY 2012.

The Statistics below apply only to real estate properties in CENTREVILLE Virginia that were SOLD during the months of?JUNE 2012 and JULY 2012?through the MULTIPLE LISTING SERVICE, MLS, and does NOT take into account For Sale By Owner, FSBO, and other privately sold properties.

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To search all Washington D.C. and Northern Virginia, Fairfax County and Centreville va MLS listings?and Homes For Sale by COUNTY, TOWN, ZIP CODE, LISTING NUMBER and MAP or MOBILE SEARCH from your smart phone, visit my web site: http://www.RealtorVivianneRutkowski.com/? or?? www.RealEstateWithViv.com

To search all Northern Virginia, Fairfax County and Centreville va OPEN HOUSES:? http://www.realtorviviannerutkowski.com/openhousesearch.shtml

To save your MLS Real Estate and Homes for Sale searches in Property Wizard and receive automated e-mail market updates: http://www.realtorviviannerutkowski.com/pw_login.shtml

To research Schools and Neighborhoods in Fairfax County VA & Centreville VA, Loudoun County VA, Arlington County VA, Prince William County VA, Fauquier County VA,?visit http://www.realtorviviannerutkowski.com/schoolinfo.shtml

To search Homes for Sale and to sign up for e-mail market updates and new listings that meet your criteria on my?Coldwell Banker Residential Brokerage?website, visit?http://www.cbmove.com/Vivianne.Rutkowski

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The TABLE below shows CENTREVILLE Virginia?MLS?real estate?and Homes SOLD during?JUNE 2012 and JULY 2012?as well as Inventory of MLS ACTIVE real estate listings?and Homes for Sale.? Average & Median Home Sale Prices,? Average Home Seller Subsidy, and Average Days on the Market for the 30 Single Family Homes,? 59 Townhomes and 9 Condominiums SOLD in CENTREVILLE VA during the month of?JUNE 2012?(see Previous Month in the middle column in the Table below) AND the 41 Single Family Homes, ?53 Townhomes and 8 Condominiums SOLD in CENTREVILLE VA during the month of?JULY 2012.

	JULY, 2012	PREVIOUS? MONTH	JULY, LAST YEAR
TOTAL UNITS SOLD
???? Single Family	41 UNITS	30 UNITS	32 UNITS
???? Townhomes	53 UNITS	59 UNITS	60 UNITS
???? Condominiums	8 UNITS	?9 UNITS	? 10 UNITS
MEDIAN SALE PRICE
???? Single Family	$532K	$552K	$488K
???? Townhomes	$320K	$305K	$283K
???? Condominiums	$199K	$200K	$202K
AVERAGE SALE PRICE
???? Single Family	$529K	$595K	$507K
???? Townhomes	$311K	$307K	$290K
???? Condominiums	$185K	$203K	$198K
AVERAGE List Price vs. Sold Price
???? Single Family	97.6%	97.7%	97.0%
???? Townhomes	98.7%	99.0%	97.2%
???? Condominiums	99.0%	99.2%	97.0%
AVERAGE DAYS on MARKET
???? Single Family	32 DAYS	24 DAYS	59 DAYS
???? Townhomes	26 DAYS	32 DAYS	23 DAYS
???? Condominiums	30 DAYS	29 DAYS	46 DAYS
AVER-GE SELLER SUBSIDY
???? Single Family	$4,715	$5,440	$6,890
???? Townhomes	$2,725	$2,925	$4,225
???? Condominiums	$1,370	$1,750	$2,625
TOTAL ACTIVE LISTINGS
???? Single Family	48 UNITS	*	*
???? Townhomes	63 UNITS	*	*
??? Condominiums	3 UNITS	*	*

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Graph of the Listed Price for the 41 Single Family Homes SOLD? in CENTREVILLE Virginia during the month of JULY 2012.

The MEDIAN SINGLE FAMILY HOME SALE PRICE was $532,000, the AVERAGE SINGLE FAMILY HOME SALE PRICE was $528,660, and the AVERAGE DAYS ON THE MARKET was 32 DAYS for the 41 Single Family Homes SOLD?in CENTREVILLE Virginia during the month of JULY 2012. ?????????

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Graph of the Listed Price for the 53 Townhomes SOLD? in CENTREVILLE Virginia during the month of JULY 2012.

The MEDIAN TOWNHOME SALE PRICE was $320,000, the AVERAGE TOWNHOME SALE PRICE was $311,450, and the AVERAGE DAYS ON THE MARKET was 26 DAYS for the 53 Townhomes SOLD?in CENTREVILLE Virginia during the month of JULY 2012.

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Graph of the Listed Price for the 8 Condominiums SOLD? in CENTREVILLE Virginia during the month of??JULY 2012.

The MEDIAN CONDOMINIUM SALE PRICE was $198,500, the AVERAGE CONDOMINIUM SALE PRICE was $184,650, and the AVERAGE DAYS ON THE MARKET was 30 DAYS for the 8 Condominiums SOLD?in CENTREVILLE Virginia during the month of?JULY 2012.

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CENTREVILLE Virginia Real Estate Statistics?for SINGLE FAMILY HOMES, TOWNHOMES, and CONDOMINIUMS: Average & Median Home Sale Prices, Average Days on the Market and Active MLS Inventory of Homes For Sale. Visit here for the list of the latest home sale prices in CENTREVILE Virginia Homes For Sale and NEIGHBORHOODS

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NOTE: Some numbers rounded. (*) indicates NO change in month-to-month data, or month-to-previous year data.

NOTE: All information presented here is believed to be accurate, but is subject to errors and omissions and should not be relied upon without verification.

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NOTE: The Table and the Graphs?cannot be reproduced or copied without written permission from the author.

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SOURCE: MLS ? MRIS, Metropolitan Regional Information Systems

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Table and Graphs compiled by:

VIVIANNE RUTKOWSKI
REALTOR, Licensed in Virginia
ABR, GRI, SFR, CDPE, CHRE

Toll-Free: 877.765.3799
Mobile: 540.229.5429
E-Fax: 888.864.3374
E-mail: VivianneRutkowski@GMAIL.com
WEBSITE: www.RealtorVivianneRutkowski.com
WEBSITE: www.RealEstateWithViv.com
BLOG:? http://VivianneRutkowski.WordPress.com

World Class Service with Integrity and Knowledge

Fairfax?County Virginia and Centreville VA?real estate agents, Centreville VA realtors, Centreville VA listing agents buyer agents selling agents, Centreville VA standard real estate transactions, Centreville VA new construction builder homes, Centreville VA short sale realtors real estate agents, Centreville VA ?foreclosures, Centreville VA rental homes, Centreville VA 1031 Exchanges, Vivianne Rutkowski REALTOR

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CENTREVILLE Virginia Homes For Sale and Real Estate?,??Centreville VA?townhomes for sale,?Centreville VA condominiums for sale, Centreville VA single family homes?for sale in Barros Circle, Belle Pond Farm, Braddock Downs, Bryarton, Cabells Mill, Cedar Crest Estates, Cenreville Crossing, Center Terrace, Centre Ridge, Centre Ridge Land, Centreville, Centreville Crossing, Centreville Farms, Chalet Woods, Country Club Manor, Crofton Commons, Cub Run, Deerfield Ridge, Devereaux Estates, Englewood Mews, Faircrest, Faircrest North, Faircrest South, Fairlakes Crossing, Fox Meadow, Gate Post Estates, Green Trails, Hanna Estates, Heritage Crossing,? Heritage Estates, Jackson Fields, Lee Overlook, Leroy Harris Property, Lifestyle At Sully Statn, Little Rocky Run, London Towne, London Towne West, Madison Ridge, Newgate, Newgate Forest, North Hart Run, Old Mill, Pleasant Hill, Pleasant Valley, Ratcliffe, Rocky Run, Sanderling, Sequoia Farms, Singletons Grove, Stone Crossing, Stonegate, Stonegate At Faircrest, Sully Manor, Sully Station, Sunset Ridge, Tanners Ridge, The Fairways, The Meadows, Townes At Fair Lakes, Village At Mount Gilead, Virginia Run, Walney Mills, Westport, Willoughbys Ridge, Winding Ridge, Woodgate Crossing, Woodgate Manor, Woodgate Village, Woodlands Of Fair Lakes, Xanadu Estates.

39.112627 -77.553698

Source: http://viviannerutkowski.wordpress.com/2012/08/24/centreville-virginia-homes-for-sale-and-real-estate-mls-listings-and-open-houses-search-realtors-and-real-estate-agents-vivianne-rutkowski-centreville-virginia-real-estate-statistics-average-am/

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Source: http://www.superiodicoaldia.com/tax-relief-aplustaxrelief-com-has-over-decade-of-expertise-in-best-tax-relief-companies/

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AVMA Releases Pet Census Results | Steve Dale's Pet World

With cat population on the decline, what does this mean for shelter cats?

SAN DIEGO, CA -- Pet ownership is on the decline. On Aug. 3, during the American Veterinary Medical Association (AVMA) Convention here, Dr. Karen Felsted revealed new data from the soon-to-be-released 2012 AVMA Pet Demographic Sourcebook (based on data collected in 2011). This pet census polls over 50,000 American households every five years. While cats remain America's most popular pets, they've taken a hit in popularity for the first time since the survey was initiated in 1983.

There are now 74.1 million pet cats in the U.S., a decline of over nine percent from when the survey was last conducted in 2006. Dogs aren't exactly having their day; their numbers also went do down, dropping three percent. The survey indicates there are 69.9 million pet dogs in America.

It's interesting to note the enormous change in culture, even since 1983. In that first AVMA survey, there were 55.6 million dogs, and 52.2 million cats in America. Cats took over in 1987 as America's most popular pet and they haven't looked back. Overall, the pet population has grown at a faster pace than the human population.

Still, in 2011 numbers dropped. The number of pet birds in the U.S. totally crash landed in this most recent survey, falling about 26 percent from five years ago to 8.3 million. The horse population also took a hit, down about 33 percent to 4.9 million compared to 2006.

Why the decline in the pet population?

"The economy plays a significant role. Beyond that, it's simply conjecture," said Felsted, of Felsted Veterinary Consultants, Richardson, TX. Certainly, it should come as no surprise that the survey indicates the number of households with at least one pet has dropped just over two percent since 2006.

With recent reports of a decline in veterinary visits for all pets, it's good to see that in the new survey, veterinary visits for dogs actually increased just over nine percent over 2006.

However, cats are now clearly lagging behind in several ways. For starters, vet visits for cats are down over four percent from 2006. In fact, nearly half of all pet cats didn't even see a veterinarian in 2011, according to the survey.

The AVMA survey indicates two-thirds of all cat owners understand the importance of preventive care checkups, which is far higher than other industry reports. If this statistic is accurate, however, many owners are clearly not seeing a veterinarian unless their pet is ill. Unfortunately, not all owners may recognize when a cat is sick, since cats are so adept at masking illness.

Despite not visiting the veterinarian, nearly 80 percent of dog and cat owners maintain that they're happy with the services their veterinarian supplies, and pleased with the facility and clinic staff, according to the survey. At the same time, pet owners are increasingly receiving information about pet health from elsewhere, most often the Internet.

While pets in many European countries are insured, pet insurance is gradually catching on in the U.S. According to the survey, six percent of dogs and nine percent of horses are now insured. Cats continue to lag behind here, too, with only three percent are insured.

Additional results from the 2012 AVMA Pet Demographic Sourcebook are expected to be available this fall.

Filed under: American Veterinary Medical Assocation, birds, cats, dogs, horses, Parrots, Partners for Healthy Pets, Patnership for Preventive Pet Healthcare, veterinary health

Tags: American Veterinary Medical Assocation, AVMA Pet Demographic Sourcebook, Dr. Karen Felsted, number of birds, number of cats, number of dogs, number of horses, pet birds, pet cencus, pet spending, Steve Dale archives, veterinary visits

Source: http://www.chicagonow.com/steve-dales-pet-world/2012/08/avma-releases-pet-census-results/

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Burning Books reading at Diesel Bookstore | Piedmont Art ...

Thursday, October 4, 2012, 7:00 pm

5433 College Ave, Oakland, CA | Get?Directions??
FREE

Diesel, A Bookstore in Oakland presents a reading with Burning Books authors Melody Sumner Carnahan, Thomas Frick and L.K. Larsen on Thursday, October 4th at 7pm. All three authors are included in The Quadrants Series, a beautifully-designed, five-novel boxed set, which will be available for purchase.

Burning Books co-founder Melody Sumner Carnahan has nine books in print and over forty short works published in national and international periodicals and anthologies. She received an MFA in Creative Writing from Mills College, working at the Center for Contemporary Music with composers Robert Ashley and Maggi Payne. Her fiction has found form for over twenty-five years as intermedia creations in which she provides stories, lyrics, and prose for recordings, installations, video, and live performance, notably the widely praised "performance novels" of Laetitia Sonami. Thomas Frick was born in Kentucky and lives in Los Angeles where he is a writer, editor, and publishing consultant. He has received awards and fellowships for his short fiction and essays, which have been widely published. L.K. Larsen has lived in New Mexico since 1973. She received an MFA in Creative Writing from Antioch University and a Recursos 2000 Discovery Award for her poetry and short works of fiction.

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Source: http://piedmont.patch.com/events/burning-books-reading-at-diesel-bookstore

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Curiosity rover takes first short spin around Mars

PASADENA, Calif. (AP) ? Curiosity took its first test drive around the gravel-strewn Martian terrain Wednesday, preparation for the ultimate road trip to find out if the red planet's environment could have supported life.

The six-wheel NASA rover did not stray far from the spot where it landed more than two weeks ago. It rolled forward about 15 feet, rotated to a right angle and reversed a short distance, leaving tracks in the ancient soil.

Mission managers were ecstatic that the maiden trek of the $2.5 billion mission was glitch-free.

"It couldn't be more important," said project manager Peter Theisinger at the NASA Jet Propulsion Laboratory. "We built a rover. So unless the rover roves, we really haven't accomplished anything ... It's a big moment."

The short spin came a day after Curiosity successfully wiggled its wheels to test its steering capabilities.

Curiosity landed in Gale Crater near the Martian equator Aug. 5 to explore whether the environment once supported microbial life. The touchdown site has been named Bradbury Landing in honor of the late "The Martian Chronicles" author Ray Bradbury, who would have turned 92 on Wednesday.

The rover's ultimate destination is Mount Sharp, a towering mountain that looms from the ancient crater floor. Signs of past water have been spotted at the base, providing a starting point to hunt for the chemical building blocks of life.

Before Curiosity journeys toward the mountain, it will take a detour to an intriguing spot 1,300 feet away where it will drill into bedrock. With the test drive out of the way, Curiosity was expected to stay at its new position for several days before making its first big drive ? a trip that will take as long as a month and a half.

Curiosity won't head to Mount Sharp until the end of the year.

Rover driver Matt Heverly said the first drive took about 16 minutes with most of the time used to take pictures. Heverly said the wheels did not sink much into the ground, which appeared firm.

"We should have smooth sailing ahead of us," he said.

After an action-packed landing that delicately lowered it to the surface with nylon cables, Curiosity has entered a slow streak. Since the car-size rover is the most sophisticated spacecraft sent to Mars, engineers have taken their time to make sure it's in tiptop shape and that its high-tech tools work before it delves into its mission.

Curiosity joins the rover Opportunity, which has been exploring craters in Mars' southern hemisphere since 2004. Opportunity's twin, Spirit, fell silent in 2010 after getting stuck in a sand trap.

Earlier this week, Curiosity exercised its robotic arm for the first time, flexing its joints and motors before engineers stowed it again. Weeks of additional tests were planned before it can drill and scoop up Martian soil.

The nuclear-powered rover has been tracking levels of dangerous radiation on the Martian surface in an effort to guide future astronaut landings. It also powered up its weather station, taking hourly readings of air and ground temperatures, pressure and wind conditions.

Over the weekend, it fired its laser at a humble rock to study what it's made of. Unsurprisingly, the zapped rock was typical of other Martian rocks, made of basalt.

During the checkups, scientists discovered a damaged wind sensor, possibly after it was hit by rocks that landed on the rover's instrument deck during landing. Deputy project scientist Ashwin Vasavada said the broken sensor will not jeopardize the mission since there's a spare.

Since nailing the daredevil landing, the rover team has been acknowledged by President Barack Obama. Gov. Jerry Brown, who declared Wednesday as "Space Day" visited the lab and donned 3-D glasses to view an animation of Curiosity's first drive on a big screen in the control room.

___

Follow Alicia Chang's Mars coverage at http://www.twitter.com/SciWriAlicia

Source: http://news.yahoo.com/curiosity-rover-takes-first-short-spin-around-mars-204431465.html

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Easy Tips for Green Living | Jeannette Myles Real Estate Blog ...

Greening up your home is not only good for the environment it is also good on your wallet. According to the National Institutes of Health, the U.S. generates about 208 million tons of municipal solid waste a year, that?s more than 4 pounds per person per day.

Here are some minor changes you can implement at home that will add up to real benefits.

Green up your appliances

Replace your old refrigerator and save as much as $150 a year. Appliances are the biggest drain on a home?s total energy bill. Replace appliances older than 10 years with energy-efficient models that bear the ?Energy Star? logo. Energy Star-qualified appliances use 10%-50% less energy and water than standard models.

Take Your Temperature

Use a programmable thermostat to keep your home?s temperature on a schedule. Program the thermostat in cold weather and keep it higher in warm weather. Set the timer to only change the temperature when you are home. During the colder months, each degree below 68?F saves 3%-5%. You may also want to consider replacing older furnaces. Today?s furnaces are about 25% more efficient than they were in the 1980s.

Use Water Wisely

Save every time you flush by installing low-flow toilets. They use only 1.6 gallons per flush, compared to 3.5 gallons per flush for pre-1994 models. Save water at your faucets by installing aerators. This could cut your annual water consumption by 50%.

Let there be Light

Using Compact Fluorescent Light bulbs (CFLs) will consume 66% less energy. CFLs may cost a little more but they last 10 times longer than a standard incandescent bulb. In dollars and cents, replacing a 100-watt incandescent bulb with a 32-watt CFL can save $30 in energy costs over the life of the bulb.

Practice Plastic Placement

Did you know Americans throw away some 100 billion polyethylene plastic bags? ? Plastics (grocery, trash and sandwich bags to name a few) are made from petroleum. Plastics are considered one of the main contributors to global warming. Always make sure to reduce, re-use and recycle your plastics.

There are many more ways to live green. If you are looking for more ideas check out National Geographic?s Green Guide.

Please share your tips for saving money, energy and living green.

Source: http://www.medfordmahomes.com/blog/easy-tips-for-green-living

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Report: Knight secures $400M rescue from investors

WASHINGTON (AP) ? Knight Capital Group reportedly has a deal to secure $400 million in financing that may enable it to avoid bankruptcy, days after a disastrous software glitch shook stock trading and jeopardized its future.

CNBC reported that the battered trading firm has an accord involving the brokerage firm TD Ameritrade Holding Corp., private-equity firms General Atlantic ? parent of trading firm Getco ? and Blackstone, and brokerage and investment bank Stifel Nicolas.

The rescue calls for the companies to purchase a $400 million convertible preferred security that gives them the right to buy Knight shares at $1.50, according to CNBC, which cited unnamed sources close to the deal.

That price is 63 percent below Knight's closing at $4.05 on Friday, and represents a significant dilution for existing investors, but it will allow the firm to open for business Monday.

The company spent the weekend in intense negotiations to put together a long-term deal to assure investors ahead of Monday's market opening.

A Knight spokeswoman said she could not confirm the deal.

CNBC said the four buyers would own 70 percent of Knight Capital Group Inc.

The Jersey City, N.J.-based trading firm takes orders from big brokers like TD Ameritrade and E-Trade. It then routes them to the exchanges where stocks are traded, like the New York Stock Exchange.

The company has been fighting for survival since Wednesday, when a problem with a newly installed piece of software wound up funneling erroneous orders for some 140 stocks to the market for the first 45 minutes of trading. That caused shares of some stocks to swing wildly.

Those 45 minutes have been devastating for Knight, which has scrambled to reassure clients and investors that it's got things under control. The head of the Securities and Exchange Commission on Friday publicly called the incident "unacceptable."

Knight was left on the hook for some $440 million to cover the mistaken trades, or nearly four times what it earned last year. That expense, it said, "severely impacted" its capital base, and the company said it might be forced to sell itself.

Knight's blunder revives a thorny debate in the financial system about the merits of high-speed trading, where lightning-fast mathematical models trade stocks in milliseconds and, as recent mistakes indicates, strain the system that is supposed to handle them.

The foul-up was the latest in a string of high-profile technical problems that have left some investors convinced they can't trust the financial markets. The biggest was the "flash crash" in May 2010, when a computer problem caused the Dow Jones industrial average to drop nearly 600 points in five minutes. The most recent was Facebook's debut on the Nasdaq stock exchange in May, when technical problems at Nasdaq kept some investors from knowing if their trades had gone through.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2012-08-05-Knight%20Capital-Trading%20Glitch/id-0a6c93c2d4f244bba2d4781289357dda

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! Heininger Automotive 2110 Advantage SportsRack glideAWAY2 ...

Posted by admin on August 5th, 2012

Heininger Automotive 2110 Advantage SportsRack glideAWAY2 Deluxe 4 Bike Rack Carrier Massive Saving, Order Now! It is truly an amazing Heininger Automotive 2110 Advantage SportsRack glideAWAY2 Deluxe 4 Bike Rack Carrier.I highly recommend Heininger Automotive 2110 Advantage SportsRack glideAWAY2 Deluxe 4 Bike Rack Carrier for anyone.I absolutly love it!

The Heininger Advantage SportsRack glideAWAY2 Deluxe 4 Bike Carrier is a rear oriented bike carrier for vehicles utilizing hitch receivers that allows full access to the rear interior of the vehicle without the necessity of removing the bikes. Designed around an accordion style folding mechanism, when need be the glideAWAY2 deluxe can extend up to 23 inches away from its locked position close to the vehicle. This makes it perfect for use with hatchbacks. It can also swivel either left or right when extended, allowing for even more space to reach cargo. The glideAWAY2 utilizes an anti-wobble device and an adapter to fit both 2 inch and 1.25 inch hitch receiver sizes. The glideAWAY2 deluxe 4 bike carrier eliminates the agony and irritation often experienced with other rear mounted carriers of having to take your bikes off every time you want access to your vehicle from the back. Designed to hold up to four bicycles with 1-2 inch top frame tubes. The ingenuous accordion style folding arm construction of the glideAWAY2 allows it to be pulled away from your vehicle with the simple lifting of the handle of its spring loaded safety latch, located behind its main upright support post. This instant 23 inch of additional space gives you easy, convenient access to the cargo area of your vehicle anytime you need it. When finished with cargo the glideAWAY2 pops easily back into a secure locked position just by pushing it back towards the hitch receiver and allowing the latch to snap back into place. The glideAWAY2 bike carrier also glides from side to side accommodating vehicles with rear side opening doors and allowing for more space around the hatch of your vehicle when you need it. The folding carrying arms simply rotate out of the way when rack is not in use. Extra-long saddles also conveniently swivel around the tubing to accept women?s, BMX, and complex geometry frames. Adapter with anti-rattle device included to fit 2 inch or 1.25 inch receiver hitch 2 year warranty Folding carrying arms simply rotate out of the way when rack is not in use Reflective bike arms hold up to 4 bikes Extra long advantage saddle straps hold bikes securely without scratching the bike?s finish

Heininger Automotive 2110 Advantage SportsRack glideAWAY2 Deluxe 4 Bike Rack CarrierDo not Miss!! The Heininger Advantage SportsRack glideAWAY2 Deluxe 4 Bike Carrier is a rear oriented bike carrier for vehicles utilizing hitch receivers that allows full access to the rear interior of the vehicle without the necessity of removing the bikes. Designed around an accordion style folding mechanism, when need be the glideAWAY2 deluxe can extend up to 23 inches away from its locked position close to the vehicle. This makes it perfect for use with hatchbacks. It can also swivel either left or right when extended, allowing for even more space to reach cargo. The glideAWAY2 utilizes an anti-wobble device and an adapter to fit both 2 inch and 1.25 inch hitch receiver sizes. The glideAWAY2 deluxe 4 bike carrier eliminates the agony and irritation often experienced with other rear mounted carriers of having to take your bikes off every time you want access to your vehicle from the back. Designed to hold up to four bicycles with 1-2 inch top frame tubes. The ingenuous accordion style folding arm construction of the glideAWAY2 allows it to be pulled away from your vehicle with the simple lifting of the handle of its spring loaded safety latch, located behind its main upright support post. This instant 23 inch of additional space gives you easy, convenient access to the cargo area of your vehicle anytime you need it. When finished with cargo the glideAWAY2 pops easily back into a secure locked position just by pushing it back towards the hitch receiver and allowing the latch to snap back into place. The glideAWAY2 bike carrier also glides from side to side accommodating vehicles with rear side opening doors and allowing for more space around the hatch of your vehicle when you need it. The folding carrying arms simply rotate out of the way when rack is not in use. Extra-long saddles also conveniently swivel around the tubing to accept women?s, BMX, and complex geometry frames. Adapter with anti-rattle device included to fit 2 inch or 1.25 inch receiver hitch 2 year warranty Folding carrying arms simply rotate out of the way when rack is not in use Reflective bike arms hold up to 4 bikes Extra long advantage saddle straps hold bikes securely without scratching the bike?s finish ? Heininger Automotive 2110 Advantage SportsRack glideAWAY2 Deluxe 4 Bike Rack Carrier

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Source: http://www.greene2000.org/heininger-automotive-2110-advantage-sportsrack-glideaway2-deluxe-4-bike-rack-carrier/

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