Wednesday, January 30, 2013

Business interruption, natural catastrophes and fire top risks for 2013

Business and supply chain interruption, natural disasters and fire and explosion have been identified by more than 500 corporate and industrial insurance experts across the Allianz Group as key risks that companies in particular regions and sectors face in 2013.

Risk

Fire has sparked new interest, moving up on the risk manager?s agenda from tenth in 2011 to third in 2012, notes Allianz Risk Barometer 2013, a survey conducted last fall by Allianz Global Corporate & Specialty (AGCS) and released yesterday. (Although there were 529 respondents from 28 countries, since multiple answers for up to industries were possible, 843 answers were delivered.)

?Its resurgence in this year?s survey shows that companies should not compromise their fire protection systems due to economic pressures,? says Thomas Varney, head of risk consulting, Americas for AGCS, which provides insurance and risk management support across the spectrum of marine, aviation and corporate business.

Varney points to AGCS loss statistics, which show that of fire caused six of the seven large industrial property losses exceeding $US13 million each in 2012. ?Fires are relatively rare, but can cause high property and business interruption claims especially in manufacturing industries,? he notes in the AGCS statement.

Read more:?Changing Canadian risk landscape leaves questions for the industry

Business interruption is also associated with natural disasters, losses from which appear on the rise. ?Insurance claims caused by natural disasters have risen 15-fold over the past 30 years,? Varney says. ?And they will continue to grow because of the increase in insured assets in Asia, in particular, and the ongoing shift towards development in high-risk coastal regions.?

Chain

Many of the world?s million-strong cities are not sufficiently equipped to cope with storms, Allianz Re meteorologist Markus Stowasser states in the survey report, Allianz Risk Pulse, Focus: Business Risks. ?What is more, as global warming progresses, there is a risk that sea levels will rise in the future. This means that in the worst-case scenario, the potential economic damage caused by a very strong hurricane in the New York metropolitan area could rise to trillions of U.S. dollars by 2050 without mitigation measures,? Stowasser predicts.

Despite how natural catastrophes can influence business operations, as recently demonstrated with Hurricane Sandy, companies appear to be poorly prepared for certain types of business interruption. These include IT failures and power outages, both of which poll results show businesses widely underestimate.

IT failures can carry high economic losses in an increasingly digitized economy, but just 6% of polled Allianz experts report their clients are truly aware of this risk. With regard to supra-regional power blackout, the AGCS statement notes that ?the impacts are much higher today than 10 to 15 years ago due to the high dependence on information and communication technologies and the lack of preparedness on the part of businesses.?

Looking forward, Michael Bruch, head of R&D risk consulting at AGCS, points out that ?reliability of power supply will decrease in the future due to aging infrastructure and the lack of substantial investments.?

Read more:?U.S. insurers may not be ready for risk management, risk solvency legislation

It is also important to consider the effect that cost-cutting efforts can have. AGCS reports that by choosing to run lean global supply chains to reduce costs, many companies lack sufficient alternative suppliers.

?The flooding disaster in Thailand showed that business interruption at a key supplier can cause a ripple effect felt across an entire industry,? Timon Mueller, head of property underwriting for AGCS, notes in the company statement.

?Due to slow growth in their home markets, American manufacturing and technology companies are forced to look for new revenue sources, for instance by sourcing in emerging markets,? Varney adds.

Fire

?The flexibility that provides a modern supply chain with its cost advantages has also created its inherent vulnerability,? Paul Carter, global head of risk consulting at AGCS, says in the survey report. ?Checking a supplier?s own business continuity planning should also be embedded in the supplier selection process and, ideally, include even the suppliers of the primary suppliers,? the report adds.

Overall, Allianz experts identify the top risks for 2013 as follows: business interruption, supply chain risk ? 45.7%; natural catastrophes ? 43.9%; fire, explosion ? 30.6%; changes in legislation and regulation ? 17.1%; intensified competition ? 16.6%; quality deficiencies, serial defects ? 13.4%; market fluctuations, 12.6%; market stagnation or decline ? 12.3%; Eurozone breakdown, ? 12.1%; and loss of reputation or brand value ? 10.4%.

A similar survey conducted in 2011 identified economic risk as the most pressing concern, followed by business interruption and natural catastrophes.??

Looking at specific regions, the most important risks for businesses in the U.S. and Canada were as follows: business interruption, supply chain risk ? 54.8%; natural catastrophes ? 53%; fire, explosion ? 31.9%; intensified competition ? 24.7%; changes in legislation and regulation ? 22.3%; market fluctuations, 12%; theft, fraud, corruption ? 12%; loss of reputation or brand value ? 12%; commodity price increases ? 8.4%; and credit availability ? 7.2%.

Source: http://www.canadianunderwriter.ca/news/business-interruption-natural-catastrophes-and-fire-top-risks-for-2013-survey/1002018740/

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Israel to transfer tax funds to Palestinians

JERUSALEM (AP) ? Israel says it is transferring tax revenues to the Palestinian Authority that were frozen last year.

A government statement on Wednesday says it is a one-off arrangement meant to ease the Palestinian Authority's economic woes. It said it is handing over last month's tax take of about $100 million.

Israel's monthly tax transfers to the Palestinians ? the result of taxes and customs duties that Israel collects on behalf of the Palestinians ? are a key element in the Palestinian government budget. The Palestinian government is struggling to pay the salaries of its tens of thousands of workers.

Israel froze the monthly payments after the U.N. endorsed a de facto Palestinian state in the West Bank, east Jerusalem and Gaza in November.

Source: http://news.yahoo.com/israel-transfer-tax-funds-palestinians-085655504.html

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These 55 Amazing Lego Riddles Will Push Your Brain to the Limit

A few of these Lego brick riddles can be easily solved. The rest? Not so much. In fact, some of them are really hard—but definitely doable. They just require a little bit of imagination. Give them a try and post your answers in the comments. We will send a nice Lego set to the first person who gets them all right. More »


Source: http://feeds.gawker.com/~r/gizmodo/full/~3/ldRs6ennOZc/these-55-lego-riddles-will-push-your-brain-to-the-limit

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Los Angeles mayoral hopefuls debate cutting budget, trimming pensions

LOS ANGELES (Reuters) - Los Angeles' five mayoral candidates sparred over its ailing economy Monday night, each claiming to be best qualified to reduce a persistent public deficit, reform the public pension system and attract business to the second-largest U.S. city.

The candidates, vying to succeed Antonio Villaraigosa, skirmished in a televised debate at the city's University of California over how best to close an expected $200 million budget shortfall.

"We're talking about bankruptcy in Los Angeles," said candidate Kevin James, a former assistant U.S. attorney and the lone Republican in the race. "That does not instill confidence ...in businesses that are looking at moving to our great city."

The candidates agreed the city must negotiate with its powerful unions to reduce the cost of pensions for city workers that threaten to further deepen its deficit.

"If we don't have a viable pension system in the city of Los Angeles, they don't have a pension later on," City Controller Wendy Greuel said.

City Council members Eric Garcetti and Jan Perry each argued that their years of leadership and experience dealing with unions made them the best suited to deal with budgetary issues.

Garcetti said he negotiated concessions from current and future union workers that have saved the city millions of dollars. "You need the next mayor to have those qualities," he said. "We can't tax and cut our way out of this."

James touted his independence, saying he wouldn't be beholden to unions during pension talks, he said.

Former technology executive Emanuel Pleitez pointed to his successes in the private sector and his experience as an economic adviser to the Obama Administration.

Garcetti and Greuel have raised the most money thus far - about $3.6 million each, according to campaign filings with the city.

A primary election will be held on March 5, with a runoff on May 21 pitting the top two finishers against one another, unless one candidate receives a majority of votes in the March primary. The new mayor will be sworn in on July 1.

This is the race city's first competitive mayoral election since Villaraigosa took office in 2005. He easily won re-election in 2009 but is now restricted from seeking another term.

(Reporting By Ronald Grover; Editing by John Stonestreet)

Source: http://news.yahoo.com/los-angeles-mayoral-hopefuls-debate-cutting-budget-trimming-083534596.html

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Tuesday, January 29, 2013

Heat Shock Proteins May Shed New Light on a Variety of Debilitating Diseases

Jan. 28, 2013 ? UCLA researchers, in a finding that runs counter to conventional wisdom, have discovered for the first time that a gene thought to express a protein in all cells that come under stress is instead expressed only in specific cell types.

The group, from the Jules Stein Eye Institute and UCLA Pulmonary and Critical Care Medicine, focused on ?B-Crystallin, a small heat shock protein. Heat shock proteins are a class of functionally-related proteins involved in the folding and unfolding of other proteins. Their expression is increased when cells are exposed to taxing environmental conditions, such as infection, inflammation, exercise, exposure to toxins and other stressors.

?B-Crystallin may be associated with certain cancers and could be developed into a biomarker to monitor for diseases such as multiple sclerosis, age-related macular degeneration, heart muscle degeneration and clouding of the eye lens. Any discoveries about how this protein is regulated and its molecular biology may reveal potential targets for novel therapies, said study first author Zhe Jing, a research associate in UCLA Pulmonary and Critical Care Medicine.

"If you use a certain cell type, this protein can be induced when the cells are stressed, but that doesn't happen in a different cell type," said Jing. "This novel finding does conflict with what has been thought, that this protein could be induced in any cell type."

The findings of this two-year study are published in the most recent issue of the journal Cell Stress and Chaperones, a peer-reviewed journal in the fields of cell stress response.

The UCLA team did the study using four cell lines -- two epithelial cells lines and two fibroblast cells lines. They found that the protein cannot be induced by stress in epithelial cells, in which 80 percent of cancers arise. It can, however, be induced in the fibroblasts that make up muscle tissue.

The significant finding in this investigation is that, in certain cell types, only one specific heat shock factor controls the expression of ?B-Crystallin. For example, in the epithelial cell lines, it is heat shock factor 4 (HSF4), while a different heat shock factor, (HSF1), plays this role in the fibroblast cells lines.

In the past, the data has indicated that a heat shock factor could control the expression of ?B-Crystallin randomly and equally. However, Jing's discovery overrides this rule. His findings strongly suggest the "preference" of the ?B-Crystallin to heat shock factors in certain cells may be correlated with its versatility to various diseases.

"Considering the multiple roles of ?B-Crystallin in so many diseases, the access of the HSF1 and HSF4 to the ?B-Crystallin gene dictated by the certain cell type may be what is helping to cause certain diseases," Jing said. "If we can uncover the cascade of events that result in disease, we may be able to come up with strategies to block or interrupt that cascade."

Going forward, Jing and the research team will validate what they found in this study by examining single cells, which provides a greater challenge but may lead to further discoveries.

The study was funded by the National Institutes of Health.

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The above story is reprinted from materials provided by University of California, Los Angeles (UCLA), Health Sciences, via Newswise.

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


Journal Reference:

  1. Zhe Jing, Rajendra K. Gangalum, Josh Z. Lee, Dennis Mock, Suraj P. Bhat. Cell-type-dependent access of HSF1 and HSF4 to ?B-crystallin promoter during heat shock. Cell Stress and Chaperones, 2012; DOI: 10.1007/s12192-012-0386-7

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

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/most_popular/~3/hjNlftasC14/130128163338.htm

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Pentax expands ruggedized series with Optio WG-3, Target-exclusive WG-10

Pentax expands ruggedized series with Optio WG3, Targetexclusive WG10

Think it might be time for a new ruggedized Pentax? It looks like the company agrees -- two new models are making their debut this week at CP+. The first is actually a rebranded WG-1, now called the WG-10, which will be available exclusively at Target stores and the website beginning in April. It's identical to the WG-1, save for the obligatory red finish and a $180 price tag. The second model is more of an original number -- it's an update to last year's WG-2. The new compact, dubbed the WG-3, maintains the unique design of the other two Optios, including a nifty LED ring around the lens for lighting macro shots.

There's a 16-megapixel, 1/2.3-inch BSI CMOS sensor, a 3-inch 460k-dot LCD, a 4x lens with an f/2 wide-angle maximum aperture, along with options for 1080/30p and 720/60p video capture. It's waterproof to 14 meters (46 feet), shockproof to 2 meters (6.5 feet) and freeze-proof to -10 degrees Celsius (14 degrees Fahrenheit). The basic version will run you $300, while a tricked-out $350 model adds GPS and Qi wireless charging, along with a secondary LCD that displays the current time, barometric pressure, a compass, altitude and underwater depth. Snag a peek in the gallery below.

Show full PR text

PENTAX Introduces 15th Generation Ruggedized Camera -the WG-3 GPS and WG-3

Performance meets photographic demands with fast F2.0 lens, in-camera shake reduction, and increased waterproof, crushproof and shockproof ratings

Denver, CO (January 29, 2013)- Leveraging its long-standing and comprehensive expertise in the waterproof category, PENTAX RICOH IMAGING AMERICAS CORPORATION (PENTAX) has introduced the 15th generation in its adventureproof line-up of point and shoot cameras, the WG-3. Boasting a diverse set of new features and improved specifications, the WG-3 is the ideal companion to capture life's planned and unplanned adventures.

The WG-3 boasts a rich feature-set that has been optimized to meet the rigorous and demanding needs of the adventurous photo enthusiast, whose travels and exploits can take them into a variety of scenarios too challenging for the traditional point-and-shoot. Its newly designed, large-aperture, 4x optical zoom lens (with the maximum aperture of F2.0 at wide-angle end), high-sensitivity, back-illuminated 16 megapixel CMOS image sensor, and sensor-shift Shake Reduction system ensure sharp, high-quality, low-noise images.

The rugged features of the WG-3 include an improved waterproof depth rating to 45 feet, while the WG-3 GPS offers enhanced GPS functionality for geo-tagging images that can be mapped back to your journey and a dedicated second display showing compass direction, elevation or depth below water. Additionally, the WG-3's category defining Digital Microscope mode and six LED lights surrounding the lens barrel enable focusing as close as one centimeter from the subject producing bright, shadow-free macro images.

For the unplanned adventure, the WG-3 offers a worry-free shooting experience with an increasingly ruggedized body that is shockproof from drops of up to 6.6 feet, coldproof to 14 degrees Fahrenheit and crushproof, withstanding up to 220 foot pounds of force. The WG-3's rugged design is enhanced by its folded optical zoom lens that reduces its vulnerability to moisture and dust while ensuring a compact and pocketable size without the protrusion of a lens barrel. Finally, the sturdy construction and sharp design, unique to the WG-3, features a texturized grip for a controlled ergonomic grasp and colorful grip accents to further enrich its rugged styling.

"The WG-3 GPS truly leverages our experience in this category," said John Carlson, Sr. Marketing Manager, PENTAX. "New features like the easy-to-read second LCD, dedicated video record button, double-locking battery door and wireless charging capabilities show PENTAX's dedication to improving our offering in this category."

To enhance creative expression during shooting PENTAX offers an optional lens adapter with wide-angle coverage to 20mm, and the SportMount Chest Harness which allows for the hands free capture of adventures and features a quick and easy mechanism to review your images and footage without having to remove the camera from its mount.

Pricing and Availability

Priced at $349.95 the new WG-3 GPS is available in a choice of purple or green. The WG-3 is available in black or orange for a price of $299.95. Both models will be available at retailers nationwide and online in March 2013. To find a retailer near you, please visit: http://www.pentaximaging.com/where-to-buy

PENTAX Announces 14th Generation Adventure Proof WG-10, Expanding Image Capturing Possibilities Beyond the Traditional Point and Shoot Camera

WG-10 offers compact pocketability with advanced features suitable for almost any environment

Denver, CO (January 29, 2013) - PENTAX RICOH IMAGING AMERICAS CORPORATION (PENTAX) has today announced the availability of the compact and highly portable WG-10 adventureproof point and shoot camera, an ideal option for the on-the-go shooter who requires a capable yet sturdy image and video capturing device. Its durable assembly and robust feature-set makes the WG-10 the ideal companion camera for life's explorers; striking the perfect balance between a point and shoot and PENTAX's category defining adventure-ready features.

Waterproof to depths of 33 feet, the WG-10 can withstand the rough-and-tumble lifestyle of an active shooter. The WG-10 bridges the gap between the common point and shoot and life's more challenging photo opportunities that might require waterproofing or the ability to function in a very cold environment; like a trip to the waterpark or an impromptu snowball fight. The WG-10 offers a 14 megapixel backlit CMOS image sensor and a state-of-the-art imaging processing engine assuring rich and detailed imagery.

"The WG-10 is a compelling offering for the active family or dynamic shooter," said John Carlson, Sr. Marketing Manager, PENTAX. "With the WG-10 you no longer need to sit on the edge of the pool at the waterpark or flinch when your six-year-old grabs the camera to take a picture. It is durable enough to withstand the elements, yet still capture vibrant images worthy of framing or sharing."

Within its compact body, the WG-10 also features a 5X optical zoom lens with coverage from 5mm to 25mm (equivalent to approx. 28mm wide angle to approx. 140mm medium telephoto in the 35mm format). This versatile zoom lens comes in handy for a wide variety of scenes and subjects, from wide-angle snapshots, to telephoto images. Additionally, the WG-10 features PENTAX's category defining LED Macro lights coupled and Digital Microscope mode enabling focusing as close as one centimeter from the subject producing shadow-free, evenly-lit images.

Pricing and Availability

The WG-10 will be available in mid-April in red for $179.95.
Additional information including product specifications is available here: www.pentaximaging.com/news

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Source: http://www.engadget.com/2013/01/29/pentax-optio-wg-3-wg-10/

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Tsujihara named CEO of Warner Bros

This undated photo provided by Warner Bros. on Monday, Jan. 28, 2013 shows Kevin Tsujihara. Tsujihara was named the next chief executive of the Warner Bros. studio, one of the largest producers of TV shows and movies in Hollywood. He'll take over from Barry Meyer on March 1. Tsujihara, 48, has been president of the studio's home entertainment division since 2005. (AP Photo/Warner Bros.)

This undated photo provided by Warner Bros. on Monday, Jan. 28, 2013 shows Kevin Tsujihara. Tsujihara was named the next chief executive of the Warner Bros. studio, one of the largest producers of TV shows and movies in Hollywood. He'll take over from Barry Meyer on March 1. Tsujihara, 48, has been president of the studio's home entertainment division since 2005. (AP Photo/Warner Bros.)

(AP) ? Kevin Tsujihara was named the next chief executive of the Warner Bros. studio, one of the oldest and the largest producers of TV shows and movies in Hollywood. He'll take over from Barry Meyer on March 1.

Tsujihara, 48, has been president of the studio's home entertainment division since 2005. He said one of his key priorities will be maintaining continuity at the studio, which traces back its corporate roots to 1923 and the founding brothers, Albert, Sam, Harry and Jack.

"We've had four management teams in 90 years," Tsujihara said in an interview. "From my perspective, the thing we absolutely have to safeguard is the culture here at Warner Bros."

That culture includes nurturing artists and doing things first, he said. In 1927, Warner Bros. released the first "talkie," ''The Jazz Singer." It has taken a lead role in introducing the DVD and later high-definition Blu-ray discs. In late 2011, it was the first studio to launch home movies in "UltraViolet," a system that gives consumers online access to their disc libraries.

"We've been very aggressive on new business models and new technologies. That's something I would continue to expect going forward," he said.

Jeff Bewkes, the chief executive of Warner Bros. parent Time Warner Inc., said in a statement Monday that Tsujihara was the right leader for the studio, combining strategic thinking with financial discipline.

"Kevin is one of the most effective and respected executives within Time Warner," Bewkes said.

Meyer will continue on as chairman of the studio through 2013.

The appointment ends a three-way race to succeed Meyer, 69, who has been chairman and CEO of the studio since 1999.

After Alan Horn left as president of Warner Bros. in April 2011, an office of the president was shared between Tsujihara, Warner Bros. Pictures President Jeff Robinov, and Warner Bros. Television President Bruce Rosenblum. It was assumed one of the three would succeed Meyer.

Rosenblum said in a statement he was disappointed: "Who wouldn't be? Warner Bros. is a unique and special place and I know it will be in good hands with Kevin at the helm."

Robinov also offered his congratulations in a statement: "We are both good friends and colleagues and I think he's an excellent choice for the job."

Tsujihara is the first Japanese American head of the studio. He briefly addressed his ethnic background, saying "Obviously, I'm proud of my heritage. I don't think that that played a role."

He graduated from Stanford and founded the Web-based tax filing company QuickTax Inc. He joined Warner Bros. in 1994, at first to manage the company's interest in theme-park operator Six Flags. He later took executive roles overseeing its new media endeavors and corporate strategy.

Since divesting its AOL and cable TV operations, Time Warner has narrowed its focus on content in recent years, making the studio a more important factor in the company's finances.

In fiscal 2011, the studio accounted for $12.6 billion in revenue, about 43 percent of the entire company's revenue, and $1.3 billion in operating profit, about 22 percent of the total.

Time Warner shares fell 31 cents to close at $50.09 on Monday in a mixed overall market. Time Warner shares have traded in a 52-week range of $33.62 to $51.29.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2013-01-28-US-Warner-Bros-CEO/id-386a3ad3b0a147e79b800b34b7fde6c7

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Early menopause may occur in women with BRCA gene

Jan. 29, 2013 ? Women with harmful mutations in the BRCA gene, which put them at higher risk of developing breast and ovarian cancer, tend to undergo menopause significantly sooner than other women, allowing them an even briefer reproductive window and possibly a higher risk of infertility, according to a study led by researchers at UC San Francisco.

Moreover, the study showed that carriers of the mutation who are heavy smokers enter menopause at an even earlier age than non-smoking women with the mutation.

While the authors note that further research is needed, given the size and demographics of the study, women with the abnormal gene mutation should consider earlier childbearing, and their doctors should encourage them to initiate fertility counseling along with other medical treatments, the scientists said.

The study will be published online in Cancer on January 29, 2013.

This is the first controlled study to explore the association between BRCA1 and BRCA 2 and the age at onset of menopause, the authors said.

"Our findings show that mutation of these genes has been linked to early menopause, which may lead to a higher incidence of infertility,'' said senior author Mitchell Rosen, MD, director of the UCSF Fertility Preservation Center and associate professor in the UCSF Department of Obstetrics, Gynecology and Reproductive Sciences. "This can add to the significant psychological implications of being a BRCA1/2 carrier, and will likely have an impact on reproductive decision-making,'' Rosen said.

Mutations in either of the genes BRCA 1 or BRCA 2 can produce a hereditary, lifetime risk of developing breast cancer and ovarian cancer. Some women decide to reduce their risk by undergoing prophylactic surgery to remove at-risk tissue, including their breasts and ovaries. The abnormal genes are the most identified inherited cause of breast cancer -- carriers are five times more likely to develop breast cancer than those without the mutations, according to the National Cancer Institute.

The new study was designed to determine whether women with the BRCA1 or BRCA2 mutation have an earlier onset of menopause compared with unaffected women.

The researchers looked at nearly 400 female carriers of mutations in the BRCA gene in northern California and compared their onset of menopause to that of 765 women in the same geographic area without the mutation. Most of the women in the study were white because almost all of the BRCA1/2 carriers within the UCSF cancer risk registry are white.

The scientists found that women with the harmful mutation experienced menopause at a significantly younger age -- 50 years -- compared to age 53 for the other midlife women.

Heavy smokers (more than 20 cigarettes a day) with the abnormal gene had an even earlier onset of menopause -- 46 years. By comparison, only seven percent of white women in northern California had undergone menopause by that age, said the authors. Smoking has been shown to alter menstrual cycles and estrogen status, among other impacts.

The authors point out that while their study shows a possible increased risk of infertility for the mutation carriers, further study is needed. They also said that data regarding the age of natural menopause is limited because most women with the mutation are recommended to undergo risk-reducing surgery after they complete childbearing.

"Women with the mutation are faced with challenges in reproductive choices,'' said study co-author Lee-may Chen, MD, a professor in the UCSF Department of Obstetrics, Gynecology and Reproductive Services. "These data may help women understand that their childbearing years may be even more limited by earlier menopause, so that they can make decisions about their reproductive choices and cancer risk-reducing surgery.''

The first author of the study is Wayne T. Lin, MD, MPH, who at the time of the research was a resident at UCSF and is now a fellow at the Brigham and Women's Hospital at Harvard Medical School. Other authors include Marcelle Cedars, MD, a UCSF professor and director of the Division of Reproductive Endocrinology in the Department of Obstetrics, Gynecology and Reproductive Services ; and Mary Beattie, MD, clinical professor in the UCSF Department of Medicine. Study data was collected from the Cancer Risk Program at UCSF and the northern California site of the Study of Women's Health Across the Nation, a project of the University of California Davis and Kaiser Permanente.

Funding for the study was provided by National Institutes of Health grants NR004061, AG012505, AG012535, AG012531, AG012539, AG012546, AG012553, AG012554, and AG012495. Support was also provided by the UCSF Cancer Risk Program Patient Registry, which is supported by the UCSF Helen Diller Family Comprehensive Cancer Center. The Study of Women's Health Across the Nation has grant support from the NIH, Department of Health and Human Services through the National Institute on Aging, the National Institute of Nursing Research, and the NIH Office of Research on Women's Health.

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The above story is reprinted from materials provided by University of California, San Francisco (UCSF), via Newswise.

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


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

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/~3/FMeGW0Mbx00/130129074429.htm

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Wild Week Of Weather Starts With Wintry Mix

By Steve Strouss

PHILADELPHIA (CBS) ? Expect a wild week of weather in the Delaware Valley. A messy mix of precipitation fell Monday morning.

Light snow, sleet and freezing rain will eventually change over to all rain this afternoon as warmer air moves in. Untreated roads and walkways are slippery, so give yourself extra time when heading out but highways are mainly wet.

Rain will taper off this evening and temperatures will climb to near 50 degrees as we head into Tuesday.

Another surge of warm air will arrive on Wednesday and the mercury will soar above 60 degrees ahead of our next storm system. Along with the mild temperatures on Wednesday, there will also be a gusty breeze with locally heavy rain and the chance for a thunderstorm as a potent cold front moves through.

Thursday and Friday will turn colder again and temperatures will fall back into the 30s by the weekend.

Additional snow showers are possible on Sunday morning with a weak clipper system.

Source: http://philadelphia.cbslocal.com/2013/01/28/wild-week-of-weather-starts-with-wintry-mix/

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Pruett ties Haywood's record as Ganassi wins Rolex

Ganassi Racing team drivers, from front left, Scott Pruett; Charlie Kimball; Memo Rojas, of Mexico; and Juan Pablo Montoya, driving the car, of Colombia, arrive in Victory Lane after winning the Grand-Am Series Rolex 24 hour auto race at Daytona International Speedway, Sunday, Jan. 27, 2013, in Daytona Beach, Fla. (AP Photo/John Raoux)

Ganassi Racing team drivers, from front left, Scott Pruett; Charlie Kimball; Memo Rojas, of Mexico; and Juan Pablo Montoya, driving the car, of Colombia, arrive in Victory Lane after winning the Grand-Am Series Rolex 24 hour auto race at Daytona International Speedway, Sunday, Jan. 27, 2013, in Daytona Beach, Fla. (AP Photo/John Raoux)

Scott Pruett drives the Ganassi Racing BMW Riley as he maintains the lead during the final hours of the Grand-Am Series Rolex 24 hour auto race at Daytona International Speedway, Sunday, Jan. 27, 2013, in Daytona Beach, Fla. (AP Photo/John Raoux)

Driver Scott Pruett walks through his pit stall after a turn driving in the Grand-Am Series Rolex 24 hour auto race at Daytona International Speedway, Sunday, Jan. 27, 2013, in Daytona Beach, Fla. (AP Photo/John Raoux)

Memo Rojas, of Mexico, in the Ganassi Racing BMW Riley (01) passes a GT series car in a horseshoe turn during the Grand-Am Series Rolex 24 hour auto race at Daytona International Speedway, Sunday, Jan. 27, 2013, in Daytona Beach, Fla. (AP Photo/John Raoux)

Scott Dixon, of New Zealand, drives the Ganassi Racing BMW Riley through the infield course during the Grand-Am Series Rolex 24 hour auto race at Daytona International Speedway, Sunday, Jan. 27, 2013, in Daytona Beach, Fla. (AP Photo/John Raoux)

(AP) ? Humbled a year ago when both its cars failed to make the podium, Chip Ganassi Racing returned to the Rolex 24 at Daytona determined to pick up another victory watch.

An eyebrow-raising lineup change that involved Juan Pablo Montoya showed just how serious the team was about winning, and it delivered Sunday with its fifth win in 10 appearances in the prestigious sports car race. The victory was the fifth for lead driver Scott Pruett, tying Hurley Haywood's record for wins in the twice-around-the-clock race at Daytona International Speedway.

The winning team of three-time defending Grand-Am drivers Pruett and Memo Rojas, along with Montoya and IndyCar driver Charlie Kimball, making his Rolex debut, beat the Max Angelelli-led VelocityWW team by almost 22 seconds for the victory.

It was Montoya who closed out the win, driving the final stint and waging a strong battle in the final hour with defending champion AJ Allmendinger. Ganassi's No. 01 BMW Riley had a clear horsepower advantage, and once Montoya got past Allmendinger, the win was his for the taking.

But the Ganassi team figured it was four laps short on fuel, and Montoya needed to build a lead of at least 40-seconds to hold off Angelelli and Allmendinger when he was forced to stop for gas. The Colombian did it by turning laps close to qualifying pace, and breezed to his third Rolex victory.

Montoya's other two wins were with Pruett on the No. 01 car in 2007 and 2008, but he spent the last three years driving for the No. 02 Ganassi "star car" and came away empty-handed each time. When the Ganassi cars were left off the Rolex podium last season for the first time since 2005, team management went to work on the cars and setting up a lineup that gave them two chances to win.

Montoya admitted he thought the switch was "a weird move," but owner Chip Ganassi and team manager Mike Hull insisted it wasn't a demotion for the driver who has been stuck in a lengthy slump in his full-time NASCAR job.

Clearly the pressure is on Montoya to perform this year, the final year of his contract with Ganassi, and he stepped up Saturday and Sunday as the No. 01 team had to balance out Kimball's inexperience. It was the first time racing in a car with a roof on it for Kimball, who has diabetes and uses his fight with the disease as his platform.

The Chevrolet team of Angelelli, defending IndyCar champion Ryan Hunter-Reay and Jordan Taylor finished second for team owner Wayne Taylor ? redemption after an engine failure 22 minutes in last year's event ended the team's day.

Defending race winner Michael Shank Racing twice came back from seven laps down to finish third in a Ford. It was a disappointing finish for team owner Shank, but a moral victory considering the hole the team clawed out of to make it to the podium.

Allmendinger, racing at Daytona for the first time since NASCAR suspended him for failing a random drug test hours before the July race here, teamed with fellow NASCAR driver Marcos Ambrose, IndyCar driver Justin Wilson and Grand-Am regulars John Pew and Ozz Negri for the finish.

Ambrose was added to last year's winning lineup after Negri broke his leg a month ago during offseason training, but Negri was able to return to the car this weekend for limited driving duties a mere six days after his cast was removed.

Audi Sport Customer Racing won the GT class in an Audi R8 with drivers Filipe Albuquergue, Oliver Jarvis, Edoardo Mortara and Dion von Moltke.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/347875155d53465d95cec892aeb06419/Article_2013-01-27-Grand-Am-Daytona-24%20Hours/id-dfa9a346dda549f78089e96cc7f428ca

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Monday, January 28, 2013

Primates, too, can move in unison

Jan. 28, 2013 ? Japanese researchers show for the first time that primates modify their body movements to be in tune with others, just like humans do. Humans unconsciously modify their movements to be in synchrony with their peers. For example, we adapt our pace to walk in step or clap in unison at the end of a concert. This phenomenon is thought to reflect bonding and facilitate human interaction. Researchers from the RIKEN Brain Science Institute report that pairs of macaque monkeys also spontaneously coordinate their movements to reach synchrony.

This research opens the door to much-needed neurophysiological studies of spontaneous synchronization in monkeys, which could shed light into human behavioral dysfunctions such as those observed in patients with autism spectrum disorders, echopraxia and echolalia -- where patients uncontrollably imitate others.

In the research, recently published in the journal Scientific Reports, the team led by Naotaka Fujii developed an experimental set-up to test whether pairs of Japanese macaque monkeys synchronize a simple push-button movement.

Before the experiment, the monkeys were trained to push a button with one hand. In a first experiment the monkeys were paired and placed facing each other and the timing of their push-button movements was recorded. The same experiment was repeated but this time each monkey was shown videos of another monkey pushing a button at varying speeds. And in a last experiment the macaques were not allowed to either see or hear their video-partner.

The results show that the monkeys modified their movements -- increased or decreased the speed of their push-button movement -- to be in synchrony with their partner, both when the partner was real and on video. The speed of the button pressing movement changed to be in harmonic or sub-harmonic synchrony with the partners' speed. However, different pairs of monkeys synchronized differently and reached different speeds, and the monkeys synchronized their movements the most when they could both see and hear their partner.

The researchers note that this behavior cannot have been learnt by the monkeys during the experiment, as previous research has shown that it is extremely difficult for monkeys to learn intentional synchronization.

They add: "The reasons why the monkeys showed behavioral synchronization are not clear. It may be a vital aspect of other socially adaptive behavior, important for survival in the wild."

The study was partly supported by Grant-in-Aid for Scientific Research on Innovative Areas 'Neural creativity for communication' (22120522 and 24120720) of MEXT, Japan.

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Story Source:

The above story is reprinted from materials provided by RIKEN.

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


Journal Reference:

  1. Yasuo Nagasaka, Zenas C. Chao, Naomi Hasegawa, Tomonori Notoya, Naotaka Fujii. Spontaneous synchronization of arm motion between Japanese macaques. Scientific Reports, 2013; 3 DOI: 10.1038/srep01151

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/top_news/top_science/~3/AMbAPs6-r80/130128081952.htm

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Design Patent Litigation: Notice Pleading Requirements Remain ...

Totetowelby Dennis Crouch

Hall v. Bed, Bath & Beyond, Inc. and Nachemin, __ F.3d __ (Fed. Cir. 2013)

This design patent?decision is interesting and important on several levels and so I have divided the post into two sections. This?section focuses on the district court's clear?error in dismissing?the infringement lawsuit on the pleadings.? The second section will focus on the Federal Circuit's dismissal of the charges?filed personally against the employees who caused the allegedly infringement.

The set-up here is interesting.? Mr. R.J.?Hall designed a new product known as a ?Towel Tote??that is basically an absorbent scarf with pockets on the ends. ?[Buy one here.] After filing his design patent application, Hall sat down with Mr. Farley Nachemin at Bed Bath & Beyond (BB&B) to see whether the company would retail his product.? Instead of moving forward with Hall, BB&B mailed?Hall's product to Pakistan and had it copied and manufactured for retail distribution back in the US.

When his patent issued, Hall sued BB&B as well as Nachemin and other executives for design patent infringement and a number of state-law business claims such as, false advertising, misappropriation, and unfair competition.? U.S. Design Patent No. D596,439.? The district court then dismissed the case on the pleadings ?? finding that the complaint did not particularly identify the ?new, original, and ornamental? features of the design patent. On appeal, the Federal Circuit rejects that decision?and instead holds that, even under Iqbal and Twombly, a pleading does not require this level of information. Rather, following the law of utility patents, the court holds here that a proper design patent infringement complaint only requires the following five elements:

  1. An allegation of ownership of the patent;
  2. The name of the defendant;
  3. The patent number;
  4. A?statement of the means by which the defendant allegedly infringes; and
  5. Relevant sections of the patent laws.

Citing Phonometrics, Inc. v. Hospitality Franchise Systems, Inc., 203 F.3d 790 (Fed. Cir. 2000).? In this case, the district court's ruling was well off-base because the design patentee need not prove the design's points of novelty even at trial since validity is presumed and infringement no longer?relies on the points-of-novelty test.

In the litigation, BB&B had filed a counterclaim alleging that that Mr. Hall himself had violated the Lanham Act by telling the company his product was ?protected by patent? even before the patent issued.? BB&B also alleged that the Hall committed false marking by continuing to mark his product ?patent pending? even several months after the patent had issued.? On appeal, the Federal Circuit holds that these statements ?cannot be viewed as even plausibly misleading.?? With regard to the the false marking claim, the court also adds that the defendant had failed to plead competitive harm, which is now a core element of false marking under the Leahy-Smith America Invents Act of 2011.

+ + + + +

Judge Newman wrote the majority opinion that was joined by Judge Linn.

Judge Lourie wrote in dissent ? basically arguing that more deference should have been given to the district court's role of ensuring that the pleadings are clear enough.? Judge Lourie acknowledged legal mistakes of the district court, but also directed attention to a separate aspect of the district court decision. The district court wrote: ?Rather than plead in a coherent fashion, making clear how the facts support a particular theory of infringement as to a given Defendant, Plaintiff has conflated all his facts, pleading without making any distinctions of any kind. This ambiguity in pleading is unacceptable.?? ?

Notes

  • As with most design patents, this one issued without substantive examination on the merits.? The application was filed in November 2008 and the first correspondence from the USPTO was a notice of allowance mailed in May 2009. The patent issued shortly thereafter.
  • Professor Tushnet has more on her site with more focus on the Lanham Act claims:?http://tushnet.blogspot.com/2013/01/do-you-know-where-your-towel-is-and.html.?

Source: http://www.patentlyo.com/patent/2013/01/design-patent-litigation-notice-pleading-requirements-remain-low.html

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Trent Williams Hurt in Nightclub Assault, To Miss Pro Bowl

Source: http://www.thehollywoodgossip.com/2013/01/trent-williams-hurt-in-nightclub-assault-to-miss-pro-bowl/

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Sunday, January 27, 2013

Nine Financial Resolutions For 2013 - Bad Credit Auto Loans

Less than a month into the New Year we offer up some tips from the Illinois CPA Society to strengthen your finances that also apply to consumers with poor credit

Sharing some useful tips

At Auto Credit Express we?ve spent the past twenty years helping car buyers with credit problems find those new car dealers that can give them their best opportunities for approved auto loans. Along the way we?ve tried to educate them on the high risk car loans process ? things we?ve learned from experience.

But we?re also not above passing on someone else?s good ideas when it comes to credit repair and managing finances, especially when they?re timely as well as particularly good. Point in fact: we came across an article by the Illinois CPA Society a few years ago and we?ve decided to share portions of it again.

Here are some excerpts from it:

Your Financial Fitness

The Illinois CPA Society recommends these nine resolutions to bolster your financial standing and keep it healthy.

1. Slim down your spending

Keep track of the amount of money you spend and take time to think about why you spend the amounts that you spend. Do you spend more when stressed, tired or hungry? Learn to avoid situations which might lead to overspending, and always think twice before buying. It?s not just how much you make but how much you spend that most influences your finances.

2. Be Honest

When estimating monthly expenses, consider typical monthly spending amounts. If you normally spend $300 on groceries, don?t write down ?$200? in your grocery category. Write down ?$300? and then aim for $200. Underestimating will get you in trouble.

3. Stick to a budget

Maintaining a budget and careful tracking of your spending are the only effective ways to keep tabs on your cash flow. Once you see where your money is going, you can make better choices on how best to spend less and save more. Resist the urge to abandon your budget, especially in the face of negative comments from friends and family.

4. Work off debt

Eliminating your debt can seem like an overwhelming task, especially if you?ve been shackled with it for some time. However, like all tasks, it starts with an action plan and small steps. First, you should outline a very specific strategy for accomplishing this goal. It needs to consist of more than ?I am going to spend less.? Second, consider using a credit counseling service or setting personal limits for your credit cards each month. Paying off your debt may end up taking more than a year or two, but having a clear action plan and asking yourself each day what you can do to reduce your dependence on credit cards will go a long way in making your 2009 finances more healthy.

5. Flex your money knowledge

Financial planning is a major step towards achieving financial security. It can help you become better prepared for whatever life throws at you. Make yourself aware of basic issues such as your net worth, when your debts need to be paid off, your retirement goals, and your capital needs to buy house/car/appliances. Get smart about your money and teach your children how to use it and save it.

6. Set Goals and Priorities

You will never hit the target if you don?t know what your goal is. Identify and prioritize your financial goals and when you would like to achieve them by. For instance, do you know when you want to buy a house and its cost, what it will cost you for your child?s education 20 years from now, or your retirement expenses 10 years from now?

7. Exercise caution and emphasize safety

Focus on creating a financial safety net; save for emergencies. Generally, you should have an emergency fund to cover six months worth of living expenses in the event you lose your job or suffer a serious illness.

8. Keep your records in shape

Keeping financial records in order can save you time, money and trouble in the event of an emergency. Have photos and videos of everything you own and keep them in a safe place. Store permanent records such as birth certificates, property deeds, insurance policies, wills, power of attorney and other important documents in a safe, fireproof location. Make sure your spouse, family and executor know where these documents are stored. Copies of these documents and other financial records should be kept in a clearly marked filing system in your home.

9. Get a Finance Coach

January is an ideal time to meet and develop a financial plan with your CPA advisor. Outline some short and long term goals together.

As we see it

It?s hard not to agree with the Illinois CPA Society that the New Year is a good time to take the following advice: step back and assess your financial situation for the coming year and resolve to make it as good as you can.

It?s also a good time for us to remind you that at Auto Credit Express we match applicants that have experienced car credit issues with new car dealers that can offer them their best opportunities for auto loan approvals.

So if you?re ready to take that next step, you can begin the process by filling out our online auto loans application.

Tags: Credit Repair, ilinois cpa society

Source: http://www.autocreditexpress.com/blog/2013/01/26/nine-financial-resolutions-for-2013/

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Ryan: Obama doesn't actually think 'we have a fiscal crisis?

Ryan (NBC)

Wisconsin Rep. Paul Ryan lashed out at President Barack Obama on Sunday, saying the commander in chief does not have a full grasp of the budget problems facing the U.S. economy.

"I don't think that the president actually thinks we have a fiscal crisis," Ryan said on NBC's "Meet The Press" in his first live interview since the 2012 presidential campaign, when he was Mitt Romney's running mate. "He's been reportedly saying to our leaders that we don't have a spending problem, we have a healthcare problem. That leads me to conclude that he just thinks we ought to have more government-run healthcare and rationing."

Ryan, the House Budget Committee chairman, told David Gregory that while Democrats may have gotten higher taxes on the wealthy as part of the New Year's deal to avoid the fiscal cliff, that's all they'll get.

"The president got his additional revenues," Ryan said. "So that's behind us."

"Are we for raising revenues? No we're not," he continued. "If you keep raising revenues, you're not going to get decent tax reform."

Ryan also offered outgoing Secretary of State Hillary Clinton a compliment while bashing Obama.

"Look, if we had a Clinton presidency, if we had Erskine Bowles, chief staff of the White House or president of the United States, I think we would have fixed this fiscal mess by now," Ryan said. "That's not the kind of presidency we're dealing with."

The former vice presidential candidate also addressed a pair politically-divisive issues: immigration reform and gun control.

"It's a system that's broken that needs fixing," Ryan said of current U.S. immigration laws. "Look, immigration's a good thing. We're here because of immigration. That's what America is. It's a melting pot. We think this is good. We need to make sure that it works."

On gun control, Ryan said he was open to universal background checks, but stopped short of embracing a ban on assault weapons. "Let's go beyond just this debate and make sure we get deeper," he said. "What's our policy on mental illness? What's going on in our culture that produces this kind of thing?"

And as far as his political aspirations for 2016 are concerned, Ryan said it's too early for him to talk about.

"I think it's just premature. I've got an important job to do," Ryan said. "I'll decide later about that."

Source: http://news.yahoo.com/blogs/ticket/paul-ryan-meet-press-obama-fiscal-crisis-170944283--election.html

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Homeschooling Intrigues Me ? Where Do I Start? ? Homeschool Blog

by Greg and Moira Bell

?

You are not alone. Nowadays, it is rare to meet an American parent who hasn?t at least heard of home schooling. Those looking at homeschooling from the outside routinely express two chief concerns ? 1) ?How can homeschooling parents tolerate being with their kids 24 hours a day?? and 2) ?What about socialization??

Allow me to move these two mental boulders out of the way, then you?ll be better able to see more of the treasures which lie ahead down the homeschool path.

?

AT HOME WITH MY KIDS ALL DAY ?!!

?I struggle just to get my kids to do their chores and they constantly snipe at each other ? I wouldn?t have the patience to be with them all day!?? Sound familiar? Many prospective homeschoolers, who have had their children in daycare or institutional school, start with similar concerns. Let me tell you some good news. Much of the surliness kids exhibit toward parents and siblings is an outcome of spending large chunks of time everyday on the receiving end of the verbal and emotional abuse of other children while in an institutional setting. It is an outcome of being forever compared and measured against other children. Who?s smarter? prettier? skinnier? more popular? more athletic? As these children become homeschoolers they typically go through a 3-6 month period of detoxification where their harshness and defensiveness gradually melts away. This is one of the best kept secrets of homeschooling ? when your kids realize they have innate value and uniqueness and that you are committed to seeing them successfully outfitted for their personal special place in the world ? their hearts get bonded to yours! This process can take longer depending on the length of time kids have been in institutional schooling, but it will come when you replace criticism, comparing, and competing (mainstays of institutional schooling) with encouragement, customized learning, and the goal of mastering what?s important. You will also find many ways to be away from home by yourselves or with other families enjoying cultural opportunities, nature, exercise, field trips, etc.

?

SOCIALIZATION

So what?s the real question behind ?What about socialization?? Are we laboring under the notion that kids need lots of time with their age mates to develop important social skills? What do well-socialized kids look like anyway? Are they the teens you see hanging around the mall? The kids who are taking weapons to school and using them? The kids who discuss last night?s sitcoms each day with friends as though those actors and situations are real? Those subdued with drugs to make them manageable? Those that pressure each other to look, act, speak, and believe just like the rest of the adolescent herd? When we?re willing to face the facts, it?s fairly obvious that a well-socialized person is one who respects and learns from those older and wiser than himself, and who cares tenderly for those younger, weaker and needier. He is someone who understands his own strengths and contributes in his unique way along the human continuum.

I?ve often been told by homeschool skeptics that children need to be with a room full of age mates all day to learn to ?face reality? and toughen up. My observation is that a room of age-same students immediately contrive to define themselves by their differences. (?I have nicer clothes than she?, ?He has more friends than I do?, ?I?ll never be as good at math as she is?, etc.) This isn?t a criticism of kids ? it?s just something I?ve observed over and over. Homeschoolers operate within an age-blended environment which more accurately reflects the ?real world? where people of all ages and skills are mixed together. The beauty here is that the differences are real ? different ages, different skill levels, different strengths, different likes, different privileges. Everyone?s place is defined, respected, and non-competitive. I believe ?reality? is an age-blended environment where people are free to learn and better themselves at their own pace in an atmosphere of mutual respect. (a.k.a. ?homeschooling?)

?

SO WHAT IS HOMESCHOOLING REALLY?

In a nutshell, homeschooling is the process whereby responsible parents, through a motivation of love, train, equip, and launch their own children as responsible, literate, and skillful on-going adult learners. It differs from traditional public/private schooling in that parents act as the direct overseers of the child?s learning process. It results in family glue rather than family fracture. It fosters maturity anchored in real life experiences from a much younger age, and it can be fully customized to the learning style and specific destiny of each child. It fosters genuine social graces through interaction with people of all ages. It is bursting with real-life problem solving opportunities, which are their own best tutorial.

You?ll no doubt start homeschooling thinking about ?academics? and ?subjects?, but as you progress in it, you?ll discover that the essence of successful homeschooling is less in the ?schooling? aspect and far more in the concept of ?home?. You come to experience the reality that families are the building blocks of human life. And healthy families are the seed beds where balanced, loving, capable humans are grown. You tend those little seeds, supply ample water, fertilizer and sunlight, control the weeds and get a healthy root system in place which will enable those little sprouts to one day become mighty, healthy, fruit-bearing trees. You see that each child is constituted differently right from the beginning and their style of ?leaf?, nurture and feeding needs, and long-term purpose are unique.

?

IT?S NOT JUST FOR THE KIDS

As you recognize and work with your own special ?plants? you wind up filling your own ?educational holes? (for many of us, those are the legacy of our own institutional education). Many homeschooling parents report that they are finally ?learning? (appreciating, absorbing, retaining) all the academic content which they missed during their own school years as they go through the material with their own kids. Some have termed homeschooling ?The education of two generations?. With the high caliber of materials available to home educators, a parent whose own education was weak need not fear.

As homeschooling parents, we are also realizing that our children know and like each other and us as their parents much more than we did our siblings/parents growing up. This is largely because our kids are together, sharing many more joint memories and learning from one another rather than growing up with groups of peers in separate classes in what our kids call ?away school.?

?

CRITICISM YOU MAY FACE

Be prepared for the unleashing of adult peer pressure if you decide to pursue homeschooling. This is a hot issue and one that causes people to react defensively about their own school choices, no matter how gracious you may be. Try not to be shocked when you?re hit with unsolicited judgment. It?s wise not to announce a decision to homeschool until you?ve readied yourself, done the research you need to get your feet planted in the idea and been a quiet observer for awhile. Certainly not everything that flies under the banner of homeschooling with pertain to your family or interest you, so you will be, to varying degrees, charting your own course. What other people think homeschooling is may be quite unlike your experience. Many a homeschool critic (particularly skeptical grandparents) have been silenced within 2-3 years when they see the joyful, communicative, lively learners you are producing ? hang in there!

?

MORE GOOD NEWS

If you?ve had children in school and are bringing them home, there will be a need to redistribute the household workload. Give yourself a grace period of 6 months to a year to get through ?detox?, begin bonding with each other, and take shared ownership of the needs around the house. Another unsung secret of homeschooling is this: When your kids have you all day everyday and sense that your heart is turned toward them they will need you less! Don?t envision yourself chained to your kitchen table teaching math facts ?til you?re blue in the face. Once you?ve established new family routines and dynamics, why not look into a home-based business, take a college class, or pick up with your latent creative talent? Demonstrating that such learning is a normative on-going practice for a healthy adult is one of the best gifts you can give your kids.

?

BEGINNING STEPS

So you want to go for it. Where do you really start? Observe, research, and read, then read some more. Or if reading is not your strength, select some tapes on homeschooling and listen to those. Ask those you know who homeschool for their favorite books/tapes on the subject. See those in the resource list below. Although you?ll be tempted to want books on ?How-to? homeschool, you?ll be much better off if you initially focus on ?Why to homeschool?. Lay a broad philosophical foundation and lengthen your homeschool vision ? both of these will greatly influence your long-term success.

Consider attending a homeschool conference in your area. While these can be overwhelming, they also unveil the vast and rich network of ideas and resources available to you as a homeschooler. You?ll be impressed by the caliber of families and children you meet. Visit the vendor hall and collect homeschooling catalogs. Attend a support group meeting or park day. Inquire about your state?s homeschooling requirements (see resources below).

It is common, at this point, to feel vulnerable and tempted to over buy because ?it all looks so good!? We suggest, if you can, hang around with homeschooling families who have a home life you respect and have produced children who are well-rounded in the ways you?d like yours to be. Homeschooling is not a simple linear process. (Take A, add B and you?re guaranteed to get C). Rather, there are multiple dynamics at work in healthy homes and wisdom in these matters often soaks into us with time and exposure.

Study your child. This is so important if you want to have a satisfying and successful homeschool adventure. Look at this child?s strengths, special interests, free-time activities of choice, and apparent weaknesses. We highly recommend working through Discovering Your Child?s Learning Style by Willis and Kindle Hodson. Homeschooling affords you the liberty of customizing your child?s learning experience. Knowing how your child takes information in and what motivates him/her will save you much wasted time, energy and money.

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HOMESCHOOLING APPROACHES FROM WHICH TO CHOOSE

You?ll encounter a few major approaches to homeschooling in the literature and marketplace. Research more on the ones that resonate with your vision for your family?s learning environment. It is not uncommon for new homeschoolers to buy a prepackaged curriculum from a major supplier in order to feel that they are covering all the bases. With time, experience, and greater confidence you may want to harvest what works for your unique family from all these approaches ? this is referred to as the ?Eclectic Approach?. Here is a list of popular homeschool approaches and philosophies. A resource list follows this article.

Delayed Academics ? based largely on the publications of lifelong educators Drs. Raymond and Dorothy Moore, this approach encourages cultivating a heart to worship, work, and serve others before moving into formal academics. The Moores advocate waiting until a child?s physical, mental and emotional readiness to learn are evident (often not until ages 9-12). Moore cites research that 9-year-olds can assimilate, in just 100 hours of instruction, all the material other children have had to spend 4 years of their lives learning through drone seat work. They emphasize learning through a broad spectrum of life experiences. This approach often explains a lot to parents whose son or daughter just can?t sit still at a desk in the early elementary grades.

Charlotte Mason Method ? Emphasizing ?Living Books? (rich, first-person literature of all genres) and real-life experiences. This approach encourages abundant opportunity to observe and interact with original sources in art, music, literature, and the natural world. Typically children learn to document their discoveries through journaling and drawing. Parents usually read-aloud from great books with the overarching goal that their children will love to learn.

Classical or Trivium Approach. This view emphasizes excellent thinking and communication skills honed by the intake of fundamental factual knowledge (referred to as the ?grammar of a subject); the understanding of the reasoning and relationships behind knowledge (known as the ?logic? of that subject); and the ability to organize and assimilate this understanding so as to generate new discoveries and convey this knowledge persuasively to others (called the ?rhetoric?).

Principle Approach ? Using the four ?R?s? of research, reason, relate, and record this approach is popular among certain Christian homeschoolers who believe America was founded as a Christian nation with a Christian form of government. In order to return America to these first moorings, Principle approach adherents seek to raise young people who are well-grounded in Biblical principles and can thus govern themselves and participate in representative government wisely.

Unit-study Approach ? This method takes one topic at a time and uses it as a launch pad to integrate the related knowledge from all disciplines. Rather than studying fragmented ?subjects? (math, grammar, history, etc.) unit studiers discover inter-related knowledge in a growing web around one central hub. (For example ? using baseball as the topic they would study the history of the sport, it?s key figures, the math of baseball stats, the physics of pitching, etc. ? all as part of an integrated whole) Workbooks/Textbooks/School in a Box ? Innumerable publishers furnish complete curricula using textbooks, workbooks, interactive CDs or on-line learning. Many of these look and feel more like ?school? as most of us remember it. When children first leave an institutional school setting these programs often are a good first transitional step because they mimic school to your children and comfort new homeschooling parents that ?learning? is taking place.

Unschooling ? Probably one of the least understood terms within homeschooling, unschooling differentiates ?teaching? from ?learning? and believes that children are born curious and eager to learn. The role of parents is to deeply nurture their children, provide a wonderfully learning-rich environment and let the child?s innate desire to understand and manipulate their world lead them to discover and skillfully use all they need to have productive happy lives. Critics imagine these families just let their kids run amok. More thoughtful observers recognize that unschoolers are trying to tend the internal spark and love of learning which many of us had snuffed out by years of compulsory schooling in things which held no meaning or value to us.

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A WORD ABOUT MOTIVATION

Reasons to homeschool range the full gamut ? from things to get away from (excessive peer pressure, violence, weak academics) to things to be gained (family unity, freedom, the meeting of special learning needs). We?ve found it helpful to sort through our motives, define them, and watch them evolve as our homeschool does.

We began homeschooling primarily because we were so impressed by the kids in homeschooling families we knew and felt it was a parent?s job to educate their children, not the government?s. When people ask us now why we homeschool (after being on this course for 12 years) we can honestly say we love being with our kids and wouldn?t want to miss a day of their joyful lives. We say that we could never ask even the best classroom teacher to invest in our children the way we can because our kids are precious to us and we would lay our lives down to see them succeed. We tell people that having our kids with us has helped us to grow up, learn to communicate better, and become better people. Obviously, we didn?t know at the outset that our motivations would undergo such a transformation.

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TAKE THE PLUNGE

Once you?ve researched, read, and decided that homeschooling is right for your family, take the plunge.

  • Begin with a minimum of purchases or buy a pre-packaged curriculum. Try to include some materials for a particular interest of your child?s, not strictly ?school? books.
  • Plan to ease your family into new routines. The decision to homeschool won?t magically transform your family overnight but it will in time soften and reshape your family in healthy ways.
  • Allow for a season of detox. It may rock your child?s world to find out that school is no longer about getting grades and passing classes, but rather about mastering important skills and learning to love the process.
  • Find and hook up with a support group you enjoy. These vary from moms networking nights, to field trip generators, to park days for fun, to couples meetings ? find one that satisfies your needs.
  • Figure out what refuels your own engines and schedule it! Stephen Covey says the key is not to prioritize your schedule, but to schedule your priorities. Taking good care of yourself in your newly-expanded role as a homeschooling parent is, without question, a top priority. You may need a regular Moms night out, time at home alone, a creative outlet, a daily afternoon nap ? whatever keeps you on an even keel ? make it a priority and do it!
  • Steadily improve the learning value in your home ? Great read-aloud books, reference resources, educational toys, art supplies, science supplies, healthy food, regular exercise, minimized clutter, a place for everything and everything in its place ? you get the idea. When you are home 24 hours a day, home needs to be as calm, pleasant, usefully organized, and resource-filled as possible.
  • Relax ? No matter where you start or how faltering your first steps may feel, your kids will not be ruined by your loving investment in homeschooling them. You will find yourself changing, perhaps even more than your children, as you learn to truly know each of them, respect their uniqueness, and be committed to their long-term success. As humans, we find it easy to follow those whom we perceive love us deeply. Let love be the foundation, the power, and the aroma in the air of your homeschooling adventure.

Greg and Moira homeschooled all seven of their now-grown children and are thriving in Virginia.

Source: http://www.homeschoolnewslink.com/blog/?p=1701

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Saturday, January 26, 2013

Telenor wants 50 percent cut in Mumbai licence fee

OSLO (Reuters) - Norway's Telenor is unlikely to bid in an auction for mobile licenses in Mumbai unless India halves the fee, its Chief Executive Jon Fredrik Baksaas said on Friday.

"It is nearly impossible to participate in the Mumbai auction at the current price level," the CEO of India's sixth largest telecoms operator said.

India is looking to reduce some prices for a new auction to be held by March after an overpriced sale in November failed, having attracted no bids for four areas, including New Delhi and Mumbai.

Telenor, which aims to have 55 million customers in India by 2016, has asked authorities to cut the licence fee by 50 percent, more than the 30 percent cut proposed by a panel of Indian ministers, Baksaas told Reuters after meeting with Indian officials in Davos.

"We expect the upcoming auction to be sub-optimal if the current price level is maintained - it will be comparable to the November auction, with limited participation," Baksaas said after the meeting which also included India's Union Commerce and Industry Minister Anand Sharma.

India is auctioning licenses after a court ordered the government to cancel 122 licenses granted in a corruption-tainted auction.

Telenor responded by downsizing its operations to six areas of the country from an initial 13, saying it would rather leave certain markets than overpay.

Telenor is now maintaining its Mumbai operations but made it clear it is ready to shut down as it is not willing to lift its self-imposed funding cap of 155 billion rupees ($2.89 billion)for its loss-making Indian operations.

"If the funding cap stays, they must get both the reduction plus a 2 billion rupee refund on their original license," Espen Torgersen, an equity analyst at brokerage Carnegie said.

"It is encouraging that Telenor is actively working to influence the government," "There is little political prestige in trying to sell licenses again and not getting offers."

($1 = 53.6950 Indian rupees)

(Reporting by Joachim Dagenborg; Editing by Elaine Hardcastle)

Source: http://news.yahoo.com/telenor-wants-50-percent-cut-mumbai-licence-fee-102647341.html

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