ShowBed.com ? Blog Archive ? Leg squats Might Help Create ...

Fitness has changed into a preferred element of every day lifestyle for many people. For other individuals, they do not know how you can include health and fitness to their day-to-day lives. No matter what your situation could be, the subsequent write-up is going to provide you with specifics of fitness that can play a role in a wholesome lifestyle.

Use exercise to help you quit smoking. This is valuable in two techniques ? you can expect to instantly come to be more healthy when you stop smoking, and your exercising overall performance will boost. Any time you hunger for a tobacco cigarette, take an operate, drive your bike or try out weight lifting. When you are unable to giving up smoking cool turkey, then consider to reduce little by little. You will observe an improvement in the span of time you can actually workout and that may give you the motivator to quit cigarette smoking entirely.

Choose the right health and fitness team. Think about many variables before you sign up to get a team registration. Don?t just go to the local area. Ensure that the club supplies the professional services, exercising varieties and training you require. Select the area using the broadest providers available as you never know what you may need later.

To learn to successfully capture a soccer, try out concentrating on its tip. When you endeavor to focus on the golf ball, it is going to appear fuzzy, but when you observe the tip, you are able to evidently see the location where the golf ball goes and strive to capture it. You will be also obstructing out inbound defenders by focusing on this individual spot.

Creating normal build up and withdraws for an versions person bank checking account can produce a beneficial impression for one and in addition boost an men and women credit ranking. Creating these regular deposit and withdraws can assist much more if an individual is not going to overdraw their checking account. Retaining every little thing handled with types bank account can fix credit.

Ensure strength training is a component of the physical fitness regimen. Even when getting big muscle tissue isn?t an integral part of your desired goals, weight training fortifies muscle mass helping create bone tissue to stop weak bones. Additionally, it may assist reduce your blood pressure level. You don?t need to have heavy weight loads to discover outcomes. You may create modern opposition with amount of resistance rings.

When training, tend not to waste materials your time and efforts performing lots of crunches. If you discover yourself performing greater than 3 groups of 15 crunches a workout period, you will be wasting your time. Studies have discovered that undertaking more than that is totally ineffective. You might be simply spending important electricity which can be sent to training an alternative component of the body.

To alleviate ache from joint inflammation, do finger exercise routines. Finger exercise routines function the tiny muscle groups in your fingers and fingers to relieve stiffness and ache. Although it might appear absurd, undertaking finger workout routines is an integral part associated with a physical fitness work out prepare should you be an older or youthful particular person with arthritis.

As was stated at the beginning on this article, fitness is actually a key a part of some people?s life whilst for some individuals, they can be just not certain the best way to suit it inside their day-to-day lives. Keep your suggestions from the previously mentioned report under consideration when preparing or sticking to your fitness plan.

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Butler completes long journey to Hall of Fame

PITTSBURGH (AP) ? Jack Butler had it all planned out.

Really, what was there to figure out?

Guys that play football at St. Bonaventure don't get phone calls from NFL teams, not now and certainly not in 1951, when Butler graduated following a standout career at wide receiver.

So Butler headed home to Pittsburgh for the summer and got a job as an electrician to give him something to do before he returned to upstate New York and started on his master's degree in the fall.

Then the phone rang. And everything changed.

When Pittsburgh Steelers business manager Fran Fogarty called and asked the 6-foot-1, 200-pound Butler to come to the team's offices downtown, Butler figured Fogarty had the wrong number.

"I didn't know who he was," Butler said. "I didn't know anything about professional football."

Learning was hardly a problem. Fogarty and the Steelers were happy to teach him, signing Butler to a $4,000 contract and converting him to defensive back.

There wasn't much to it. Butler used his experience as a wide receiver to become one of the best defensive backs of the 1950s in a career cut short by a devastating knee injury that remains painful to this day.

In his own way, Butler served as a precursor to the Steel Curtain that would follow two decades later. Tough. Gritty. Smart.

And now, like so many of the members of perhaps the greatest defense in NFL history, a Hall of Famer.

The 84-year-old Butler will be enshrined in Canton, Ohio, next weekend after being selected by the senior committee for an honor he still can't quite grasp.

"When he found out we were at the Super Bowl," said John Butler, the oldest of Butler's four sons. "He kept saying, 'Is this for real? I'm really in? Is there another vote?' No, that's it Dad, you're in."

Then again, John Butler was hardly surprised by his father's low-key reaction.

This is the same man who would let his sons play tackle football out back in their dad's game-worn jersey. Who didn't bat an eye when the kids would take signed game balls ? including the one from Butler's record-tying four-interception game against the Washington Redskins in 1953 ? and have a catch in the street.

"He would never talk about it," John Butler said. "We'd be out in our neighborhood and guys would look over and yell 'Hey Jack, how you doing?' And we'd ask him how these people knew him and he'd say 'Maybe they thought I was somebody else.' He never mentioned the Steelers."

It wasn't until John Butler grew older that he realized the kind of company his father kept. Butler's 52 career interceptions are still 26th on the career list and second in Steelers' history. He was selected to four Pro Bowls and was a first-team All-Pro selection three times.

All of this in just nine seasons. Butler's career ended in 1959 during a collision with Philadelphia Eagles tight end Pete Retzlaff.

The details of the play remain vivid more than 50 years later.

"He caught the ball and I was coming over to hit him, to tackle him and before I got to him, he tripped or caught his foot or something," Butler said. "As he was going down, his shoulder hit my (left) knee."

Butler knew the second he looked down at the smashed joint ? which appeared to be at a 90-degree angle with the rest of his leg ? he needed to think about what he was going to do with the rest of his life.

"It was just sticking out," Butler said. "I knew I was in a lot of trouble."

There was no such thing as arthroscopic knee surgery back then and given the severity of the injury, Butler's not sure he could have recovered if the injury happened today.

He's endured 10 operations over the years to address various issues with the knee and struggles at times to get around, though that didn't stop him from visiting the Steelers' facility during minicamp to meet with players who could one day follow him to the Hall, including James Harrison and safety Troy Polamalu.

Though the game now is very different than the one Butler played ? starting with the money, he never made more than $12,500 in a season and held a part-time job in the offseason to make ends meet ? he thinks he could be effective in today's NFL. Well, he could be effective if the rules let him play the position the way he did 60 years ago.

"You could bump' em and push' em and do things," Butler said. "You could grab onto his jersey so he doesn't get far from you. You could hold on a little bit. Now they're all over you. It's hard to do anything today."

There was no specific method to Butler's success. He was smart, sure. And he could tell by a receiver's footwork where he was heading. Yet Butler says most of the credit should go to a work ethic and a little bit of naivety.

He didn't know what he was doing during that first training camp. It let the Steelers mold him without forcing him to drop any bad habits.

"I must've been given some talents," he said. "I know I worked like hell at it. Whatever talents I had, I worked like hell to improve what I had."

A little confidence helped. Butler had no problem trading a little trash talk with Baltimore Colts quarterback John Unitas, though Butler rarely got the upper hand.

"I'd walk up to him and say 'Hey John, I'm going to pick three passes today,'" Butler said with a laugh. "I think I got one. But it was the only one."

Consider Unitas lucky. Butler averaged more than five interceptions a season in an era when 15 passes a game, not 50, was the norm.

Butler, however, never considered himself a Hall of Fame candidate. He never spoke about it and it wasn't until John Butler started doing some research that he realized just where his father stacked up with the game's greats.

"I showed him his numbers and I said, 'Dad, you're right in the pocket,'" John Butler said. "He never even knew."

Now, the football world will know. Still going strong (knee issues aside) in his mid-80s, the man who went on to have a lengthy post-playing career as a scout will join the game's greatest with all eight of his children and his wife of 57 years, Bernadette, in tow.

"I don't think it will really sink in until I get down there and take in the atmosphere," Butler said. "Then it will probably hit me. Right now, I don't know. I just know it sounds pretty good."

Source: http://news.yahoo.com/butler-completes-long-journey-hall-fame-073640174--nfl.html

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Missy Franklin's mom: 'She's always been smiling'

??Missy Franklin caught the nation's attention for a smile as bright as the Olympic gold medal she won for the 100-meter backstroke Monday ? and an attitude as if she's never had a down day in her life.

Source: http://www.msnbc.msn.com/id/46952788/vp/48394063#48394063

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Preparing food ghds The Same Every Single Day? Attempt These ...

Many people would like to learn the way to cook scrumptious dishes, but doing this may be ghds rather a hardship on new beginners. Considering that food preparation capabilities derive from practical experience, the better you process the more effective you will get. On this page in this post are a handful of methods for beginners which can help you will get began and prevent popular mistakes.

With regards to preparing food a good behavior to perform after planning garlic clove is to massage both your hands in the steel kitchen sink extensively for about half a minute. This can remove the undesired odor out of your fingers. Cleaning them lower than half a minute will not get all of the smell apart.

When you have actually questioned the freshness of the chicken eggs you purchased and also you don?t know if the eggs within your fridge continue to be useable or otherwise, you may bust them individually in to a glass to ascertain if they are great or otherwise. If you need to examination ghds numerous chicken eggs, put them in a pan of cool, salted normal water. Use the ones hovering on the top and throw away those that drain to the foot of the pan.

Looking for an good way to make an ideal poached ovum. Whilst preparing food the eggs, incorporating lemon juice or vinegar, to the normal water you are making use of for poaching the chicken eggs will cease them from dispersing out. Protein will coagulate when an acid solution is used this helps be sure that your have that excellent poached egg every time.

If you need a delightful food with tiny energy, try a roast evening meal. Just cut up some veggies: carrots, potatoes, onions, and peppers all work effectively. Include some meat with a little oils and seasoning. Roast at 400 levels for around an hour, or till the meats ghds is carefully prepared. That?s simpler than you imagined!

Cheeses is among the finest stuff that you could increase pastas and different types of meats. Should you be generating pasta, make sure you buy grated dairy products and put it around the kitchen table for individuals to include in their dish. This may increase the good quality and structure of your dish.

You must not boil pasta in drinking water which has gas inside. When you put oil on the water that you are currently cooking your pasta inside it keeps the marinade from sticking with the noodles. By leaving behind the oils out you are able to toss your noodles in the marinade and will also stick cheap ghd straghteners with it.

When you are likely to the store, tend not to always have a huge list which may restrain anyone to just receiving particular goods. See what you like and what you are actually inside the frame of mind for and purchase based upon that. This will give you the spontaneity to prepare whatever you decide.

Being a fantastic prepare is no straightforward job. It will take lots of time and energy, along with occasionally building a mess. However these tips can provide you with useful suggest that others learn via agonizing cheap ghd straghteners mistakes. In the event you try this advice, making healthful, tasty meals will probably be quick and simple.

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Source: http://artyapt.com/blog/preparing-food-ghds-the-same-every-single-day-attempt-these-fantastic-concepts/

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Picking The Right Time To Set About Residence Renovations ?

Redecorating is often the kind of undertaking that may modify the composition of your property. It might include landscaping and exterior constructions as well. This article is loaded with wonderful home remodeling suggestions that can abandon your own home looking remarkable and stay a lot more efficient that you can reside in.

When incorporating a brand new coat of paint to white colored ceilings, use a pink ceiling paint to actually don?t miss out on any locations. These especially colored paints roll on pink but dried up white colored, making it easier to share with in case you have fully taken care of the existing roof and getting rid of that irritating patchy appearance.

There are several tax credits available like a house owner for economical enhancements. Do some research, find what they can be and do it now. You simply will not basically be increasing value of your house but you will additionally be preserving oneself on needless tax accountability.

What follows is a fantastic home improvement idea! Ensure that your whole system (furnace, heating pump, air conditioner) is energy-efficient. Leaky channels can reduce the overall energy productivity of the heating and cooling method as much as twenty percent. Duct closing increases efficiency and reduces your electricity bills.

Try modernizing your washrooms since, like the kitchen, this area is extremely important, as well. It can easily be improved without having a ton of money. Try easy things like a brand new potty seating or perhaps a fancier kitchen sink. They may completely change the appear and feel from the bathroom. Also, try replacing your tile flooring, wall space, and re-grouting your shower area and tub.

When it comes to redesigning your house to create earnings property, think of the amount of the house you actually need. For example, for those who have a 3 tale residence, think about booking out not only the basement. Should you rent out the 1st surface as well you are able to increase your income and be worthwhile your mortgage even quicker.

Before you begin your next home remodeling venture, make time to measure the current state of your residence. Strolling through the property and finding out what projects are needs can help you plan your time and enable you to become more efficient with your operate. Any assignments that aren?t instantly required might be stored for the later on particular date.

Unless you already have one particular, put in a 2nd toilet to your property. The primary reason for this particular is indeed your household lacks to battle over one particular bathroom. One more reason for incorporating another washroom is perfect for resale importance. Possessing two bath rooms will make a property more desirable for potential buyers.

When artwork an area you should make sure to have appropriate venting. If your space is not really transferring the environment appropriately it can result in issues breathing. You ought to keep a windowpane open up when you are artwork an area to enable you to make sure that the atmosphere is moving.

For those who have made a decision to re-do your hardwood flooring, then think about them such as you would re-do fingernails. You wish to explode the existing finish off, use a foundation layer, spot, and after that use the top coat, When you favor the look of natural wood shade, then you can by pass the yellowing stage. With some work, your flooring surfaces will likely be beautiful.

If you have appointed a third party service to help you a property improvement undertaking ? always check out the concluded function carefully ? before making payment on the last installment for your professional services. By conducting this examination, there is a much better probability of receiving discrepancies and deficiencies inside the contracted function remedied. Once you have paid for entirely, it is actually much harder to have these problems dealt with!

Mentioned previously just before, folks try home remodeling every single day. While some do well, other give up or crash. The proper information can certainly make any redesigning career possible. If you keep in mind information from your write-up previously mentioned, you may be more successful in your home enhancement efforts and much less likely to crash or quit.

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PlayUp review - get social with the Olympics

PlayUp's sporting social network has recently updated with lots of content specific to the Olympics, and with the games just getting started, it seemed like a good time for a review. If you're looking for more, be sure to check out our round-up of Olympics Android apps, and expect another one soon. 

PlayUp curates a wide range of sports content from a bunch of different sources, including Twitter, USA Today, NBC,  ESPN, Reuters, and others. There's even some decent video content that seems to come direct from PlayUp. For the Olympics, users can drill down into individual categories, check schedules and results, as well as create hangouts, where you can publicly or privately banter with other PlayUp users about events as they happen. Users can add friends through Facebook and Twitter connections to send them direct messages and see their activity on the network. Users can also add sports to favorites for quick access later on. 

read more

Source: http://feedproxy.google.com/~r/androidcentral/~3/X9k5wNX5W3U/story01.htm

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Criminals abuse New Zealand's liberal company laws

FILE - In this Dec. 13, 2009 file photo, unidentified crew members of a Russian-made cargo plane detained in Bangkok for allegedly smuggling North Korean weapons to Iran are led by a Thai police officer to an interrogation room in Bangkok, Thailand. Taking advantage of liberal company laws in New Zealand, a New Zealand shell company, SP Trading, leased the airplane that was seized in Bangkok while carrying 35 tons of rocket-propelled grenades, surface-to-air missiles and other weaponry. The plane had picked up the cargo in North Korea and was headed for Iran. The crew, four Kazahks and a Belarusian, were incarcerated and charged with possessing weapons. (AP Photo/Apichart Weerawong, File)

FILE - In this Dec. 13, 2009 file photo, unidentified crew members of a Russian-made cargo plane detained in Bangkok for allegedly smuggling North Korean weapons to Iran are led by a Thai police officer to an interrogation room in Bangkok, Thailand. Taking advantage of liberal company laws in New Zealand, a New Zealand shell company, SP Trading, leased the airplane that was seized in Bangkok while carrying 35 tons of rocket-propelled grenades, surface-to-air missiles and other weaponry. The plane had picked up the cargo in North Korea and was headed for Iran. The crew, four Kazahks and a Belarusian, were incarcerated and charged with possessing weapons. (AP Photo/Apichart Weerawong, File)

FILE - In this Dec. 12, 2009 file photo, Thai police officers and soldiers surround Il-76 cargo plane from Kazakhstan to make a search at Don Muang airport in Bangkok, Thailand. Taking advantage of liberal company laws in New Zealand, a New Zealand shell company, SP Trading, leased the airplane that was seized in Bangkok while carrying 35 tons of rocket-propelled grenades, surface-to-air missiles and other weaponry. The plane had picked up the cargo in North Korea and was headed for Iran. The crew, four Kazahks and a Belarusian, were incarcerated and charged with possessing weapons. (AP Photo/File) THAILAND OUT

FILE - In this Dec. 12, 2009 file photo, Thai police officers and soldiers remove boxes of war weaponry from a suspected foreign-registered cargo plane onto trucks at Don Muang airport in Bangkok, Thailand. Taking advantage of liberal company laws in New Zealand, a New Zealand shell company, SP Trading, leased the airplane that was seized in Bangkok while carrying 35 tons of rocket-propelled grenades, surface-to-air missiles and other weaponry. The plane had picked up the cargo in North Korea and was headed for Iran. The crew, four Kazahks and a Belarusian, were incarcerated and charged with possessing weapons. (AP Photo/File) THAILAND OUT

WELLINGTON, New Zealand (AP) ? When American Jeffery Lowrance this month pleaded guilty in federal court to wire fraud and money laundering after running a $25 million Ponzi scheme, he was just the latest in a long list of criminals to take advantage of liberal company laws in New Zealand.

Like other criminals before him, he found that for about $130 and a small amount of online paperwork, he could set up a shell company in New Zealand without stepping foot in the country or having any financial presence. He registered First Capital Savings & Loan to an Auckland address but ran his scheme from Panama.

The World Bank ranks New Zealand as the easiest place in the world to set up a business, a point of pride for the island nation, which seeks to encourage trade and investment. But the system is open to abuse.

In an alarming case two years ago, a New Zealand shell company, SP Trading, leased an airplane that was seized in Thailand while carrying 35 tons of rocket-propelled grenades, surface-to-air missiles and other weaponry. The plane had picked up the cargo in North Korea and was headed for Iran. The crew, four Kazahks and a Belarusian, were incarcerated and charged with possessing weapons.

Soon after that, New Zealand's Companies Office set up risk-profiling teams to scour the company register for suspect companies. Since 2010, they've found 2,600 illegitimate companies, and have been de-listing companies that don't comply with various rules at the rate of more than 1,000 per month. Yet with more than 560,000 companies now registered in New Zealand ? one for every eight citizens ? the database is large and growing.

And in the case of SP Trading, it wasn't until two months ago that the Companies Office finally removed it from its register of legitimate businesses.

The European Union became concerned enough that last year it struck New Zealand from its so-called "white list" of countries that require only minimal customer due diligence for transactions involving financial and credit institutions. Concerned that New Zealand could be prone to money laundering and terrorist financing, the EU reaffirmed this year that New Zealand wouldn't be on the list, which includes Australia, Canada and the U.S.

That's been an embarrassment for the developed nation which is regularly rated among the world's least corrupt.

Last week, New Zealand's Commerce Minister Craig Foss introduced a new bill which he says will tighten the rules by requiring each listed company to have a New Zealand-based agent who will bear some legal responsibility. But even if passed by the parliament, the new law would not come into effect until mid-2013 and would not go far enough to satisfy some critics.

"It's about balance," Foss said in an interview. "We are renowned for our ability to get companies up and running in New Zealand. We need to balance that ease with our obligations to make sure we are doing what we can to stop abuse."

He said the new rules would dovetail with anti-money laundering legislation that is being spearheaded by Justice Minister Judith Collins.

Yet some say New Zealand has yet to get serious about stopping abuse. Financial blog naked capitalism has repeatedly accused New Zealand of playing the equivalent of the arcade game "Whac-a-Mole" by knocking down illegitimate operators as they pop up but not dealing with the systemic problems that give rise to the abuse.

"There are significant gaps in New Zealand legislation, especially concerning the registration and supervision of companies," said Michalis Rokas, the Charg? d'Affaires for the EU delegation in New Zealand.

Rokas said EU member states will likely review whether New Zealand can be added back to the white list if and when the country enacts the proposed new laws.

Alastair Stewart, a spokesman for the Ministry of Business, Innovation and Employment, wrote in an email that authorities are aware that operators like Lowrance are abusing the system and they're undertaking a wide program of work "to further reduce the misuse of New Zealand's-registered companies and protect our international reputation."

Records indicate that Lowrance, who once lived in Houston but was last year extradited by federal authorities from Peru, set up his New Zealand company in early 2007. The Companies Office didn't shut it down until mid-2010, eight months after the U.S. District Court of South Dakota issued a $42 million default judgment against Lowrance.

According to another civil judgment filed in Illinois, Lowrance told his 400-plus victims they would get returns of up to 7 percent each month by investing in his foreign currency trading scheme. In fact, Lowrance kept the money for himself, the judgment says, using some of it to fund an unsuccessful religious newspaper called "USA Tomorrow."

Lowrance's victims included a 78-year-old retired Illinois school teacher and a 77-year-old California woman who sold books and flags on eBay.

Under the terms of his plea deal in the criminal case, Lowrance is due to be sentenced later this year to a maximum 15 years, 8 months in prison.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2012-07-29-New%20Zealand-Shell%20Companies/id-583e3b0c58a149a885595bfc8d96084e

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Participating in Metastatic Breast Cancer Research | The Spittoon

Earlier this year 23andMe and Genentech launched an online study of metastatic breast cancer to learn more about how genes might play a role in how a person responds to bevacizumab, also known as Avastin?. (Avastin? is not approved by the FDA for treatment of metastatic breast cancer.)

Since women began to sign up to participate in the study, we?ve expanded eligibility to offer more women the opportunity to participate.

We?ll be posting a few stories from patients and advocates about the study in the coming days.

We?re hoping to recruit 1,000 women living in the United States who?ve been diagnosed with metastatic breast cancer and who started treatment with bevacizumab before Jan. 1, 2012.

This study does face some challenges, but we?re being helped by our partners that include the Avon Foundation for Women, BreastCancer.Org, Living Beyond Breast Cancer, the Metastatic Breast Cancer Network, the Triple Negative Breast Cancer Foundation, the Cancer Support Community and Facing Our Risk for Cancer Empowered (FORCE). Together we believe we can recruit women interested in joining this study.

If you have metastatic breast cancer, please consider joining this innovative study. If you know someone with metastatic breast cancer, refer her to the link so she can find out more.

23andMe?s research model holds promise because we can recruit people to participate in a study much faster than traditional methods. Our model can also eliminate some of the traditional obstacles that block people from participating in clinical trials. By combining participants? genetic data with survey responses, we hope to discover new genetic markers for diseases, and understand why some people respond to treatment more readily than others. This information also helps our researchers explore how a person?s health is influenced by the interactions between genetics and the environment. (While this study may generate important scientific findings, participants should not expect to personally benefit from it, as the findings will not change how they are or have been treated for their disease.)

23andMe has already seen encouraging results in other ongoing research projects. We?re hopeful that this opportunity to work with Genentech in this first-of-its-kind clinical trial will yield promising results.

For more information about the InVite study email invite-study@23andme.com.

Tags: Avastin, Avon Foundation for Women, bevacizumab, BreastCancer.org, Cancer Support Commnity, Facing OUr Risk for Cancer Empowered, Genentech, InVite study, Living Beyond Breast Cancer, metastatic breast cancer, Metastatic Breast Cancer Network, Triple Negative Breast Cancer Foundation

Source: http://spittoon.23andme.com/23andme-research/participating-in-metastatic-breast-cancer-research/

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FIVE THINGS YOU NEED TO KNOW WHEN FILING FOR DIVORCE IN

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Police investigating church burglary

July 30, 2012

Police investigating church burglary

Anonymous Staff writer The Crossville Chronicle Mon Jul 30, 2012, 12:00 PM CDT

CROSSVILLE ? Crossville Police officials are investigating a burglary at the Crossville First United Methodist Church that occurred sometime the night of Sunday, July 22. The church is at 100 Braun St.

Crossville Police SPTL Mitchell Phipps reported the burglary and theft was discovered early Monday morning as an employee arrived for work.

The suspects pried open a door next to the old sanctuary on the north side of the building, according to the report. Once inside, the suspects smashed a window to gain entry into the church's office.

Several offices and classrooms were gone through and a 15-inch MacBook computer, HP laptop computer, Acer laptop computer, Dell laptop computer, Sony HandyCam video recorder, Canon digital camera and a Shure wireless microphone were all taken from the church.

An employee stated a bass guitar may also have been stolen during the burglary. The employee is obtaining serial number information to give to the police.

The total loss listed in the case is at $4,100, which does not include the damages done to the church.

The case remains under investigation. Anyone with information about the case is encouraged to call the Crossville Police or Crossville Crimestoppers at 484-7231, 200-1173, or 200-1147.

Source: http://crossville-chronicle.com/local/x453799056/Police-investigating-church-burglary

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Walked into the store, with air conditioning inside, a share of dense chafing dish.recent flavour blew on, he can't help frowns.

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Political Power Abroad (TIME)

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David_Halperin: Sen. Harkin's Report: For-Profit Colleges Leave Students With Debt but No Degree

Senator Tom Harkin (D-IA) and his Senate?Health, Education, Labor and Pensions (HELP) Committee staff released Sunday a?report?based on a comprehensive investigation of ?30 of the biggest for-profit college companies. It's full of stark revelations about this controversial, troubled industry.

I've been saying for a couple of years that, no matter how cynical one's view of Washington is, it cannot encompass the perpetuation of the terrible impunity of America's for-profit colleges. For over a decade, these corporations have taken billions from taxpayers -- now about $33 billion a year -- for a toxic mix of high-priced, low-quality programs that leave many students -- veterans, students of color, low-income students, immigrants, and others -- deep in debt, their hopes crushed, their lives ruined.

For-profit colleges now account for about 10 percent of U.S. students, but 25 percent for federal financial aid and nearly half of all student loan defaults. Many schools get 85-90 percent or more of their revenues from federal taxpayers, and they spend most of it on items like?marketing, recruiting, and big executive salaries, rather than education and job placement. Not all for-profit colleges are that bad, but many, including most of the big ones, are.

There is stalemate in Washington on holding this industry accountable, because the big money that it spends on lobbying, lawyering, and campaign contributions has bought the allegiance of many congressional Republicans and ?Democrats and has thwarted federal regulations. Thus determined reform efforts by the Obama Administration, and principled leaders like Senators Harkin, Dick Durbin (D-IL), and Kay Hagan (D-NC), and Representatives Elijah Cummings (D-MD), Maxine Waters (D-CA), and Keith Ellison (D-MN), have largely been blocked.

But?after an extended period of scrutiny by federal officials, nonprofits, and diligent news reporters, the truth is coming out and having an impact. Federal investigators are probing for-profit institutions including giants the University of Phoenix?and EDMC?and smaller operations like Florida's FastTrain College, where, on the day of an FBI raid, one student told a reporter that she had been charged for room and board -- at a school that does not offer student housing.

More than 30 state attorneys general are accelerating a joint investigation of fraud by for-profits including Corinthian, Kaplan, and Bridgepoint. Long lethargic accrediting bodies are at last reconsidering the free pass they have given these schools. Investors are realizing that the reckless joy ride may be over soon. Most importantly,?students are getting the message that they need to look elsewhere for educational opportunities. Veterans are especially incensed, and more and more of them are speaking up about the deceptive and coercive recruiting tactics many for-profits use to exploit lucrative GI bill dollars. Check out the hard-hitting video from the Iraq Afghanistan Veterans of America, above.

The latest blow is the detailed report by Harkin. Among its conclusions:

• 54 percent of students who enrolled in these 30 for-profit colleges in 2008-9 left without a degree, within a median of four months.?Among two-year associate degree-seekers, 63 percent left?without a degree.


• "In 2010, the for-profit colleges examined employed 35,202 recruiters?compared with 3,512 career services staff and 12,452 support services staff, more than two and a half ?recruiters for each support services employee."


• "During the same period, the companies examined spent $4.2 billion on marketing and recruiting, or?22.7 percent of all revenue. Publicly traded companies operating for-profit colleges had an average?profit margin of 19.7 percent, generated a total of $3.2 billion in pre-tax profit and paid an average of?$7.3 million to their chief executive officers in 2009."


• "Documents demonstrate that in order to achieve company enrollment goals, recruiting managers at some companies created a boiler-room atmosphere, in which hitting an enrollment quota was?the recruiters' highest priority. Recruiters who failed to bring in enough students were put through?disciplinary processes and sometimes terminated. Before a ban on incentive compensation was reinstituted in mid-2011, recruiters' salaries at many for-profit colleges were tightly tied to enrolling a?certain number of new students."


• "[M]any companies used tactics that misled prospective?students with regard to the cost of the program, the availability and obligations of Federal aid, the time to complete the program, the completion rates of other students, the job placement rate of other students, the transferability of the credit, or the reputation and accreditation of the school."


• "Internal documents show that some schools' pursuit of military benefits led them to recruit from?the most vulnerable military populations, sometimes recruiting at wounded warrior centers and?veterans hospitals."


• "In addition to aggressively seeking military personnel, the investigation showed that some?recruiters misled or lied to service members as to whether their tuition would be fully covered by?military benefits."


• "In the absence of significant reforms,the sector will continue to turn out hundreds of thousands of students with debt but no degree, and taxpayers will see little return on their investment."

For his leadership on his issue, Senator Harkin has allegedly faced threats from this arrogant industry and unremitting hostility from Republican members of his own committee. He deserves enormous credit for his determination?to protect students and taxpayers.

The for-profit colleges have adopted a talking point -- see here and here -- asserting that those who question their industry are driven by "their political or ideological agenda." ?But the agenda that Harkin and his allies are pursuing is purely common sense: Taxpayer money should not fuel waste, fraud, and abuse.

There can be a constructive role for for-profit institutions in educating Americans, but the current race to bottom -- where profits depend on abusing and exploiting students -- must end. With federal dollars already scarce, policy must instead reward schools that compete by helping students train for careers and obtain good jobs. This straightforward approach could be considered contentious only in a warped world where slick industry lobbyists and campaign money distort the debate.

Republic Report will have more on the Harkin report in the days to come. The senator, joined by Rep. Cummings, will hold a press conference Monday afternoon.

The original version of this article was published on Republic Report.

?

Follow David_Halperin on Twitter: www.twitter.com/davidhalperindc

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Source: http://www.huffingtonpost.com/davidhalperin/debt-and-no-degree_b_1716940.html?utm_hp_ref=politics&ir=Politics

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Tiny airborne pollutants lead double life: UBC, Harvard research

Public release date: 30-Jul-2012
[ | E-mail | Share ]

Contact: Chris Balma
balma@science.ubc.ca
604-822-5082
University of British Columbia

University of British Columbia and Harvard researchers have provided visual evidence that atmospheric particles--which are ubiquitous in the atmosphere, especially above densely populated areas--separate into distinct chemical compositions during their life cycle.

The observations could have important implications for modelling global climate change and predicting air quality conditions. The tiny particles, which form part of an airborne chemical mix above cities, play a role in pollution by providing a surface for chemical reactions and in climate by reflecting and absorbing solar radiation and by acting as seed surfaces for water condensation and cloud formation.

"We've confirmed experimentally that changes in relative humidity can separate the organic and inorganic material in individual atmospheric particles into distinct liquid phases, much like oil separates from water," says UBC professor Allan Bertram, Director of the collaborative research and training program on atmospheric aerosols at UBC and a principal investigator on the paper.

"Having two liquid phases rather than one can change the rates of chemical reactions on particles, may change the amount of light the particles reflect and absorb, and impact their ability to act as seeds for clouds."

The findings--which used air samples from Atlanta, Georgia, the Harvard Environmental Chamber, and the Pacific Northwest National Laboratory Environmental Chamber--are to published in the Proceedings of the National Academy of Sciences next week.

"I think of it as the beautiful phenomenon when I mixed food coloring, water and vegetable oil in a bottle when I was in grade school," says Harvard researcher Scot Martin, Gordon McKay Professor of Environmental Chemistry at the School of Engineering and Applied Sciences and the Department of Earth and Planetary Sciences.

"More to the point, this phenomenon is really new thinking in the atmospheric sciences, and it completely changes the way we need to think through the reactive chemistry of atmospheric particles, a key component of urban air quality."

The air in most urban environments contains particles that are mixtures of organic molecules and chemicals like sulfates. When examined, samples from Atlanta revealed distinct liquid phases that were qualitatively similar to idealized particles generated in the laboratory. The liquid-liquid phase separation occurs naturally.

Particulate air pollution is a relatively new area of study, but one of growing concern to researchers, health officials and environmental groups. Increases in the concentration of aerosols are correlated with increased health issues, including cardiopulmonary disorders.

"We need to understand as much as possible about the chemical composition, physical properties and interactions of atmospheric particles if we're going to assess how they impact human health, regional weather patterns, and even global climate change," notes Bertram, with the Department of Chemistry.

###

The research was partly funded by the Natural Sciences and Engineering Research Council of Canada through the Collaborative Research and Training Experience (CREATE) program. CREATE supports the training of teams of highly qualified students and postdoctoral fellows from Canada and abroad through the development of innovative training programs.

The research was also funded by the Atmospheric Chemistry Program of the United States National Science Foundation,the Atmospheric System Research (ASR) Program of the Department of Energy, and Pacific Northwest National Laboratory Aerosol Climate Initiative.

---

[ | E-mail | Share ]

?

AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.

Public release date: 30-Jul-2012
[ | E-mail | Share ]

Contact: Chris Balma
balma@science.ubc.ca
604-822-5082
University of British Columbia

University of British Columbia and Harvard researchers have provided visual evidence that atmospheric particles--which are ubiquitous in the atmosphere, especially above densely populated areas--separate into distinct chemical compositions during their life cycle.

The observations could have important implications for modelling global climate change and predicting air quality conditions. The tiny particles, which form part of an airborne chemical mix above cities, play a role in pollution by providing a surface for chemical reactions and in climate by reflecting and absorbing solar radiation and by acting as seed surfaces for water condensation and cloud formation.

"We've confirmed experimentally that changes in relative humidity can separate the organic and inorganic material in individual atmospheric particles into distinct liquid phases, much like oil separates from water," says UBC professor Allan Bertram, Director of the collaborative research and training program on atmospheric aerosols at UBC and a principal investigator on the paper.

"Having two liquid phases rather than one can change the rates of chemical reactions on particles, may change the amount of light the particles reflect and absorb, and impact their ability to act as seeds for clouds."

The findings--which used air samples from Atlanta, Georgia, the Harvard Environmental Chamber, and the Pacific Northwest National Laboratory Environmental Chamber--are to published in the Proceedings of the National Academy of Sciences next week.

"I think of it as the beautiful phenomenon when I mixed food coloring, water and vegetable oil in a bottle when I was in grade school," says Harvard researcher Scot Martin, Gordon McKay Professor of Environmental Chemistry at the School of Engineering and Applied Sciences and the Department of Earth and Planetary Sciences.

"More to the point, this phenomenon is really new thinking in the atmospheric sciences, and it completely changes the way we need to think through the reactive chemistry of atmospheric particles, a key component of urban air quality."

The air in most urban environments contains particles that are mixtures of organic molecules and chemicals like sulfates. When examined, samples from Atlanta revealed distinct liquid phases that were qualitatively similar to idealized particles generated in the laboratory. The liquid-liquid phase separation occurs naturally.

Particulate air pollution is a relatively new area of study, but one of growing concern to researchers, health officials and environmental groups. Increases in the concentration of aerosols are correlated with increased health issues, including cardiopulmonary disorders.

"We need to understand as much as possible about the chemical composition, physical properties and interactions of atmospheric particles if we're going to assess how they impact human health, regional weather patterns, and even global climate change," notes Bertram, with the Department of Chemistry.

###

The research was partly funded by the Natural Sciences and Engineering Research Council of Canada through the Collaborative Research and Training Experience (CREATE) program. CREATE supports the training of teams of highly qualified students and postdoctoral fellows from Canada and abroad through the development of innovative training programs.

The research was also funded by the Atmospheric Chemistry Program of the United States National Science Foundation,the Atmospheric System Research (ASR) Program of the Department of Energy, and Pacific Northwest National Laboratory Aerosol Climate Initiative.

---

[ | E-mail | Share ]

?

AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.

Source: http://www.eurekalert.org/pub_releases/2012-07/uobc-tap072512.php

84th annual academy awards

Geithner to help senator with mortgage refinance plan | HomeFinder ...

Senator Jeff Merkley recently set forth a new mortgage refinance plan to help American borrowers underwater on their mortgages, which has now been endorsed by Treasury Secretary Timothy Geithner.

According to HousingWire, Geithner said he would look into launching the pilot programs that would help more than 8 million underwater borrowers.

"We like the way you designed it," Geithner told Merkley at a Senate Banking Committee hearing Thursday. "It would help reduce the remaining pressures that housing has on the economy." The bill doesn't leave the taxpayer to pay for it."

The new plan would have the government buy underwater mortgages, and allow borrowers a variety of options to make them more affordable. Qualified borrowers could potentially reduce their principal, extend the term of their loan or decrease their rates mortgage rates.

Despite the optimism from Geithner, Patrick Pulatie of LFI Analytics told HousingWire he is skeptical about the program.

"As Fed studies show, loan-to-value for underwater borrowers is not a factor in defaults, unless there are income pressures. At that time, LTV may play a part in default decisions," he told the news source. "People who have the money to make payments, continue to do so, even if underwater."

This entry was posted on Monday, July 30th, 2012 at 3:29 am and is filed under Mortgage News. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

Source: http://www.homefinder.com/news/real-estate/2012/07/30/geithner-to-help-senator-with-mortgage-refinance-plan/

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WSOC_TV: RT @BreakingNews: China wins the gold, Mexico wins the silver and USA wins the bronze in Olympic men's synchronized diving - @ReutersSports

Sorry, Readability was unable to parse this page for content.

Source: http://twitter.com/WSOC_TV/statuses/229955450110607360

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But about 22% of that is going into riskier high-yield, or ?junk,? bonds?those ? Stocks for bond lovers; These companies? stocks offer fatter payments than their bonds MarketWatch Investors who buy Procter & Gamble bonds that come due in 15 years get a yield to maturity of about 3% a year. Those who buy the company?s stock, meanwhile, get a dividend yield of 3.7%. Time to Sell Treasurys? WSJ.com Treasury bonds are priced for the end of the world. But the latest Europe-induced bout of panic might be coming to an end, some advisers and strategists say. Savings Fall Short for Most Retirees WSJ.com Your financial adviser doesn?t want you to read this column. Many retirement investors, egged on by brokers and mutual-fund companies, put a great deal of emphasis on crafting finely tuned portfolios out of stocks, bonds and?increasingly, ? 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WSJ.com The ?bond vigilantes? who once imposed law and order on financial markets are being run out of town. That means investors thirsting for a quick return to ?normal? interest rates might stay parched for a long time to come. Emerging Markets: The Allure of Bonds; Advisers suggest investors look beyond stocks WSJ.com For investors looking to diversify into emerging markets, they might be surprised to know there?s more than stocks on the menu. Instead, portfolio managers increasingly suggest emerging-market bonds as a viable alternative for investors ? Where the Sweet Spots Are in Stocks and Bonds Right Now WSJ.com If Wall Street is a struggle between fear and greed, both sides seemed plenty crowded this past week. The fearful, eyeing political turmoil and deep fiscal woes in Greece, snapped up 10-year Treasury notes with yields as low as 1.70%, near ? Give a Graduate the Gift of Becoming an Investor WSJ.com If you want to give a high-school or college graduate a gift with a big financial impact, go beyond writing a check. Giving the gift of investing?with individual stocks, bonds or investment accounts and even some financial planning?will help ? 3 income-focused ETFs for the yield hungry; Commentary: New funds turn to MLPs, REITs, other alternatives MarketWatch NEW YORK (MarketWatch) ? Investors? hunger for income, which has driven billions of dollars of assets into dividend-focused funds, is now bringing forth a new investment product: multi-asset-class income vehicles. Don?t Bank On It; Leveraged loans and managed futures offer opportunities, but beware risks WSJ.com Q: How can one invest in bank loans ? Are there mutual funds or ETFs that invest in the area? A: As the economy improves, investors have shifted to riskier investments, such as stocks and junk bonds. Lately, more have taken an interest in ? 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Why Stocks Are Riskier Than You Think; Most people can get the money they need for retirement without gambling heavily on equities, say Zvi Bodie and Rachelle Taqqu WSJ.com A growing sense of urgency is driving many investors to take reckless risks with their money. Even though they experienced the hazards of stock ownership firsthand in 2008, investors are venturing back into equities again. They?ve been ? How Much Risk Can You Manage? WSJ.com In my last column, I outlined a new approach to managing investment risk that I summed up this way: Never gamble unless you can afford to lose. A Swan Song for the Bond Market?s Bull Run WSJ.com Is the bond bull market over? If so, how should investors adjust their portfolios? One of the most important reasons the U.S. economy and financial markets have stabilized since the financial crisis is that interest rates plunged. Thanks to ? 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Subscriber Content Read Preview Limited Demand for Superlong U.K. Bonds WSJ.com LONDON?The U.K. government is looking to take advantage of its haven status by issuing perpetual bonds for the first time since the World War I, but tepid demand from pension funds could undo those plans. Why Stocks Look Too Pricey; Various Indicators Suggest the Market Is No Longer a Bargain WSJ.com After a six-month rally, U.S. stocks are getting pricier. Experts say investors should exercise caution. The Standard & Poor?s 500-stock index gained 12% during the first three months of 2012, the best start to the year since 1998. After ? Subscriber Content Read Preview Bond King?s Trade Pays Off; Pimco?s Bill Gross Wins With Bet on Mortgage Debt; Rebound from Rough 2011 WSJ.com The bond king might be making a comeback. After suffering one of his worst performances ever in 2011, over the past three months, Bill Gross, manager of Pacific Investment Management Co.?s Total Return Fund, rode an aggressive bet on ? Subscriber Content Read Preview Investors Put Cash in Mutual Funds WSJ.com Long-term mutual funds had estimated net inflows of $8 billion in the latest week, as investors continued to add money to bonds and hybrid funds, offsetting withdrawals from equities, according to the Investment Company Institute. Euro-Zone Debt?Not All Toxic; Opportunities abound for investors prepared to take a punt on corporate bonds WSJ.com Against what would appear to be insurmountable odds, and in the midst of a once-in-a-generation sovereign-debt debacle, the European corporate bond market is thriving. And according to industry experts, that is not at all surprising. Why Munis Are Worth a Look WSJ.com Municipal bonds faced two key tests this past week?and came out looking sturdy. The first was a spike in Italian government bond yields that culminated Wednesday with a global flight from risky assets. Muni prices rose, a sign that investors ? Safe at Home? Not in a 401(k) WSJ.com How will 401(k) investors react to the latest blast of volatility in the markets? If the recent past is any guide, they will retreat into the apparent safety of cash, Treasury bonds and ?stable value? mutual funds. Better Ways to Fight Inflation WSJ.com With the economy growing slowly and commodity prices well off their recent highs, inflation wouldn?t seem to be an imminent threat. Yet investors are piling into inflation-protected bonds. 2011 Perfomance of Long-term Bond ETFs WSJ.com Long-term bond ETFs tend to move opposite stocks. All of the ETFs in the table below have an average duration of more than 10 years. Duration, measured in years, is used to determine a bond or bond fund?s interest rate sensitivity by ? Balanced Funds Tilt Toward Stocks, While Investors Want to Scale Back WSJ.com While individual investors have been fleeing the stock market for months, some fund managers have been pushing them right back in. Among fund managers with the flexibility to invest in a mix of stocks, bonds and other assets, the trend has ? A Brighter Outlook for Muni Bonds WSJ.com Municipal bonds have had a rebirth since getting pummeled earlier this year, and the recent tumult in the financial markets has rekindled interest in an investment class with a tradition of safety. Altria?s Gains Could Go Up in Smoke WSJ.com Altria Group, parent company of Philip Morris USA and its best-selling Marlboro cigarettes, has more than lived up to its reputation as a defensive investment?providing investors with stable returns and, importantly, a dividend yield of ? Ohio State University Prices ?Century? Bond WSJ.com NEW YORK?Ohio State University sold $500 million worth of 100-year bonds late Wednesday, becoming the first public university to issue a so-called ?century? bond. Big Year for Bond ETFs Could End With a Visit from the Tax Man WSJ.com Investors in one of Main Street?s hottest investment products may get an unexpected parcel this holiday season?a tax bill. Exchange-traded funds, which are baskets of securities that follow an asset class or sector, have been a hit for ? Next; Scams Target ?Self-Directed? IRAs WSJ.com As investors are putting their retirement savings into so-called self-directed individual retirement accounts, complaints about fraud in these accounts are on the rise, securities regulators say, and investors should carefully consider the ? The Rally That Wouldn?t Die! Treasury Bonds Have Been on a 30-Year Tear. Whether or Not the Party Can Last Is Beside the Point?There Are Far Better Places to Put Your Money WSJ.com At least one fear gauge shows that investors were more scared in 2011 than in the dark days of 2008. According to investment-research firm Morningstar, a portfolio of U.S. Treasurys with an average maturity of 20 years?the quintessential ? Subscriber Content Read Preview Bond-Fund Stars Fall as Bets Backfire, but They Fight On WSJ.com It?s been a tough year for bond-fund stars. Longtime outperformers in mutual-fund rankings Dan Fuss, co-portfolio manager of the Loomis Sayles Bond Fund at Loomis Sayles & Co, and Michael Hasenstab, portfolio manager of Templeton ? Subscriber Content Read Preview Mutual Funds Draw In More Investor Deposits WSJ.com Long-term mutual funds had estimated buying of $7.31 billion in the latest week. That represented significant investment in bonds and foreign equity funds, which offset outflows from domestic equities, according to the Investment Company ? Getting the Most From a Lame 401(k) Retirement Plan WSJ.com It isn?t easy picking investments when quality bonds offer meager yields, stocks seem bipolar and the richest economies are struggling to expand. But many 401(k) investors face an added challenge: choosing from a mutual-fund menu that ? Caging Raging Contagion WSJ.com Is there no end to the contagion? This week, as the Italian government and Italian bonds collapsed over fears the country can?t control its debt, everything else fell, too. Of the 45 national stock markets in the MSCI All Country World ? Subscriber Content Read Preview Why Your Bond Funds Probably Aren?t Worth their Fat Fees WSJ.com One bond king?s recent stumble gives investors reason to question the outsize fees many are paying to mutual-fund managers?and to consider some new alternatives. Investors Favor Funds With a Focus on Bonds WSJ.com Money exited from long-term mutual funds for the third consecutive week, as investors pulled cash from equities and added to bonds and hybrid funds, according to estimates from the Investment Company Institute. What Price Stable Returns? WSJ.com Stable is nice, but it isn?t perfect. Investors in ?stable-value funds,? which are bundles of bonds tied together with an insurance policy within a 401(k) retirement plan, have fared remarkably well in recent years. But rising ? Subscriber Content Read Preview Mutual Funds Pull in Cash WSJ.com Investors put a net $823 million into long-term mutual funds in the latest week, as increases in bonds and hybrid funds more than offset continued withdrawals from equities, according to the Investment Company Institute. When Funds Lend Stock, Who Gains? WSJ.com You wouldn?t want to make a loan to someone without knowing what you will earn on the loan. But if you own mutual funds or exchange-traded funds, you might be doing exactly that. For the Best Bond Deals, Look to the Emerging Markets WSJ.com Emerging-market bonds might appeal to the aggressive and the timid alike. The aggressive will like the 6.5% yield on the J.P. Morgan Emerging Market Bond Index. That?s triple what investors get from 10-year government bonds issued by ? Subscriber Content Read Preview Not Dead Yet: What to Do With Your Bets on Rising Rates WSJ.com So you bet on rising rates. You loaded up on high-yield bonds, leveraged loans and short-term Treasurys in the belief that the U.S. economy was recovering fast enough for the Federal Reserve to consider raising interest rates sooner rather ? Subscriber Content Read Preview Those Safe Havens You?ve Been Flocking to Aren?t So Safe WSJ.com It?s time for a flight from safety. The recent market maelstrom has sent investors fleeing to traditional safe havens such as Treasury bonds, recession-resistant stocks, Swiss francs and gold. Home Builder Stuck in the Basement WSJ.com The nation?s housing market has lately been showing signs of life, and investors have bid up home builders? stocks by an average of nearly 50% over the past three months. But in the case of Hovnanian Enterprises (HOV), which is up ? Little Relief for Income Investors WSJ.com The latest bout of turmoil in the financial markets is a fresh headache for retirees relying on their savings to make ends meet. That?s especially the case for the many older investors who have ventured into riskier stocks and bonds in ? Is that Gold?s Glitter or Your Brain?s Tricks? WSJ.com If you are a gold investor, you?re probably quite pleased with yourself right now. It?s been one of the best-performing investments this year. A High-Rate Deadline Looms WSJ.com The window is closing a bit further on one of the best deals for savers. Beginning Jan. 1, individuals will be able to buy only $5,000 in I Savings Bonds a year, down from $10,000 today?making it tougher to hold one of the last risk-free ? Muni Bonds Seem Poised for Pain WSJ.com Municipal bonds have been one of the top-performing asset classes in 2011. But the rally might not last much longer, advisers and strategists say. What Worked in 2011? and What Didn?t WSJ.com A year ago, many experts said to avoid U.S. bonds, hold ample cash and stick with foreign stocks. Those turned out to be among the worst moves of a surprising investing year. What to look for in a dividend mutual fund; Commentary: Income from funds is trickier than from stocks MarketWatch BOSTON (MarketWatch) ? Conventional investment wisdom for at least the last half century has been simple: Use stocks for growth and bonds for income. Divorce: Who Wants the House? WSJ.com A volatile relationship may trigger a divorce. But volatile financial markets are playing a big role in the way couples split their assets. While their lawyers spar, a couple?s retirement savings and other assets?cash, businesses, ? Non-traded REIT is a non-starter; Commentary: Illiquid real estate play is the Stupid Investment of the Week MarketWatch SAN FRANCISCO (MarketWatch) ? Every investment conference seems to have a magic word that reflects a broad, buzzing theme. At the Schwab IMPACT Conference in San Francisco this week, the magic word was ?alternative? ? which means that the ? The Federal Reserve Says, ?Let?s Do the Twist? WSJ.com The Federal Reserve?s latest move, known as Operation Twist, will involve selling $400 billion worth of its short-dated bonds and using those proceeds to purchase longer-term Treasurys. Crummey Trusts Still Smart, Say Advisers WSJ.com There?s nothing crummy about a Crummey trust?even in a period of higher exemptions for estate and gift taxes. The trusts, which got their name from a Methodist minister who won a fight with the Internal Revenue Service in the 1960s, are ? Subscriber Content Read Preview Pimco?s Gross Has ?Lost Sleep? Over Bad Bets WSJ.com In recent weeks, Pacific Investment Management Co. founder Bill Gross says he has ?lost sleep? over an ill-timed bet on Treasurys. Beware of the Bond-Market Bubble. Again. WSJ.com Spooked by stocks and unfazed by the recent downgrade of U.S. debt, investors have turned to Treasurys as a safe haven. But are their moves inflating the risks in the broader bond market? Options for Nervous Investors WSJ.com Stocks have generated more worry than gains this year?and for more than a decade. Yet slim yields on bonds and savings give stockholders little enticement to sell. ?Go-Anywhere? Funds Struggle To Read the Economic Road Signs WSJ.com They were supposed to be the ultimate weapon for turbulent times: mutual funds with the freedom to buy any assets they want, anywhere in the world. But as investors have flocked to so-called go-anywhere funds this year, many have gone ? Bond Bets Paid Off WSJ.com Last year saw better returns for bonds than for stocks on average?and that shaped the comparative performance of target-date funds for retirement. Find Solid Stocks in a Wild Market WSJ.com It isn?t easy buying stocks after the market craters, as it has recently. But the market has rarely looked so appealing in recent decades. Subscriber Content Read Preview Vanguard Bond Index Fund Beats Stars Bill Gross, Dan Fuss WSJ.com Investors are getting juicier returns this year putting their money into a bond index fund instead of tapping the brains of many high-profile fund managers. Savings Bond Goes Digital WSJ.com Grandma?s gift of choice is going digital. Most paper forms of Series EE and I savings bonds won?t be available for purchase after Dec. 31. The bonds will instead be issued in digital form through TreasuryDirect.gov. You can get a ? Why Buying Treasurys Isn?t As Crazy as It Might Seem WSJ.com Treasury bonds are dead. Long live Treasury bonds! Moody?s Investors Service and Standard & Poor?s this week said they might downgrade the credit rating of the U.S. if Congress doesn?t raise the debt ceiling soon?a move ? Muni-Tax Break Under Siege; A Senate Bill Seeks to Bar Municipal Borrowers From Issuing Tax-Exempt Bonds SmartMoney.com The tax break for municipal-bond investors, a cornerstone of the $2.9 trillion market for bonds sold by cities and states, is under fire in Washington. Forget About Black Swans, the One Floating Ahead is Neon WSJ.com You?ve heard of black swans?events that are unthinkably rare, immensely important, and as unpredictable in advance as they are inevitable in hindsight. Now, with no one ruling out a default or downgrade of U.S. Treasury debt, investors ? The Asset-Allocation Fallacy WSJ.com A time-honored investment adage is that your asset allocation should mirror your age: 60/40 stocks and bonds at age 40; 50/50 at 50; 40/60 at 60 and so on. An entire industry of so-called target-date funds has risen in recent years to help ? Defense! Five Mutual Funds for Bad?and Good?Times WSJ.com It?s often said that the best defense is a good offense. Unfortunately, when it comes to mutual funds, many have developed an unpleasant reputation for not protecting shareholders in tough times. Bond Markets Are Growing Riskier SmartMoney.com Bond markets are growing riskier as investors seeking steady returns bid up prices and ignore some early warning signs similar to those that flashed during the credit bubble. Stocks: More Room to Rally WSJ.com The trading pattern that has dominated the markets for the past year could be breaking down?and that could spell opportunity for investors. After a disappointing payrolls report on Friday morning, investors poured out of stocks and into the ? 3 Stocks With Impressive Returns on Capital SmartMoney.com Finance officers will attest that one key to corporate greatness lies in a pair of acronyms: ROIC and WACC. ROIC is return on invested capital. It?s the profit a company produces in a year as a percentage of the money investors have ? Unwitting Angels: When Fund Investors Become Bankers WSJ.com With the debt markets in turmoil, where will the money come from to bail out troubled borrowers? If you?re a mutual-fund investor, look in the mirror: The next bailout might come from you. How to Protect Yourself Against Currency Risk SmartMoney.com BOSTON (MarketWatch) ? The world is hyperventilating over inflation and municipal bonds right now. And with good reason. But there?s another issue that has analysts in the investment world putting finger to keyboard. And that would be ? You Need a Plan to Boost Retirement Income WSJ.com Generating the most income in the safest fashion from a nest egg is the holy grail of retirement income planning. You obviously want your dollars to stretch as far as possible without taking on much risk. In Search for Safety, a New Risk SmartMoney.com Federal Bonds, once a bastion of safety for the risk-averse, are now becoming more of a risk themselves. With yields at an all-time low and bond prices expected to rise even further, some experts are crying ?Bubble? ? especially ? Crystal Ball; What?s ahead for the yield on 30-year Treasury bonds? WSJ.com Send your prediction to crystalball@wsj.com by midnight EDT Sunday, with your full name, city, state and phone number. The first reader who gets it right will be named in next Saturday?s paper. Scary Investments?That Work SmartMoney.com Robert Hort is 64, an age when many investors start to slow down a bit?at least when it comes to where they put their money. Bonds begin to look more appealing than stocks, and cash looks like a safer bet than bonds. So where is Hort, a ? The Debt Crisis: If Treasury Bonds Aren?t Safe, What Is? WSJ.com How can you lower your portfolio?s risk in a world of rolling government-debt crises? Start by taking a deep breath. Then, see if you need to do some tinkering?but not too much. Analyst?s $125,000 Muni Warning Yields Backlash SmartMoney.com State and local government bonds have broadly fallen in price since late September, when celebrity analyst Meredith Whitney began publicizing a 600-page report predicting widespread defaults and a new financial crisis. Whitney recently told ? ? ? 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