Wednesday, August 31, 2011

LDS Wealth Advisors Offers Life Insurance Tips For Life Insurance ...

LDS Wealth Advisors offers life word recommendation in time for Life Insurance Awareness Month

LDS Wealth Advisors offers life word recommendation in time for Life Insurance Awareness Month

?.. since a customer had a life insurance policy, she didn?t have to feel a financial vigour of losing a categorical source of income, profitable their debt and lifting 4 children on her own

Wheaton, IL (PRWEB) Aug 31, 2011

LDS Wealth Advisors, an eccentric financial services organisation formed in Illinois, participates in September?s Life Insurance Awareness Month by providing useful life word tips. Life Insurance Awareness Month takes place any Sep in an bid to lift recognition among consumers and producers about a need for life insurance. One of a many common reasons for shopping life word is to reinstate a detriment of income that would start in a eventuality of one?s death. LDS Wealth Advisors has a believe and believe to financially ready people and family members for an astonishing loss.

Barry Link, a President and CEO of LDS Wealth Advisors, shares this customer story, ?LDS Wealth Advisors recently had a client, age 38, who collapsed unexpected while personification racquetball and died of a heart aneurysm. The customer was in ideal health, was married with 4 children, a youngest one being during 6 months. His mother was clearly devastated, though since a customer had a life word policy, she didn?t have to feel a financial vigour of losing a categorical source of income, profitable their debt and lifting 4 children on her own.?

LDS Wealth Advisors provides a following 4 tips for selecting a life word policy:

1- Clients should know particular needs and because they are needed:

One?s life word needs count on a series of factors, including marriage, family size, a inlet of financial obligations, career theatre and goals. For example, when someone is young, he/she might not have a good need for life insurance. However, as he/she takes on some-more responsibilities and raises a family, a need for life word increases.

2- Understand tenure word vs. permanent insurance:

The dual basis of life word are tenure life and permanent life. Term policies yield life word word for a specific duration of time. They are accessible for durations of 1 to 30 years or more. Permanent word policies yield word for one?s whole life, haven income value, and should a routine owners pause a policy, that haven can be returned to a routine holder.

3- Understand that word is for protection, not investing:

Life insurance is an agreement between a insured and an insurer. Under a terms of a life word policy, a insurer promises to compensate a certain sum to a customer on his/her death, in sell for reward payments. Proper life word coverage should yield one with assent of mind, and believe that desired ones will be financially protected.

4- Do a required homework:

Before determining either to buy tenure or permanent life insurance, cruise routine cost and intensity assets that might be available. Also keep in mind that word needs will expected change as family, job, health, and financial cinema change. Clients will wish to build some coherence into a decision-making process.

Proceeds from a life word routine make income accessible to support one?s family roughly immediately on death. Life word is also ordinarily used to compensate any debts left behind. Life word can be used to compensate off mortgages, automobile loans and credit label debts. Life word deduction can also be used to compensate for final losses and estate taxes.

For some-more information, revisit http://www.ldswealthadvisors.com.

About LDS Wealth Advisors:

LDS Wealth Advisors? goal is to definitely impact a lives of the clients by providing personalized, design financial recommendation and constant service. The association is located in Wheaton, Illinois. With some-more than 60 years of believe between advisory partners, LDS Wealth Advisors thrives during behaving extensive, ongoing investigate on word products, income managers, and choice investment options.

Contact:

Barry Link

630-871-0070

Ids(at)linkds(dot)com

###


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Source: http://lifeinsurancehealth.net/lds-wealth-advisors-offers-life-insurance-tips-for-life-insurance-awareness-month/

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China's Twitter closes accounts over 'rumors'

China's most popular microblogging site is cracking down on what it says is the spread of false rumors after the ruling Communist Party told Internet companies to tighten control over information online.

The move by Sina Corp. reflects the pressure on China's Internet companies, most of which are privately owned, to take initiative to help Beijing enforce censorship or risk losing the right to operate profitable businesses in a fast-growing market.

Sina's Weibo service has sent notices to its 200 million users denying two reports posted on the site, including one about the killing of a 19-year-old woman. It said the accounts of users who originated the reports were temporarily closed.

The move comes amid the ruling party's most sweeping crackdown on dissent in years as it tries to prevent the rise of Middle East-style protests.

The party secretary for Beijing, Liu Qi, visited Sina's headquarters last Monday and said Internet companies should block the spread of false and harmful information, according to a party newspaper. Liu gave no details of what the party wanted, but Sina issued a statement Thursday saying it would "put more effort into attacking all kinds of rumors."

Beijing encourages Internet use for education and business but worries about its potential to spread criticism of communist rule. Authorities tightened controls after social networking and other websites played a key role in protests that brought down governments in Egypt and Tunisia.

Weibo users reacted with dismay to Sina's move.

"The constitution stipulates freedom of speech, but there is no freedom of speech in reality," said one posting on the site. "Please refute this rumor."

Sina's announcement gave no indication it was following government orders but many user comments said it reacted to Liu's visit.

Others questioned whether the ruling party would use the policy to suppress the spread of true information that might embarrass officials.

"Do not ban the truth through 'refuting rumors,'" said one.

Web bulletin boards and Sina's microblogging site are especially sensitive because they give China's general public a rare opportunity to express opinions to a wide audience in a society where the party controls all media.

Communist leaders have allowed such services as they try to strike a balance between controlling information and developing an Internet industry they hope will help drive China's modernization. Private sector Internet services are required to monitor content on their own and quickly remove any that violates censorship rules.

Sina CEO Charles Chao told Forbes magazine in March that Weibo had at least 100 employees monitoring content 24 hours a day.

In its announcements Friday, Sina denied a report on Weibo that a suspect in the slaying of a 19-year-old woman was freed in the central city of Wuhan because of his politically influential father. It cited police as saying the suspect was still in detention.

Sina said the account of the user who spread the report was suspended for one month.

The company also denied a report that the Chinese Red Cross was improperly charging hospital patients for blood. It said the Red Cross had no role in managing blood donations, only in assisting health authorities with publicity.

Sina said it has created a separate channel dubbed "Weibo Refutes Rumors" to spread denials of false information. It announced an email address for users to send reports of possible falsehoods.

China's online population is by far the world's biggest, with 485 million Internet users as of June 30, and is still growing rapidly, according to the government-sanctioned China National Internet Information Center.

That has created huge profit opportunities for Internet companies that comply with official controls, giving Beijing leverage to encourage cooperation and for private sector businesses to bear the cost of enforcing censorship.

Baidu Inc., which operates China's dominant search engine, says its profit for the three months ending in June rose 95 percent over a year earlier to $252.6 million.

Baidu's market share has grown since U.S.-based rival Google Inc. closed its China search engine last year after saying it no longer wanted to cooperate with censorship.

Sina, whose shares are traded on the U.S.-based Nasdaq stock market, reported a $10 million quarterly profit. That was down from $25.2 million for the same period of 2010 due to the costs of launching Weibo.

Another private company, Alibaba Group, has told merchants on its popular e-commerce platform Taobao to stop selling virtual private network and other software that can bypass Internet filters meant to block access to foreign websites deemed subversive or obscene.

Alibaba said last week it received no government orders and took the action after it found VPNs were being used to visit foreign websites illegally.

In a separate crackdown, the official Xinhua News Agency said Sunday that regulators have shut down 6,600 websites linked to companies that help clients delete unfavorable news items online or spread rumors to damage competitors.

Between April and June, authorities deleted more than 790,000 online posts and articles that contained illegal material, Xinhua said.

In one high-profile case, China's biggest milk producer, Mengniu Dairy Group Co., said last October that one of its managers had tried to boost his sales by spreading rumors online that a rival's infant formula might be dangerous.

Copyright 2011 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Source: http://www.msnbc.msn.com/id/44316795/ns/technology_and_science-tech_and_gadgets/

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Tuesday, August 30, 2011

Obama faces tight restraints in crafting jobs plan

President Barack Obama announces his selection of Alan Krueger as chairman of the Council of Economic Advisers, Monday, Aug. 29, 2011, in the Rose Garden of the White House in Washington. (AP Photo/Carolyn Kaster)

President Barack Obama announces his selection of Alan Krueger as chairman of the Council of Economic Advisers, Monday, Aug. 29, 2011, in the Rose Garden of the White House in Washington. (AP Photo/Carolyn Kaster)

President Barack Obama announces his selection of Alan Krueger, left, as chairman of the Council of Economic Advisers, Monday, Aug. 29, 2011, in the Rose Garden of the White House in Washington. (AP Photo/Carolyn Kaster)

(AP) ? Hamstrung by budget cuts and a tight debt ceiling, President Barack Obama is preparing a September jobs package with limited tools at his disposal to prime the economy and crank up employment.

At a minimum, the president's plan will call on Congress to extend current payroll tax cuts and jobless benefits, spend money for new construction projects and offer incentives to businesses to hire more workers. But economists say that while that would eliminate some drag on the economy and maintain the status quo, it won't be enough to propel it to new heights.

The president's plan, which he will announce in a major speech next week, will be far less ambitious than the $825 billion stimulus of 2009, passed when the economy was still shrinking and when unemployment stood at 8.2 percent. Now the economy is growing sluggishly but unemployment is a full percentage point higher ? 9.2 percent for July.

Economists who advocate for government intervention in the economy estimate that it would take a package of at least $300 billion to avoid backsliding and even more to give the economy a lift.

That's a tall order for a president facing a divided Congress where Republicans, demanding fiscal austerity, reject the notion that short-term infusions of taxpayer money into the economy can prod a sluggish recovery. Even without Republican opposition, such a level of spending would require short-term borrowing that would move the government closer to its new debt ceiling before the November 2012 election, something Obama is determined to avoid.

The president's speech will set the stage for the economic debate to come in Congress. A congressional supercommittee has been given the job of finding at least $1.5 trillion in deficit reduction. As part of his economic plan, Obama plans to propose even more deficit reduction to help pay for the up-front cost of his jobs initiatives.

The listless economy, which has left millions of Americans out of work and threatens the savings of millions more, is the biggest obstacle facing Obama's re-election. Making the case for his economic programs will be central to the remaining 18 months of his term.

"Our great challenge as a nation remains how to get this economy growing faster," Obama said Monday. "That's our urgent mission."

The president is certain to call for extending a one-year payroll tax cut for workers and unemployment benefits that expire in January, at a combined cost of about $175 billion. He also has lent support to a proposal to create an "infrastructure bank," a fund that would be seeded by the government but fed by private investment to pay for major road, bridge and other public construction. Even advocates of the plan, however, say that proposal probably would not be in place to generate jobs for about two years.

Among other measures under consideration, but not yet decided:

? A major school construction initiative of up to $50 billion. Its advocates include Vice President Joe Biden's former chief economic adviser, Jared Bernstein, who monitored progress of the 2009 stimulus. Bernstein said school construction and renovation would be far more labor-intensive than some of the public projects paid for by the stimulus. "We kind of thought during the recovery act that we would see 50 hardhats and 10 machines, and it ended up being the other way around at some of these sites," he said.

? A payroll tax cut for employers, in addition to the one for workers. Persons familiar with the White House discussions say top aides prefer to target such cuts to employers who expand their payrolls, thus serving as an incentive to hire.

?Encouraging corporations to bring into the United States some of their foreign sources of income at preferential tax rates in exchange for job creation measures.

?Tying unemployment insurance payments to on-the-job training. Obama has applauded a program under way in Georgia in which jobless benefits go to employers who hire the unemployed as trainees.

Mark Zandi, the chief economist at Moody's Analytics who has advised Republicans and Democrats, said that without government action, the private sector would have to grow by more than 4 percent to generate enough jobs to keep unemployment from rising.

"That seems like a heavy lift at this juncture," he said.

Bernstein said that if Congress fails to renew the payroll tax cut and unemployment benefits, the jobless rate would probably remain unchanged by the end of next year.

"If they renew them, we have a better chance of a jobless rate that's 8.5 or below, which isn't great either, but is a whole lot better than 9," he said.

Obama's plan is likely to be found lacking on both ends of the political spectrum.

Republicans say Obama should focus on cutting taxes for corporations and reducing regulatory burdens, steps they say will free the private sector to spend and hire. Several have said they would oppose extending the one-year payroll tax cut enacted in December, even if that would be the equivalent of a tax increase on workers.

Conservative economist Kevin Hassett, whose thinking often influences Republicans, argues that short-term government spending to spur the economy can backfire in a slow recovery because the dose of stimulus can run out before a recovery takes hold. That creates an economic drag that can push the economy back into recession or forces yet more spending that drives up government debt.

Hassett says a better way is to reduce the costs of long-term benefit programs like Medicare and Social Security and use some of the savings to enact a permanent tax cut for corporations, thus spurring higher earnings.

Some liberal economists say Obama is hardly spending enough to make a difference.

"I don't think their rhetoric matches their actual budget policy," said Lawrence Mishel, president of the liberal Economic Policy Institute.

Mishel said the agreement struck at the beginning of August to increase the debt ceiling by $2.4 trillion in exchange for budget cuts limited the president's options.

"The debt deal doesn't allow any sizable amount of deficit spending or increased spending," he said. "If you 're going to pay for it later, how do you do that when you have a tight amount of debt that you can take on over the next year and a half?"

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2011-08-30-Obama-Jobs/id-2080eeb387da404a99752cebe19c865d

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Monday, August 29, 2011

Plumes and Pathogens: Human fascination with birds can jeopardize our health

[unable to retrieve full-text content]Right: A greater coucal trapped in rural Vietnam could be dinner for the hunter's family or could be sold into the country's bustling wild bird trade [Photo: Rachel Nuwer] The hunter is in luck. [More]

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Sanath Jayasuriya ? A Birthday Tribute

Sanath Jayasuriya will not be remembered as a legend of the game, but maybe it should be. It has (to name Glenn McGrath, Shane Warne and Brian Lara, to name just three), some significant retreats in recent years, but to earn the start bit to be held in Matara similar companies.

He is obviously still in One Day Internationals (has been through the test as early as last December with a half-century usually attack) greatly, so it's a little 'early career for a review. ThoughJayasuriya longevity (he made ??his international debut in 1989) deserves special recognition, as his career is not for times arc helped to start a new one in cricket is limited.

Few forget his impact at the World Cup 1996th Previously, a lower order batsman and useful left-arm spinner, has a devastating opening partnership with Romesh Kaluwitharana to play ODI cricket has revolutionized the way forged. Standard wisdom dictates the opener runs, should collect and maintainGates in the hand for a late attack, but the Sri Lankan batsmen little burned from the start, taking full advantage of the fielding restrictions were in force during the opening overs.

This tactic has become the model beat in ODIs, although no one could make the plan has done more than Jayasuriya. He is the second highest ever ODI Runscorer and in consideration of his 307 wickets, is perhaps the greatest all-rounder in the 50 plus size. Three of the fastest ever ODI tonscome from his bat and his 17 ball half century against Pakistan in 1996 is the 50th fastest ever No one has hit more sixes ODI.

Jayasuriya was able to transfer this form into the Test arena. And "the second highest Runscorer of Sri Lanka test-takers and the third highest wicket door. He was the seventh highest score ever test captain and was a great success for four years, maintaining the progress in Sri Lanka Arjuna Ranatunga made.

Source: http://sports-cricket.chailit.com/sanath-jayasuriya-a-birthday-tribute.html

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Source: http://www.home-improvement-grants.org/2221/mega-power-saver-high-efficiency-energy-saver/

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AP-GfK Poll: Obama faces trouble with key voters (AP)

WASHINGTON ? Whites and women are a re-election problem for President Barack Obama. Younger voters and liberals, too, but to a lesser extent.

All are important Democratic constituencies that helped him win the White House in 2008 and whose support he'll need to keep it next year.

An analysis of Associated Press-GfK polls, including the latest survey released last week, shows that Obama has lost ground among all those groups since he took office. The review points to his vulnerabilities and probable leading targets of his campaign as he seeks to assemble a coalition diverse enough to help him win re-election in tough economic times.

In his victory over Arizona Sen. John McCain, Obama cobbled together a base of support from across the political spectrum by wooing Democratic loyalists as well as independents and first-time voters.

This time, Obama's team is working to build voter outreach organizations and reconnect with supporters in hopes of expanding his pool of voters.

It's no easy task.

The nation's high unemployment is weighing on Obama, dragging down his marks for handling the economy. His overall standing has slid, too, after a difficult summer marked by contentious negotiations over the country's borrowing limit, a downgrade of the nation's credit rating and concerns about the U.S. falling into another economic recession.

The poll shows that 46 percent now approve of how he's doing his job, down from 52 percent in June.

Obama will have to win over people such as Brian Arnold, 33, of Pickerington, Ohio. He's an independent who voted for Obama in 2008 because he liked the Democrat's outsider image.

Now, Arnold says he's undecided and down on Obama. "He got elected, it was a big party and after that he went back to being a politician. As soon as he got in office, he just did more of the same."

The AP analysis looked at the viewpoints of all adults, not just those who plan to vote in 2012. In no way does it predict how Obama will fare with influential demographic groups next fall.

It does, however, indicate which groups will need extra attention in this campaign as he tries to persuade voters to stick with him for another four years.

Among the findings:

_White independent voters, who divided their support evenly between Obama and McCain in 2008, may be the president's biggest challenge now. Just 3 in 10 white independents say Obama deserves to be re-elected and only 41 percent say he understands the problems of people like them.

Obama didn't win the largest share of white voters in 2008, when they made up 74 percent of the electorate. Still, his inroads were enough to beat McCain.

Fifty-six percent of all whites approved of how he was doing his job in the first three months of his presidency. But that support has fallen, with only 36 percent now liking how he's doing his job, while 59 say Obama deserves to be voted out of office.

In 2008, Obama won the backing of most whites in the Northeast and was competitive in the Midwest and West, outperforming the previous two Democratic nominees. Now, majorities of whites in every region but the Northeast say he deserves to lose in 2012 and that he is not a strong leader.

The outlook is negative for Obama among white voters in the Midwest and West, regions where so many electoral votes are at stake.

More than 6 in 10 white voters who did not graduate say the president deserves to be voted from office, while 53 percent of white college graduates say as much.

_Women no longer are a bright spot for Obama.

At the 100-day mark of his presidency, they gave him significantly higher approval ratings than did men, 68 percent to 60 percent. That's since fallen dramatically.

In the latest AP-GfK survey, less than half of all women and less than half of all men approve of the job Obama is doing. Just 50 percent of women said Obama deserves re-election.

Still, women are more likely than men to see Obama as empathetic or a strong leader, and they give him sharply higher positive ratings on his handling of the economy. Forty-three3 percent of women approve, compared with 29 percent of men.

_Younger voters and liberals are showing doubts about him, too.

Obama won younger voters in 2008 by a bigger margin than Democrat Bill Clinton in his victories in 1992 and 1996. But younger Democrats are no more apt to say the president deserves re-election than are older Democrats. Twenty-seven percent of Democrats under age 45 say Obama is not a strong leader, compared with 11 percent in June.

While a majority of liberals continue to say they view Obama as a strong leader, the strength of those opinions dropped sharply this summer. The share of liberals who say "strong leader" describes Obama "very well" has fallen from 53 percent to 29 percent in the aftermath of the debt-ceiling debate.

"Sometimes he needs to put his foot down and not be the nice guy," said Democrat Kathleen Salak, 44, of Omaha, Neb.

The most recent AP-GfK poll was conducted Aug. 18-22 by GfK Roper Public Affairs and Corporate Communications. It involved landline and cellphone interviews with 1,000 adults nationwide and has a margin of sampling error of plus or minus 4.1 percentage points.

___

Associated Press writer Stacy Anderson and News Survey Specialist Dennis Junius contributed to this report.

Source: http://us.rd.yahoo.com/dailynews/rss/topstories/*http%3A//news.yahoo.com/s/ap/20110827/ap_on_el_ge/us_ap_poll_obama

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A Home Improvement Guide about Rose Flower Meanings

Roses are the classic gift provided on Sweetest Day, but they?re properly-received any time of year. The hue and form of rose does carry a meaning, however. Be mindful of what you?re giving: the coloration of a rose can have a very various which means from what you intend. If you?re providing roses as a present, adhere to this guidebook to make positive you send the message you want to send:

?

o White Roses: Pure white roses symbolize reality and innocence. They also send other messages like, ?I miss you,? and ?You?re divine? (or both, if your loved one particular is away.)

o Red Roses: Red roses say, ?I really like you.? Red roses are the greatest symbol of romantic enjoy and enduring passion. Florists can?t keep up with the Valentines Day desire for red roses, which makes them specially high-priced in February.

o Light Pink Roses: Light pink roses express a sense of enjoyable, joy, and whimsy.

o Deep Pink Roses: Deep pink roses say, ?Thank you.?

o Pale Pink Roses: Pale pink roses imply grace, gentleness, and joy.

o Lilac Roses: Lilac roses indicate the sender has enjoy at initial sight with the recipient and is enchanted. (To make confident the recipient doesn?t skip the message, an suitable card may well also be a good notion. The meaning of lilac roses isn?t as widely-known as the that means of red roses, for instance.)

o Coral Roses: Coral roses express a single factor through their passionate shade: Need.

o Peach Roses: Peach roses signify appreciation, gratitude, modesty, and also can convey sympathy.

o Orange Roses: Orange roses talk enthusiasm, desire, and fascination on the component of the sender.

o Yellow Roses: Yellow roses indicate friendship and flexibility ? so don?t deliver them if your intentions are romantic and prolonged-lasting. Yellow roses are also suitable for sending congratulations to newlyweds, graduates, and new moms.

o Dead Roses: Irrespective of the first color, dead roses say ?It?s over,? loud, obvious, and in a tacky and less than elegant way.

Combining Colours

Put two or more colors of roses with each other, and a new rose that means arises:

o White Roses + Yellow Roses: A symbol of harmony.

o Red Roses + Yellow Roses: A concept of joy and celebration.

o Red Roses + White Roses: An indication of bonding and harmony.

Other Rose Symbolism

These are acceptable approaches to convey a that means giving roses:

o 12 Roses: Gratitude. Any bouquet in complete bloom also implies the ?complete flowering? of the emotion currently being conveyed: a bouquet of red roses in full bloom implies the entire flowering of love.

o 24 Roses: Congratulations

o 48 Roses: Unconditional enjoy.

o Single Red Rose: ?I adore you,? (but I?m not heading to go broke telling you.) A single red rose in a bud vase is a great way to surprise and charm a loved one.

o Single Rose of Any Shade: ?Thank you,? (and I?m nevertheless not heading to go broke saying so.)

o Two Roses Entwined: An engagement or marriage is in the in close proximity to long run.

Source: http://pressurecleaningsydneyblog.com.au/a-home-improvement-guide-about-rose-flower-meanings/

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Police: Bomb explodes at outdoor mosque, kills 4 (AP)

KABUL, Afghanistan ? A bomb exploded Friday at an outdoor mosque in northwest Afghanistan, killing four worshippers, police said.

Fourteen other people praying at the mosque were wounded in the explosion in Almar district of Faryab province, said Lal Mohammad Ahmadzai, a spokesman for the Afghan National Police in northern Afghanistan. He said the bomb was planted on a motorbike parked in a yard of the mosque.

In the city of Herat in western Afghanistan, a bomb placed on a small cart exploded on Friday, killing an Afghan woman and wounding seven other civilians, said Sayad Agha Saqeb, police chief in Herat province. The bomb exploded about 500 meters from the entrance to the police headquarters, he said.

No one claimed responsibility for the blast, but insurgents have stepped up their attacks against government officials and others affiliated with the Afghan government and the U.S.-led coalition.

Separately, NATO reported Friday that a coalition service member was killed in an insurgent attack, raising to four the number of foreign troops killed in Afghanistan on Thursday. The U.S.-led coalition said the three other troopers were killed in two separate roadside bomb explosions.

The coalition did not disclose any other details about the deaths.

So far this year, 397 international troops have died in Afghanistan, including at least 295 Americans.

The coalition also said it was investigating reports that NATO caused civilian casualties in Baraki Barak district of Logar province, south of Kabul.

Source: http://us.rd.yahoo.com/dailynews/rss/asia/*http%3A//news.yahoo.com/s/ap/20110826/ap_on_re_as/as_afghanistan

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Sunday, August 28, 2011

Cops find 5 bodies in rural area near Mexico City (AP)

MEXICO CITY ? A phone call to a relative of a missing person led police to excavate a corn field in a farming town not far from the capital, and discover the decomposed bodies of five people, authorities said Sunday.

A man, who has not been identified, told the family of the disappeared person that 23 bodies were buried in a field at Almoloya de Juarez, a town about 60 miles from Mexico City, Mexico state attorney general's spokesman Alfredo Albiter said.

The excavation ended Sunday, and the forensics team found only five bodies, Albiter said. The bodies hadn't yet been identified and he didn't know if the body of the missing person was in the grave.

Mass graves have become an increasingly common discovery in Mexico's brutal drug war, which has claimed more than 35,000 lives since President Felipe Calderon launched an offensive against drug traffickers in late 2006. Others put the dead toll at 40,000.

Several Mexican regions have seen a surge in violence often related to the drug business.

In the Pacific resort city of Acapulco, police found the decapitated body of a 25-year-old woman in the trunk of a sedan parked outside a home Sunday, Guerrero state police said. The motive for the crime were not clear.

Elsewhere in Acapulco, three men were shot dead in two separate incidents and their bodies left in public view in residential neighborhoods.

Source: http://us.rd.yahoo.com/dailynews/rss/world/*http%3A//news.yahoo.com/s/ap/20110828/ap_on_re_la_am_ca/lt_drug_war_mexico

National Flood Insurance Program pays $2.3 million for $153000 ...


#1 Identity Theft Protection

Taxpayers Will Pay for This Over and Over

In?a?flood claim?case, the owner of a $153,000?Alabama home was paid $2.3 million in multiple recurring claims according to FEMA records.

FEMA records document many cases such as a $70,000 property?whose owners were?paid the aggregate of? $663,000 resulting from 34 seperate claims.

The office for Government Flood Insurance Program?(NFID) says that people collect millions of dollars as a result of recurring claims and it?s all legal.

Taxpayers should expect to pay the costs for those shacks on stilts along the Atlantic coast that will get washed away by Hurricane Irene?through National Flood Insurance Program, government subsidized coverage?that pays up to $350,000 for residential exterior and interior?losses and $500,000 for commercial claims.

National Flood Insurance can cost as little as $129 per year depending upon location in a flood area?according to FEMA and Floodsmart.gov.

The average full payout policy costs approximately $600 about 50% less expensive than?a private insurers cost to a consumer?for an average $250,000 home of 2,000 square feet in the U.S.

NFIP?is broke, insolvent?and about $18billion in debt and covered as much?in claims since Hurricane Katrina.

The program needs to borrow?more taxpayer?dollars authorized by the Congress as it continues to pay damages from flooding or mud slides? for the same property claims.

According to Floodsmart.gov, a 6 inch flood to a 2,000 square foot home could cost about $39,000 in repairs and damage vs a 4 foot flood which could cost approximately $75,000.

Flood Insurance is issued?through a network of approximately 90 subsidized private insurers who are waiting for?Congress to return from its recess and vote, shortly after Labor Day, to?soak the?taxpayers by adding more?tax dollars?to?another failing government sposored program, the NFIP.

Which states?have the most claims along the eastern seaboard? New Jersey and New York with?52,637 and that?s more than?Maine, Massachusetts, Delaware, Rhode Island, Maryland, DC?and?Connecticut combined with?16203.

Government records show?the entire east coast block of states?has filed more flood claims (68,840) than Florida, Georgia, South and North Carolina combined with 68,779 leaving any statitician to wonder if flood insurance claims are a cottage industry along the east coast given the general track of severe hurricanes across the south since 1978.

?If this were a private insurer, it would be bankrupt,? said Dr. Bob Hartwig, a president of the Insurance Information Institute.

The Government Flood Insurance Program covers about 5 million homes and businesses.

For more information, contact DisasterAssistance.gov at (800) 621-FEMA

***data available from editor@pronlinenews.com

___________________________________________________________________________

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Troops photograph every Arlington grave

Army Spc. Matthew Caruso, 24, of Poughkeepsie, N.Y., shows the Apple iPad and spreadsheet which is used to keep track of which headstones the Army Old Guard has photographed at Arlington National Cemetery as part of Task Force Christman to photograph and catalog more than 219,00 grave markers and the front of more than 43,000 sets of cremated remains at Arlington National Cemetery in Arlington, Va., Wednesday, Aug. 24, 2011. Night after night this summer, troops have left their immaculately pressed dress blues, white gloves and shiny black boots, photographing each and every grave with an iPhone. (AP Photo/Cliff Owen)

Army Spc. Matthew Caruso, 24, of Poughkeepsie, N.Y., shows the Apple iPad and spreadsheet which is used to keep track of which headstones the Army Old Guard has photographed at Arlington National Cemetery as part of Task Force Christman to photograph and catalog more than 219,00 grave markers and the front of more than 43,000 sets of cremated remains at Arlington National Cemetery in Arlington, Va., Wednesday, Aug. 24, 2011. Night after night this summer, troops have left their immaculately pressed dress blues, white gloves and shiny black boots, photographing each and every grave with an iPhone. (AP Photo/Cliff Owen)

Soldiers of the Army Old Guard Task Force Christman use Apple iPhone's to photograph and catalog more than 219,00 grave markers and the front of more than 43,000 sets of cremated remains at Arlington National Cemetery in Arlington, Va., Wednesday, Aug. 24, 2011. Night after night this summer, troops have left their immaculately pressed dress blues, white gloves and shiny black boots, photographing each and every grave with an iPhone. (AP Photo/Cliff Owen)

Soldiers from the Army Old Guard photograph headstones, in Section 15, as they take part in Task Force Christman to photograph and catalog more than 219,00 grave markers and the front of more than 43,000 sets of cremated remains at Arlington National Cemetery in Arlington, Va., Wednesday, Aug. 24, 2011. Night after night this summer, troops have left their immaculately pressed dress blues, white gloves and shiny black boots, photographing each and every grave with an iPhone. (AP Photo/Cliff Owen)

Soldiers of the Army Old Guard photograph headstones at Arlington National Cemetery in Arlington, Va, Wednesday, Aug. 24, 2011. The project is to photograph and catalog more than 219,00 grave markers and the front of more than 43,000 sets of cremated remains at Arlington National Cemetery in Arlington, Va., Wednesday, Aug. 24, 2011. Night after night this summer, troops have left their immaculately pressed dress blues, white gloves and shiny black boots, photographing each and every grave with an iPhone. (AP Photo/Cliff Owen)

Soldiers from the Army Old Guard photograph headstones in Section 15, of Arlington National Cemetery as part of Task Force Christman to photograph and catalog more than 219,00 grave markers and the front of more than 43,000 sets of cremated remains at Arlington National Cemetery in Arlington, Va., Wednesday, Aug. 24, 2011. Night after night this summer, troops have left their immaculately pressed dress blues, white gloves and shiny black boots, photographing each and every grave with an iPhone. (AP Photo/Cliff Owen)

(AP) ? Night after night this summer, troops from the Army's historic Old Guard have left their immaculately pressed dress blues, white gloves and shiny black boots at home to slip into Arlington National Cemetery in T-shirts and flip-flops to photograph each and every grave with an iPhone.

The sometimes eerie task to photograph more than 219,000 grave markers and the front of more than 43,000 sets of cremated remains in the columbarium is part of the Army's effort to account for every grave and to update and fully digitize the cemetery's maps. The Old Guard performs its work at night to escape the summer heat and to avoid interrupting funerals.

Last year a scandal over mismanagement at the nation's most hallowed burial ground revealed unmarked and mismarked graves. Congress then mandated that the cemetery account for the graves of the more than 330,000 people interred in the cemetery. Markers may bear more than one name, such as a service member and spouse.

The photos taken at night are matched with other records to find discrepancies that need to be fixed, and officials say it's too early in the process to draw any conclusions. Military officials hope they can eventually use the photos to create an online database for the public. Four million people annually visit the cemetery.

The Old Guard troops typically escort remains and fire three-volley salutes at military funerals. When taking photos, they have middle-of-the-night run-ins with rabbits, foxes and deer in the cemetery, which is situated on the estate where Confederate Gen. Robert E. Lee once lived. Using head lamps to light their way, they've tripped in shallow holes and brushed aside countless spider webs. They've paused at seeing freshly dug graves prepared for the next day's funerals.

One soldier, Spc. Raymond Piron, 22, of Detroit, says he was working one night in an old section of the cemetery when he felt something tap him on the shoulder. He turned around, but he was alone.

Before this summer, Spc. Craig Green, 21, of Dover, Del., a broad-shouldered, tough-looking Iraq war veteran, says that when it came to walking cemeteries at night, "you couldn't pay me to do it."

At least one of the soldiers, Sgt. Yvens Saintil, 26, of Philadelphia, who has done two tours in Iraq, says he has friends buried in the cemetery. He has taken time to find their graves and pay respects, even though his duties didn't include photographing their graves.

"At first I was kind of sad a little bit, but it's just part of the mission to continue your mission," Saintil says while standing in the columbarium shortly after sunrise on a recent morning.

The mission is called Task Force Christman, in honor of Pvt. William Henry Christman, an Easton, Pa., native and Civil War soldier who was the first soldier buried at Arlington. The troops executing it are from Delta Company of the 1st Battalion of the 3rd U.S. Infantry Regiment, known as the Old Guard ? the Army's official ceremonial unit, which provides escorts to the president and helps put on military funerals.

With an average of 27 funerals conducted daily at the cemetery, leaders from the Old Guard decided to slip about 60 troops in each night and send them home before the cemetery opened at 8 a.m. Initially, the men wore basic Army utility uniforms, but they later switched to comfortable civilian clothes after it was determined the photos were of better quality without the light reflected off the patches on their uniforms.

The troops have walked Section 60, where loved ones commonly leave whiskey bottles and children's art at the graves of those killed in Iraq and Afghanistan, and Section 27, where about 1,500 black soldiers from the Civil War were laid to rest. They've seen monuments small and large ? including one more than 14 feet tall marking President William Howard Taft's grave. They had to sit on each other's shoulders to get a good shot.

They've captured the grave marker of astronauts, combat nurses, Medal of Honor recipients and unnamed infants born to service members.

In the early hours on Wednesday, one of the last nights of their three-month mission, the troops were in Section 15, a relatively flat part of the cemetery where two sons of Confederate Lt. Gen. James Longstreet share a tombstone. They needed to re-shoot the photos in the section because the graves there had been numbered in a way that had made their earlier photos difficult to categorize.

Sometimes, the men worked in silence as one soldier shown a light on a grave while another squatted to photograph it. Other times they chatted about football, or debated the best flavor of Gatorade.

In June 2010, the Army's inspector general released a scathing report on mismanagement at the cemetery, which prompted the Army to immediately bring in new managers and instigate efforts to rectify the problems. Among other things, the IG said it found 117 gravesites marked as occupied on maps but without a headstone or a burial card. Ninety-four gravesites were marked on the maps as unoccupied, but each had a headstone and a burial card. Some gravesites were not reflected on the burial maps.

Criminal investigators have been looking into the burial of eight sets of cremated human remains in a single location, improper burial reservations and possible contract fraud. Just last week, the cemetery said that Army criminal investigators had identified a figure skater in a photograph found in the urn with the multiple remains, meaning it could confirm the identity of the remains and notify the family.

The troops say they take seriously their role in restoring order to the cemetery. They reported to cemetery managers any problems, such as a few graves with duplicative headstones, so the issues could be resolved.

"It's something that's important that needs to be done so that family members can come out here and understand where they need to go to find their loved ones," said Spc. Matthew Caruso, 24, of Staatsburg, N.Y. "It's a good feeling, but it can be pretty stressful and it's a lot of hard work and a lot of walking."

___

Kimberly Hefling can be reached at http://twitter.com/khefling

___

Online:

Arlington National Cemetery: http://www.arlingtoncemetery.mil/

Old Guard: http://www.army.mil/oldguard

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/89ae8247abe8493fae24405546e9a1aa/Article_2011-08-26-Arlington%20Cemetery/id-20f1ef2ff25b4a00b69cc6de18ed9737

Saturday, August 27, 2011

Colleyville Plumbing Coaching | Your Home and Garden

Plumbing coaching courses are best for all who want to commence a new job or even if you just want to brush up on your current expertise, they suit any person. But plumbing training course will call for dedication and the motivation to perform difficult and achieve the amounts required to turn into an industry regarded plumber. If you want to beneath go an intensive couple of weeks currently being taught every little thing to know about plumbing then a plumbing training training course is the very best selection to go for. This is the reality that plumbing training programs are the quickest way for you to understand to turn into a specialist plumber.

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If you are interested for the plumbing training at the trade institute which is too costly and almost certainly not value having to pay that a lot cash to show up at, you really should reconsider it.

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Very first of all confirm by trying to keep in head about these specifics that they may be plumbers who are either in the center of their teaching or have completed their instruction and are operating for other plumbing organizations or companies which are connected to plumbing. Plumbers are usually spending overhead charges of the organization and there are normally people doing work below them, so it is not as fantastic as it seems.

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There is coaching in several components of the world that are providing up their very own professions and are signing in for plumbing training programs. Plumbing occupation is becoming a worthwhile in many countries, and therefore, this is an incidence, which can be observed in many components of the planet. The possible explanation for this phenomenon may be the shortage of plumbers in the world, as the desire for plumbers is constantly a lot more than the supply.

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Plumbing is not a basic career, which everyone can deal with even even though the cash can be wonderful. You ought to be in a position to offer with a great deal of stuff and it is surely not a glamorous work. In this career plumbers have to generally offer with human excrement simply because they have to distinct clogged pipes and toilets.

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As there are a lot of individuals wanting to educate as plumbers, plumbing instruction institute are getting set up in thousands in purchase to dollars in on the phenomenon. Plumbers who have been operating in this trade for a lot of decades are now teaching new plumbing students by way of intensive plumbing coaching courses so that the pupils will shortly be able to make use of themselves and generate very good money.

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A lot of kinds of plumbing coaching programs are offered. Right here are the intensive plumbing programs, which are shorter, and some are prolonged programs, which are suited for those pupils who want to find out at a constant speed and do not want to be rushed into finding out plumbing capabilities in a fast-paced program. Right after finishing the teaching, you will get the exact same qualifications at the conclude of the program only it will be simpler than and not as taxing as the intensive training course. If you want training as a plumber, you really should get enrolled in a plumbing training training course now so that you can enter in the trade very soon.

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Needing Colleyville Plumbing for your home improvement task? Perhaps you have sprung a leak both at home and work? We deliver you a qualified licensed technicians which can deal with all types of industrial and residential plumbing problems.

Source: http://yourhomengarden.com/archives/315

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When Is It Time To Call In The Pro's? - Small Business Branding

By Ed Roach On August 24, 2011 Under Branding, Business

I?m in the process of expanding my services and part of that involves extending the range of my WI-FI. If you?ve even looked into bridging you might agree that it?s a daunting topic. I understand the premise behind it, but when they get into set-up that?s where my eyes cloud over. FYI: I am miserable with wiring. Setting up a stereo confuses me very easily. In ? out, out ? in ? yikes!

Well today I called in the big guns. I figure that yes I could figure it out myself (muddle through if you will), but frankly I?ve wasted enough hours on this one. I have better things to do with my time. Maybe is just a guy-thing, but every issue I tackle, I figure that I should be able to figure it out. Years ago I even tried to learn basic because I thought, ?how hard could programming be.? Well that never happened. Today I am very impressed with those who make programming their passion.

What are you wasting your good time on that, like me, you should be getting help with? Designing your own website maybe? Or, perhaps you?re doing your own books. Maybe you?re looking to save a few bucks and learning how to file your own tax return. Get real for a moment, how much do you really know about tax laws? I know nothing about them and I don?t want to know. As a matter of fact having professionals handle my money issues makes me more money because of their unique knowledge.

If I can, through this little article save one entrepreneur from tearing their hair out trying to figure out something they have no business trying to figure out, then boys and girls I?ve done my job.

Now put down that ego and get back to what you love!

Author: Ed Roach (156 Articles)

For 25 years or so I have developed positioning strategies for small businesses that helps to differentiate them. I appreciate working with companies who see the value of going beyond mere slogans and have a desire to sell from compelling positions. Opportunities come to light in every discussion. I consult predominantly with small business and and implement the solutions developed. I've had the pleasure of developing the brand of the Dar Rapid Transit Authority in Dar es Salaam in Tanzania. A four week project. I am available for speaking engagements and I have authored "The Reluctant Salesperson", an Introvert's Guide to Selling. Contact me if you are looking for practical advice on bringing your corporate brand to the next level. I also have international speaking experience including a recent event in Prague, Czech Republic. I am currently working on a branding conference in Mumbai, India for next year. I can be contacted directly at: 519-324-9536 or ed@thebrandingexperts.ca Blog: TheBrandCorral.com

Source: http://www.smallbusinessbranding.com/3806/when-is-it-time-to-call-in-the-pros/

Natural Cosmetics - Beauty, Health and Fitness

Nowadays, everybody has become extra conscious about his physical look. Demand of natural cosmetic products is growing fast all over the world. As the demand of these products is increasing, new manufacturers and suppliers are also registering their presence in the market. Since last few decades, tendency of using all 100% natural cosmetics has increased tremendously among the skin conscious and fashion conscious people. Herbal face pack and cream are more sought 100% herbal cosmetics after the hair shampoo.

Historical records state that our ancient civilizations too used natural products as regular cosmetics. These are skin friendly. These cosmetic products are made of time tested ingredients. Thus, these deliver zero side effects even if used for longer period. Herbal beauty products supply essentials to skin. Herbal cosmetics are made from the extracts of use eaves, extracted oil, bark, roots, fruit pulps, mud, honey, milk, mineral products, cream, eggs and yoghurt etc. Turmeric and saffron like condiments and spices are found in herbal fairness cream and face pack like ban a tan cream. Most of the users seem satisfied with the results. Since last few decades, tendency of using all 100% natural cosmetics has increased tremendously among the skin conscious and fashion conscious people. Natural cosmetics like ban a tan cream enhance the amount of skin essentials besides protecting the skin from harm causes factors like sun, dust, high temperature and winds etc.

Face is the major focus area for every fashion enthusiasts. Our body produces keratin, collagen, and hyaluronic acid etc. Such self producing acids are essential to have glowing skin. The production of these essentials reduces with the increasing age. We start witnessing patchy, black spotted, sun tanning, wrinkled and aged skin. Natural cosmetics like ban a tan cream enhance the amount of skin essentials besides protecting the skin from harming factors like sun, dust, high temperature and winds etc.

Whatsoever option we chose, stores have variety in stock. It is must to optimize the search step by step for the desired cosmetics. Otherwise, we may lend in confusion state. Every option has its own characteristics. Natural cosmetics are popular because these are safe for everyone while many people say that these deliver results later. Brand and quality of products make considerable difference. Never compromise with brand value; though you will have to pay for it but do not kind to pay little extra.

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Source: http://www.akcesoria-kosmetyczne.pl/cosmetics/natural-cosmetics-making-the-fashion-skin-friendly/

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Discover Woodworking Plans That Match Your Skill Level ? SEO ...

If you are a woodworker in require of Do-It-Yourself Woodworking Plans, you?ve come to the proper spot. They may be offered with the finish of this post. You?ll be able to read on or just scroll down towards the hyperlinks now.In case you are taking up woodworking as a hobby, I encourage you. Woodworking is a superb hobby. Not simply is it enjoyable, nevertheless it results in functional and decorative items that you just, your family members and your close friends can use all around the house, and it could grow to be a profitable enterprise.

In the event you have plans to generate your personal woodworking projects at house, the net can be a wonderful location to seek out various sorts of woodworking plans. You are going to be capable of find good plans for creating an array of projects, from little coffee tables to really building your personal boat or placing in a deck inside your backyard. No matter what the project you would like to construct, you are going to have the ability to discover a wide selection of types for just about each skill level.

f you?re going to build your very own custom bed, then you could have to search out or create a bed woodworking plans. As an alternative of constructing a bed from scratch, you may interested in modifying the one you presently have. Chances are although that you just will need to develop a new one, and effectively completing such a project demands great planning.

Woodworking is really a common profession around the globe. It?s the art that focuses on constructing or generating distinct helpful points by using wood and some development materials. These points can be an ordinary bench to sit or may be complicated furnishings for houses.Woodworking is an pleasant activity and also a severe enterprise that needs precision, patience, as well as a great deal of attention.

I?m a little of a woodworking enthusiast, but I am nevertheless a beginner. The successful outcome of my woodworking projects depends heavily upon my locating the most effective simple woodworking plans. Discovering step by step woodworking projects that suit my potential might be hard, but I?ve created some observations about searching for plans that might be of use to other people.

The apparent first choice for discovering carpentry project plans may be the Internet. And, indeed you will find a huge selection of thousands of plans available. The difficulty is in sorting by means of them to find precisely what you may need. And whilst search engines will help, they can?t always precisely indicate how clear the directions are, regardless of whether or not you will find diagrams, or how comprehensive the steps are. That doesn?t imply you must discard the internet as a resource, nonetheless.

Uncover excellent resources, like carpentry and woodworking websites that happen to be nicely established and have databases of plans that may be easily filtered. This can be the simplest strategy to locate a sizable range woodworking plans for bedroom furnishings or any other carpentry project you may require, totally free of charge. Even so, there nevertheless may be an excellent deal of research necessary to find precisely the program you need in this way, as numerous of the plans obtainable may have been contributed by other amateurs. They may be lacking certain guidelines or diagrams nonetheless, for instance.

Woodworking may be an incredibly satisfying and helpful hobby. Not only will you?ve got entertaining developing new issues and bettering your expertise, but you will also be capable of make gorgeous and valuable projects to your residence that can outshine just about anything at all you could acquire currently created.

If you are considering woodworking plans or table woodworking plans then check out woodworking plans for a lot more details about woodworking.

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Source: http://www.maxref.com/discover-woodworking-plans-that-match-your-skill-level

Friday, August 26, 2011

Buying Fannie Mae REO without Certificate of Occupancy

by Debra
(Oakland, CA, USA)

Ask Kate about Buying Fannie Mae REO without a Certificate of Occupancy: Hi Kate, I am under contract to purchase a Fannie Mae REO house in Cobb County, Georgia with a Homepath loan.


Debra continues... I found out today that the house did not pass its final building inspection back in October 2003 (the electrical, heating and plumbing inspections did pass), and doesn't have a Certificate of Occupancy.

The building permit is no longer on the County's system, and they cannot tell me why it failed the final inspection. In order to get the CO, the building permit needs to be re-pulled and the inspection performed again.

My main problem is that the purchase contract says I am responsible to pay for getting the Certificate of Occupancy. Even if Fannie Mae does agree to get the CO, I am sure the associated costs will be added to my part of the closing costs.

This would not bother me so much except Fannie Mae gets to choose the contractor and does not warranty the work.

Is there a way that I can get the CO after closing, or does it have to be obtained before closing?

Kate Answers: Buying Fannie Mae REO without Certificate of Occupancy

Dear Deborah,

So, Fannie Mae purchased a loan in 2003 on residential construction that never received the required document certifying the house was suitable for occupancy, according to local building codes.

I assume the house is an awesome deal for you to be willing to pay for associated work and permits to obtain the CO. Especially since the process will be under the control of FNMA who will not warrant the work.

Limiting Your Liability

One thought before I go any further. Have you ordered your home inspection yet? For a few hundred dollars, a licensed home inspector may be able to point out why the Certificate of Occupancy was never issued. AND save you from buying a money pit!

Timing the Certificate of Occupancy

Requirements for Certificate of Occupancies vary among local jurisdictions. I lived in one county where they were known as the Certificate of Occupancy while the neighboring county referred to them as the Final Permit.

Regardless of what they were called, I rarely saw new construction close without the CO. But it is not unheard of.

I witnessed it once when the housing development did not have potable water. I scratched my head that homeowners were willing to close their transactions without drinking water piped into their dream homes.

But I followed the saga afterward and the lender finally did cure the problem and the county issued the certificate of occupancy.

So while I can't say I never saw a mortgage lender close without the CO, I would say it was rare. Be sure to discuss this with your lender to eliminate surprise.

If a home inspector is able to report the issue, it would certainly be easier to get a feel from the lender, whether or not they'd be willing to close without the CO.

Buying a Fannie Mae REO with Cash

Or perhaps you are not getting a mortgage. If you are using all cash to buy the house, then you are not dependent upon a lender's restriction. If this is the case, I would call the Title Company to ask if they require the Certificate of Occupancy to close the transaction.

It's worth saying it again, though. Even if the Title Company is willing to close without the CO, it would be in your best interest to know the issue upfront by getting a licensed home inspection.

Comment and Link To This Page

Debra, is this information helpful? I'd like to hear back from you.

You (or anyone else reading this) can comment on Buying Fannie Mae REO without a Certificate of Occupancy. Or Ask Kate another question.

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Earliest ancestor of most mammals found

The earliest ancestor of most of today?s mammals has been discovered in northeast China, according to a paper in the latest issue of the journal Nature.

Named Juramaia sinensis, which means the "Jurassic mother from China," the small, shrew-like animal spent some of its time in trees while dinosaurs thrived on land.

"Because it lived 160 million years ago, and nobody was there to sign the birth certificate of its descendants, Juramaia could be our great grandmother 160 million years removed or it could also be our great grand aunt that represents a relative on the side lines," lead author Zhe-Xi Luo told Discovery News.

Luo, a Carnegie Museum of Natural History paleontologist, and his colleagues Chong-Xi Yuan, Qing-Jin Meng and Qiang Ji analyzed the well-preserved remains of the prehistoric animal, which was discovered in Liaoning Province.

The fossils include an incomplete skull, part of the skeleton and even impressions of residual soft tissues, such as hair. Most importantly, they also include Juramaia?s complete set of teeth as well as its forepaw bones. These features led the paleontologists to conclude that the animal was closer to living placentals on the mammalian family tree than to pouched marsupials, such as kangaroos.

The placenta is a flattened circular organ in the uterus of pregnant eutherian (i.e. placental) mammals that nourishes and maintains the fetus through the umbilical cord.

"Marsupials, by contrast, make up for the short development of fetuses in the mother by having a longer pouch life before the fetuses become independent," Luo said. "Marsupials just optioned for a different reproductive strategy."

Before Juramaia?s discovery, the oldest known eutherian was Eomaia that lived 125 million years ago. DNA evidence has suggested the last common ancestor to eutherians and marsupials lived around 160 million years ago.

Its front limbs were adapted to grasp and scurry up trees, an ability that must have come in handy when so many large ground animals were stomping around below and looking for dinner. Juramaia weighed under a pound, according to the researchers. Its teeth were sharp and built for eating insects.

"So I imagine this animal to be a shrew-sized insectivorous mammal that hunted insects and was capable of being active in the trees," Luo said.

Robert Asher, a lecturer and curator at the University of Cambridge?s Museum of Zoology, told Discovery News that Luo and his team "have made a compelling case based on a good analysis," but he added that "it is very difficult at this point in the mammalian tree to identify early members of what are now extremely diverse groups."

Asher therefore said, "One possible alternative interpretation is that Juramaia represents an animal close to the common ancestor of marsupials and placentals, but one that is neither eutherian or metatherian (the stem group of marsupials). That would leave the previous eutherian record and calibration date of 125 million years ago intact."

Gregory Wilson, an assistant professor in the University of Washington?s Department of Biology, fully supports the new paper?s conclusions.

"This new specimen is a real jewel among the spectacular treasure chest of the Chinese fossil record," Wilson said. "The exquisitely preserved anatomical details leave little doubt that we?re looking at the earliest eutherian yet known," he continued, explaining that it was "not quite a placental yet but on the line to placentals."

Wilson concluded, "This significantly pulls several major branches of the mammalian phylogenetic tree even farther back into the Age of Dinosaurs, providing better understanding of the context of mammalian evolution. This work will grip the attention of paleontologists, molecular systematists, and anyone interested in their ancient forebears."

Juramaia is presently stored at the Beijing Museum of Natural History.

? 2011 Discovery Channel

Source: http://www.msnbc.msn.com/id/44259687/ns/technology_and_science-science/

Does getting a sunburn increase my chance of getting skin cancer ...

Does acquiring a sunburn increase my opportunity of obtaining skin cancer as opposed to finding a tan?I know that all UV exposure is negative for the skin, but I was pondering if uses up are even worse as far as cancer probability goes?
Sure, I believe so. I burned the other day and started peeling and my grandmother informed me, ?You need to wear sunscreen! You can get skin cancer from peeling. It?s not good for you!? HIH!You in fact will not get pores and skin cancer from peeling, you get skin cancer from the tan by itself. The odds of the pores and skin cancer appearing is dependant on how undesirable your skin is damaged, and how a lot skin desires to be repaired. To get a tan, your body generates melanin to protect itself from the unsafe UV rays that you are exposing it to. You are forcing your body to generate mass quantities of melanin, which boosts the possibility of mutated cells getting designed, ergo, cancerous cells.

Source: http://www.fbskindisorders.info/skin-disorders/does-getting-a-sunburn-increase-my-chance-of-getting-skin-cancer-versus-getting-a-tan.html

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