Minggu, 06 September 2009

South Africans Support Caster Semenya

The new women’s 800 metres world champion has received an enthusiastic welcome in her native South Africa. Eighteen-year-old Caster Semenya was greeted by thousands of cheering fans and well-wishers at Johannesburg airport. She hit the headlines last week after officials at the World Athletics Championships questioned her gender. She finished the race a massive 2.45 seconds ahead of the runner-up and defending champion. The BBC reports that athletics authorities tested Ms Semenya hours before the final. The results showed testosterone levels three times higher than those that are usual in females. Officials decided to test her because her personal best time improved by seven seconds in the month before the race.

South Africans are furious at the way the athletics body has treated Ms Semenya. President Jacob Zuma personally welcomed her at the airport. He publicly congratulated her and spoke of his “displeasure” at the International Amateur Athletics Federation for “publicly humiliating” her. Nelson Mandela’s ex-wife Winnie told a press conference: "We are here to tell the whole world how proud we are of our little girl." There is now a Facebook group called In Support of Caster Semenya and African Women. It started "to show support for the running sensation who has received unfair treatment". The president of Athletics South Africa said Caster’s gender was a non-issue, saying: “It's very simple: She's a girl.”

www.breakingnewsenglish.com

Australia May Need Extra Seasons

An Australian scientist says his country needs an extra couple of seasons. And he isn’t joking. Dr. Tim Entwisle, boss of Sydney's Royal Botanic Gardens, told Australia’s ABC News that Australians should stop thinking there are four seasons. He said this idea was “inherited” from Britain centuries ago. Dr. Entwisle said Australia really has at least five or six seasons. The country has many different regions and weather conditions. The far north is tropical and the south gets snow. In between there are deserts and mountains. Entwisle suggested some names for the new seasons. He proposed "sprummer" is the season between spring and summer, and "sprinter" covers the post-winter, early-spring period.

There is actually a lot of sense in Entwisle’s proposal. Aboriginal Australians have up to eight seasons. They have lived on the land for thousands of years and are experts in understanding local conditions. By contrast, non-indigenous people living in the north of Australia say there is just a dry and wet season. Some northerners say there is an extra "mango madness" season when it gets really humid. Dr. Entwisle believes different regions would need a different number of seasons, saying: "Five or six seasons would better reflect what we experience. If we're going to detect changes due to climate change, it's important that we get our seasons a little more in tune with the environment." He didn’t say whether there would be a silly season.

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Europe Celebrates 1989 ‘Freedom Picnic’

Europeans have remembered a picnic that changed the course of history. The ‘Pan-European Picnic’, was held on the Austrian-Hungarian border on 19 August 1989. It was a peace demonstration that led to the fall of the Berlin Wall and the Iron Curtain. Twenty years later, European leaders met at the same place to celebrate the famous, historical event. Hungarian President Laszelo Solyom and German Chancellor Angela Merkel were among those who took part in the festivities. It was a special moment for Merkel as she was born and spent her youth in communist East Germany. The picnic two decades ago was the first in a series of events that led to the reunification of Germany and freedom for millions.

The event took place on the same field in the Hungarian town of Sopron. Angela Merkel said: "My trip…is a thank you to Hungary and to the people who live there.” She added her thanks to the organizers of the original freedom picnic, “who showed courage and foresight and who helped speed up the process of democratization in Central and Eastern Europe". European Commission President Jose Manuel Barroso said the event 20 years ago "helped to change the course of European history….It led to a brief opening of the Iron Curtain and contributed to its final fall.” That day twenty years ago also helped to increase the pace of globalization. Without it, Russia and China might still be closed.

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Facial Expressions Are Not Universal

The reading of facial expressions may not be universal. This is the conclusion of researchers from Glasgow University in Scotland. They report that people from different cultures read facial expressions differently. In particular, they said there were big differences between the way Westerners and East Asians interpret facial expressions. The study suggests East Asians focus mostly on people’s eyes to read an emotion, but Europeans and Americans scan the whole face. Researcher Rachael Jack said: ''We show that Easterners and Westerners look at different face features to read facial expressions.'' She added: "Westerners look at the eyes and the mouth in equal measure, whereas Easterners favour the eyes and neglect the mouth."

Ms. Jack suggested there are similarities in interpreting facial expressions and the use of emoticons. She said East Asians use the eyes in emoticons to show emotion, for example ^_^ means happy and ;_; is sad. Westerners, however, use the mouth. For example :) is for happy and :( is for sad. She added: “Interestingly, there are clear cultural differences in the formations of these icons. Emoticons are used to convey different emotions in cyberspace as they are the iconic representation of facial expressions.” The researchers said their findings showed intercultural communication is more complicated than we thought. They said: "When it comes to communicating emotions across cultures, Easterners and Westerners will find themselves lost in translation."

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Alcoholism – Russia’s "National Disaster"

Russian president Dmitry Medvedev has said alcoholism is a ‘national disaster’ in his country. He spoke of his shock at how much Russians drank each year. In particular, he said Russian people drank too much vodka, which is the nation’s most popular alcoholic beverage. Mr. Medvedev quoted a recent report that showed the average Russian drank 18 litres of pure alcohol each year. That means around 350 litres of beer or about 45 litres of vodka. That's almost a litre of vodka a week. The president said: “When you convert that into vodka bottles, it is simply mind-boggling.” He said measures aimed at reducing the levels of drinking have not worked. "This is a centuries-old problem and one cannot hope to solve it overnight," Medvedev said.

Doctors in Russia believe alcohol causes around half of all deaths of Russians between the ages of 15 and 54. An equally frightening statistic is that only 40 per cent of Russian school leavers are likely to live to the age of 60. This will have a huge impact on Russia’s economy. The country has one of the highest rates of alcohol-related diseases in the world. Health Minister Tatyana Golikova said: "We are the absolute leader in terms of alcohol consumption." One problem Russia has is bootlegging – making and selling vodka illegally to avoid paying taxes. Quite often the alcohol content in bootleg vodka is much higher than that in commercially produced liquor. Officials say up to 50 per cent of Russia's vodka market is illegal.

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China Bride Wears 2km-Long Wedding Dress

A Chinese bride has set a new world record for wearing the longest wedding dress. Lin Rong, a 25-year-old schoolteacher, walked down the aisle wearing the record-breaking 2.2km gown at her wedding in China’s Jilin province. It took the 200 wedding guests more than three hours to stretch out the 2,162-meter-long train. The special dress was handmade by her groom's family. Lin’s new husband Zhao Peng said he wanted to show how much he loved her but didn’t want to spend money on a gorgeous wedding banquet. He also wanted to break the previous record of 1,579 metres, set in Romania in April 2009. The record is not yet official. Zhao has sent a video and details of the dress to Guinness World Records in London.

The dress was an impressive sight. It took three months to create. There were 9,999 silk red roses pinned to the two kilometres of material. An additional decoration took the form of 608 crystals sewn into the garment, one for each day the couple had dated. Mr. Zhao added another personal touch to the dress by cutting the length down to 1,984.1022 meters. This number represents his bride's date of birth – October the 22nd, 1984. The dress cost 40,000 yuan (around $US 5,800) to make. At first, his family were against the idea but soon changed their minds. His mother said it was a waste of money, but understood that her son wanted to show his love for his bride on his big day.

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Scientists Find A Reason For Itching

Scientists in the USA have found a type of nerve cell may be the reason we itch. The team from Washington University suggested itchiness was from specific cells. They also believe itching is not a minor form of pain. For decades, many in the medical community have put itching in the pain category. The researchers said they think itching is a completely different and unique sensation. Their decades-long research was on mice. It focused on how the brain reacted to itching and pain. They discovered an “itch gene”, called GRPR. The mice were injected with a chemical to kill this gene. The rodents were still able to feel pain, suggesting the two feelings are different.

The new research has great potential for cures and treatments of itches and itching-related diseases. There are over 50 illnesses in which itching leads to a poor quality of life. In some cases, the itching can be unbearable for the sufferer. Severe itching can lead to excessive scratching, which results in bleeding and infection. Lead researcher Dr. Zhou Feng Chen said: "This finding has very important therapeutic implications. We have shown that particular neurons are critical for the itching sensation but not for pain….[These] can be explored or identified as targets for future treatment or management of chronic itching." He said cures for humans are still many years away.

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'Sexting' Craze Increasing Among Children

A British anti-bullying group has issued a report on the new problem of ‘sexting’ among teenagers. ‘Sexting’ is the sending of naked photos via text and e-mail. The word is a combination of ‘sex’ and 'texting’. BeatBullying.com’s research reveals that over a third (38%) of under-18s have received a ‘sext’, a text with an image of someone naked. The pictures young boys and girls are sending each other would be viewed as pornographic by most people. Many of the photos are breaking child pornography laws. Emma–Jane Cross, head of BeatBullying, said: “It is important that parents and schools are aware that sexting is a significant issue amongst our children…so together we can act to stop this kind of behaviour.”

BeatBullying says sexting is increasing at an alarming rate. More and more young people are using it to bully others online. This often leads to tragedy. Many teenagers have committed suicide after bullies spread their private photos online. One case that made Americans aware of the problem was that of eighteen-year-old Jessica Logan. She sent a nude photo of herself to her boyfriend. After she broke up with him, he sent the picture to hundreds of teenagers in her hometown. Jessica’s friends said she felt like “she was being attacked and tortured”. Jessica ended her own life because of the pain she felt. BeatBullying says sexting “is one of the biggest threats facing our young people today online”.

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Taiwan Bans Find-A-Foreign-Bride Firms

Taiwan is getting tough on mail order brides. Starting from August 1, 2009, there is a ban on companies that arrange international marriages. Taiwan’s Immigration Agency says it wants to stamp out the practice of Taiwanese men choosing Chinese or South-East Asian brides online. Companies can no longer take Taiwanese men on blind-date tours of Asian countries to select a bride. All Taiwanese men hoping to marry a foreign woman must now apply to an approved government agency. These organizations cannot charge a matchmaking fee. The only money that can now change hands is for airfares and hotels for overseas visits. Companies that attempt to charge for arranging marriages will be fined up to $US 30,000.

The new regulations are part of Taiwan’s new Immigration Act. The island nation wants to reduce the number of fraudulent marriages. The previous laws meant many women entered the country after marrying Taiwanese men, only to work as prostitutes. There were many other crimes such as insurance scams. The number of foreign brides arriving in Taiwan has increased dramatically. Immigration officials report that around 420,000 foreign spouses, mainly brides, entered Taiwan in the first half of 2009. This figure compares with 410,000 for the whole of 2008. Taiwan’s men are finding it hard to find a Taiwanese bride. Many women are putting their career ahead of marriage, marrying at a later age, or not marrying at all.

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California Abduction: Mystery Deepens

The California couple who were arrested for abducting an 11-year-old girl are denying the charges. Phillip Garrido and his wife Nancy have denied kidnapping Jaycee Lee Dugard in 1991 and keeping her captive for 18 years. Police charged Mr Garrido with a series of terrible crimes, including rape, kidnapping a child under 14, and imprisonment by violence. Jaycee Lee Dugard, now 29, escaped from the Garrido family home and went to a local police station. She has been re-united with her parents. Her stepfather Carl Probyn said Jaycee had very mixed emotions about her sudden freedom. He said she "expressed some regret, like guilt, when she saw her mother, that she hadn't escaped earlier".ABC.

Jaycee Lee Dugard was on her way to school back in 1991 when Phillip Garrido bundled her into his car. Carl Probyn saw the incident and tried to chase the vehicle on his bicycle, but could not keep up with it. Probyn was a suspect in the case for many years. Jaycee was kept in a series of tents in a compound in the Garridos’ back garden. Mr and Mrs Garrido abused her over many years and she had two children. She gave birth to the first child when she was just fourteen. Phillip Garrido was a convicted rapist. In 1977 he was sentenced to prison for 50 years, but nine years later he was released. In a telephone conversation to a local radio station, Garrido told a reporter, “you're going to find the most powerful, heart-warming story”.

Coldplay To Appear On The Simpsons

Hollywood insiders say a star is not really a star until he, she or they have appeared on ‘The Simpsons’. The latest act to reach these greater heights is the British rock band Coldplay. The UK rockers follow a long list of artists to appear in the long-running animation. Previous musicians include Michael Jackson, U2 and the Red Hot Chili Peppers. The cartoon versions of Coldplay will feature in the 21st season of The Simpsons, which starts on the 27th of September. The band give a private concert at the Simpson’s house after Homer and Bart win millions of dollars in the lottery. The latest report on the storyline is that the band has to stop playing when Bart answers a call of nature, and goes to the bathroom.

The members of Coldplay are big fans of ‘The Simpsons’. They are looking forward to seeing themselves as yellow-faced cartoon characters in the upcoming episode. They will record the voiceovers for the show and provide the music. The band is currently ending its latest tour of North America. They will soon return to Europe to complete their ‘Viva La Vida’ world tour. The album of the same name has turned multi-platinum and has won many awards. The new season of ‘The Simpsons’ sees the TV show enter the record books. The Guinness Book of World Records reports the hugely popular cartoon is the longest-running sitcom in the world. It has a back catalogue of over 450 shows and doesn’t look like it’ll stop any time soon.

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Justin Timberlake Opens Own Golf Course

Pop superstar Justin Timberlake has just opened his own golf course. He bought it at the end of 2007 in his hometown of Memphis, Tennessee. It was about to go up for auction and Timberlake wanted to save it from property developers. He has called it Mirimichi, which means ‘place of happy retreat’. Timberlake invested in the new course to make it more environmentally friendly. The 18-hole, par-72 course has a cutting-edge drainage system. This means it uses water more efficiently. There are also many restored areas of natural beauty, including waterfalls, lakes and streams. Timberlake said: "I was able to pose the question, is it possible for a golf course to actually be green, and I'm sure you all know I mean, eco-friendly.”

The new course is now open to the public. Timberlake bought it because he loves golf and because he wanted to help his local community. He has already hosted his own PGA Tour tournament and regularly plays with professional golfers. His new course will bring in tourists from all over the world and help the local economy. Timberlake said: "Its amazing to do something to give back to your community, a place you grew up.” He commented on why Mirimichi has a special place in his heart. “Right over there on the tenth tee is where I hit my first golf ball ever," he said. The singer has other business ventures besides golf. He has opened restaurants and has his own clothing brand.

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Parents Face Fines In New School Rules

British parents could soon face a fine and prison if their children misbehave at school. Britain’s government wants to introduce tough new laws to improve discipline in schools. They want to make parents more responsible for their sons and daughters. Some of the new measures include making parents attend parenting courses, paying a $1,700 fine or going to prison. The Schools Secretary Ed Balls said current policies on unruly behaviour are not strict enough. Many British schools suffer from high levels of bullying, truancy and low academic achievement. He wants parents to play their part in making sure their children achieve. "Every parent has a responsibility to back our teachers and make sure the rules are [followed]," he said.

The measures are part of a new focus on the relationship between schools and parents. Mr. Balls also has plans to help parents and students. He proposes to give pupils private tutors if they are doing badly in reading and maths. He also wants doctors, health workers and social workers in schools to provide better community services. Under Mr. Balls’ plans, parents will have a bigger voice in how schools operate. They will complete satisfaction surveys on how their children’s school performs. Critics say the plans are unlikely to be popular with parents. There are also fears about poorer parents not having enough money to pay the fines and whether they should go to prison for their children’s actions.
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Israel And Hamas Reject Amnesty Report

Israel and Hamas have rejected an Amnesty International report into the 22-day Gaza conflict that started on December 27, 2008. The 117-page document accuses both sides of war crimes. Amnesty says: "The scale and intensity of the attacks on Gaza were unprecedented." The report observes that: "Some 300 children and hundreds of other unarmed civilians who took no part in the conflict were among the 1,400 Palestinians killed by Israeli forces." Other accusations include Israel’s use of weapons that should never be used in built-up areas like Gaza. Amnesty accused Hamas of killing three Israelis in rocket attacks during the conflict. Israel invaded Gaza to stop Hamas firing rockets on Israeli towns.

Israeli officials believe Amnesty International is naturally biased towards Hamas. A military spokesman said the report clearly showed the human rights group siding with Hamas, and called it “unbalanced”. He said it was “a distorted view of the laws of war that does not comply with the rules implemented by democratic states battling terror." Israel insisted it did “everything humanly possible” to reduce the risk of civilian casualties. Officials accused Hamas of committing war crimes, saying they used children as human shields. A Hamas spokesman told reporters: "Hamas rejects all the accusations made against it in Amnesty's report," because Amnesty "haven't met or heard from any of Hamas' leaders".

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Michael Jackson Dies Aged 50

Michael Jackson has died aged 50 after having a heart attack at his Los Angeles home. He was rushed to hospital, where doctors spent over an hour trying to save him. His brother Germaine told reporters: "The family request that the media please respect our privacy during this tough time." Jackson was perhaps the greatest singer and dancer the world has ever seen. He transformed the music industry forever. The pop icon greatly influenced generations of singers with his unrivalled professionalism. Michael was known as the king of pop and there is perhaps no one close to challenging his legendary status. He will be remembered forever for his talent, his unforgettable songs, and his Moonwalk dance.

Tributes to Michael Jackson have poured in from all over the world. Pop star Madonna said: "The world has lost one of its greats, but his music will live on forever." Jackson’s ex-wife Lisa Marie Presley said she was “so sad and confused”. She added: "This is such a massive loss on so many levels, words fail me." Pop star Justin Timberlake wrote online: "We have lost a genius and a true ambassador of not only pop music, but of all music." Jackson began his career as a child in his family group The Jackson 5. He went on to become globally famous as a solo artist with smash hits such as Billie Jean and Bad. His album Thriller, released in 1982, is the biggest-selling album of all time. It has sold 65 million copies worldwide.

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Fillings For Baby Teeth A Waste Of Time

It may be a waste of time sending children to the dentist to have fillings. The BBC reports on the opinion of 50 British dentists who attended a dental conference. They suggested it could be unnecessary to fill baby teeth. Many of the dentists said many young children go to the dentist when they don’t have to. This could be good news for kids who hate the dentist. Many children develop a fear of dentists because of fillings, injections and the sound of the drill. This can become a phobia and continue into adulthood. The BBC says: “Experts already know there is wide variation in care, which means that a young child with signs of tooth decay could have no treatment, a filling or the tooth pulled out depending on which dentist they attend.”

Dental decay is one of the most common childhood health problems. As soon as a baby's first teeth appear, they are at risk of decay. From as young as six months, a baby tooth could get “baby bottle decay”. Later on there are early childhood cavities. The American Dental Association says these can affect speech, communication, nutrition and quality of life. They say the good news is that decay is preventable. A dental expert, Dr Gail Topping, is currently researching what the best treatment is. She will look into fillings, improved dental hygiene, and the child eating fewer sugary things. She said dentists currently use their own judgment to decide what’s best for a child’s decayed teeth on a case-by-case basis.

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Artificial Brain Ten Years Away

A top British professor has told a cutting-edge ideas conference he is close to building a replica human brain. Professor Henry Markham told the annual Technology, Entertainment, Design global conference that a working synthetic brain can be built in the next decade. He told his audience: "It is not impossible to build a human brain and we can do it in 10 years." He set himself a challenge by stating that if he succeeded, he would “send a hologram to T.E.D. to talk.” Professor Markram is director of the Blue Brain project, which aims to engineer mammals' brains from laboratory data. He has already had success with creating parts of a rat’s brain. Markham said the human brain was so complex, it was an “almost frightening organ”.

Professor Markham hoped his research would lead to new treatments for mental illnesses. He said: "There are two billion people on the planet affected by mental disorder." Markham believes synthetic brain technology will reduce the need for experiments on animals. "We cannot keep on doing animal experiments forever," he said. This will please many animal rights activists, who say such research is cruel. He hopes to create a kind of “Noah’s Ark” of animal brain models. Professor Markham provided a simple explanation of his work: "It's a bit like going and cataloguing a bit of the rainforest….But it is a bit more than cataloguing because you have to describe and discover all the rules of communication, the rules of connectivity."

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World Population Aging At Record Rate

The world is getting older and older. Not the planet, but the people who live on it. A new report reveals the global population of older people is growing at its fastest rate ever. The United States Census Bureau calculated there were just over half a billion over-65s in 2008. Officials predict this number will more than double to 1.3 billion by 2040. Around 14 per cent of the world’s population will be retirement age. Researchers say the number of elderly will soon outnumber the young for the first time in human history. This will have a big impact on our societies, economy, and the way we live. An older population will push up pension and healthcare costs. The workforce will have to pay much higher taxes to look after more old people.

America’s National Institute of Aging reports: "Aging is affecting every country in every part of the world....Global aging is changing the social and economic nature of the planet and presenting difficult challenges." Japan is already dealing with these problems and they are expected to get worse. By 2040, experts predict one per cent of the Japanese population will be over 100 years old. There is a booming industry in Japan to cater for the aged. Engineers are developing robots to feed, and clean up after the elderly. There are now robot companions on sale to keep old people company. One positive effect of our aging population is that we need to think again when middle age and old age is. We now often view a 60-year-old as being young.

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Standing Room On Airplanes A Possibility

The latest cost-cutting idea from budget airlines is for passengers to stand. Michael Ryan, the CEO of Ryanair, is seriously considering this option. Ryanair is one of Europe’s biggest airlines. It carried 5.84 million passengers in June, which is 13% more than a year earlier. Mr. Ryan says his airline is so popular because it is so cheap. Most of Ryanair’s flights are short hops to Europe. This makes the idea of standing for an hour or so on an airplane a workable one. Ryan said that many people stand for over an hour on a train, so it should be no problem on an airplane. He told reporters he would even be prepared to offer flights for free to passengers who stood. He said he could squeeze in 50 per cent more people and cut costs by 20 per cent.

Michael Ryan has changed the way many people think about air travel. His focus is on cutting out unnecessary services and so reducing fares. One idea he is still thinking about is to ask passengers to pay one euro (around a dollar) to use the toilet. He said he could remove two toilets on board the airplane and put in extra seats. The extra revenue would reduce costs and therefore the price of airline tickets. He said asking passengers to pay would encourage them to use the toilets at the airports. Ryan has also talked about a “fat tax” on overweight travelers. His standing room idea, however, might not take off. All airlines must stick to strict international safety standards. Everybody over the age of two must have a seat.

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South Korea Hit By Cyber Attacks

Countries around the world are beefing up their Internet security systems following cyber attacks in South Korea. Up to 60,000 computers in South Korea have been hit by mystery hackers in the past few days. The virus is spreading and could erase all data on infected machines. South Korean computer security experts say there is more to come. They warn the hackers are aiming at government websites. This could create chaos with the country’s transport, hospitals, banks and social services. Philip Kim, CEO of South Korea's largest anti-virus software company Ahn Lab, wouldn't comment on where he thought the attacks originated. However, South Korean government officials are accusing North Korea.

The attacks in South Korea coincided with a similar series in the USA. Immediately after the death of Michael Jackson, hackers created viruses that fans unknowingly downloaded. Internet surfers believed they were clicking on a link to receive some Michael Jackson memorabilia. In fact, the link downloaded dangerous, malignant software, known as “malware”. Thousands of PC users then spread the virus worldwide. Cyber crime has evolved into an extremely serious issue. An attack by one country on another’s computer systems is pretty much an act of war. Nations have to protect their online security just as they protect their own country. The Internet is now very much a new battleground for international conflicts.

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Brazil Fury Over Britain’s Toxic Waste

Brazilians are furious over 1,400 tonnes of British garbage arriving at its ports. The stinking waste included toilet seats, dirty diapers, leaking batteries and used syringes. The rotting cargo arrived in 64 different containers at three Brazilian ports earlier this year. It was destined for Brazilian waste recycling companies. The recyclers were angry over the contents as they were expecting only recyclable plastic. Brazil has demanded that Britain take back its rubbish. Roberto Messias of Brazil’s environment protection agency said: "We will ask for the repatriation of this garbage….Clearly, Brazil is not the rubbish dump of the world." Messias made it clear the importing companies would receive heavy fines.

The British Embassy in Brasilia released a statement saying it was investigating the case. Officials said Britain “would not hesitate to act” if any British company had broken international laws. Both Brazil and Britain signed up to the Basel Convention on the movement of hazardous and toxic waste in 1992. The embassy said: "The UK takes a strong global lead on protection of the environment and the safeguarding of human health, and will do all it can to stamp out the illegal trade in waste.” Public anger over the issue increased when the police found thousands of dirty toys in a container with a note in Portuguese that said: “These toys should be washed before being given to poor Brazilian children.”

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Microsoft To Offer Windows Online

Microsoft has announced plans for a free web-based version of its popular Office software. From 2010, computer users will be able to use software such as Windows, Excel and PowerPoint on the Internet. Analysts believe Microsoft has to go online to compete against similar software offered by Google. One expert said: "Microsoft was forced to provide a free product" because of Google Docs, a free, online document and spreadsheet editing programme. The Web-based version of the Office suite will be available next year. There is an intense rivalry between Google and Microsoft. Google has the lion’s share of the search market. Google hopes its Chrome browser will lure people away from Microsoft’s Internet Explorer.

Microsoft’s latest announcement has raised eyebrows in the technology world. Analysts are surprised it is giving away a free version of one of its most profitable products. They say the software giant looks like it is shooting itself in the foot. The Office suite made $9.3 billion in profit from $14.3 billion in total software sales in 2009. Free versions of Office will surely put a dent in these figures. A Microsoft Office spokesperson, Chris Bryant, said the free version was responding to customer needs, saying: "It's something our users have said they'd like." The Web version of Office 2010 does not yet have a name, but it will have advertising. There will be five different versions on sale for personal, small business and corporate use.

Dollar Under Threat As The Global Currency

India is the latest country to cast doubt on the U.S. dollar as the major global currency. Suresh Tendulkar, a top government economist, has advised India to rely less on the dollar. He suggests buying a number of different currencies instead of just the greenback. He told reporters: “The major part of Indian reserves is in dollars. That is something that’s a problem for us.” India’s treasury holds over $260 billion in foreign currency reserves. A weaker dollar means those reserves could fall in value. This is especially possible with the pressure on the dollar from America’s weakening economy. This may not exactly be the final nail in the coffin for the dollar, but it seems to be losing ground on other currencies.

The dollar is not only under attack from India’s economists. China and Russia are also calling for a new international foreign-exchange reserves system. On July the 3rd, China’s former Vice Premier Zeng Peiyan called for a “system to maintain the stability of the major reserve currencies.” This suggests China no longer views the American dollar as the world’s sole reserve currency, and that the dollar is no longer the “system” at the heart of global financial markets. Russian President Dmitry Medvedev has repeatedly called for a system that has a mix of currencies. Japan appears to be the only economic power that is keeping faith with the dollar. This may change at a meeting of the G-8 in Italy on July 8-10.
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Researchers Identify Key Contributor To Preeclampsia

A new study by researchers at Wake Forest University School of Medicine reveals a key component in the development of preeclampsia in pregnant women, a condition that can result in miscarriage and maternal death.

The study, funded by the National Institutes of Health, appears in the September issue of Endocrinology.

In it, researchers focused on identifying the differences in the uteri of pregnant women with and without preeclampsia and how the mother's tissues vary from the immediately adjacent fetus' tissue in preeclamptic women.

"Preeclampsia is a very serious condition that affects 7 to 10 percent of all pregnancies in the United States," said K. Bridget Brosnihan, Ph.D., the lead investigator for the study and a professor in the Hypertension and Vascular Research Center at the School of Medicine. "It can be devastating to both mother and baby, and currently there is no cure except to deliver the fetus. Our finding brings us one step closer to understanding the condition by getting a picture of what is happening at the maternal and fetal interface."

Preeclampsia is a disorder that occurs only during pregnancy and the postpartum period. It is a rapidly progressive condition that impacts multiple body systems, causing high blood pressure, decreased liver function and, in the most severe cases, affecting the activity of the brain, resulting in seizures. Swelling, sudden weight gain, headaches and changes in vision are among the symptoms; however, some women with rapidly advancing disease report few symptoms.

Left untreated, preeclampsia can lead to serious, even fatal, complications for both mother and baby. The condition contributes significantly to neonatal morbidity and mortality and is the second leading cause of maternal death. By conservative estimates, preeclampsia and other hypertensive disorders during pregnancy are responsible for 76,000 maternal and 500,000 infant deaths each year, according to the Preeclampsia Foundation.

Despite numerous research studies, the specific causes of preeclampsia remain a mystery. One possible pathway that has been identified is the renin-angiotensin system (RAS), which regulates blood pressure and fluid retention.

The RAS, when operating normally, forms a hormone called angiotensin II, a potent vasoconstrictor that binds to angiotensin II receptors throughout the body, including in the maternal uterine "bed" and the fetal placenta, and causes the muscular walls of blood vessels to contract, narrowing the diameter of the vessels and increasing blood pressure.

In normal pregnancy, the uterus has lower RAS activity, producing less angiotensin II, which results in the blood vessels remaining dilated. This results in lower blood pressure and allows more oxygen and nutrients to pass from the mother's uterus to the placenta and fetus, which is beneficial for its development.

In preeclamptic women, however, the activity of the RAS is increased in the uterus, yet the mother's vessels remain dilated and the fetus' vessels constrict more than normal. Brosnihan and colleagues focused on uncovering the reason for this in the current study.

What they found was surprising, Brosnihan said. Research showed that the angiotensin II receptors are not detectable in the uteri of pregnant or preeclamptic women. In normal pregnancy, this does not present a problem because there is less angiotensin II being produced, making the receptors less important. In preeclamptic women, however, where uterine angiotensin II is high, the hormone does not bind to its receptors in the uterus as it should, but instead passes through to the vessels of the fetal placenta and constricts the fetus' vessels, limiting the fetus' oxygen and nutrient intake and often causing low birth weight.

The only known way to cure preeclampsia is delivery of the baby. Women diagnosed with preeclampsia too early in their pregnancy for delivery to be an option need to allow the baby more time to mature, without putting themselves or their babies at risk of serious complications.

"The placenta is really thought to be a key cause of preeclampsia," Brosnihan said. "That's why we were interested in the interface between the mother's uterus and the fetal placenta. The placenta itself is a key factor in getting rid of the disease. Once the fetus and placenta are delivered, preeclampsia goes away, so the disease seems to originate there."

Inhibitors of the RAS are known to have bad effects on the fetus, so controlling the system is difficult in preeclamptic women, Brosnihan said. Because of its role in blood pressure regulation, many people with hypertension take medicines that work by affecting the RAS function. Those medicines, however, are contraindicated in pregnant women.

"It is very hard to control parts of this system to prevent preeclampsia without hurting the baby," Brosnihan said. "Our study provides some insight into maternal factors that may augment the disease. Hopefully, one day, we will be closer to finding a cure."

Co-authors on the paper were Lauren Anton, Ph.D., David C. Merrill, M.D., Ph.D., Liomar A.A. Neves, Ph.D., Debra I. Diz, Ph.D., Kathryn Stovall, B.S., Patricia E. Gallagher, Ph.D., Cheryl Moorefield, B.S., and Courtney Gruver, B.S., all of the School of Medicine, and Gloria Valdes, M.D., and Jenny Corthran, M.D., of Catholic University, Santiago, Chile.

Source: Wake Forest University Baptist Medical Center
http://www.medicalnewstoday.com

Women Urged Not To Drink While Pregnant

Learning disabilities, mental health issues and behavior problems are just some of the issues that afflict babies exposed to alcohol in the womb, yet some doctors still tell their patients it is safe to have a drink now and then while pregnant.

Those hoping to change that are meeting on September 9, the ninth day of the ninth month, for a forum dedicated to raising awareness about the dangers of drinking while pregnant and the plight of children and families affected by Fetal Alcohol Spectrum Disorders (FASD). State legislators, health care professionals, parents, social workers and drug prevention and treatment specialists are coming together at Prairie State College in Chicago to mark international FASD Awareness Day.

A new brochure titled "It's Only Nine Months" is also being released by Prevention First, a nonprofit drug prevention organization participating in the forum, addressing some of the common questions and misperceptions women have about drinking while pregnant.

"Our research found that women are getting conflicting information about drinking while pregnant," explained Karel Ares, executive director of Prevention First. One focus group participant said she had heard that wine or Champagne were good for a woman's blood while pregnant, Ares said. Others thought drinking was safe in the first few months of pregnancy. "There is no research that proves that any amount of alcohol is safe at any time for unborn babies," Ares pointed out. "But there is a great deal of research about the many lifelong problems caused by permanent brain damage from drinking alcohol while pregnant."

Ares said that one of the most important groups of people she wants to get this message are doctors. "FASD is preventable, yet some obstetricians are still telling their patients they can have a glass of alcohol now and then. It's like playing Russian Roulette with babies' lives, and we are working to educate them about the risks."

Dr. Todd Ochs, a clinical instructor of pediatrics at Northwestern University's Feinberg School of Medicine, one of the scheduled speakers at the forum, said that part of the problem is that doctor training hasn't changed to reflect new research about pre-natal alcohol exposure. "We used to worry about women using heroin or other illegal drugs while pregnant, but there are too many variables with alcohol that we don't yet understand, so the best advice a doctor can give is that they shouldn't drink at all," Ochs noted.

Dr. Ochs has diagnosed and treated many children with Fetal Alcohol Spectrum Disorders and points out, "We know that drinking will cause damage, we just don't know how much damage will occur or what amount of alcohol will cause the damage, so why would anyone do something that's known to be harmful to a baby?"

Among the speakers at the FASD Day forum are State Rep. Al Riley (D-Hazel Crest), State Sen. Maggie Crotty (D-Oak Forest) and psychologist Dr. Jacquelyn Bertrand from the Centers for Disease Control and Prevention.

Karolinska Development Portfolio Company Completes Successful Phase II Clinical Trial

Karolinska Development (publ) announced that one of its portfolio companies, Dilafor AB, has concluded an extensive clinical study of its candidate drug, tafoxiparin, a new drug substance for the prevention of protracted labor during childbirth. The promising results of the Phase II trial bring the project closer to exit in line with Karolinska Development's business strategy.

Dilafor's candidate drug, tafoxiparin DF01 is one of 11 compounds within the Karolinska Development portfolio that are currently conducting clinical trials. The completion of the Dilafor study is an important milestone for Karolinska Development and exemplifies the company's ability to develop innovative ideas through to clinical proof of concept quickly and efficiently. In the case of Dilafor, tafoxiparin has taken just six years to go from research concept to its current stage.

Karolinska Development's portfolio consists of more than 40 life science companies. A unique business model, which gives portfolio companies access to a broad network of business, legal, regulatory and scientific expertise, means that development times and costs are reduced compared to traditional drug development programs. With seven compounds currently undergoing Phase II clinical trials and five in Phase I the portfolio has matured to the point that Karolinska Development is now actively seeking commercial partners for its most advanced projects.

Conny Bogentoft, CEO of Karolinska Development, said, "The completion of the Dilafor Phase II trial is an important step for Karolinska Development and we are extremely pleased that Dilafor has achieved some very positive results. At the same time, it also goes a long way towards validating our business model. We are now very much focused on finding commercial opportunities for Dilafor's tafoxiparin and for several of our other projects that are reaching maturity."

The tafoxiparin Phase II trial was designed to measure the effect on labor time after preventive treatment using the candidate drug. 263 women at 18 clinics in Sweden were included in a randomized, double-blind and placebo-controlled study, conducted over a two year period. The treatment, which was administered during the last phase of pregnancy, was shown to be safe and well tolerated. In the groups as a whole the labor time was shorter in the treated group, but did not reach statistical significance.

However, further analyses of results suggest that treatment with tafoxiparin provides beneficial effects, including: a statistically significant (p=0.04) reduction in the number of women with labor times in excess of twelve hours; fewer complications as a cause of protracted labor; and fewer caesarean sections as a result of protracted labor.

Dilafor's CEO, Anders Asell, commented, "By concluding this proof-of-concept study we have shown that tafoxiparin has the potential to solve an important unmet medical need. We will now start actively seeking a collaboration partner with whom we can carry out a Phase III program. Parallel to this we will continue to develop tafoxiparin within Dilafor."

About Dilafor AB

Established in 2003, Dilafor AB is a Swedish R&D company focused on developing pharmaceutical products from heparin derivatives with low anticoagulant activity. The company has a balanced product portfolio representing highly promising ideas and innovations. Each of the projects addresses important and unmet medical needs.

The project, tafoxiparin (DF01) for protracted labor, successfully concluded a clinicial Phase II study in July 2009. DF02, a drug candidate for the treatment of severe malaria, is presently in Phase I clinical development.

Dilafor is managed by senior staff with high academic credentials and extensive industrial experience gained from key areas of pharmaceutical development. The company is located at Karolinska Institutet Science Park and is part of Karolinska Development.

About Karolinska Development AB

Managing one of the largest portfolios of life science research companies in Europe, Karolinska Development AB is a new type of company focused on filling the innovation gap within the pharmaceutical industry. Using a unique, highly cost-effective model Karolinska Development commercializes internationally renowned life science innovations, helping to deliver the medical products of the future.

Source: Karolinska Development AB

http://www.medicalnewstoday.com

2009 Charles River Laboratories' Excellence In Refinement Award

Paul Flecknell, PhD, widely recognized for his expertise in the identification and management of pain in laboratory animals, is the 2009 recipient of the Charles River Laboratories' Excellence in Refinement Award. This award was presented on September 3 at the 7th World Congress on Alternatives and Animal Use in the Life Sciences in Rome.

Sponsored by Charles River Laboratories, in cooperation with the Johns Hopkins Center for Alternatives to Animal Testing (CAAT), the award honors an individual who has made an outstanding contribution to the development, promotion and/or implementation of refinement alternatives. "Refinement," one of the "3Rs of alternatives," refers to methods aimed at minimizing pain and distress for laboratory animals.

For much of his career, Flecknell has been devoted to making life less painful for laboratory animals. His efforts have greatly enhanced both the understanding of the complex nature of pain in laboratory animals and the ability to provide animals with effective pain relief. His work is cited in nearly every paper that discusses pain in lab animals.

Flecknell currently is director of the Comparative Biology Centre at the University of Newcastle (UK) and professor of Laboratory Animal Science. His main research interests are anesthesia and analgesia of all species of animals and, in particular, the development of methods of pain assessment and alleviation.

The Charles River Laboratories Excellence in Refinement Award, which includes $5,000 to further the recipient's scientific endeavors, was established in 2005. The first award, presented at the 5th World Congress in Berlin, was given jointly to Dr. Bert van Zutphen and Dr. Georgia Mason. Dr. Linda Toth received the 2007 award. For more information about CAAT awards, see http://caat.jhsph.edu/programs/awards.

For information on the Charles River Laboratories' "Humane Care Initiative," please see http://www.criver.com/en-US/AboutUs/HumaneCareInitiative/Pages/home.aspx

For information about the Johns Hopkins Center for Alternatives to Animal Testing, please see http://caat.jhsph.edu.
http://www.medicalnewstoday.com

Opening an UK Bank Account

More and more people are going to UK... People from Poland, India, Australia, France, Romania, Bulgaria - all these people are going to the United Kingdom, some to study, others are looking for career opportunities. By the end of 2007 there were over 3 million foreign workers in UK.

There are several things you have to do if you are looking for a fresh start in UK - find a job, find accomodation, apply for National Insurance number (NIN) etc.

You should also open a bank account. Why? Because it is easier and cheaper to pay the bills, not to mention that most of the employers will ask for one.

Most of the UK bank accounts fall in three main categories:


  • Basic account - this account allows you to pay money in your account, transfer money between accounts, withdraw and use an ATM machine. You can't overdraw from this account.
  • Current account - this is the most common type of accounts. In addition to the services the basic account provides, it also includes a debit card which you could use in different stores, a cheque book and cheque guarantee card, and you can negotiate an overdraft with the bank.
  • Savings account - this account gives you the highest interest rate but does not include a cheque book. You may also be required to inform the bank before withdrawal or the bank may limit the amount withdrawn or the number of withdrawals you can make.

Like everywhere else different banks offer different level of service - some have higher interest then others, some have credit options, or online banking option. Look for a bank that best fits your needs.

If you want to open an UK bank account, you have three options:


  1. You can open an account from your home country before entering UK - this way, when you arrive in UK, you will have more time for other things like registering for National Insurance Number, looking for work or accommodation, or just look around the town. However not all banks will allow you to do that, limiting your options. Some may require you to make an initial deposit before opening the account.
  2. Open an account when you arrive - this way is cheaper and you can look around for the bank that best fits your needs. However you will have all the hassle of the registration process which may to start your life in another country.
  3. Look for a travelers' company to do the registration for you - Companies like QuickstartUK and Visa First are excellent option. Besides opening a UK bank account, Quickstart can help you with your NIN application, while Visa First can help you with your UK Visa application.


Whichever option you choose from the above, you will need the following documents:

  1. Current proof of identity - before a bank can open an account you must first proof your identity. You can use your passport for proof. If your home county is in the EU, you can also use your National Identity Card or Driving License
  2. Current proof of UK address - you can use your Tenancy agreement or a letter from your UK employer which proofs your address. Some banks may require proof of your address in the country you come from. Driving license or National Identity card can serve this purpose.

Improtant: You can NOT use the same document for both purposes! Different banks have different requirements, which means that the documents accepted differ from bank to bank! Banks will accept only the original documents!

I hope this is helpful and if you have any questions don't hesitate to ask in the comments.

UPDATE: I was recently contacted by a Quickstartuk.com employee who said they can assist with opening a London bank account with no prrof of address.

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Traditional v. Online Banking



The Future Of Banking

I often see commercials for financial institutions advertising their high yielding checking, savings, or money market accounts. On my last trip to the bank, I checked the interest rates, and found they weren’t even close to those advertised by the competitors. I figured there must be catch for the high rates offered with the banking offered on the television ads. After seeing the same ads a couple more times, I realized that the products offered by these banks are different from my local bank because they are based online. Doing business online allows these banks to cut the costs of having local branches, and tellers, allowing them to offer greater rates of return on your initial investment.


Online or Traditional Investments?

Should we invest our money in a traditional way, like going to the bank and opening a savings account, or should we do it online? These days, we can do almost everything online, from buying music to books to groceries. So, is it time to move our banking online? If you are comfortable using the internet and would like to have a higher payback on the CD, you should definitely consider online banking.

The biggest advantage of opening your investment account online is the higher rate of return.

Compare the traditional accounts opened at your local branch with accounts opened with an online competitor.

Checking Account

Traditional Bank: No APY (Annual Percentage Yield) on checking accounts. Usually you have to pay a small “account maintenance” fee. Sometimes, if your traditional bank treats their customers well, you may be able to get free checking topped off with free checks (Wow! J)

Online Bank: All of the online banks I’ve encountered offer a return on your money with a checking account. The return varies depending on the bank, but you might be able to find banks that offer a return of 4% APY or more depending on your account balance. Of course, there are no “maintenance” fees or anything like that. You also won’t need checks because you can schedule payments in your account. Simply type in the name of the person or institution and their address, the your online bank sends the payment directly to them electronically or via postal mail.

Savings Account

Traditional Bank: All of the traditional banks offer interest on their savings accounts. However, the APY rates are so low that sometimes we consider them insignificant. You will encounter interest rates on traditional savings that range between 0.1 – 0.3% APY.

Online Bank: Online banks offer much greater interest rates on savings than regular banks. You can find rates going up to 3.5% APY, which is quite a difference from traditional savings accounts.

Certificate of Deposit Account

Traditional Bank: You can open a traditional CD for the length of time you specify. The return depends on the time you are willing to “lock” your money for. You can sometimes squeeze a bit more than a 3% APY, depending on the bank.

Online Bank: Buying the same financial product from an online bank, you can get as much as 4% APY on your investment.

IRA CD (IRA - Individual Retirement Agreement)

Traditional Bank: If you decide to roll-over your 401(k) plan and open an IRA account with a traditional bank, you might get around 2.5% APY.

Online Bank: Doing the same thing online, you can get a nice return of 4% APY, depending on the bank.

The biggest advantage of doing your banking online, other than the higher rate of return on your investment, is the flexibility it offers. You can access your account anytime from anywhere as long as you have a computer with internet access. As well, with online bank, the closest branch is just a few clicks away, it’s open 24/7, and there is no line to the teller. Using your internet browser, you can do the same things as you can with regular banking. Online, you can: withdraw and deposit funds; open an investment account, like savings, CDs, or Money Markets; and, even pay your water bill.

http://hubpages.com

Is your BANK FAILING?



Is your bank failing? Even if it is, rest assured, everything is OK! The worst that can happen, is you get a new sign on the building and a new debit/check card with a new bank name on it

Even if the FDIC takes over, it is only for regulatory reasons...another bank either buys or merges with the failing bank after FDIC eats up all the bad assets. You, the customer, are not affected by this. The only way you can be affected is if your total deposits at the bank exceed $250,000.00. The FDIC insures you up to $250,000.00 per depositor. That means, if it is a joint account (you and someone else) you are insured up to $500.000.00 in that account.

You also get an additional $250,000.00 for each beneficiary. So, you and me have a joint account, that's $250K each, so together we have $500K. Then we make our kid beneficiary, that is an additional $250K so we now have $750,000.00 in FDIC coverage.

That means, if the bank fails, and we have (example) $415,232.22 in our account, we are fully insured and our money is safe! :)

There have been about 81 banks that have failed so far in the United States as of August 25 - 2009. Please do not panic!!! The changes only really happen on the back end, meaning behind the scenes. A bunch of paper is pushed around and then a new company owns the bank. That's it!

The new bank may or may not honor the account perks you have like cash back, or free of monthly charges, etc.. it all depends on what the new bank converts your account too. Usually they "grandfather" the old stuff in with their stuff to keep everyone happy. If you find out your bank is going to be taken over by a different bank, visit the new banks website and review their products to see what you may be in for. If you don't like the products, might want to find a new bank. There are plenty of banks offering good perks like cash back, free checks, free ATM's worldwide, etc. With the number of banks getting smaller and smaller, the existing ones are going to have to come up with amazing products that people will love to keep their business. THATS GOOD NEWS FOR YOU!

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A Bank Account for Low and Fixed Income People

Is It Worth It?

Having a bank account is always worthwhile. The question for low-income individuals is whether it is worth the financial risk. Many people who live on low and/or fixed incomes find that it is.

Having a personal bank account (which usually consists of a checking account and associated savings account)is the way people do business today. Many banks offer free checking accounts with no minimum-balance requirement. Some of these free accounts are aimed at people who will do their banking through electronic means only (which include the bank's ATM). Free checking is often offered to students, and many banks offer free checking to individuals over 55 years of age. With most bank accounts also comes the convenience of the ATM/debit card, which can be used to make purchases, including online purchases. (Many low-income people do have computers. Those who don't may use one at the local library. Whether someone wants to find bargain prices online or earn a few extra dollars online, a bank account is required in order to set up an account like a PayPal account, which allows money to be transferred online without giving personal bank account information.)

Being able to set up direct deposit can be extremely convenient. Today, many companies, such as car insurance companies and cell phone providers, are willing to offer no-deposit coverage/service when they are authorized to deduct automatic payments from a checking account.

Carrying substantial amounts of cash is never a wise idea, and even low-income people have been known to carry two or three hundred dollars with them because they don't have a bank account.

There are also low-limit credit cards for people with no credit or bad credit. Many of these require payments be automatically taken from a checking account. Even when that isn't required, however, it can be a handy way to make sure a credit card bill is paid regularly.

While the low-income individual's balance may be modest, having a bank account allows that individual to conduct his personal business in the same manner as most people do. Being able to pay bills with a check, cash checks we receive, and say "yes" on applications that ask if you have a checking and savings account, are all things that having a bank account offers. The individual who has held an account with the same bank for a long period of time may have other advantages, as well. For example, in the event circumstances make getting (and paying back) a small, personal, one's own bank is often the best place to apply.

Besides the financial and convenience benefits, there may be psychological benefits to the low-income person's having a bank account. People living on low incomes can often feel removed from "the mainstream". Everyone else may seem to have a bank account, but the low-income person may not. Everyone else may seem to have a credit card, but the low-income person does not. Everyone else seems to have a telephone, the low-income person may not. Other people may have cars, car insurance, and road service plans; the low-income person may not. Even ads aimed at people who may buy products or services seem to be aimed at other people to the very low-income individual. Living on a low income can, indeed, remove some people from "the mainstream". If there are small ways for the low-income person to have those basics in life that most everyone else has it can actually help that individual feel a little less removed from the mainstream of life.

Living on a low or fixed income doesn't necessarily mean not being able to manage money wisely. Many low-income individuals do find a way to save a small amount of their income with each check.

There are, however, potentially devastating risks when a person with a limited income has a bank account. The low-income individual has no margin for error when it comes to his balance. If he forgets that he made a $2.00 debit card purchase at a convenience store, and then makes a purchase that uses up his existing balance, there is the chance that the $2.00 debit purchase could cost him the usual $35.00 fee. If that same person happened to have mailed a check, and if that check came in once the account was already overdrawn, there could be a second $35.00, in addition to any fees charged by the company who had the check returned. If the check returned were a credit card payment the individual's credit card could then run up over-limit fees, late fees, and returned check fees. In other words, that $2.00 convenience store purchase could cost the individual in the area of $200 in fees. If more than one check were returned, of course, the fees would be run up even higher.

The problem for many low-income people is that they live under stress, which can cause them to feel distracted and more prone to being absent-minded. That places even the most careful individual at higher risk of making a mistake with his bank account.

Keeping accurate track of a checking account does, of course, help minimize the possibility of errors; but that isn't always enough for the low-income individual. (People who are not familiar with keeping a check register can usually easily learn. Confirming one's own information against balance-checking over the phone, on the computer, or at the ATM is generally something people of all incomes prefer to do.)

There are, though, ways to eliminate the risk of a disastrous mistake. People with established, good, credit may be able to have some limited overdraft protection. Banks generally require a minimum income to offer this, but some low-income people do have the usual $1,000 a month minimum income. Those who do not can usually put a few dollars into their linked savings account, arrange with the bank that the savings account money will be transferred if an overdraft item appears, and this will eliminate the type of disaster described above.

Another way to eliminate the chances of disastrous mistakes is to be very judicious in the use of both checks and the ATM debit card. Using the debit card for most things and saving checks for bills extends the time the check supply lasts. Many banks offers unlimited use of their own ATM's, as well as unlimited debit-purchase transactions.

There is no doubt that living on a low and/or fixed income poses it's own set of challenges and demands on those who do, but a substantial number of elderly individuals manage to live on Social Security checks and yet maintain a basic level of sound, normal, money management. In fact, it may be a rare elderly person (particularly those who lived through The Great Depression) who runs up unexpected and disastrous bank fees.

The amount of money the low-income person has to manage may be modest, but establishing a normal money-management/money processing foundation can be the first step on the way to a more comfortable financial situation. Low-income people are often quite skilled at shopping with great care. There is no reason they cannot exercise the same great care in managing a bank account.

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Some easy-to-adopt security tips for computing and banking

Be safe on the internet and when banking

This hub discusses better and simpler ways to keep your web passwords organised and secure, as well as offering practical advice when using your bank cards.

Numbers and letters...

In these days of web fraud and the need for a multitude of passwords or PINS, it is easy to streamline passwords and PINS for an easier life. This is not a very good idea because you are making it easier for hackers and if they manage to crack one of your accounts, they might get into others before you realise it. The problem is twofold:

  • trying to remember various passwords
  • keeping track of various accounts

Firstly, ensure the letters in your passwords do not appear in a dictionary. Hackers frequently resort to automatic dictionary guesses and are more likely to crack your code. A recommended password should also include numbers which I will suggest in a while. One easy way to avoid making your password into a dictionary entry is to omit the opening letters. For example, many people make passwords out of the first thing they see. You're looking at the screen and it wants a password - a huge amount of people use "password" as their password! Drop the first two letters and you get something marginally more secure but still memorable:

"sswordpa"

The best passwords include numbers and letters. Another common password with people desperately looking for inspiration is "123" or "1234". Again, avoid the obvious and certainly avoid sequences or obvious dates such as your birthday. If you want something you might easily remember, think of a loved-one's birthday - it's better than your own! Likewise, don't use any part of your own name - it's better to think of a friend's name instead.

Use upper case letters [capitals] where permitted, mixing them randomly with lower case letters. This increases your security 100% and makes it even more challening for hackers to encrypt.

Use "zero". A surprisingly number of people forget that "0" is a viable option, increasing the chances of a more secure password. If your birthday is, for example, ! January 1980, then use "0" as a connector, ie., 01/01/80 becomes

01001080 and extends your options threefold.

It is easy to forget to review or change passwords periodically. it is very good practice to do this, particularly if you regularly use an account on a public computer in view of others. No matter how cautious you are, someone can observe you typing the same combinations over a period of time, or use a high-tech solution such as a hidden camera (which are becoming much cheaper and smaller). The following might be useful:

Keep the core of your password, for example, "saNSu041374" [Susan] and change it every month or months, using the month itself as the variable, eg.

  • 02saNSu041374 = February
  • 03saNSu041374 = March

etc.

If you have problems remembering passwords, you might consider keeping a word document with passwords and accounts listed. I have two suggestions:

At all costs avoid using the word "password", either as a file name ["My passwords"] or as text within that file. Call the file anything but "passwords" or any other such name such as "Security" etc. Likewise, you might list your e mail accounts and thei associated passwords but, again, don't use the term "Password" within the document. Anybody hacking into your PC can search active names, and the first thing they will do is look for the word "password". At least abbreviate it to "PW". Where you use a common core in your password (such as my suggested variant on your name, eg. "saNSu", then replace that part of the password with a substitute word such as five asterisks (*****) or even ME. Thus your document named "Favourite names" might contain a listing such as:

My favourite bank PW:

02*****041374

or even

02ME041374

indicating:

02saNSu041374

Passwords and e mail accounts

If you use the same e mail account for different accounts, it is possible that a hacker can access all your information. E mail accounts are free and easy to establish - don't use exactly the same for linked accounts, eg., Skype and PayPal and EBay. Keep different e mail addresses assigned to such accounts - in the unlikely event of one of them being breached, at least the others would be safe.

Easy security tips for using bank ATMs (Automatic teller machines)

Far more common that successful internet crime is the theft or replication of bank cards, be they debit or credit cards. Even with increased security and PINS, an increasing scam is called "skimming" where your bank card details are removed by unknown persons. These days. the information on the card is virtually useless without the PIN and criminals employ a number of methods to get this.

The most common of these is by a skimmer device at an ATM machine, combined with a hidden camera. The thieves insert this device inside the bank machine's recess for your card, and it then reads your details. The most common way to get your PIN is to use a concealed camera, usually above and focussed on the keypad.

  • ATMs: Check the slot into which your card will go. I usually grab the plastic lip and check it is secure. If a skimming device is inserted, it may not be so secure
  • ATM: PIN entry - try to cover your hand while entering your PIN - you need to memorise the position of the numeric keypad, but will quickly master this after a few attempts. Even one number concealed will deter skimmers from bothering to decipher your PIN.
  • Using your bank card in public places: Although an increasing number of restaurants will bring a hand-held scanner for you to enter your PIN, many do not. Never allow anyone to walk off with your card or it could be skimmed. Ask where they are going and say you will accompany your card. Don't allow yourself to get distracted - dishonest waiters/waittresses often conceal skimmers on the person and can skim the card in a fraction of a second.

I hope I have provided some ideas to help you avoid fraud.


Guess the entered password?


Getting better

This is: 02sansu0412AD74
This is: 02sansu0412AD74

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Tips On Good Secure PINs and Passwords

The need to easily recall a PIN or a password tempts us to choose something familiar that we can easily recall. It also tempts us to choose universal PINs and passwords that we can use the same ones for many purposes without having to remember more than one set. These are dangerous shortcuts that can often be easily broken by an intelligent identity thief.

A password based on the user's real name or log in user name should be avoided. Any password that is based on information that can easily be suggested by a little research into who you are should also be avoided: a partner's name, children's names, brand of car you drive, your telephone number or car license plate, the street you live in, your father's name, your birthday, and so on.

A popular way among identity thieves who are trying break a password is a dictionary attack. It simply involves trying a large number of words from the dictionary, in any language, in the hope that a normal word has been used. Similarly, words in reverse, common misspellings, or simple look alike substitutions (e.g. "1" for "i") are easily picked up.

A similar approach with attempts to break PINs is to start with easily remembered combinations, such as numbers in sequence, duplicated numbers or numbers representing years or birthdays.

A popular solution is to think of an easily remembered sentence, then to make up a password out of the first letters of the sentence. In this way, Lincoln's "A house divided against it self cannot stand" becomes the password "ahdaics".

Adding complexity to this password could be achieved with some upper case level letters, and including an "L" for Lincoln. By then adding the year Lincoln gave this speech we get: "AhdaicsL1858". It looks complex, but it's not too hard to remember the quote, the speaker and the year.

Most passwords are case sensitive, so using upper case significantly multiplies the difficulty of cracking this password. Some systems also allow the use of symbols in passwords, so we could add an easily remembered explanation mark and a number hash to make the password "Ahdaics!L#1858", which makes it quite a strong password.

This change has also added length to the password, which greatly compounds the difficulties for a would-be password cracker. There should be at least 8 characters, and ideally 14 or more as in this example.

You are usually more limited in your choices with a PIN, typically to 4 numbers. You should avoid repetition and choose random numbers, or a very obscure combination you can still easily remember, such as your boss's office phone extension two jobs ago in a company that has since closed down! Certainly avoid obvious combinations, such as parts of your telephone number or car license plate number, or the year you were born: these are areas where a thief with your card is likely to start looking and testing.

To keep your passwords secure you should:

  1. Use separate passwords in each use, not shared or common passwords
  2. Keep your passwords very secure, and shared only on a "need to know" basis.
  3. Change your passwords every few months
  4. Never use your passwords on a shared computer where key stroke logging software could possibly be installed (e.g. at a cyber cafe or public library)
  5. Never give your password to anyone pretending to be someone in authority: banks, for example, will never request your password or PIN.
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9 Tips to Keep Spyware Off Your Computer

The Windows Security Center was introduced wit...
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You’ve got a brand new computer. You set it up with visions of high-speed downloads and fast computing. However, before too long, you notice that performance on your shiny new computer is beginning to lag. Spyware could be the culprit.

Spyware and adware are programs that are installed on your computer (often without your knowledge) that send information to advertisers or return advertising to you. Spyware can slow your computer until it is almost unusable and only reformatting the drive can get things going again.

Here are some tips to protect yourself from spyware:

  1. Read User Agreements Before Clicking Yes – Legitimate companies will have user agreements that indicate what other software will be installed if you agree.
  2. Be Careful of Advertising That Looks Like Windows Warnings – Some advertisements are disguised to look like Windows warning dialog boxes. Clicking the box will install spyware on your computer.
  3. Pay Attention to legitimate Windows Warnings – If you have installed and configured security software, you will get warnings of attempts to install spyware or adware.
  4. Install Spyware and Adware Scanning Software Ad-Aware and Spybot Search & Destroy are free programs that will scan for spyware/adware on your computer.
  5. Be Careful with Your Web Browsing –Websites with adult content are more likely to install spyware, without warning.
  6. Keep Your Version of Windows Updated – The programmers who develop spyware often look to exploit security flaws in MS Windows. As these flaws become known, Microsoft will update the OS to fix the security hole. Keeping your version of Windows up-to-date will ensure that you have the latest protection available.
  7. Be Careful When Installing Shareware and Freeware – Be careful of where you download freeware and shareware. Popular and established software sites will generally scan the download files to ensure they are spyware free.
  8. Install a Firewall – Installing a firewall adds another layer of protection from unwanted intruders and spyware programs.
  9. Improve Your Security Settings – There are many ways to increase the security for operating systems and browsers. Take the time to learn how security works and make the necessary adjustment to your settings.

Following these tips will help to protect you from spyware.

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Tips for Choosing a Good Password

Nowadays everyone in the family has their own password for something, whether it's your Tween's email address, your own secret blog or Grandma's online pension access. If you don't want others checking/reading up on you, you'll want to make sure you have a very good password to keep them out of your business. Same goes for your computer at work. Strangely, a lot of people use their own names or birthdays as their passwords -- not a good idea, it's far too easy for people to guess these things. No, you want something you can remember, but something that can't be spotted from a mile away, either. The following tips will help you choose a good password that ensures your privacy.

Replace letters with numbers.

Want to use your kid's name as your password? This wouldn't be a very good idea normally, but if you add some numbers into the word itself, it could be very strong indeed. For example, let's use the name Benjamin. If you wanted to replace some of the letters you could change it to b3njam1n. You could do any variation, of course, using as many as you like. And it doesn't have to be only vowels (though they do seem to the be the easiest). If we use the name Shelly we can change that to She77y and you would still have an easy enough time remembering it.

Your birthday -- in another language.

I know I just mentioned how bad an idea using a birthday is, but if you do it in a foreign language it's an entirely different situation. If your computer keyboard only supports one language, you'll want to make sure you choose something that won't require having to seek out funky letters each time you log into something. Is your birthday January 1? Try it in Portuguese! Janeiro1 is difficult to guess unless you live in Portugal. Jan3ir01 would be that much more difficult!

Use your own name - in another language.

If you really can't think of anything and you really want to use your own name, you could try something similar to the first suggestion and translate your name into a foreign language. For example, the name Charlotte could be changed to a Slavic version like Sarlota. And if you really wanted to make it strong, you could change it further to Sarl0ta.

If possible, add extra symbols.

Not all programs will allow you to insert less common symbols, but if they do it's a good idea to use them. Are you totally in love with Hugh Laurie, like I am? HughLaurie is a pretty decent password if no one knows you're crushing on him, but @Hugh+Laur1e@ is an even better one.

Use 8 characters or more.

Your password should not be shorter than 8 characters unless you're using some kind of character set that isn't likely to be recognized by hackers. If you live in Montana, odds are slim that someone's going to guess your password is the word Sushi, if it's written in Japanese characters. That would probably be ok. Unless, of course, you live in Tokyo, in which case your password would be pretty weak! If you can't think of a word that has more than 8 letters, add a few numbers in there or make it a compound word. Many websites require this nowadays anyway.

Use An Acronym

If you play the piano and read sheet music, you'll remember hearing your piano teacher telling you Every Good Boy Does Fine or Every Good Boy Deserves Fudge. That acronym would make a good password if you changed it to E.G.B.D.F

Extra Tips:

  • Change your password every month or two.

  • Don't use the same password for everything. Always have unique passwords for the big things, like your banking site, PayPal, and any site that has your credit card information stored and ready for shopping.

  • Don't save your passwords on shared computers -- it's very easy to back into free accounts like Hotmail and Yahoo.

  • Don't choose a password you won't be able to remember!

  • Don't write them down and store them in your desk.

  • If you do write them down, store them in your wallet or something which is usually on your person.

  • Don't email your passwords to your friends or family who might need access for some reason. Tell it to them over the phone.

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