Coming to a post office near you: boarded windows

To cut costs, the Postal service has declared that it will close 2,000 facilities this year. The locations to be closed by the Postal service are known as stations and branches, because a law keeps the agency from closing post offices to balance its spending budget. Up to now, cost cutting has failed to curtail the stream of red ink leaking from the USPS, which loses billions of dollars on an annual basis. They have been hanging on by a thread and might possibly be looking into short term personal loans to stay afloat.

Nevertheless seeing issues within the Postal Service

There have been 500 postal closings already prepared. Nevertheless, 2,000 closings is the goal the USPS has for this year. There is expected to be the exact same amount of service in the U.S. to every part of the community. This is what the USPS is needed to do by law. But the agency lost a record $8.5 billion in fiscal year 2010. It was asked for an increase postage rates by the Postal Regulatory Commission. This was rejected though. The Postal service cited the recession and Internet competition in the request, but the commission said the agency's problems were from poor management and waste. Just since 1999, there has been a cut of about 1/3 of Postal service employees. There’s a possibility that Saturday delivery and smaller postal locations might be dropped to help with costs.

Searching for postal increase alternatives

With 2,000 postal locations in line for the chopping block in 2011, The Postal service is re-evaluating another 16,000. This number represents 50 percent of the post offices within the U.S. that are running at a deficit. There’s a law that allows postal service closings only if there is an expired lease or maintenance problems to deal with rather than because they’re losing cash which the agency is trying to get changed be Congress. After being snubbed on postage increase, the Postal service is attempting to convince politicians that its vast network of 32,000 locations is outmoded. Most of the facilities were built decades ago, long before e-mail, FedEx and the United Parcel Service.

Possibility of a conclusion to the Postal service

The Postal service depends on mail volume to survive. It’s odd to see someone writing a letter now and days. Also, junk mail is not sent almost as often while bills appear to be paid online almost all of the time now. Small towns and politicians really do not want the buildings to close down which is the only thing left to do. They argue the Postal service ought to quit spending so much money on employee benefits before their town's sole remaining physical link to the outside world is shuttered.

Articles cited

Wall Street Journal

online.wsj.com/article/SB10001424052748704881304576094000352599050.html

CNN Money

money.cnn.com/2011/01/24/news/economy/postal_service_close/?npt=NP1

USA Today

content.usatoday.com/communities/ondeadline/post/2011/01/us-postal-service-set-to-begin-closing-2000-post-offices/1

Experiments link insomnia to weight problems and impaired memory

In 2 separate tests published this week, insomnia has been connected to negative health outcomes. Children and adults with insomnia are at a higher risk of obesity. Sleep may also help memories build and be stronger.

Seeing a connection between obesity and sleep

The sleep habits of 300 children were studied. They were 4 to 10 years old in the study. Kids that slept irregularly tended to be obese. This was something noticed in the study. The amount of rest the kids got didn't correlate. It was just the change in sleeping patterns from day to day. Dr. David Gozal, who was a lead researcher on the study, explained the results by saying “We think that the direction of the arrow is you sleep less, you eat more, you exercise less because you’re tired, and therefore you gain more weight.”

How rest and memory connect together

Nature Neuroscience today is a journal. Another sleep study was published in it. There was a discovery that subjects who took naps right after studying would retain 25 percent more information than other subjects. This is what German scientists discovered. One theory is that memories are "downloaded" during sleep to be put within the long-term part of the brain after being put in the short-term part originally. Memories become stronger in sleep. That is the basic idea.

Getting more sleep

It can be really hard to get enough rest for those of almost any age. For school-aged kids and adolescents, nine hrs or more per night is usually recommended. For adults, anywhere between 8 and 10 hrs is typically considered “enough.”. In general, getting enough sleep should mean sleeping until you naturally wake up. It seems to actually help for you to "catch up" on your sleep though. Catching up on sleep over the weekend can help reduce risk of weight problems between 280 percent and 400 percent.

Information from

AFP

google.com/hostednews/afp/article/ALeqM5ir9Aq3KpWK1wbwDG1A9sqQLxq0nQ?docId=CNG.3d70bb040bdfdd29691ee978be81fc1a.2e1

Fox News

foxnews.com/health/2011/01/24/study-sleep-extra-pounds-kids/

Bloom Energy produces strategy to make Bloom Box accessible

Bloom Energy of CA has created an choice energy source known as the Bloom Box. The Bloom Box is a self-contained source of power. So far its on-site application has been cost prohibitive for the mainstream. To solve that issue Bloom Energy has created the Bloom Electrons system to eliminate the Bloom Box’s upfront costs. This could help several people get Bloom Box without needing a pay day loan to sign up.

The Bloom Electrons program

The Bloom Box is something that Bloom Energy got to the clean energy sector. Electricity could be produced with the "energy saver" Bloom Box. There’s a very low carbon footprint with it as well. Each Bloom Box costs more than $700,000. To date, only large corporations for instance Google, eBay, FedEx and Bank of America are Bloom Energy customers. Credit Suisse and Silicon Valley Bank have partnered with Bloom Energy to make Bloom Electrons which will increase demand for Bloom Boxes. A fixed rate is offered for onsite Bloom Boxes with a ten year contract for electricity. This is what the financing business Bloom Electrons does.

Using clean energy to make Bloom Electrons go

There aren't upfront costs for businesses to use Bloom Box meaning the corporations can go off the power grid with Bloom Electrons. The cost of energy could be recovered by businesses from three to six years after installing it if it’s bought upfront. Businesses can use Bloom Electrons to start saving 20 percent immediately with Bloom Energy. What is being paid in California is what will be saved. At present, Bloom Electrons only pencils out in California. The average commercial rate for electricity within the U.S. is about 10 cents per kilowatt-hour. About 14 cents per kilowatt-hour is what Bloom boxes do. This is a different price. Then you will find the federal clean power incentives and CA subsidies to take into account. The price becomes 7 cents per kilowatt-hour because of it.

The whole world getting Bloom Box soon

The need of subsidies is something Bloom Energy is intending to get rid of. The company says it will be another three to five years before the Bloom Box could be offered this way. The Bloom box production could have to go up first so that the Bloom electrons program demand can be met. Two years back Bloom Energy could produce one Bloom Box a month. When it comes to shipping Bloom Boxes, the company has gotten faster. It can do one a day now. The creating world may be able to start getting clean power if Bloom Energy can be able to increase production but decrease production price.

Information from

Business Week

businessweek.com/technology/content/jan2011/tc20110120_212633.htm

TechCrunch

techcrunch.com/2011/01/20/bloom-launches-financing-service/

Reuters

reuters.com/article/idUS9777404420110120

Plenty of places for germs to breed on British ATM keypads

Although it is well known, a new study has confirmed that public venues are a breeding ground for bacteria and germs. Bathrooms are as full of bacteria obviously, but ATM keypads are almost as bad. The research was, not astonishingly, financed by antibacterial makers. This doesn’t mean that others are worried about this, however. Just think of the payday cash loan the bank will have to take out if someone sued them for getting sick at the ATM.

Study all about the ATM keypad done in Britain

The bacteria on many common public surfaces were studied by British researchers. Swabs were used to get samples to grow. These came from grocery carts, gas pump handles, under the seat of public toilets and ATM keypads. The samples were grown in a petri dish after getting sealed in a sterile bag. Bacteria including e. coli and coliform were grown on all four swabs. The highest bacteria load was grown from the public toiled even though the same amount of bacteria was taken with all samples. ATM keypads were a very close second to the public toilets in bacterial load.

Taking into consideration the funding of the study

The study of ATM keypads and public toilets did not reveal any particularly new information. We should check who the study was funded by though. It was an antibacterial surface coating company. Where funding for studies come from is a consistent issue within the scientific community. Though the use of this study to sell antibacterial products is relatively transparent, it does not completely invalidate the results.

Don't get too much bacteria on you

Though this study is being argued as a reason to buy more antibacterial surface coatings, there are other ways to protect yourself. Make sure that you wash your hands. It is an extremely important thing to do. The infections and disease being spread isn't effected much by antibacterial products as it has been shown. Keep your hands washed, use antibacterial products rarely, and take reasonable precautions to protect yourself. This way ATM keypads and public toilets will not be any more dangerous than any other public space.

Articles cited

NCBI

ncbi.nlm.nih.gov/pubmed/14996673

WTAE

wtae.com/health/24325339/detail.html

Try Spokane payday loans, 24/7

From Dick’s to the courts of Hoopfest, anything can happen that calls for fast cash in Spokane. From a bad alternator to a severe on-court sprain, the expenses can mount. That’s why Spokane cash advances was created, however. Twenty-four hours a day, 7 days per week, you can apply online for Spokane personal loans to fit nearly any kind of emergency. And you don’t even have to worry about credit checks or faxing documents.

Get a Spokane payday loan without even leaving}

You don't have to leave your home to apply for a Spokane payday loan. Do you have a regular job with regular pay, a regular bank account and are at least 18 years old? Then feel free to apply for a Spokane short term loan online. The application is available to you in your home. That means you don't have to get up and go anywhere. Think cold, hard cash that's easy to apply for. That's what Spokane payday loans are all about. Even if your credit is less than perfect, you are not automatically eliminated from consideration. You can get approved without anything being final. Your Spokane cash advance lender will give you terms and conditions to look at before deciding for sure.

Personal loans in Spokane

It is easy to get a personal loan in Spokane. People do it all the time. The personal touch extends to those tough budget choices we all have to make at times when we're living in the margins. Is your bank going to be overdrawn? Well a Spokane installment loan can help you avoid that. A Spokane short term loan you only have to pay 15 to 30 percent of the loan in interest on, which is about 300 to 400 APR. That is way better than the 1,000 APR you get on a $1 NSF fee. Spokane payday loans can help you while being very convenient.

That car needs a new radiator. Apply for a Spokane cash advance

The online application form is easy to use and the wait period before you know if your application has been accepted is just minutes. Don't go knocking on big bank's door for a loan unless you like bureaucratic red tape, including copious documents and lots of thumb twittling. It takes as little as two hours for you to get your Spokane persona loan. This is after you have been approved for it. You will have the ER bill paid and the car fixed before the paperwork is even reviewed by the bank. That's the power of Spokane installment loans – speed and the flexibility to pay all at once or in manageable payments. APPLY NOW!

iPhone sends Verizon stock sliding, iPhone stock soaring

The Verizon iPhone press conference did nothing to boost Verizon stock. Verizon’s iPhone media event really sent its stock down. Apple stock value is tied directly to iPhone share of the market and within the week leading up to Verizon’s announcement Apple shares climbed six percent. There is no doubt that people can be getting a payday loan to purchase the iPhone from Verizon.

From rumor to news with Verizon stock

`Right after the Verizon iPhone announcement happened, Verizon stock went down 2 percent. Investment analysts expect Apple to benefit at Verizon’s expense and the market reflects that assumption. They have AT&T’s track record with the iPhone to go on. January 9, 2007 was when AT&T became the exclusive carrier for the iPhone. Now AT&T has gone down 20 percent. People would get a loan to buy Verizon stock when the buzz about a Verizon iPhone started intensifying in October. There has been a 7 percent rise in Verizon stock since then. The slump in Verizon shares was described by the Wall street Journal as a “buy the rumor, sell the news” investor mentality.

Verizon is being affected by the iPhone

The stock for Verizon is expected to continue dropping. This is why the 2011 earnings for Verizon may be hurt a little bit by the iPhone. The iPhone is extremely popular. This means Apple can pressure vendors for great deals without anyone questioning it. Verizon is also heavily subsidizing the iPhone to lure a maximum amount of customers as quickly as possible. There will be less that has to be paid for the Verizon iPhone 4 than any other. Verizon customers only have to pay $199 if they want the 16-gigabyte model with a 2 year contract. The 32 gigabyte model only costs $299 also. An analyst told CNBC that Verizon is shelling out about a $400 dollar subsidy for every iPhone it sells.

Apple stock: the sky’s the limit

Apple is the true winner when it comes to the Verizon iPhone. The iPhone market share is what drives Apply stock. Verizon iPhone rumors in the last quarter of 2010 drove Apple stock up 19 percent. When it comes to the global smartphone market, the iPhone had 3 percent in 2010. This is an increase from 2 percent in 2009. In the next five years, the numbers for the iPhone in the global smartphone market may even get to 12 percent because of the Verizon iPhone. It is good debt if you want to borrow money to buy Apple stock now. There was an estimate from the Trefis Team at Forbes. It suggests that an increase from $340 which is its current price of 25 percent may happen soon.

Articles cited

CNBC

cnbc.com/id/41022331/

Wall Street Journal

online.wsj.com/article/BT-CO-20110111-710821.html

Forbes

blogs.forbes.com/greatspeculations/2011/01/10/iphone-eats-market-share-pushes-apple-stock-above-470/

Smart Company

smartcompany.com.au/information-technology/20110111-apple-stock-rises-as-rumours-fly-over-ipad-2-verizon-iphone.html

USD Prof. Alan Gin: San Diego no longer losing jobs

Consistent with the national trend of recession, San Diego County’s career outlook is not exactly as shiny as a new catamaran. Nevertheless, the avalanche of job loss in San Diego may have found a point of equilibrium, says University of San Diego economics professor Alan Gin. Considering how grim things have been economically, a net gain of 100 jobs over a 12-month period beginning in Nov. 2009 must be viewed in a optimistic light, reports the La Mesa Patch. The fact that people are also making on time payments on their payday loans more and more is also good news.

Soon to see a better economy for San Diego

The economic outlook isn't so bad in San Diego if you ask Professor Gin. A "really good number" will be featured in the national job report for December coming out on Friday which will be great for the San Diego economic recovery which is what Gin explained to the La Mesa-Foothills Democratic Club audience in his PowerPoint presentation that he did.

His monthly "index of leading economic factors" was referred to by Alan Gin. This is how he explained that there would be a 5 to 7 percent increase in home prices in San Diego this year. A net gain of 1,000 to 1,500 jobs will happen as well. This is what Gin says 2011 will be looking like. There were 70,000 jobs that were lost in just 2009 which means the city, after losing jobs for three whole years, can really use the increase like this.

The San Diego jobs that 2011 will show

Gin suggests that there are three fields in San Diego County that will grow the most in 2011. These would be hospitality, admin-support and health care. Yet it is defense/Homeland Security, biotech, communications and green technology businesses that are expected to be the driving forces of the area’s economy. EcoATM was one of the green tech companies mentioned by Gin in San Diego. He said that consumers can recycle old cell phones for store vouchers with this kiosk based business.

There isn't a super great GDP forecast

Significant growth in San Diego’s gross domestic product would be a welcome sign of high net job growth, but San Diego isn’t quite there, said Gin. In 2011, there is expected to be a 3 to 3.5 percent growth. Jobs won't become available all the sudden though. The higher unemployment isn't going up either with a consumer confidence level. There is also good news to know that there isn't a decline in spending, investing, hiring and payday lending anymore in San Diego.

"At this point, we’ve flattened out," said Gin.

Information from

Alan Gin's USD homepage

home.sandiego.edu/%7Eagin/

La Mesa Patch

lamesa.patch.com/articles/leading-economic-indicators-guru-things-are-not-falling-anymore

Alan Gin on San Diego avoiding the ‘double-dip’

Jared Loughner set to be arraigned for Tucson shooting

Loughner, the man suspected of carrying out the Tucson shooting rampage, is appearing in court on January 10. Murder and attempted murder could be involved in the list of charges he can be indicted on. He has not made any statements since he was taken into custody. He has not cooperated with investigators. He is probably going to be taking out a huge payday cash loan to pay for his legal team.

Court appearance for Jared Loughner for arraignment

The Tuscan, Arizona, shooting spree was something Jared Loughner has been accused of. January 10 he will have to go to court for arraignment. Loughner is 22 years old, reports the New York Times. Five federal charges including murder and attempted murder will be what Loughner is facing in court. State charges may be pending, and Robert Mueller, Director of the Federal Bureau of Investigation, has not ruled out filing charges of terrorism. Loughner has the right to remain silent under the Fifth Amendment. That means police and investigators haven't gotten information from him. Judy Clarke, who defended Tim McVeigh of the Oklahoma City bombing, Ted Kaczynski "Unabomber," and even Zacarias Moussaoui who was a 9/11 conspirator, is the federal public defender who will be defending Loughner.

Looking into the past

Jared Lee Loughner has a history of strange behavior and outbursts. Pima Community College had him suspended. Disruptive behavior was the reason. Five instances with campus police of him being unruly in behavior were shown. He had a former professor that came forward after hearing of the shooting of Congresswoman Gabrielle Giffords that had Loughner involved somehow. CBS reports this. After Loughner didn't get full credit for one late assignment, there was an incident that Debbie Scheidemantel recalled on "The Early Show". He then said that he deserved full credit for any late assignment. His First Amendment rights dictated it, he said. He was then pulled out of class. Campus police had to do this. There were videos on his YouTube page for Loughner that he put up. They are very odd.

Death penalty in his future

The arraignment will take place in the federal courthouse in Phoenix. The crimes that Loughner is accused of could get him the death penalty. Another that Clarke defended was Timothy McVeigh. He ended up getting the death penalty in 2005 for his crimes.

Citations

New York Times

nytimes.com/2011/01/10/us/10giffords.html?pagewanted=1&_r=1

CBS News

cbsnews.com/stories/2011/01/10/earlyshow/main7230271.shtml

Deluge in Australia continues as Brisbane floods worsen

The floods in Brisbane, Australia, are getting worse. The summer in the Southern hemisphere has produced a monsoon season, which has caused flooding in the state of Queensland. The flooding is the worst it has been in over a century. There are going to be mass sum of installment loans taken out to try and repair these damages.

More flooding in Brisbane now

The recent floods in Australia are set to worsen, as more incoming water is due to the city of Brisbane, according to The Telegraph. Brisbane is the largest city in the state of Queensland, which is in the northeast region of the continent of Australia. There was already a wet spring that was shown before the heavy rain that continued through the month of December. This is why the state of Queensland has been seeing flooding that is really bad. The flooding will continue after a terrible flash flood already hit Brisbane since the Brisbane river keeps swelling with rainwater. The city is the third largest in Australia with over 2 million. Over 9,000 homes may end up awash with water, and power will be shut off in the city for safety. When it comes to flooding, this is a terrible one. It is the worst in over a century that has been recorded.

Australia seeing bad news come with La Nina and hurricanes

There is a reason why there were really heavy rains in Australia during spring which began in September. This is because it is a La Nina year. In the beginning of December, flooding had already begun. Hurricane Tasha at Christmas just made it even worse. The tropical storm lashed Queensland with rain, swelling rivers and causing flash floods throughout the state in northeastern Australia. Fully one third of Queensland is under a state of emergency. Texas is about the same size as the area.

Brisbane braces

There is floodwater seen all over the Lockyer Valley region. This is where the location of Brisbane is. Swollen above its bank in the Brisbane river. There's a good chance the high tides and rain will keep the flooding going for a while. Flooding is set to continue in the third largest city in Australia, and recovery efforts could cost as much as $10 billion.

Articles cited

The Telegraph

telegraph.co.uk/news/worldnews/australiaandthepacific/australia/8252699/Brisbane-braces-itself-for-worst-floods-in-more-than-a-century.html

Timeline of Australia flooding on the Telegraph

telegraph.co.uk/news/worldnews/australiaandthepacific/australia/8251906/Australian-floods-timeline.html

Victoria payday loans

At Victoria’s Riverside park, baseball is a great game to pass the time. But if you are not a player, do you look out for line drives? If you lose focus when the ball streaks toward your jaw, do you at least think of the great health insurance you have? If that’s not what you’re doing, be prepared. Try Victoria pay day loan
for real relief.

You can get a Victoria cash advance for help too

All warmed up with a fastball to put the fire in your budget, Victoria personal loans go after unexpected expenses head on. Not only that, but it’s simple to apply. On the left of the page, you can find the online application at Personal Money Store. Only a few minutes of time will be needed to complete it. You will need ID, a telephone, a job paying regularly, an active bank account and are at least 18 years old to apply. Your chances are great with all those things though. You may be on a fixed income or in the military. You shouldn't worry though since you can still apply and are welcome.

Why you should get a Victoria cash advance

A Victoria payday loan is very helpful when you are having a hard time finding cash. If you have any financial problems, Victoria personal loans can help. You shouldn't be using Victoria installment loans to help financial issues that are long term. That why they’re also known as Victoria short term loans.

Did someone say ‘Victoria installment loans?’

Indeed we did. You will have more flexibility when you have Victoria installment loans such as these. A Victoria payday loan is one option where your loan would be paid back on your next paycheck. You can instead pay it off with installment payments over time if you get a Victoria installment loan. With an installment loan, you may protect yourself from having another financial problem. This can be really helpful.

The process for Victoria cash advance

It will only take a few minutes for you to apply online. In another few minutes, you'll have a response from a lender. You will get your Victoria personal loan deposited directly into your account. It will only a take a couple of hours to do. Because of the convenience, you will end up with a fee. It is only 15 to 30 percent of the principle though. You should apply!

Blue Shield of California puts the screws to customers

Medical insurance premiums have been out of control for many years, but evidently somebody forgot to send Blue Shield of California the memo. The Los Angeles Times reports that Blue Shield has stunned California policyholders with a offer to start insurance premium hikes as high as 59 percent on March 1. The change would affect tens of thousands of customers. This hike without any doubt will send numerous Blue Shield policyholders running for payday loans in order to pay their premiums. Source of article – Blue Shield of California wants 59 percent rate hike by MoneyBlogNewz.

The ruling on the Blue Cross that the Blue Shield of California needs to view

Californians hope that Blue Shield of California will learn from history. Less than a year ago, Anthem Blue Cross reportedly tried to make a 39 percent rate hike for 700,000 Californians stick, but the measure failed to pass. There will always be a concern for over-billing since the costs of health care just keep going up.

“We raise rates only when absolutely necessary to pay the accelerating cost of medical care for our members,” said a Blue Shield of California representative.

Between 30 and 35 percent for an insurance rate hike

There's usually a 30 to 35 percent increase for 193,000 Blue Shield of California customers on average even though it seems dramatic to create a 59 percent insurance premium. However, one in four customers would be affected by a 50-plus percent increase over the next five months.

There will be an early test for state Insurance Commissioner Dave Jones. This is all because of the premium increase from Blue Shield of California.

“Blue Shield’s increases poses the same problem posed by Anthem Blue Cross last year and other health insurers as well,” said Jones. “My hope would be that Blue Shield would reexamine these rate hikes, particularly in the face of the impact they are having on individual policyholders.”

Creative accounting

Even if Blue Shield of California’s health insurance premium hikes go into effect, success will not be immediate. The company will lose "tens of millions of dollars on individual business" in 2011. This is what Blue Shield spokesman Tom Epstein explained.

Citations

LA Times

latimes.com/health/healthcare/la-fi-insure-rates-20110106,0,6975599.story

Blue Shield needs more money to make commercials like this

youtube.com/watch?v=l5qZSsrJ4QA

Clonidine and military kids - Good or bad?

When military families split due to deployment, young kids are regularly left holding the emotional bag. As outlined by Army Times, this meltdown of the family unit has caused the number of psychiatric drugs like Clonidine prescribed by doctors to kids each year to skyrocket. This can mirror the number of active-duty servicemen and women who are on psychiatric meds. With so lots of people using psychiatric the costs of the prescription are sure to rise leaving numerous to seek out payday loans to obtain them. Post resource – Clonidine and the roller coaster of psychiatric meds for kids by MoneyBlogNewz.

Prescribing Clonidine for this

Clonidine is an agent that will decrease the heart rate and relax the blood vessels, the National Center for Biotechnology Information. ADHD, autism and anxiety are all treated with Clonidine often. Unfortunately, the side effects of sedation and irritability aren't worth it for many.

It doesn't matter what you believe in the debate. The fact that military children are being prescribed the drug much more often is still there. According to the Army Times, there have been a ton of psychiatric drugs given to military children. In fact, in 2009, there were 300,000 given alone. That figure is 18 percent higher than it was in 2005, and the under-18 military family population increased by less than 1 percent over that span. With antipsychotics, there has been a 50 percent increase in the number prescribed. A 40 percent increase has been shown in anti-anxiety drugs like Clonidine though.

Active duty forces have shown there to be an increase in the amount of psychiatric medications. Just since the Afghanistan war started, that number increase 76 percent.

Employment and re-integration being shown here

Structure is something children need according to most psychologists. Dr. Patricia Lester who is a University of California, Los Angeles psychiatrist explains that military children get really stressed with mom or dad getting deployed and them coming back for re-integration.

These cycles repeat over the course of a parent’s military career, an assertion that is borne out in mental health studies conducted such as the one conducted by the Rand Corp. The studied talked about children who had parents that left on more frequent, longer deployments. These children usually needed 20 percent more pediatric outpatient visits while also performing worse in school. This is turn leads to increased prescriptions of drugs like Clonidine and various anti-psychotics.

Psychiatrists who spoke with Army Times expressed concern over the growing trend of psychiatric prescriptions for children, and the increase among military children suggests that perhaps military families are having a difficult time managing.

Citations

armytimes.com/news/2011/01/military-children-taking-more-psychiatric-drugs-010211w/

National Center for Biotechnology Information

ncbi.nlm.nih.gov/pubmedhealth/PMH0000623

The Clonidine (and other meds) Song

youtube.com/watch?v=U6aI05-E9uI

Loan fraud from Maryland mortgage broker

The other day, one more mortgage broker was found guilty. He pleaded guilty in exchange for lowered sentencing. The broker is being charged by the U.S. Attorney for Maryland. These charges stem from a large number of fraudulent and phony mortgages and loans. This is an excellent example of why you should exercise caution when applying for personal loans and mortgages. Make sure you check out the loan provider thoroughly.

Maryland mortgage fraud

Several counts of mail fraud are what Maryland mortgage broker Douglas Skibicki pleaded guilty to. Skibicki admitted to many things. Apparently he "participated in a scheme to defraud lenders, family members, and banks." He applied for and received multiple mortgages and helped others receive mortgages under entirely fraudulent circumstances. Fraudulent appraisals, many times for empty lots, were made also with an appraiser that worked with Skibicki.

Bad for families to have installment loans taken out

The Maryland installment loans that Skibicki brokered were originally intended for families and businesses. These real estate loans were taken out as ways to refinance existing mortgages and get more financing out of existing properties. Empty lots would end up getting loans. Some would have minimal structures there. The homes were said to be three and four bedroom in size worth hundreds of thousands of dollars according to the appraisals. Skibicki got loans for families that they couldn't realistically pay back. The mortgage lenders and banks got false documentation.

Consequences mortgage fraud has

Though the mortgage fraud Skibicki has been charged with cost millions of dollars, he has been charged with mail fraud. Skibicki will not be able to do any short-term loan, financial or mortgage industry business because of a cease-and-desist order. Because Skibicki mailed the mortgage forms to lenders, the mail fraud charge is more severe. Skibicki may end up with 20 years in prison, having to forfeit $1.4 million property gains and may have to be fined twice the amount of any gains he has which will be determined in April this year.

Articles cited

Loan Safe

loansafe.org/maryland-mortgage-broker-pleads-guilty-to-loan-crimes

Nintendo 3DS could harm kid's eye advancement

Nintendo has pre-empted a potential issue with the 3DS system – even before the Nintendo 3DS release date. The eye tension problem with the 3DS system has a possibility of stunting eye development. All 3-D systems have this eye strain problem. This isn’t unique to the 3DS; but the Nintendo announcement is unique. Source for this article – Nintendo 3DS eye strain may be dangerous to children by MoneyBlogNewz.

What the Nintendo 3DS eye tension is about

On its site today, Nintendo warned of the possible 3DS eye strain. Long periods of time with the 3-D system getting looked at are not always very good. In fact, dizziness, seizures and nausea are all brought on by this strain. It is even bad to have 3-D systems used for long periods of time for small kids. Eye development might be stunted. For a long time, the brain focuses on two different images by force. Soon, the ability to look at one image with the correct depth perception is lost.

Nintendo 3DS difficulties to fix

In the United States, the Nintendo 3DS release date is getting closer. You will find recommendations Nintendo has for parents when getting it. First, the company suggests parent’s limit their kid’s playing time to no more than an hour a day, with breaks after 30 minutes. The 3D function could be password protected with the 3DS as well. The 3-D televisions have gotten the medical industry involved in warnings. These warnings contain not watching 3D images for too long if you are intoxicated or when you have trouble with eye sight.

Will the Nintendo 3DS stop marketing with the eye tension?

Just before the 3DS has even released, the eye strain issue has been brought forth. This is why several say the $300 device might not sell as well. The Nintendo warning might be good for marketing though, according to public relations consultants. You will find warnings with 3-D televisions whenever you get them about not watching the product for too long. They end up someplace in the user guide where you cannot discover it. Several want to know if the Nintendo goods will sell better with the Nintendo 3DS eye tension warning or if it is going to kill sales entirely. What do you think?

Articles cited

CNN

cnn.com/2010/TECH/gaming.gadgets/12/30/Nintendo.3ds.kids/index.html?npt=NP1

Bnet

bnet.com/blog/gadget-guy/Nintendo-8217s-health-warning-on-3d-game-good-pr/1252

More groups of deceased birds show up in Louisiana

Recently, accounts came out concerning dead birds dropping from the air in Arkansas. Days later, comparable incidents of dead birds are occurring in Louisiana. Only a few hundred miles and couple of days separated the 2 incidents, which is an eerie coincidence. Testing is beginning to be done, so the cause is unknown as yet. The testing is going to require a cash advance to complete. Source of article – More flocks of dead birds show up in Louisiana by MoneyBlogNewz.

Finding deceased birds in Louisiana following Arkansas

There have been reports of large quantities of birds dropping. Louisiana skies have been subject to the deceased birds now too. The event took place just days following the small town of Beebe, Ark., saw several thousand blackbirds drop out of the sky on New Years’ Eve. Over 500 blackbirds, starlings and sparrows all fell from the sky on a stretch of interstate that is near Labarre, Louisiana, reports CNN, which is in Pointe Coupee Parish. The plunge did not kill all the birds. They did all die though. About 300 miles south of Beebe, Ark., or where the dead birds were found first, was where the rain of birds taken place. The incidents might be connected. The birds from both have been sent for testing.

Arkansas birds die because of tension

In AR, there was tension that brought on the birds to fall from the sky. This is what an autopsy of the birds reveals. There was trauma to the breast tissue that was very physical. This is what the AR Game and Fish Commissioner explained. There was internal bleeding found in the majority of the birds. There was not a disease. It is unlikely at this point.

Seeing a variety of raining birds

A cold weather and storm front is moving through that part of the country, and weather events for instance hail or lightning could easily kill large groups of birds. The first event might have had fireworks as part of what happened since birds in flight have trouble with loud noises, although there is no connection to the second event.

Information from

CNN

us.cnn.com/2011/US/01/03/arkansas.falling.birds/index.html?hpt=T2