সোমবার, ২৮ নভেম্বর, ২০১১

Do-It-Yourself (DIY) Investor: Long Term Care Insurance

As one who concentrates on investments and portfolio management, I am very much aware that the process is carried out within the context of an overall plan. Plainly put, the investment program can be the exact fit for a client in terms of overall assets, risk tolerance, retirement goals, etc. but something else can be totally out of kilter - sort of like a well-fitted suit with a long loose thread hanging from the jacket sleeve. Such a thread for the DIY investor can be that taboo of subjects - Long-Term Care.

The issue here is very simple. It has to do with "...The best laid plans of ...." Again, everything can be in place; but then a need for long-term medical assistance can throw everything out of whack. The problem is that long-term care is expensive, as will be detailed in the following video. Think about it like this: suppose you move into the house of your dreams but you don't have homeowners insurance. Then, the house burns down. That could be the situation if you work hard to build the nest egg to the appropriate size and then need long-term care.

Long-term care is expensive. One thing some creative families have done is to have? children or other potential beneficiaries pitch in to pay the annual premium.? After all, in many cases, it is potentially an insurance on their likely inheritance.

I recommend watching the following excellent video by Christine Benz, Morningstar's Director of Personal Finance. Ms. Benz has a talent for explaining complex topics.

If you need specific info (and live in the Baltimore area) on choices available for you and their costs or even whether LTC is appropriate in your specific case, I would recommend meeting with Sharon Kreiger. sharon.kreiger@ltcfp.net? (223-275-1764). Ms. Kreiger's philosophy is to start with a meeting to basically educate a potential client on LTC.

Source: http://rwinvesting.blogspot.com/2011/11/long-term-care-insurance.html

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Skiing: Canada's Harvey, Kershaw finish strong in Finland

Canadians Alex Harvey and Devon Kershaw each cracked the top 10 in the final stage of a three-day cross-country skiing mini-tour on Sunday in Kuusamo, Finland.

Harvey, of St-Ferreol-les-Neiges, Que., placed seventh in the 15-kilometre classic-ski pursuit race and ended the three day competition in 11th spot. On Sunday he posted a time of 38 minutes 21.2 seconds.

?It was nice to bounce back today after not doing so great in the last two races,? Harvey said in a news release. ?Usually with individual starts I start out very conservative, but today I chased really hard right from the beginning. I was hurting on the fourth lap but the final two laps were really good. The whole strategy is to always catch the group in front of you and pass as many guys as you can.?

Kershaw, of Sudbury, Ont., was eighth on Sunday in 38:22.5 and was 20th overall. It was a good result for Kershaw, who?s had a slow start to the season.

?For me, I needed that race really badly. It was super important for me,? Kershaw said. ?I was pretty down and it is hard not to freak out when things aren?t going right, but I knew I had done good training and you have to maintain perspective and stay positive. It is nice to have a decent result in the top 10 and it is good confirmation for sure.?

Alexey Poltoranin of Kazakhstan posted the fastest time of the day at 37:42.8. Norway?s Eldar Roenning was second at 37:51.5, while Sweden?s Daniel Rickardsson was third in 38:11.3.

Norway?s Petter Northug won the overall competition, Switzerland?s Dario Cologna finished second and Roenning was third.

Norwegian athletes chalked up the top three times of the day in the women?s 10-kilometre pursuit. Therese Johaug set the time to beat at 27:51.4, while Marit Bjoergen was second at 28:00.1 and Vibeke Skofterud third with a time of 28:16.4.

Olympic gold medallist Chandra Crawford of Canmore, Alta., was the top Canadian woman in 54th at 30:45.9.

The Norwegians also swept the overall podium. Bjoergen finished on top, while Johaug was second and Skofterud third.

? Copyright (c) Postmedia News

Source: http://feeds.canada.com/~r/canwest/F260/~3/KnCTbLHYlSY/story.html

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রবিবার, ২৭ নভেম্বর, ২০১১

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Video: Authors on America's financial crisis to faltering education (cbsnews)

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President Obama Addresses the Nation (ABC News)

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A 'bizarre' saga for British ex-CEO of Olympus (AP)

TOKYO ? When Michael Woodford took Olympus Corp.'s top job after three decades of toil for the Japanese camera maker, he knew the business inside out ? or so he thought.

Months later he compared himself to a character in a fictional thriller as his whistleblowing of massive corporate deception puts him at the center of investigations spanning three continents.

"I feel myself in this John Grisham novel," the 51-year-old Briton said Friday to a packed house at the Foreign Correspondents' Club of Japan. "Flying to New York to meet the FBI. References to organized crime. Boardroom conflicts. Character assassination. The whole thing has been a bizarre way to live."

Woodford, who was fired as CEO of Olympus last month but remains a director, returned to Japan this week to meet with prosecutors, police and regulators and to face the board for the first time since his firing and self-exile in England.

Then-President Tsuyoshi Kikukawa asked Woodford to become president last year, admiring his work running the company's European business.

Their relationship quickly deteriorated as Woodford began sniffing in dark places that Kikukawa did not want exposed. Prompted by an expose in a small Japanese magazine called Facta, Woodford wanted answers to alarmingly high price tags for dubious acquisitions and $687 million paid to an obscure Wall Street firm for financial advice. The magazine even suggested there might be links to the yakuza ? Japan's mafia.

Instead, board members voted to fire him on Oct. 14, after six months on the job. They blamed cultural differences. Woodford didn't understand Japan. He didn't spend enough time here. He hated Japan.

Woodford, who said he loves Japan, called it "black propaganda" by Olympus. He decided to fight back by going public with what he knew.

His revelations triggered one of the biggest scandals to ever hit corporate Japan. Olympus has since admitted that massive payments were used to cover up investment losses dating to the 1990s.

Kikukawa stepped down as president on Oct. 26 and was replaced by Shuichi Takayama. The company blamed the accounting scheme on Kikukawa, former executive vice president Hisashi Mori and ex-auditor Hideo Yamada. They all resigned from the board Thursday.

The company has established a third-party panel to investigate. Meanwhile, authorities on three continents are conducting their own inquiries. Olympus faces potential delisting if it can't report its revised earnings by Dec. 14.

Woodford suspects that in choosing a gaijin, or foreigner, Kikukawa was just looking for someone who could produce cash and profits.

"Doing that would start to push those horrible secrets and things further into the past," he said Friday. "We'd be successful. He'd be acclaimed personally as somebody who had great vision to choose the gaijin salaryman who became president."

The strategy has certainly worked for a handful of other Japanese companies.

Sony Corp. is led by Welsh-born CEO Howard Stringer. Nissan Motor Co.'s CEO is Carlos Ghosn, who is Lebanese-Brazilian-French. Both men are credited with implementing major restructuring and cost cuts to bring their companies out of the red.

Their status as outsiders was hailed as a key reason for their success. Business schools study Ghosn's efforts, and he has even been depicted as a comic book hero.

But Stringer and Ghosn never had to deal with the level of wrongdoing that Woodford discovered.

The Briton met this week to discuss his discoveries with the Tokyo District Public Prosecutors Office, the Tokyo Metropolitan Police Department and the Securities and Exchange Surveillance Commission.

The board meeting Friday morning was tense but civilized and constructive, he told reporters. He didn't get an apology or any handshakes, but the group agreed that it needed to prevent Olympus from being delisted by the Tokyo Stock Exchange.

Takayama, the new president, issued a statement Thursday that the leadership is prepared to resign "as soon as we see Olympus taking the road to recovery."

The statement and the meeting convinced Woodford that "there was a recognition that the remaining directors at some point need to go." The group did not discuss a timetable nor the possibility of reinstating Woodford.

The scandal has cast a harsh light on Japanese corporate governance, which has been repeatedly criticized as lagging global standards. Japanese corporate practices, such as cross shareholding, in which friendly companies hold shares in each other, worked to silence opposition, he said.

"There's lots of good companies with lots of good products and value," Woodford said. "But they're run by mediocre boards or worse."

That has left Japanese companies falling behind globally against nimble and aggressive rivals like South Korea. Woodford expressed confidence in Olympus' core strengths and said it can move forward if it cleans house, sheds unprofitable businesses and conducts a thorough investigation.

Woodford is not itching to return but would if asked by shareholders, he said. He acknowledged it might not be a popular idea with everyone because he's "shaken the tree and the monkeys have fallen out, and a few gorillas."

"If Japan doesn't want me, then has Japan changed?" Woodford said. "It doesn't have to be me personally, but it does need people who are going to challenge, scrutinize, say 'Why are we doing that? We should stop that.'"

Foreigners might not want to sign up after Woodford's recent saga.

"Do you think after my experience they're going to be queuing up?" he said with a laugh.

__

Follow Tomoko A. Hosaka on Twitter at http://twitter.com/tomokohosaka

Source: http://us.rd.yahoo.com/dailynews/rss/britain/*http%3A//news.yahoo.com/s/ap/20111125/ap_on_bi_ge/as_japan_olympus

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German police, demonstrators clash at nuke protest (AP)

BERLIN ? Police used water cannons to disperse about 300 protesters hurling rocks and fireworks during an attempt to disrupt a shipment of nuclear waste in northern Germany on Saturday, officials said.

About 50 activists also tried to sabotage the rail tracks that will be used by a train this weekend to transport the nuclear waste to the storage facility near the northern town of Gorleben, police spokesman Stefan Kuehm-Stoltz said.

Several thousand protesters gathered in the town of Dannenberg to hold a peaceful protest rally, police said. Organizers put the figure at 23,000.

Northeast of Dannenberg, at least 1,200 people later broke through police ranks and staged a sit-in on rail tracks in an area of dense forest, police said. Organizers said around 2,000 people were blocking the tracks.

Several hundred officers were deployed to the scene to carry the protesters away, which was expected to take several hours, police spokesman Martin Ackert said.

On Friday, police clashed with some 200 protesters near Dannenberg, leaving about 20 officers injured.

The train carrying the shipment of 11 containers of nuclear waste reprocessed at France's La Hague facility entered western Germany on Friday after delays in France, where activists damaged railway tracks in an attempt to halt the cargo.

The shipment is expected to reach its destination sometime over the weekend. Some 20,000 German police officers are on hand.

Nuclear energy has been unpopular in Germany since fallout from the 1986 Chernobyl disaster in Ukraine drifted over the country. The annual shipment from France has been a traditional focal point for protesters.

This is the first shipment, however, since Chancellor Angela Merkel decided to speed up shutting down all of Germany's nuclear plants, with the last one scheduled to go offline by 2022, following safety questions raised after the disaster at the Fukushima plant in Japan.

Activists in Germany say the waste containers, and the temporary storage facility near Gorleben, are not safe.

Germany has not yet decided where such waste, which remains radioactive for thousands of years, should be stored permanently.

Source: http://us.rd.yahoo.com/dailynews/rss/europe/*http%3A//news.yahoo.com/s/ap/20111126/ap_on_re_eu/eu_germany_nuclear_waste

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#OWS: The Shocking Truth about Naomi Wolf?s Journalistic Hackery (Balloon Juice)

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শনিবার, ২৬ নভেম্বর, ২০১১

91% The Descendants

All Critics (134) | Top Critics (41) | Fresh (122) | Rotten (12)

One of the year's best films, a bubbly meditation on family and responsibility that weighs just enough to matter.

With so many balls in the air the temptation is to rush from one plot strand to another, but Payne takes the opposite approach. He also captures the complexity of emotional reactions that grief stirs.

It's a lovely, heartfelt character study of common, everyday people trapped on the horns of an uncommon but not unheard-of dilemma.

The latest exhibit in Payne's careful dissection of the beached male, which runs from Matthew Broderick's character in "Election" to Jack Nicholson's in "About Schmidt" and Paul Giamatti's in "Sideways."

This mature, well-acted dramatic comedy is deeply satisfying, maybe even cathartic.

A tough, tender, observant, exquisitely nuanced portrait of mixed emotions at their most confounding and profound -- all at play within a deliciously damp, un-touristy Hawaii that's at once lush and lovely to look at.

What's so special about Payne's approach in The Descendants is how acutely observed and subtle the movie is, especially since the previews are selling it as a broader, more absurd comedy.

If you see The Descendants, see it for Clooney (and Woodley), but don't believe the hype that it's one for the ages.

A lot of The Descendants is affecting, but its mushier tone is often less emotionally resonant than the bitter sarcasm of Payne's earlier work.

This unforgettable movie succeeds by making audiences feel like a part of the family. Clooney knocks it out of the park with a marvelous performance. Woodley makes a strong bid for a supporting actress nomination. The supporting players are all given...

Here's where I am right now: The Descendants is the best movie of 2011. It is the movie of the year, in many ways beyond its simple superlative overall excellence.

(Clooney) is at the top of his game in his scenes alone with the comatose Elizabeth. Asking questions that are unable to be answered, his pain at his loss and her betrayal is heartbreaking.

Audiences will argue about whether it's a comedy or a drama, but they'll agree they saw a wonderful film.

The Descendants finds Payne, now 50, having arrived in midlife with a new maturity, eschewing solipsism and snickers for a deeper engagement with the world.

Clooney has never been better, displaying more range and less actor-ego than ever before... The Descendants would still be a splendid movie without him; with Clooney, it's one of 2011's very best.

It's good, but far less than you'd expect from the guy who started his career with the gleefully provocative Citizen Ruth and Election.

In the hands of writer-director Alexander Payne, Clooney has rarely seemed so much at home.

There are ample opportunities for the film to soak in pathos, righteousness, farce, or pictorialism, and Payne manages to nod at those pitfalls without falling into them.

An emotionally ennobling film that wears its compassion on the sleeve of its ugly Hawaiian print shirts.

Payne displays a knack for both perfect casting and using his lead actor in sometimes unconventional, unexpected ways

Director Alexander Payne prefers to start a movie with one strike against him. He always picks a dislikable protagonist... Then, as he slowly gives characters self-awareness, he gives us reasons to watch and care about them.

In playing an everyman stranded between anger and duty, Clooney earns an emotional payoff that a lesser actor would simply demand.

An introspective and heartwarming film, unafraid to convey its story with pleasing simplicity.

It's Clooney and Woodley's movie, as they become a team before our eyes.

More Critic Reviews

Source: http://www.rottentomatoes.com/m/the_descendants_2011/

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Oil near $97 amid light Thanksgiving volume

(AP) ? Oil prices rose slightly to near $97 a barrel Thursday in Asia amid light trading volume ahead of a U.S. holiday.

Benchmark crude for January delivery was up 43 cents at $96.60 a barrel at late afternoon Singapore time in electronic trading on the New York Mercantile Exchange. The contract fell $1.84 to settle at $96.17 in New York on Wednesday.

Brent crude for January delivery rose 50 cents to $107.52 a barrel on the ICE Futures Exchange in London.

Markets in the U.S. are closed Thursday for the Thanksgiving holiday.

Crude has fallen from above $103 last week amid investor concern that Europe's debt crisis will undermine global economic growth and oil demand.

However, crude inventories have dropped in recent months in the U.S. and Europe. Crude supplies fell by 6.2 million barrels last week and are about 8 percent below year-earlier levels, the Energy Department's Energy Information Administration said Wednesday.

"The low inventory situation has prevented oil prices from falling sharply," Bank of America Merrill Lynch said in a report. "But eventually, deteriorating financial conditions could start to impact economic activity and bring oil prices somewhat lower."

Bank of America said it expects Brent crude to average $104 in the first quarter of next year.

Some analysts predict robust growth in demand for commodities from developing countries will outstrip production capacity increases and push prices higher.

"We believe that the oil market has been too focused on the downside risks to prices and not focused enough on the upside risk should the economy avoid recession," Goldman Sachs said in a report.

In other Nymex trading, heating oil rose 1 cent to $2.98 per gallon and gasoline futures gained 2.4 cents to $2.54 per gallon. Natural gas was steady at $3.61 per 1,000 cubic feet.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2011-11-24-Oil-Prices/id-88540cd5bbbd4a3ebfe15ba94fed5457

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SiriProxy enables voice control of third-party apps (video)

If you'll rewind your mind in time to earlier this week, you might remember a clever proxy server from @plamoni that enabled Siri's control of a thermostat through spoken commands. Now, the same bit of engineering has been exploited to enable voice control of third-party applications. In this example, FastPdfKit Reader is manipulated by various commands with SiriProxy acting in the middle. A plugin is used to add new commands to the ones recognized by Siri, and finally, the proxy then sends the final commands to the app. Those hoping to get hacking will find a complete list of instructions from the source link below. For everyone else, you'll find the true magic after the break.

Continue reading SiriProxy enables voice control of third-party apps (video)

SiriProxy enables voice control of third-party apps (video) originally appeared on Engadget on Thu, 24 Nov 2011 22:07:00 EDT. Please see our terms for use of feeds.

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Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/4oShu7QFWDI/

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India opens more to foreign multibrand retailers (AP)

NEW DELHI ? India's Cabinet decided Thursday to allow more direct foreign investment in the nation's huge retail industry, a move that could strengthen the country's food supply chain and open India to giant global retailers such as Wal-Mart.

The Cabinet approved 51 percent foreign direct investment in multibrand retail and increased the FDI cap in single-brand retail to 100 percent despite resistance from both allies and opposition parties.

India currently allows 51 percent foreign investment in single-brand retailers and 100 percent for wholesale operations.

Top retailers like Wal-Mart, Carrefour, Tesco and IKEA have long lobbied to free the policy further. Foreign multibrand retailers have Indian partners in wholesale operations now but have no retail presence in the country of 1.2 billion people.

The spokesman for the ruling Congress party, Abhishek Manu Singhvi called the decision "centrist and reasonable." He was speaking to NDTV news channel.

The main opposition, the rightwing Bharatiya Janata Party, decried the move.

"The government has clearly bowed to international pressure," Chandan Mitra, a spokesman told the same TV channel.

Wal-Mart, British-based Tesco PLC and French-based retailer Carrefour welcomed the decision.

"We believe that allowing 51 percent FDI in multi-brand retail is a first important step," Raj Jain, president of Walmart India, said in an e-mailed statement. "However, we will need to study the conditions and the finer details of the new policy and the impact that it will have on our ability to do business in India," the statement added.

"Allowing foreign direct investment in retail would be good news for Indian consumers and businesses, and we await further details on any conditions," Tesco said in its statement.

Tesco currently has a franchise arrangement with Tata Group's Star Bazaar hypermarket chain, supplying merchandies to outlets in India.

Carrefour opened a New Delhi store last year and would not say what explansion plans might lie ahead.

"This legal evolution should contribute to modernize the Indian food supply chain and to fight against food inflation for the benefit of Indian customers," its statement said. It added the decision would help India's farmers and the nation's general economic development.

Ashish Sanyal, managing director of AMP Retail Services Pvt. Ltd, said, "It's a good decision that will benefit everyone." He is a consultant who helps retailers enter India.

More details on the Cabinet decision were not immediately available.

India's $400 billion retail market is the nation's second-largest employer, after agriculture, according to consulting firm Deloitte.

Advocates see the move as a way to strengthen India's almost absent food supply chain ? which is so beset by spoilage, poor infrastructure, hoarding and middlemen that the government estimates some 30 percent of produce rots in a nation with soaring food costs and tens of millions who go to bed hungry each night.

If companies like Wal-Mart and Tesco are allowed to open shops of their own, they may invest billions in improving farming techniques and getting produce into stores more efficiently, bringing down food inflation ? which has averaged 10.5 percent over the last year ? and possibly improving rural incomes.

The Ministry of Commerce says it will cost 76.9 billion rupees ($1.7 billion) to build the additional 35 million metric tons of food storage India needs.

In a July paper, it suggested that loosening restrictions on foreign investment in India's retail sector could be the best way to get more storage space built.

Yet the country has struggled to find consensus because of concerns about what it would mean millions of small shopkeepers as well as the poor.

Sanyal said small businesses had nothing to fear.

"At the end of the day this is like the high tide. All boats will rise. We will learn from the big retailers."

Political deadlock on long-promised reforms like this has helped cool foreign investor interest in India. Policymakers are under acute pressure to find ways to attract foreign currency to help strengthen the rupee, which hit an all-time low against the dollar this week.

Traders say the central bank has been buying rupees in recent days but those measures are unlikely to reverse the currency's plunge absent more far-sighted policy reform.

In July, this year a government committee studying multi-brand retail had cleared the idea and suggested $100 million as minimum investment for foreign companies.

The discussions on opening up India's retail sector have been going on for 10 years.

"There is a limit to how much time we can spend on a decision," Singhvi said.

Source: http://us.rd.yahoo.com/dailynews/rss/asia/*http%3A//news.yahoo.com/s/ap/20111124/ap_on_bi_ge/as_india_retailers

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Five-Star Fridays (Theagitator)

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Kim Kardashian?s holidays will not be televised, we?re shocked to say

Sources say the Kardashian klan was in talks to produce a festive Kardashian Khristmas special on E!, but the idea has been scrapped since Kim?s divorce from Kris Humphries. An insider says apart from the unhappy split, family members including sisters Kourtney and Khloe, brother Rob, and parents Kris and Bruce Jenner had ?too many [...]

Source: http://www.celebritymound.com/kim-kardashian%e2%80%99s-holidays-will-not-be-televised-we%e2%80%99re-shocked-to-say/?utm_source=rss&utm_medium=rss&utm_campaign=kim-kardashian%25e2%2580%2599s-holidays-will-not-be-televised-we%25e2%2580%2599re-shocked-to-say

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শুক্রবার, ২৫ নভেম্বর, ২০১১

Review: Samsung Chromebook for Your Small Business

Have you noticed lately that many laptops? screens are almost as big as desktop monitors? No doubt you can find a small and lightweight one, but some of the least expensive laptops are huge. I went searching for lighter and slimmer solutions for the mobile small business owner. The Samsung Chromebook offers an interesting option and is the focus of this review. Samsung provided a 30-day loaner unit for this review.

If you?re not familiar with the new Chromebooks, you may find this review interesting and these machines a good alternative to more powerful, and expensive, computers. The Chromebook is a laptop that runs only the Chrome browser from Google. That?s it. No operating system of any type that you may have seen before. It starts up in 8 seconds-yes, only 8 seconds.

The closest device I?ve seen to rival its weight, speed and design is the MacBook Air. However, before the Mac community flips out, let me say the Chromebook is clearly not a MacBook Air. But if you live your life in Web applications for the most part, then this device may save you money and save your back from toting larger laptops.

What I really like:

  • Light and fast. Did I already mention that?
  • WiFi but also 3G access (free 2-year 100Mb per month plan from Verizon, then based on a pay-as-you-go option).
  • Multiple user profiles so your employees can just grab it and start working. I could see a bunch of these stacked in a warehouse or in a place like thinkspace, which is a shared office environment for entrepreneurs.
  • Up to 8.5 hours of continuous use. Granted, that?s because you are running a browser and no traditional apps, but that rivals an iPad with a separate keyboard.

What I?d like to see:

  • A little bit more work on the keyboard and mouse. It was sometimes a little jerky with the touchpad.
  • A bit of work to make Chrome more user-friendly as an OS ? you can download PDFs and files, but it isn?t easy to figure out how to get to them. This is not a Samsung Chromebook issue, by the way, so no criticism of them here. Chrome as an operating system is disorienting until you realize, and let it sink in, that it?s all you have. It takes a few minutes to wrap your head around.

Many small businesses don?t need more than a browser-based solution. The Samsung Chromebook is a solid contender for your technology purchase budget. With the many, many apps on Google?s marketplace, you can run your business from the Web.

With prices starting around $429 (at publication time), you get a device that rivals the more powerful netbooks on the market (less power, less cost), minus the full-scale OS and traditional apps. Like everything in business today, in my humble opinion, you have to take a closer look at why and how you operate your company.

Do you need to spend $1,000-plus on a simple laptop? Do you need a more powerful desktop? It?s fine if you do, but the options exist to reduce costs with machines like these.

Learn more about the Samsung Chromebook.

About the Author

TJ McCue TJ publishes Tech Biz Talk, a site that reviews business apps of all types and provides how-to posts and tutorials. Share your application or service at his Facebook page and share details about your company/app in the comments below. TJ actively studies all searching for new apps to write about. Learn more about TJ.

?

Source: http://smallbiztrends.com/2011/11/samsung-chromebook-product-review.html

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Physicists set strongest limit on mass of dark matter

Physicists set strongest limit on mass of dark matter [ Back to EurekAlert! ] Public release date: 23-Nov-2011
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Contact: Richard Lewis
Richard_Lewis@brown.edu
401-863-3766
Brown University

PROVIDENCE, R.I. -- If dark matter exists in the universe, scientists now have set the strongest limit to date on its mass.

In a paper to be published on Dec. 1 in Physical Review Letters (available in pdf), Brown University assistant professor Savvas Koushiappas and graduate student Alex Geringer-Sameth report that dark matter must have a mass greater than 40 giga-electron volts in dark-matter collisions involving heavy quarks. (The masses of elementary particles are regularly expressed in terms of electron volts.) Using publicly available data collected from an instrument on NASA's Fermi Gamma-ray Space Telescope and a novel statistical approach, the Brown pair constrained the mass of dark matter particles by calculating the rate at which the particles are thought to cancel each other out in galaxies that orbit the Milky Way galaxy.

"What we find is if a particle's mass is less than 40 GeV, then it cannot be the dark matter particle," Koushiappas said.

The observational measurements are important because they cast doubt on recent results from dark matter collaborations that have reported detecting the elusive particle in underground experiments. Those collaborations DAMA/LIBRA, CoGeNT and CRESST say they found dark matter with masses ranging from 7 to 12 GeV, less than the limit determined by the Brown physicists.

"If for the sake of argument a dark matter particle's mass is less than 40 GeV, it means the amount of dark matter in the universe today would be so much that the universe would not be expanding at the accelerated rate we observe," Koushiappas said, referring to the 2011 Nobel prize in physics that was awarded for the discovery that the expansion of the universe is accelerating.

Independently, the Fermi-LAT collaboration arrived at similar results, using a different methodology. The Brown and Fermi-LAT collaboration papers will be published in the same issue of Physical Review Letters.

Physicists believe everything that can be seen planets, stars, galaxies and all else makes up only 4 percent of the universe. Observations indicate that dark matter accounts for about 23 percent of the universe, while the remaining part is made up of dark energy, the force believed to cause the universe's accelerated expansion. The problem is dark matter and dark energy do not emit electromagnetic radiation like stars and planets; they can be "seen" only through their gravitational effects. Its shadowy profile and its heavy mass are the main reasons why dark matter is suspected to be a weakly interacting massive particle (WIMP), which makes it very difficult to study.

What physicists do know is that when a WIMP and its anti-particle collide in a process known as annihilation, the debris spewed forth is comprised of heavy quarks and leptons. Physicists also know that when a quark and its anti-quark sibling annihilate, they produce a jet of particles that includes photons, or light.

Koushiappas and Geringer-Sameth in essence reversed the annihilation chain reaction. They set their sights on seven dwarf galaxies which observations show are full of dark matter because their stars' motion cannot be fully explained by their mass alone. These dwarf galaxies also are largely bereft of hydrogen gas and other common matter, meaning they offer a blank canvas to better observe dark matter and its effects. "There's a high signal-to-noise ratio. They're clean systems," Koushiappas said.

The pair analyzed gamma ray data collected over the last three years by the Fermi telescope to measure the number of photons in the dwarf galaxies. From the number of photons, the Brown researchers were able to determine the rate of quark production, which, in turn, allowed them to establish constraints on the mass of dark matter particles and the rate at which they annihilate.

"This is the first time that we can exclude generic WIMP particles that could account for the abundance of dark matter in the universe," Koushiappas said.

Geringer-Sameth developed the statistical framework to analyze the data and then applied it to observations of the dwarf galaxies. "This is a very exciting time in the dark matter search, because many experimental tools are finally catching up to long-standing theories about what dark matter actually is," said Geringer-Sameth, from Croton-on-Hudson, N.Y. "We are starting to really put these theories to the test."

###

The National Science Foundation funded the research.



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Physicists set strongest limit on mass of dark matter [ Back to EurekAlert! ] Public release date: 23-Nov-2011
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Contact: Richard Lewis
Richard_Lewis@brown.edu
401-863-3766
Brown University

PROVIDENCE, R.I. -- If dark matter exists in the universe, scientists now have set the strongest limit to date on its mass.

In a paper to be published on Dec. 1 in Physical Review Letters (available in pdf), Brown University assistant professor Savvas Koushiappas and graduate student Alex Geringer-Sameth report that dark matter must have a mass greater than 40 giga-electron volts in dark-matter collisions involving heavy quarks. (The masses of elementary particles are regularly expressed in terms of electron volts.) Using publicly available data collected from an instrument on NASA's Fermi Gamma-ray Space Telescope and a novel statistical approach, the Brown pair constrained the mass of dark matter particles by calculating the rate at which the particles are thought to cancel each other out in galaxies that orbit the Milky Way galaxy.

"What we find is if a particle's mass is less than 40 GeV, then it cannot be the dark matter particle," Koushiappas said.

The observational measurements are important because they cast doubt on recent results from dark matter collaborations that have reported detecting the elusive particle in underground experiments. Those collaborations DAMA/LIBRA, CoGeNT and CRESST say they found dark matter with masses ranging from 7 to 12 GeV, less than the limit determined by the Brown physicists.

"If for the sake of argument a dark matter particle's mass is less than 40 GeV, it means the amount of dark matter in the universe today would be so much that the universe would not be expanding at the accelerated rate we observe," Koushiappas said, referring to the 2011 Nobel prize in physics that was awarded for the discovery that the expansion of the universe is accelerating.

Independently, the Fermi-LAT collaboration arrived at similar results, using a different methodology. The Brown and Fermi-LAT collaboration papers will be published in the same issue of Physical Review Letters.

Physicists believe everything that can be seen planets, stars, galaxies and all else makes up only 4 percent of the universe. Observations indicate that dark matter accounts for about 23 percent of the universe, while the remaining part is made up of dark energy, the force believed to cause the universe's accelerated expansion. The problem is dark matter and dark energy do not emit electromagnetic radiation like stars and planets; they can be "seen" only through their gravitational effects. Its shadowy profile and its heavy mass are the main reasons why dark matter is suspected to be a weakly interacting massive particle (WIMP), which makes it very difficult to study.

What physicists do know is that when a WIMP and its anti-particle collide in a process known as annihilation, the debris spewed forth is comprised of heavy quarks and leptons. Physicists also know that when a quark and its anti-quark sibling annihilate, they produce a jet of particles that includes photons, or light.

Koushiappas and Geringer-Sameth in essence reversed the annihilation chain reaction. They set their sights on seven dwarf galaxies which observations show are full of dark matter because their stars' motion cannot be fully explained by their mass alone. These dwarf galaxies also are largely bereft of hydrogen gas and other common matter, meaning they offer a blank canvas to better observe dark matter and its effects. "There's a high signal-to-noise ratio. They're clean systems," Koushiappas said.

The pair analyzed gamma ray data collected over the last three years by the Fermi telescope to measure the number of photons in the dwarf galaxies. From the number of photons, the Brown researchers were able to determine the rate of quark production, which, in turn, allowed them to establish constraints on the mass of dark matter particles and the rate at which they annihilate.

"This is the first time that we can exclude generic WIMP particles that could account for the abundance of dark matter in the universe," Koushiappas said.

Geringer-Sameth developed the statistical framework to analyze the data and then applied it to observations of the dwarf galaxies. "This is a very exciting time in the dark matter search, because many experimental tools are finally catching up to long-standing theories about what dark matter actually is," said Geringer-Sameth, from Croton-on-Hudson, N.Y. "We are starting to really put these theories to the test."

###

The National Science Foundation funded the research.



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


Source: http://www.eurekalert.org/pub_releases/2011-11/bu-pss112311.php

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Egypt protesters battle on to end army rule (Reuters)

CAIRO (Reuters) ? Egypt's army chief, seeking to defuse street protests that have left 37 dead, promised a swifter handover to civilian rule but failed to convince thousands of hardcore demonstrators, some of whom battled police through the night.

One man was killed in clashes early on Wednesday in the second city Alexandria, one of several towns that saw unrest.

Field Marshal Mohamed Hussein Tantawi, who has run the ruling military council since mass protests unseated his long-time ally Hosni Mubarak in February, made a faltering televised address on Tuesday in which he promised a civilian president would be elected in June, about six months sooner than planned.

Confirming Egypt's first free parliamentary election in decades will start on Monday, the council also accepted the resignation of the civilian prime minister and his cabinet, who had incensed democrats with a short-lived proposal that the army remain beyond civilian control under any new constitution.

But Tantawi angered many of the youthful demonstrators on Cairo's Tahrir Square and in other cities by suggesting a referendum on whether military rule should end earlier - a move many saw as a ploy to appeal to the many Egyptians who fear further upheaval and to divide those from the young activists.

"Leave! Leave!" came the chants in Cairo and, in an echo of February's chorus: "The people want to topple the marshal."

Long into the night, while small groups on the fringes skirmished with police in clouds of teargas, those occupying the main square sang: "He must go! We won't go!"

It is a battle of wills whose outcome is hard to predict.

PROTESTERS DIG IN

The field marshal, hanged in effigy on Tahrir Square in a visual echo of Mubarak's final days, seems intent on preserving the armed forces' vast business interests built up over six decades of effective military rule. But there was no renewal of earlier heavy-handed efforts to clear the area.

Parliamentary elections will start this coming Monday - a plan confirmed at a meeting between the army and politicians - but they will take till January to complete. It is not clear how a referendum on military rule might be organized, nor what alternative might be proposed until June's presidential vote.

Tantawi, 76 and defense minister under Mubarak for two decades, appeared hesitant, speaking in field uniform, as he told the 80 million Egyptians his army did not want power:

"The army is ready to go back to barracks immediately if the people wish that through a popular referendum, if need be."

Tens of thousands packed Tahrir, the seat of the revolution which ended Mubarak's 30-year rule, from Tuesday afternoon and, though most drifted away, thousands remained camped through the night into Wednesday, while, in tense side-streets skirmishes, diehards pelted police who hit back with batons and teargas.

In Alexandria, a 38-year-old protester was killed. A Health Ministry official said the man was shot in the head during a confrontation outside a state security building.

Police have denied using live ammunition but most of the 36 dead in the preceding five days of protest have had bullet wounds, medics say. And demonstrators have shown off cartridge casings they say come from weapons used by the authorities.

"We will stay here until the field marshal leaves and a transitional council from the people takes over," said Abdullah Galal, 28, a computer sales manager, as people set up tents across the sprawling Tahrir traffic interchange which has become the abiding symbol of this year's "Arab Spring" revolts.

A stream of motorbikes and ambulances ferried away the injured from the skirmishing on the outskirts of the protest, while at the center of the square a mood of quiet occupation set in as blankets were brought out and small bonfires lit.

REFERENDUM SCEPTICISM

Many of the protesters saw the suggestion of a referendum, vague in its content, as a ploy to split the nation:

"He is trying to say that, despite all these people in Tahrir, they don't represent the public," said 32-year-old Rasha, one of dozens huddled around a radio in the nearby Cafe Riche, a venerable Cairo landmark. "He wants to pull the rug from under them and take it to a public referendum."

A military source said Tantawi's referendum offer would come into play "if the people reject the field marshal's speech," but did not explain how the popular mood would be assessed.

Tantawi may calculate that most Egyptians, unsettled by dizzying change, do not share the young protesters' appetite for breaking from the army's familiar embrace just yet.

For many Egyptians, trapped in a daily battle to feed themselves and their families, the political demands of some of those they view as young idealists are hard to fathom:

"I have lost track of what the demands are," said Mohamed Sayed, 32, a store clerk in central Cairo as the capital went about its normal business before the start of what protesters had hoped might be a "million man march" on Tuesday.

"If you talk to the people in Tahrir, they have no clue," added Sayed. "I don't know where the country is headed. I'm worried about my life."

On the square, however, demonstrators believed the army's reluctance to cede power could see an escalation, as activists tried to complete what some call an "unfinished revolution":

"All they are doing now is forcing people to escalate," said Mohamed, 23, a financial analyst. "They are leaving. There is no question about that.

"This opens the door for instability."

UNCERTAIN OPTIONS

When it was clear Mubarak had lost his potency, it was his former colleagues in the army who delivered the coup de grace. If it were now to be the turn of those generals themselves to have lost the legitimacy they won by easing Mubarak out with little loss of life, it is unclear who might replace them.

Some have raised the possibility of more junior officers ousting their superiors, though so far the ranks seem solid.

Using a computer analogy, protester Abdullah Galal said: "There are many viruses in the system. It needs to be cleaned out entirely. We want to delete, reformat and reinstall ... We need to change the regime like they did in Tunisia and Libya."

While the scale of protests is far short of the mass street action that ousted Mubarak, there is unrest in other cities.

In Alexandria, on the Mediterranean, protesters waved shoes in a sign of disrespect. In five days of protests in various cities, at least 1,250 people have been injured in addition to the 37 killed - a figure that includes Wednesday's death.

The United States, which gives Egypt's military $1.3 billion a year in aid, called for an end to the "deplorable" violence in Egypt and said elections there must go forward.

"We are deeply concerned about the violence. The violence is deplorable. We call on all sides to exercise restraint," White House spokesman Jay Carney said.

The unrest has knocked Egypt's markets. The benchmark share index has fallen 11 percent since Thursday, hitting its lowest level since March 2009. The Egyptian pound fell to its weakest against the dollar since January 2005.

Political uncertainty has gripped Egypt since Mubarak's fall, while sectarian clashes, labor unrest, gas pipeline sabotage and a gaping absence of tourists have paralyzed the economy and prompted a widespread yearning for stability.

(Editing by Myra MacDonald)

Source: http://us.rd.yahoo.com/dailynews/rss/world/*http%3A//news.yahoo.com/s/nm/20111123/wl_nm/us_egypt_protests

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No. 14 Kansas beats UCLA 72-56 to reach Maui final

Kansas guard Tyshawn Taylor (10) dribbles past UCLA guard Lazeric Jones in the first half of an NCAA college basketball game Tuesday, Nov. 22, 2011, in Lahaina, Hawaii. (AP Photo/Eugene Tanner)

Kansas guard Tyshawn Taylor (10) dribbles past UCLA guard Lazeric Jones in the first half of an NCAA college basketball game Tuesday, Nov. 22, 2011, in Lahaina, Hawaii. (AP Photo/Eugene Tanner)

Kansas center Jeff Withey (5) takes a jump shot over UCLA forward Travis Wear (24) in the first half of an NCAA college basketball game Tuesday, Nov. 22, 2011, in Lahaina, Hawaii. (AP Photo/Eugene Tanner)

UCLA forward David Wear (12) and teammate Joshua Smith (34) look on as Kansas forward Thomas Robinson (0) grabs a rebound in the first half of an NCAA college basketball game Tuesday, Nov. 22, 2011, in Lahaina, Hawaii. (AP Photo/Eugene Tanner)

UCLA guard Lazeric Jones grabs a rebound in front of Kansas guard Travis Releford (24) during the first half of an NCAA college basketball game Tuesday, Nov. 22, 2011, in Lahaina, Hawaii. (AP Photo/Eugene Tanner)

(AP) ? Elijah Johnson scored 23 points and No. 14 Kansas nearly blew all of a 20-point lead before pulling away for a 72-56 win over UCLA in the semifinals of the Maui Invitational on Tuesday night.

Thomas Robinson had 15 points and 10 rebounds, Tyshawn Taylor added 13 points and six assists and Kansas reached Wednesday night's championship game against No. 6 Duke, undefeated in the Maui Invitational while winning four titles.

Kansas (3-1) looked as though it was going to run away from the Bruins at the start, going up 12 points in the first 6 minutes and building from there.

The Jayhawks fizzled with a flurry of turnovers and defensive breakdowns to let UCLA back in it, then pulled away over the final 5 minutes for a harder-than-expected victory.

UCLA (1-3) got off to a brutal start and rallied to trim a 20-point lead down to five before running out of steam.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/347875155d53465d95cec892aeb06419/Article_2011-11-23-T25-UCLA-Kansas/id-75f0f94943e841a582a10620123a03c2

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International space trio lands in Kazakhstan

ALMATY | Tue Nov 22, 2011 6:26am EST

ALMATY (Reuters) - Three astronauts inside a Russian Soyuz capsule parachuted safely back to Earth Tuesday after nearly six months on the International Space Station (ISS), the first landing since NASA retired its space shuttles this summer.

U.S. astronaut Mike Fossum, Japan's Satoshi Furukawa and Russian cosmonaut Sergei Volkov landed at 0226 GMT, shortly before sunrise on the snowbound steppe of central Kazakhstan, NASA TV showed.

"The landing was great. Everything's good," said Volkov, flashing a thumbs-up signal after he was extracted from a Soyuz TMA-02 capsule blackened by the extreme temperatures on re-entry to the atmosphere.

The closure of NASA's shuttle program means Russian spaceships are the only way to ferry goods and crews to and from the $100-billion ISS, which is shared by 16 nations, until commercial firms develop the ability to transport crews.

Russia hopes the textbook landing will help to restore confidence in its space program after the August crash of an unmanned Russian cargo flight suspended manned space missions.

The returning crew have been replaced in orbit by NASA's Daniel Burbank and Russians Anton Shkaplerov and Anatoly Ivanishin, whose successful launch last week allayed fears that the station would be left empty for the first time in a decade.

But the troubles have left the space station with half the usual handover time. The new crew had only six days with the outgoing astronauts to get up to speed on the quirks of life in space and the station's operations.

NASA said the Soyuz capsule had landed on its side, not unusual in windy conditions, about 90 km (55 miles) north of the town of Arkalyk. Temperatures at the landing site were 15 degrees Celsius below zero.

The three-man crew had spent 167 days in space and their return to Earth took about three-and-a-half hours.

Volkov, huddled in a thermal blanket, is a second-generation cosmonaut and was following in the footsteps of his father, NASA said. It called him: "a rising star in the cosmonaut corps."

Fossum, second to emerge from the capsule, called his loved ones by satellite phone from the landing site. Furukawa, a 47-year-old professional surgeon, was last to emerge. An assistant mopped sweat from his brow.

After initial medical checks in an inflatable tent on site, the returning crew will be taken be helicopter to the city of Kostanai in northern Kazakhstan.

The ISS will regain full, six-person occupancy with the late December launch of U.S. astronauts Don Pettit, cosmonaut Oleg Kononenko and Andre Kuipers of the European Space Agency.

(Additional reporting by Dmitry Solovyov; Editing by Myra MacDonald)

Source: http://feeds.reuters.com/~r/reuters/scienceNews/~3/9LSp_MmSip4/us-space-kazakhstan-idUSTRE7AL09J20111122

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Belarus jails rights activist for tax evasion (Reuters)

MINSK (Reuters) ? A Belarussian court jailed leading human rights activist Ales Belyatsky for 4-1/2 years for tax evasion on Thursday, sparking an outcry in the European Union, particularly in neighboring EU countries which unwittingly aided his prosecution.

Belyatsky, 49, heads Vesna-96, the best-known rights group in the former Soviet republic, which has campaigned for scores of opposition activists prosecuted by the government of President Alexander Lukashenko.

The EU immediately denounced the sentence as "clearly politically motivated" and said it had targeted Belyatsky and his Vesna co-workers because of their "courageous support to victims of repression."

Cries of "Shame!" rang out in the Minsk courtroom from his supporters when judge Sergei Bondarenko handed down sentence, saying it was impossible for him to pass a lesser punishment.

The outcome, in the face of fierce condemnation of the trial in the West, supported the view that Lukashenko has written off relations with the EU for now and is not relying much on Western help to see him through a financial crisis.

With fresh loans from Moscow now assured, Lukashenko, once dubbed Europe's last dictator by the United States, appears to be signaling that he will not relax his hardline policies toward the political opposition in exchange for Western help.

High-ranking Belarus financial officials have expressed concern that Lukashenko's hardline policies could endanger possible credit of up to $7 billion from the International Monetary Fund.

But in the past few weeks Belarus has found financial help more forthcoming from Russia. Last week Sberbank and regional lender Eurasian Development Bank announced they would put up a loan of $1 billion to help it over its crisis, which was caused by excessive pre-election public spending.

Russian gas giant Gazprom confirmed that it will sign a new gas deal with Belarus on Friday in exchange for acquiring ownership of Belarus's gas pipeline operator Beltransgaz.

"SENTENCE FOR HUMAN RIGHTS"

The EU, in its statement issued by the bloc's foreign policy chief Catherine Ashton, said the sentence passed on Belyatsky was "a symbol of the ever intensifying crackdown on civil society in the country."

The human rights organization Amnesty International said his conviction was "a disturbing sign of the vindictive campaign" waged by the authorities against rights' defenders.

"Sentencing Ales Belyatsky is a sentence for human rights in Belarus. It confirms that the current regime does not respect basic standards of civil rights and freedoms," Poland's foreign ministry said in a statement.

"The charge of tax evasion was merely an excuse to again attack the non-governmental sector, which the regime wants to take full control of," it said.

Lithuanian Foreign Minister Audronius Azubalis said: "This case must be seen as part of a broader pattern of harassment and intimidation of human rights defenders in Belarus." He called for Belyatsky's release.

Belyatsky was arrested and charged after officials in Poland and Lithuania unwittingly helped his prosecution by supplying information about bank accounts held in his name after a request by Belarus's financial authorities.

Belarus imposes tough restrictions on the financing of non-governmental organizations and their activities that virtually rule out any financial help from abroad.

The furor that ensued led to a public apology in August by Warsaw and also caused high-level embarrassment in Lithuania.

Senior EUofficials had earlier called for Belyatsky's release, saying the charges against him were "a politically motivated pretext to target his important work to the benefit of victims of repression."

The prosecution had asked for a five-year sentence to be handed down on Belyatsky, who listened to his sentence from inside a metal cage in the courtroom.

Vesna-96 says the money held by Belyatsky in Poland and Lithuania belonged to the organization and was set aside for paying for human rights activities and supporting political prisoners and their families.

It had latterly been used to support families of opposition activists arrested in a police sweep last December after mass street rallies against Lukashenko's re-election for a fourth term.

Two opposition leaders are still in jail for their part in those protests.

The EU and the United States introduced travel restrictions and other sanctions against Lukashenko and other officials after an election widely criticized as rigged.

(Additional reporting by Gabriela Baczynska in Warsaw and Justyna Pawlak in Brussels; Writing by Richard Balmforth; Editing by Louise Ireland)

Source: http://us.rd.yahoo.com/dailynews/rss/world/*http%3A//news.yahoo.com/s/nm/20111124/wl_nm/us_belarus_belyatsky

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