Source: http://www.sciencedaily.com/rss/mind_brain/child_development.xml
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Friday, March 22, 2013
ScienceDaily: Child Development News
Fantastic flash memory combines graphene and molybdenite
Wednesday, March 20, 2013
EPFL scientists have combined two materials with advantageous electronic properties -- graphene and molybdenite -- into a flash memory prototype that is very promising in terms of performance, size, flexibility and energy consumption.
After the molybdenite chip, we now have molybdenite flash memory, a significant step forward in the use of this new material in electronics applications. The news is even more impressive because scientists from EPFL's Laboratory of Nanometer Electronics and Structures (LANES) came up with a truly original idea: they combined the advantages of this semiconducting material with those of another amazing material ? graphene. The results of their research have recently been published in the journal ACS Nano.
Two years ago, the LANES team revealed the promising electronic properties of molybdenite (MoS2), a mineral that is very abundant in nature. Several months later, they demonstrated the possibility of building an efficient molybdenite chip. Today, they've gone further still by using it to develop a flash memory prototype ? that is, a cell that can not only store data but also maintain it in the absence of electricity. This is the kind of memory used in digital devices such as cameras, phones, laptop computers, printers, and USB keys.
An ideal "energy band"
"For our memory model, we combined the unique electronic properties of MoS2 with graphene's amazing conductivity," explains Andras Kis, author of the study and director of LANES.
Molybdenite and graphene have many things in common. Both are expected to surpass the physical limitations of our current silicon chips and electronic transistors. Their two-dimensional chemical structure ? the fact that they're made up of a layer only a single atom thick ? gives them huge potential for miniaturization and mechanical flexibility.
Although graphene is a better conductor, molybdenite has advantageous semi-conducting properties. MoS2 has an ideal "energy band" in its electronic structure that graphene does not. This allows it to switch very easily from an "on" to an "off" state, and thus to use less electricity. Used together, the two materials can thus combine their unique advantages.
Like a sandwich
The transistor prototype developed by LANES was designed using "field effect" geometry, a bit like a sandwich. In the middle, instead of silicon, a thin layer of MoS2 channels electrons. Underneath, the electrodes transmitting electricity to the MoS2 layer are made out of graphene. And on top, the scientists also included an element made up of several layers of graphene; this captures electric charge and thus stores memory.
"Combining these two materials enabled us to make great progress in miniaturization, and also using these transistors we can make flexible nanoelectronic devices," explains Kis. The prototype stores a bit of memory, just a like a traditional cell. But according to the scientist, because molybdenite is thinner than silicon and thus more sensitive to charge, it offers great potential for more efficient data storage.
###
Ecole Polytechnique F?d?rale de Lausanne: http://www.epfl.ch/index.en.html
Thanks to Ecole Polytechnique F?d?rale de Lausanne for this article.
This press release was posted to serve as a topic for discussion. Please comment below. We try our best to only post press releases that are associated with peer reviewed scientific literature. Critical discussions of the research are appreciated. If you need help finding a link to the original article, please contact us on twitter or via e-mail.
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Source: http://www.labspaces.net/127372/Fantastic_flash_memory_combines_graphene_and_molybdenite
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ComScore: Russia Widens Online Lead In Europe With 61.3M Users; EU5 Smartphone Penetration Now 57%, Samsung, Android Leading
The analysts at comScore have today published their latest research detailing how Europe is progressing in areas like smartphone penetration, broadband and consumer digital services like video consumption -- part of comScore's ongoing Digital Future In Focus series of annual reports covering different geographical markets. In all, the online audience across the region, covering 18 continues, to creep up and at the end of 2012 was 408.3 million users, with Russia the biggest market at 61.3 million; and mobile users in the "EU5" -- the top-five markets of Germany, France, Italy, Spain and the UK -- are now up to 241 million, with 57% of them using smartphones.Source: http://feedproxy.google.com/~r/Techcrunch/~3/L-CVgi58mng/
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Saturday, March 16, 2013
US Will Beef Up West Coast Missile Defense System to Protect Against North Korean Bombs (Updated)
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Friday, March 15, 2013
Unknown assailants set fire to church in Libya's Benghazi
BENGHAZI, Libya (Reuters) - Unknown assailants set fire to an Egyptian Coptic church in the eastern Libyan city of Benghazi on Thursday, witnesses said, the second attack on the building in weeks.
Residents said the attack appeared to be in reaction to a protest at the Libyan embassy in Cairo earlier this week where Egyptian protesters burnt a Libyan flag outside the embassy and, according to police at the scene, held aloft a cross.
The demonstrators there said they were protesting the death of an Egyptian Copt in an explosion in front of a church in Libya a month ago.
The church in downtown Benghazi was heavily damaged and charred inside, witnesses said, with bookshelves ransacked. As crowds gathered at the scene, the fire was eventually put out.
Officials said they were not aware of any injured as the church was empty when the attack happened.
"There were rumors of plans to set fire to the church. We didn't hear anything today though, we just saw the smoke billowing," one resident who gave his name as Bodelal said.
This was the second attack on the Egyptian Coptic church in Benghazi in weeks. Gunmen had previously attacked it, assaulting two priests.
About 250 gathered again in front of the embassy in Cairo on Thursday, clashing with Egyptian riot police, a security source said.
"This could be reaction against what happened at the embassy. They burnt the Egyptian flag in front the embassy," another Benghazi resident, Abdusalem Salem, said.
Libya's small Christian community has expressed fears over Islamist extremism as the government struggles to impose its authority over armed groups which have refused to lay down their weapons since the 2011 war that ousted Muammar Gaddafi.
In December, an explosion at a building belonging to a Coptic church in Dafniya, close to the western city of Misrata, killed two Egyptian men and wounded two others.
Last month, four foreigners were arrested in Benghazi on suspicion of being Christian missionaries and printing books about Christianity.
(Reporting by Ali Shuaib and Firas Busalum; Writing by Marie-Louise Gumuchian)
Source: http://news.yahoo.com/unknown-assailants-set-fire-church-libyas-benghazi-181232207.html
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Project Reason | How much do you pay for health insurance?
Skipshot - 15 March 2013 09:11 AM
So once again my Tea Bagger dad was pontificating about how Obamacare will ruin America and anyone who takes advantage of it is a leech and taker who just wants someone else to pay for their health care.? It finally came to me, he is a retired military officer who has never had to pay for health insurance out of his own pocket, so I asked him how much he thinks employer subsidized health insurance for my family of four costs.? He said somewhere around $300 - $400 a month.? When I said it was $1300 a month he was shocked.? So, maybe people who can?t afford health insurance and take their medical needs to the emergency room where the cost is borne by the taxpayer aren?t lazy free loaders who won?t get off their ass and find a better paying job.
It looks like the Tea Bag Party has a perception problem.
Of course, health insurance isn?t $1300 for every family, some are able to afford only the lowest cost insurance, but since my dad does have auto insurance he won?t pay the state minimum for auto insurance because he knows he?d be on the hook for the massive difference should he be at fault in an accident, and could lose much of his assets.? Sort of like what happens when people with cheap insurance get sick beyond the coverage and they end up bankrupt covering the difference.
Send this to your Dad and let him know he has it backwards. Obamacare is anything but socialist. If your Dad doesn?t like free riders, then he should love Obamacare:
full article
http://www.policymic.com/articles/10565/obamacare-protects-the-free-market-why-repealing-it-would-mean-a-return-to-socialism
Socialists and liberals dislike the Affordable Care Act because there is no single payer government run option. The ACA cuts socialist programs and it?s free market approach is too centrist for them.
Conservatives believe the ACA is the most liberal, socialist creation in mankind?s history and that Obama has sown the seeds for American apocalypse.
Polls show high approval of most individual parts of the law. When asked about the entire law together people hate it. Political misinformation campaigns have convinced people that socialism is taking over America.
I will address the socialism argument first and then address some of the other critics concerns.
Where did we come from before the ACA?? And where are we now?
Prior to the Affordable Care Act the costs of uninsured free riders skipping their medical bills were socialized. Rather than going bankrupt, hospitals increase the prices for the insured. Hospitals split the losses with the government. The government then taxes you higher to socialize the losses.
For example, uninsured diabetes patients were showing up in costly hospital emergency rooms for insulin when health crises arose rather than going to cheaper primary care doctors. Many couldn?t pay those bills.
Before the Affordable Care Act, the system was socialistic, and losses were distributed throughout America.
Repeal of the Affordable Care Act is a call for a return to that socialist system.
Socialism is - a theory or system of social organization that advocates the vesting of the ownership and control of the means of production and distribution, or capital, land., in the community as a whole. [Dictionary.com]
The ACA ends the spreading of costs for unpaid bills through the community (socialism) to you that led to higher health insurance payments and higher taxes. It does this by using a method that Mitt Romney pioneered as governor of Massachusetts, which now has 98% of its residents insured. Romney even ran his first presidential campaign on his method for fixing the free rider problem.?
How does the ACA?s reduction of socialism benefit you?
The costs of free riders nails your wallet in more than one way. Your insurance premiums are higher because the costs are embedded in the services you use that your insurance company covers. Your taxes are higher because the government pays for a portion of these unpaid bills and you and all tax payers are the only source of government money. The ACA removes this socialization of costs and will save you money.
How much??
Annually, you, or your employer pays about $1000 more in insurance premiums to pay for losses that free riders brought to the system. You pay about $1000 more in taxes today. So, in total around $2000 a year comes out of your wallet because of the socialist system of the past that the Affordable Care Act replaces.
What will your costs be without free riders sucking money out of your wallet?
How will employers benefit if they pay thousands and thousands less for their hundreds of employees because they aren?t paying free riders who don?t work for them??
This could leave employers with more money in the bank to raise your pay, or hire more workers.
Repealing Obamacare returns to a system where you and your employer foot the bill for the uninsured.
Repealing Obamacare costs you at least $2000 a year.
What other socialism does the ACA cancel?
Medicare Advantage was a public-private partnership that was supposed to lower health care costs by having private insurance companies involved. The costs ballooned.?
By slashing this socialist program entirely and moving people into the more efficient Medicare system, the Affordable Care Act saves about $380 billion over a decade.?
This and other major cuts makes the ACA deficit neutral. The CBO reports that it may reduce the deficit a total of 100 billion dollars over this decade and by as much as a trillion dollars in the next decade.
Calling for a repeal of the Affordable Care Act is a call to add this socialist program back to the system and move people out of the more efficient Medicare.
Because I don?t want to move back to the Socialist system that existed before Obamacare I will address some of critics other concerns.
How does the definition of socialism apply to the private insurance?? How is private insurance improved?
Private health insurance
The purpose of private health insurance is to collect payments from everyone and then to spread the costs through the insurance pool, across the community as a whole, when people get sick. Private health insurance is a socialist approach.
When private companies provide the insurance this applies the traditions of America?s mixed market economy.? Health insurance is a socialist idea. Delivering it by companies is a capitalist idea. So, private health insurance is a socialist/capitalist system.?
When the ACA moves more people into the private health care system they are reducing government socialism and increasing private socialist/capitalism.
Repealing Obamacare means paying for more people through government programs.
Keeping Obamacare means using free-market health insurance exchanges to drive down prices of private insurance.
Addressing the critic?s worries who want to repeal the ACA and return to Socialism
Cost of the Law
Yes, the numbers look large. A price tag of $1 trillion sounds like a lot. Where were Republicans complaining when we spent $1 trillion in Iraq? This is about spending money at home.? Maybe Democrats are more concerned with spending money to the benefit of Americans than they are about blowing people up in the Middle East.
To pay for the law, Democrats slashed programs of lower priority and government socialist programs that weren?t efficient like Medicare Advantage. As stated above, there were so many programs cut that the ACA reduces the deficit by a total of $100 billion over ten years vs. the myth that it will increase the deficit.?
What do we spend now? Annually, health care costs are 23% of all government expenditures. That totals around $890 billion. Over ten years, with increased retirement of baby boomers, the total costs are about $11.2 trillion.? That includes the $1 trillion the Affordable care act spends to reduce costs and cover 30 million more Americans.
In a system where $11.2 trillion is spent in a decade, is it a tremendous amount to spend $1 trillion on cost cutting measures that reduce the deficit by $100 billion?
Tax penalties applied elsewhere
Critics fear that the government could make tax penalties to compel you to do other things like eat broccoli. But, the comparison is not sound. Inactivity in the broccoli market does not lead to the free-ridership of eating broccoli.
In health care, inactivity does lead to free-ridership. If someone goes to the grocery store (vs. going to the hospital) and they eat broccoli while standing on Aisle 3 they are stealing and will go to jail. When people refuse to pay for medical service because of inactivity - where they have not bought insurance or saved for these risky times - the costs are just passed on to you.?
You should not fear the costs being passed on to the free riders and be excited about you paying for them.
If the Affordable Care Act is repealed you will then be responsible for paying the costs of the uninsured.? Socialism returns and sucks money out of your wallet.
Ron
Source: http://www.project-reason.org/forum/viewthread/26156/
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Report: U.S. Retailers See Strong Feb. Growth | RV Business
Sales at U.S. retailers rose in February by the most in five months as an improved job market and stronger household finances cushioned the effect of higher payroll taxes, according to a report by Bloomberg.
The 1.1% advance exceeded all projections in a Bloomberg survey and followed a revised 0.2% gain in January, Commerce Department figures showed today in Washington. The median forecast was for a 0.5% advance. Sales excluding the volatile categories of autos and gasoline rose 0.4%.
Progress in the job market is shoring up sentiment and spurring demand at merchants including Costco Wholesale Corp., easing the burden of a two percentage-point increase in the levy that funds Social Security. The boost to household wealth from home values and stock prices has also helped consumers maintain spending in the face of higher fuel prices.
?It shows some steady underlying strength,? said Terry Sheehan, an economic analyst at Stone & McCarthy Research in Princeton, New Jersey, the second-best forecaster of retail sales in the last two years, according to data compiled by Bloomberg. ?These numbers are cause for cautious optimism.?
Eight of 13 major categories showed increases last month, led by a 5% jump in receipts at gasoline stations that reflected higher fuel costs. Sales also climbed at building materials outlets, auto dealers and general merchandise stores.
Spending increased 1.1% at auto dealerships in February after a 0.3% drop a month earlier.
Pent-up demand for motor vehicles contributed to the increase as an aging fleet and cheap borrowing drew customers to dealer lots. Cars and light trucks sold at a faster pace in February, pushing the annualized rate of sales to 15.3 million from 14.4 million a year ago, according to data from Ward?s Automotive Group.
To view the full article click here.
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Source: http://www.rvbusiness.com/2013/03/report-u-s-retailers-see-strong-feb-growth/
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Obama, senators discuss corporate tax reform
WASHINGTON (Reuters) - President Barack Obama and Republican senators on Thursday discussed working on a stand-alone corporate tax reform bill rather than the more comprehensive approach to updating the U.S. tax code that has been the goal of both political parties.
Freshman Senator Jeff Flake of Arizona said the idea was raised by fellow Republican Senator Patrick Toomey of Pennsylvania and that Obama was open to the idea, although no decisions were made during their meeting in the U.S. Capitol.
Obama, according to senators, said he would support a revenue-neutral corporate tax reform effort - a message the president also delivered to House of Representatives Republicans on Wednesday.
"If he's agreed, and he has, that the lowering of rates with the corporate tax will be revenue neutral, there's no reason we can't do that now," said Flake.
Obama met with Republican senators as part of a nearly two-week-long outreach to lawmakers that the president hopes improves chances of a broad deficit-reduction deal.
But many Republicans, including Senate Republican leader Mitch McConnell, expressed reservations over doing corporate tax reform without comprehensive changes to the U.S. tax code.
The endless budget standoffs in Washington have highlighted stark differences over how and to what extent individuals should be taxed, with Democrats backing higher tax rates for the wealthy.
Obama and Republicans are closer together on the need to revamp corporate taxes, with both sides backing a lower top rate. The current statutory rate of 35 percent is the steepest in the industrialized world, although some companies pay far less, and others pay more.
The White House proposed a "framework" for corporate tax reform last year, that called for trimming the rate to 28 percent. Republicans generally want to pare it to 25 percent.
A key sticking point is that many businesses are set up as entities that do not pay a corporate rate. In these so-called pass-through organizations such as law firms and hedge funds, individual owners pay the individual tax rate, now topping out near 40 percent.
"On the corporate side, it sounded like we're in agreement" McConnell said Thursday.
But he added, "for myself, I don't see how you can do corporate tax reform only. We have too many (pass-through entities) all across America. ... We don't want to have an adverse effect on American small business."
(Reporting By Richard Cowan and Kim Dixon; Editing by Doina Chiacu)
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Thursday, March 14, 2013
Anschutz says sports company no longer for sale
LOS ANGELES (AP) ? AEG, the company that owns the NHL's Los Angeles Kings and the Staples Center, is no longer for sale, its billionaire owner Philip Anschutz said Thursday.
The announcement came amid efforts by the company to build a downtown stadium to lure an NFL team back to Los Angeles.
Anschutz said in a statement that he had made it clear that he wouldn't sell the AEG sports and entertainment company unless the right buyer came forward.
"They wanted more than what people were willing to pay," said Paul Swangard, managing director of the Warsaw Sports Marketing Center at University of Oregon. "I just feel as though there's still differences of opinion about how valuable AEG is."
It wasn't clear how far along the company had been in the sale process or how the move might affect its plans to build the proposed 72,000-seat Farmer's Field football stadium.
Anschutz said he will resume a more active role in AEG. Tim Leiweke, who has served as president and CEO and been the face of the company for more than 15 years, is leaving, Anschutz said.
The sale of the sports and entertainment company had been expected to fetch billions of dollars.
The Los Angeles Times reported that interested buyers included Mark Cuban, owner of the NBA's Dallas Mavericks, billionaire Patrick Soon-Shiong, and Guggenheim Partners, which recently led a consortium that bought the Los Angeles Dodgers.
Last week, Mayor Antonio Villaraigosa said in a television interview that Anschutz had to find a buyer for AEG first before moving forward with what he termed as "uphill climb" involving the stadium effort.
Villaraigosa stressed, however, that he believes the NFL would return to Los Angeles. The city has been without an NFL team since the Rams moved to St. Louis and the Raiders departed for Oakland in 1995.
NFL spokesman Brian McCarthy said the league will continue to monitor the developments with the stadium proposal and "remain interested in multiple sites in the Los Angeles area."
An email message left for AEG spokesman Michael Roth was not immediately returned.
Swangard said Anschutz's decision to retain AEG will likely help the process to build a new football stadium.
"It creates certainty for the LA (football) project," he said. "If they weren't getting the price they wanted, and at the same time were getting pushback on their next big deal, this approach makes all the sense in the world."
AEG transformed the Los Angeles landscape with the opening of Staples Center in 1999. Its later addition of the LA Live entertainment complex helped revitalize the city's long-neglected downtown.
The company's holdings also include the Los Angeles Galaxy, part-ownership of the NBA's Los Angeles Lakers, and major entertainment and real estate holdings in Los Angeles.
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Banner ads | Internet Marketing | Link Building | SEO
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Source: http://www.freelancer.com/projects/Internet-Marketing-SEO/Banner-ads.html
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Wednesday, March 13, 2013
Linux Today - Improve Linux Gaming Performance With FSGamer
Mar 12, 2013, 05:00 (0 Talkback[s])
(Other stories by Dean Howell)
(Other stories by Dean Howell)
Gaming on Linux Ever since the advent of Steam for Linux, performance issues have miffed gamers; especially those who are using Ubuntu's Unity and are forced to use Compiz as their display compositor. Those issues have been combated in several ways. Nvidia and AMD have been ???stepping up to the plate??? so to speak with increased performance from their drivers, and developers have been working towards more granular performance enhancements geared towards playing well with Xorg. Step one for most users is to simply unset Compiz for fullscreen applications, KWin for KDE users. The former is the most affected, and that was the catalyst behind Michael Bethencourt???s FSGamer. So what is it? FSGamer is a simple concept, that is ???sloppily written, and may crash everything and make you cry??? ??? so says the author. What is does is start a seperate X session with Openbox, and then launch the game. By default it uses tty8, though that could probably by changed. A quick ctrl-alt-f7 will get you back to your usual login session. What to give it a try?
Complete Story
Source: http://www.linuxtoday.com/upload/improve-linux-gaming-performance-with-fsgamer-130310124506.html
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Chase Bank site attacked, suffers intermittent outage - Technology ...
The website of Chase Bank was inaccessible on Tuesday because of a denial-of-service attack. The initial service interruption to Chase.com lasted about 90 minutes, from about 5 to 6:30 p.m. ET.
When the site did load intermittently during that time, it displayed a warning that the website was unavailable and users should try again later.
Chase confirmed that the outage was due to a denial-of-service attack, in which attackers bombard websites with an overwhelming amount of traffic, overloading their servers and causing sluggish performance or a complete loss of service.
The hacking group taking responsibility, which calls itself al-Qassam Cyber Fighters, announced its intentions to hack a number of banks in this manner several months ago, and has targeted Bank of America, Citibank, Capitol One, and others. The group cites what it sees as U.S. refusal to remove a YouTube video grossly offensive to those who practice Islam.
The video in question is "Innocence of Muslims," a film trailer depicting the prophet Muhammad as, among other things, a murderer and pedophile. Muslim states such as Egypt and Yemen have called for the video to be removed, but Google-owned YouTube has said the video is well within its guidelines. Although Hillary Clinton, former Secretary of State, described the video as "disgusting and reprehensible," she supported the decision, as representative of the U.S.'s commitment to its citizens' right to free expression.
Al-Qassam Cyber Fighters have pledged to discontinue their attacks if the video is removed, or if the conditions of a complicated formula are met regarding the video's like and dislike counts.
UPDATE: Following the publication of this article, Chase.com manifested continued outages, appearing more often for some than others. As of this writing, the site is not loading at all, and while the site was up, banking services were not yet restored.
UPDATE 2: Chase.com is back to full functionality. The bank apologized on Twitter for the "rough day."
Devin Coldewey is a contributing writer for NBC News Digital. His personal website is coldewey.cc.
Best Self Improvement Solutions For Positive Change
Self Improvement Journey
Everybody is unique, consequently self improvement must be custom-made in your means of existence. Study the different methods and strategies that are employed for self improvement. Utilize the ideas on this write-up to develop a program and begin your journey towards personal growth.
You need to remain in great actual physical problem in order to have the greatest from self improvement. Physical exercise frequently, get adequate rest each night and luxuriate in a nutritious diet to help you proceed your individual growth. This will look like a straightforward job, but for many it's the most challenging.
Commence your self improvement plan by concentrating on the things that are most important to you. Learn from others and think about adhering to the same route if your targets correspond to theirs. Accept the advice of men and women you admire.
Journal For Self Improvement
Be able to write down ideas for self improvement where ever you might be. Make sure you have a notepad on you all the time. Record the feelings that pop into your head and develop them once you have much more time to dedicate towards the topic.
Are you currently creating your self pointless anxiety? Believe about the scenario, and try to locate constructive methods to deal with it. Blunders may be fixed, and life will go on. Usually do not give attention to whatever you may have lost, but look at what is to come in everyday life. Think positively.
You'll be able to try out creating yourself a motivational speech. Make a self-empowering post-it notice or notice card. Maintain it along with you constantly, and refer to it when required. Even better, you should videotape your self, reading through the checklist into the digital camera and view this video clip frequently. The main reason to watch the video or study the postcard as frequently as you possibly can would be to remind yourself of how fantastic you think you might be.
Religion For Self Improvement
Religion is important in your ideas for self improvement, and adore is what keeps your religion alive. They stem from one another; you have to have like to have religion. Ensure that you never get your religion with no consideration. Do something great for someone else, or for the community. Really like yourself, adore other people, and let your religion suggest something.
You ought to stay in great bodily problem to be able to have the greatest from self improvement. Exercise frequently, get adequate snooze each and every evening and revel in a nutritious diet that will help you proceed your own development. This may look like an easy task, but for many it's the most tough.
Commence your self improvement plan by concentrating within the things which are most critical to you. Discover from other people and think about following the same path should your goals correspond to theirs. Accept the recommendation of men and women you admire.
Journal For Self Improvement
Be able to write down ideas for self improvement anywhere you're. Ensure you have a very notepad on you constantly. Record the thoughts that pop into your head and build them once you have much more time and energy to devote to the topic.
Are you leading to oneself pointless stress? Feel regarding the situation, and check out to locate constructive ways to cope with it. Blunders could be fixed, and existence will go on. Usually do not give attention to everything you could have dropped, but look at what exactly is to return in everyday life. Believe positively.
You are able to attempt composing oneself a motivational speech. Make a self-empowering post-it notice or notice card. Preserve it with you constantly, and consult with it when necessary. Better yet, you should videotape your self, reading the checklist in to the digicam and observe this video regularly. The main reason to look at the video clip or study the postcard as usually as you possibly can is to remind oneself of how wonderful you're thinking that you're.
Religion For Self Improvement
Religion is essential in your plans for self improvement, and love is what keeps your religion alive. They stem from one another; you must have like to have religion. Make sure that you by no means take your faith for granted. Do some thing great for somebody else, or for your neighborhood. Love oneself, really like other people, and permit your religion mean something.
Locating approaches to dwell a much healthier life will also help you in your self improvement endeavors. Every person feels much better once they in are healthful. Not only will you carry out much better physically and mentally, but you are going to conserve oneself time and tension of needless health scares. Ensure it is your aim to improve your health.
Concentrate on the things you want, produce a program to acquire them, and keep the next items in mind. Regardless of what other measures you're taking, the 1 critical selection you have to make would be to be energetic within your existence, not a bystander. Watching lifestyle go by, without having taking part, cuts you off from your planet, and human beings had been intended to get on the market and live life.
The goals you've got set for the self improvement development must be particular so that they are able to lead you to definitely good results. Having goals allows you to better issue resolve regarding how to get there. If you are focused on your objectives, then the obstacles between you and them will be simpler to overcome.
You ought to often deal with everyone with regard, no matter who they're or what they are able to do for you. Deal with them effectively, and your actions will talk volumes.
The majority of employers that you simply experience won't treatment about the university you graduated from. They care regarding how effective you are at carrying out your occupation. You'll find of course a couple of exceptions, like inside the finance and engineering industries. The essential thing is to contemplate obtaining a degree which means you have a lot more opportunities available to you.
As opposed to concentrating on your outward appearance, look inside of. Your clothes and physical attributes are truly not that important. The individual you might be within is what is most significant in life. You'll find better reward should you focus on character growth rather than external modifications.
This information is just beneficial if you use it. The way in which towards achievement would be to consider motion. Give the following pointers a shot and you'll be on your approach to assembly and exceeding your self improvement targets.
Source: http://artselfdevelopment.blogspot.com/2013/03/best-self-improvement-solutions-for.html
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Tuesday, March 12, 2013
3 Red Hot Dividend ETFs - Zacks.com - Zacks Investment Research
Even though markets are surging higher, income investing remains as popular as ever. This is especially true in the dividend ETF world, as many top income funds have seen huge inflows to start 2013.
Seemingly, investors continue to embrace these products as a way to achieve equity appreciation with a lower level of risk. It also doesn?t hurt that many are concerned about the Fed looming over the market, causing some to reconsider their bond holdings for the long term.
These trends make dividend ETFs a viable option for nearly all stripes of investors in this current market environment (See 4 Excellent Dividend ETFs for Income and Stability).
However, not all dividend ETFs are created equal, and some have fallen by the wayside in terms of popularity to start the year. ETFs like the WisdomTree Dividend ex-Financials Fund ( DTN - ETF report ) and the First Trust Morningstar Dividend Leaders Fund ( FDL - ETF report ) both have seen outflows to start the year, despite the overall bullish tone in the market.
This hasn?t been a problem for some funds in the space though, as a few have seen huge inflows to start 2013. In fact, a handful have captured a great deal in assets, suggesting that sentiment is extremely bullish on these few products going forward.
While some might scoff at looking at popularity to find trends in the space, the strategy does have some merit. It can show the ETFs?and investment segments?that are increasingly in favor with investors, and which are believed to be the best places for portfolios going forward.
After all, we have seen a huge increase in invested capital for a number of Japan ETFs such as DXJ?timed along with the country?s surge?to start 2013, while we have also witnessed a big outflow in gold and gold mining ETFs like GDX, alongside a historic plunge in this commodity to open up the year (read Three Most Popular ETFs of February).
So there can definitely be something to looking at the top asset accumulating ETFs in the time period as a signal for trends heading into Q2 and beyond.
For investors subscribing to this theory, we have highlighted below three dividend ETFs that have led the way in terms of AUM accumulation so far in 2013. All three have gained more than four times as many inflows as the average unleveraged equity ETF in the time frame, suggesting they are surging up the popularity charts.
Due to this factor and some of the current market conditions favoring equities?and especially income generating stocks?over bonds, any of these three could be great choices for those seeking to ride a wave of popularity higher in the dividend ETF space:
iShares Dow Jones EPAC Select Dividend Index Fund ( IDV - ETF report )
This dividend ETF has seen nearly $300 million in inflows to start 2013, a level far in excess of many other products this year. It is especially noteworthy as it is one of the few broad developed market ETFs to see such impressive inflows in the time frame (read 4 International ETFs Yield more than 5%).
The ETF has nearly 20% of its assets in financials, and then about 14% in industrials, and 13% in both energy and utilities. Large caps do account for the bulk of the assets, while European securities make up roughly two-thirds of the total as well.
IDV does have a truly impressive yield though, as the fund is currently sporting a 5.3% 30 Day SEC payout. The cost is a bit higher at 50 basis points a year, but the fund does have a high volume and tight bid ask spread, which should keep overall fees low.
Vanguard High Dividend Yield ETF ( VYM - ETF report )
For a pick closer to home, many investors have pushed towards this U.S.-centric high dividend ETF. The fund has seen more than $470 million in inflows to start the year, putting it into the top 50 equity funds for the time frame.
The dividend ETF is ripe with household names though, as a variety of U.S. large caps dominate the top holdings. Consumer staples take up about 20% of the assets, followed by 13% for health care, energy, and industrials (see Guide to 10 Great ETFs Yielding 7% or More).
The yield for this fund comes in at 3.1% for 30 Day SEC terms, a robust level when compared to many bond products. Furthermore, the ETF is an ultra-low cost choice, costing investors just 0.1% a year in fees, along with very high volume.
This fund has a Zacks ETF Rank of 1 or ?Strong Buy? while it has a medium risk rating.
Vanguard Dividend Appreciation ETF ( VIG - ETF report )
The most popular dividend ETF?by inflows?to start 2013 is the ever trendy VIG. This ETF has seen over one billion in fresh assets this year, enough to put it in the top 10 for inflows to start the year.
The fund does have similar holdings to its cousin VYM, but a little bit of a difference. This dividend ETF looks to zero in on companies that have a track record of increasing their dividends year after year, rather than a pure focus on yield.
This results in a fund that has about 150 securities that have a heavy large cap focus. Household names are again atop the fund, with a big holding in consumer staples and industrials.
The focus on dividend growth does reduce the yield to a level of just 2.2% in 30 Day SEC terms, easily the lowest on the list. However, it does have a low expense ratio of just 13 basis points and it has outperformed the S&P 500 to start the year (see Two Unconventional Sources of ETF Yield).
This fund has a Zacks ETF Rank of 1 or ?Strong Buy? while it has a low risk rating.
Bottom Line
Yes, equity markets are broadly at, or are within striking distance, of all-time highs. But investors still continue to embrace dividend ETFs as great ways to obtain broad market exposure, as they can arguably offer up the best of both worlds in the current investing landscape.
Though, investors should note that there are literally dozens of choices out there that can offer up great exposure to this space. This can make sorting through the market very difficult, especially in generally positive market conditions.
For this reason, it could be a good idea to take a closer look at ETFs that have seen a surge in popularity to start 2013. Not only are there a number of great dividend focused options in this group, but they could be impressive picks for many investors if current trends in the market hold into the second quarter.
If you still aren?t sold, consider that all three of the ETFs highlighted above have beaten out the S&P 500 over the past six month period, further showing that investing in popular dividend ETFs could be the way to go in this market.
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Source: http://www.zacks.com/commentary/26232/3-red-hot-dividend-etfs
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