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With a pseudonym like FinanceSuperhero, you might think I have always had my finances in order, or even that I do in the present. In truth, Mrs. Superhero and I are on a long and winding journey with money, just like each and every other person we know. That journey has seen its share of triumphs and more than its fair share of blunders. Worse yet, some of these errors are ongoing, waiting to be corrected.
In today’s post, I am aiming to be transparent about my past and present financial mistakes. I hope that in doing so others will be spared from making similar mistakes and that greater accountability (and maybe even some self-embarrassment) will drive me to corrective action.
A $650 Meal in Europe
As a college freshman, I was fortunate to have the opportunity to tour Germany, Austria, and Hungary as a member of my university concert band. While I was not terribly excited about the tour at the time, I look back on the experience today and recall fond memories of staying with host families, experiencing the true culture of three unique countries, sharing the gift of music, and performing service projects.
When I embarked upon the tour, I felt secure that I had planned ahead and accounted for all of my needs for the roughly three week adventure. For necessary purchases, I planned to utilize a balance of cash, my debit card, and my credit card. Like most college students, I was poor and on a limited budget, so keeping close tabs on all purchases was of paramount importance.
On my last afternoon of the tour, while waiting for my return flight to Chicago, I made an innocent yet costly mistake: I purchased dinner at the airport Burger King using my debit card.
Fast forward two months later. I had just arrived home after working a long shift at the local movie theater back home in Michigan, when it occurred to me that I had not received a checking statement in the mail in quite some time. Keep in mind, internet banking was in its infancy at this time, so I had not yet enrolled via my financial institution. After a filling out a few online forms, I registered my account online and logged in.
Though I was a working-poor college student, I prided myself on always maintaining a small buffer in my checking account. When I clicked on my account details, I was horrified to discover that my account was overdrawn by nearly $1,000! As you can imagine, I
frantically called my bank to inquire as to how this could be possible, as I hadn’t used my debit card since my dinner at the airport Burger King.
The bank representative with whom I spoke gently informed me that my most recent transaction –
again, Burger King– and the accompanying international transaction fee caused an overdraft on my checking account of roughly $2. Naturally, I was irate: at myself for my carelessness, but also at the bank, as I had not received a statement or a phone call regarding the overdraft.
The kind gentleman, who had already taken a verbal lashing from me at this point, explained that my statements had been mailed twice, along with multiple First Class letters informing me of the overdraft. The problem? The statements and letters had been sent to my university mailbox, over 200 miles from home.
My focus of my ire quickly shifted from the bank to the university mailroom. After calming myself, I made a phone call to the mailroom to question why I hadn’t been receiving forwarded mail. The clerk I spoke to promptly checked my records and revealed that I had made an error: in the midst of my haste and eagerness to check out for the summer and prepare for the European tour, I had checked the box associated with the prompt to leave my mailbox open during the summer instead of the box associated with mail forwarding. I sheepishly thanked the clerk for her help and phoned the bank an additional time in a list ditch effort to recoup some of my losses.
To make a long story short, I placed a long series of phone calls and was able to sweet talk my way out of approximately $350 in overdraft fees, leaving me with a $650 bill. Much of my summer earnings had already been committed to purchasing textbooks, so I spent my work study earnings during the first two months of the subsequent fall semester repaying the fees and penalties.
To date, this fateful meal at Burger King remains the most expensive meal of my life, and a small part of me still cries when I smell a flame-grilled Whopper.
Current Mistakes
Fortunately, I have come a long way with regard to handling my finances since college. As a junior, I began meticulously tracking my transactions and maintaining a rough budget. Shortly after graduating from college and before securing my first job, I was introduced to the teachings of Dave Ramsey and became a Dave super fan overnight; I read The Total Money Makeover in one day, began listening to The Dave Ramsey show podcasts during workouts, and even bought a Dave Ramsey show t-shirt. I was drinking the koolaid!
Prior to marrying Mrs. Superhero, I made some wise financial decisions. Rather than buying a new car like many of my friends, I continued to drive my 2000 Ford Taurus. While many friends rented their own apartments, I rented a room from a friend-of-a-friend for $400 per month. I lived on a
tight budget, to say the least.
Mrs. Superhero and I have now been married for six years, and life is good. Don’t let me fool you, however; I have made some careless financial mistakes!
Mrs. Superhero and I do not have wills at this time. Granted, we do not yet have children at this time, but with the prevalence of online will services, I really have no valid excuse for this. Two years ago, Mrs. Superhero and I got the itch to pursue quotes for finishing our basement. Despite receiving an alarmingly-high end quote from an unnamed company, we submitted a deposit and signed a contract to have a portion of the basement finished. That night, I awoke at 2AM in a cold sweat and realized our mistake. I called the next morning and cancelled, and because we did so within a specified window, our deposit was returned in full. While there was no harm done, this was a potentially-dangerous, stupid decision. When purchasing our home, Mrs. Superhero and I took out a 30 year mortgage. At this point, many of you are surely thinking, “So? What’s the big deal?” While our mortgage is well within an affordable range (less than 25% of our monthly income), we would obviously be much better served by saving significant interest with a 15 year mortgage. Fortunately, we have a fine interest rate, which makes refinancing unnecessary as long as we begin paying the mortgage at an accelerated payoff rate in the near future. My kryptonite is food, but you already knew that from the aforementioned Burger King fiasco. I enjoy dining out at restaurants more than the average person, which often leads to inflated restaurant spending. Worse yet, I don’t even feel bad about it some months!
There you have it, readers. If you didn’t realize it before, now you know: FinanceSuperhero is a mere personal finance mortal after all.
Readers, what has been your biggest financial mistake? How much did it cost you?


Civil war is like pornography--we think know it when we see it. Yet ideas of civil war have a long and contested history with multiple meanings and contested applications. This lecture offers a critical history of conceptions of civil war, with special attention to its legal definition since the nineteenth century.


On March 11, 2016, the US Financial Industry Regulatory Authority released a report evaluating the NASD Rule 1010 Series which rules govern FINRA’s Membership Application Program (MAP). The MAP rules are used by FINRA to evaluate the proposed business activities of member firms, including the applicant’s financial, operational, supervisory and compliance systems. FINRA staff conducted a comprehensive assessment of the rules, including seeking input from, and conducting a survey of, firms that are subject to the rules and non-member firms that assist in MAP submissions. FINRA staff concluded that the rules are generally effective in achieving their objectives of protecting investors. The report notes areas for improvement or clarification that FINRA will consider addressing through a combination of guidance, proposed rule modifications, process and administrative changes and technological updates to enhance the effectiveness and efficiency of the rules.
The press release is available at: http://www.finra.org/newsroom/2016/finra-evaluates-membership-application-rules and the report is available at: http://www.finra.org/sites/default/files/RetroRuleReview-03-2016.pdf.


When walking causes stiff muscles after only a short distance, an underlying condition is typically the cause. In the case where symptoms persist as you continue your walking routine, contact your doctor. He might wish to screen you for medical conditions such as arthritis and gout depending on any other symptoms you are experiencing. Inform the doctor whether the stiffness occurs only during exercise or at other times throughout the day.
Features
Muscle stiffness during walking can also be caused by your previous workout. A condition known as delayed onset muscle soreness causes pain and tightness approximately 24 to 48 hours after a taxing cardio or strength training workout. Symptoms typically start to fade after three days and do not last longer than a week. Resting the muscles during this time period may alleviate symptoms.
Time Frame
Shin pain and tightness is most likely to occur at the beginning of your walk, according to the Walking Site. To relieve muscle stiffness, walk at a slow pace for a short distance before you move at your normal speed. Your shoes should be flexible with a supportive heel. Avoid concrete surfaces when you walk because that might put too much stress on the shins.
Prevention/Solution
Stretching before you walk can be helpful in reducing muscle stiffness. Stretching eases tension and warms up the muscles in preparation for exercise. Spend five to 10 minutes before walking performing moves such as heel raises, lunges and hamstring stretches.
Considerations
Don’t stop walking altogether if you feel stiffness during exercise. Conditions like arthritis actually benefit from walking by strengthening muscles and joints. When you are inactive, muscle stiffness tends to worsen. Your doctor may advise to instead start out with short and slow walks. For instance, walk at a speed of 1 mph for five minutes the first week. Each consecutive week, increase the speed and time of your walk.


Advocacy is one of those principal responsibilities that can be both encouraging and discouraging at the same time.
On the one hand, principals resist advocacy because we want to focus on events in school. On the other hand, when you don’t actively advocate for schools, you often suffer the consequences of decisions made by others who don’t always understand what is in the best interest of students.
The National Association of Secondary Principals is an umbrella-organization for Student Council and National Honor Society. At this year’s annual NASSP Ignite conference, I began thinking about the idea of how principals could better connect these student leaders with school advocacy. Continue reading


Piaget referred to the cognitive development occurring between ages 7 and 11 as the
Cognitive Development: Age 7–11
concrete operations stage. While in concrete operations, children cannot think logically and abstractly. They are limited to thinking “concretely,” or in tangible, definite, exact, and uni‐directional terms based on real and concrete experiences rather than on logical abstractions. These children do not use “magical thinking,” so they are not as easily misled as younger children.
Piaget noted that children's thinking changes significantly during the concrete operations stage. They can engage in
classification, which is the ability to group according to features, and serial ordering, which is the ability to group according to logical progression. Older children come to understand cause‐and‐effect relationships, so they become adept at mathematics and science. They also comprehend the concept of stable identity—that “self” remains constant even when circumstances change. For example, older children know that their father maintains a male identity regardless of what he wears or how old he becomes.
In Piaget's view, children at the beginning of concrete operations do demonstrate conservation. Unlike preschoolers, school‐age children understand that the same amount of clay molded into different shapes remains the same. Children in concrete operations have also advanced beyond the egocentrism of preschoolers. By the school years, children have usually learned that other people have their own views, feelings, and desires.


In a series of experimental games, each of two players may choose between remuneration based on either private or team effort. Although at least one of the players has the subgame perfect equilibrium strategy to choose remuneration based on private effort, we frequently observe team remuneration chosen by both players. Team remuneration allows for high payoff for each player for cooperation, but at the same time provides individual incentives to take a free ride on the other player's effort. Due to significant cooperation we observe that in team remuneration participants make higher profits than in private remuneration. We also observe that, when participants are not given the option of private remuneration, they cooperate significantly less.
Subjects:
Team effort voluntary collaboration experimental economics


The first time a midwife cares for a woman having a stillbirth - a descriptive interpretive inquiry
Jones, Kay
Permanent linkhttp://hdl.handle.net/10292/5466 MetadataShow full metadata Abstract
This study has developed from recognition of the potential impact on midwives caring, for the first time, for women experiencing stillbirth. The main aim of the research is to identify and interpret this impact, if any, on the midwife. It also seeks to reach an understanding of the world of the midwife in relation to fetal loss. Current research focuses mainly on the experiences of the families who have gone through stillbirth. The specific experience of the midwife involved in this care is relatively absent in current research. It could be suggested that when caring for a woman who is going through a stillbirth, the midwife must navigate her own personal and professional journey. This journey was the focus of this qualitative study, using Heideggerian hermeneutic phenomenology. This philosophical approach seeks to reveal the lived experience of the midwife and explore the phenomenon of stillbirth from her viewpoint. Five community based midwives were interviewed and asked to talk about their story of the first time they cared for a woman who had experienced a stillbirth. Data from these interviews was analysed using van Manen’s framework. The findings of this thesis suggest that midwives also experience a sense of loss. These experiences are described in the following themes: Shockwave; denial + invisibility = self- protection; blameworthiness; touched by death; empathetic loss; and broken. This research strives to recognise that the death of a baby is a significant event for the midwife providing this care. A deeper understanding of the lifeworld of the midwife provides other midwives with the nod of knowingness about the hidden experience of caring for women who have had a stillbirth. The beneficiaries of this study will be midwifery students, new graduate midwives and, in fact, the wider midwifery community. Recommendations for organisational acknowledgement and support for community-based midwives, education for both under graduate and post graduate midwives and further research are made based on the findings of this study.


As scheduling consultants and trainers, we often hear the question, “How do I display Previous Period Billings in a P6 column, for the NAVFAC or USACE Earned Value report?”
Capturing and displaying the value of prior work in place in P6 isn’t as simple as I expected. The reason is that the value for prior periods is not a native field in P6. The value of the TOTAL work in place IS a native field. But even after having stored period performance, as soon as you add value for new work in place, that total also includes the new work. The trick is to isolate the new work from the previous and total columns, thereby having three discrete values. Here’s the simplest way I’ve found, following each approved schedule update:
1. Following contracting officer’s approved update for each pay app, close the financial period. (Don’t do so until the per cents complete are APPROVED, to eliminate adjusting closed periods).
2. Copy the approved schedule, and paste it into the appropriate EPS branch. I rename the new copy with a suffix, typically “01” for the first pay app, “02” for the second, and so on.
3. Open this newly-created schedule and delete any baselines within it. We will save it as a baseline for the current schedule, and P6 does not allow a baseline schedule to contain a baseline within itself.
4. In the most current updated schedule, add the newly-copied schedule as a baseline. Next assign the new baseline as the “Primary Baseline,” I typically keep the schedule’s (main) baseline unchanged, making the Primary Baseline assignment the first one available.
5. When these steps are complete, the final step is to insert the BL1 Actual Cost column ( typically renamed “Prior Billings”, or similar), into the Earned Value Report layout. The correct values for Current Work, Previous Billings, and Total Work in Place can now be accurately displayed in three separate columns, for each cost-loaded activity.
By completing these steps for each pay period, the value of previously billed work will remain separate from the total work in place, (which always includes the value of the current period). It’s simple once you know how, but arguably isn’t intuitive. I used to spend at least an extra hour every month, running a global change routine to store the values in a user defined field, (which is a lot of extra effort). Thank s to Mark Stenstrom for the tip to use Baselines, in place of the more complicated UDF.


The fire element is the most volatile of all the five feng shui elements—it has the power to both destroy and renew. However, fire’s power to destroy is often seen as a means to rebirth at a higher level. It is a symbol of purification and regeneration. Of the five elements of feng shui, fire is best used if you seek transformation and change.
The element of fire is often represented by the sun. Fire, like the sun, provides light and warmth. Therefore, all types of lighting, candles, and fireplaces make terrific feng shui cures. “Fiery” feng shui colors like red and orange will help activate the elements of fire as well. Less commonly known is that according to the properties of the five Chinese elements, animals and things made from animals activate fire.
"Just as a candle cannot burn without fire, men cannot live without a spiritual life."
- Buddha


Up to 100,000 households could be lifted out of fuel poverty after the government persuaded the UK's six largest energy suppliers to increase the amount they spend on social programmes.
The six will invest £225 million to help households offset the rising cost of fuel bills.
Energy secretary John Hutton secured the deal with Centrica, EDF Energy, EoN, Npower, Scottish and southern and Scottish power last month.
They agreed to treble their collective annual spend on social assistance, rising to £150 million by 2011.
Energy regulator Ofgem will now monitor their commitment, with the money being invested over three years.
Mr Hutton: "This is a significant boost to the billions already spent by government and the energy companies and means we can now get this vital extra support to the people who really need it in time for the coldest months this coming winter."
The deal is part of the government's commitment to alleviating fuel poverty and follows Alistair Darling's pledge to increase the winter fuel allowance, announced in last month's Budget.
Mr Darling had also pledged the government would secured additional support for the poorest households.
Mr Hutton concluded: "I do not underestimate the difficulties and anxiety that rising energy prices can cause but I believe that this extra cash, coupled with ensuring we have the most competitive market possible, will help us toward our goal of eradicating fuel poverty in the UK."


Kansas companies that aren't getting the most out of the IT services could achieve their full potential through a consultant. A thorough assessment of how the company accomplishes their IT-related projects determines if they are utilizing their resources effectively. This evaluation could identify errors that could be avoided through off-site services. It could also provide the business owner with further insight into how to achieve goals without exceeding their spending budget.
Cost-Effective Strategies of Outsourcing
Business owners who aren't ready to branch out and add to their staff could benefit from outsourced IT services. The services provide them with dedicated networks in which an off-site administrator maintains. Through Kansas City IT consulting, the company receives an effective network with guaranteed connectivity and functionality. Through these outsourced services, they have access to administrators at all times that evaluate the network to assure the company of reliable services when they need them.
Assessing How the Network is Used
The kansas city's top IT consultants evaluate how companies use their network connections. For example, companies that require video conferencing and similar services require high download speeds and bandwidth to improve the function of the services. This prevents delays of these services, and potential issues associated with how the information is transmitted over the network.
By reviewing how the network and services are used, the consultant determines what modifications could optimize these services. As the services are improved, the company sees heightened productivity among their workers. This could in turn increase their profits overall and reduce unnecessary issues. The company could see greater success and more satisfied clients. To review these probabilities, contact the great KC tech companies for more information.
Reducing Common Expenses
Companies that utilize outsourced IT services aren't restricted to the standard workday to acquire assistance. Employees who travel for business functions could acquire assistance when accessing the network remotely. Through outsourced services, they could contact the administrator when they need them to provide a more secure connection. This could ultimately reduce a loss or compromise of confidential data.
Additionally, the owner isn't responsible for paying the salary of an IT staff. The outsourced services are performed off-site. The owner is responsible for fees associated with the services they need only. A contract is produced that outlines the cost of each service requested including the total cost each month.
Business owners could acquire an advantage over their competition through outsourced IT services. These services are available as needed. Unlike an on-site staff, the cost of these services is significantly less and could provide more benefits overall. Company owners who wish to review these opportunities should contact Invision KC tech consulting today.


This section works through a sample protocol (see Appendix 10–A) for strepthroat to aid readers in understanding how to produce and use legal strictprotocols for NPPs. In some states it may not be necessary for NPPs to actunder strict protocol. Nevertheless, in any jurisdiction, physicians should usecaution in authorizing practice by nonphysicians without strict protocols.


Oregon State University urges students to have a laptop powerful enough for the computational requirements necessary for coursework and a successful learning experience. These are not requirements. These recommendations are a baseline and do not replace recommendations (or requirements) made by specific colleges.
Please consult the IS Service Desk if you have questions about purchasing equipment or upgrading an existing laptop.
In addition, you may want to refer to the following recommendation lists:
While tablets and smartphones are not currently integral in most learning environments, their use in learning is increasing daily. They are also integral to student life. They are not, however, typically a suitable replacement for a traditional computer or laptop. If you do purchase a mobile device, a device with good battery life and support for 5 GHz wireless will enhance your experience at OSU.


Barrick Gold (NYSE:ABX) will be lowering its gold price assumption from $1,500 per oz. to $1,100 per oz. and will calculate its 2013 year-end reserves based on this assumption. At the end of 2012, the company had reported reserves of 140 million ounces, calculated using a long-term price of $1,500 per oz. At a price assumption of $1,100 per oz., some of the company's reserves that contain lower ore grades will become uneconomical to mine. As a result, the company will be reporting a decline in its reserves in the upcoming results.
Using a gold price assumption of $1,200 per oz. would reduce its reserves by less than 10%, but the company will now be using a price assumption of $1,100 per oz., which could lead to a considerable decline in its reserves. In case of a significant fall in the company's reserves, Barrick will be forced to write-down its assets, causing impairment charges. Even though impairment is a non-cash expense, it will impact the company's future performance as it will generate lower cash flows from the impaired assets. For Barrick, asset impairments aren't new, and the company's financials have been negatively impacted in the past by huge write-downs. In the first nine months of 2013, the company reported after-tax asset impairment charges of $6.45 billion, primarily due to a $5.1 billion write-down of the Pascua-Lama project.
The development activities at the Pascua-Lama mine were suspended in October last year, as Barrick faced a number of issues such as completion delays, increasing costs, environmental penalties and declining gold prices. The company has already spent around $5.7 billion on the project, and the project delay is a severe blow to the company's future prospects. Moreover, the project is set to be written down further in the upcoming results which will cause impairment losses.
On the other hand, companies such as
Yamana Gold (NYSE:AUY) and Randgold Resources (NASDAQ:GOLD) have used conservative accounting assumptions. Yamana calculates its reserves using a price assumption of $950 per oz. and Randgold uses an assumption of $1,000 per oz. Below, I have compared the net income of these companies over the past three years.
(665)
442
432
(7,536)
137
197
With gold prices declining 28% in 2013, profits posted by gold companies have been on the downside. While Yamana and Randgold have managed to remain profitable, Barrick has struggled with losses due to asset write-downs in the past two years. Moreover, Barrick's stock price has also underperformed during the two-year period compared to Yamana and Randgold.
As a result of using conservative gold price assumptions, both Yamana and Randgold don't run the risk of reporting impairments in the coming quarters. On the contrary, Barrick will possibly record asset impairments in the near future.
A look at the ongoing projects
With development activities suspended at the Pascua-Lama mine, Barrick will have to rely on other projects that will increase its output at lower costs. The Pueblo Viejo mine is one such project, and Pueblo Viejo Dominicana Corp (PVDC), a joint venture between Barrick (60%) and
Goldcorp (NYSE:GG) (40%), operates this mine. The mine commenced commercial production in the beginning of 2013, and it is one of the lower-cost mines owned by Barrick. As compared to the company's overall all-in sustaining costs (AISC) of $919 per oz., the Pueblo Viejo mine reported an AISC of $743 per oz. in the first nine months of 2013. AISC is a common metric used by gold producers to report the cost of producing gold.
For 2013, Barrick expects its production share from the mine to be 500,000 ounces at an AISC of $700-$750 per oz. Going forward, the Pueblo Viejo mine is expected to ramp up to full capacity in the first half of this year. Once the mine begins full production, the AISC of the mine will come down, which will help reduce Barrick's production costs. In terms of costs, Barrick is already in a better position when its nine month AISC is compared with that of its peers.
$919 per oz.
$950 per oz.
$1,136 per oz.
With a mine life of above 25 years and almost 15 million ounces of gold reserves, I believe the Pueblo Viejo mine will play an important role in Barrick's future success.
The Cortez mine is another high quality mine that operates at a lower AISC compared to Barrick's overall AISC. The AISC reported by Cortez in the first nine months was $416 per oz., much lower than Barrick's AISC of $919 per oz. During this period, the mine contributed nearly 20% of Barrick's total production. However, in the coming quarters, the production from the Cortez mine is expected to decline due to lower ore grades, which will lead to higher costs. As compared to the second quarter AISC of $376 per oz., the mine's AISC increased to $476 per oz. in the third quarter due to lower grades and recoveries. The company anticipates an increase in production costs at the Cortez mine in 2014, which will increase the company's overall AISC.
Conclusion
Due to lowering its gold price assumption, Barrick will be forced to lower its reserves and record asset impairments. In the past, asset write-downs have negatively affected the company's stock performance. However, the company's Pueblo Viejo mine will achieve full production this year and will help reduce production costs. The increase in production from Pueblo Viejo will be offset by lower production from the Cortez mine. I recommend investors not to make any new positions in this stock.
Disclosure: I have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.


Sixty-five percent of cancer patients with type 2 diabetes who had diabetes education had A1C tests at least twice, while 88% underwent testing at least once over three years, a study in Population Health Management revealed. Researchers also found type 2 diabetes patients who had diabetes education following cancer diagnosis were more likely than those who did not receive the information to monitor their glucose levels, resulting in fewer emergency department visits and hospital admissions, as well as lower costs.


The Lanham Act is not a “consumer protection act,” and courts have recognized that the Lanham Act false advertising cases vindicate “competitive” injuries virtually
without regard to “consumer” interests. A recent decision confirms a related principle: Lanham Act plaintiffs may not automatically tack on state consumer protection claims to their competitor cases.
In a decision on May 26, 2011 involving competing tax services, Jackson Hewitt v. H&R Block, the Southern District of New York dismissed a New Jersey consumer protection act (CPA) claim from a lawsuit alleging competitive misconduct. In its complaint, Plaintiff Jackson Hewitt alleged that H&R Block, plaintiff’s “direct competitor” in the tax preparation business, disparaged Jackson Hewitt by suggesting that 2 out of 3 tax returns prepared by Jackson Hewitt contained errors (see H&R Block's Second Look Review program here). The court noted that Jackson Hewitt’s case alleged “unfair practices that have disadvantaged Jackson Hewitt in the marketplace.” Significantly, however, the court found that “[n]owhere does Jackson Hewitt allege a harm associated with consuming H&R Block's services”. While the allegations stated a claim under the Lanham Act, the court dismissed the New Jersey CPA claim because that statute remedies “consumer fraud,” not competitive injuries.
This is the outcome, even though the advertising at issue actually was directed to consumers, and, if the advertising is false, consumers could bring a separate lawsuit for the same conduct. But not in this lawsuit. The court concluded that “Jackson Hewitt has brought this lawsuit as a competitor of H&R Block, not a consumer of its services, and therefore cannot avail itself of the [consumer protection] Act.” This will not be the result in all competitor cases because some state CPA statutes also reach competition injuries.


Albert Bandura
Albert Bandura is a contemporary psychologist specializing in developmental psychology and educational psychology. Much of his work centers around social learning theory. He is one of the most widely-cited psychologists of all time.
Early Life
Albert Bandura was born in Alberta, Canada, in the small town of Mundare. He was the youngest of six children, two of whom died in youth, one from a hunting accident and another from the flu pandemic. Bandura’s parents were hardworking and self-educated. They instilled in him a joy for celebrating life and the importance of education. His primary education was explorative and practical, as the school he attended was led by only two teachers and had limited resources for educational materials. Bandura saw this as an advantage, as he was forced to rely on his own inquisitiveness and the world around him to grasp the concepts that would serve to further his knowledge.
After finishing school, Bandura went to the Yukon to help protect the Alaskan Highway from sinkholes. Upon his return home, he was given the choice between staying on the farm in the remote, socially limited town and continuing his education.
Professional Life
Bandura entered the University of British Columbia and stumbled onto his career by choosing a psychology class as a filler for his curriculum. He instantly fell in love with the field and earned his BA in only three years and was awarded the Bolocan Award in psychology. He continued his studies at the University of Iowa where he earned his MA and his PhD.
While at the University of Iowa, Bandura studied under Kenneth Spence and was influenced by his predecessor, Clark Hull. Bandura began experimenting with imagery, reciprocal determinism, and representation. He began to develop a set of theoretical and analytical skills and was able to offer psychologists a new approach to the evaluation of the mental process, aside from the traditional model of psychoanalysis. Bandura interned briefly at the Wichita Kansas Guidance Center and eventually began teaching at Stanford University in 1953, where he has remained ever since. He currently holds the position of professor
emeritus.
Contribution to Psychology
Bandura began his research endeavors by focusing on human motivation, action, and thought. He worked with Richard Walters to explore social aggression. Their study emphasized the impact of modeling behaviors and gave way to research in the area of observational learning.
His best-known study is the Bobo Doll Experiment. This study exposed children to adults behaving aggressively toward a doll; it demonstrated that children behave aggressively when aggression is modeled by adults. However, if the adult was punished for hitting the doll, children were less likely to hit the doll. The experiment has frequently been cited by opponents of media violence, but it has also been criticized on ethical grounds because it exposed children to violence. Bandura emphasized that children learn in a social milieu and often imitate the behavior of others—a process known as social learning theory.
Bandura developed his social cognitive theory from a holistic view of human cognition in relation to social awareness and influence. He emphasized that behavior is guided by a combination of drives, cues, responses, and rewards. For example, a child might have a drive to eat candy, and this desire can be reinforced if the parent responds by eating candy with the child or rewards the child with praises for eating candy.
His theory of moral agency is an offshoot of his social cognitive theory. Moral behavior is a product of self-regulation, but a person’s self-regulation has to be activated in a social context. Bandura argues that people have two choices: to act humanely or inhumanely. Inhumane behavior becomes possible when a person can justify such behavior. This justification involves a kind of “cognitive restructuring,” which follows a specific pattern. Sanitizing language, which removes the weight of cruelty from an action, is a key component. For example, referring to genocide as elimination, or racial cleansing, removes the messy and cruel element of the behavior. Other methods for justification include moral justification; social comparisons that relieve participants of moral obligations and personal agency; minimizing the harm caused to another; and displacing responsibility onto another person or an entire group. Blaming or dehumanizing the victim is often a key ingredient in inhumane actions.
Bandura also developed the theory of self-efficacy. Self-efficacy is a person's belief in his or her own ability. Bandura found that people who believed they could overcome their phobias, for example, were more likely to do so. The concept of self-efficacy has also played a key role in educational psychology; students who believe they can master a concept are more likely to meet that goal.
He has published several books that explore social cognitive theories, self-organization and regulation, and self-efficacy. He has won many awards, including the Grawemeyer Award in Psychology in 2008. He has been listed as one of the most influential figures in modern psychology, and is cited fourth behind Skinner, Freud, and Piaget. He is often described as the “greatest living psychologist.”
Quote by Albert Bandura
Last Update: 07-07-2015


Babies born to mothers with gestational or pregestational diabetes, particularly boys, had a greater likelihood of being overweight at age 17 than did those with nondiabetic mothers, Israeli researchers found. They noted that babies exposed in utero to maternal diabetes were substantially heavier and longer at birth compared with the control group. The findings were presented at the American Diabetes Association's annual meeting.


The Income Tax Department has conferred the Silver Award in the National Awards on e-Governance-2016-17 for the e-filing of Income Tax returns and other forms project in the category “Incremental Innovations” in existing projects.
The award is in recognition of the achievements of the Department in the area of e-Governance and for significant innovations in successful e-Governance programs in the current Award period. The e-filing of Income Tax returns project had already won the Silver Award in the National Awards on e-Governance in 2007-08.
The path breaking innovations introduced by the Department in the e-filing of Income Tax returns project are:
Introduction of Electronic Verification Code (EVC)– This innovation introduced in July 2015 enables the citizen to electronically verify Income tax returns and other forms using EVC through third party authentication services provided by Aadhaar using Aadhaar OTP, authentication by banks using net banking, ATM, bank account validation and security depositories such as NSDL and CDSL using demat account validation. The taxpayer can use any of these authenticating mechanisms to receive an Electronic Verification Code (EVC) which can be entered after submission of a return to verify and complete the process. This year alone over 1.1 Cr Income Tax returns have been electronically verified using EVC thereby obviating the need to submit a paper copy of the ITR-V to CPC Bangalore as was being done earlier. Securing taxpayer account using E-filing Vault– This innovation aims at adding one more level of authentication to the process of login to the “My Account” of the tax payer and for resetting of password by leveraging the EVC concept. E-filing Vault enables the tax payer to completely secure the e-filing account to prevent any unauthorized access. Easy compliance through Non-Filers Monitoring and E-Sahyog– This innovation aims at providing convenience to the tax payer for submitting tax compliance response through the e-filing portal. The taxpayer can now sitting at home or office any time any where respond to any letter from the Department seeking taxpayer clarification regarding non filing of return or any mismatch in Income Tax return. This innovation has the potential to significantly reduce compliance cost and increase voluntary compliance.
The Income Tax Department is spurred by the recognition received and is encouraged to initiate more innovations to facilitate taxpayers through its e-Governance programs.


The Nature/Nurture Debate Darba fragments Aizvērt
Nature --- Innate behaviour. This is the behaviour that has been evolved over many generations, under the influence of natural selection. The behaviour is adapted to the animal's way of life and is shown by all members of the species.
Nurture --- Learned behaviour. The individual animal throughout its life learns this type of behaviour. There is often great variation among a species because it all depends on the environment and experiences of the individual animal. There is a big controversy between whether inherited genes or the environment influences and affect our personality, development, behaviour, intelligence and ability. This controversy is most often recognized as the nature verses nurture conflict. Some people believe that it is strictly genes that affect our ways of life, others believe that it is the environment that affects us, and some believe that both of these influence us. …
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If you have any plans to sell your older home, consider the fact that a new or updated kitchen tops most buyers' wish lists. Though you may not mind decades-old cabinetry and countertops, prospective owners might find them a real turnoff. Remodeling your kitchen could go a long way toward eventually earning you a bid that meets your asking price. By the same token, take a critical look at your bathrooms. In a space like the living room, age imparts character and charm; in kitchens and bathrooms, that is decidedly not the case.


Abstract
This report contains a cost estimate of the Bureau of Mines process for dewatering Alaskan placer effluent streams with polyethylene oxide (peo). In this process, effluent slurry is withdrawn from the placer plant pond system after a primary settling stage. A dilute peo solution is injected into the slurry line to flocculate the fine, suspended solids. The flocculated solids are dewatered on a stationary screen. Clarified water is returned to the placer operation or discharged, while the 35% solids waste is pumped back into the mine cut. Cost estimates are presented for dewatering plants processing 1,000 gallons per minute of effluent slurry at three representative turbidity levels. Both the placer and the dewatering plants operate on the same 1-shift-per-day, 6-day-per- week schedule for the 100-day Alaskan operating season. Estimated fixed capital costs for these plants processing placer with effluent turbidities of 1,000, 3,000, and 5,000 nephelometric turbidity units are approximately $29,000, $31,000, and $34,000, respectively, on a fourth-quarter 1986 basis. Operating costs are estimated to be $0.34, $0.37, and $0.40 Per thousand gallons of effluent slurry, respectively.


UK Parliament body discusses health risks of Roundup
The UK Parliament’s Parliamentary Group on Agroecology met in June to discuss the dangers of exposure to glyphosate, the active ingredient in Roundup. At the meeting, international experts shared their findings not only with members of UK political parties, but also with non-profit representatives, the media, and the general public. Among the experts was Dr. Malcom Hooper, a professor of Medicinal Chemistry at the University of Sunderland, who pointed out that humans consume frequent, daily doses of glyphosate as residues in our food. He reported this exposure can harm beneficial gut bacteria, leading to leaky gut, irritable bowel syndrome Chrohn’s disease, celiac disease, and gluten intolerance. Research, he said, indicates that the “inert” ingredients in Roundup can also increase its toxicity well above the tested levels of glyphosate alone. Another presenter, Dr. Don Huber, professor emeritus of Plant Pathology at Purdue University, spoke about the interactions of glyphosate and GMOs on soil, plant, animal, and human health. Dr. Huber voiced safety concerns with glyphosate and GMO exposure, including potential associations with increased levels of toxic products, premature aging, reproductive failure, immune system failure, infertility, and birth defects. Other presenters included Dr. John Peterson Myers, Founder, CEO and Chief Scientist of Environmental Health Sciences, and Dr. Michael Antoniou, Reader in Molecular Genetics and Head of the Gene Expression and Therapy Group, Department of Medical and Molecular Genetics, King’s College London School of Medicine, UK.


Biochemical Foundations of Health and Energy Conservation in Hibernating Free-Ranging Subadult Brown Bear Ursus arctos 2016 (English)In: Journal of Biological Chemistry, ISSN 0021-9258, E-ISSN 1083-351X, Vol. 291, no 43, 22509-22523 p.Article in journal (Refereed) Published Abstract [en]
Brown bears (Ursus arctos) hibernate for 5-7 months without eating, drinking, urinating and defecating at a metabolic rate of only 25% of the summer activity rate. Nonetheless, they emerge healthy and alert in spring. We quantified the biochemical adaptations for hibernation by comparing the proteome, metabolome, and hematologic features of blood from hibernating and active free-ranging subadult brown bears with a focus on conservation of health and energy. We found that total plasma protein concentration increased during hibernation, even though the concentrations of most individual plasma proteins decreased, as did the white blood cell types. Strikingly, antimicrobial defense proteins increased in concentration. Central functions in hibernation involving the coagulation response and protease inhibition, as well as lipid transport and metabolism, were upheld by increased levels of very few key or broad-specificity proteins. The changes in coagulation factor levels matched the changes in activity measurements. A dramatic 45-fold increase in sex-hormone-binding-globulin SHBG levels during hibernation draws, for the first time, attention to its significant but unknown role in maintaining hibernation physiology. We propose that energy for the costly protein synthesis is reduced by three mechanisms, (i) dehydration, which increases protein concentration without de novo synthesis; (ii) reduced protein degradation rates due to a 6 °C reduction in body temperature, and decreased protease activity; and (iii) a marked redistribution of energy resources only increasing de novo synthesis of few key proteins. This comprehensive global data identified novel biochemical strategies for bear adaptations to the extreme condition of hibernation, and have implications for our understanding of physiology in general.
Place, publisher, year, edition, pages
Rockville, USA: American Society for Biochemistry and Molecular Biology, 2016. Vol. 291, no 43, 22509-22523 p.
Keyword [en]
Antimicrobial proteins, blood constituents, coagulation factor, complement system, hibernation physiology, metabolomics, protein turnover, proteomics, sex hormone-binding globulin (SHBG)
National Category Biochemistry and Molecular Biology Research subject Biochemistry IdentifiersURN: urn:nbn:se:oru:diva-52176DOI: 10.1074/jbc.M116.742916ISI: 000386760600013PubMedID: 27609515ScopusID: 2-s2.0-84992343533OAI: oai:DiVA.org:oru-52176DiVA: diva2:972609 Note
Funding Agency:
Lundbech Foundation R126-2012-12408
Aalborg University2016-09-212016-09-142016-11-25Bibliographically approved


Raman Spectroscopy Raman Imaging
Raman imaging is a powerful technique for generating detailed chemical images based on a sample’s Raman spectrum. A complete spectrum is acquired at each and every pixel of the image, and then interrogated to generate false colour images based on material composition, phase, crystallinity and strain.
In standard operation HORIBA’s confocal Raman microscopes are diffraction limited, with achievable spatial in the order of 250-300nm (depending on laser wavelength and objective) – features smaller than this can still be detected but without true spatial information. Tip Enhanced Raman Spectroscopy (TERS) moves beyond this diffraction limit, allowing a spatial resolution of below 25 nm to be routinely measured on TERS-enabled Raman-AFM systems.
Standard point-by-point mapping affords the ultimate sensitivity for materials with extremely low Raman scattering properties, and additionally allows high resolution, large spectral range capability. Typical acquisition times for such maps can be in the order of 1s-10s per point (or longer), and thus total measurement times can be significant.
The SWIFT™ Ultra-fast Raman Imaging module offers drastically reduces measurement times with acquisition times down to <5ms/point, allowing large area survey scans, 3D confocal volume mapping and detailed Raman images to be completed in seconds or minutes!
HORIBA Scientific offers a range of novel technologies for Raman imaging:
SWIFT™ Ultra-fast Raman imaging with acquisition times below 5ms/point, allowing hyperspectral Raman images to be acquired in just seconds or minutes! DuoScan™ The DuoScan™ technology enables the ultimate flexibility for Raman imaging, including easy sub-micron Raman imaging, adjustable laser spot sizes, and 100% coverage of a sample for macro-mapping. EMCCD Electron multiplying CCD technology offers significant increases in sensitivity for challenging samples with low signal levels.


Introduction
No road, no trail can penetrate this forest. The long and delicate branches of its trees lie everywhere, choking space with their exuberant growth. No sunbeam can fly a path tortuous enough to navigate the narrow spaces between these entangled branches. All the trees of this dark forest grew from 100 billion seeds planted together. And, all in one day, every tree is destined to die.
Â Â Â This forest is majestic, but also comic and even tragic. It is all of these things. Indeed, sometimes I think it is everything. Every novel and every symphony, every cruel murder and every act of mercy, every love affair and every quarrel, every joke and every sorrowâ€‰â€"â€‰all these things come from the forest.Â
Â Â Â You may be surprised to hear that it fits in a container less than one foot in diameter. And that there are seven billion on this earth. You happen to be the caretaker of one, the forest that lives inside your skull. The trees of which I speak are those special cells called neurons. The mission of neuroscience is to explore their enchanted branchesâ€‰â€"â€‰to tame the jungle of the mind (see Figure 1).
Â Â Â Neuroscientists have eavesdropped on its sounds, the electrical signals inside the brain. They have revealed its fantastic shapes with meticulous drawings and photos of neurons. Their discoveries are amazing, but from just a few scattered trees, can we hope to comprehend the totality of the forest? Â Â Â In the seventeenth century, the French philosopher and mathematician Blaise Pascal wrote about the vastness of the universe:
Â Â Â Â Â Â Â Â Â Let man contemplate Nature entire in her full and lofty majesty; let him put far from his sight the
Â Â Â Â Â Â Â Â Â lowly objects that surround him; let him regard that blazing light, placed like an eternal lamp toÂ Â Â Â Â Â Â Â Â Â Â illuminate the world; let the earth appear to him but a point within the vast circuit which that star Â Â Â Â Â Â Â Â Â describes; and let him marvel that this immense circumference is itself but a speck from theÂ Â Â Â Â Â Â Â Â Â Â viewpoint of the stars that move in the firmament.
Shocked and humbled by these thoughts, he confessed that he was terrified by â€œthe eternal silence of these infinite spaces.â€ Pascal meditated upon outer space, but we need only turn our thoughts inward to feel his dread. Inside every one of our skulls lies an organ so vast in its complexity that it might as well be infinite.
Â Â Â As a neuroscientist myself, I have come to know firsthand Pascalâ€™s feeling of dread. I have also experienced embarrassment. Sometimes I speak to the public about the state of our field. After one such talk, I was pummeled with questions. What causes depression and schizophrenia? What is special about the brain of an Einstein or a Beethoven? How can my child learn to read better? As I failed to give satisfying answers, I could see faces fall. In my shame I finally apologized to the audience. â€œIâ€™m sorry,â€ I said. â€œYou thought Iâ€™m a professor because I know the answers. Actually Iâ€™m a professor because I know how much I donâ€™t know.â€
Â Â Â Studying an object as complex as the brain may seem almost futile. The brainâ€™s billions of neurons resemble trees of many species and come in many fantastic shapes. Only the most determined explorers can hope to capture a glimpse of this forestâ€™s interior, and even they see little, and see it poorly. Itâ€™s no wonder that the brain remains an enigma. My audience was curious about brains that malfunction or excel, but even the humdrum lacks explanation. Every day we recall the past, perceive the present, and imagine the future. How do our brains accomplish these feats? Itâ€™s safe to say that nobody really
knows.
Â Â Â Daunted by the brainâ€™s complexity, many neuroscientists have chosen to study animals with drastically fewer neurons than humans. The worm shown in Figure 2 lacks what weâ€™d call a brain. Its neurons are scattered throughout its body rather than centr


June 1, 2010 Squirrels Show Softer Side By Adopting Orphans
Those neighborhood squirrels you often see fighting over food may not seem altruistic, but new University of Guelph research has found that the critters will actually take in orphaned relatives.
The study by Guelph Prof. Andrew McAdam, along with researchers from the University of Alberta and McGill University, revealed that red squirrels will adopt pups that have lost their mother.It's a significant finding because while such adoptions are typical among species that live in extended family groups, it's much less common among asocial animals, such as squirrels.
"Social animals, including lions and chimpanzees, are often surrounded by relatives, so it's not surprising that a female would adopt an orphaned family member because they have already spent a lot of time together," said McAdam, an evolutionary biologist. "But red squirrels live in complete isolation and are very territorial. The only time they will allow another squirrel on their territory is the one day a year when the females are ready to mate or when they are nursing their pups."
But the study, published in Nature Communications, also found that squirrels have their altruistic limits. They will adopt only if the orphans are related, and even then it's a rare occurrence.
Over two decades, the research team has come across only five cases of adoption.
"That's five cases out of the thousands of litters that have been born since the project began," said McAdam. "Adoption does happen, but it's rare."
Jamie Gorrell, a PhD candidate at the University of Alberta, identified 34 cases of potential adoption over 20 years. An adoption is possible only if the mother dies and a nearby squirrel is also nursing.
"We discovered relatedness plays a critical role in whether a neighboring squirrel will adopt or not," said McAdam.
In all five adoption scenarios, the pups were nieces, nephews, siblings or grandchildren to the adoptive mother.
"From an evolutionary perspective, the phenomenon of adoption raises the question of why an animal would adopt in the first place given that it jeopardizes the survival of their own offspring," said McAdam. "Under the right conditions, an animal can propagate more copies of its genes by helping relatives to raise their offspring than by producing offspring of their own. So in some cases it might be a good bet to adopt and accept these costs."
By examining the breeding records of thousands of squirrels over the past 20 years, McAdam was able to calculate the costs of adoption.
"What we found was that squirrels will only adopt an orphaned pup when the costs of adoption are low and when the orphans carry a large percentage of the same genes such as siblings, nieces or nephews rather than more distant relatives."
What's also remarkable is that squirrels are able to assess which pups are related or not, he added.
As squirrels rarely interact, they learn who their nearby relatives are by hearing their unique calls, he said. If they fail to hear a relative's calls for a few days, they may investigate.
"We suspect that, if they find pups on the territory, they remember that their neighbor was a relative and carry the pups back to their nest. This would be quite intelligent behavior for a squirrel."
The study was part of a long-term field experiment in Yukon aimed at investigating the importance of food abundance to the ecology and evolution of red squirrels. Under the Kluane Red Squirrel Project (http://www.redsquirrel.ca) begun in 1987, scientists have monitored behavior and reproduction of about 7,000 squirrels.
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Image Caption: Female red squirrel prepares to move a juvenile between nests. Photo Credit: Ryan W. Taylor
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A:The best advice in terms of latex allergies is avoidance. Non severe latex allergy like itching and burning can be treated with antihistamine medications like benadryl etc. and steriod cream for topical application. However your friend needs to exercise caution because severe allergic reactions like anaphylaxis may occur with latex allergy, and so he needs to avoid any contact with latex. He may consult his GP and may be advised to carry an epinephrine auto-injection kit and wear Medic-Alert identification, in case of an emergency.
(*)These Q&A’s are for educational purposes and should not be relied upon as a substitute for medical advice you may receive from your physician. If you have a medical emergency, please call 911. These answers do not constitute or initiate a patient/doctor relationship.


The small regulatory RNA microRNA-21 (miR-21) plays a crucial role in a plethora of biological functions and diseases including development, cancer, cardiovascular diseases and inflammation. The gene coding for pri-miR-21 (primary transcript containing miR-21) is located within the intronic region of the TMEM49 gene. Despite pri-miR-21 and TMEM49 are overlapping genes in the same direction of transcription, pri-miR-21 is independently transcribed by its own promoter regions and terminated with its own poly(A) tail. After transcription, primiR- 21 is finally processed into mature miR-21. Expression of miR-21 has been found to be deregulated in almost all types of cancers and therefore was classified as an oncomiR. During recent years, additional roles of miR-21 in cardiovascular and pulmonary diseases, including cardiac and pulmonary fibrosis as well as myocardial infarction have been described. MiR-21 additionally regulates various immunological and developmental processes. Due to the critical functions of its target proteins in various signaling pathways, miR-21 has become an attractive target for genetic and pharmacological modulation in various disease conditions.


Over deze norm
Status Definitief Aantal pagina's 118 Commissie Industrieel meten, regelen en automatiseren Gepubliceerd op 01-09-2014 Taal Engels
NEN-EN-IEC 60770-3 specifies the following methods. - Methods for - assessment of the functionality of intelligent transmitters; - testing the operational behaviour, as well as the static and dynamic performance of an intelligent transmitter. - Methodologies for - determining the reliability and diagnostic features used to detect malfunctions; - determining the communication capabilities of the intelligent transmitters in a communication network. The methods and methodologies are applicable to intelligent transmitters, which convert one or more physical, chemical or electrical quantities into digital signals for use in a communication network (as specified in the IEC 61158 series or others) or into analogue electrical signals (as specified in the IEC 60381 series). The methods and methodologies listed in this part of IEC 60770 are intended for use by: - manufacturers to determine the performance of their products, and - users or independent testing laboratories to verify equipment performance specifications. Manufacturers of intelligent transmitters are urged to apply this part of IEC 60770 at an early stage of development. This standard is intended to provide guidance for designing evaluations of intelligent transmitters by providing: - a checklist for reviewing the hardware and software design in a structured way; - test methods for measuring and qualifying the performance, dependability and operability under various environmental and operational conditions; - methods for reporting the data obtained.
Details
ICS-code 25.040.40 Nederlandse titel Meetzenders voor gebruik in besturingssystemen voor industriële processen - Deel 3: Methoden voor prestatie-evaluatie van intelligente zenders Engelse titel Transmitters for use in industrial-process control systems - Part 3: Methods for performance evaluation of intelligent transmitters Vervangt


Using a Hazard Quotient to Evaluate Pesticide Residues Detected in Pollen Trapped from Honey Bees (Apis mellifera) in Connecticut Analysis of pollen trapped from honey bees as they return to their hives provides a method of monitoring fluctuations in one route of pesticide exposure over location and time. We collected pollen from apiaries in five locations in Connecticut, including urban, rural, and mixed agricultural sites, for periods from two to five years. Pollen was analyzed for pesticide residues using a standard extraction method widely used for pesticides (QuEChERS) and liquid chromatography/mass spectrometric analysis. Sixty pesticides or metabolites were detected. Because the dose lethal to 50% of adult worker honey bees (LD50) is the only toxicity parameter available for a wide range of pesticides, and among our pesticides there were contact LD50 values ranging from 0.006 to >1000 μg per bee (range 166,000X), and even among insecticides LD50 values ranged from 0.006 to 59.8 μg/bee (10,000X); therefore we propose that in studies of honey bee exposure to pesticides that concentrations be reported as Hazard Quotients as well as in standard concentrations such as parts per billion. We used both contact and oral LD50 values to calculate Pollen Hazard Quotients (PHQ = concentration in ppb ÷ LD50 as μg/bee) when both were available. In this study, pesticide Pollen Hazard Quotients ranged from over 75,000 to 0.01. The pesticides with the greatest Pollen Hazard Quotients at the maximum concentrations found in our study were (in descending order): phosmet, Imidacloprid, indoxacarb, chlorpyrifos, fipronil, thiamethoxam, azinphos-methyl, and fenthion, all with at least one Pollen Hazard Quotient (using contact or oral LD50) over 500. At the maximum rate of pollen consumption by nurse bees, a Pollen Hazard Quotient of 500 would be approximately equivalent to consuming 0.5% of the LD50 per day. We also present an example of a Nectar Hazard Quotient and the percentage of LD50 per day at the maximum nectar consumption rate. http://www.plosone.org/article/info%...l.pone.0077550


Recently I met a friend for coffee in between work, now you all know I work on a Fragrance counter and I love it. I know all the fragrances that we sell. But upon Finding the jacket that she had been wearing on the chair, I was drawn to the perfume I could smell on it, I wasn’t just able to recognise the beautiful smell. The perfume that she wore had a unique scent, so intoxicating and unconventional that it was hard to forget.
After returning the jacket to her the next day, on asking her which perfume it was I found that it was called ‘Dirham’, an oriental perfume popular in the Middle East. Unable to forget this scent, I proceeded to do some research and found the composition of this scent- Vetiver, bergamot, cardamom, lavender, Jasmine, Cedar, rose, Sandalwood and Lemon. Surprised to see the number of individual scents that made up this unique intoxicating mix, I curiously set foot into the fragrant world of aroma study and experimentation.
With websites on the internet giving a comprehensive explanation on the science behind perfumery- the different ‘notes’ of scents, the mixing of these essential oils and fragrances with ‘carrier oils’ and making perfume using alcohol, I was awestruck. I no longer had interest in buying exotic perfumes, I was more curious about creating them myself. I have blended oils before and had fun with them
I ordered my first batch of essential oils in relatively demure scents- jasmine, rose, lavender. I began mixing them in different combinations, keeping in mind all that I had read about the blending of essential oils, the top notes, the middle notes and base notes. My sense of smell was inundated with these exotic perfumes and I began to understand the what scents different people preferred. My best friend prefers a woody, spicy scent, while my colleague prefers a citrusy one. I discovered my own preferences and blended them to create perfect perfumes that have now become a signature scent.
Just as certain music is associated with certain memories, we associate certain scents with certain people and our experiences with them. On special days, I wear my ‘memory’ scent. A special blend I make note of before I wear. Months after, I recreate this scent and not just recapture the unique blend but also the memory associated with it. The recall is perfect and with complete clarity.
Usually when I make alcohol based perfumes, it requires a period of waiting- allowing the essential oils to blend in with the alcohol base. During this time, I like to flip through a few online bingo sites and play along a few game of bingo- the perfect pastime during a perfume wait.
Go ahead, order a batch of oils and create your own unique, heady scent. It’s worth your time and effort, I assure you.
This post was a collaboration with BetWay Bingo


Domestic Abuse Intervention Project. It is often called The Duluth Model.Even though it is not blatantly from a Christian or other faith tradition, it offers much for how men, in particular Christian men, should not view marriage. I encourage you to download the pdf for this diagram. Just click on the wheel and you will receive that file.
At the center of abusive relationships are POWER and CONTROL. Abusive people, especially abusive men, have a need, often without their conscious awareness, to be in control. When men try to control women, they resort to using power. They use power in these eight categories:
1. Intimidation - making your wife afraid of you
2. Emotional abuse - making your wife feel bad about herself
3. Isolation - limiting your wife's involvement with others
4. Minimizing, denying, blaming - not taking your wife's concerns seriously
5. Children - using your children to relay messages
6. Male privilege - acting like "master of the castle"
7. Economic abuse - making all the financial decisions
8. Coercion and threats - making threats
You may not be physically violent to your wife, but I invite you to consider the subtle ways in which you use power to control her. If you ask, God's Holy Spirit will reveal to you where your are doing so. Remember God doesn't use force.
What does the Bible say about power and control?
- God has always had power & authority
- All power and authority is given to Jesus
- God's power is best displayed when we are weak
- As Christians, we have authority to overcome all the power of the enemy
- God's divine power has given us everything we need for holiness
- Salvation, glory and power belong to God
- Self-control, not the control of others, is a sign of a fruitful Christian
How do you compare to what the Bible says about power and control?
Do you have a marriage that displays God's power or your own power?
Do you try to control others or do you exhibit self-control?
Tomorrow, we will be discussing what a MARVELOUS MARRIAGE looks like.
BE HOLY. BE A MAN.


Brick veneer walls should be constructed with a free-draining cavity between the veneer and the backup wall. Parging the back of the veneer can contribute to mortar droppings at the bottom of the cavity that interfere with proper drainage. Parging also may hold more water inside the brick veneer, which could lead to deterioration. Parging the veneer is thus unnecessary. Norbert V. Krogstad is a senior engineer at Wiss, Janney, Elstner Associates, Inc., Northbrook, Illinois


Many service organizations face an employee engagement challenge. According to Gallup’s Employee Engagement Index, service workers are the only category of employees that are less engaged today than two years ago.
It is no secret that engaged employees contribute additional skills, stay longer with the company, and deliver a better customer experience. So, how are your workforce management professionals engaging their people on a day-to-day basis?
Two ways to put this into practice are:
schedule ownership and gamification.
We recently advised an organization with 2,000 agents that was using a giant Excel spreadsheet to manage schedules. The glut of data had created a problem – schedules were published 30 days in advance. If an employee couldn’t make a shift, they submitted a change request to a central email address, but it was taking 45 days to process those requests. This produced a lot of missed shifts and unhappy employees.
So, put more
ownership of schedules in employees’ hands. Give them easy-to-use tools that allow them to trade shifts, request time off and more. Introduce shift bidding or ‘availability points,’ where every employee has a quota of points they need to meet for the week. Assign points to each shift, offering more points for the shifts that are hardest to fill. Best of all, automated processes can turn 45-day change request queues into instant approvals. Technology can help resolve the tension and ensure employees feel accountable for their schedule.
Beyond engaging employees in their schedules, engage them in their performance.
Gamification is the application of game mechanics to workplace activities. For example, creating a ‘badge’ for an employee that works back-to-back-to-back graveyard shifts; or, rewarding an employee with points for consistently meeting adherence goals. This application of technology inspires healthy competition, but also collaboration - creating social channels for employees to ask questions and share ideas.
Motivate employees by involving them in the way they work. Offering more schedule ownership and introducing gamification will help your employees be more focused and more engaged. Ultimately, that means the right person will be ready to handle the right call at the right time - this is Workforce Management gold.


The green warning signs like the one pictured above (located next to the city's cruise ship dock) mark the locations of Portland's combined sewer overflow outlets. During wet weather, when millions of gallons of rainwater flow into storm drains and overwhelm sewer pipes, these outlets keep sewerage from backing up into the streets, by dumping it into local waterways instead (read all the details here).
These combined sewer outlets can be found in surprising places: there are three in the heart of the Old Port, the city's tourism district, including one right next to the outdoor dining area of the Portland Lobster Company, another at the busy ferry terminal, and a third next to the city's cruise ship berth. Along with a few more further down the waterfront, these outlets collectively dump 145 million gallons of sewage into Portland Harbor in a typical year.


Over the past 50 years, a quiet revolution has taken place in this country. Decades of demographic, economic and social change have transformed the structure and composition of the American family. The pre-eminent family unit of the mid-20th century—mom, dad and the kids—no longer has the stage to itself. A variety of new arrangements have emerged, giving rise to a broader and evolving definition of what constitutes a family.


Local variational multi-scale method for turbulence simulation Author
Ramakrishnan, Srinivas
Date2005 Advisor
Collis, S. Scott
Degree
Doctor of Philosophy
Abstract
Accurate and efficient turbulence simulation in complex geometries is a formidable challenge. Traditional methods are often limited by low accuracy and/or restrictions to simple geometries. We explore the merger of Discontinuous Galerkin (DG) with Variational Multi-Scale (VMS), termed Local VMS (LVMS), to overcome these limitations. DG spatial discretizations support arbitrarily high-order accuracy on unstructured grids amenable for complex geometries. Furthermore, high-order hierarchical representation within DG provides a natural framework for a priori scale separation crucial for VMS implementation, a promising approach to LES. We study the efficacy of LVMS for turbulence simulation using a fully-developed turbulent channel flow. First, a detailed spatial resolution study is undertaken to record the effects of the DG discretization on turbulence statistics. Here, the local hp-refinement capabilities of DG are exploited to obtain reliable low-order statistics efficiently. Then, we explore the effects of enforcing Dirichlet boundary conditions through numerical fluxes in DG that allows solution jumps (slip) at the channel walls. This feature of DG is effective in mitigating the high near-wall resolution requirements in the wall-normal direction that enables reasonable drag predictions even with moderate resolutions. However, using coarse resolutions leads to significant slip at the channel walls that affect drag predictions. Here, modifying the numerical viscous flux to regulate this slip through a penalty is found to improve drag predictions. Thus, demonstrating the potential of the numerical viscous flux to act as a rudimentary wall-model. Next, for reduced-order modeling, we evaluate the merits of Spectral Filtering (SF) and Polynomial Dealiasing (PD) for improving non-linear stability. While both approaches are successful, PD is found to be better suited for Sub-Grid Scales (SGS) modeling. Finally, a VMS model is implemented to account for SGS effects. Results in good agreement with reference are obtained demonstrating the effectiveness of LVMS for wall-bounded turbulence. The locality of DG provides the flexibility to specify model parameters individually on each element. This unique feature of LVMS can be exploited for surgical modeling in a wide range of turbulent flows.
Keyword
Mechanical engineering


Jackson National Immediate Annuity Review
Immediate annuities are long-term, tax-deferred vehicles designed for retirement. Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59½.
Why a Jackson immediate annuity?
Pensions and Social Security used to be the main funding for retirement. Today, however, people have to rely more on their personal assets to fund retirement while ensuring that their income lasts as long as they do. An immediate annuity from Jackson is a financial vehicle that can provide a variety of appealing benefits which can be tailored to fit your particular retirement needs.
Valuable features include: 1. Dependable and predictable income options, including lifetime income 2. Protection against market swings and interest rate volatility so the income you receive is not affected 3. Protection against inflation with an optional Income Escalator Payment options (subject to a $50 minimum payment unless direct-deposited) include monthly, quarterly, semiannually and annually. Income payments received may be based on the amount you contribute, your age, gender and/or other
factors. Once established, your income is steady and taxed only as you receive payments. Because a portion of your payment is considered a return of principal, only earnings are taxed on nonqualified contracts. Income Options: 1. Lifetime Income – Choose to receive payments for the rest of your life with no refund or with an optional cash or installment refund. A refund option guarantees that every dollar of net premium paid into your annuity will be paid to you or your beneficiary. 2. Period Certain – Choose any period from five to 60 years to receive your payments, subject to availability and issue age. If you pass away during the period, your beneficiary(ies) will receive the payments during the remaining years of the selected period. I was hesitant at first to buy an annuity on the internet. Once I got your quote report and read your reviews I was happy I found your website. Your phone reps were always very helpful. You made the whole thing go really simple. Thank you guys! 3. Life with Period Certain – This income option will guarantee lifetime payments to you for as long as you live. If you pass away before the end of the period selected, your beneficiary(ies) will receive payments for the remainder of the period certain. If the joint option is elected, you can choose to have the survivor receive the same amount, two-thirds or half of the original payment. Fees:
A one-time fee of $250 is collected on a minimal initial premium payment of $5,000 on qualified and nonqualified plans.1 However, this fee is waived on premiums of $15,000 or more. State premium taxes will be deducted where applicable.
Meeting Your Income Needs Protection Against Inflation
Traditional immediate annuity payments stay level for the duration of the chosen term. Although level payments may provide for a higher initial payment, they are not designed to keep pace with inflation. The Income Escalator option guarantees that the immediate annuity payments you receive will increase by 3% every year. This protection is designed to help keep pace with inflation’s historical average.
The Income Escalator is available with the Life Annuity with No Refund, Period Certain Annuity and Life Annuity with Period Certain income options. In contrast to the more typical equal payments provided under these income options, the Income Escalator allows you to choose to receive lower initial income payments that increase annually for a number of years and eventually become higher than the level income payments in later years. As a result, depending on how long you live, you may receive less money by choosing the Income Escalator.
Getting Started With An Immediate Annuity
Together with your representative, you can use this guide to determine if there’s a gap between your income needs and the sources of guaranteed income you could use to fund those needs.
Once you’ve determined if you have a gap, you and your representative can discuss if covering all or a part of that gap with income payments from an immediate annuity is right for you.
When planning for retirement, think of your income needs as part of a pyramid. Your necessary, daily expenses make up the base of the pyramid. You’ll want to start with these expenses before potentially including expenses in the next levels of discretionary or even extra income.
XADV14238 03/15


Examine whether contaminants in your water supply met two standards: the legal limits established by the Safe Drinking Water Act, and the typically stricter health guidelines. The data was collected by an advocacy organization, the Environmental Working Group, who shared it with The Times.
Cochise College Park Water Assoc Chart Key 1 or more tests taken in the month 1 or more positive detections 1 or more tests above health limit 1 or more tests above legal limit
Douglas,
Arizona. Serves 60 people.
Units: ppb: parts per billion, pCi/L: picocuries per liter, ppm: parts per million, mrem/yr: millirems per year, MFL: million fibers per litre
3 contaminants tested for but not found
Nitrate, Nitrate & nitrite, Nitrite


The UCLA International Institute published on 1 October 2015 a study titled "Entrepreneurship and Interracial Dynamics: A Case Study of Self-Employed Africans and Chinese in Guangzhou, China" by Min Zhou, Tao Xu, and Shabnam Shenasi.
The study examines how interacting social forces shape interracial relations and mobility pathways for migrant entrepreneurs in Guangzhou. It suggests that interactions between African and Chinese entrepreneurs are economically interdependent and socio-culturally contentious processes, shaping a myriad of intersecting identities and creating room for cooperation that transcends race, class, and migrant status.


Nutritional Concerns in Recreation, Exercise, and Sport By Judy A. Driskell, Ira Wolinsky Number Of Pages: 368 Publication Date: 2009-06-23 ISBN-10: 1420068156 ISBN-13: 9781420068153
Athletes, coaches, and recreationalists are continually seeking ways to maximize their competitive efforts in both exercise and sport, and from 5K runners to Olympians, most athletes recognize that good nutrition is as crucial to success as ongoing practice and regular exercise. Written and edited by top-notch nutrition and exercise authorities, Nutritional Concerns in Recreation, Exercise, and Sport comprehensively covers the major nutritional concerns related to physical activity and the serious recreationalist and athlete, focusing on core questions in the growing field of sports nutrition.
This valuable resource discusses the central roles macronutrients (carbohydrates, fats, proteins, and water) and micronutrients (vitamins and minerals) play in healthy nutrition. It includes practical considerations related to hydration, body weight, and the use of nutritional supplements as ergogenic aids. It also discusses the various athletic concerns athletes will likely face during different life stages, such as the young athlete, the pregnant athlete, and the aging athlete.
Filled with Practical, Attainable Recommendations
Concise and extensively referenced, Nutritional Concerns in Recreation, Exercise, and Sport provides the knowledge base athletes need to make well-informed dietary decisions, optimize overall health, and achieve personal performance success.


Custodian(redirected from custodianships)
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Custodian Custodian custodian Custodian.
A custodian is legally responsible for ensuring that an item or person is safe and secure. In investment terms, a custodian is the financial services company that maintains electronic records of financial assets or has physical possession of specific securities.
The custodian's client may be another institution, such as a mutual fund, a corporation, or an individual. For example, with an individual retirement account (IRA), the custodian is the bank, brokerage firm, or other financial services company that holds your account.
Similarly, the Depository Trust Company, a subsidiary of the Depository Trust and Clearing Corporation (DTCC), is the custodian of millions of stock certificates held in its vaults.


I don't know how to sew on a button. I don't know how to grow a plant from a cutting, I don't know how to fold a fitted sheet, and I don't know how to cook a roast. Well, maybe I should rephrase that. I don't know how to do those things by heart, but I know how to learn them. YouTube, of course.
New research shows that Gen Y women are losing their female skills
. That sounds like we're losing our ability to bear children, and it's offensive. But what I think they mean is that we don't have the same set of household skills that our mothers and grandmothers had. There, isn't that a better way of explaining it?
And while I totally agree, I don't think it's necessarily a 'loss.'
My grandmother, Virginia, was an amazing woman. She was a dressmaker, a chef, and a florist. She smocked our blouses, cooked our holiday dinners, and I'll be darned if she wasn't the flower arranger on the East Coast. I would love to have all her skills, but
I don't have the time like she did. I suppose I could make the time to learn those skills, I just choose to make the time to learn others.
Like HTML, accounting, and drinking games. Joke. But seriously, with financial independence and a ball in the air in almost every one of life's categories, I choose to take my zipper repairs to the dry cleaner. I choose to have my laundry folded for me, and I choose to make a cake from a box.
And if I find myself with some time, I'll watch a how-to video on the Internet. As male and female roles become more blended in the household, I think we Gen Y'ers will be just fine.
Are you lacking 'female skills,' and do you care? Photo via Cushing Memorial Library and Archives, Texas A&M/Flickr


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Impact Study for Direction-Finding
Antenna Count Reduction, 16-9226
Principal Investigator
Jackie E. Hipp
Inclusive Dates: 11/01/00 - 03/01/01
Background - The next generation of shipboard
signal exploitation system for the U.S. Navy will incorporate super-resolution
direction-finding (DF) algorithms such as MUSIC, a radio direction-finding
algorithm that requires a separate receiver and signal processor for each
antenna response in the DF system. Because each wideband receiver and associated
processor is a significant cost driver, competitive pressures will demand that
the number of antenna outputs be minimized without significant loss of
performance. SwRI's AS145 antenna has been cost effective because 1) the
AS145 antenna design is less expensive to manufacture and to install than the
antennas supplied by SwRI's previous competitor, and 2) a sequenced
receiver system has been exploited, requiring only two channels of receivers and
associated processors regardless of the number of antenna responses. However,
sequenced receivers do not support the MUSIC DF algorithm, so that total cost of
all the expensive wideband receivers and associated processors will depend
directly on the number of antenna responses being used.
Tradeoffs between DF system performance and number of
contributing antennas have been well established for textbook scenarios
describing arrays of identical antennas laid out on uniformly spaced grids
without interactions from scattering surfaces (such as ship superstructures). In
contrast to the textbook scenarios, the constraints of the shipboard
installation result in a group of antennas having highly distorted patterns that
differ significantly from one location to another within a highly irregular
array geometry. The highly complex responses associated with the shipboard
installation scenario do not lend themselves to straightforward theoretical
trend analyses and must be empirically evaluated and summarized.
Approach - During this internal research
project, a processing approach was developed and exercised to examine the impact
of array decimation on high-frequency DF performance. This approach used
calibration responses measured from the original, complete array to create the
array manifold that would actually be measured for any selected subset of
elements within the array. This sequence of analysis produced 1) a statistical
characterization of DF performance specific to the particular ship being
analyzed, and 2) identification of the best- and worst-performing subarrays for
a specific value of antenna count.
Accomplishments - This analysis capability
provides a first-time statistical summary of DF performance as a function of
antenna count and signal-to-noise ratio for DF arrays installed in cluttered
sites. More importantly, it shows the range of performance available from
specific antenna counts and identifies which subarrays yield the best DF
performance and which subarrays yield the worst DF performance, all on a
band-by-band basis. Such information provides critical guidance in selecting
subarrays for operation under constraints of limited receiver channels.
2001 IR&D
Home SwRI
Home


While it's possible to connect with educators around the world, language barriers can often get in the way of effectively communicating ideas.
This past summer, I had the amazing opportunity to meet likeminded teachers from across North America at the Apple Distinguished Educator Institute in Austin, Texas. English, Spanish and French were spoken by the more than 200 tech-savvy attendees.
In the midst of expanding my professional learning network and making new friends, Suzanne Rubinstein and I quickly realized that we both had something in common. Each of us shared a passion for writing about educational technology on blogs that provide tips for educators using mobile devices in their classrooms. Suzanne, who is from Mexico City, asked if I would be interested in having a few posts from my blog featured on hers -- posts that she would translate into Spanish for her audience. It was immediately clear that this would be a fantastic way to reach a wider range of educators by offering a select number of posts in both English and Spanish.
Suzanne is taking the initiative to choose posts from my blog that she thinks will benefit teachers in Mexico. After she translates a post to Spanish, I put a link on my site so that readers know it's available in both languages. Additionally, we've added badges to our blogs that say
Looking for EdTech content in Spanish? and ¿Buscas información de tecnología en educación en Inglés? to direct readers to each other's site.
We've been able to share apps that are available in both the U.S. and Mexican iTunes Stores, and that can be tailored to meet the needs of students speaking either Spanish or English. For example, we've shown how to create QR codes for using with students, how digital storytelling can be used in the classroom, and how BrainPop Español is a great tool to support English-language learners in the United States or students in Mexico.
Conferences are great places to meet educators with similar passions. Often the combination of a teacher's workload and endless to-do lists makes it hard to put ideas into action. I'm so excited to be collaborating with another educator who shares my passion for sharing education technology. With a handful of blog posts already available in both English and Spanish, I can't wait to see what we can accomplish this school year and how many educators we can reach in spite of the language barrier.
How have you connected with educators across the world?


Abstract
El Niño conditions are currently present in the Pacific and are forecast to develop into a strong event peaking later this year. Events such as this are a significant perturbation, or ‘kick’, to the climate system and can affect weather patterns globally. This report analyses El Niño events over the last 35 years and aims to identify regions where there is an increased likelihood of an impact occurring. This analysis is based on past analogous events and is not a prediction for this year.
After the brief introduction, Section 2 describes El Niño and discusses what is expected during 2015-16, providing a summary of current forecasts. Section 3 provides a summary of the historical global impacts of El Niño, scenarios for types of El Niño and looks at global changes in probability of extremes. Section 4 considers impacts by region and country: Southern Africa, West Africa, east Africa, Central Africa, Middle East and Northern Africa (MENA), Indonesia, Southern Asia, Southeast Asian Peninsula, Caribbean, and British Overseas Territories.
This report has been produced by University of Reading and National Centre for Atmospheric Science for Evidence on Demand with the assistance of the UK Department for International Development (DFID) contracted through the Climate, Environment, Infrastructure and Livelihoods Professional Evidence and Applied Knowledge Services (CEIL PEAKS) programme, jointly managed by DAI (which incorporates HTSPE Limited) and IMC Worldwide Limited.
Citation
Hirons, L.; Klingaman, N. El Niño 2015/2016: Impact Analysis of Past El Niños. Evidence on Demand, UK (2015) ii + 17 pp. [DOI: 10.12774/eod_cr.august2015.hironsletal]
Links


BACKGROUND:
Because an estimated 50% to 80% of the skin's lifetime sun damage is thought to occur in childhood and adolescence, it is during these critical periods that intense, intermittent sun exposure causing burning increases melanoma risk.
METHODS:
A 1997 telephone survey of 503 households evaluated parental attitudes about their child having a tan, and ease of practicing sun protection, sun protection methods used, and sunburning on 5 successive summer weekends.
RESULTS:
In a random sample of 1 child from each household, 13% of children sunburned during the past week or weekend, and 9% of their parents experienced a sunburn during the past weekend. Children's sunburn was significantly associated with sunburn in the adult respondent, increasing age of the child, having fair skin, being white, and using sunscreens. Duration and peak hours of sun exposure were associated for children and parents. Sunscreen with a sun protection factor of at least 15 was the predominant form of sun protection used. Sunscreen use in children was significantly associated with longer duration of sun exposure, sunny weather conditions, younger age, fair skin, a history of sunburns before this study, a family history of skin cancer, and a higher family income. Feeling that a tan appeared healthy was associated with male gender of the adult and increasing age of the child. Complimenting the child on the appearance of a tan was associated with male gender of the adult, older children, children with skin type reported as olive or dark, and lower educational levels.
CONCLUSION:
Although there has been a promising initial effort to alert parents to the need to protect their children from sunburns, many view a tan as healthy and do not effectively implement sun protection behaviors for their children, which results in sunburns. Sun protection that prevents sunburning could be achieved by more children seeking shade, wearing protective clothing, limiting exposure during peak hours, and effectively using sunscreen.


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Possible symptoms of cancer of the hip include hip pain, hip fractures and hip inflammation, notes Healthgrades. Hip cancer also commonly causes fatigue, nausea, bleeding and bruising vulnerability, unreasonable loss of weight, and night sweats. Additionally, hip cancer may result in life-threatening symptoms including chest pain, seizure and tachycardia.
Hip cancer attacks hip bones and can start in the hip bone or other body parts, such as the bone marrow and cartilage, and move to the hip, according to Healthgrades. It is of various types, including multiple myeloma, leukemia, soft tissue sarcomas, chondrosarcoma and osteosarcoma. If not treated, hip cancer may result in complications such as anemia, broken hip, elevated blood calcium and kidney failure. The nature of the complication depends on the cancer's underlying condition.
The exact cause of hip cancer is unclear; however, certain factors such as smoking, a weakened immune system resulting from certain conditions including HIV/AIDS and organ transplant, and radiation exposure may predispose an individual to hip cancer, states Healthgrades. To treat hip cancer, doctors recommend a suitable treatment option depending on the type of hip cancer a patient suffers from. Such options include chemotherapy, radiation therapy, targeted therapy, surgery and biological therapy. Additional therapies include vaccines, painkillers, antibiotics and blood transfusion.Learn more about Pain & Symptoms