Saturday, March 31, 2012

MAGAS MAKES THE WALL STREET JOURNAL! | Steve Magas ...

I wrote an essay a few years ago called ?The BLS - Boring Legal Sh?.er? Stuff ? For Cyclists,? in which I described how your homeowner?s insurance, auto coverage, health insurance and more intersect when you are whacked by a car. ?I also suggested that cyclists need to make sure their Estate Planning was in order by updating their will and having Powers of Attorney in place for financial and health care matters. ?Fast forward a few years and this piece was mentioned on a hotsy-totsy financial planning website. A writer from The Wall Street Journal saw it -and suddenly I?m on the phone with Arden Dale, a regular WSJ contributor! ?On March 13, 2012 Ms. Dale?s Wall Street Journal story about Estate Planning for Sports Enthusiasts hits the web, and there, in a 43 word paragraph, Ms. Dale describes our 30 minute conversation for all WSJ readers to take in.

Ms. Dale wrote: ?? Pushing the envelope also makes it smart to take a close look at insurance. Most cyclists don?t understand that auto, homeowners? and umbrella policies may help if a car hits them, says Steven M. Magas, a Cincinnati lawyer who works with avid cyclists?.?

The BLS article has been a popular one. ?I wrote it for local publication but it was picked up by Adventure Cycling for inclusion in their national Cyclist?s Yellow Pages. ?You can still read it here.

In short, the article recommends that cyclists need to get their act together? Cyclists should have insurance to cover them if something should happen while they are on the road. ?Cyclists should NOT expect that ?the other guy? is going to have insurance, or enough insurance to cover their claim. ?Cyclists should maintain adequate auto coverage, with sufficient ?UM/UIM? limits [Uninsured/Underinsured Motorists Coverage] to protect themselves in case the other guys does NOT have adequate coverage.

MED PAY ISSUES

Also, check out your auto policy?s ?Med Pay? limits. ??Med Pay? is short of ?Medical Payments?- called ?PIP? ?coverage in no-fault states ? and is another important coverage. ?Med Pay acts like a mini health insurance policy if you are whacked by a car. ?However, you should ALWAYS use your health insurance first. ?Today, when you get to the E/R after a crash, the Billing Department will ask immediately for your AUTO policy info. ?Seems like an odd request ?- why do they need that info?

Well, your health insurer has negotiated a deal with the E/R. ?The $1500.00 E/R bill may only result in a $900 payment from your health insurer. ?If the E/R Billing Department can get that bill to you AUTO carrier the auto carrier will pay 100% of it, or $1500.00, without any markdown or negotiated lower rate. ?E/R?s, doctors and those who regularly find themselves dealing with crash victims are slowly learning to get the bill paid by the Auto carrier, not the health insurance carrier.

YOU, however, should not let this happen. You should make sure your bills are paid by your health insurer. ?You should remain in control of that ?Med Pay? money ? you may need it to pay ?co-pays? or the 20% you owe under an ?80/20? health insurance policy. ?The E/R?s and other care providers will fight you on this ? they want $1500, not $900 ? but you have the right to have your bills paid the was YOU want them, and to have all the bills submitted to your health insurer.

DON?T BUY NATIONWIDE AUTO INSURANCE

Another point on auto insurance and ?Med Pay? ? BEWARE OF NATIONWIDE INSURANCE. ?I usually don?t mention specific companies by name here ? but Nationwide bears special mention because of its position on ?Med Pay? claims that is VERY detrimental to all cyclists.

In every other ?bike case? ?I?ve ever handled with ANY other insurer, the Med Pay clause covers bicycle riders. ?Nationwide, however, says ?NO? to cyclists. ?Nationwide claims that its Med Pay coverage is limited to ?pedestrians? and that cyclists are not pedestrians. ?Therefore, Nationwide refuses to pay the medical bills of bicycle riders who are whacked by cars. ? ?No word on whether Nationwide would cover, skateboarders, rollerbladers, horseback riders, pogo stick users, kids on tricycles, babies in baby carriages or other ?non-pedestrians.?

I am currently litigating this with Nationwide, so I may have more to report down the road. ?There is a court of appeals decision in Ohio which indicates that, for insurance coverage purposes, the word ?pedestrian? means more than simply people walking around. ?For purposes of Uninsured/Underinsured Motorist coverage, the words ?pedestrian? includes a person on a bicycle, according to a 2004 case. ?Nationwide, apparently doesn?t feel this case is controlling?

WHAT?S THE DEAL WITH HOMEOWNER?S COVERAGE?

What happens if YOU goof ? you run a red light and hit a car. You clobber a pedestrian who has the right of way in a crosswalk. Now, someone wants to bring a claim against YOU for your careless riding. Who pays THAT claim?

Many cyclists are unaware that their HOMEOWNER?s policy will cover them in this situation. ?Just as you have coverage in case your neighbor slips and falls on your property, your H/O policy provides coverage for all types of ?negligence? ? including negligently riding a bicycle and causing property damage or injury. ?Again, check your policy limits to make sure you have enough coverage!

ARE YOU CARRYING AN UMBRELLA WHEN YOU RIDE?

An ?umbrella? is a special type of policy which covers over the top of your other insurance. ?Umbrellas, as you might have guessed, are only used on ?rainy days? ? OK, poor pun, but somewhat applicable. ?Your auto policy covers for virtually all claims that arise in your lifetime, but what if you are in a situation where you have a very big claim ? and all the usual coverages are used up? ?An umbrella kicks in only during that unique situation ? a once in a lifetime situation.

Umbrellas come in BIG coverages- usually a$1,000,000 or more. However, because they only come into play in very rare circumstances, the cost of such coverage is fairly low compared to other coverages. ?Many professionals use an umbrella to protect them in case of malpractice or claims of professional negligence, however, umbrellas can apply to your auto coverage too. ?If you do something stupid and cause someone else to have a million dollar claim against you, the umbrella kicks in. ?If someone else does something to cause YOU to have a million dollar claim? you also have source of funds to pay that claim.

Be careful here ? and talk very specifically with your insurance professional about your needs and your lifestyle. ?I had a case in which my client, a CPA, and her husband, also a CPA, had purchased an umbrella. ?She had a very bad crash caused by someone with very little insurance. They had a large UM/UIM policy, which we were able to get, and they also had an ?umbrella.? However, for whatever reason, their insurance agent talked them into signing a document that WAIVED umbrella coverage for AUTO claims!

That?s right? they did everything I recommended? bought a large UM/UIM policy, good Med Pay, and purchased an Umbrella policy ? except that they told the Umbrella insurance company that they didn?t want the umbrella to apply to auto crashes? they didn?t even realize what they were giving up when they signed this ?waiver? ? soooo?..they were stuck with a large claim that was not fully paid.

BOTTOM LINE[S]

Bottom line 1 ? THANK YOU WSJ for spelling my name right!

Bottom Line 2 ? Cyclists should NOT be buying Nationwide Insurance.

Bottom Line 3 ? TALK to your insurance agent about your H/O, Auto & Umbrella needs!

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Related posts:

  1. In Florida ? Judge Allows Punitive Damages in TEXTING Case
  2. ALL OHIO FATAL BIKE CRASHES TO BE REVIEWED
  3. FUNNY INSURANCE STUFF?? WHO KNEW?
  4. WHAT?S GOING ON IN GEAUGA COUNTY?
  5. How Many Cycling Deaths in Ohio in 2010?

Printed from: http://www.ohiobikelawyer.com/bike-law-101/2012/03/magas-makes-the-wall-street-journal/ .
? 2012.

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right think with rivka: Health and Fitness Is A Choice Just As ...

After 25 years of research studying the affects lifestyle and diet on the pH of the blood, I have learned that the human organism is alkaline by design and acidic in all of its functions. If one can maintain the delicate alkaline pH of all the body fluids bathing every cell from within and from without at 7.365 then life will continue without pain, suffering, sickness or disease.

Louis Pasteur?s germ theory has become a curse. Antoine BeChamp an adversary to Pasteur and his germ theory for scientific fraud said this about the germ theory, "there is nothing so false that does not contain some element of truth, and so it is with the germ theory." The germ theory is the controlling medical idea for the world. In Pasteur?s day, and ever since, othdr proposed theories about the cause of disease have fallen on death ear because they have tended to contradict that paradigm. NO matter how simple and logical an idea about the cause of disease, if it does not promote the concept of invasion of germs and their specific cures it does not fit into the medical paradigm.

More importantly, the germ theory has become a curse because it has encouraged individuals to give up responsibility for their own health over to the medical community. If germs cause disease it stands to reason that control belongs to the medical community whose tireless researchers spend trillions of our money to find the right pill or potion to annihilate disease-causing germs.

This quest to cure disease through medication is at the heart of modern allopathic medicine and the multi-trillion dollar pharmaceutical industry. It is a quest that persists despite evidence indicating that airborne germs do not cause the disease for which they are credited.

After more than a century of trying, the Pasteurian germ theory has utterly failed in the quest to a cure for any disease. All major degenerative diseases are on the increase, as are so called infectious diseases which are not infectious at all. Every year, old symptoms are given new names ? names like MS for polio, AIDS for poor sanitation, poor nutrition, poor lifestyle choices and drug use, Epstein-Barr virus for connective tissue disorders like fibramyalgia ? to make them appear to be the work of a new germ. Unless we turn this nonsense around, the human race could become extinct like the dinosaurs from the treatments of modern medicine to kill a non- threatening or phantom germ.

If we want to find the cure for disease we need only to look at our dietary and lifestyle choices. If you heed the ignored, even rejected discoveries of Pasteur?s peers and scientists of the 19th and 20th century, adding those to my own disboveries, you will learn the true cause of disease.

Until the medical community starts looking at causes rather than devoting its time looking for cures, and until we start taking responsibility for our own lifestyle and dietary choices, I believe the human race is in trouble of becoming extinct.

Dr. Benjamin Rush, Physician and signer of the Declaration of Independence, 1776 said this: "Unless we put medical freedom into the Constitution, the time will come when medicine will organize itself into an undercover dictatorship, To restrict the art of healing to one class of men and deny equal privileges to others will constitute the bastille of medical science. All such laws are un-American and despotic."

Where does life begin? In the womb or the grail, the holy grail, in the amniotic fluid, in a 98.6 F, one percent water and salt solution or 1 part salt to 100 parts water. This solution is called the sol. This natural salt solution, called "sol" is from the origin of the word, directly connected to the word "soul". What we call "sol" for our salt solution (a solution of two in one- no more polarity), was believed by the ancient Celtics to represent our soul, as the soul originated, in their belief, from the ocean where we are all born from the same fluids, arising from the same "sol" a solution of salt and water.

Our body in its wholeness is an ingenious creation of nature, It has been given all mechanisms to not only sustain its life but also to create new life. Every healthy person has innate regulatory mechanisms to maintain its alkaline design and self-healing powers, which ensure or reestablish the natural balance of the bodily functions, the homeostasis. It is not the doctor that heals us, nor the medication, but our own innate alkaline regulatory mechanisms. Our body is able to fully regenerate itself. Therefore, it is advised to use great discernment before labeling any disease as "incurable" or "untreatable." If doctors come to the conclusion that a disease in incurable, they would be more accurate in saying that with their knowledge and experience, they are not able to offer any further help. The word "incurable" conveys fear, or false evidence appearing real, which stifles and weakens our body?s innate alkaline mechanism.

Bio-chemically speaking Health is all about alkaline balance. Bio-energetically speaking Health is all about energy. Vibrating energy is the origin of matter and the origin of life. And matter is nothing more than organized energy.

In 1984, the Swiss physicist Dr. Carlos Rubbia, received the Nobel prize for discovering a mathematically calculable natural constant with which he could calculate the ratio of mass particles (matter) in relation to navigating energy particles, The ratio of matter to energy that forms matter is 1 to 9,746 to the power of 108 or about 1 to 1,000,000,000 which means it takes one billion energy units to create one single unit of matter in a materialized tangible form. Isn?t interesting that we for the most part, preoccupy ourselves with only 1 billionth part of reality: that which is in a material form and can be seen and touched. We fail to see the far greater amount of energy particles it took to materialize our reality. This revolutionary scientific discovery shows us clearly that every form of matter is subject to higher energetic interactions and subject to change of form and function.

When we analyze the energy content of any form of matter, we arrive at its smallest part, the atom and its protons, electrons and neutrons. There is ongoing movement without any contact- nothing tangible, just pure vibrating energy. This vibrating energy creates a frequency, which can be measured, a so-called wave length which can be seen using my photon interference photography. Every form of matter is characterized as a specific frequency spectrum. And each frequency spectrum can be measured using a decibel meter. All organized matter is nothing more than organized energy that gives off a specific frequency and a specific sound which can be measured and heard. When we turn on a light or an electrical device we can see the energy but we cannot perceive the electrical current itself, but we except its existence. This same materially non-perceivable electricity, this energy, flows through our body fluids especially our blood. Every one of us has enough measurable electrical current flowing through us to light up a 100 watt light bulb.

Life/light = energy and energy = information or intelligence. Everything that exists not only exists as energy but also as a carrier of information or intelligence, whether it is a human being, a form of food or drink, or a rock. Life is a constant exchange of energy and intelligence and the best place to view this life energy is in the live and dried blood.

Plasma which is 92% water is a good example for showing how matter as energy is transformed when additional energy is added or subtracted. Water has three different distinct bodies or states: solid, liquid and gaseous. Ice is frozen water or like the thickening of the blood. We can see it and feel its coolness. By adding energy in the form of heat to the ice it transforms back into a liquid. When we add more energy to the water it begins to boil and the molecules start moving faster and faster that they begin to transform into steam and become gaseous. This transformation of organized energy as matter from one form to another is know as biological or energetical transformation or also referred to as pleomorphism.

Energy and intelligence are identical.

Every form of energy has a specific wavelength

Every wavelength has its individual content of intelligence

There are no accidents in the order of Nature

Meanwhile, we know of about 40,000 different diseases and the list is growing that are treated by the 1,200 different allopathic specialty fields with 58,000 different kinds of allopathic preparations or medicines. However, the word diseases in the plural form, is not a accurate. Have you ever heard of "healths"? We are either healthy or ill. This illness signals a lack of energy and shows up in the form of a symptom. To represent a symptom as an illness is technically and scientifically inaccurate. The symptom is merely the intelligent cry of the energetically defective and suffering body, crying out for help. And normally, the body turns to a weakened organ to give us a hint, through a symptom, that things are not in order.

Our bodies either hum or honk Upset stomachs or high blood pressure or high blood sugars is the body honking. The honks of our bodies are telling us there is a state of pH or energetic imbalance.

Why does pH balance or pH Homeostasis define good health?

pH balance or pH homeostasis in humans commonly refers to the internal balance of the body?s electro-magnetic and chemical systems in response to the changing conditions of the external world and the changing conditions of the internal world. The word homeostasis comes from the Greek words: "homeo" means similar or "alki" or "alkaline" and "stasis" means a tendency toward maintaining stability. There are many homoeostatic mechanisms in our bodies that help maintain this balance and our state of health is directly related to the health of these mechanisms. pH homeostasis is maintained by dynamic processes of feedback and regulation. pH homeostasis has only one objective: to preserve the beneficial conditions of life in the internal alkali environment. Every day we are bombarded with external influences that threaten that balanced internal alkaline pH environment. Some of these threats include becoming too hot or too cold, eating too much or eating acidic foods or drinks, breathing polluted air and being exposed to chemicals over a period of time.

Our cells, especially the red blood cells can only survive when our bodies are strong enough to maintain pH homeostasis or to regain it quickly after we have been exposed to toxic environmental threats. Some of the pH homoeostatic mechanisms in the body include temperature regulation, dilation of the eye, blood composition, heart rate, blood pressure, water content, blood sugar level, mineral relationships, and of course the acid/alkaline balance of our body fluids. An essential feature of these mechanisms is that they enable the red blood cells, the tissue which is a product of the red blood cells and the whole of the organism, also a product of blood, to adapt to changes in both internal and external environmental conditions. If the pH homoeostatic mechanisms are impaired the body loses its ability to regulate these mechanisms. By looking at living blood using a compound microscope we can view the quality of the red blood cell, its environment and how well the body is managing these pH homoeostatic mechanisms. The interdependence and close coordination of the many bodily functions, which work so well when we are in alkaline balance or health, may be upset by a chain reaction when any part of the system breaks down from metabolic acids which have not been properly eliminated through, respiration, perspiration or urination. If this chain reaction is too drastic, the red blood cells and body cells will become acidic and begin to biologically transform into other cellular forms ? like bacteria or yeast.

The normal state of health is not a static condition, but a coordination response of many systems and mechanisms. Fluctuations occur within a very narrow pH range. An imbalance of a point or two on the acid/alkaline pH scale is extremely disruptive to health. A few percentiles of variation of oxygen concentration in the blood can impair function. In the bloodstream, the slightest changes can be observed in the structures of the red and white blood cells, the level of cellular debris, the creation of cholesterol or calcium crystals, etc. If the blood sugar content is continually elevated due to body cell transformation or breakdown, the body chemistry becomes upset. An infinitesimal deficiency of sodium, calcium, potassium or magnesium, the alkaline buffers of the body can cause a problem in the function of many body parts.

We must keep our pH homoeostatic mechanism strong so that we can deal effectively with our world. If we are humming and the process of pH homeostasis is orderly, life continues; if we are honking and m pH homeostasis is continually being disrupted, our health is in jeopardy.

pH Homeostasis is a bit like balancing the books in accounting. It si maintained by balancing inputs with outputs.

How well we adapt in health and sickness is largely a function of the pH homoeostatic mechanism. The body?s chemistry response to such subtle changes that a negative thought, an acidic food or drink, or eating too much food can be a problem for maintaining balance.

In 1988 an article of the New England Journal of Medicine stated that, "most major chronic disease probably results from the accumulation of environmental factors over time in genetically susceptible people."

In 1965, Rene Dubos, a medical historian and philosopher, pointed out that the body is imperfect in its attempts to adapt and maintain pH homeostasis. She said, "the mechanisms involved in regulating homeostasis don not always return the body?s functions to their original state. They can be misdirected. The body only has the ability to adapt to insults for so long. When it can no longer adapt , degeneration sets in. Health is the state that the body attains when an individual responds adaptively and restores the body to its original integrity."

The term "homeostasis" was coined in the mid-1920's by the American physiologist, Walter B. Cannon. But he was building on a concept of balance that dated back to ancient Western, Eastern, and Middle Eastern civilizations.

The balance equals good health equation was first suggested by Hippocrates (460-375 BC) and the ancient Greeks. Hippocrates considered health to be a state of harmonious balance and disease a state of disharmony. He and his contemporaries believed that harmony and balance existed between organs, between bodily fluids, and between body and soul. When the body is out of harmony and balance, illness occurs.

Hippocrates studied the entire patient in his or her environment, noting the effects of climate, food, and occupation on health. "Our natures are the physicians of our diseases, " he said, describing the healing forces we all have within us as the healing power of Nature. It was the physician?s objective to restore harmony with food, exercise, rest, and with medicinal remedies designed to remove the harmful acidic excesses. This conservative approach was designed to let nature do the healing and above all, as Hippocrates said, "to first do no harm."

The Greeks ideas on equilibrium and health evolved further under the philosopher Aristotle (384-322 BC). He felt that a healthy body worked through what he described as a hemostat, a device that returns the body to a state of equilibrium even when it is subjected to stimuli that disturbs this balance. Everything is tied to this state of equilibrium, including the psyche and emotions, and nothing could be regarded as a separate component. To lead a healthy life, the condition of balance had to be maintained, This could only be achieved if the body had an adequate feedback system, a means by which signals were transmitted to different parts of the body to help move it back into balance when it moved too far off alkaline center.

This psychological viewpoint was shared by another philosopher, Epicurus (341-270 BC). In his writing he referred to psychological stress and suggested that an individual?s quality of life could be improved by coping with what we would now describe as emotional stressors.

As early as about 120 AD in India, Eastern philosophers had reached similar ideas about the importance of balance in health. A general medical textbook from that time, the Caraks, described health as a balance of bodily elements know as dhatus, and a happy mental state called prasana.

The Middle Eastern approach incorporated the Hindu teachings with the Greco-Roman medical doctrine. Being base upon both religious and philosophical ideas, Islamic healing involved both body and soul.

Over 1000 years later, during the Middle Ages in Europe, good health was still linked to this notion of balanced physical, emotional, and spiritual state. To help people achieve this state, European hospitals were set up by religious orders and attached to abbeys, monasteries, and convents. Doctors prescribed diet, rest, sleep, exercise, and salt baths.

In 1600 Thomas Sydenham had begun classifying diseases, even though he believed disease was a result of imbalance, consistent with Hippocrates and Galen.

In 1628 Harvey traced the circulation of the blood, arguably perhaps the single greatest achievement in medicine.

In 1753 James Lind showed that Scurvy could be reversed with the limes that contain limonene - an antitoxic or antacid.

Doctors began to lose their way in 1796. In 1796 Benjamin Rush observed that all fevers were associated with flushed skin, he concluded that this was caused by distended capillaries and reasoned that the proximate cause of fever must be abnormal "convulsive action" in these vessels. He took this a step further and conclude that all fevers resulted from disturbances of capillaries and since the capillaries were part of the circulatory system, he concluded that a hypertension of the entire circulatory system was involved. Rush proposed to reduce this convulsive action by "depletion" or bleeding. A reminder that the medical establishment?s acceptance of bleeding exists today in the name of the

British Journal "The Lancet" one of the leading medical journals in the world. Today bleeding is called phlebotomy.

Also, In 1796 Edward Jenner took the pus from the runny sores of sick cows and injected it into the blood of his "patients. He thought that since pus is seen routinely in all kinds of wounds, pus was seen as a necessary part of healing.

In 1788 vaccinia was the bacteria that medical science suggested caused cowpox.

In 1830 the development of the first modern day achromatic microscope.

In 1835, Harvard?s Jacob Bigelow argued in a major address that in "the unbiased opinion of most medical men of sound judgement and long experience . . . the amount of death and disaster in the world would be less, if all disease were left to itself."

In 1840 Jacob Henle in his essay, "On Miasmata and Contagia" first formulated the modern germ theory. He suggested that disease seem to germinate, grow and spread ? like a first point or origin, a seed, a bacterium. The germ theory said that minute living organism invade the body, multiply and cause disease and that a specific germ causes a specific disease.

In 1850 Samule Thomson said, " May the time soon come when men and women will become their own priest, physicians and lawyers ? when self-government, equal rights and moral philosophy will take the place of all popular crafts of every description . . False theory and hypothesis constitute nearly the whole art of medicine."

In 1860 Louis Pasteur suggested that living organisms, not a chemical chain reaction caused fermentation, winning converts to the germ theory.

In 1881 an American scientist George Sternberg was the first to isolate the fungus, pneumococcus and the first to observe the white blood cells engulfing bacteria, a key to understanding the immune system.

In 1882 a German, Robert Koch isolated the tubercle bacillus and declared it as the bacterium that caused tuberculosis that further confirmed the germ theory of Pasteur.

In 1884, German scientist Friedrich Loeffler isolated the diphtheria bacillus from throats of patients, grew it on a special medium (labs today call this Loeffler?s serum slope to grow the bacteria from suspected cases), and began carful experiments in animals that took several years. His work suggested that the bacteria themselves did not kill; the danger came from a toxin, diptherium, an acidic poison that the bacteria excreted as a waste product from sugar metabolism.

In 1885 Max von Pettenkofer insisted that Koch?s bacteria were only one of many factors in the causation of disease. His dispute with Koch became increasingly bitter and passionate. Petterkofer determined to prove himself right, prepared test tubes thick with lethal cholera bacteria. Then he and several of his students drank them down. All survived. Petterkofer claimed victory that germs do not cause disease.

In 1889 Pasteur?s proteges, Emile Roux and Alexandre Yersin grew broth thick with diphtheria bacteria and used compressed air to force broth through a filter of unglazed porcelain. The filter was designed by Charles Chamber land, a physicist working with Pasteur; though only a tool, the filter itself would prove to be immensely important. NO bacteria or solids could pass through the porcelain. Only liquid could. They then sterilized this liquid. It still killed. That proved that bacteria, an insoluble could not kill, but a soluble, an acidic toxin did the KILLING.

The cure from diphtheria was not in killing the bacteria but neutralizing the acids or excretions from the bacteria.

In 1900 Frederick Gates and intellect and Baptist Minister and an assistant to John D. Rockefeller, saw an opportunity to exploit the medical field because of its admitted uncertainty and ignorance of the time. He had organized many business ventures for the Rockfellers? and convinced John D Rockefeller to open the Rockefeller Institute for Medical Research. The Rockefeller Institute saw medicine itself as its field from its earliest existence scientists studying disease based upon the germ theory of Pasteur.

In 1901, William Henry Welch was hired by John D. Rockefeller to set up the Rockefeller Institute for Medical Research. William Henry Welch was steeped in the germ theory and established its strong hold on the medical model. You might call Dr. Welch the Father of American Medicine and the perpetrator of the Pasteurian Germ Theory.

After the civil war medicine had discovered drugs ? such as quinine, digitalis and opium of which Oliver Wendell Homes the physician Father of the Supreme Court justice said, "I firmly believe that if the whole materia medica, as now used, could be sunk to the bottom fo the sea, it would be all the better for mankind ? and all the worse for the fishes."

In 1911, the head of the school training French army doctors in public health said that germs alone were "powerless to create an epidemic." But it was too late, this particular view was now considered simply a minority opinion. The germ theory now had its hold on the governments of the world!

In 1911, the medical establishments made up a story that Peyton Rous discovered a bacteria that caused cancer and received a Noble Prize for his discovery posthumous in 1966. This gave rise to the term virus named after Peyton Rous?s bacteria. Peyton Rous never suggested this in any of his research that his bacteria caused disease let alone cancer. This story gave rise to a new group of bacteria called filterable bacteria that the medical community now refers to as virus - beginning 1996. There is NO scientific evidence that shows that virus?s have ever caused ANY disease.

These ideas of balance were some distance from those of earlier societies that ascribed illness to the supernatural powers they believed governed their lives. The Babylonians, the Egyptians, the ancient Americans saw disease as an entity unto itself, a potent demon that struggled to dominate, attacked, penetrated, and possibly even killed its unfortunate host.

Offend the Gods, an ancestor, or an evil witch and be struck down as punishment. Lead a sinful life and you were tempting fate.

Of course, we perceive that these ideas about disease are no longer widely believed, which makes it all more the ironic that Pasteur?s germ theory has had and still has a stranglehold on 19th, 20th and now 21st century medicine. As medical writer Alberto Seguin described in an article entitled, "The Concept of Disease," the demonic idea of disdase reached its full height with the germ theory. It became possible to bring together rational and scientific thought with irrational tendency to personalize disease. The germ in what ever name it is called, West Nile Virus, Ebola, Hunta, HIV, Anthrax, SARS and now AVIAN, are the scientific demon, the curse, the lie and the fraud that is said to attack and kill!

If we will consider disease as a symptom of disease not the cause, then the germ is nothing more than an expression of imbalance and a biological transformation of what use to be organized to that which is changing into a new form. This was my discovery in 1994. I witnessed biological transformation as seen on pg. 126 of my book "Sick and Tired" the transformation of a rod bacteria back into a red blood cell and then back into a bacterial rod. I knew for the first time that bacteria was not a demon, not an entity but a transformation, a new formation of a preceding form. Not the cause of disease but the expression of a change in the internal environment which had given rise to change. For several years I felt alone in this discovery until I learned of the works of the giants that proceeded me that had their finger on the magic of life.

Claude Bernard (1813-1878) "The terrain is everything the germ is nothing." And upon the death bed of Louis Pasteur admitting to Claude Bernard that he was right in 1895.

Antoine BeChamp (1816-1908) "Disease is born in us and from us."

Florence Nightingale - ` famous nurse (1820 -1910)

Mathias Schleiden and Theodor Schwann (1839)

Gunther Enderlein ((1872- 1968)

Walter B. Cannon (1871-1945) "Only by understanding the wisdom of the body shall we attain the mastery of disease and pain that will enable us to relieve the burden of the people."

Royal Raymond Rife (1888-1971)

Wilhelm Reich (1897 - 1957)

Gaston Naessans (1924-2005)

Philosophically speaking, Pasteur had an ally in Napoleon III, who came to power in 1852. The Emperor believed in a police state and in using complete control to rule. Pasteur?s mechanistic idea of disease, finding the right cure for each germ, fit into this philosophy of control.

Giving the responsibility to the any government to cure disease is giving up control. It takes responsibility ? and power ? away from the individual. In the words of Antoine BeChamp, "there is nothing so false that does not contain some element of truth and so it is with the germ theory."

One of six of us will become diabetic

One of three of us will develop cancer

One of two of us will develop cardiovascular disease

One of six couples will suffer from unexplained infertility.

One of seven women in the US will develop breast cancer.

We need to get out to the disease business. If we want to understand health, energy and vitality then we need to study the people who are healthy. Over the last 25 years I have been studying health and how it relates to the blood. Viewing live and dried blood is the pinnacle of understanding health and how to achieve health with alkaline foods, drinks, exercise, breathing, getting adequate rest, etc.

Now, I pray and hope that you will realize that we are all responsible for our own health ? you alone. A medical practitioner can only help to relieve symptoms. Ultimately, you are the one who has to take charge. Health is a choice just as disease is a choice. You are responsible for what goes into your mouth and what comes out of your mouth, as well as for what you think, feel and do. Health is all about choices and consequences.

The health and energy of the human organism is the knowledge that are bodies are alkaline by design and acidic by function and the best way to maintain that alkaline design is through an alkaline lifestyle and diet.

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Headstone of Hitlers' parents' grave removed

FILE - This undated file photo shows the grave of Alois and Klara Hitler, the parents of German Nazi Dictator Adolf Hitler, in Leonding near Linz, Austria. Leonding Mayor Walter Brunner says Friday, March 30, 2012, that the tombstone marking the grave will be removed. Brunner says the decision was made by a relative of the family who says she does not want the grave to continue serving as a neo-Nazi pilgrimage site. (AP Photo, File) BLACK & WHITE ONLY

FILE - This undated file photo shows the grave of Alois and Klara Hitler, the parents of German Nazi Dictator Adolf Hitler, in Leonding near Linz, Austria. Leonding Mayor Walter Brunner says Friday, March 30, 2012, that the tombstone marking the grave will be removed. Brunner says the decision was made by a relative of the family who says she does not want the grave to continue serving as a neo-Nazi pilgrimage site. (AP Photo, File) BLACK & WHITE ONLY

(AP) ? The tombstone marking the grave of Adolf Hitler's parents, a place of pilgrimage for neo-Nazis, has been removed from an upper Austrian village cemetery at the request of a descendant, and the grave is ready for a new burial, officials said Friday.

Walter Brunner, mayor of Leonding village, said the stone with the faded black and white portrait photos of Alois and Klara Hitler was taken down Wednesday. Village priest Kurt Pitterschatscher said the rented grave was available for a new lease.

Austrian graves are usually leased for periods of 10 years. The lease is renewable and can be willed to friends or relatives.

Asked whether he would have trouble persuading people to let their loved ones share a grave with the parents of a man whose name is a universal epitome of evil, Pitterschatscher said, "I really haven't thought about it."

Pitterschatscher said the stone and black marble marker, topped by a granite cross, was removed without ceremony by a stonemason hired by the relative, described as an elderly female descendant of Alois Hitler's first wife, Anna. What's left at the site is a white gravel square and a tree.

He said he did not know the woman personally and did not identify her by name but cited her request for termination of the grave lease as saying she was too old to care for it and tired of it "being used for manifestations of sympathy" for Hitler.

Hitler's roots are in Braunau, near Leonding, which is commonly identified as his hometown after the village that he was born in was incorporated into Braunau in 1938. But he and his family moved to Leonding in 1898 when he was 9 and lived there until Hitler was age 15.

Leonding itself first assumed cult status for his followers after Hitler visited his parents' grave and the nearby family house following the 1938 annexation of Austria by Nazi Germany.

The family's Leonding house now warehouses coffins for the cemetery, and Brunner said in a telephone interview that ? unlike the more than 100-year-old grave ? it did not draw Hitler fans.

Anti-extremist groups say neo-Nazis, sometimes coming in groups, placed flowers and Nazi symbols on the grave.

Robert Eiter, with the Upper Austrian Network Against Racism and Right-Extremism, said the latest incident was on All Saints day, Nov. 1, when an urn was left with the inscription "UnvergeSSlich" ? German for "unforgettable" and alluding to Hitler's SS shock troops.

"A lot of flowers and wreaths were deposited there from people who clearly were admirers," he said. "It had to do with the son and not the parents."

Brunner, the mayor, said he was "happy with the decision," to remove the tombstone and Eiter said most Leonding residents also supported it.

Hitler himself committed suicide in his Berlin bunker in 1945. Attempts to burn his body were only partially successful, and his remains were recovered by the Soviets. The find was kept secret, allowing Stalin to perpetuate a Cold War myth that Hitler survived and was hidden in the West.

After decades of uncertainty and disinformation, the demise of the Soviet Union has allowed researchers to establish what they believe is the truth about what happened to the body.

Hitler's jaws and skull were later rediscovered in secret archives in Moscow and went on display in Russia's Federal Archives Service in 2000. The rest of him turned out to have been buried beneath a Soviet army parade ground in the former East German city of Magdeburg.

His remains were exhumed in the 1970s and incinerated. The ashes were flushed into the city's sewage system.

Austria has moved from its postwar portrayal of being Nazi Germany's first victim to acknowledging that it was Hitler's willing partner. Most young Austrians reject Nazi ideology and condemn the part their parents might have played in the Holocaust.

At the same time, the rightist-populist Freedom Party ? whose supporters range from those disillusioned with more traditional parties to Islamophobes and Holocaust-deniers ? has become Austria's second-strongest political force.

An Anti-Defamation League survey taken this year and published last week said that ? while remaining high ? anti-Semitic attitudes decreased from 30 percent to 28 percent in Austria compared to 2009.

___

Associated Press writer Geir Moulson contributed from Berlin.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2012-03-30-Austria-Hitler%20Grave/id-7efa1e21e8bd4b7eae45ffc694037d71

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Friday, March 30, 2012

Tichina Arnold: Everyone deserves two marriages | All Kenya News

[unable to retrieve full-text content]She even revealed some juicy wedding details. Here's what she had to say about relationships, marriage and her upcoming wedding: ESSENCE: What have you learned from past relationships that has prepared you for the ...

Source: http://www.allkenyanews.com/2012/03/tichina-arnold-everyone-deserves-two-marriages/

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Dell Gives Up On Selling Smartphones In The U.S. (For Now, Anyway)

dellgraveI?d wager that only a few of you will remember that Dell sold their own smartphones, and still fewer of you have ever actually owned one. It should come as no surprise then that Dell, who entered the smartphone market less than two years ago, has announced that they have ceased sales of their last remaining smartphone lines: the Android-powered Venue and the Venue Pro Windows Phone. With those product lines getting the axe, Dell has (for now) put an end to their struggling smartphone business here in the States.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/4NCoMJGfYLk/

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Thursday, March 29, 2012

Perfect Accounting & Tax Services assist Businesses with payroll

Toronto, ON Canada -- Business owners who are looking for accounting firms in Toronto to assist with payroll, bookkeeping and other financial concerns are welcome to contact Perfect Accounting & Tax Services for a consultation appointment. Perfect Accounting & Tax Services handles accounting, bookkeeping and other general business financial concerns.

Perfect Accounting & Tax Services (perfectaccounting.ca) provides business owners with an accountant who understands their business and wants to contribute towards its success. During each client's first meeting, the accountant will ask about the future growth plans of the business to ensure that Perfect Accounting & Tax Services is offering the right mixture of advice and practical services.

Perfect Accounting & Tax Services caters to the self-employed, home-based business workers and small business owners. These are types of businesses that tend to get overlooked by larger accounting firms. The company also assists religious organizations and non-profits with setting up a tax-exempt status.

Some of the specific services that are offered by Perfect Accounting & Tax Services include business tax returns, payroll processing, year-end services and financial accounting, computerized bookkeeping, business registration and incorporation, business financial planning and personal tax service.

Potential clients may contact the company via telephone or a request form on the company's website: perfectaccounting.ca .

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Banking / Financial ServicesCommercial ServicesPersonal ServicesWebWire

Source: http://www.icanadianpress.com/2012/03/28/perfect-accounting-tax-services-assist-businesses-with-payroll-bookkeeping-and-other-financial-concerns/

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Wednesday, March 28, 2012

Moosejaw's New CEO Talks Retail Future | Skiing Business

Moosejaw, known by most as an online outdoor retailer, recently named Eoin Comerford as it?s new president and chief executive officer. Coming from his role as the company?s marketing and technology senior vice president, it?s no surprise he?ll continue to push the retailer to be at the forefront of technology.

Besides opening new brick-and-mortar stores around the country, Moosejaw is rolling out a mobile POS system that enables its floor employees to make sales without customers going to a desk full of cash registers.

Skiing Business caught up with Comerford to find out more about his technology goals, brick-and-mortar strategy and his vision for the future.

Eoin Comerford, Moosejaw president and CEO

Eoin Comerford, Moosejaw president and CEO

Where do you plan on taking the company now that you?re in control of its wheel?
To a degree it?ll be much of the same. I was second in command before and pretty much ran the e-commerce side of the business-which is the largest part. Certainly my passion is around the brands and consumers we work with as well as expanding Moosejaw?s presence.

But I?m also a techie guy, so this stuff around the mobile site, mobile POS and social media will continue to get a ton of attention and we?ll continue to be a leader in that space.

It really comes down to being the most fun outdoor retailer on the planet. I really believe that and want to bring that to people. We want them to visit our brick-and-mortar stores even when they don?t want to buy anything. It?s not just a job for me. It?s a passion.

You guys have been putting more emphasis on brick-and-mortar stores. How many do you have, and what?s your strategy there?
We?ll be opening our 9th store in May (in Boulder, Colo.). We opened our 8th store earlier this month near Boston, and then we?ll open our 10th in Kansas City in September. We want to be in key markets where we can have a bigger presence, and build a physical presence. We?ll first look at markets where we have a big online customer base, and when we are ready to launch in a specific market, we reach out to our customers there to see what activities they do, what they want to see in the store and even what they want to see for a grand opening.

We really want to expand our overall presence, and there are generally two ways to do that: with advertising and more stores. We don?t have a huge ad budget, and we?d rather expand our physical footprint. Still, brick-and-mortar is only about 20 percent of our business right now. It might get to about 30 percent, but not reach 50 percent anytime soon.

What markets are you looking to for future expansion?
I can?t tell you where we?re looking, but you can probably figure most of them out. We?re big into outerwear, so it doesn?t make sense for us to be in warm climates like Florida anytime soon. We?re looking at colder climates like the Northeast, Midwest and Northwest for sure.

Moosejaw mobile POS

Moosejaw mobile POS

The stores you?re opening are pretty high-tech. Talk about what you?re doing there and how it?s changing the face of retail.
It?s a new prototype for us. We?ve always been pretty leading edge on the website, but we?re taking it to a new level in the store, and it starts with the layout.

We think shopping in a store should be a good, fun experience. We?re hanging TVs in the store that stream customers? pictures and displaying social media posts. We have the dressing rooms in the middle of the store, so they are easier to access and people can try on clothes and show their friends. And we have our products displayed in strategic areas around the store that make sense to shoppers.

We?ve also done away with the standard cashiers desk that you see when you walk in, and replaced them with mobile POS systems that our employees carry. It?s basically an iPod Touch that?s cradled in a device that also has a barcode scanner and credit card swiper. A store these sizes, with our old POS system, would have required four POS units. Now, we have two units and three handheld POS units.

It saves money, but it?s more about allowing our employees to better engage customers. They can also check inventory on the spot, look up products that we only sell online, and be a better asset to our shoppers.

What?s the feedback been?
We?ve had great feedback from customers and employees. We set a goal to run 50 percent of our in-store orders through the mobile units, and it?s at about 36 percent and increasing as our employees become more comfortable with it. The customers love it too. It?s a talking point if nothing else.

My favorite story is of a woman who came into our Ann Arbor, Mich. Store looking at two pieces of clothing. She bought one via the mobile POS, but we later got a call that she wanted the other one. However, she said she had her kids with her and didn?t want to come into the store. She asked if we could get the item, bring it out to her car as she was parked out front, and do the transaction right there. We did.

Do you see that drive-thru approach gaining momentum?
We talked about doing it more as a stunt this past Christmas. But, because we had only debuted it a couple months before that at our Michigan stores, we weren?t ready to roll it out. Now that we have it up and running, we may do it for Christmas this year. It could be a great thing for those guys who forgot to get their significant other something and need to make a quick purchase and then get back to the house.

I don?t think you?ll get rid of cash registers though, because you still need them for cash transactions.

moosejawmarquee

What?s the investment?
It depends on what options you want. Square is a pretty affordable option that anyone can use with an iPad, iPhone or Android phone. There are other affordable options like that, which allow you to process credit cards, but they don?t link to your inventory system. It?s definitely becoming more mainstream.

For us, though, we integrated ours with our POS system and everything is tied together. But really, cost will depend on what type of program you use, how tied together you want your system to be and how many POS terminals you have.

You guys also have a full mobile e-com site. What advice do you have for other retailers thinking about taking that leap?
We had a mobile site back in 2006, but that was before smart phones were so popular. Then we created a smart phone mobile site, but we found out that it was hard integrating that with our regular website in terms of online shopping and inventory. So we created a site that?s flexible. It automatically knows if you?re on a mobile phone and it switches over to a different layout, but it?s essentially the same website that you?d pull up on your desk computer.

In terms of tips, the first and foremost piece of advice is to create a mobile site of some sort. You absolutely need to have a mobile option or you?ll lose customers. Mobile is only about 10 percent of our traffic, but you could potentially lose that 10 percent if you don?t have a site that works on mobile phones.

Sometimes people just want to check a product?s price, add something to a wish list or look up features. They don?t always want to buy, so if that?s what?s stopping a shop from having a mobile site, then don?t have the e-commerce feature.

Source: http://skiingbusiness.com/12690/profiles/moosejaws-new-ceo-talks-retail-future/

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Powerhouse in the Crab Nebula: MAGIC telescopes observe pulsar at highest energies yet and strongly challenge current theories

ScienceDaily (Mar. 28, 2012) ? The pulsar at the centre of the famous Crab Nebula is a veritable bundle of energy. This was now confirmed by the two MAGIC (Major Atmospheric Gamma-Ray Imaging Cherenkov) Telescopes on the Canary island of La Palma. They observed the pulsar in the area of very high energy gamma radiation from 25 up to 400 gigaelectronvolts (GeV), a region that was previously difficult to access with high energy instruments, and discovered that it actually emits pulses with the maximum energy of up to 400 GeV -- 50 to 100 times higher than theorists thought possible.

These latest observations are difficult for astrophysicists to explain. "There must be processes behind this that are as yet unknown," says Razmik Mirzoyan, project head at the Max Planck Institute of Physics.

The neutron star in the Crab Nebula is one of the best known pulsars. It rotates around its own axis 30 times every second and has a magnetic field of 100 million Tesla, over a trillion times stronger than that of Earth. The pulsar powers the surrounding famous Crab Nebula, located about 6000 light-years from Earth in the constellation of Taurus. Both the pulsar and the nebula are remnants of a supernova which exploded in July 1054 AD and was visible to the naked eye even by daylight for 23 days.

Neutron stars are extremely dense spheres made of nuclear material. Their mass is similar to that of the sun, but they have diameters of just 20 kilometres. But what makes a neutron star a pulsar, of which astrophysicists have detected some 2000 in our Milky Way galaxy? Neutron stars have an extremely regular and very short rotation period or "day," ranging from one millisecond to ten seconds. While rotating, the star constantly emits charged particles, mainly electrons and positrons (positively charged electrons) and electromagnetic radiation.

These particles move along magnetic field lines that rotate at the same speed as the neutron star itself, giving off beams almost everywhere in the electromagnetic spectrum, from radio wavelengths to gamma rays. If one of these beams crosses our line of sight, the star flashes up for a moment, just like the signal from a lighthouse.

A few years ago, the MAGIC telescopes detected gamma rays of energy ? 25 GeV from the Crab Pulsar. This was very unexpected since the available EGRET satellite data were showing that the spectrum ceases at much lower energies. However, at the very high energies MAGIC demonstrated to have few orders of magnitudes higher sensitivity compared to the satellite missions. At the time, scientists concluded that the radiation must have been produced at least 60 kilometres above the surface of the neutron star. This is because the high-energy gamma rays are so effectively shielded by the star's magnetic field that a source very close to the star could not be detected. As a consequence that measurement ruled out one of the main theories on high energy gamma-ray emission from the Crab pulsar.

Now the data measured by MAGIC over the course of the past two years show that the pulsed emissions by far exceed all expectations, reaching 400 GeV in extremely short pulses of about a millisecond duration.

The recent measurements by MAGIC, together with those of the orbiting Fermi satellite at much lower energies, provide an uninterrupted spectrum of the pulses from 0.1 GeV to 400 GeV. These clear observational results create major difficulties for most of the existing pulsar theories that predict significantly lower limits for highest energy emission.

A new theoretical model developed by MAGIC team associate Kouichi Hirotani of of the Academia Sinica, Institute of Astronomy and Astrophysics in Taiwan explains the phenomenon with a cascade-like process which produces secondary particles that are able to overcome the barrier of the pulsar's magnetosphere. Another possible explanation posed by Felix Aharonian of the Dublin Institute for Advanced Studies and other researchers links the puzzling emission to the similarly enigmatic physics of the pulsar wind -- a current of electrons, positrons and electromagnetic radiation which ultimately develops into the Crab Nebula.

However, even though the above models are able to provide explanations for the extremely high energy and the shortness of the pulses, further refinements are necessary for achieving a good agreement with observations. Astrophysicists hope that future observations will improve the statistical precision of the data and help solving the mystery. This could shed new light on pulsars and on the Crab Nebula itself, as one of the most studied objects in our Milky Way.

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The above story is reprinted from materials provided by Max Planck Institute for Physics, via AlphaGalileo.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.


Journal Reference:

  1. MAGIC Collaboration, J. Aleksic et al., R.K. Bock, D. Borla Tridon, E. Carmona, P. Colin, C. Fruck, D. H?fner, J. Hose, T. Jogler, H. Kellermann, J. Krause, E. Lorenz, D. Mazin, R. Mirzoyan, N. Nowak, R. Orito, D. Paneque, K. Saito, T.Y. Saito, T. Schweizer, M. Shayduk, B. Steinke, H. Takami, M. Teshima, R.M. Wagner. Phase-resolved energy spectra of the Crab pulsar in the range of 50-400GeV measured with the MAGIC telescopes. Astronomy & Astrophysics, 2012 (in press)

Note: If no author is given, the source is cited instead.

Disclaimer: Views expressed in this article do not necessarily reflect those of ScienceDaily or its staff.

Source: http://www.sciencedaily.com/releases/2012/03/120328090850.htm

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Sunday, March 25, 2012

How to Cook with Jicama | Jicama Nutrition and Recipes | Health ...

Sorry, Readability was unable to parse this page for content.

Source: http://healthandfitness.readblognews.com/?p=4231

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Tuesday, March 20, 2012

Business Funding Made Easy | B2B Inbound Marketing and Sales

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mervinlevanscoach.info Mervin Evans the General Partner of Evans Venture Partners is the author of the New York Venture Capital Directory ! Venture Capital Made Easy! Reg D Made Easy: How to Find Private Investors! As a Management Consultants and Private Investment partnership and Capital Formation Intermediary, Evans Venture Partners Coaches Investment Capital Seekers looking for Venture Capital and Business Funding for their private companies.
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Monday, March 19, 2012

Foreclosures 'stacked' against borrowers - Lansner on Real Estate ...

California Attorney General Kamala Harris recently unveiled a legislative package aimed at ending mistreatment of homeowners and tenants caught in the cross hairs of the foreclosure crisis. The plan includes measures to guarantee of a single point of contact for questions to their lenders about their mortgage, the restriction of ?dual-track? foreclosures, and an increase in penalties for ?robo-signing.?

Special Assistant Attorney General Brian Nelson answered questions about Harris? proposed ?Homeowners Bill of Rights.?

Us: What prompted this proposal?

ARCHIVE

Brian: This effort was inspired by Attorney General Harris? travels up and down the state listening to the stories of homeowners. From Boyle Heights to Stockton, from San Bernardino to Sacramento, homeowners spoke of wanting to pay to stay in their homes, to find a solution that worked for their family, their lender, and their community. The homeowners spoke of a process that seems stacked against them.

Harris discusses Homeowner Bill of Rights/Jeff Collins, The Register

The California Homeowner Bill of Rights will build upon the reforms won from the nation?s five largest banks as part of a multi-state mortgage agreement that included a commitment of up to $18 billion to homeowners in our state.

The legislation will make those interim reforms permanent and available to all California homeowners.

Us: What?s the ?dual track??

Brian: The stories of ?dual-track? foreclosures are frustrating, and common among struggling homeowners. Too many homeowners report being in talks to modify their mortgages and save their homes ? only to hear that their home has been foreclosed and they must leave.

The dual-track process often begins when a homeowner contacts their lender to discuss a loan modification. Frequently they are told that the bank will not discuss this kind of solution until the homeowner is behind on payments.

Once homeowners enter default, the foreclosure process can begin, but ? whether the homeowner realizes it or not ? he or she is now on the ?dual track,? seeking a loan modification to save their home while at the same time heading toward foreclosure.

The California Homeowner Bill of Rights contains guarantees for homeowners that a transparent loan modification process be completed before foreclosure commences.

Us: What other abuses are there?

Brian: Other concerns for our state are incidents of ?robo-signing.? ?In California, when a lender begins the foreclosure process, they must certify that they have informed the homeowner of his or her rights. Our Mortgage Fraud Strike Force has received reports that these certifications have been ?robo-signed? by someone with no personal knowledge of the situation.

Another problem is the Mortgage Electronic Registration System, or MERS. This is an electronic database that was established to keep track of the millions of separate ownership interests in mortgaged-backed securities. The use of MERS ended the practice of recording assignments of mortgages at the county recorder?s offices. As a result, it can be difficult for homeowners to find out who actually owns their mortgage, and who the homeowner can contact to discuss it.

Both of these problems are addressed in the Homeowner Bill of Rights.

Us: How are tenants being abused in the foreclosure crisis?

Brian: Tenants frequently find themselves being turned out of foreclosed homes without regard to their lease. This, unfortunately, can contribute to the downward spiral of blight, as the property can be left abandoned and uncared-for when the tenant is evicted.

The Homeowner Bill of Rights would solve that by ensuring that lease terms for all tenants are honored after foreclosure, and that state law matches federal law by giving tenants 90 days after foreclosure before eviction can start, instead of just the 60 days our law currently provides.

Us: Are all these new laws necessary? Aren?t there already protections on the books?

Brian: The protections for homeowners in the law today contain far too many loopholes.

For example, there are blight laws on the books. Yet blight in spreading out from foreclosed homes, depressing properties values throughout the community. Government and homeowners need new tools, and our legislation would assist cities and counties in taking receivership over blighted properties to help restore and maintain them. It would also allow new homeowners additional time to address blight conditions in homes they buy, which will help speed the clean up in our neighborhoods.

Similarly, while some forms of ?robo-signing? are illegal, current law does not impose strong penalties to deter this misconduct. We raise the penalties to $10,000 per act to discourage it.

Finally, under current law, the jurisdiction of a grand jury is limited to a single county, which limits the ability of a prosecutor to bring complex financial cases, which often extend across multiple counties. We propose a new multi-jurisdictional grand jury to help prosecute these crimes.

Us: Why are you seeking a $25 notice of default fee?

Brian: What?s the key argument for the $25 notice of default filing fee in the current anti-tax climate?

We need a fee to support and expand our comprehensive investigations of fraud that relate to the mortgage and foreclosure crisis, and to have the resources to prevent a future crisis from happening. This gives law enforcement the tools they need to investigate wrongdoing against homeowners.

Us: When will the Homeowner Bill of Rights be introduced in the state Legislature, and when will it land on the Governor?s desk?

Brian: The California Homeowner Bill of Rights has been introduced in the legislature and will be taken up at hearings soon. There is an Aug. 31 legislative deadline to pass bills, but the urgency of this crisis compels us to act as soon as we possibly can.

.

Do you support Kamala Harris' proposed "homeowner bll of rights?"

.

Source: http://lansner.ocregister.com/2012/03/18/foreclosure-process-stacked-against-borrowers/159847/

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Wednesday, March 14, 2012

The Growing Epidemic of Obesity in Children and Teens | welcome ...

Professionals and researchers have been watching the growing trend since the 1980s. Young kids, pre-teens and even teenagers have been slowly and surely gaining more weight and there are severe health consequences to this. Countless studies and mountains of research have been conducted with regards to this problem over the last twenty years or so. One thing we know for certain, however, is that obesity that happens when kids are still young carries with it serious risk factors for major diseases later on. The most important thing that parents need to understand is that there is more to this story. Clinically obese and overweight kids are going to experience effects from their condition long before they mature into adulthood. As a parent you have to be aware of this as you may see you child demonstrating some depression signs.

There is a wide variety to the medical conditions that are going to be experienced by any young child, preteen or teenager who is obese. There are a lot of different influences, some of which might be genetic. Severely obese kids and teens are more prone to conditions that adversely effect their bones and joints. Lots of times problems that are associated with the load bearing joints in particular will show up. The skeletal stress will occur in the hips, knees, ankles and feet. Usually kids are going to have to deal with back pain as well as joints that are slightly swollen all the time. Kids who suffer from this are also commonly diagnosed with arthritis too. Perhaps one of the oldest expressions out there is that kids are cruel. Perhaps most of us have experienced that truism when we were younger. Kids who suffer from obesity are a lot more likely to have to deal with lots of teasing and, often, being humiliated verbally. It is any wonder how these children can get through all those years of school with their sanity intact. We all know that such a chronic level of abuse can lead to long term problems. The constant verbal assaults will have a tremendous impact in areas such as self esteem, confidence and the list goes on. When you child becomes a teenager, you may also determine its sympoms by reading signs of depression in teenage men.

You probably already know that obese kids and teens are burdened with a terrible social stigma. They have a hard time even doing everyday things like getting through the school day. The effects of this kind of activity can wreak havoc on a person for the rest of his or her life. Every person is going to have a different response to this. The ripple effects of being obese are huge and serious, and we seriously think many obese teens and adults may seek counseling so they can deal with the damage done.

We think that it is right that obese children should have a plan of action so they can start to lose this weight. Of course we are aware that there are loads of unique situations for these kids. It is a serious situation that so far has eluded serious inroads to reverse.

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Source: http://www.isayyoustay.info/the-growing-epidemic-of-obesity-in-children-and-teens/

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Tuesday, March 13, 2012

NFL Salary Cap: Broncos Set To Begin Free Agency With Plenty To Spend (Mile High Report)

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Source: http://wik.io/info/UK/319648520

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Arsenal Vs Newcastle United: Get Free Goal Alerts With the Fanatix App for iPad and iPhone

GOALLLLLLL!

Free Arsenal v Newcastle United goal alerts on your iPhone or iPod

Arsenal take on Newcastle United in the middle of a hot run of form that has seen the Gunners beat Tottenham, Liverpool and AC Milan in recent weeks. Alan Pardew will hope to get his Magpies side back on track as they travel to the Emirates in this Monday night fixture.

Fanatix is THE place to keep on the ball. Track Twitter hashtags, take in all the pre-game banter, join in the in-game chat and post-match reaction and get goal alerts straight to your device!

Follow the easy instructions below and you?ll be on the ball!

1) Download the free Fanatix app for your iPhone, iPod Touch and iPad from iTunes by CLICKING HERE

2) Then simply ?check-in? as ?tracking? to any game you wish and you?ll get an alert pinged to your device telling you the moment your side scores (or concedes).

The Goal Alert feature is just one of many great functions available on the free app and we heartily recommend you download Fanatix to enhance your footballing experience.

Simple as that!

Source: http://www.caughtoffside.com/2012/03/12/arsenal-vs-newcastle-united-get-free-goal-alerts-with-the-fanatix-app-for-ipad-and-iphone/

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Monday, March 12, 2012

roadracingworld: [RRW] Floyd Emde's Daytona-Winning Indian Scout To Be Auctioned March 16 In DeLand, Florida http://t.co/d64miWQS

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Source: http://twitter.com/roadracingworld/statuses/178677428321923072

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iPhone Sales Should Drive up 3G Revenue for China Telecom, but may Pressure Margins

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Source: http://quicktake.morningstar.com/StockNet/san.aspx?id=540229&pgid=rss

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Saturday, March 3, 2012

R-loops break down gene silencing

ScienceDaily (Mar. 2, 2012) ? Researchers at the University of California, Davis, have figured out how the human body keeps essential genes switched "on" and silences the vast stretches of genetic repeats and "junk" DNA.

Fr?d?ric Ch?din, associate professor in the Department of Molecular and Cellular Biology, describes the research in a paper published March 1 in the journal Molecular Cell. The work could lead to treatments for lupus and other autoimmune diseases, by reversing the gene-silencing process known as cytosine methylation.

"R-loops" are the key, say graduate student Paul Ginno, Ch?din and colleagues. The loops emerge in the RNA transcription process in DNA sections that are rich in cytosine and guanine, the C and G in the four-letter DNA code. These C and G stretches serve as "on" switches, or promoters, for about 60 percent of human genes.

Scientists have known since the 1980s that these so-called CG island promoters are not subject to methylation. But, Ch?din said, the mechanism has been a long-standing mystery.

The UC Davis researchers built a catalog of almost 8,000 CG islands in the human genome, studied their DNA sequences and found the CG sequences to be skewed toward having one strand of the double helix rich in guanine, and the complementary strand rich in cytosine.

Then, in RNA transcription, the G-rich RNA remains stably bound to a C-rich DNA strand, forcing the G-rich DNA strand into a loop -- which then prevents methylation.

DNA methylation is considered part of the new field of epigenetics, which studies inheritable genetic changes that are not directly coded in the DNA sequence. However, the new work shows that, at least at CG islands, the epigenetic state is determined by the DNA sequence.

Scientists know that reduced methylation of DNA plays a key role in triggering autoimmunity in lupus, Ch?din said. However, the molecular events behind this DNA under-methylation have been unclear.

"Our work establishes that excessive R-loop formation may drive under-methylation and autoimmunity," Ch?din said.

Co-authors: Paul Lott, graduate student; Holly Christensen, undergraduate; and Ian Korf, associate professor in the Department of Molecular and Cellular Biology and the Genome Center.

The National Institutes of Health and the Foundation for Prader-Willi Research supported the project.

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The above story is reprinted from materials provided by University of California - Davis.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.


Journal Reference:

  1. Paul?A. Ginno, Paul?L. Lott, Holly?C. Christensen, Ian Korf, Fr?d?ric Ch?din. R-Loop Formation Is a Distinctive Characteristic of Unmethylated Human CpG Island Promoters. Molecular Cell, 2012; DOI: 10.1016/j.molcel.2012.01.017

Note: If no author is given, the source is cited instead.

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://www.sciencedaily.com/releases/2012/03/120302101712.htm

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