American Cancer Society Releases 20 New Carcinogens

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In today’s health-obsessed society, most people are hyper aware of what could potentially harm their families. Cigarette smoke and asbestos residue lurking in the siding of an older home, for example, are two easily recognizable carcinogens. An educated, healthy minded person would never purposely expose themselves or their children to such dangerous substances. But according to an American Cancer Society alert issued in July 2010, millions of people are unknowingly exposing themselves to carcinogens and harmful conditions. The report lifts the disguise from 20 (twenty!) potential hazards.

Some of the “new” carcinogens are unsurprising, and almost impossible to pronounce! Take the chemical tetrachloroethylene, for example. Never heard the word? You’ve most likely been inhaling it without knowing, as it’s most often used in chemical dry cleaning. To avoid any further contact, simply invest in an at-home dry cleaning laundry system – or insist on only visiting organic dry cleaning facilities, where all chemicals have been eliminated. The study also highlights that if you happen to live in an apartment or condo located above or adjacent to a dry cleaning facility, you might want to think about moving. Higher occurrences of liver cancer, cervical cancer and non-Hodgkin’s lymphoma were reported among these types of tenants.

Steering clear of toxic substances may seem simple – but what if avoiding certain chemicals – like titanium dioxide, found in many mass-produced sunscreens and cosmetics – is the culprit? According to the report, experts have mixed feelings about titanium dioxide. It’s been linked to several different types of cancer in animals who actually ingested it, where humans slather it on skin. Beyond that, the actual danger a painful sunburn poses for humans may far outweigh any potential danger found in the titanium dioxide in sunscreen. Still, the American Cancer Society suggests investing in organic sun blocks or non-chemical forms of sun protection like sun hats and beach umbrellas.

While these findings may be cause for concern – and perhaps reason for government intervention down the road to protect consumers – the steadfast rule of staying healthy remains. Eat right, stay active, abstain from smoking – and despite the world becoming more polluted everyday, you’ll still decrease your cancer risk.

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Did the First Family Really Need that Maine Vacation?

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It’s almost August – and that means our country and government have hit summer’s official “dog days.” The record heat throughout our nation has sent most families fleeing to cooler climates – or at least to their local pool or lake to splash around. Certainly, everyone deserves a break during the year – no one more than our First Family, President and Michelle, beautiful daughters Sasha and Malia – who’ve no doubt had a stressful several months. But was an extended retreat to Maine – and away from our country’s major healthcare war – really appropriate? Not to mention, was it fair for our President to make major changes to his administration during his summer recession? After all, he did just appoint Dr. Donald Berwick to oversee Medicare and Medicaid – two critical, prominent programs currently gasping for air.

Because we’re currently in the throws of government’s annual summer recession – this sly decision – one that will ultimately control one-third of America’s healthcare budget – was made swiftly, without a press conference or briefing. Who is Donald Berwick anyway? And don’t taxpayers have the right to a little background on him? Why did our President hire him right now, or more importantly, couldn’t this decision have waited until everyone was back in Washington? If not, could the First Family have at least cut their vacation short to help the public adapt and adjust to this huge change?

With the healthcare debate growing more heated as we barrel towards mid-term election season in November, both sides have turned up the heat. Republicans are throwing punches in the form of anti-incumbency, and Democrats are hitting back with accusations of heartlessness. Needless to say, both right and left are fired up – and our President’s decision to appoint Dr. Berwick when, essentially, no one was looking – and he was on vacation – appears a bit backhanded. Nonetheless, both sides of the debate are hopeful that, once our new CMS (Centers for Medicare and Medicaid Services) Administrator settles in and hits his preverbal stride, he might be able to straighten out the healthcare mess we handed him.

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The Mortgage Term Calculator: Taking Financial Management to the Next Level

Managing your finances properly is always important, especially if you own a home. Financial responsibility is a prerequisite if you want to even think about buying a home. Given tough economic conditions when they arise, it becomes more important to find ways to manage your finances, and taking loans can be a part of this process. For a mortgage, loans are often necessary, since even well-paid home owners don’t always have that much cash on hand. A mortgage term calculator will assist in the process of understanding how much you can pay per month, based on the size of the loan you want.

Adding or subtracting just a few dollars per month to your mortgage payment can mean a difference of years in paying it off. The interest rate has a big impact on this as well. You can add a few dollars a month, and pay off the mortgage ahead of schedule. Online tools can help you calculate how you would do this. By entering basic information such as the loan amount, the interest rate, the length of the loan, what you are considering for a monthly payment, and your contact information, a quick click provides you with an answer that can help you manage your mortgage term.

This kind of tool helps you understand your own needs, and match that to what lenders are offering. Since owning a home is expensive and also incurs other costs such as maintenance and energy costs, having a sufficient means to compare mortgage rates is important not for just savings, but to your family’s well being.

You can find a simple tool such as a mortgage term calculator on the Internet, and it is free to use as well. It will enable you to understand better how you can actually remove the financial burden of a mortgage sooner than you originally planned to.

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Payday Loans and The Economic Recovery

Under the American Recovery and Reinvestment Act of 2009, taxpayers were granted relief of $400 per person in tax credits and $800 per couple. Rather than receiving a check for this amount, taxpayers would see the relief in the amount taken home each payday. Purportedly, this would reduce the need for payday loans.

However, there has been an increase in people using payday loans, perhaps because of the economic situation. Payday loan lenders report that only 2% of their clients use a payday loan only once. Most people return to a payday loan as a source of emergency cash again and again when they fall short.

Internet payday loans can cost up to $30 for every $100 borrowed. Some sites allow for a no penalty payback fee if the loan is paid back before a certain time, yet if the loan is not paid back, the fee is reapplied to the loan. Many lenders automatically renew the loan by withdrawing the fee from the borrower’s account.

Typically, a payday loan ranges from $200 to $2,500 and is made only to people who are over eighteen and who are employed or have a regular source of income. These types of loans are generally unsecured and poor credit is usually not a problem. To apply for an online payday loan, most online lenders make the application process simple, using either an online form or a toll-free number to call. The loan amount is then deposited in your account within the next few days.

Payday loans
are not for everyone and are only recommended in the case of extreme emergency. Some payday loans can be worth it, however, if you will be avoiding paying late fees or other expenses by having cash on hand. Talking to a financial counselor prior to getting a payday loan is advisable.

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The Male/Female Earnings Disparity in America

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In our current dismal economy, with jobless rates continuing to climb, many working Americans feel blessed and grateful to be employed at all, and the male/female salary debate has seemingly gone quiet for the past several months. However, disturbing statistics emerged from the University of Southern California in July 2010, citing a persistent salary gap between men and women, even those who earned advanced degrees – especially in the country’s desperate job market.

The USC study indicates that among male and female freshman students, financial freedom and security was cited equally as a reason for attending the prestigious school. By now, most Americans can agree that a Bachelor’s Degree in any field will place a job candidate head and shoulders above his or her competition – so this particular finding was unsurprising.

The study’s most troubling result is that among women, education difference matters very little when stacked up against male counterparts. Evidently, a woman with a four-year degree will earn equal wages as her male counterpart, without a four-year degree over her lifetime. So ladies, that very expensive, hard-earned piece of paper hanging behind your desk will earn you just about what a (free!) high school education earns a typical American male over the course of your career. Female college students, are you depressed yet?

With America’s jobless rate stubbornly hanging right around nine percent, most women – even highly-educated women – are thankful to be in the workforce. But maybe working gals shouldn’t be so complacent. Obviously, a male worker with a four-year degree will continue to lap his female equal on the workforce track until there is enough push-back in society for salary equality. But at least those two candidates have equal education! The true travesty from the USC study is that females who worked hard – and financed! – a college education are earning what a less qualified male earns in the workforce. Poor economy or not – women need to be paid what they’re worth.

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GMAT Prep Courses for Better Scores

To excel at the Graduate Management Admission Test (GMAT) takes knowledge, perseverance, skill and having the right tools to study. The Graduate Management Admission Test is a test that is required to pass in order to enter graduate business school and get an MBA or other business degree such as a Master of Accountancy. It measures the aptitude to succeed in those courses and other business studies. Its goal is to determine how students will perform in the advanced courses of a graduate management or business program. The unique factor about the Graduate Management Admission Test is that it is solely a computer-adaptive test (CAT) and uses a computer algorithm to understand each student’s exact ability in each subject. Everything is done by computer on this GMAT test except for any essay questions that may be required.

Almost 5,000 MBA and graduate management programs utilize this test and another 2,000 schools across the globe.

To prepare for the Graduate Management Admission Test, many students will find it necessary to be proactive and find a GMAT prep course to help them succeed.

A Graduate Management Admission Test prep course is a course that helps students study for the actual test with practice questions online, video instruction and preparation, and strategies to help pass the GMAT with a high or higher score than a person would likely receive without the course. Since getting into graduate school is a competitive strategy, a GMAT prep course can help a student prepare more efficiently for the test. Test scores are valid for 5 years, so it is imperative to get the highest score possible to ensure entry into the best school possible.

Taking a Graduate Management Admission Test prep course can give you the confidence and skill you need to pass the test and get into the school you desire.

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When Buying an Engagement Ring, Think Tacori

The timeless elegance of jewels and precious metals are what you’re looking for when it comes to an engagement ring. When you know you have to have the best, think Tacori engagement rings. They’re beautiful reflections of the love that you and your fiancé share. You can choose from many different styles and configurations, so you can find something that really fits with what you’re looking for. Whether the two of you shop together or you make the selection and present it as a surprise, it’s sure to be something she’ll treasure for the rest of your lives together.

Getting engaged can be a very exciting time in a person’s life. Everything is changing, and you’ve found that perfect person that you want to spend your life with. You’re thrilled, but you’re nervous. What if she says no? She won’t. Don’t worry. The Tacori engagement ring you’ll be presenting her with will help seal the deal, and you won’t have to be afraid that she’ll turn you down. You’ll be showing her that you know about quality, you understand about elegance, and you want to make sure that she has the best things in life. You may not be able to give her everything, but you can give her this timeless and classic engagement ring – which will mean more coming from a recognized and well-thought-of brand.

Take your time when selecting an engagement ring. You don’t want to rush. She’ll wear it for the rest of her life, so you don’t want to make a hasty decision and give her something she might not really love. If you’re unsure, take her shopping and let her choose some rings that she really likes. Ultimately, which one you pick will be a surprise – but you’ll know that you’re getting her something she’ll love and treasure.

Treasures in Your Attic

While most people are looking for ways to scrounge up extra cash, few are thinking of the items they already have that can be of tremendous value. While most people don’t even know it, the junk in their attics could be worth a fortune.

Ancient_Silver_Coin
Some of the most popular treasures hidden in attics are children’s toys. Since everyone had a childhood and most people had a hard time saying goodbye to it, the solution is often to toss the relics of what once was into a box and hide that box upstairs. However depending on when you were a child and what kind of toys you played with, those boxes could be hiding a boatload of cash. There are many collectors and antique dealers who will pay top dollar for toys dating back to as recent as the ’90′s, which means you don’t have to be 100 years old to potentially be sitting on a goldmine.

While on the subject of goldmines, there are several places online as well as in stores that buy and sell silver and gold in all of its forms. While most people won’t find antique coin collections in their attics, they may find some old or broken jewelry that many stores would be glad to pay for so that they can melt it and resell it.

Finally, since fashion is cyclical, selling your retro clothing is always a way to make a surprisingly large sum of money. For those people who had a hard time saying goodbye to the wardrobe of their youth, putting a price tag on it may make that transition much easier.

One man’s trash is another man’s treasure, and it’s remarkable to find just how much trash most people keep in their attics.

Why Home Builder Confidence is at its Year Low

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Every time we open a newspaper or flip on cable television, we’re bombarded with headlines telling us our economy is recovering; that we’re through the darkest hours of America’s most biggest economic catastrophe since the 1930s, and that trends show a light at the end of the jobless, homeless, profitless tunnel. Interestingly, these headlines and news stories can tell the public anything, but that doesn’t make them true.

In light of the federally funded homebuyer tax credit expiring and continued joblessness, the National Association of Home Builders (NAHB) reported in July 2010 that confidence in their industry has taken a major hit. In the several months before, the housing market showed promise as buyers rushed to purchase new properties to redeem up to an $8,000 tax credit. July marked the expiration of the government program, as well as a retreat of eager and interested buyers from the market.

In addition to lack of the tax incentive, the NAHB report also points to a jump in home foreclosures as a reason for a drop in builder confidence. Certainly, homeowners who found themselves out of work for several months thanks to a down economy are defaulting on FHA home mortgage at record pace. The few buyers looking for properties are now mainly hoping to close on a great foreclosure deal rather than purchase a new construction, sending homebuilder confidence nose-diving even further.

Bernard Markstein, Senior Economist and Vice President of the NAHB, believes the industry still has reason to hope in the face of these new discouraging reports. He actually views the foreclosures as a galvanizing point in the market, claiming that buyers will get the itch to purchase once they investigate the historically low home prices and mortgage rates. He also cites a recent uptick in automobile sales, another industry circling the drain only a few months back, as reason to believe that home sales will soon surge. Let’s hope he’s right – and that, like the inflated positive reports of economic recovery, the depressing housing industry reports are just as exaggerated.