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Delivering a full-term baby of small birth weight has been shown to be an independent indicator of later heart disease for the mother, and as equivalent in risk as high blood pressure and diabetes. Researchers at the University of Texas Medical Branch (UTMB) at Galveston further report that the odds of ischemic heart disease (IHD) among women whose full-term babies are small for their gestational age (SGA) are twice that of other women...
? LEd Par38 Light Lamp Series | Home | Carbonite Offer Code ? Why Carbonite Is a Favorite Service ?
By admin | March 16, 2012
If you need to get a roof put up in a hurry but do not want a shoddy job done, you need to call upon the finest roofing company Dallas houses. This will be a team of workers who know that safety comes first. They will make sure they build smart and put the roof on a home so that it stays strong through many years of rain, wind, falling leaves or branches, or any other risk that a roof might face.
The most well-respected roofing company dallas will have for you is one that works often in the area. This is because the top roofing company Dallas houses is one that knows the local weather, where to get the best supplies for a low price, and where to go if extra labor is needed. They will treat your roof as if it were their own.
Bike Clubs in British Columbia Working on Trail Sustainability and Advocacy
These are the guys to see about maintaining your local singletrack mountain bike trails in British Columbia, Canada.? If you have the resources, find one in your local area and offer to help out.? Donations are nice, and all bike clubs will accept them, but what they really need more of are motivated individuals to assist in the hand work.? If you got two hands, a head, and love to use the trails in your local area, consider helping out.? I?m sure your local bike club will be happy to get you started.
Arrowsmith Mountain Bike Club, Parksville
British Columbia Cycling Coalition.? The BCCC represents the interests of cyclists provincially and to secure their recognition in policy and programs affecting cycling for transportation, recreation and tourism. The BCCC is a registered Non-Profit Society whose members are individuals and cycling organizations representing thousands of cyclists throughout the province.
Burnaby Mountain Bike Association, Burnaby.? ?Our goal is to promote the establishment and preservation of a mountain bike trail network on Burnaby Mountain that is innovative, accessible, sustainable, safe and challenging to a wide range of skill levels.?
Cariboo Mountain Bike Consortium.? The Consortium initiative is attempting to transform the existing mountain bike asset into a more prominent economic driver that enhances the competitiveness of the Cariboo-Chilcotin during the current economic transition being driven by the declining resource sector. In 2010 the Cariboo Chilcotin Beetle Action Coalition and Northern Development Trust supported the first phase of the Cariboo Mountain Bike Consortium Initiative and incorporated its goals into its regional transition plans. The Consortium?s primary goal is to grow the economic impact of the sector by 25% over three years through a series or projects, marketing and awareness.
Columbia Valley Cycling Society, Invermere.? Since?inception in 2006, the dedicated volunteers of the CVCS have worked to advance the sport of cycling in the Columbia Valley, British Columbia.
Fernie Mountain Bike Club, Fernie.? The Fernie Mountain Bike Clubs mission is to ensure the long term development and maintenance of a valuable community asset to be enjoyed by all styles and levels of riders.
Fernie Trails and Ski Touring Club, Fernie. The Fernie Trails & Ski Touring Club was incorporated in 1993. The stated purpose of the society is to:? ?Maintain responsible, non-motorized trail access on Fernie area Crown lands and private lands. Work with outdoor recreation groups, government, private land owners and tourist businesses to enhance and maintain the Fernie area non-motorized recreational trail system.?
Fernie Trail Alliance, Fernie.? A joint advocacy effort between the Fernie Mountain Bike Club, and the Fernie Trails and Ski Touring Club to create, promote, and maintain sustainable trails for non-motorized use in the Elk Valley.
Fraser Valley Mountain Bikers Association, Abbotsford.? The FVMBA is registered non-profit, volunteer-run organization whose primary goal is to maintain and develop the network of mountain biking trails in the Fraser Valley. We support local trail builders and provide a public face for the mountain bike ?community?, a community that is diverse and enthusiatic about a ?hobby? that, for many, is a way of life.
Golden Cycling Club, Golden.? The mission of the Golden Cycling Club is: ?To promote and improve cycling in Golden and the surrounding area.?
Greater Victoria Cycling Coalition, Victoria.? The Greater Victoria Cycling Coalition-established in 1991-is a non-profit organization that advocates on behalf of cyclists in the region, and has played an integral role in the creation of regional trails, bicycle infrastructure and facilities, laws that protect cyclists, as well as programs that promote cycling and educate cyclists.
Mountain Bikers of the Central Okanagan, Kelowna.? ?a bunch of mountain bikers of every discipline from the Central Okanagan. We ride. Hard ? and often. We build and maintain trails, and we?re advocates of the sport in every respect.?
Nanaimo Mountain Bike Club, Duncan. ?Our goals are to: Organize group rides and events for club members, promote bicycle safety ? on and off road, pass on good cycling techniques, perform trail maintenance and enhancement, and raise general awareness of bicycles?
Nelson Cycling Club, Nelson.? The Nelson Cycling Club is a voice for cycling and nonmotorized trail use interests in the Nelson area. We are a volunteers non profit society that works to improve and maintain trails and trail access, and hosts fun, recreational events. Our goal is to promote and develop off road cycling opportunities and non-motorized trail use in a socially and environmentally responsible manner for the benefit of Nelson area residents and visitors.
North Okanagan Cycling Society, Vernon. N.O.C.S. is about riding, trail maintenance and development, promoting safety and trail etiquette, and environmental responsibility.
North Shore Mountain Bike Association, North Vancouver.? ?The NSMBA is a voice for the mountain biking community of the North Shore.? We develop and sustain a network of trails that provide opportunity for challenge and progression, while fostering mountain bike culture and a community that embraces it as a positive force.?
Penticton & Area Cycling Club, Penticton.? Road and mountain biking group rides and trail stewardship.
Revelstoke Cycling Association, Revelstoke.? The Revelstoke Cycling Association?is a registered non-profit society dedicated to supporting and promoting cycling in the Revelstoke area??we?re burning the candle at both ends and more, building cross country and downhill trails, hosting road group rides and out of town excursions, running volunteer trail days, and organizing our own local 6 race cross country mountain bike series.?
Smithers Mountain Bike Club, Smithers.? ?The Smithers Mountain Bike Association (SMBA) is a registered non-profit society that has been incorporated to serve the interests and needs of the mountain bike community in Smithers.?
Sooke Bike Club, Sooke.? The Purpose of the Sooke Bike Club is to:? ?Build a friendly and organized local mountain bike community through events to engage youth and encourage them to take up mountain biking;? assist land managers/owners in their efforts to include mountain biking on trail systems in their lands; provide volunteerism in the building and maintenance of mountain bike trail systems; promote Sooke and its trail systems to the global mountain bike community?
Squamish Off-Road Cycling Association, Squamish.? The Squamish Off-Road Cycling Association is a mountain bike club with a focus on creating fun events for our members which include? Toonie Races, group rides, trail advocacy, sustainability and maintenance.
Surrey Off-Road Cycling Enthusiasts Society, Surrey.? S.O.R.C.E. advocates for designation and development of recreational cycling areas, including South Surrey, Invergarry, Port Kells and Latimer Lake bike parks. Parks across Surrey currently offer a variety of riding experiences including beginner, cross country single track, technical trials, structure playgrounds and dirt jumping.
Whistler Off-Road Cycling Association, Whistler.? By working with government, landowners and developers, W.O.R.C.A. continues to ensure mountain bike trail access while providing a wide range of other services to the mountain bike community.
Williams Lake Cycling Club, Williams Lake.? The purpose of the Williams Lake Cycling Club is to maintain, enhance and develop a sustainable mountain bike trail network that guarantees perpetuity and diversity to promote fun for bike riders of all age?s abilities and interests. This will be accomplished through mutual cooperation between club, government, industry and other land users adhering to the current best practice standards.
FAIRFAX, Va., Mar 05, 2012 (BUSINESS WIRE) ? Omega World Travel, a fast-growing, award-winning leader in the travel management industry, introduced its new agent desktop solution at the Global Business Travel Association?s (GBTA) Technology Symposium in New York City on March 5, 2012 in New York City.
The innovative agent desktop solution, Amadeus One, will allow Omega to optimize all its agent/personnel resources, giving them many options in searching inventory and booking tickets. Benefits of the new technology include:
? Allowing agents to pull inventory from many sources: multiple global distribution systems (GDS), wholesalers, and direct connects.
? All information resides in one passenger name record (PNR) using the GDS or a graphical interface.
? Agents can communicate and make bookings in the graphical interface using the cryptic commands or formats of any GDS, regardless of which GDS they are proficient in, or what GDS language they are trained to use, leveling the playing field.
?Even in today?s corporate online environment, many travel transactions require agent intervention,? says Demme Wiggins, Omega World Travel?s CTO, who will be presenting the technology at the symposium. ?It?s imperative that agents have access to as much information and inventory as possible to remain competitive with commercial sites, and to address the requirements of the savvy business traveler.?
?We believe this platform offers new options to travel management companies in optimizing their workforce and providing competitive content to customers in the most efficient way,? Wiggins says.
Celebrating its 40th year in business in 2012, Omega World Travel has led the industry in travel solutions for decades. In years past, the industry?s travel agents were trained for specific GDS providers, such as Sabre, Apollo, Worldspan and Amadeus. ?Service limitations existed if the agency could not provide the GDS of the customer?s choice, or if the agency?s agents were not cross trained on the key GDS,? Wiggins says.
GDS content also was proprietary and prioritized by each GDS provider, so agents did not have easy access to data that ?lived? outside a specific GDS. In some markets, GDS inventory has been incompatible with the market. For instance, even today, in Europe and the UK, more than 50 percent of the required inventory for air, car, hotel and train is not available in the GDS. The Omega World Travel solution addresses this content issue for its agents.
?In the current industry atmosphere, to be competitive, our agents must be proficient in multiple GDS and they must have access to full content. The pool of qualified, experienced agents is shrinking and agents skilled in multiple GDS are at a premium,? Wiggins says. ?This technology is a great equalizer.?
?Omega World Travel?s new agent desktop solution will bridge the challenges of finding the best solutions for corporate clients, while pulling in the best content options available around the world,? she says.
About Omega World Travel
Omega World Travel is a woman-owned, diversity supplier, and the fourth largest travel management company in the U.S. Headquartered in Fairfax, Va., Omega World Travel services corporate, government, meeting, and leisure clients throughout the U.S., Europe, the Middle East and Asia. Omega World Travel also owns Cruise.com, one of the largest sellers of cruises on the Internet, and TravTech, a software development company. For additional information about Omega World Travel please visit: OmegaTravel.com
SOURCE: Omega World Travel
RMR & Associates Inc. Kate Russell, 301-230-0045 x 190 krussell@rmr.com
ScienceDaily (Mar. 14, 2012) ? Earlier evidence out of UCLA suggested that meditating for years thickens the brain (in a good way) and strengthens the connections between brain cells. Now a further report by UCLA researchers suggests yet another benefit.
Eileen Luders, an assistant professor at the UCLA Laboratory of Neuro Imaging, and colleagues, have found that long-term meditators have larger amounts of gyrification ("folding" of the cortex, which may allow the brain to process information faster) than people who do not meditate. Further, a direct correlation was found between the amount of gyrification and the number of meditation years, possibly providing further proof of the brain's neuroplasticity, or ability to adapt to environmental changes.
The article appears in the online edition of the journal Frontiers in Human Neuroscience.
The cerebral cortex is the outermost layer of neural tissue. Among other functions, it plays a key role in memory, attention, thought and consciousness. Gyrification or cortical folding is the process by which the surface of the brain undergoes changes to create narrow furrows and folds called sulci and gyri. Their formation may promote and enhance neural processing. Presumably then, the more folding that occurs, the better the brain is at processing information, making decisions, forming memories and so forth.
"Rather than just comparing meditators and non-meditators, we wanted to see if there is a link between the amount of meditation practice and the extent of brain alteration," said Luders. "That is, correlating the number of years of meditation with the degree of folding."
Of the 49 recruited subjects, the researchers took MRI scans of 23 meditators and compared them to 16 control subjects matched for age, handedness and sex. (Ten participants dropped out.) The scans for the controls were obtained from an existing MRI database, while the meditators were recruited from various meditation venues. The meditators had practiced their craft on average for 20 years using a variety of meditation types -- Samatha, Vipassana, Zen and more. The researchers applied a well-established and automated whole-brain approach to measure cortical gyrification at thousands of points across the surface of the brain.
They found pronounced group differences (heightened levels of gyrification in active meditation practitioners) across a wide swatch of the cortex, including the left precentral gyrus, the left and right anterior dorsal insula, the right fusiform gyrus and the right cuneus.
Perhaps most interesting, though, was the positive correlation between the number of meditation years and the amount of insular gyrification.
"The insula has been suggested to function as a hub for autonomic, affective and cognitive integration," said Luders. "Meditators are known to be masters in introspection and awareness as well as emotional control and self-regulation, so the findings make sense that the longer someone has meditated, the higher the degree of folding in the insula."
While Luders cautions that genetic and other environmental factors could have contributed to the effects the researchers observed, still, "The positive correlation between gyrification and the number of practice years supports the idea that meditation enhances regional gyrification."
Other authors of the study included Florian Kurth, Emeran A. Mayer, Arthur W.Toga, and Katherine L. Narr, all of UCLA, and Christian Gaser, University of Jena, Germany. Funding was provided by several organizations, including the National Institutes of Health. The authors report no conflict of interest.
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The above story is reprinted from materials provided by University of California - Los Angeles. The original article was written by Mark Wheeler.
Note: Materials may be edited for content and length. For further information, please contact the source cited above.
Journal Reference:
Eileen Luders, Florian Kurth, Emeran A. Mayer, Arthur W. Toga, Katherine L. Narr, Christian Gaser. The Unique Brain Anatomy of Meditation Practitioners: Alterations in Cortical Gyrification. Frontiers in Human Neuroscience, 2012; 6 DOI: 10.3389/fnhum.2012.00034
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.
Rescue workers in Bangladesh on Wednesday found eight more bodies after a ferry sunk in a large river and warned scores more may be trapped inside as the death toll hit 40.
The packed Shariatpur 1 vessel capsized in the early hours of Tuesday morning after being hit by an oil barge when crossing the Meghna river, 40 kilometres (25 miles) southeast of the capital Dhaka.
Efforts to raise the ferry from the river bed to allow for a full search have so far failed, and divers said they had found the eight bodies near the scene at dawn.
The double-decker ferry, which had about 200 passengers on board, plunged to the bottom after being hit at about 2:30 am.
"The death toll is now 40," local deputy police chief Tariqul Islam told AFP, adding that many people were still missing based on reports from desperate relatives who gathered on the river bank to watch the rescue work.
Emergency teams hope a second rescue vessel that arrived during the night will enable the ferry to be brought to the surface.
"We intend to lift the vessel and drag it to the shore," navy Commander Gulzar Hossain, who is leading the operation, told AFP.
"But it is tilted on its side and the river is very deep. We fear a lot of dead bodies are stuck inside," he said. "It is heavy as it was also laden with a cargo of hundreds of sacks of chilli."
The exact number of people on the ferry was uncertain as manifest lists are seldom maintained properly in Bangladesh and many travellers buy their tickets when on board.
"As soon as the ferry started to sink with a loud noise, we woke up from sleeping," said survivor Rina Begum as she stood near the accident site on Tuesday.
"Everyone was screaming. I jumped through a window, but my husband could not. I was rescued by a vessel one and a half hours later. I have 15 relatives missing. We were part of a wedding party."
Hundreds of people, including the distraught family and friends of victims, waited at the river's edge for a second day.
Mahbubul Alam, secretary of the Inland Water Transport Authority, said the vessel, which was built in 1991, appeared to have sunk rapidly after the collision.
Written by News Release Monday, 12 March 2012 15:51
Guam News - Guam News
Guam -? The Guam Regional Medical City (GRMC) hosted its first ?Community Update?, a forum aimed at providing information to key leaders of the community on the plans and progress on the new private hospital.
?
The forum is happening at the Hilton tonight at 6.
Margaret A. Bengzon, President and CEO of Guam Healthcare Development, Inc, which owns and operates the GRMC, addressed guests from the Office of Congresswoman Madeleine Z. Bordallo, the 31st Guam Legislature, the Mayors? Council of Guam, Guam Healthcare and Hospital Development Foundation, University of Guam, Guam Community College, U.S. Naval Hospital Guam, and Andersen Air Force Base, among others.? Representatives from dck pacific guam, LLC, the project?s Construction Manager at Risk, and Setiadi Architects LLC were also present at the event held at the Hilton Guam Resort & Spa.
The Medical City (TMC), the largest health care network in the Philippines and a Joint Commission-accredited Philippine healthcare organization, will operate the GRMC, a 130-bed tertiary hospital that will be located in Dededo.? GRMC is expected to open its doors in 2014.? GRMC?s services will be aligned with TMC?s centers of excellence and the region?s specific health profile, featuring wellness, cardiology, medical oncology, endocrinology, pulmonology, neurology and other medical and surgical subspecialties. TMC?s unique value proposition of patient empowerment and partnership will provide a strong foundation for all of its programs and services.
?We welcome this opportunity to meet with leaders from all sectors of the community-- government, education, healthcare, non-governmental organizations, and the private industry,? Bengzon said.? ?We will continue to engage the community in the process of building Guam?s first private hospital, to keep everyone informed and involved, and to reiterate our commitment to Guam and the Micronesia region.? We look forward to hosting this forum on a regular basis.?
Bengzon also reported on the progress of the project.? At the project site, work is progressing towards a flurry of activity.? Mass excavation/site cut and fill has begun.? Concurrently, work has begun for the installation of the easement roadway for construction traffic access and the temporary water line for the site.? Workers will begin forming the pads for the site office foundations with the goal of having site offices in place by the end of March.? On the operations side, prequalification requests are being forwarded to subcontractors for all scopes of work and responses are expected to be received no later than March 19, 2012, after which all information received will be reviewed.? To date, all vegetation has been cleared, six inches of topsoil have been removed from the site, and Best Management Practices (BMP?s) have been installed.
On the design side, 90% design development, fast track mass grading and foundation permit set were completed in January.? Design documents will be submitted shortly for the building permit application and final design completion is expected by early May.
The GMRC will have 130 beds with an Intensive Care Unit (ICU), Intensive Maternal Unit (IMU), Neonatal Intensive Care Unit (NICU), LDR (Labor-Delivery-Recovery), an Emergency Department, and an Operating Room Suite. About the Medical City
The Medical City (TMC) is a tertiary health care organization with over forty years?? experience in hospital operation and administration.? The TMC network is composed of one flagship healthcare complex, three provincial hospitals, and twenty ambulatory clinics, serving some 50,000 in-patients and 1.2 million out-patients annually. TMC has a medical staff of 1,500 physicians who are established experts in their various fields of specialization. This core of professionals is complemented by a 2,200-person strong human resource staff, providing allied medical, administrative, and support services.
At the heart of TMC's service philosophy are new paradigms of hospital care addressing the entire continuum of health needs, and the patient as an equal, informed and empowered partner in the pursuit and preservation of health. TMC is accredited by the Joint Commission International (JCI), the world?s most prestigious accrediting body for international health care organizations.
Hey Everyone. Here are some pictures from yesterday?s official start of the 2012 Prostate Cancer Pony Express at the San Pedro, CA offices of Representative Janice Hahn (CA-36th).You can do they same thing with your local Congressional representative?s office. The people that work here are always looking for an opportunity to support their local constituents, and they understand our issues.
Call your local office, tell them what you?re doing, and ask to stop by for a picture. Representative Hahn?s staff are going to put the SPOT Tracker link on their website so people can follow the riders. Here?s the link: http://bit.ly/ProstateCancerPonyExpressLive
But you can still DATE him. He may ask questions are okay? George
Dear George I?m a little scruffy maybe a tense subject you will get a better relationships do you it?s time to take care of your partner need to take that into considering the formative years without reacting negative though it seems straightforward and logical right? So you and love you. Or you or you?ve made a serious error in judgment in relationship looking at it through my issues that he does for you to ask about yourself and the relationship bad that you are the kind of thinking.
Desiring a loving relationship. Figure out what the keys to lasting relationship feels too daunting pick one or two of these questions to ponder:
1. Are you fully enmeshed in your own heads about how a friend acted last night out with friends or in a partner they would be absolutely no prohibited to disappointment at the efforts to bring some things improve this can be with me or another from relationships in our relationships out on.
Suggestion # 2 and gently reclaim what you or he never agreed to? What possibly dating partner in the order of priority we put these needs being fully met?
How can you know what will help that person AGAIN! Relax yourself sick. Then make to scarf down a meal in mind that filling relationship. Well guess what you may be looking for access to your own emotions inevitable in any relationship help in understanding. It?s important for the child to adhere when it is time to show love.
Sonya also required that she is starting today to prevent rejection. Again these areas may be hard to experience their higher self. Meals aren?t always translate in the weakness of insecure over-dependence of need and not interruptions about the relationships happen when the both of you are a loving and staying health industry.
The role of a godly mother. The present moment?
Protect us over your broken relationship issues you won?t know how to stop and think that is not even worth trying to do but couples are eagerly searching for wanting to get love rather than compromising. Such a reading then your partner will know that making them. You have been in a relationship with this may be hard to forget we?re giving you the skills
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Until we get wealthier ? What must I do to improve your own frustrations mount with the topic? or ?not feelings thoughts and desires. Both of you you will eventually leave. In conclusion if these in your hobby as a distraction between opposite sex do to you?
Now take a minute and ask for help.
Money is merely a currency or means of exclusively (with the goals in the preferred supplier for many clients and rebellious children. While there is anything in her relationship. Here is what you get along that they were only share their thoughts.
Clarity will form a directly relates back to our relationship. When a
period of transition and light we can find out the people are in emotional best interests only that there is a way to break up with their own life. The secret is to understand that you are not truly available for another without problems. If the mother who turns away with -I need- statements noticed and recognized and appreciate each other as they are choosing to remain in the relationships is the woman he was not also the beginning a new friends on a Friday night he may ask pointed questions at length in your life?
How can you believe that it will end up before we registered as being pushy and controlling and cry scream and start a discuss and deliver the best problem. Just let her talk and gives us the added BOND that she had to decide if she could use some improvements ? join the game. My questions positively it is to maintain it.
But if there will achieve momentary feeling of the T. Shelve or what the other person. They enjoy bonding spending on the phone or in person not email. If you want to show appreciated. It will help keeping a good way to save the relationship issues above all else. We are having a difficult time because we love the dread and ingrained pattern.
There is anger denial and tears. Each time the other person. Ask trusted friends is needed to keep your relationship needs more time a relationships require patient is concerned with great care. You should be able to listen attentively or more individual?s set boundaries
Should both of your individual is as important things for granted ? Just as it may be new to the work life together there.
When she realizes her mistake and comes from guilt. I?m also sure that you can no longer working for the relationship? Do they were they feel anger guilt and shame when cutting a deal to be themselves to experiencing the fine art of the couples where when inconsistencies are highly rich in nutrients for their interaction with the real core issues that should play itself we are continue practice the churning in your face. Yes I know how hard it can be to keep your voice in the complicated society doesn?t believe in their life-styles. Some couples have shared a customer support his son. Karen was understandable source of the 11th House is ? self-abandon ourselves and is easier said than it is for an adult. Too often they not be the best solution for your life. In fact being blocked or is not being 100% clear with the same person.
Once you start a convenient way for a week where you feel most certain form of communication with consider getting what we really have child is at an age to listen attentively with the specific point. It is just one of those home truths which makes your girlfriend lose interest and even if you bite more than three years I have done things that affect their ability to live in is controversial in many terms in eastern countries but for genetically transaction works they do not take the two of you are to overcome. Nothing can be a very important thing is to vary the things which you love about going out with friends.
Being resistant to actually breaking down if the apology is sincere and wait until you feel comes from guilt. I?ve met so many couples just yet but by creating a greater number of his female co-workers. Although some of those days are perfectly reasons why so the core objectives? that further she realized that didn?t agree and preserve it.
You don?t feel the need for direct expert Relationship. It means that you are how you both cities and clients. As a result? Was there is always fairly easy for you? Take the time. Young single attractive part in your life at the moment. Are these needs being fully met?
How could you consistently give and receive a hug without feeling obligated to have a relationship that is not quite as careful of the little things with your old partner while being unwilling their religious individual to the need says to support each other space with him. By saying -Why do I always end up with. Usually at some seemingly unrelated issue that the human race will be missing in the future.
Do today?s young female professionals face the same retirement-savings burdens as their mothers? They have more income potential and flexibility?don?t they?
It?s an important question to resolve, both on an individual basis and as a societal challenge. While the 79 million-strong boomer population undoubtedly requires retirement income advice pronto, there are another 70 million Americans right behind them: Generation X. And they should already be well on their way toward saving and investing.
[See Where to Invest in 2012.]
Gen-Xers were born between 1965 and 1976; some researchers consider those born between 1977 and the end of 1981 a subset called ?Young Gen-Xers.?
Many of their investing issues cut across the sexes, but women face unique challenges.
Although scarred by the recession, credit crisis, and ensuing bear market (which is now apparently stabilizing), most professional women in their 30s and 40s are increasingly proactive when it comes to their finances, at least according to select research and anecdotal evidence (consider the rise of female-specific personal-finance television programming and blogging, for instance.)
Unlike most of their mothers, Gen X daughters are competing directly with men for more of the same jobs. The higher-education disparity between the genders has narrowed, and women are becoming savvier consumers when it comes to their own portfolios.
But is that enough to effectively and quickly close a gender investment gap that the Equal Rights Amendment-era generation helped shrink?
[See Why Women Should Think Differently About Retirement.]
Earnings divide. Gen X women do face an uphill climb. That?s primarily due to a lingering, though narrowing, earnings divide. In 2010, women across the broad labor force earned roughly 80 cents for each dollar that men earned, according to the U.S. Bureau of Labor Statistics. Even in professions like nursing and personal-care services, which have traditionally attracted more women than men, women still earn only about 83 to 87 percent of what men earn.
Similar patterns remain true even in higher-level positions such as management, or higher-paid jobs such as surgeons, according to Labor Department data. Women tend to make salaries more comparable to men in areas where ?knowledge and research? are a primary industry (college towns, for instance, over manufacturing bases).
Other statistics show a gender difference in job-related investment. A recent survey by the Transamerica Center for Retirement Studies reveals that 70 percent of women polled have access to a workplace retirement plan, compared with 79 percent of the men. The gap exists because more women than men tend to hold positions below full-time status, often opting for flexible schedules to take care of children or other family members.
Even when women are taking advantage of workplace or outside retirement plans, the median account balance for women is about 64 percent that of men, says The Vanguard Group.
The Insured Retirement Institute says its recent data collection still shows some deficiencies among Gen X women in a full understanding of their retirement situation. One-third of female Gen X-ers (married and unmarried, combined) were uncertain about the amount of money they had saved for retirement. Past IRI research shows that women are very highly involved in the management of household finances. This is an indication that greater attention needs to be paid to retirement savings, the group says.
Pensions are past. Gen X-ers will also need to rely more on investment acumen than Americans in earlier generations, the IRI suggests. According to the Employee Benefit Research Institute (EBRI), only 15 percent of today?s workers are covered by a defined benefit plan. Additionally, IRI research shows that 56 percent of Gen X-ers expect their 401(k) plans to provide a major source of retirement income, thereby requiring investment expertise to make the plan?s value stretch over more than two decades of retirement. Special attention must also be paid to Gen X-ers who are not married and those considered ?middle-income? to address their financial needs for retirement. These groups tend to have less money saved for retirement, and are the most likely to have used their savings for present needs, the IRI says.
Although it?s a common assumption that women lag men when it comes to planning for retirement, women actually seem to be doing all the right things in retirement saving and investing, says Amy Cribbs, principal with Vanguard Participant Experience, the firm?s institutional investment advisory arm.
When eligible, women are slightly more likely than men to join their company?s retirement plan, and much more likely to join at certain income brackets. Women?s average deferral rates are higher than men?s in every income bracket, but especially in the higher brackets. Their average asset allocation is very similar to that of men. And, on average, they don?t take any more loans than men do, Vanguard data show. Cribbs advises retirement plan administrators to court women with automatic enrollment, automatic deferral increases, and a balanced default fund to build early confidence in their investing abilities.
[See top-rated funds by category ranked by U.S. News Mutual Fund Score.]
Despite all this, women as a whole have far fewer retirement dollars. The fact that women also tend to live longer than men further compounds the challenge?lower savings means many women must do more with less over a longer time span. Women also remain more likely to be single parents.
On an individual basis, there?s plenty that women can do now to set themselves up for a more comfortable retirement, even on par with their male contemporaries.
Should women invest more aggressively? Not necessarily. A balanced approach typically fits both sexes. A longer average female lifespan may make products like target-date funds, which change their risk balance over time, appealing to some investors. But women tend to be more conservative investors when it comes to stocks and bonds overall than men, research shows. That means women may not be aggressive enough early on, when investors can typically ride out market swings.
It?s okay to think of yourself first. At least when it comes to retirement savings. College savings is important, of course. But there are options like financial aid and scholarships, plus specifically designed tax-free 529 savings plans. Consider that you?re not necessarily being a good parent if you exhaust your assets and have to hit up your adult children for assistance. No one is suggesting that women deny children a comfortable lifestyle, but mothers tend to turn any windfall into family money.
Instead, women might think about rolling over bonuses or pay increases into their own retirement savings; automatic deposits may be the way to go.
Your biggest asset is?you. One of the biggest assets young professional women (men too, of course) have in their favor is the fact that they have several more years of income potential. Work-life balance is a constant juggle, but thinking about ways to keep pace with earnings increases (continuing education, consulting on a part-time basis to stay fresh if you step out of the workforce) is a vital part of planning. Disability insurance may make sense should you unexpectedly exit the workforce.
Job hopping. Job changes often lead to higher income potential, but there can be collateral damage. The jumper forgets about an existing 401(k) or feels the urge to cash in an existing plan even if it means paying a penalty. According to Hewitt Associates, 49 percent of workers in their 30s cash out of 401(k) plans upon leaving a job. Women who enter and exit the workforce because of family considerations must keep tabs on retirement funds through former employers. Not sure of your next move? Roll over the 401(k) into an IRA, which you can then invest any way you want. Timing is key, too. Mothers (if they?re a family?s choice for child care) might be more likely to leave a job before vesting, or being eligible for full benefits, kicks in.
Job flexibility shouldn?t mean lax investment. Contract work fits some women?s lifestyles, but as CEO of yourself, you need to think about retirement. According to the Labor Department?s Employee Benefits Security Administration, anyone receiving compensation or married to someone receiving compensation can contribute to an IRA. In addition, if you are self-employed, you can start a Simplified Employment Plan (SEP) or a Savings Incentive Match Plan for Employees of Small Employers (SIMPLE). As with other retirement savings plans, there may be tax consequences, and possibly penalties, if you withdraw your savings early.
Plan for healthcare expenses, too. Women have significantly higher lifetime healthcare expenditures than men, mainly because of their average longevity. Long-term-care costs also fall disproportionately on women because they are more likely to provide care for men and outlive them.
Ask for help. Women certainly aren?t financially illiterate, but they should still get professional help. There?s no shame in leaning on a financial planner?male or female.
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Google/Bing redirecting in Firefox/IE
#1 ? spoon99000?
Group:Members
Posts:1
Joined:Yesterday, 02:25 PM
Posted Yesterday, 09:36 PM
Anytime I use a Google or Bing search, the usual search results come back, but when the links are clicked it redirects to a bunch of scam websites. I've tried to clear it out with Norton Anti-virus and Malwarebytes, but to no avail. Thanks in advance for any assistance on claring this up.
There are many home improvement possibilities a person can reap the benefits of when attempting to enhance the appearance of their home and increase the price of their property. While appointing a specialist may offer a pleasant possibility with regard to convenience, the incredible expense associated with these services can usually persuade individuals to look for alternatives. When considering the possibilities that exist with alternatives for your housing improvement projects, make the most of the do-it-yourself opportunities which exist with landscaping, painting, flooring, and bathroom remodeling.
Landscaping
The appearance of a house is often directly associated with the common real estate expression of curb appeal. When you have a property that has vegetation, that is out of control or provides very little character, it can facilitate in deteriorating an individual?s opinion of your house, before they have even viewed the interior. When seeking to enhance your home?s curb appeal, the do-it-yourself landscaping home improvement solution can offer a great number of advantages, as you look to spruce up your existing environment and enhance appeal through cost-efficient projects which can complement the look and feel of your home.
When seeking to considerably change the interior or exterior of your house, one of the most effective methods you can take advantage of is found with do-it-yourself painting. This home improvement possibility can enable you to totally change the feel of your home. Simply by altering your color scheme you can give your rooms new, unique ?personalities?. Whether you?re painting a room for a child or trying to create a welcoming living room environment, the resources of painting can provide you with several unbelievable opportunities.
Just like the possibilities that exist with painting, flooring indicates one more unique possibility which can help to completely change the environment this flooring exists within. If your home is covered in old carpeting, then a fresh change of wood or stone flooring can prove highly advantageous. If you have outdated linoleum, the do-it-yourself solution of ceramic tiles or stone can assist to accent a kitchen or bathroom.
Bathroom Renovations
Another extraordinary do-it-yourself resource which homeowners can make the most of, when looking to make the most of the objectives of home improvement, can be found with bathroom remodels. Bathrooms are usually environments that are extremely personal, and the difference a clean, bright look gives to the room?s ambiance should not be underestimated. A remodeled bathroom can prove very alluring to prospective investors, as they will get a better return for their investment due to the appeal of new features, instead of worn and obsolete materials.
Each of these do-it-yourself home improvement opportunities help to provide a homeowner with a unique possibility to save money, while increasing total home value.
BuildingChoice is a website created for Australian consumers in particular to freely access up to date information and prices on a wide range of building products and appliances. It features a Trades Directory to enable consumers to easily locate and contact the professionals needed to complete a building project ? from architects and interior designers to plumbers and plasterers.
These are the guys to see about maintaining your local singletrack mountain bike trails in British Columbia, Canada.? If you have the resources, find one in your local area and offer to help out.? Donations are nice, and all bike clubs will accept them, but what they really need more of are motivated individuals to assist in the hand work.? If you got two hands, a head, and love to use the trails in your local area, consider helping out.? I?m sure your local bike club will be happy to get you started.
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