Wednesday, February 20, 2013

Is It Better To Hold SFR Investments Inside Or Outside An IRA or ...

Absolutely it's ridiculous to compare a roulette wheel to investing in trust deeds. But not any more ridiculous than to refer to high yields without referring to risk. Risk is a player in every investment decision, whether that decision is a treasury bond, a house, a trust deed, or a roulette wheel.

So why does putting investment returns in the context of their risk offend you so much that you ask that I be ignored? I never said that trust deed investment was equivalent to the roulette wheel. I actually didn't know we were talking about trust deeds so I couldn't have been comparing the 2. My initial reference to risk was that houses can often yield a very low risk 8%. To which you responded that higher yields are possible. I agree, but without knowing the risk involved that's a meaningless number. Hence the obviously offensive reference to putting it on black.

Retirement savings is about getting good returns while balancing risk. There are always ways to rev up returns, but they involve increased risks. Maybe that increased risk is appropriate for a retirement fund, maybe not.

Stocking picking systems will promise huge returns if you follow the right guru. And real estate has more than it's share of prophets, all of whom for a fee will lead you to the Promised Land.

But without understanding the risks involved the promise of higher returns is meaningless. That was my only point.

Source: http://www.biggerpockets.com/forums/12/topics/83530-is-it-better-to-hold-sfr-investments-inside-or-outside-an-ira-or-401k

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Saturday, February 9, 2013

BASKETBALL POSTPONED TONIGHT; MAKE-UP SUNDAY | CSI ...

February 8, 2013

Due to Winter Storm Nemo, the College of Staten Island is postponing its regular season home finales scheduled for this evening at the Sports & Recreation Center.? The basketball doubleheader between CSI and John Jay College, originally scheduled for 5:30pm (Men) and 7:30pm (Women), will be moved to Sunday, February 10, with tip-off times scheduled for 12:00pm (Men) and 2:00pm (Women).

The contests will be CSI?s final home regular season games and will honor seniors Herschel Jenkins and Olivia Tierno.? The doubleheader also carries heavy playoff inplications.? A win by the CSI men in their final two games clinches the CUNYAC Regular Season Championship.? The CSI women could guarantee a first-round quarterfinal home game with a win over John Jay as well.?

Source:?CSI Dolphins

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Source: http://csitoday.com/2013/02/basketball-postponed-tonight-make-up-sunday/

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10 Things to Know for Friday

Your daily look at late-breaking news, upcoming events and the stories that will be talked about Friday:

1. EX-COP'S CHILLING JUSTIFICATION FOR CALIF. KILLING SPREE

"I never had the opportunity to have a family of my own," he says in an online manifesto. "I'm terminating yours."

2. BRENNAN: WATERBOARDING 'REPREHENSIBLE'

Whether or not it produces useful information, the U.S. should never waterboard anyone again, he tells a Senate panel.

3. HOW PEOPLE ARE PREPPING FOR THE NORTHEAST BLIZZARD

Diane Lopes visited a packed supermarket in Gloucester, Mass., to stock up on basic foods ? "and lots of wine."

4. IRAN'S CHARM OFFENSIVE IN EGYPT

Ahmadinejad reaches out to Morsi in hopes of forging an alliance that could remake the balance of power in the Middle East.

5. FEW DISPLEASED BY POST OFFICE CUTS

Even many seniors, who remember when mail was a lifeline to the outside world, say they can do without Saturday delivery, which now brings mostly bills and junk.

6. WHY YOU SHOULDN'T SWEAT THIS ASTROID FLYBY

Scientists promise the 150-foot-wide rock will be at least 17,100 miles away when it zips past next Friday.

7. APPLE FACES A REBELLION

An influential investor, Greenlight Capital, wants the company to stop stockpiling cash and give it to shareholders instead.

8. SOUTHERN FOODS LINKED TO STROKES

Blacks in the Southeast suffer more strokes than anyone else ? and fried meals and sugary drinks may be to blame.

9. OSCAR-NOMINATED SHORT FILM CARRIES AN AFGHAN BOY TO HOLLYWOOD

The coming-of-age movie is the 14-year-old's ticket to the Academy Awards. It'll be his very first flight.

10. WHAT'S MAKING RUSSIA'S PRESIDENT FUME

A year before the Winter Olympics, Putin can't abide the huge cost overruns in Sochi, the host city.

Source: http://news.yahoo.com/10-things-know-friday-103047600.html

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Professor discovers how new corals species form in the ocean

Thursday, February 7, 2013

Since the observations made by English naturalist Charles Darwin on the Galapagos Islands, researchers have been interested in how physical barriers, such as isolation on a particular island, can lead to the formation of new species through the process of natural selection. Natural selection is a process whereby heritable traits that enhance survival become more common in successive generations, while unfavorable heritable traits become less common. Over time, animals and plants that have morphologies or other attributes that enhance their suitability to a particular environment become more common and more adapted to that specific environment.

Researchers today are intimately familiar with how physical barriers and reproduction isolation can lead to the formation of new species on land, especially among plants and animals with short generation times such as insects and annual plants. Michael E. Hellberg, associate professor in the Department of Biological Sciences at LSU, however, is interested in a more obscure form of speciation: the speciation of animals in the ocean.

"Marine plants and animals can drift around in the ocean extremely long distances," Hellberg said. "So how do they specialize?"

In a recent publication in the Proceedings of the National Academy of Sciences, or PNAS, Hellberg and his graduate student Carlos Prada investigate how corals specialize to particular environments in the ocean. Corals, animals that form coral reefs and some of the most diverse ecosystems in the world, start their lifecycle with a free floating larval stage. Coral larvae can disperse vast distances in open water. Different coral species share similar geographical locations, with different species often existing only yards apart. As Prada and Hellberg propose in their recent publication, the large dispersal potential of coral larvae in open water and the proximity of different species on the ocean floor creates a mystery for researchers who study speciation. Hellberg and Prada ask, "How can new marine species emerge without obvious geographic isolation?"

When it comes to corals within the relatively small confines of the Caribbean, which spans approximately 3 million square kilometers, the key to the puzzle appears to be habitat depth in the ocean. In others words, natural selection has led to the formation of different coral species according to how deep in the ocean these different corals grow.

Prada and Hellberg study candelabrum corals of the genus Eunicea, generally known as "sea fans," for which sister species have been shown to be segregated by ocean depth. One sister species survives better in shallow waters, while the other is better adapted to deep waters. These corals, like other corals, are very slow-growing animals. In fact, sea fan corals don't reach reproduction age until they are 15-30 years old, and can continue reproducing until they are 60 or more years old. So while candelabrum coral larvae can disperse large distances from their parents, landing and beginning to grow in either shallow or deep water habitats, small differences in survival rates at different depths between the two species and long generation times can combine to produce segregation.

"When these coral larvae first settle out after dispersal, they are all mixed up," Hellberg said. "But long larvae-to-reproduction times can compound small differences in survival at different depths. By the time these corals get to reproduction age, a lot has changed."

The shallow water sea fan coral even has a different morphology than its deep water sister. The shallow water coral fans out into a wide network of branches, while the deep water coral grows tall and spindly. According to Hellberg, these differences in morphology might well be genetic, with the different corals having different protein structures and levels of expression that are better adapted to their specific water depth environment. Hellberg hopes in future research to investigate the genetic basis of these different morphologies.

In other interesting results, Prada explained how transplanting the shallow coral species to deep water environments, and vice versa, can cause the coral to take on a morphology more like that of its sister species.

"Their morphologies are not super fixed," Prada said. "But they can't change all the way to a different morphology."

Prada observed that while shallow water sea fans can become taller and more spindly when transplanted in deep water environments, they don't seem to be able to make a complete transition to the morphology of the deep water sea fan. This suggests that the two corals, while they likely had a common ancestor, have adapted genetically and biochemically to their respective water depths.

Prada did ocean dives in the Bahamas, Panama, Puerto Rico and Cura?ao to sample candelabrum coral colonies. Back in the lab, he performed tests on the coral samples' genes to determine how shallow and deep corals become genetically different.

"Normally, organisms are differentiated by geography," Prada said. "But these corals are differentiated by depth."

Prada and Hellberg's research provides new insights into how new species form in the ocean, a topic of relatively limited research as opposed to speciation of terrestrial organisms.

###

Original paper, visit http://www.pnas.org/content/early/2013/01/22/1208931110

Louisiana State University: http://www.lsu.edu

Thanks to Louisiana State University for this article.

This press release was posted to serve as a topic for discussion. Please comment below. We try our best to only post press releases that are associated with peer reviewed scientific literature. Critical discussions of the research are appreciated. If you need help finding a link to the original article, please contact us on twitter or via e-mail.

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Source: http://www.labspaces.net/126680/Professor_discovers_how_new_corals_species_form_in_the_ocean

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Sheriff Joe Raids Sporting Goods Company: Nabs 27 Illegals Using ...

sheriff_joe_swa_title

He?s known as ?America?s Toughest Sheriff?. But Joe Arpaio continues to show he deserves the moniker of??America?s JOBS Sheriff?.?Because every time Sheriff Joe conducts a raid, he frees up jobs for legal American workers.

And at a time when raids by the Immigration and Customs Enforcement (ICE) are almost unheard of ? Barack Obama has slashed workplace enforcement by a staggering 70% since 2009 ? Sheriff Joe and his department keep on working to crack down on illegal aliens in the workplace.

Today was no exception, as?Maricopa County Sheriff?s deputies raided?Sportex Apparel?in Tempe, AZ, ?a custom-made sports clothing and accessories company ? and arrested 27 illegal aliens, most of whom were caught using stolen or false identification.

In a seven-month long investigation, deputies learned that as many as 19 employees were using false or stolen IDs to work at Sportex, said Officer Christopher Hegstrom with MCSO.?After Friday?s raid, 23 illegals were arrested for ID theft. Four others were taken into custody for outstanding criminal warrants, totaling 27 arrests.

This was the sheriff?s 61st such sweep. In the previous 60 employer sanctions/identity theft operations, 100% of all suspects found to be committing identity theft to gain employment were illegal aliens.? Sheriff Joe?s office has? investigated, arrested on the? streets and in the jails over 79,000 illegal aliens.

?Illegal aliens are stealing identities of U.S. citizens to gain employment which escalates our unemployment problems. I? don?t? believe we should tolerate this. Furthermore, I will continue to enforce all federal and state illegal immigration laws in the business sector through human smuggling and crime suppression operations, despite activists and the federal government who may not like it,? ?said the Sheriff.

There is not yet indication whether some of the illegal aliens were using the social security numbers of dead persons, as has happened many times in the past, including ones of murder victims.

Arpaio said that one of the benefits of these employer sanctions/identity theft operations is that they open up job opportunities for legal citizens.

For critics who insist that illegal aliens only take the jobs that Americans refuse to do, we remind them of the example in the news report below, where legal workers of all ages and backgrounds lined up for jobs at three Phoenix-area restaurants, after a major Arpaio raid removed 200 workers there:

Way to go, Joe!


Sheriff Joe is under attack by the Obama DOJ and is now a target of a recall effort by La Raza forces in Arizona:
PLEASE CLICK HERE to Sign the Petition and Support this American Hero?

About John Hill

John Hill is the Executive Director of Stand With Arizona, one of the nation's largest organizations opposing illegal immigration and amnesty. SWA's members have been instrumental in passing legislation in states and counties around the U.S., and blocking the DREAM Act in 2010. Join us!

Source: http://standwitharizona.com/blog/2013/02/08/sheriff-joe-raids-sporting-goods-company-nabs-27-illegals-using-stolen-ids/

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Braxton, Osbourne and Jenners do Red Dress runway

From left, Kendall Jenner, Kris Jenner and Kylie Jenner attend the Red Dress Collection 2013 Fashion Show, on Wednesday, Feb. 6, 2013 in New York. (Photo by Charles Sykes/Invision/AP)

From left, Kendall Jenner, Kris Jenner and Kylie Jenner attend the Red Dress Collection 2013 Fashion Show, on Wednesday, Feb. 6, 2013 in New York. (Photo by Charles Sykes/Invision/AP)

Toni Braxton attends the Red Dress Collection 2013 Fashion Show, on Wednesday, Feb. 6, 2013 in New York. (Photo by Charles Sykes/Invision/AP)

Kelly Osbourne walks the runway at the Red Dress Collection 2013 Fashion Show, on Wednesday, Feb. 6, 2013 in New York. (Photo by John Minchillo/Invision/AP)

Jamie Chung attends the Red Dress Collection 2013 Fashion Show, on Wednesday, Feb. 6, 2013 in New York. (Photo by Charles Sykes/Invision/AP)

Gabby Douglas attends the Red Dress Collection 2013 Fashion Show, on Wednesday, Feb. 6, 2013 in New York. (Photo by Charles Sykes/Invision/AP)

(AP) ? Red isn't just a trend at The Heart Truth runway show, it's a tradition: The Red Dress Collection, modeled by celebrities to draw awareness to heart disease, has become the kick off to New York Fashion Week.

Minka Kelly, Toni Braxton, gymnast Gabrielle Douglas, Kelly Osbourne and Kris Jenner, with daughters Kendall and Kylie, were among those donning designer dresses and towering heels Wednesday night in front of an audience that largely put on their best red dresses, too.

It's the shoes that have many stars fearing they'll trip up. Actress Brenda Strong, who wore Marc Bouwer's draped cowl-neck dress, said her red spiky stilettos were the most intimidating part of the catwalk experience.

She had a little experience modeling, though. "In my last incarnation, when I was in college, I was a Miss America contestant. That was a long runway!" she said.

Kelly, wearing an Oscar de la Renta gown with an asymmetrical neckline and metallic belt, walked in last year's show and this time was tapped as the Heart Truth ambassador by sponsor Diet Coke. Her best tip as a runway veteran was to wear shoes with straps. They hold you in better, she said.

The catwalk isn't her favorite place to spend an evening, Kelly said, but it's for a good cause.

"This is all done with a sense of humor. It's fun. I don't fancy myself a model, but maybe the models aren't relatable if we're not perfect, so it works for me," she said.

Osbourne, with clashing purple hair, seemed as though she was having a good time, shimmying down the runway in her Zac Posen dress. Braxton wore a second-skin V-neck halter dress by Herve L. Leroux.

Douglas said she's become more accustomed to dressing up since returning from the London Olympics with her gold medals. "I feel like a doll in my dress," she said of her Pamella Roland gown.

She practiced her runway walk before going in front of the cameras and compared it a little to being on a balance beam, where one foot goes straight in front of the other.

"I am participating because of the heart health cause. ... I want young girls to think about it. I want to get the message out," she said. "My advice to them is to stay active, eat healthy."

The first Red Dress show was held in 2001 at the beginning of the National Heart, Lung and Blood Institute's campaign to reach out specifically to women. Models over the years have included Christie Brinkley, Heidi Klum, Liza Minnelli and Kim Kardashian.

___

Online: http://www.nhlbi.nih.gov/educational/hearttruth/

___

Samantha Critchell tweets fashion at (at)AP_Fashion and can be reached at (at)Sam_Critchell

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/bbd825583c8542898e6fa7d440b9febc/Article_2013-02-06-Fashion-Red%20Dress/id-81df3036d129435ca2382005123c7aa1

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