Thursday, January 24, 2013

Ryan and Rylan receive letters from home | Total Big Brother

DAY: 22 Ryan and Rylan receive letters from home

As a reward for making the final, Big Brother treated Ryan and Rylan, the only remaining housemates no to have received them already, their letters from home.

As the final five celebrities left in the house gathered on the sofa?s last night following the evictions of Frankie and Tricia last night, Big Brother had a special surprise for two of the housemates.

?The hatch is now open for one hosuemate to collect Ryan and Rylan?s letters from home,? he announced as the group clapped and cheered.

A relieved-looking Ryan chose Razor to read his message, who joked as he opened the letter up: ?Hi Ryan, that Razor Ruddock is the best man I?ve ever seen, please everyong vote for him!?

The Neighbours actor then discovered how in his time away daughter Erin has learnt to tell the time, while son Jack was annoyed Rylan and Frankie had sent his dad to the basement on launch night. His wife advised him not to worry about getting everyone to like him as their are many personalities in the house, and praised him for staying true.

?What a great family you have,? Heidi told Ryan at the end.

Rylan then chose Claire to read his letter aloud. His family told him he?d been entertaining in every task, but did ask the X Factor singer not stop swearing. Claire then broke into tears as she revealed an addition to his family, with the baby being born safe and well.

On Tuesday, Ryan expressed his sadness at not receiving a letter and how continually being asked by Big Brother how it felt not to have one was getting to him.

Are you pleased all of the final five have now got their letters?

Stick with TBB, and leave a comment below...

Source: http://totalbigbrother.com/news/ryan-and-rylan-receive-letters-from-home.tbb

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Writing Belle: What's in a YA Book, Thematically Speaking?

Writing Belle: What's in a YA Book, Thematically Speaking?

What's in a YA Book, Thematically Speaking?

It's been interesting?to watch YA books progress over the years and change into what it is today. And what is it? Basically, YA is anything that is suitable for ages 12 and up. It usually focuses on an adolescent or a young adult (High School, people!), and the thematic material you'll find inside a YA book is going to be considerably mild compared to that of an "Adult" book.?
Or is it??
Young Adult is a lot more "Adult" than it used to be. I've seen books about teenage pregnancy marked as YA. But Percy Jackson and the Olympians Series is also?YA. There is a mammoth jump in age appropriateness here - one is a lot closer to adult than the other, yet there they are, both classified as YA (12+). Lately I've been finishing up Pushing the Limits, by Katie McGarry. She is, by the way, an amazing author and a very talented storyteller. But if I had a dollar for every time her male lead dropped the F-Bomb or indulged in a sensual mental fantasy that would be better left unwritten, I'd have a lot of pocket change right now. It's a wonderful story and I ADORE romance, but I'm just pointing out:
YA is becoming more and more "Adult."?

The edginess factor that's popping up in YA books is a growing trend, and yet the bestselling novels are still stories like, The Hunger Games?or Tiger's Curse. None of those are sexually graphic or laced with profanity by any stretch. I'm not?dissing the use of those elements, either. I'm a writer - I understand that certain characters have to say and do certain things to be real. The male lead in my own novel swears, too! Sensuality is?a part of romance. All I'm saying is, I'm seeing the line between YA and Adult literature blur. As an adult, I'm reading YA that can be insanely intense and very?graphic. I walked into Barnes & Noble the other day and saw a book in the YA section that would have been better suited for an R-rated Only section of the bookstore.?

My point is, I love?Young Adult fiction. Adore it. My shelves are stocked with so much YA that I could start a library in my bedroom. It just worries me that we feel like we have to inject such incredibly graphic stuff into a story to make it realistic. We don't.?
A good story will sing all by itself - and best?by itself.??

Source: http://writingbelle.blogspot.com/2013/01/whats-in-ya-book-thematically-speaking.html

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Target Date Funds Don't Guarantee Retirement Success | The ...

A recent article in the Wall Street Journal professional edition was entitled??Target? Funds Still Missing the Mark. The premise of the article was that Target Date Funds were falling short in their investment returns and were doing nothing to help 401(k) participants regain some of the ground they had lost during the 2008-09 stock market decline.? Another Wall Street Journal Article in early 2011 cited an Alliance Bernstein survey of 1,000 workers which over half ?mistakenly believed that using target-date funds would guarantee that their retirement income needs will be met.?

As both a financial planner working with individual investors and as an advisor to several 401(k) plan sponsors I find this survey result appalling and disturbing.? Moreover, it reinforces my concerns that 401(k) participants as well as some plan sponsors really don?t understand the pros and cons of Target Date Funds.

The fund companies offering them would be the first to tell you that there is nothing guaranteed about TDFs. There is a growing movement within the retirement plan space to add guaranteed-income products to Target Date Funds, but this won?t guarantee retirement success either.

Is a Target Date Fund the right choice for you?

The key to determining if a Target Date Fund is the right choice for your retirement savings is to understand them. ?If you are considering a TDF for all or part of your 401(k) account or as an investment in general, here are two things to consider:

  • Target Date Funds from various providers with the same target date may vary widely as to their asset allocation and investment approach. There is no requirement that a TDF with a given target date have any particular allocation to equities, fixed income, etc. ?The fund with the target date closest to your intended retirement might not be the best fund for your needs. As with any investment, you need to look at the fund?s investment allocation in light of your financial goals, risk tolerance, etc. You should also look at the fund as a part of your overall portfolio if you have investments outside of your retirement plan, such as IRAs, taxable accounts, a spouse?s retirement plan, and the like.
  • Many Target Date Funds are funds of the mutual fund company?s funds. This is the case for Vanguard, Fidelity, and T. Rowe Price, which collectively have about 80 percent of the TDF assets. This is not good or bad, but you should take a look at the funds that make up the TDF that you are considering. In some cases, I?ve seen fund companies use funds other than what I consider to be their top funds; perhaps they are looking to add assets to these funds.

Target Date Funds gather a huge amount of assets for the fund companies offering them, both as a component in many 401(k) plans and as a rollover vehicle when participants leave their employer.? Remember your investment choices should be all about you and what?s right for your situation.

Most of all, remember that the biggest single determinant in retirement success is the amount saved. If you start early, save as much as you can, have a financial plan in place, and make good investment choices, you will give yourself a good shot at accumulating enough to fund your retirement.? There are no guarantees of course.

Please feel free to?contact me?with questions about 401(k) plan and about your retirement planning needs.

Check out?our?Resources?page for links to a variety of tools and services that might be beneficial to you.

Photo credit: ?Wikipedia

Source: http://thechicagofinancialplanner.com/2013/01/23/target-date-funds-dont-guarantee-retirement-success/

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Wednesday, January 23, 2013

3D sonar uncovers skeleton of Civil War battleship

Flora Graham, deputy editor, newscientist.com

Lead.jpg

(Image: James Glaeser/Northwest Hydro/NOAA)

Looking like the weathered skeleton of some ancient dinosaur, the rusting remains of an American Civil War battleship have been imaged in their underwater grave by 3D sonar.

The USS Hatteras sank during battle with the CSS Alabama in 1863, coming to rest in 17 metres of water in the Gulf of Mexico, 30 kilometres off the coast of Galveston, Texas. One hundred and fifty years later, the bones of the iron-hulled paddle-wheel steamship have been mapped by the US National Oceanic and Atmospheric Administration (NOAA).

NOAA made the scans after local underwater photographer Jesse Cancelmo noticed that recent storms had shifted some of the sediment and sand that covered the wreck. The main image above shows the curved tooth-like outline of the stern on the right. The paddle-wheel shaft stretches from the top to the bottom of the picture, where the remains of the port paddle wheel lie crumpled like the bones of a skeletal hand. More than half of the ship still lies beneath the seabed.

2nd-Image.jpgThis side-on view of the paddle-wheel shaft also shows the ship's broken stern in the distance (Image: James Glaeser/Northwest Hydro/NOAA)

"Most shipwreck survey maps are two-dimensional and based on observations made by sight, photographs or by feeling around in murky water while stretching a measuring tape," said James Delgado of NOAA's Office of National Marine Sanctuaries. "Thanks to the high-resolution sonar, we have a three-dimensional map that not only provides measurements and observations, but the ability for researchers and the public to virtually swim through the wreck's exposed remains and even look below the surface at structure buried in loose silt."

The Hatteras can't be disturbed due to its status as US navy property and a war grave - two of its engine-room crew killed in the battle with the Alabama are believed to lie buried inside the hull. This made the 3D sonar scan particularly well suited to mapping the wreck, because it's completely hands-off.

In 2002, NOAA raised the revolving gun turret from the USS Monitor, another naval icon of the Civil War.

Innovative scanning methods also recently revealed the ancient burial chambers under the earth mounds of Orkney, Scotland.

Source: http://feeds.newscientist.com/c/749/f/10897/s/27c8c623/l/0L0Snewscientist0N0Cblogs0Cshortsharpscience0C20A130C0A10C3d0Esonar0Ecivil0Ewar0Ebattleship0Bhtml0Dcmpid0FRSS0QNSNS0Q20A120EGLOBAL0Qonline0Enews/story01.htm

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Strong results from Google, IBM push stocks higher

(AP) ? Stocks are opening mostly higher on Wall Street following strong earnings reports from Google, IBM and railroad operator CSX.

The Dow Jones industrial average rose 45 points to 13,758 shortly after the opening bell Wednesday.

The Standard & Poor's 500 index was flat at 1,492. The Nasdaq composite edged up eight points to 3,151.

CSX beat analyst's forecasts for income and revenue in the fourth quarter, following a strong showing in the tech sector late Tuesday from Google and IBM.

Apple reports earnings after the closing bell.

In Washington, House Republicans are trying to come to a consensus on legislation that would avert a fiscal crisis, at least temporarily, by easing the government's borrowing restrictions for three months. A vote is expected Wednesday.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2013-01-23-Wall%20Street-Open/id-fe322e3731cd45dca835e70004b0510c

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After UN acts, NKorea vows to beef up nukes

SEOUL, South Korea (AP) ? North Korea swiftly lashed out against the U.N. Security Council's condemnation of its December launch of a long-range rocket, saying Wednesday that it will strengthen its military defenses ? including its nuclear weaponry ? in response.

The defiant statement from North Korea's Foreign Ministry was issued hours after the Security Council unanimously adopted a resolution condemning Pyongyang's Dec. 12 rocket launch as a violation of a ban against nuclear and missile activity. The resolution, which won approval from Pyongyang's ally and protector China after drawn-out discussions, also expanded sanctions against the North.

In Pyongyang, the Foreign Ministry maintained that the launch was a peaceful bid to send a satellite into space, not a test of long-range missile technology. But now, North Korea will "counter the U.S. hostile policy with strength, not with words," the ministry said, ominously warning that North Korea will "bolster the military capabilities for self-defense including the nuclear deterrence."

The wording "considerably and strongly hints at the possibility of a nuclear test," analyst Hong Hyun-ik at the private Sejong Institute think tank near Seoul said Wednesday.

A nuclear test would fit into a familiar pattern of defiance in Pyongyang. In 2006 and 2009, North Korea followed up rocket launches just weeks later by testing atomic devices, which experts say is necessary for development of nuclear warheads.

However, North Korea has a new leader, Kim Jong Un, who took over in December 2011 following the death of father Kim Jong Il. How he will handle the standoff with the international community remains unclear.

There was no indication Wednesday of an imminent nuclear test. However, satellite photos taken last month at North Korea's underground nuclear test site in Punggye-ri in the far northeast showed continued activity that suggested a state of readiness even in winter, according to analysis by 38 North, a North Korea website affiliated with the Johns Hopkins School for Advanced International Studies.

Last month's rocket launch has been celebrated as a success in North Korea, and the scientists involved treated like heroes. Kim Jong Un cited the launch in his New Year's Day speech laying out North Korea's main policies and goals for the upcoming year, and banners hailing the launch are posted on buildings across the capital.

Washington and its allies consider the long-range rocket launch a covert test of ballistic missile technology, and suspect Pyongyang is working toward mounting a nuclear warhead on a missile capable of striking the U.S.

North Korea claims the right to build nuclear weapons as a defense against the United States, which stations more than 28,000 troops in South Korea. The foes fought in the three-year Korean War, which ended in a truce in 1953 and left the Korean Peninsula divided at the 38th parallel.

Six-nation disarmament negotiations, hosted by China and aimed at offering North Korea much-needed food and fuel in return for dismantling its nuclear program, have been stalled since North Korea walked away from the talks following U.N. punishment for its 2009 rocket launch.

Since then, Pyongyang had indicated its readiness to resume discussing disarmament, and in February 2012 negotiated a deal with Washington to place a moratorium on nuclear and missile tests in exchange for food aid.

That deal fell apart when North Korea unsuccessfully launched a long-range rocket in April. In July, North Korea's Foreign Ministry issued a memorandum declaring that it felt forced to "completely re-examine the nuclear issue due to the continued U.S. hostile policy" toward Pyongyang.

Following Tuesday's Security Council resolution, North Korea's Foreign Ministry said it would rebuff any attempts to engage Pyongyang in disarmament negotiations.

"There can be talks for peace and stability of the Korean Peninsula and the region in the future, but no talks for the denuclearization of the peninsula," it said.

The Security Council demanded that North Korea abandon its nuclear weapons program in a "complete, verifiable and irreversible manner," and ordered the regime to cease rocket launches.

"Today's resolution also makes clear that if North Korea chooses again to defy the international community, such as by conducting another launch or a nuclear test, then the (Security) Council will take significant action," U.S. Ambassador Susan Rice said.

The binding resolution is the first in four years to expand sanctions against Pyongyang. It ordered the freeze of more North Korean assets, including the space agency, and imposed a travel ban on four more officials ? limited sanctions that target individuals and specific companies.

"We believe that action taken by the Council should be prudent, measured, proportionate and conducive to stability," Chinese Ambassador Li Baodong said after the vote.

The decision by China, North Korea's biggest ally and economic supporter, to approve the U.N. resolution ? including sanctions ? may reflect frustration on Beijing's part toward its neighbor, analysts said. In the past, China has vetoed applying sanctions for past provocations.

"China has limited influence with North Korea," Zhang Liangui, a researcher with the ruling Communist Party's main research and training institute, said in Beijing. "Beijing disapproves of any nuclear test or new missile launch, but there's not a lot it can do."

China's support for the resolution, with targeted sanctions, signals that it agrees that North Korea's launch was a test of its ballistic missile technology, but it is still trying to protect the ally.

"China is striking a balance here. It wants to punish North Korea for the latest launch and tell it not to undertake a new ballistic missile launch. But it doesn't want to put unbearable pressure on Pyongyang," said Shen Dingli, a regional security expert and director of the Center for American Studies at Shanghai's Fudan University.

___

Peter James Spielmann reported from the United Nations. Associated Press writers Hyung-jin Kim in Seoul and Christopher Bodeen in Beijing contributed to this report.

___

Follow AP's Korea bureau chief at www.twitter.com/newsjean.

Source: http://news.yahoo.com/un-acts-nkorea-vows-beef-nukes-052743745.html

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Monday, January 21, 2013

Agriculture ministers from 40 countries gather in Berlin. ? News ...

Agriculture ministers from 40 countries gather in Berlin. ? News | Economy ? Belteleradiocompany

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Agriculture ministers from 40 countries gather in Berlin.

The summit became the central political event of the "Green Week". The Belarusian delegation is headed by Deputy of Agriculture and Food Minister Vasily Pavlovsky. The "Green Week" is the only international exhibition of its kind devoted to the achievements of the food industry, agriculture, horticulture and food production. Belarus is traditionally represented by a collective processing plants exposition.?


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Source: http://www.tvr.by/eng/economics.asp?id=81712

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