bangla1: ফেব্রুয়ারী 2012

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Notice - Minyanville

Editor's Note: This article was originally published on February 25.
Don't Tax You, Don't Tax Me
Tax that Man Behind the Tree!

? Senator Russell Long, Democrat Louisiana (1918-2003)

Last week's letter on taxes drew more response than any letter I have written in years. (See Taking Steps Toward a Way Out of Debt and Deficits.)

Questions that were raised simply beg for an answer, and some of the replies were very thoughtful, well-written suggestions for alternatives. This week I am going to do something I can't ever remember doing, and that is to use the entire letter to involve and respond to my readers.

Let me begin by thanking all of those who responded, and to observe that every response I read was polite and courteous, even when aggressively disagreeing. Not every site on the Internet has such a civil discourse among its readers. I appreciate that. Next week we will return to All Greece, All the Time or whatever the crisis du jour is, although I am much more interested in China of late.

I will have to address the world's largest nation at some point soon. At the end of the letter, I provide some very interesting and fun links and a note on an upcoming webinar with investment legend Israel "Izzy" Englander. Now, let's zero in on taxes.

The Fair Tax

A rather significant and vocal number of you wrote in support of what is called "the Fair Tax," which is basically a national sales tax, suggesting it is a better alternative than a value-added tax (VAT). I should note that there are 70 members of Congress who have co-sponsored a Fair Tax bill, so this is not outside the realm of possibility. It also speaks to the possibility of a tax on consumption being politically feasible, which I will again address later.

I am going to use a longer, well-written reply from Roger Buchholtz of Kalamazoo, Michigan. I will only interrupt him a few times with a reply in brackets [?] and then add a longer reply at the end. Roger wrote:

Dear Mr. Mauldin,

I just finished reading your article "The Cancer of Debt and Deficits" and agreed with your conclusion that it is time for radical tax reform. Actually, what was radical was the adoption of the 16th Amendment in 1913, after our Founding Fathers had twice prohibited it in the Constitution.

I am delighted to see that you recognize that consumption taxes are less damaging to an economy than income taxes. Income taxes tax productive behavior (work, saving, investing, etc.), thereby reducing the return/reward for that behavior. They, in essence, punish people when they are contributing to society.

As you have apparently concluded, a simple, Flat Income Tax is not the answer. I agree, because it will remain neither for very long. It will just allow all the tax favors to be bought and sold all over again, which will exacerbate today's corruption of our representative form of government to the point that our representatives too often represent special interests rather than their constituents. [I am not opposed to a flat tax, as I will address below.]

In addition, the Flat Income Tax would only slightly reduce compliance and efficiency costs (as all records must be maintained and returns filed) and it would continue the practice of imbedding taxes in the prices of the goods and services that citizens buy. Today, an average of 22% of the producer price of all American-produced goods and services are taxes imbedded in the price. This practice of imbedding much of our tax burden in the prices of our products places American labor and business at a great competitive disadvantage with foreign labor and businesses. In essence, a Flat Income Tax would have no long-term benefits and could delay true tax reform for a generation.

[While I am not sure of whether it is exactly a 22% embedded tax cost, it is certainly high. There were several objections to a VAT because it would be a burden on businesses. I would note that ALL taxes are a burden. Others objected to a VAT as being a burden on consumers. As Roger points out, consumers are already paying a great deal in hidden taxes on what they purchase. Either the Fair Tax or a VAT can be structured to be revenue-neutral and eliminate the other embedded costs. What both proposals do is eliminate nearly all other taxes, including Social Security, which adds directly back into both employee and business income.]

Now, let's compare two consumption taxes: the Value Added Tax (VAT) proposed by Marc Sumerlin and Larry Lindsey in their book and the Fair Tax Act that is now before Congress with over 70 cosponsors and the subject of two best-selling books. Both proposals replace the current Internal Revenue Code and are revenue neutral. The Fair Tax (HR 25) replaces the income tax, Social Security & Medicare taxes, and death and gift taxes with a retail sales tax. [As does the VAT.]

Actually, Sumerlin and Lindsey's VAT and the Fair Tax have much in common, but the differences are critical.

Both proposals replace the current Internal Revenue Code

*Both are revenue neutral

*Both tax final consumption only once

*They have the exact same tax base, if they both have no exemptions

*Business to business purchases are not taxed

*The full amount of the tax is paid by the consumer

*Both improve US international competitiveness, as neither of them taxes exports, and are border-adjustable

How are they different?

The Fair Tax has a prebate, so that no individual pays taxes on their personal consumption up to the poverty level. This eliminates the perceived regressive nature of a consumption tax. The $100,000 personal exemption of their VAT serves a similar purpose, but everyone under their VAT will pay imbedded taxes that are even greater than they are today.

The Fair Tax collects the tax at the retail level, which is simple to understand and comply with. Only sellers of goods or services for final consumption (retail businesses) file monthly sales tax returns. This would reduce tax filers and compliance costs by about 90%.

The VAT, on the other hand, is collected from all businesses at every stage in the production process. Each business has to keep track of what taxes they paid on their purchase of inputs and subtract it from the tax they owe. This is called a credit-invoice system. It is complex record keeping and especially difficult for small businesses who don't have in-house tax experts.

The Fair Tax is transparent, the amount of the Fair Tax being clearly stated on the retail receipt. VAT retail receipts may state the rate of tax, but they generally do not state the actual amount of taxes paid. The visibility of the Fair Tax provides the natural restraint on the size and reach of government intended by our Founding Fathers.

European countries have tried to solve the perceived regressive nature of VAT taxes by creating all kinds of exemptions in attempts to make necessities tax-free. This opens the door for more and more exemptions, and vendors start gaming the system to qualify for the exemptions. These exemptions and gaming add to the already high cost of compliance under a VAT and encourage the buying and selling of tax favors, similar to today's corrupting trade in tax favors that occurs in the U.S. under our income tax system.

This combination of the Fair Tax Prebate (monthly payment to every legal household which offsets taxes paid on spending up to the poverty level, similar to today's personal exemption on our income tax return) and taxing ALL consumption at the same rate creates a consumption tax that treats everyone the same, is transparent, and is much simpler and much less costly to comply with. In addition, it eliminates the argument for exemptions, as all necessities are not taxed. That is the genius of the Prebate.

There is no evidence that the Fair Tax will encourage tax evasion via black markets or barter systems. In fact, the compliance rate for the Fair Tax, projected to be around 94%, is expected to be many times better than the 69% of the current tax system. Some of the reasons the Fair Tax will have a high compliance rate are:

Major corporations account for over 90% of all retail sales today, with 3.6% of corporations collecting 87.5% of all sales taxes (I don't think I'll be able to convince the clerk at Walmart not to charge me the tax),

Items most likely to be subject to barter are used goods, and used goods are not taxed by the Fair Tax,

Under an income tax or a VAT it takes only one individual to cheat on a tax return, but under the Fair Tax both the seller and buyer must cheat (Would you like to go to jail for me?), and

Because the Fair Tax reduces the number of collection points by over 90% (just retail businesses collect the tax) there will be considerably more audit capability by the government on those collection points.

With over $23 million in research on the Fair Tax, it is one of the most researched public policy issues in history. The many studies on its economic and social impact can be viewed at www.fairtax.org."

? Roger Buchholtz

I understand the philosophy behind the Fair Tax. Part of it is to get rid of the income tax and all the inequities that are built into the current tax code. And I like the fact that it is a consumption tax. Truth be told, if this is what came to the floor of Congress, I would be for it, over simply tinkering with the current system.

And with a VAT, one could use a "prebate" type of structure as well, to deal with the regressive nature of a consumption tax, or exempt food or other items, as many countries do with a VAT. What I wrote last week was not meant to be a detailed analysis but more along the lines of a general proposal. The current system is broken. Rather than trying to "fix" it, let's use the coming need for reform to truly restructure the Tax Code.

What About Those Who Will Not Vote for Any Tax?

The next response comes from Stanley Harrison:

John, How can we accept your current plan or any similar (Simpson/Boles) plan that requires compromise to implement when large numbers of Republican congressmen have pledged to vote 'no' to any tax increase? They will not compromise, yet the founders of this republic had to compromise. Are you going to campaign against them?

The short answer is yes. Not dealing with the deficit will cause so much economic pain that it is hard to get people to imagine it. That has to take priority over not raising taxes. It is not a matter, at least for me, of what is desirable, but of what is necessary. I would prefer a smaller government, lower taxes, etc. But unless Republicans manage to install far more members of Congress than seems likely today, that's not going to happen. Waiting until there is a train wreck to fix the track is not sound public policy.

What Should Seniors Do?

Bill Daugherty wrote:

One very large obstacle to the idea of VAT replacing income taxes would seem to be the seniors lobby. 'What? I paid taxes on my income all my earning life, and now you want to change to tax me on my spending life as well?' Getting from Here to There will always be a problem. No solution can be beneficial to all age and earning cohorts.

And David Oldham answered:

I think a VAT with exports exemption is a good idea. The point made in comments here about VAT hitting retired folk already hit by low savings returns is valid (I am in that category myself), but one has to ask the question, what do we older generations deserve for being instrumental or oblivious to creating such a mess for our kids and grandkids? We will all have to suffer the ultimate consequences.

David makes a very solid point. Borrowing from our children, which they must pay in the future, to enjoy our benefits today is not right, any way you look at it. And with a prebate, that should take much of the argument away.

Why Shouldn't Everyone Pay Something?

But that leads us to this note from Robert Dumper:
John, do you really mean 'If you make less than $100,000 you pay nothing'? I believe that one of the worst things you can do is to allow some people to pay no taxes at all.

Paying no taxes just leads people to believe that all the government provides is free. They have no incentive to limit what the government spends. Their incentive is to just take all they can. I believe that people earning less than $100,000 would make up over half the electorate. You can imagine what kind of political force they would represent. They would have no investment in the system. I think this would be a recipe for financial disaster. I guess the Bad News is that almost half our current electorate pay no income taxes today, and look what that has done for us.

Others wrote with similar concerns. A tax on only those making over $100,000 creates a large majority of people who would pay no taxes at all. I would reply that they would be paying a VAT. Under a consumption tax, everyone pays (although with a rebate/check for the lowest incomes, as I suggested).

Others argued that it will reduce consumer spending as it raises prices. I can understand the concern, but I think that misses the insidious nature of all the hidden costs on what we buy. Getting rid of those would offset much if not all of the rise in costs. And not paying Social Security and other taxes would increase income, to also offset the rise in costs.

Actually, Robert, it is closer to almost half of the country than you might think. The graph below from the Heritage Foundation came my way today (courtesy of Bill King, from a paper in England!). As of 2009, 49.5% of the population is not represented on a taxable return.

And this leads into Mira Awad's comment:

I like the idea of a progressive flat tax, similar to what some Republicans were proposing in the 1990s but without an exception for capital gains. Each household would get a large deduction for each person. They would pay 20-25% tax on the remainder of their income. (The rate would be set between 20% and 25% depending on how much money is needed, so I'm not sure of the rate.) No exemptions for anything else. It gets rid of that infernal mortgage tax credit that has jacked up the housing prices. It does so without making it impossible for families to pay their mortgages, because most middle class families will not be paying income tax (upper middle class will be).

? The Republicans should like it, because it puts a cap on taxes for the rich at somewhere between 20% and 25%. Democrats should like it, because it taxes income and capital gains at the same rate, partly repeals the Bush cuts in capital gains tax, and puts a floor on taxes for the rich. It also provides tax relief to the working class. Yes, someone would be paying more: upper middle class people who have big mortgage deductions now and the well-to-do who are paying less than 20% now.

This cures the basic unfairness in the American tax system, where 2 households of the same size and same income living next to one another in houses of the same value are sometimes paying wildly different portions of their incomes in tax, depending upon the source of their incomes and whether or not they have a mortgage tax break. One family can be paying 30% and another 10% while living under the same circumstances. Ridiculous. It solves the problem of Warren Buffett and his secretary. Perhaps Buffet is paying too little taxes, but no one has mentioned that the secretary's 30% tax rate is too high. (I don't know much about corporate tax structure, but it looks to me like the same flat rate could be applied to corporate income and capital gains.)

It is worse than you think, Mira. There are ways to defer large amounts of current income taxes using various strategies of taking current deductions and realizing the income over a longer period, if you pay enough taxes to make it worth doing so and know the right places to find that deferral. You can't avoid eventually paying the tax, but you can defer it for a longer time. And if you are paying a lot in taxes, it can make financial sense. And there are ways for those who own certain types of small businesses to shelter much more income than the traditional IRA or 401k.

One small example from my own past. If you are a publishing company for a magazine or newsletter, you can write off the costs of selling a subscription immediately but only have to recognize the income over the life of the subscription. The current subscription income (even if it is all up-front) goes on your books as deferred income, which, if you ever look at the actual accounting statements of publishing companies, can reveal a great deal about the real health of the business. Which is why there are large mail campaigns in the last quarter of the year, as it helps on current taxes. Eventually you have to pay, and woe betide the publishing company that sees its subscription base fall too fast, as taxes then come due with no income to pay them. But when you are growing? It can really affect your current taxes due.

If and when we clean up the tax code, there are a lot of things that need fixing. There will be a great deal of crying and gnashing of teeth by all sorts of industries, but no business should rely upon the tax code for its existence.

Comeback, America

My friend David Walker was the Comptroller General of the United States and head of the Government Accountability Office (GAO) from 1998 to 2008. He now tours the country talking about the need for fiscal responsibility. He heads a group called Comeback America.

David points out that if you simply eliminated all the "tax expenditures" (tax deductions), taxes would go up $1.3 trillion a year. If you combined that with serious entitlement reform, a much lower tax rate (the lows 20s as the top rate), and did $3 in spending cuts for every $1 in tax increases, you could balance the budget for the foreseeable future. His website lists numerous tax and budget proposals, besides his own. He points out the necessity (and I wholeheartedly agree) to have bipartisan cooperation to avoid a fiscal disaster. He demonstrates that we have $75 trillion in unfunded liabilities in Medicare, Social Security, and pensions.

Actually, the number $75 trillion is not all that interesting to me, for the simple reason that we can't pay it. It will never happen. Far more interesting is the question, when will we realize we can't pay it and what will we do? Or maybe, what will we do when the bond market decides we can't pay it and begins to ratchet up interest rates? Unless we begin to get control of the deficit, we could face a very bleak future.

There are ways to get serious entitlement reform. The very conservative Congressman Paul Ryan and the quite liberal Senator Ron Wyden have combined to come up with a plan for reforming Medicare that goes a long way toward what is needed. And it has upset a lot of people serving in Congress with them. But such compromise and cooperation is precisely what must happen if we are to avoid a true crisis. Whether you agree with every small detail in their proposal, you should applaud their willingness to seek bipartisan solutions.

I get rather strong letters from my conservative friends chiding me for not "keeping the faith." What we need, I am told, is smaller government and less spending. But when I press them as to whether the path we are on will result in crisis, they almost always agree that if nothing is done we will see a severe crisis. So my next question is, do they think we should hold the philosophical line, or allow the country to fall into economic chaos?

I have spent much of my life holding that line. But my analysis is that without a deficit solution we will enter another depression that will take years to come out of. And waiting until one party or the other has total control of Congress and the White House is not the answer. We are getting to the Endgame. Time is running out. We have a few precious years to set the ship of state back on a better course. I would rather keep the ship from sinking than argue about what should be on the menu at dinner. We can worry about that when the leaks in the boat are fixed.

And for those who asked, I still think we will do the right thing. Cutting spending will have consequences. We should do it slowly (over 4-5 years), and that will mean a Muddle Through Economy with more risks of recession. I talk of dire consequences only if we fail to fix the deficit. I think the former outcome is more likely. If you don't share my optimism, then you should plan for a depression. And if we get to the end of 2013 and it is clear that no compromise is forthcoming, I will probably get much more concerned. Maybe even become downright gloomy. Just saying.

(And just for the record, the VAT as I outlined it, or a Fair Tax, or Walker's solutions would have me paying somewhat higher taxes, not lower.)

There are more comments, and you can go to my site and click on last week's letter to read them. But this letter is already getting long and it is time to hit the send button. And move on.

California, New York, Orlando, Conferences, and Webinars

First, let me invite you to join me on Wednesday, March 7 at 3:00 pm Eastern / 12:00 pm Pacific for an exclusive webinar conversation with one of the greats of the investment world, Israel "Izzy" Englander of Millennium Management, sponsored by my partners at Altegris Investments. We will discuss the current environment and how Millennium seeks to find opportunities within it. Izzy is an absolute legend of the hedge fund industry, managing over $12 billion with over 800 people on staff, using practically every strategy available. It is very rare to get Izzy into a session like this, and we will be in for a treat. Sadly, the regulations are such that you must have a net worth of $5 million. (I hate those rules. But we must follow them. We will soon be having webinars open to all!)

You can register for the webinar by going to my site and clicking on The Mauldin Circle. My friends from Altegris will make sure you get an invitation. (In this regard I am president and a registered representative of Millennium Wave Securities, LLC, member FINRA.)
I make a quick trip to San Diego on Thursday and then drive to Orange Country for dinner with my long-time friend Jon Sundt, the president of Altegris, who is there for a conference. We just don't get enough face time anymore, so when we can get to the same area, I like to take advantage of it.

Then back to Texas the next morning to write my letter, catch up, and then fly to New York for yet another quick trip. Orlando the following weekend, speaking at a conference with my coauthor of Endgame, the young and brilliant Jonathan Tepper.

I leave you with this link to just-some fun writing from my favorite muscle-head, former Mr. Universe, the Blond Bomber himself, Dave Draper. Dave writes a column every week, and I try to read it. It inspires me to get into the gym. And this week I really need it, because I have been slack since I tore my rotator cuff a few months ago and kind of used it as an excuse to avoid the gym and "let it heal." Can't do that. Dave got me all fired up again. I will get out my Bomber Blend, the best-tasting protein shake powder I have ever come across (I love the chocolate with a banana) and get back to Brother Iron, although with a little more restraint. As my doctor noted, I am not 50 anymore! Enjoy this here.

Time to hit the send button. It is not too late, so I will get to bed more or less on time for a Friday night/Saturday morning and then get up and go to the gym. Have a great week!

Editor's Note: This content was taken from John Mauldin's weekly E-Letter, Thoughts From the Front Line. See more at John's home page.

This entry was posted on Monday, February 27th, 2012 at 7:30 am and is filed under MV News. You can follow any responses to this entry through the RSS 2.0 feed. Both comments and pings are currently closed.

Source: http://m.minyanville.com/mv-news/2012/02/27/zeroing-in-on-the-fair-tax-concept-what-you-need-to-know/

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3 Leading Real Estate Marketing Trends That May Transform Your ...

Because this year has now begun, it?s now time to start preparing your real estate marketing plan for this year and beyond. Like quite a few have witnessed, this past year has introduced a great deal of changes and progressions with internet marketing techniques, which will continue to have a significant influence on campaigns for years.

Innovative real estate agents and brokers must consistently adapt to these shifts, as increasing numbers of clients rely on online mediums when looking for and selling homes. Considering that the future of our business resides almost completely in the hands of technology, it is crucial that every single real estate pro learns to pay attention to 3 major areas for their real estate marketing plans.

Long Live The King!

You probably have heard it before. It is all about content, content, content! Well, it is correct that this is still king, but it is in how well you use it that truly matters. Both human visitors and search engines have grown to be progressively more particular in regards to the quality of material that?s being presented, and rightfully so!

As experts, it is our duty to provide our potential clients with the very best and most advantageous information to assist them during their selling and buying process. Hence, it is important to not only send your clients content routinely, but also make sure that it is top notch. This builds rapport.

Let?s Be Friends

Using social media for your real estate marketing plan is another crucial component to having a successful year. As practically one billion users are presently on Facebook, it simply makes sense to focus on your local audience using Facebook pages. This is amongst the easiest paid tools out there.

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Lights, Camera, Action!

And finally, one chief area of real estate marketing which can easily be neglected by a large majority of real estate agents: video marketing. If you?re not, please make a point to start employing this asap. Not only will sellers be more willing to list with you, but you will also bring in more site visitors and gain better publicity.

This type of advertising also helps with lead capture, because folks love video tutorials and it helps to make your online advertising more personable. It is far too common these days to end up on a blog that offers little in terms of building a relationship, so this is certainly a significant one folks!

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Source: http://www.yomash.com/3-leading-real-estate-marketing-trends-that-may-transform-your-business-in-2012.php

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Feb. 25 Community Forum: Donate pens, pencils for schools; Commuter rail not the solution

By: Submitted letters | Statesville Record & Landmark
Published: February 26, 2012 Updated: February 26, 2012 - 11:29 AM

Please donate pens, pencils for schools

My sister and I volunteer one day a week at our grandchildren?s schools. I had extra writing pens and took them to one of the teachers, who was extremely appreciative. We often don?t think about these little things that are so important to many.

I have asked my brother, Bill Moore, if we could use his office as a drop-off location for new or used pens and pencils and any other supplies, such as erasers and highliters, you might want to give. The address is1823 Davie Ave.

We will have box set up inside the front door and will deliver these items to the schools once a week.

Thank you for helping our little people.

Pat Moore

Statesville

Commuter rail not the right solution

I am proud of the officials who turned down participation in a Red Line rail system from southern Iredell County to Charlotte.

One of the first things a job seeker should consider is how difficult and expensive it will be to travel to and from work. That?s called making plans, something very few people do today.

Perhaps the businesses that draw large numbers of employees who want to commute on the proposed Red Line route should set up a quick-route bus transportation system for their employees only. Several employers could partner to pay for it. Employer bus services would decrease the number of cars on the road during rush hour. But, alas. It seems both corporations and residents think the government should solve all their problems.

I lived and worked in Charlotte in 1959-60 and rode the city bus to and from work. It was a great system. Bus stops were located at reasonable distances in residential and business communities. With a little thinking, one could ride the city bus anywhere in Charlotte. The buses made their routes at times that made it easy to plan your day and they were on time.

Of course, I had to pay for the ticket. But, after all, it was my choice to live and work there.

Lana H. Davidson

Taylorsville

Source: http://www2.statesville.com/news/2012/feb/26/feb-25-community-forum-donate-pens-pencils-schools-ar-1974594/

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GameGrep: Sony Shafted Us All - Why I Won't Buy A PS Vita (yet) http://t.co/2Ky45sna

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Fish tank Short Good discounts Buy Commercial Real estate property?

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Colorado Gymnastics - Now Enrolling | Ezine Free Articles

Enrolling for Gymnastics classes would be one the best ways to exercise your body and stay fit. Colorado Gymnastics centers have the most modern facilities that will help you keep your body in shape and lose excess weight as well as burn calories. If your body has shown signs of fatigue, the best option would be taking some to rest and enrolling in a gymnastics class to help your muscles relax. Whenever you are starting out on any gymnastics exercises, the trained professionals there will help you come up with a comprehensive training and exercising program that is not too rigorous. However, as you progress you body will get used to the exercises and it will be simple to increase exercising hours as well as taking on more rigorous exercises.
Top Colorado Gymnastics centers also have provisions for children who have shown interest in gymnastics. If your child is also interested in accompanying you to the gym, you should look for Colorado Gymnastics centers with the necessary facilities as well as highly trained professionals who have experience in helping you children keep their little bodies in shape. You will realize that gymnastics classes for both the young ones and adults involve well rounded programs which consists of pre-school gymnastics classes, toddler or mommy and me classes, and competitive gymnastics training. These gymnastics training sessions will make provisions for the capabilities of each age group as well as the skill level of each trainee.
Therefore, the buck stops with you to decide which Colorado Gymnastics centers seem to offer the best programs for you and your young one. You can sample four to five gymnastics and choose the best after reviewing all the important factors. However, be sure not to let the cost of these services to override all other factors that you need to consider.

A Plus Athletics
7104 S. Dillon Court, Centennial, CO 80112
(303) 953-7320
Colorado gymnastics
Littleton gymnastics

Source: http://www.ezinefreearticles.com/colorado-gymnastics-now-enrolling/

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Romney Makes Ford Field Campaign Stop Ahead of Primary (ContributorNetwork)

[unable to retrieve full-text content]ContributorNetwork - GOP presidential hopeful Mitt Romney spent the day in Michigan on Friday, in an attempt to drum up more support ahead of the state's hotly-contested primary on Tuesday. Romney held his largest event of the day at Ford Field, where he spoke in front of the Detroit Economic Club.

Source: http://us.rd.yahoo.com/dailynews/rss/gop/*http%3A//news.yahoo.com/s/ac/20120224/pl_ac/11008526_romney_makes_ford_field_campaign_stop_ahead_of_primary

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শুক্রবার, ২৪ ফেব্রুয়ারী, ২০১২

Study Supports CT-Based 'Virtual' Colonoscopy to ... - Health News

THURSDAY, Feb. 23 (HealthDay News) ? Noninvasive, CT-guided ?virtual? colonoscopy is similar to standard colonoscopy in its ability to detect colorectal cancer and precancerous polyps in people 65 and older, a new study finds.

Virtual colonoscopy, also called CT colonography, uses virtual-reality technology to produce 3-D images of the patient?s colon and rectum. While preferred by many patients, its effectiveness in comparison with invasive colonoscopy has been debated. Patients using CT colonography must undergo a pre-procedure intestinal purge, similar to patients having a traditional colonoscopy.

The new findings, published online Feb. 23 in Radiology, support the effectiveness of CT colonography as a frontline colorectal cancer screening tool for seniors, according to the study?s authors.

The findings also come on the heels of two studies, published this week in the New England Journal of Medicine, that support the effectiveness of standard (invasive) colonoscopy in spotting colon cancer and saving patients? lives.

In the study, researchers led by Dr. C. Daniel Johnson, of the Mayo Clinic in Scottsdale, Ariz., conducted a secondary analysis of data collected in the American College of Radiology Imaging Network?s (ACRIN) National CT Colonography Trial.

That study of 2,600 people aged 50 and older compared CT colonography to conventional colonoscopy, which is still considered the gold standard. In findings that were published in the New England Journal of Medicine in 2008, CT colonography detected 90 percent of polyps measuring 1 centimeter in diameter or larger, which are most likely to become cancerous. The technique was also highly accurate in detecting polyps as small as one-half centimeter.

However, the U.S. Centers for Medicare and Medicaid Services has deferred coverage for CT colonography, primarily due to a lack of data on its effectiveness in patients 65 and older.

So, this new analysis of the data focused on findings from a subset of 477 participants aged 65 and older. These patients were much more likely than those younger than 65 to have large polyps ? 6.9 percent vs. 3.7 percent, respectively.

?Our goal in carrying out this secondary analysis was to determine if the accuracy of CT colonography to detect polyps of clinical concern in patients 65 and older is comparable to the test?s accuracy for the 50-and-over population studied in the 2008 ACRIN trial,? Johnson said in a journal news release. ?We found no significant difference in the screening exam?s performance between the two age groups,? he said.

However, two gastroenterologists familiar with the study findings were more cautious.

?Colonoscopy is still the gold standard and best test to detect polyps of any size,? said Dr Roshini Rajapaksa, a gastroenterologist at NYU Langone Medical Center and assistant professor at the NYU School of Medicine in New York City. ?While CT colonography is less invasive and does not require sedation, it still requires a prep ? what many patients feel is the worst part of standard colonoscopy ? and if a polyp is found by CT colonography, in many cases, the patient will need to get a standard colonoscopy to remove it,? she said.

Dr. David Bernstein, chief of the division of gastroenterology at North Shore University Hospital in Manhasset, N.Y. agreed that CT colonography may still not measure up to its rival.

?The current standard of care for the detection of precancerous polyps on screening standard colonoscopy is 25 percent, yet the authors report ?even if intermediate-sized polyps of 6 mm [0.6 centimeters] or larger were targeted for removal with standard colonoscopy, the colonoscopy referral rate would not exceed 12.6 percent,?? Bernstein said. This means that, ?when compared to standard colonoscopy, the authors are reporting a precancerous detection rate of CT colonography which is 50 percent less than that of standard colonoscopy.?

There is also the issue of cost. ?Costs of the two procedures are comparable but a direct head-to-head cost analysis has not yet been performed and will have significant regional variability,? Bernstein said. ?The cost of CT colonography must also include the cost of repeat colonic preparation and standard colonoscopy when abnormalities are found.?

However, study author Johnson calls CT colonography ?a perfectly viable colorectal cancer screening tool for the traditional Medicare-age population.? He also believes that, ?wider availability made possible by Medicare coverage of CT colonography would attract more seniors to be screened for colorectal cancer ? which is so successfully treated when detected early. Making CT colonography more available to seniors ultimately could save lives.?

For his part, Bernstein said that, ?while the CT colonography may have a diagnostic role in certain subsets of patients, it is too early to promote this technique for widespread colon cancer screening.?

More information

The U.S. National Cancer Institute has more about virtual colonoscopy.

? Robert Preidt

SOURCES: Roshini Rajapaksa, M.D., gastroenterologist, NYU Langone Medical Center and assistant professor, NYU School of Medicine, New York City; David Bernstein, M.D., chief, division of gastroenterology, North Shore University Hospital, Manhasset, N.Y.; Radiology, news release, Feb. 20, 2012

Last Updated: Feb. 23, 2012

Source: http://news.health.com/2012/02/23/study-supports-ct-based-virtual-colonoscopy-to-spot-colon-cancer/

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Hearings for starved Wis. girl's parents postponed (AP)

[unable to retrieve full-text content]AP - A judge postponed preliminary hearings for a father and stepmother accused of forcing the man's daughter to live for years in the sparse basement of their Wisconsin home and denying her sufficient food after they appeared in court Thursday without attorneys.

Source: http://us.rd.yahoo.com/dailynews/rss/crime/*http%3A//news.yahoo.com/s/ap/20120223/ap_on_re_us/us_teen_starved_wisconsin

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বৃহস্পতিবার, ২৩ ফেব্রুয়ারী, ২০১২

Legal Theory Blog: Feldman on Fallibilism & Legal Pragmatism

Heidi Li Feldman (Georgetown University Law Center) has posted Cardozo Not Holmes, Fallibilism Not Skepticism, Pragmatism Not Legal Realism on SSRN. Here is the abstract:

Philosophical pragmatism draws our attention to the significance of social practices of all kinds. It does not advocate any one way of construing a social practice; indeed, that sort of methodological unitarianism would be inconsistent with the pragmatist approach to understanding. What pragmatism teaches those interested in law and legal practice is that legal theory is not prior to legal practice; and that legal practices themselves should be the point of departure for giving any more generalized account of how the practice works.

Most previous legal scholarship on law and pragmatism misses the point about philosophical pragmatism's commitment to fallibilism rather than skepticism, and therefore fails to consider the significance of this shift for using pragmatism to understand legal practices, especially adjudication. This is highly evident in the conventional treatment of Oliver Wendell Holmes Jr and Benjamin Cardozo as both pragmatists. Using a representative decision of each, I argue that Holmes is more a radical skeptic than a pragmatist, while Cardozo works in true pragmatist fashion.

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বুধবার, ২২ ফেব্রুয়ারী, ২০১২

SEO Copywriting Uncovered | Briar Copywriting

Have you always been led to believe that SEO copywriting is a complex beast that only a few ?chosen ones? can master?

Well, it?s not that difficult so long as you remember one important thing, it?s still web copy, so it should be written primarily for your reader and not the search engines.

Yup, that?s right, your reader should be help aloft on a pedestal because they are far more important than the likes of Google.

Really?

Yes, really ? it is your reader who will buy from you, not Google. Granted, you have to get Google to like you a bit to make sure you appear in the appropriate search results, but good SEO copy won?t do that alone. To make that happen it has to be combined with good web design, link building and making sure your keywords appear in the correct places (if you?re confused by that one, any good SEO copywriter will be able to explain it to you ? if they can?t, you?re speaking to the wrong writer).

OK, back to SEO copy. In the bad old days it was decided that SEO copy should look like this:

I am a highly successful SEO Copywriter. I?ve been working with my SEO clients for many years providing them with SEO copywriting that really works. Through SEO copywriting my clients get great rankings and my SEO copywriting skills have been applauded the world over with my SEO clients being the first to recommend me. ?SEO is the way forward? said Jo, ?SEO helps my clients get in front of their customers. Without SEO copywriting many didn?t get great online sales but now I have worked on their SEO copywriting they are getting more traffic?

Urgh ? in the olden days that may have got a site ranked but it sure wouldn?t get anyone to buy.

The sad thing is that there are still people out there who think this kind of things works. Well, if you write like that you?ll certainly get noticed, but for all the wrong reasons.

If you want your website to get ranked and you want people to read it and buy from you, here are a few things you need to bear in mind.

Getting your content read

1. People come first

When writing about a particular product, service or subject, your keywords will crop up naturally so there?s no need to stuff them in every single sentence.

Your writing has to be natural and focused on your reader, not your keywords. You have to engage them, interest them and encourage them to take the action you want (get in touch, email or buy).

2. Inject some interest

Once you?ve written your copy, if you go back over it and shoe-horn a few extra keywords into it, you?ll end up with something repetitive and boring. If the number of keywords was the secret to getting ranked, the world would be full of unreadable websites.

Write something interesting that will add value to your readers.

3. Boosting your onscreen SEO

The most important areas for your keywords are in your headings (H1 tags) , sub headings (H2 tags) and ALT tags for images.

Using plenty of headings and sub headings will not only help your SEO, it will also enhance readability as it breaks up your text and helps? the reader find the information they want.

4. Links

You should of course be looking to generate plenty of inbound links to your website. But don?t forget to link out too. If you?ve written an article and, during your research, you came across an interesting related article, link out to it and add extra value for your readers. Plus, it might also generate another link back to you.

5. Go natural

As mentioned at the beginning, being natural in your writing is the only way to go.

If you fill your copy with keywords, jargon and industry speak, you?ll turn off readers in their droves.

Write in simple language and in the second person because natural copy that?s easy to read will always beat keyword-stuffed ?poor excuse for SEO? copy every time.

'
'

Source: http://www.briarcopywriting.com/2012/02/seo-copywriting-uncovered/

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Ideas and Suggestions For Mezzanine Business Safety Entrance ...

Many accidents in alternative workplace surroundings occur on account of improper eye ball safety, whether for the reason that worker ended up being wearing the actual improper essential safety eyewear and also not using eye protection in the slightest. Their essential role may be to help within controlling movements of men and women and physical objects. Many very best manufacturers of such gates are present today. It protective headgear made standard knowledge that electrical cords have restraints.

In 2009/10, there has been 1,479 non-fatal huge injuries for you to ?Process, workplace safety and Product Operatives? documented. This figure makes up about around 21% of non-fatal huge injuries documented.

Minor inhalation experience of Perc (Perchloroethylene) originating from a grease clean causes employees to become dizzy, sleepy, and uncoordinated while cooperating with heavy processing equipment. This puts a stop to legal measures while continuing to keep your office staff protected at work.

?In england it is recommended to be aware how the responsibility designed for managing the actual potential associated risk of asbestos commercial homes lies utilizing whoever is answerable to maintaining the actual building,? indicated eminent blogger Brandy Tate. It will never be possible to totally eliminate the importance for one on one human involvement in kept space cleanup. This kind of a gate is principally for curbing the movement of men and women, cars besides other elements thru reserved sections. In these cases it is needed for a tuned expert for you to enter the actual confined space in an effort to carry released the cleanup operation. Identification and also assessment associated with hazards is actually a basic aspect in the toolbox of each one safety specialized. There happen to be varies varieties safety sensors possibly break-a-beam sensor, these happen to be triggered every solid laser beam gets cut off by an item, therefore concluding off electrical power, or starting whatever essential safety response. Consequently, safety professionals will be able to walk directly into any marketplace, dig within his/her tool kit and apply the normal principles associated with risk test.

Industrial floors cleaning is mostly performed by means of specialized equipment that may be driven by a trained operator. They are of help for work workers, for terminal transfer workers arranging the runways and for everybody people in high-noise locations. Any job that may be done open air, at event, or in different low light work place requires having high rankings work utilize and gear. Environmentally friendly Chemicals Possess Many Manufacturing Uses.

Source: http://www.pornomotora.net/ideas-and-suggestions-for-mezzanine-business-safety-entrance-installation/

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মঙ্গলবার, ২১ ফেব্রুয়ারী, ২০১২

Garlic bread pasta - Picturing Food & Drink! - LiveJournal

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Today on New Scientist: 20 February 2012

Gecko-like tape holds up 42-inch TV

Watch a new reusable adhesive, inspired by the structure of gecko feet, support a heavy object

Ocean exploration, from empire to empirical

The Espa?a Explora. Malaspina 2010 exhibition shows off cutting-edge oceanic research next to its 200-year-old legacy

Dingoes in the dock

Australia's apex predator could finally be officially blamed for an infamous child killing. Time to rethink conservation efforts, says Adrian Franklin

'Sprinting' chips could push phones to the speed limit

Short, coordinated bursts of high-speed computing could speed up smartphones by a factor of 10

Life as a bird

Ever wanted to get a bird's eye view on life? In Bird Sense: What it's like to be a bird, Tim Birkhead gives readers a pretty good idea of life on the wing

Harnessing the quantum power of empty space

The elusive Casimir effect suggests we could use vacuum energy to move objects and make stuff - but can something really come from nothing?

Snakes use sponge action to drink

Some snake species may use skin folds in their lower jaw like a sponge, to soak up water and ferry it into their gut

Single atom transistor gets precise position on chip

A phosphorus atom precisely positioned within a sheet of silicon could one day be a building block for traditional or quantum computers

How fresco-wrecking salty towers build themselves

Tiny coral-like formations of salt sometimes sprout up on brickwork, and now researchers know why - which could help save delicate frescoes

Gloves let you sing a duet with a wave of your hand

A pair of musical gloves that manipulate computerised sound can be used to create an unusual duet

Social media's moment will pass - but when?

The history of technology suggests that pioneers can easily find themselves without an audience. Facebook has got its timing right - so far

Prune bad brain wiring with magnetic pulses

Zapping the brain with a weak magnetic pulse can wipe out unwanted neural connections implicated in schizophrenia and autism, in mice at least

Underground oasis found below Earth's driest desert

A thriving community of microbes flourishes two metres below the surface of Chile's parched Atacama desert - the news bodes well for the chances of Mars life

Bird flu research to be published in full

Flu experts say the benefits to public health of publishing what makes the H5N1 virus transmissible outweigh the risks of bioterrorism

Source: http://feeds.newscientist.com/c/749/f/492992/s/1ccb7e4d/l/0L0Snewscientist0N0Cblogs0Cshortsharpscience0C20A120C0A20Ctoday0Eon0Enew0Escientist0E20A0Efebr0Bhtml/story01.htm

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সোমবার, ২০ ফেব্রুয়ারী, ২০১২

Yes, the LG Optimus Vu is big

Here's another shot of the LG Optimus Vu -- the Korean manufacturer's upcoming 5-inch Android smarpthone with a 4:3 aspect ratio -- that we'll get to see up close and personal next week at Mobile World Congress in Barcelona.

Look, we know it's big, just like the Samsung Galaxy Note. Anything with a 5-inch screen is gonna be large and in charge. But here we get a great look at how that 4:3 aspect ratio shows how the display is wider than what you're probably used to. You almost certainly won't be one-handing this bad boy.

But we're certainly going to try next week in Barcelona. Stay tuned.

Source: @visitken

Source: http://feedproxy.google.com/~r/androidcentral/~3/gLTihAG1npY/story01.htm

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Review of the Awareness in Actively Playing a Home-Based Video ...

Plenty of good reasons that an individual might want to play a web-based recreation. Most of these folks are seeking a method to escape reality. Games provide people with the ability to relax and acquire lost with an substitute market. You will discover games of each type and elegance for you that wants to play.

If an individual likes combat style games there are several options to select. Younger demographic is more probably be in to the combat form of game. That is changing however over the past several years as young adult men increasingly becoming into your idea of playing this form of game.

Sports fans are very mixed up in on the internet world. Many sports fans find nothing greater than having the ability to contend with the other online of their favored sport. There are also areas where folks record statistics and also other vital information. That is a hobby that?s growing to a small globally phenomenon.

You will find game titles that happen to be specific toward the background music customers. Often people link up music relevant video games and find out who is able to take part in the preferred virtual guitar. This is turning into popular while using play auditoire, and brand-new audio are often downloaded almost and maintain job security because of these video game titles.

Younger kids also provide the chance play computer games on the web. You will discover era-suitable video games which might be played with the younger generation based on their interests. Numerous tv set networks offer activities that are household-hospitable to ensure that youngsters do not feel excluded from the enjoying process.. These activities can be incredible informative fun for the whole spouse and children to experiment with with each other. This really is something which is going on in many households around the globe.

Just about the most popular kinds of games could be the role-playing recreation. People love the chance to solve puzzles and move on to different levels. This is a hobby that?s grown into a worldwide satisfying activity. Most people of every age group play these types of games. Many players plays all day at a time without disturbances.

Occasionally if a person doesn?t need a relevant video gaming system they are able to play flash adventures in opposition to their pals. A flash game is usually a chance visitors to play a sport that really needs no extra investment. This can be of great help for people who do not possess a lot of money to buy gaming systems. Flash video games became popular in the last decade once the activity of computer programming was easier for those to buy.

Nearly all company can have a video game they enjoy. People now are in an incredibly technology-based world, and therefore are trying to find something to entertain themselves. Online games provide hours of clerc pleasure as well as escape from the troubles on the real-world that sometimes folks don?t desire to handle. It appears that every generation gets more involved in the games leisure activity.

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Source: http://www.ps4e.com/entertainment/review-of-the-awareness-in-actively-playing-a-home-based-video-game.html

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রবিবার, ১৯ ফেব্রুয়ারী, ২০১২

US Capitol bomb plot arrest capped yearlong probe (AP)

[unable to retrieve full-text content]

AP - Within the last week, authorities say, Amine El Khalifi's plan to wreak havoc was proceeding as hoped: An al-Qaida associate handed him an automatic weapon to kill security officers inside the U.S. Capitol. A bomb-laden vest would detonate the building. He would die as a martyr.

Source: http://us.rd.yahoo.com/dailynews/rss/topstories/*http%3A//news.yahoo.com/s/ap/20120219/ap_on_go_co/us_capitol_arrest

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শনিবার, ১৮ ফেব্রুয়ারী, ২০১২

Do You Need Irs Tax Relief?

By: Pierce m Richards

We have all feared in the back of our minds the IRS Tax Dilema: what happens if you can't pay the taxes you owe. Admit it, you have worried about that at least once in your lifetime.
Should you find that you cannot pay your income tax bill, don't panic. It may surprise you to find many options available to you. Despite the image that the IRS is the Evil Empire, it is not in their mandate to hound taxpayers and drive them into bankruptcy. It is in the government's best interest that taxes are collected and that taxpayers are allowed to lead productive and happy lives. However, there are a few factors that you need to keep in mind when it comes to income taxes and tax debt.
First off, the IRS has ten years to collect back taxes from the assessment date. However, there are certain events that can occur that can extend this time period, such as bankruptcy. You must find out, either from a tax attorney or the IRS, if you have unpaid back taxes, the amount of those taxes, and the applicable date that they expire.
An Offer in Compromise (OIC) could solve your tax problem. While usually filed by a tax lawyer, an individual taxpayer can work with the IRS to file on OIC. The offer requires the taxpayer to prove that he or she will not be able to pay the full back taxes over four or five years even if the IRS forced a sale of all assets belonging to the taxpayer. Just like other available options, an offer in compromise can only be accepted if a taxpayer has filed all of his or her back tax returns. Just like an Installment Agreement (or a credit card), an OIC will only be accepted once a taxpayer has prepared and filed all of his or her tax returns.
If you cannot afford to make any payments on your IRS back taxes you may qualify for "Currently Not Collectible" status with the IRS. To qualify for Currently Not Collectible status you must prove (among other things) that your monthly income is less than your monthly living expenses. Currently Not Collectible status requires the taxpayer to disclose all of his or her financial information. The IRS is normally only willing to consider Currently Not Collectible status once a taxpayer has filed all of his or her tax returns. Taxpayers have many solutions available to them, but most don't know what they are or how they can qualify for them. Honesty with the IRS and your tax attorney (if you use one) is critical in your quest to find tax relief from the IRS.

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www.irstaxrelif.biz

Article Originally Published On: http://www.articlesnatch.com

What Are Payday Loan Lenders And Where Can You Find Them? By: Leo Kingston | Feb 18th 2012 - The reason there's no requirement for a credit check or collateral is because payday loan lenders have your next paycheck as their security. They know the short term loan will be repaid on the date of your next paycheck, and that is the ...
Update Your Knowledge About No Down Payment Auto Insurance By: Joe Maldonado | Feb 18th 2012 - The rules and regulations in western and European countries clearly states that each and every car owner is bound to purchase auto insurance before taking his car on the roadside and no down payment auto insurance is the most appreciate ...
Best Places To Sell Gold By: terry j Bell | Feb 18th 2012 - In this time of economic uncertainty, when unemployment is high and the stock market nauseating, one particular thing has continually elevated in value and that is gold. Locating the best places to sell gold has become far more critical ...
Replenish Your Coffers Quickly With Payday Loans By: Andrew Scherer | Feb 18th 2012 - With increasing financial constraints, payday loans have become very common these days but one must understand the actual meaning of payday loans.
Pay Check And Money Shop Financial Loans By: Byron Dyson | Feb 18th 2012 - An overview on pay day loans
How To Find A Lender Who Makes Same Day Cash Loans By: Leo Kingston | Feb 18th 2012 - Be sure you thoroughly understand a lender's system before you fill out applications online or in person. Don't make assumptions about the process that may inconvenience you when you are applying for same day loans.
Finance Bouquet Of Great Multi Dimensional Features By: John martin | Feb 18th 2012 - The financial scene in UK is fast changing with new breed of lenders initiating moves that are bound to create new landmarks and customers are going gaga over them.
Texas Health Insurance Mandate For Heart Tests By: Wiley Long | Feb 18th 2012 - Two years ago, Governor Rick Perry of Texas signed into law an insurance mandate covering controversial tests for heart disease. Will this move motivate people to get Texas health insurance?
Resolution To Repair Bad Credit In 2012 By: Suzy Vanstrusen | Feb 18th 2012 - Offers for different types of credit repair solutions are usually prevalent on the market. The simple truth is you can do certain actions to enhance bad credit all on your own. You don't need to pay an agency to assist you resolve your ...
12 Month Loans For Bad Credit: Your Previous Defaults Cannot Create The Barrier For You By: Toom Thomas | Feb 18th 2012 - 12 month loans for bad credit are full of varieties of beneficial traits. Its multifariousness is a plus point for common people.

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Bad Credit Payday Loans - New Offerings For People With Bad ...

Article Directory :: Finance & Investment Articles

Together with the rise of high technology and modernization, more and more people find themselves in a difficult financial situation. There are some habits that are very hard to break and some habits may destroy a person's chances of a successful loan application.

Having a bad credit history does not only involve one missed bill payment, it means that the person has missed several deadlines and, basically, has a bad habit when it comes to payments and other money-related problems. When applying for a loan, most, if not all, banks ask for a person's credit history. Not only that, but most banks ask for collateral before approving any kind of loan - no matter how small or big the sum of the money involved is.

But most people who have bad credit history are either the ones who need money the most or unbanked and cannot really borrow from the bank. When lending companies realized this, they started to offer a loan designed for unbanked citizens or citizens with bad credit. The payday loan online do not only cater to the needs of those who have bad credit history or those whose bank accounts have been closed, but even those who have a reliable bank account can benefit from it. Bad credit payday loans are basically a more lenient fax less payday loan. The application process is almost the same but instead of declining the forms of people with bad credit, in a bad credit payday loans application, they are the priority.

It is very easy to apply for payday loan online. The person just has to find a website that suits him. There are many search engine sites that are dedicated to search the internet for a good online lending company that will cater to the needs of the applicant. If he has narrowed down his search, there are other websites that compare the interest rates each company has to offer. If, finally, the applicant has chosen a company, he can now fill up the application form. Just like any other application forms, he will be asked to submit his name, mobile and home phone numbers, and other contact information.

The employment status will be asked as well - identification numbers may be required. The applicant should be able to give the date of his next payday and his bank account number. He will not be asked to submit his credit history; instead, the only thing he needs to give is his bank account number and his type of account. The money, once the application is approved, will be directly wired in the account the applicant supplied.

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