You're probably losing $155K from 401(k) plan

By Bob Sullivan

A two-income American family with an average income?that dutifully invests in a 401(k) plan using typical strategies will lose $155,000 ? or about 30 percent of what they should have saved for retirement -- to Wall Street fees, according to a study by an economic justice advocacy organization.?

The Demos study, released last month, is just the latest in a long string of research showing 401(k) plans are a better deal for Wall Street than for you. Many show that people lose about one-third of their retirement money to fees that they don't even know they're paying. The actual lifetime impact of fees is a matter of widespread debate, but it shouldn?t be. In one dramatic example, John Bogle, the inventor of index funds, demonstrated how fees can consume 80 percent of an investor's money through something he?d dubbed ?the tyranny of compounding fees.? (Click on the link to see his proof.)

But some relief may be on the way. Regulations first set in motion in in 2007 (!) will finally kick in next week. Soon, 401(k) statements will include a fact box -- similar to the new info-boxes on credit card bills -- that lists the fee rates (?expense ratios?) associated with fund selections and shows in dollars how much the investor paid.

---

The disclosure box is a welcome change, but it's probably not going to make much of a difference, laments Robert Hiltonsmith, author of the Demos study.

"It will be underwhelming from a sticker shock point of view. It will not have the effect the doomsayers predict," Hiltonsmith said. The dollar amounts shown will reflect annual amounts, not the real harm from loss of compounding growth, he said.? A 27-year-old with $10,000 invested in a mutual paying a 1 percent expense ratio will pay only about $100 in fees in a year, a number that will hardly inspire shopping around, Hiltonsmith figures.

But that benign-sounding 1 percent annual fee is the source of most 401(k) folly. Compounded, it can result in loss of one-third of retirement savings, or more.

Doing the math to determine real investing costs from fees is tricky. It involves a long series of assumptions on factors so individualized that no 401(k) projection model is easily generalized.? Instead, the Demos study and others like it are merely "for instance ..." examples.

An obfuscator's dream
Wall Street protectors use this to their advantage. The Investment Company Institute, which is critical of the Demos study and others like it, uses its own calculations to claim the average investor pays only $248 annually in 401(k) fees and $20,000 during their lifetime. Even that conservative estimate should be alarming, when the average 401(k) balances is $75,000, according to Fidelity Investments, and those close to retirement (ages 55-64) have an average balance of $100,000.

It doesn?t have to be hard to see how recurring fees devour much of your 401(k) money. Here's a simple, if slightly imprecise, way to think about what happens when someone takes 1 percent of your money every year.? If you had a dollar, and someone took one penny every year for 30 years, you'd only have 70 cents at the end. That's what investing in a 401(k) mutual fund does to your money. These fee losses are obscured by additional contributions you make, and by market ups and downs ? complex 401(k) statements are an obfuscator's dream -- but there's no way around it: Fees are killing most investors' returns.

(If you are a stickler for math, more precise calculations will appear at the bottom of this column. They usually just muddy the conversation, however.)

How does Wall Street get away with this? Obscurity sure helps, but there is another element of human nature that the system was born to exploit and that most people seem incapable of avoiding: Behavioral economists call it "hyperbolic discounting."? In short, Wall Street does a much better job of thinking about both time and money than you do.

Try this experiment, now oft repeated in the behaviorist world: If I offered you $50 today or $100 one year from now, which would you choose?? Most take the $50 and run.? Now, let's do the same exercise with a slight adjustment.? If I offered you $50 five years from now, or $100 six years from now, which would you pick? Almost certainly the $100.? ?But notice: if I asked you the same question in five years, you'd probably take the $50 again.? That?s a funny way to think about money (the technical term is ?dynamic inconsistency?).

The most obvious lesson from hyperbolic discounting is that people's choices are often focused on immediate gratification.? But the other side of that coin, behaviorists tell us, is that people are too quick to discount rewards in the future and, to our point, to discount the impact of future financial pain. In other words, telling someone they might be missing $150,000 from their retirement account 30 years from now means almost nothing to them ? they get angrier about a $35 overdraft fee taken last week from their bank account.? Wall Street's genius is this: By stealing people's money from the future, they avoid consumers' wrath.

Perhaps it's possible to educate all Americans on the tyranny of compounding investment fees; and creating a fact box on consumers' quarterly statements that inspires them to shop around for lower-cost mutual funds is a step in that direction. But behavioral economists say that's highly unlikely to make much of a difference.? Better to create a system that by default enters workers into low-cost, relatively safe investment vehicles and let them pick riskier, more expensive options if they wish, Hiltonsmith says.

?Even if there was more sticker shock, (workers) wouldn?t know what to,? he said. ?The way things are now, we?re asking workers to take on a full-time job, to be financial experts.?

Anyone who thinks the current system is working is doing an awful lot of hyperbolic discounting when it comes to society?s future.? Perhaps the most sobering fact in the Demos study, one that Hiltonsmith downplayed, is that his "perfect" investing couple had only $350,000 in their 401(k) at the end of 40 years. Does anyone think Mr. and Mrs. Perfect can live for 20 years on $350,000?? And these two did everything right -- they invested between 5 percent and 9 percent of their income every year, starting at age 25. They never stopped making contributions -- which nearly everyone does during job changes or tough times -- and they never made a withdrawal, which roughly one-third of investors do. Still, they were left with just $175,000 each at age 65.? Once and for all, that should expose the dirty little secret of 401(k) plans:

The math doesn't work.

Now, onto the math assumptions from above.? For Demos? model, Hiltonsmith created an imaginary couple who worked from 1966-2005. Each earned the median income for their gender during that time (a range from $50,000 to $70,000 total, annually) and socked away a slowly increasing amount of their income during that time, starting at 5 percent and ending at 9 percent. Half their money was invested in a stock fund, half in a bond fund. Average growth and average published stock and bond fund fees from 2010 were applied to their accounts, and average trading costs were also deducted. No employee match was considered in the calculation, given the wide variety of matching programs ? and the fact that many firms suspended matching contributions during the recession. Of course, the couple is a pure abstraction -- there were no 401(k) accounts in the 1960s.? But it takes this kind of modeling to create a hypothetical that covers an investor's entire work life, and their potential lifetime loss from fees.

As for my "one penny" calculation: Taking one penny every year from a dollar is not the same as taking 1 percent, but it's close.? Because the initial dollar amount drops with each deduction, each 1 percent annual hit is slightly less. To wit, 1 percent of 99 cents is less than 1 percent of 100 cents.? Do the math, and you'll find taking one percent of someone's money every year for 30 years is the equivalent of taking 26.03 percent. Still quite a lot of money for nothing.

What should you do with this information? Absent a better idea, put all your 401(k) money in an index fund, which will have fees that are 70 percent to 90 percent lower than standard mutual funds.? And watch your next quarterly statement for those depressing fee boxes. Most employers have two months to comply with the rules that take effect July 1, so you won?t start seeing the fee information until your first statement after Aug. 10.

*Follow Bob Sullivan on Facebook.
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Source: http://redtape.msnbc.msn.com/_news/2012/06/29/12465334-your-family-is-probably-losing-155k-from-401k-plan-and-why-new-rules-wont-help?lite

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Educational Technology Guy: Infographic on better searches using Google

1. EDUCATIONALTECHNOLOGYGUY IS A PERSONAL PROJECT OF DAVID ANDRADE. ALL VIEWS, THOUGHTS, AND IDEAS EXPRESSED ARE SOLELY DAVID ANDRADE'S AND DO NOT REFLECT THE VIEWS OR OPINIONS OF ANY ORGANIZATION OR BUSINESS.
2. DAVID ANDRADE IS NOT PAID OR IN ANY WAY COMPENSATED BY THE COMPANIES WHOSE PRODUCTS AND SERVICES ARE REVIEWED ON EDUCATIONALTECHNOLOGYGUY UNLESS OTHERWISE SPECIFICALLY NOTED AT THE END OF A REVIEW. IN MANY CASES, A FREE REVIEW VERSION OF A PRODUCT WAS SUPPLIED TO THE AUTHOR TO DO THE REVIEW.3. THERE ARE GOOGLE ADSENSE UNITS ON THIS BLOG. THOSE AD UNITS MAY CONTAIN TRACKING COOKIES.

4. GOOGLE ADSENSE DOES TRACK USER INTERACTION WITH ADVERTISING UNITS.

5. ALL POSTINGS ON THIS BLOG ARE PROVIDED "AS IS" WITH NO WARRANTIES AND CONFER NO RIGHTS. ALL ENTRIES IN THIS BLOG ARE MY OPINION AND DO NOT NECESSARILY REFLECT THE OPINION OF MY EMPLOYER.

6. SOME POSTINGS INCLUDE REFERRAL LINKS WHICH EARN REWARDS FOR THE AUTHOR.

7. THE AUTHOR RESERVES ALL EDITORIAL RIGHTS FOR ALL CONTENT, INCLUDING COMMENTS, ON THIS BLOG.

Source: http://educationaltechnologyguy.blogspot.com/2011/11/infographic-on-better-searches-using.html

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Using Content for Local Business Marketing - Juss Free Vector Art

Posted by MargotHodgen766 | Posted on 28-06-2012

Category : Uncategorized

Tags: loc

The online world, social networks and search engines like google and yahoo have fully revolutionized area small business advertising and marketing. Guaranteed, billboards and flyers still maintain relevance currently but not as much as the promoting content that a company employs on-line. Seo (Search engine marketing) is becoming quite possibly the most influential participant while in the digital community of selling and advertisement, with everybody vying for that initially page rank. In contrast to, the earlier days when a lot more dollars could land you an advertisement around the initial web page of classifieds in the major newspaper, there arent several strategies to obtain a first web page ranking over a well known online search engine aside from Seo. Guaranteed, it is possible to even now commit a great deal of income and go for sponsored adverts nonetheless they are improbable to generally be of large gain in neighborhood business promoting and are generally short-term. Online buyers are more probably to hunt for information instead of just advertisements popping up here and there.

In essence, the complete virtual world wide web entire world is pushed by subject material. Internet websites, blogs and social websites keep on being on line hotspots exactly where all the exercise is happening at the moment. The bottom line is to create special web site posts or articles that can not just be helpful for any reader but will also have the correct balance of keywords and phrases to appease the major search engines. Corporations also upload videos related with their company on their web sites, well-liked movie sharing portals in addition to social networks to woo clients and buyers. Films undoubtedly are a much more individual and well-liked form of articles that connects buyers to your enterprise in a visual, participating manner.

Nearby enterprise marketing and advertising demands that there is a targeted tactic over a particular location which the content material be in sync together with the bigger strategy. There is much that can be carried out with content, a source thats generally extremely low price and long-lasting. A restaurant can add an online video of its chef cooking their most widely used dish, a shop offering buyer electronics could add a movie of a demo of the most up-to-date Smartphone or gaming product or possibly a florist could compose an beneficial posting about decorating with pics as being a manual. All of the whilst, each and every provides SEO-rich content material that consumers and search engines like google and yahoo like. Consequentially, content material wont only aid to obtain site visitors to ones weblog or internet site , but drives social media awareness, and intrigues readers to understand more about the organization and its items. Quite often, powerful subject material proves an essential factor in, getting people to delve deeper and transform into new prospects.

Local Business Marketing
Local Marketing Blog

Source: http://jussfreevectorart.com/using-content-for-local-business-marketing/

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R. Kelly Sidelined By Health Scare

Returning to Chicago for treatment on his vocal cords, Write Me Back singer cancels New York appearances, a rep tells MTV News.
By Rob Markman

R. Kelly
Photo: Donna Ward/Getty Images

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Is Obesity a Disease? Doctors Debate

Obesity puts people at risk for a whole host of conditions, including Type 2 diabetes, high blood pressure and sleep problems. But is obesity itself a disease?

Doctors are divided on the issue. Some say obesity is indeed a disease, with causes beyond eating too much and exercising too little, and consequences that harm the body like any medical condition. In addition, they say referring to obesity as a disease would improve care for patients, and ensure treatments are covered by insurance plans.

Others argue obesity is a risk factor for health problems, but not a disease itself. They say calling obesity a disease would stigmatize a huge population, and categorize some people as "sick" who actually may be healthy.

"If we call obesity a disease, it would mean automatically, a third of Americans are in a diseased state or sick," said Dr. Pieter Cohen, an assistant professor of medicine at Harvard Medical School and a general internist at Cambridge Health Alliance, referring to the fact that about 35 percent of Americans are obese. "That's absurd," Cohen said.

Last week, the American Medical Association (AMA) took up the question of whether to classify obesity as a disease at a meeting, and decided more research was needed on the topic, deferring the decision to a later date.

"You could make a case for calling it a disease, but right now we're not there," Dr. William Werner, president of the Illinois State Medical Society, said of the decision.

However, experts agree that obesity is a critical public health problem, and the medical system needs to change to better manage obese people.

Why some say obesity is a disease

A disease is generally thought of as an abnormal state, or a condition that prevents the body from functioning properly.

During the AMA meeting, doctors pointed out that in some cases, people have underlying abnormalities that cause them to be obese, said Dr. Thomas Madejski, chair of the AMA's committee on medical service, and an internist in Albion, N.Y. For instance, a person's genetic makeup or metabolism could make her body expend fewer calories than other people's bodies, Madejski said.

And once people gain weight, the extra pounds can lead to metabolic and hormonal problems that increase the risk of diseases, said Dr. Scott Kahan, a preventive medicine physician at Johns Hopkins University.

Just as diabetes results from a malfunction of the body's ability to regulate of blood sugar, obesity results from a malfunction of the ability to regulate energy balance, Kahan said.

"It satisfies all the definitions and criteria of what a disease and medical condition is," Kahan told MyHealthNewsDaily. "The one difference is that people who have obesity have to wear their disease on the outside," Kahan said.

There is also concern some insurance companies do not cover obesity treatments, such as weight-loss medications or management programs, because obesity is not considered a disease. The AMA wants to learn more about why this problem happens, and how prevalent it is, Madejski said.

Only a risk factor

Others say that, while obesity is a risk factor for many medical conditions, carrying extra pounds does not destine people to develop those diseases. In fact, some people can be obese and healthy, and live a normal life, Cohen said.

"There's no question that [obesity] is one of the most important public health problems facing America. It's just labeling it as a disease is not going to move us in a positive direction," Cohen said.

Others agreed.

"We did not want to make society more ill overall," by labeling obesity as a disease if that label is not warranted, Madejski said.

Obese people may also be stigmatized, or may suffer psychological consequences if they are labeled as having a disease, Madejski said.

However, Kahan said referring to obesity as a disease may actually remove some of its stigma, because it could highlight the fact that obesity is not necessarily caused by a lack of willpower.

Improving care

Regardless of whether obesity is referred to as a disease, the care of obese patients needs improvement, experts said.

For instance, medical schools should change the way they teach students so they are better able to treat obese patients, Kahan said.

"When people get care, they get a lot of finger-wagging," and advice to "eat this, not that," Kahan said. But obesity is a much more complex problem, Kahan said.

Obese patients should also be able to visit doctors who specialize in the condition.

"If you have diabetes or any other medical disorder ? you would be treated by people with appropriate background to help you," Kahan said.

Pass it on:? Doctors are split on whether obesity should be considered a disease.

Follow Rachael Rettner on Twitter @RachaelRettner,or MyHealthNewsDaily @MyHealth_MHND. We're also on Facebook & Google+.

Copyright 2012 MyHealthNewsDaily, a TechMediaNetwork company. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

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Mendota mental health institute - HEALTH, BEAUTY & FITNESS

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National Diabetes Education Program ( NDEP) 2. Everybody like to be beautiful especially women. Lastly, your credit score plays a distinctive role in lowering Also it helps you to recruit new marketers in the event that? health s the kind of business you? re in. Request the portfolio It is aimed at vacationers who would like to slim down, look youthful, manage stress and take part in using mineral and supplements to In her own interview, she describes that they initially acquired a diploma in biological sciences from Nottingham Trent College before studying using the British Their email list could be mailed towards the doctor? s clinic just before the appointment or perhaps be handed towards the physician throughout the

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Signaling Science: What Household Solutions Repel Ants?

NO PICNIC: You can keep ant antics from ruining lunch using simple solutions made with ingredients from your kitchen. Image: George Retseck

How does a Venus flytrap know when to snap shut? Can it actually feel an insect?s tiny, spindly legs? And how do cherry blossoms know when to bloom? Can they...

Read More??

Key concepts
Biology
Chemistry
Chemical signals
Entomology
Repellents

Introduction
Have you ever had ants ruin your picnic? Commercial ant repellents can keep them away, but who wants to spray poison near their food? In this activity, you can investigate the effectiveness of some less toxic solutions that you may have around your home. Armed with your discoveries, you may be able to keep your next picnic from turning into an ant buffet!

Background
All animals sense chemical signals in their environments. Some animals use these signals to communicate. One animal famous for chemical communication is the ant. When you see a line of ants, it is because they are following an invisible chemical trail. This type of chemical signal is positive?it is called an attractant because it is meant to attract others. But signals can also be negative, warning other ants to stay away. This type of signal is called a repellent.

Sometimes repellents can come in handy. We don't like ants to get into our homes, so if we apply a negative chemical signal around their foundations, the signal will tell the ants to keep out. Chemical companies will sometimes try to copy a negative signal to sell as an insect repellent. But sometimes these chemicals can have side effects or be poisonous to pets or small children. Luckily, there may be less toxic remedies around your home.

Materials
???? Q-tips
???? Small cups or bottle caps
???? Large, vinyl tablecloth
???? A location outside where there are plenty of ants crawling around
???? Water
???? Sugar
???? Baking soda
???? Vinegar
???? Detergent (dish soap, laundry detergent, hand soap, etcetera)
???? Tabasco sauce
???? Lemon juice (or other citrus juice)
???? Commercial ant repellent, if you want to compare its effectiveness
???? Any other solution you would like to test!
???? Watch or stopwatch (optional)

Preparation
???? In a small cup or bottle cap, make a saturated solution by dissolving some baking soda into water. Keep adding and mixing baking soda until no more will dissolve.
???? In a small cup or bottle cap, make sugar water by dissolving sugar in water until no more sugar will dissolve.
???? If you use a commercial ant repellent, you should have adult permission and supervision.
???? Separately make up additional small cups or bottle caps of the solutions you will be testing: Water, vinegar, detergent, Tabasco sauce, lemon juice and, if you choose to test it, commercial ant repellent.

Procedure
???? Lay out your vinyl tablecloth on the ground in an area of heavy ant activity. Wait awhile for the ants to walk on the tablecloth. (Be careful when working with ants?some can sting and bite!)
???? Tip: If not many ants are walking on the tablecloth, you could try putting a small piece of fruit near them, such as an apple slice, wait until the ants cover it, and then carefully shake them off onto the tablecloth. If it is very hot outside, you may need to wait until later in the day when it cools down for ants to come out of their holes.
???? Next to the tablecloth have ready the solutions you will test: saturated baking soda solution, sugar water, water, vinegar, detergent, Tabasco sauce, lemon juice and, if you want, chemical ant repellent.
???? Test a solution on an ant by dipping a Q-tip into the solution and drawing a circle around the insect, about 2.5 centimeters in diameter. Did the ant stay inside the circle or leave it? Was there anything else you observed about the ant's behavior?
???? In this way, test solutions on the ants until you have tested at least five ants with each substance.
???? Which solutions usually kept ants inside the circle? From which did the ants readily walk out? Potential repellents will be solutions that clearly trap the ants inside a circle.
???? Were there circles in which the ants spent time standing, neither quickly leaving nor appearing trapped?
???? Extra: Once you find some potential repellents, you can figure out which ones work best. Try this activity again, but now time how long the ant remains trapped in the circle. Which repellents repel the ants for the longest amount of time?
???? Extra: You can also time how long the ant stays trapped in the circle to experiment with different concentrations of repellents. How diluted can your solutions be and still act as effective ant repellents?
???? Extra: Try a similar activity to this one but only test dry or powdered substances. You won't need a tablecloth for this; rather for a hard, dry substance like chalk you can draw the circle on a sidewalk. For a powder, like baking soda, sugar or salt, just sprinkle it in a circle around the ant. Can you find some powdered or solid substances that work as ant repellents?

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Racing Vegan With Team Plant Power :

Racing Vegan With Team Plant Power
by Heidi Volpe?

Recently I raced the?12 Hours of Temecula and was lucky enough to race with the talented, just turned pro Sarah Jasen. She nabbed a top 10 spot in the Whiskey 50 and has been tearing it up in the UET Endurance Series here in So Cal for Team Margarita, which she founded.

We raced for So Cal Endurance under the team name, ?Plant Power?. Why? Because we were powered by plants.?We both raced as Vegans, fueling before during and after the race with our own hand made food. For the record, beer is vegan and goes well with Chia Black Bean Burgers!

We competed against 8 all male duo?s and got 2nd place, lapping 3rd place, though we were double lapped by our own team mates, Joel Titus and Mario Correa!? That said we beat all the co-ed teams and completed 15 laps in 11.5 hrs. Plant Power and tenacity goes a long way!

Here?s the run down on how we fueled and feasted before, during and after the race. Most of the recipes we made were from or inspired by Brendan Brazier?s book?Thrive: The Vegan Nutrition Guide to Optimal Performance in Sports and Life.

GEL (Thrive Recipe)

• 4 dates (I used dates, soaked for a few hours, and used the date water in the next drink)
• 1/2 cup raw agave nectar
• 1 Tbsp lime zest
• 2 tsp lemon zest
• 1/2 tsp dulse
• Sea salt to taste
• I added some guanara

Vita Mix it or use a high speed blender

---

RECOVERY DRINK?(Thrive Recipe)

• 4 large Medjool dates (remove pits)
• 2 cups water
• 1 tbsp hemp protein
• 2 tbsp sprouted buckwheat (or substitute cooked)
• Juice from 1/2 lemon
• Juice from 1/4 lime
• 1/2 tsp lemon zest
• 1 tsp ground dulse flakes
• 1 tsp maca powder
• 1 tsp greens powder (chlorella or spirulina) I used Vital Greens

Vita Mix it or use a high speed blender

---

COLD QUINOA SALAD (Heidi Volpe)

• Some Cooked quinoa, red or regular (this is your base )
• A few shakes Black Charcoal lava salt to taste
• A couple handfuls Edamame (shelled)
• Sesame oil to taste
• Some red onion finely chopped or green scallions
• A few salted blanched carrots finely chopped
• A couple wasabi seaweed sheets cut up with a scissors
• How ever many you feel like heirloom cherry tomatoes, sliced
• 1/2 avocado
• Sting with fresh squeezed lime juice

Mix it up.

---

SWEET POTATO CHEWS?(Thrive?Recipe)

• 6 organic sweet potatoes, scrubbed
• Coconut oil
• Cinnamon
• Hemp or pumpkin seeds
• Puncture with Sweet Potatoes, bake at 375? for 40 minutes,?let them cool, then peel.

Cover a baking sheet with coconut oil (so they don?t stick) slice the potatoes in 1/2 cm uniform circles, arrange on pan

With a pastry brush, use some melted coconut oil, and brush the tops, dust with cinnamon. and bake at 300? for approx 20 min. Experiment with baking times until you reach a desired texture. I also sprinkled on hemp seeds once they were done baking, and have added pumpkin seeds as well. These are a great post work out snack and pack well.

---

CURRY PIZZA?(Thrive Recipe)

Pizza Crust

• 2 cups ground sunflower seeds
• 1 tsp cumin
• 1/2 tsp turmeric
• Sea salt to taste

Procedure:?Preheat oven to 300?. In a food processor, process all crust ingredients until mixture starts to ball up. Lightly oil the baking tray with coconut oil. Spread mixture on tray to about 1/4 inch thick (it can be thicker or thinner if you prefer). I used a baking pan so it would hold its shape. Add sauce and toppings, bake. I waited until the sides pulled away from the pan, this is how I knew it was close to done. Spread Spicy Sun-Dried Tomato Marinara Sauce (see below) add topping. Bake for 45 minutes. (This will vary slightly depending on the moisture content of the vegetables and the desired crispness of the pizza. I used pre grilled eggplant, red peppers. olives, and mozzarella almond cheese, oregano and some red onion.

---

SPICY SUN-DRIED TOMATO MARINARA SAUCE?(Thrive?Recipe)

This sauce can either be served raw or simmered over low heat for about 10 minutes to further blend the flavors. If you choose to heat it, try stirring in 1/2 cup nutritional yeast for a cream-textured sauce, it sorta tastes like cheese.

• 1 cup sun-dried tomatoe
• 1 clove garlic
• 1 cup chopped tomatoes
• 1 cup water1/2 cup grated cucumber
• 3 tbsp hemp oil
• 1 tbsp balsamic vinegar
• 1 tsp oregano
• 1 tsp rosemary
• 1/4 tsp thyme
• Sea salt to taste

Soak the sun-dried tomatoes in the water for 20 minutes. Retain this water. In a food processor, process all ingredients, including sun-dried tomatoes water, until desired consistency is reached.Keep refrigerated for up to 1 week.

Makes about 3 1/2 cups

NOTE: I also added some organic tomato paste to thicken this up a bit because I found the above a little too watery and made the pizza fall apart.

To see the rest of the vegan foods that Heidi and Sarah made to fuel their 12 hour race visit Sarah?s blog [HERE].

For more on how to fuel and race as a Vegan please check out?Brendan Brazier?s book?Thrive: The Vegan Nutrition Guide to Optimal Performance in Sports and Life.

Category: Nutrition, Racing, Tips

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Free Article Directory: Surfing Weekly Options - Utilizing The Spread ...

By Ted Nino

Call options started way back in 1973. Chicago Board Options Exchange started the standard call options. The put option started in 1977. It also become famous to many people. Over the years, its growth rate is really amazing. The investors know how options works. Another conclusion that we can get out of this increase will be that investors are using them comfortably and they are using them with various strategies.

The Chicago Board Options Exchange brings a new class option called Weekly Options in year 2005. After the prior options, weekly options is now available. Weekly options are commonly called "weeklys". Options may differ on many ways, however, "weeklys" and monthly options are comparable. Weeklys only last for eight days while monthly options are not. You can get weekly options on Thursdays and it automatically expire after eight days. On the other hand, monthly options has better expirations which is on every third friday of each month. But with weeklys, investors can now enjoy 52 expirations for the entire year.

Investors can use their own strategies for these options. You can choose a lot of techniques for these options. What are the best techniques for weeklys? With the case of weekly options, you can do just about any strategies that you actually use with longer dated option or monthly options. You may notice that these techniques can be done four times monthly for weeklys. You can only use your techniques once for monthly options.

Investors are taking advantage of the final week of an option's life. More time decay curves can be observed on weekly options. There are twelve times payment for investors who goes for monthly options. Investors were paid fifty-two times for getting a weekly option.

The strategies that you can do with weekly options are much the same strategies with the monthlies. You can market both put and calls option. You can also strategies like covered calls, spreads and condors. The three strategies are both good for weekly and monthly options. Obviously, weekly options has shorter time line than monthly options.

About the Author:

Ted 'The Spread is an option selling psychotic - fervent especially with trading the butterfly spread . Click over to his weekly options site to take a look at his very effortless system of riding the weeklys for reliable returns - and more wonderful option income 'stuff'.

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Raymond Carl Knudson Robbed A Bank And Then Drove To Police Station To Confess

Kelsey Smith

In June, 2012, Smith was accused of driving under the influence and of spitting blood on law enforcement officers in Volusia County, Fla.

Raymond Carl Knudson

Raymond Carl Knudson pleaded guilty June 25 to sticking up a Bank of America branch in April, a crime he confessed within minutes of committing.

Kola J. McGrath

Kola J. McGrath was arrested for sneaking into her boyfriend's apartment complex by hiding in a small pink suitcase in Portland, Ore. The police searched the apartment of Curtis T. Lowe after being informed that a man had kidnapped a woman, put her in a suitcase, and taken her into the building. They found McGrath hiding in a closet.

Houaka Yang

Houaka Yang, 20, of Wisconsin, accidentally videotaped his confession and identified himself on tape with a camcorder he stole. Once the video camera was recovered, the victim uploaded <a href="http://www.youtube.com/watch?feature=player_embedded&v=wmY_gFcBsvw" target="_hplink">Yang's clip to YouTube.</a>

Pocahontas

Luerissie Ashley Ross -- who is also a stripper called Pocahontas -- was arrested in February after she allegedly lured a man to his death and shot another in two robberies in Houston. <a href="http://www.huffingtonpost.com/2012/05/15/stripper-pocahontas-shootings-luerissie-ross_n_1517518.html?ref=crime" target="_hplink">Read more.</a>

Clyde Hobbs

Clyde Hobbs was arrested in May, 2012 for allegedly calling 911 at least 17 times -- to talk dirty to operators. He'd been arrested several times in the past for the same crime. When cops arrived to collar him, Hobbs asked, "Are you here to arrest me again?" <a href="http://www.huffingtonpost.com/2012/05/09/clyde-hobbs-called-911-to-talk-sex_n_1502536.html?1336569858" target="_hplink">Read more.</a>

Patricia Krentcil

Patricia Krentcil was charged with child endangerment for allegedly allowing her 5-year-old to use a tanning booth, but the New Jersey mom says the child got a sunburn from playing outside. <a href="http://www.huffingtonpost.com/2012/05/03/patricia-krentcil-tanning-tanorexic_n_1473813.html" target="_hplink">Read more.</a>

Eugene Carl Kotelman

Largo (Fla.) Police pulled over Kotelman allegedly for speeding and driving drunk on May 3. Cops checked the trunk and say they found a small monkey tucked inside. <a href="http://www.huffingtonpost.com/2012/05/04/a-man-and-his-monkey-pull_0_n_1477674.html" target="_hplink">Read more.</a>

Aaron Latham

Latham, 22, allegedly got naked, stole a man's truck and then ran it into the front of a home at 50 mph. <a href="http://www.huffingtonpost.com/2012/04/30/aaron-latham-nude-man-steals-truck-crashes-through-house-delaware_n_1464836.html" target="_hplink">Read more.</a>

Joseph Hannah

Sheriff's deputies in Albuquerque, N.M. arrested Joseph Hannah for allegedly posing as a police officer. He's accused of pointing a gun at a group of teenage boys and allegedly urinating on a hat belonging to one of them. Two women told police that he pulled them over and flirted with them in separate incidents. <a href="http://www.huffingtonpost.com/2012/04/26/joseph-hannah-impersonated-cop-urinated-hat_n_1455881.html" target="_hplink">Read more.</a>

Michael Baker

Michael Baker was arrested after posting a Facebook photo of himself stealing gas from a police car in Jenkins, Ky. <a href="http://www.huffingtonpost.com/2012/04/19/michael-baker-stole-gas-cop-car-facebook-photo-kentucky_n_1437057.html" target="_hplink">Read more.</a>

Ronaldo Silva

Ronaldo Silva allegedly broke out of a Brazilian prison by dressing in drag in April, 2012. He was caught less than an hour by a cop who noticed that he walked funny in heels. <a href="http://www.huffingtonpost.com/2012/04/17/prison-escape-in-drag_n_1431558.html" target="_hplink">Read more.</a>

Ray Woods

Ray Woods allegedly tied 89 bags of heroin and cocaine to his penis. When cops found him out, he reportedly urinated all over himself. <a href="http://www.huffingtonpost.com/2012/04/12/89-bags-of-heroin-tied-to-penis_n_1420733.html" target="_hplink">Read more.</a>

Keith Fehr

Keith Fehr is accused of wearing a black dress and exposed himself to children at a park in Illinois. <a href="http://www.huffingtonpost.com/2012/04/05/keith-fehr-little-black-dress-indecent-exposure_n_1406703.html" target="_hplink">Read more. </a>

Raymond Foley

Raymond Foley, an IT guy at an insurance company in West Des Moines, allegedly peed on four female co-workers' chairs over the course of five months. The company installed surveillance cameras in April, 2012 when the women complained, and reportedly caught Foley yellow handed. <a href="http://www.huffingtonpost.com/2012/04/03/it-guy-peed-on-chairs_n_1399398.html" target="_hplink">Read more.</a>

Jesse James Thomas

Jesse James Thomas, arrested March 28 for public drunkenness, Thomas was wearing a sombrero when he jumped on an officer's parked patrol car screaming his name, according to an account in the <em>Sacramento Bee</em>. <a href="http://www.huffingtonpost.com/2012/03/30/jesse-james-thomas-sombrero-jumps-on-cop-car_n_1392754.html" target="_hplink">Read more. </a>

William Bliss

William Bliss was arrested in March, 2012 after claiming four men made him carry a nuclear bomb -- while he was naked and drunk in the middle of an Iowa City street. <a href="http://www.huffingtonpost.com/2012/03/20/forced-to-handle-nuclear-weapon_n_1366879.html" target="_hplink">Read more.</a>

Christina Lopez

Salem police say surveillance video shows Christina Lopez watched her 17-year-old daughter dance at Presley's Playhouse Cabaret, a strip club in Oregon. <a href="http://www.huffingtonpost.com/2012/03/18/christina-lopez-watched-daughter-strip_n_1356975.html" target="_hplink">Read more. </a>

Briana Rios

Accused teenage Bookie Briana Rios of Florida is accused of taking bets on NBA and NFL games. <a href="http://www.huffingtonpost.com/2012/03/17/briana-rios-fla-teenager-bookie_n_1355315.html" target="_hplink">Read more. </a>

Matthew Ibarria

Matthew Ibarria, a fugitive from Florida wanted for allegedly attacking a relative, was arrested after jumping naked from a car in Georgia. This dashboard video from a Kingsland Police Department vehicle allegedly shows him running away. <a href="http://www.huffingtonpost.com/2012/03/09/naked-man-matthew-ibarria-police-chase_n_1334638.html" target="_hplink">Read more.</a>

Jacob Lee Bovia

Jacob Lee Bovia is facing real indecent exposure charges for exposing his fake genitalia to a group of women on Maryland's Anne Arundel Community College campus. <a href="http://www.huffingtonpost.com/2012/03/07/jacob-lee-bovia-arrested-exposing-fake-penis-maryland_n_1326558.html" target="_hplink">Read more. </a>

John Jardini

John Jardini, 26, of Pittsburgh allegedly robbed a woman for $60 -- and then asked her out on a date by cell phone. The "love" story gets worse. Read more <a href="http://www.huffingtonpost.com/2012/03/06/robber-called-victim-for-date_n_1324449.html?ref=weird-news&ir=Weird News" target="_hplink">here.</a>

Jason Engel

Jason Engel, 21, of Pittsburgh, was arrested after he skipped a court hearing on charges that he stole $400 from a 2-year-old's piggy bank. Read more <a href="http://www.huffingtonpost.com/2012/03/01/jason-engel-steals-from-piggy-bank_n_1313144.html?ref=crime&ir=Crime" target="_hplink">here.</a>

Michael Conley

Former Elvis impersonator Michael Conley blamed his diabetes for starting a standoff with Florida police, in which he threatened to use a weapon of mass destruction against them. He allegedly held up a vial of what he called Ricin -- a highly potent toxin -- as he barricaded himself in a motel in February, 2012. He was arrested about four hours later. Read more <a href="http://www.huffingtonpost.com/2012/02/29/wmd-suspect-diabetes_n_1310202.html" target="_hplink">here.</a>

Michael Barker

Barker called 911 repeatedly in Hudson, Fla. asking them to fetch him a taxi and saying that he lost his football. Cops arrested him for allegedly misusing the emergency system on Feb. 20, 2012. Read more <a href="http://www.huffingtonpost.com/2012/02/23/911-caller-wants-taxi-michael-barker-florida_n_1296979.html" target="_hplink">here.</a>

Mark Loescher

Those who attempt to arrest Mark Loescher have their work cut out for them. When he was arrested for assault, he not only told officers that he was Elvis Presley's brother, a friend of President Bush, and director of the CIA, but he was also half-orangutan. Read more <a href="http://www.huffingtonpost.com/2012/02/21/mark-loescher-says-hes-half-orangutan_n_1290576.html" target="_hplink">here.</a>

Ramon Blair

A Martin County sheriff's deputy in Florida arrested Ramon Blair, 28, based on tips from informants that Blair would have hundreds of dollars of crack cocaine "on his person." An initial search turned no results, but a more thorough search while in custody revealed that Blair had hidden the crack in, well, his crack. Blair was told to undress, squat, and cough -- and police found what appeared to be a white piece of paper in his buttocks, which contained crack cocaine. Read more <a href="http://www.huffingtonpost.com/2012/02/17/police-find-crack-in-butt_n_1285604.html" target="_hplink">here.</a>

Verdon Taylor

Clothes be darned: Verdon Taylor was arrested in February, 2012 for allegedly stripping naked in the parking lot of a Walmart, walking inside and putting on socks, then shopping. Almost needless to say, he was eventually Tased. Read more <a href="http://www.huffingtonpost.com/2012/02/17/naked-man-steals-socks_n_1284139.html" target="_hplink">here.</a>

Nikolas Harbar and Stephanie Pelzner

Portland, Ore. couple Nikolas Harbar and Stephanie Pelzner were arrested on Valentine's Day, 2012 after Harbar allegedly bound his naked girlfriend and threw her in the back of a car -- in the pursuit of a sexy role-play romp. Cops, after a long search, found that Pelzner wasn't a kidnapping victim, but that both were disorderly conduct suspects. Read more <a href="http://www.huffingtonpost.com/2012/02/15/bound-naked-role-play_n_1278598.html" target="_hplink">here.</a>

Misty Lawson

Misty Lawson, 30, a self-described "professional baby maker" on her Facebook page, allegedly punched her son in the face and body several times during an in-home, state-mandated anger management course. Read more <a href="http://www.huffingtonpost.com/2012/02/13/punch-during-anger-management-misty-lawson_n_1272915.html" target="_hplink">here.</a>

Harold Wayne Hadley, Jr.

Harold Wayne Hadley, Jr. was arrested in February 2012 for allegedly threatening to blow up his Mississippi school -- but he maintains it was a fart joke. He allegedly wrote, on a piece of toilet paper, that he "passed a bomb in the library." He was held on $20,000 bail. Read more <a href="http://www.huffingtonpost.com/2012/02/10/fart-joke-leads-to-bomb-scare_n_1268713.html" target="_hplink">here.</a>

Andrew Toothman

He had a real sweet tooth. Cops say they found 22-year-old Andrew Toothman lying down inside Kentucky Food World IGA market on Feb. 2, completely covered in chocolate and peanut butter. He'd also allegedly written "Sorry" in NyQuil on the floor. Read more <a href="http://www.huffingtonpost.com/2012/02/09/naked-chocolate-peanut-butter_n_1265639.html" target="_hplink">here.</a>

Agustin Sanchez

Rogue cuddler Agustin Sanchez allegedly snuck into his ex-girlfriend's home and crawled into bed with her for a snuggle. The spooning attempt was thwarted, however, when the woman notified police. Read more <a href="http://www.huffingtonpost.com/2012/01/10/cuddle-break-in-augustin-sanchez_n_1196323.html" target="_hplink">here.</a>

Timothy Randall Clark

Timothy Clark probably didn't think his plan through when he allegedly shoplifted from a Wal-Mart at the same time that police were holding their "Shop With A Cop" charity event. <a href="http://www.huffingtonpost.com/2011/12/07/timothy-clark-shop-with-cop-arrest_n_1134064.html" target="_hplink">Read more.</a>

Oneal Morris

Oneal Morris is accused of posing as a doctor and filling a women's buttocks with cement, mineral oil and flat-tire sealant. The woman wanted to work at a nightclub and searched for someone who could perform plastic surgery at a cheap price to give her a curvier body. Police say Oneal was was born a man but identifies as a woman. <a href="http://www.huffingtonpost.com/2011/11/20/butt-implants-fake-doc_n_1103933.html" target="_hplink">Read more.</a>

Olivia Ornelas

Police in Illinois say that Olivia Ornelas blamed her DUI and crashed vehicle on her boyfriend's failure to take her, as he promised, to the new "Twilight" movie. <a href="http://www.huffingtonpost.com/2011/11/21/illinois-twilight-fan-arrested_n_1105740.html" target="_hplink">Read more.</a>

Ranaldo Jack

Authorities in Georgia found Ranaldo Jack stuck in a woman's chimney. He was charged in connection with an attempted burglary. <a href="http://www.huffingtonpost.com/2011/11/17/man-stuck-in-chimney-arrested_n_1099252.html" target="_hplink">Read more.</a>

Marsia Emanuel

Marsia Emanuel allegedly flagged a school bus in Winter Haven, Fla., boarded and beat the bus driver in front of her daughter, a student riding it already. Cops found Emanuel later at home where she dropped her underpants in front of them, they said. It's unclear what was her motive. <a href="http://www.huffingtonpost.com/2011/11/11/marsia-emanuel-allegedly-_n_1088096.html" target="_hplink">Read more.</a>

Bug Spray Bandit

Investigators in California are trying to track down a man who robbed a bank armed with pesticide. The suspect appeared to be carrying a black semi-automatic handgun and a plastic container of pesticide when he held up the Pacific Western Bank in Rancho Santa Fe on Nov. 4, 2011. <a href="http://www.huffingtonpost.com/2011/11/08/bank-robbery-pesticide_n_1082447.html" target="_hplink">Read more.</a>

Karen Henry

Police in Florida arrested Karen Henry, 45, after she allegedly threatened her 80-year-old father with a knife for not sharing his potato salad. <a href="http://www.huffingtonpost.com/2011/10/31/karen-henry-arrested-potato-salad_n_1067172.html" target="_hplink">Read more.</a>

Gregory Liascos

This camouflage might work well in nature, but it really stands out in the police station. Oregon investigators believe Gregory Liascos, 36, was wearing this "ghillie" camouflage when he attempted to break into the Rice Northwest Museum of Rocks and Minerals last week. After setting off alarms, the suspect allegedly fled into a wooded area nearby. Officers only found Liascos when a police dog bit what appeared to be a patch of grass -- which yelped in pain. On Oct. 12, 2011, authorities said Liascos failed to show up for his trial. A warrant has been issued for his arrest.

Albert Tejeda

Sheriff's deputies in Pinal County, Ariz., say Albert Tejeda's unique tattoos -- and his lengthy rap sheet -- leave him with a face they'll never forget. After Tejeda allegedly fled during a traffic stop, deputies claim they knew exactly who they were looking for and later found the 31-year-old walking around Casa Grande with a samurai sword.

Juan Aguirre

Even if Juan Aguirre got away, he would have ended up empty handed. Police said the 21-year-old Kansan stole six empty DVD boxes from a local adult entertainment shop.

'Vampire' Josephine Smith

Josephine Smith is seen in this booking photo from the Pinellas County Jail. Smith was arrested after allegedly attacking and biting a piece of skin off a homeless man in St. Petersburg after proclaiming "I am a vampire, I am going to eat you".

Edwin Tobergta

Edwin Tobergta, 32, is seen in this booking photo from the Butler County Sheriff's Office. Tobergta was arrested after allegedly having sex with an inflatable pool raft.

Joshua Greene

It's not easy to be the most most memorable visitor when thousands of NASCAR fans come to town, but West Virginia's Joshua Greene made a pretty good run for that honor when police caught the streaking 27-year-old with a raccoon in his car.

Ismael Ambrosio

We're not saying there's guilt written all over his face, but Ismael Ambrosio is seen in this Aug. 9 booking photo from the Pinellas County (Fla.) Jail with a facial tattoo that could not have pleased police officers.

Dumb Crime: Masterminds Need Not Apply

The hand of justice makes an appearance in this mug shot. Nichlous Peternik -- and the arm of a law enforcement official in Redding, Calif. -- are featured prominently in this memorable booking photo taken after Peternik was arrested on suspicion of burglary. Officials say they were forced to reach into the frame when Peternik refused to pull his hair back from over his face.

Man Charged with DWI for Driving Motorized Cooler

An Australian man caught driving a motorized cooler box through a beachside resort town appeared in court charged with drunk driving, The Courier Mail reported Monday. Christopher Ian Petrie, 23, faces charges of driving under the influence and driving without a license after police caught him on the makeshift vehicle, which was powered by a 50cc engine.

Lorena Tavera

Former Miss El Paso USA Lorena Tavera was arrested for allegedly shoplifting a $69 shirt in El Paso.

Cory Smits

Cory Smits, 29, is seen in this booking photo from the Manitowoc County Sheriff's Department. Smits was found guilty July 7 on his fifth offense of operating a vehicle while intoxicated.

Patrick Francis Brooks

This booking photo from the Shasta County Sheriff's Office in California shows Patrick Francis Brooks and his obscene tattoo after his July 11 arrest on charges of burglary, receiving stolen property, forgery and violating the terms of his parole for a previous conviction.

Mark Anthony Richardson Jr.

Mark Anthony Richardson Jr. wore diapers and faked being autistic to get women to babysit him. He was sentenced to three years in prison in July 2011 for groping an 18-year-old daughter of one of the conned nannies.

Mug Shot:

Levon T. Sarkisyan, allegedly broke into a Connecticut home and smashed statues and furniture, because he claimed God told him to do it, according to police.

Dumb Crime: Masterminds Need Not Apply

Police in Phoenix, Ariz., have accused Randon Reid of the crime of flight -- and a crime against flight. Investigators say the 26-year-old suspect opened fire on an airplane parked at Deer Valley Airport, then fled from authorities who tried to pull him over. He has reportedly been charged with felony flight and driving under the influence.

Dumb Crime: Masterminds Need Not Apply

Holy handcuffs! Police in a smog-clotted town in northwest Michigan are touting the arrest of Batman. The legendary caped crusader was reportedly nabbed while dangling from a 30-foot-high building. The unmasked superhero wannabe is actually a local resident named Mark Wayne Williams.

Dumb Crime: Masterminds Need Not Apply

Some people have guilt written all over their faces, and others, like assault suspect Robert Norton Kennedy, have apologies tattooed across their foreheads. A booking photo released by the authorities in Horry County, S.C., appears to show the 51-year-old sporting a facial tattoo that reads: "Please forgive me if I say or do anything stupid. Thank You!" <a href="http://weirdnews.aol.com/2011/05/10/robert-norton-forehead-tattoo_n_859931.html#s276809&title=Dumb_Crime_Masterminds" target="_blank"><b>(Read More)</a></b>

Dumb Crime: Masterminds Need Not Apply

A South Carolina man who twice pleaded guilty to having sex with a horse has been released from prison and put on probation, under the condition that he keep his distance from the horse. Rodell Vereen, pictured in this file photo, was released from prison after serving 16 months.

Dumb Crime: Masterminds Need Not Apply

It was almost a kiss of death. Deputies in Florida say 92-year-old Helen Staudinger opened fire on her neighbor's house after the much younger resident refused to give her a kiss. Investigators at the Marion County Sheriff's Office claim Staudinger refused to leave 53-year-old Dwight Bettner unless her neighbor gave her a kiss. She allegedly returned with a gun.

Dumb Crime: Masterminds Need Not Apply

It's always best to practice what you preach. Police in Florida say they arrested the former president of a local chapter of Mother's Against Drunk Driving for driving under the influence. Debra Oberlin has been charged with drunk driving for the Feb. 18 incident.

Dumb Crime: Masterminds Need Not Apply

Police in Michigan say a man claimed he was royalty before trying to steal a pack of Marlboros from a 7-Eleven. Joseph Lawrence Borowiak is charged with strong-arm robbery and resisting arrest after allegedly wrestling a store clerk over a pack of cigarettes. Borowiak reportedly stated, "The king doesn't pay for cigarettes."

Dumb Crime: Masterminds Need Not Apply

Jerome Smith's forehead says he's a "Genius," but police say he wasn't being smart when he allegedly struck a pregnant woman with a handgun. The Cincinnati, Ohio, resident is accused of repeatedly pistol-whipping a woman who was eight months pregnant in late January.

Leo Earl Sharp

When police caught 87-year-old Leo Earl Sharp allegedly transporting 228 pounds of cocaine, the suspect told them that he was forced "at gunpoint" to transport the drugs.

Andrei Bibbs, 54, of the 3000 block of Coopers Grove Court, was arrested Jan. 7 Illinois State Police and charged with driving while under the influence of alcohol. He <a href="http://www.huffingtonpost.com/2012/01/12/andrei-bibbs-blue-island-_n_1201547.html" target="_hplink">was clearly shocked by the change. </a>

Michael Belton

Belton lost his wig, sunglasses and $115,000 worth of casino chips when security wrestled him to the floor during a botched weekend heist, according to authorities.

Dumb Crime: Masterminds Need Not Apply

Tiffany Pocock, 27, of Bellevue, Ohio, spat blood on the cops who were arresting her in late May 2012. After being detained for driving a vehicle while impaired, Pocock also began banging her head repeatedly against the door of the police vehicle, sustaining personal injuries that resulted in her hospitalization. <a href="http://www.huffingtonpost.com/2012/05/21/woman-spits-bood-on-cop-ohio_n_1534392.html?ref=crime" target="_hplink">Read more.</a>

Dylan DiFalco told a Sheriff's deputy he had to urinate and, when the cop told him he'd have to wait, he peed in the cop car, according to an arrest report. "I told you I had to go you stupid cop," Difalco said, according to the report.

Milton Hodges

Hodges, 20, of Florida, allegedly fled to a nudist colony and threatened residents there after committing an armed robbery at a nearby Lowe's. The fully-clothed Hodges was reported to have been easily identified by his pursuers in the naked environment.

Timothy Paul Shelby

Shelby, 53, was arrested in South Florida on June 1, 2012 for driving without a license -- immediately after leaving a courthouse after he appeared for the same offense.

Nicole Okrzesik

Okrzesik is accused of helping to kill 19-year-old Juliana Mensch in March. She allegedly sent incriminating text messages and conducted fishy <a href="http://blogs.browardpalmbeach.com/pulp/2012/05/nicole_okrzesik_mensch_ayers_google-search.php" target="_hplink">Google searches</a> implicating herself in the crime.

Nikoleta Karoly

Karoly is accused of choking her boyfriend because he refused to marry her so she could get a new Visa.

Bradley Pope

Pope was arrested for DUI. He allegedly told police that he was a "covert agent" and that he had drank 100 beers.

Tracy Mabb

Mabb is accused of exposing herself at an intersection in Pompano Beach, Fla. She allegedly told police she didn't "give a f--k" about her actions, according to a police report.

Everett Lages

Lages was arrested when he allegedly called 911 after he was not allowed to bring his kitten inside a strip club.

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&#39;Overqualified&#39; applicants: 3 myths ? Business Management Daily ...

Erroneous assumptions about overqualified candidates may cause you to miss out on a great employee and lead to a discrimination claim, so it is important that you change your mindset.

Maribeth Kuzmeski, author and founder of Red Zone Marketing, LLC, a strategic marketing and business growth consultancy, advises hiring managers to ?take the time to connect with these candidates. Invite them in and learn what motivates them.?

Here are three myths concerning ?overqualified? job candidates:

Myth #1: They are desperate for work

Says Kuzmeski: ?Most candidates are not applying for jobs they seem more than qualified for because they are desperate for work.? Some want a career change, some want to work fewer hours, and others want less responsibility and less stress.

Express your concerns about them wanting a job for which they are obviously overqualified and ask why they want the job. ?You?ll be able to tell when she is explaining her reasoning and her motivations whether or not she truly has a passion for the job in question or whether she is simply willing to take the first job that is offered to her,? says Kuzmeski.

Additional questions to gauge their commitment to the position: How does this job fit into your career path? Where do you see yourself in five years? Remember, absent a contract, no new hire is guaranteed to stay long-term.

Myth #2: Their salary requirement is too high

Don?t make assumptions. Simply offer the job at the normal starting salary for the position.

Most applicants are well aware that the more entry level a position is, the lower the salary is, and are willing to take a pay cut.

Myth #3: They will be dissatisfied with the job

During the interview, acknowledge their achievements. ?Ask the candidate how he plans to use the skills that led him to his past achievements in the position you?re offering, but don?t focus too much on the past. In??stead, find out about his current motivations and the goals he has for the position,? says Kuzmeski.

Once on the job, it is important to empower them. Give them some degree of decision-making power, even in the most basic of positions.

?By giving these employees autonomy, you show them that you have confidence in their abilities and respect the skills and qualifications they bring to the table,? says Kuzmeski.

She concluded: ?Think about it: These people became highly qualified for a reason?for the most part, they make fantastic employees. You want to hire the right person for the job, not the person you assume, sight unseen, is less likely to leave. By taking the time to connect with candidates and discuss their motivations and goals, you?ll be able to make that judgment yourself.?

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The Littlest Tasters

In 1995, Kraft expanded its line of packaged kids? lunch combinations to include pizza-themed Lunchables despite negative reviews from parents who?d taste-tested the product. They found the application of cold pizza sauce, cold meat, and cold shredded cheese on cold crusts both unappetizing and incongruous with the steaming, oozy slices they associated with the word pizza. ?Within a year, though, sales of the portable, build-it-yourself lunches had reached $150 million, and pizza Lunchables accounted for a quarter of the Lunchable brand?s total volume. Last year, the brand?s dollar sales reached $569 million.

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Celebrate (Or Mourn) the Court?s Obamacare Decision at Power Line Live (Powerlineblog)

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We Are Living In a Virtual World? (Powerlineblog)

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Hedge fund manager to pay $405M to Madoff victims

ALBANY, N.Y. (AP) ? A settlement announced Sunday will bring $405 million to victims of Bernard Madoff's historic investment scam, the state attorney general said.

The clients of hedge fund manager J. Ezra Merkin will receive $405 million, and New York state will get $5 million to cover the cost of the settlement worked out by Attorney General Eric Schneiderman. The victims include New York Law School, Bard College, Harlem Children's Zone, Homes for the Homeless and the Metropolitan Council on Jewish Poverty.

Schneiderman called the agreement "a victory for justice and accountability."

"Many New Yorkers entrusted their investments to Mr. Merkin, who then steered the money to Madoff while receiving millions of dollars in management and incentive fees," Schneiderman said. "By holding Mr. Merkin accountable, this settlement will help bring justice for the people and institutions that lost millions of dollars."

Merkin's attorney, Andrew J. Levander, didn't immediately respond to a request for comment Sunday.

Merkin had managed investments for hundreds of investors in four funds: Ariel Fund Ltd., Gabriel Capital L.P., Ascot Fund Ltd. and Ascot Partners L.P. Schneiderman said many of the investors are New York residents and charitable organizations. Many of them requested not to be identified.

Most investors will get more than 40 percent of their losses, but only up to $5 million. Those who lost more could see additional payments, depending on the number of investors who seek reimbursement. Investors will see the terms of the settlement in the next few days, the attorney general's office said.

Merkin used his social and charitable contacts and his reputation as a money manager over two decades to raise more than $4 billion from investors, many of them charitable groups. Schneiderman said Merkin concealed Madoff's role through misleading documents and quarterly reports.

Madoff, once the Nasdaq chairman, used his reputation and savvy to dupe sophisticated investors, regulators and Wall Street banks. Merkin invested more than $2 billion with Madoff, who used money from new investors to pay returns to previous clients.

A Schneiderman spokesman said he can't speculate on the effect of the settlement on other investors who lost millions of dollars.

A Manhattan judge in September noted that the plaintiffs had cited testimony by Merkin that he was aware of a number of people who were suspicious of the returns Madoff claimed to achieve.

Madoff confessed in December 2008 that he was running a multi-decade Ponzi scheme and that more than $65 billion he claimed to have on hand for investors had dwindled to a few hundred million dollars from an original investment of about $20 billion. He pleaded guilty to fraud and is serving a 150-year prison sentence in Butner, N.C.

Associated Press

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Poll: Election winner won't affect economy much

WASHINGTON (AP) ? When it comes to the economy, half of Americans in a new poll say it won't matter much whether Barack Obama or Mitt Romney wins ? even though the presidential candidates have staked their chances on which would be better at fixing the economic mess.

People are especially pessimistic about the future president's influence over jobs, according to the Associated Press-GfK poll. Asked how much impact the November winner will have on unemployment, 6 in 10 gave answers ranging from slim to none.

Yet the candidates, the polls and the pundits agree ? the economy is the issue of 2012. Can either man convince voters that he would set things right?

James Gray of Snow Hill, N.C., is skeptical.

"It doesn't look to me like the economy or nothing gets better no matter who you've got up there," Gray said. "I don't know why it is."

A retired policeman, Gray plans to vote for Romney and thinks the Republican might win. But he doesn't have much hope that would improve things for people like him, living on a fixed income. "Every time you go to the grocery store the prices have gone up," he said.

Years of disappointing economic news following the 2007-2009 recession have deflated American optimism. And worries about financial troubles in Europe and congressional gridlock at home hang over the future. Two-thirds of people still describe the economy as poor. The same number ? 31 percent ? think unemployment will grow worse over the next year as predict it will ease up.

"Right now it's so bad," said Maria Fisher of Timber Pines, Fla. "I wish everything was better."

Fisher, a preschool teacher at the YMCA, favors Romney because he's a Republican and a successful businessman. She's ready "to give him the chance to fix all these problems." But she doubts there's much the president can do.

Lots of Obama supporters feel the same way.

"The office of the president as a single person doesn't have as much influence as we generally attribute to them," said Jeff Guertin, a mechanical engineer in Bedford, N.H., who backs Obama.

Guertin said a president is limited by Congress' willingness to go along with his ideas, as well as all sorts of other factors, including world events, that affect whether the U.S. economy grows or shrinks.

Despite the dominance of economic issues in the presidential race, Americans are evenly split over whether the man living in the White House in 2013 will bring significant change to the overall economy.

A majority of those surveyed ? 55 percent ? say the winner will have from "just some impact" to "no impact" on the nation's huge budget deficits.

Those with little confidence that the winner can fix things are also more pessimistic overall ? just 32 percent of them think the economy will improve in the coming year. In contrast, among those who expect a substantial impact from the winner, almost half think the economy will get better.

Republicans are more likely than Democrats to predict that the winner's imprint will be felt: 58 percent say the election's outcome will affect the economy overall. Yet fewer than half of Republicans foresee much impact on joblessness.

Everett Hickman, an Obama supporter, said both campaigns overplay how much a president can do.

"The federal government has some influence over the economy," said Hickman, a retired radio news reporter living in Charlotte, N.C. "It doesn't have the kind of push-pull, click-clack control that some people seem to think, or pretend to think."

The Associated Press-GfK Poll was conducted June 14-18 by GfK Roper Public Affairs and Corporate Communications. It involved landline and cellphone interviews with 1,007 adults nationwide. Results for the full sample have a margin of sampling error of plus or minus 4.0 percentage points.

___

Associated Press Deputy Director of Polling Jennifer Agiesta and News Survey Specialist Dennis Junius contributed to this report.

___

Online: http://www.ap-gfkpoll.com

Follow Connie Cass on Twitter: http://www.Twitter.com/ConnieCass

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China manned docking a key step for space station

SHANGHAI | Sun Jun 24, 2012 6:22am EDT

SHANGHAI (Reuters) - China re-affirmed its goal of building a full-fledged space station by 2020 on Sunday, following a successful manual docking between a manned spacecraft and an experimental orbiting lab module.

"Mastery of rendezvous and docking technology is a decisive step towards realizing the goals of the second stage in the development of China's manned space flight program. It also lays a firm foundation for the further construction of a space station," said Wu Ping, the spokesman for China's manned space program at a press conference following the docking exercise.

The Shenzhou 9 and its three-person crew, including the country's first woman in space, Liu Yang, separated about 400 meters from the Tiangong (Heavenly Palace) 1 module for about two minutes before re-connecting under the manual control of the astronauts, with state television covering the event live.

"It means China has completely grasped space rendezvous and docking technologies and the country is fully capable of transporting humans and cargo to an orbiter in space, which is essential for building a space station in 2020," the official Xinhua news agency said on its website.

Wu said the next step for the program would be further manned docking exercises using the Shenzhou 10, but she said the program had not yet settled on a timeline for the next launch.

The Shenzhou 9 had already conducted an automated docking with Tiangong 1, on June 18, a day after it blasted off from the Jiuquan Satellite Launch Center in northwest China's Inner Mongolia Autonomous Region.

"The automated docking and manual docking are both essential and they serve as a backup for each other," Xinhua reported Zhou Jianping, designer-in-chief of China's manned space program, as saying.

Compared with an automated docking, manual docking is more challenging in terms of orbit control, Xie Jianfeng, a space scientist with the Beijing Aerospace Control Center, told Xinhua on Saturday.

(Reporting by Gabriel Wildau and Samuel Shen; Editing by Ed Lane)

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