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Tuesday, February 26, 2013
Consumer Signal Booster: An Electronic Gadget Grows Up
There's a little-known electronic gadget -- one that's generally not available alongside the colorful big-screen TVs, and bass-pounding sound-systems in seductive, sparkly urban consumer-electronics mega-stores, -- that can be a life-changing device, nonetheless. For some people, it's much more important than the latest 4.7-inch smartphone.
Gas price spikes don't leave lasting damage
The recent run-up in gasoline prices has some economists ? including Federal Reserve Chairman Ben Bernanke ? worried about the impact on consumer spending and the economy.
It?s a perennial concern. When gas prices spike, as they have done in the past few weeks, the extra money you pay at the pump forces you to cut spending on other things. That takes a bite out of overall consumer spending, which fuels roughly 70 percent of the U.S. economy. Slower spending means slower growth.
But the longer-term impact is not as great as some forecasters would have you believe. Here?s why:
Why is Chairman Bernanke soworried?
He?s concerned mostly because the economy isn?t growing as fast as it should be this far into an economic recovery. For reasons that most economists believe are temporary, the U.S. gross domestic product ground to a screeching halt in the last three months of last year. Bernanke and his Fed policy colleagues have been doing everything they can to get the economy moving ahead. But unemployment remains stubbornly high and near-zero interest rates don?t seem to be working.
In his Congressional testimony Tuesday on the state of the economy, Bernanke worried out loud that one reason for the slow growth is that higher gasoline prices ?are hitting family budgets.?
So how hard do budgets get hit by higher gas prices?
In the short term, gas price spikes can have an bigger impact than they should, largely because gasoline is one of the few commodity prices consumers track so closely. (Quick: how much does a loaf of bread cost at your local grocery store?)
An opinion poll conducted last week by the National Association of Convenience Stores found that 44 percent of consumers said that gas prices have a "great impact" in how they feel about the economy, up from the 38 percent who felt that way in January.
See? Bernanke?s right.
In the short-run, yes, a gas price spike can slow the economy ? a little. But over the long run, the impact is not all that great. To see why, we?re going to have to do a little math.
American drivers burn through about 350 million gallons of gasoline a day this time of year, at a cost of a little over $400 billion a year. Pump prices bottomed in December (as they usually do every year) at $3.32 a gallon and then shot up by 53 cents to an average of $3.85 a gallon nationwide, according to the latest Department of Energy figures. (We're using the data for all formulas, all grades.) This year, that seasonal rise has come earlier, and quicker, than usual.
If that increase held through the rest of the year, the hit to spending would be about a half percent of GDP. With an economy that?s only growing about 2 percent a year, that?s a fairly big number.
But that math doesn?t account of the savings consumers enjoy when gas prices fall. For the past three years, prices have bounced in a range between about $2.75 and $4.00 a gallon. The three-year average has been $3.43 a gallon. If you use that price as a starting point, the recent increase ? even if sustained for a full year ? would only knock about two-tenths of a percent from GDP.
Those numbers don?t look right. I?m paying a lot more than that at the pump, and it?s taking a big bite out of my paycheck.
Again, these are averages. For some people, the impact is much more severe. California drivers are paying $4.20 a gallon on average. If you live 30 miles from the nearest grocery store, you?re going to feel the impact of every extra penny a lot more than someone who commutes to work by subway.
Lower-income households feel the impact much more than those further up the income ladder. On average, roughly 5.5 percent of American household budgets go to pay for gasoline. But gasoline bills eat up a bigger portion of the weekly budget for those in the bottom quintile that for those at the top.
But gas prices hurt more than other price increases because I can?t cut back on driving.I have to get to work. What am I supposed to do?
You?re right. For most Americans, especially outside of major cities, gas price spikes are extremely painful because it?s very difficult to cut back in the short run. But over time, drivers can ? and do ? respond.
The long-term rise in gasoline prices over the past decade ? and the pain of sudden spikes ? is one of the biggest reasons that the consumption of gasoline has been falling since August 2007. Americans have been burning through about four percent less gasoline every year since then - even as the number of cars and trucks on the road continues to increase. Thanks to improvements in engine technology, higher-mileage government mandates and strong consumer demand for fuel-efficient cars and trucks, that trend is expected to continue.
Demand for those higher-mileage vehicles has, in turn, spurred a surge in consumer spending on new cars, a category has been an important source of strength for the U.S. recovery. That improvement in the overall mileage of the U.S. fleet has, in turn, helped offset the impact of gas price spikes.
Since bottoming in the first quarter of 2010, new car sales have zoomed ahead ? up nearly 60 percent to $103 billion in the final three months of 2012. About two-thirds of that money went to domestic car makers. Light truck sales have jumped 40 percent, to more than $140 billion for the latest quarter.
The boom in sales is coming partly because drivers deferred buying during the recession. But they?re also snapping up new models with better gas mileage that will continue to reduce consumption ? and blunt the economic impact of future gas price spikes.
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Payday Loans Easy And Payday Uk Loan
One more choice will involve applying on the net. This approach is equally straightforward. On the other hand, you will very likely require entry to a fax machine. This is needed for supplying documentations to the bank loan business. At the time software is obtained and approved, funds are received. On typical deposits just take up to 24 several hours. Nevertheless, some creditors offer you 1-hour or very same working day funds progress loans.
Therefore, military associates working with payday financial loans must look at their existing salaries and estimate the price of their loan as well as its interest alongside with all other expenditures that want to be paid each and every thirty day period. If you sense like you will need to have a for a longer period time period to repay your personal loan, then you can roll around the payments, but that will require that you shell out connected costs. Therefore, you require to read through all the fantastic print prior to taking the mortgage.
online loans
This industry sprung up on the skirts of epidemic bankruptcies in the United states of america. Operating class people today experienced grow to be accustomed to spending additional than they experienced on the assure to fork out the money again at a later on date. Predictably these kinds of kinds of expending practices capture up with you and sooner or later men and women grow to be so about extended with credit history card payments, vehicles that they could not afford to pay for but required ? and bought anyway in addition any of a variety of other acquire now pay back afterwards forms of buys that report bankruptcies were being the consequence of several households coming to actuality with their inadequate investing routines.
Study the wonderful print Do not just check out ?concur? or ?continue on? simply because you are directed to do so. If you do you may well be approving supplemental liberties with the disbursement of your tough attained wages, as well as granting permissions to access and deduct funds from your checking account without approval or prior notification. It is doable that you may possibly uncover that Monday or Tuesday has come to be your new Friday, and/or that your lender account is in distress and you are being billed additional charges and overdraft rates for the reason that of ?pending? exercise that transpired Friday ? Monday afternoon, or there could have been unexpected supplemental payroll deductions that week that were being not in your tight finances.
Some fork out day personal loan providers finance prices were being as high as 38.50% ? on a fourteen working day personal loan. About the system of a 12 months that would be about a 988% APR. This sort of significant costs make a 28.50% yearly credit history card charge surface generous ? which of course it is not.
More hints And they assert that as prolonged as the payday loan providers make all of their steps clear, the responsibility for picking to take a payday financial loan falls on the opportunity debtors.
Pay working day financial loans do the job like this you bring in simple details these as a image ID, for instance your Driver?s License or Condition ID. You will need to present your Social Safety Card?s and you are necessary to have a doing the job phone amount that can be a land line or cell telephone because with the vast majority of fork out day bank loan corporations, that element won?t make a difference. The other matter you will need to have is a piece of mail this sort of as a utility invoice that shows your present-day tackle.
At the moment there is a main court docket battle transpiring with these firms. They are arguing that they should really be capable to act like credit card companies who are headquartered in states with no any laws on their business enterprise and only be topic to the legislation of that state, and not any other condition they do company in. The credit history card corporations won this privilege in the 70?s leading to many financial institutions to be headquartered in South Dakota and Delaware, which have particularly lax polices on credit history card organizations. Online bank loan firms hope to get this exact same privilege so that they can cost exorbitantly substantial fascination costs and do so with out worry of reprisal from any state authorities.
Frequently there are several actually significant added benefits to possessing a payday mortgage. That would not seem to be approximately so tough, does it?
Source: http://www.charchob.com/?p=775
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New Android apps worth downloading: MLB.com At Bat update, Wubbzy Loves You, Flashout 3D
Baseball?s Spring Training just started and that means baseball fanatics are going to want to get connected to the game. MLB.com At Bat, today?s lead app, brings you all the baseball information you could want. We?ve also got Wubbzy Loves You, an educational app for kids, and Flashout 3D, a racing title featuring futuristic hovercraft with rocket launchers.
What?s cool? MLB.com At Bat is your connection to baseball season from start to finish, even though Opening Day is still about a month away. You?ll need a subscription to get the most out of the app, but once you have one, you can keep up on every game played in the league and every player?s stats. The app also provides you with streaming video and the ability to listen to every Spring Training game in audio, plus tools for tracking your favorite team. The app?s update for the 2013 season brings redesigned team pages and news feeds, the ability to access MLB.com At Bat from multiple platforms, and universal support across your Android devices.
Who?s it for? Baseball fans who want access to games and MLB news at all time, this app is for you.
What?s it like? For more baseball coverage, try The Score and Fox Sports Mobile.
What?s cool? In telling the story of Wubbzy on Friendship Day, Wubbzy Loves You delivers games to kids that actually teach them something. The app helps convey number skills and reading comprehension skills to kids, and also includes three reading modes ? one that reads the story aloud, another that lets kids interact with different elements as the story is unfolding, and a third that lets kids read without interactive elements. There are other features, like singalong music videos and the ability to color on your device?s touchscreen
Who?s it for? This one?s definitely for kids, especially those who are fans of Wubbzy.
What?s it like? For more Wubbzy, try Wubbzy?s Space Adventure and Disco Dancin? Wubbzy.
What?s cool? Like racing games such as WipeOut, Flashout focuses on fast-paced ship-based action. The game has six different control schemes to help players get the most out of their boats, including accelerometer controls, and packs a number of challenging races that let you blast around courses in your hover ships or blow the other racers off the course. There?s also a career mode that takes players through a number of racing challenges and has you upgrading your ships to increase their effectiveness.
Who?s it for? Racing fans should check out Flashout for its speed and combat additions.
What?s it like? You can get some more intense racing action out of Need for Speed: Most Wanted.
Download the Appolicious Android app
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Women's Exposure to Chemicals May Explain Unexpected Breast Cancer
Deep in a laboratory freezer, 100,000 vials of blood have been frozen for the better part of five decades.
For scientist Barbara Cohn, it?s a treasure trove. Collected from more than 15,000 San Francisco Bay Area women after they gave birth in the 1960s, each vial of blood holds a woman?s lifetime of secrets.
Scientists say these vials could help them unravel one of the most enduring medical mysteries: Why do some women, with no family history, develop breast cancer?
The blood bears the chemical signature of environmental pollutants, some long banned, that the women were exposed to decades ago. Cohn, who directs the research in Berkeley, Calif., believes these early-life exposures may hold the key to understanding a woman's risk of breast cancer today.
The women's blood is being tested for traces of dozens of pollutants???used by industry and found in many consumer products???that can impersonate estrogen and other hormones. The theory is that early exposure to these chemicals, even before birth, inside the mother?s womb, may fundamentally alter the way that breast tissues grow, triggering cancer decades later.
Cancer patients and their doctors have long puzzled over what factors in a woman?s environment may raise her risk of breast cancer. One of every eight women in the United States is diagnosed with breast cancer during her lifetime, with more than 232,000 new cases diagnosed yearly, according to the American Cancer Society. Only five to 10 percent can be accounted for by genetics; other known risk factors include age, obesity and low physical activity.
Earlier this month, a science advisory panel?urged the federal government to fund more projects aimed at uncovering the environmental causes of breast cancer because eliminating these factors may provide the greatest opportunity to prevent it.
It?s particularly vexing for scientists because it?s difficult to unlock a woman?s exposures during her most critical times for breast development: in the womb and during puberty and pregnancy.
?As researchers looking at adult outcomes of disease processes such as breast cancer, one of the biggest challenges we face is trying to get a handle on prenatal exposures and what is going on in the prenatal environment,? said Shanna Swan, an environmental health scientist at Mount Sinai School of Medicine in New York.
Many scientists have been looking for connections between various environmental exposures and the disease???with mixed results. Some findings suggest links to a few chemicals, including the banned pesticide DDT. But others have found no link.
For example, experts from the American Cancer Society, reviewing previous studies, in 2002 found no association between breast cancer and chlorinated chemicals including DDT.
And in 2011, an institute of the National Academies of Sciences reported ?a possible link? between breast cancer and some common ingredients of vehicle exhaust, benzene and 1,3-butadiene. But the report?said the jury is still out for most other widespread chemicals, such as pesticides, ingredients of cosmetics and bisphenol A (BPA).
Source: http://rss.sciam.com/click.phdo?i=4be39565ab7b234106a46966811520a8
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Monday, February 25, 2013
Love Of Family & Home: Cleaning & Organizing Under The Kitchen ...
Hey Friends!
Have y'all had a good weekend?
The snow & ice that we got on Thursday, was pretty much melted the next day. Things have warmed up a bit & I'm starting to believe that spring is really just around the corner! Hopefully that is the last of our winter weather!
I wanted to drop in today, to share my project for this week's "Clean It" Challenge. Although this project isn't going to excite many of you, it was a project that was much needed in our kitchen! You see, even though our kitchen looks like this on the outside......
Things aren't quite so clean & pretty on the inside......
Exhibit A: Under The Kitchen Sink
Talk about "Keepin' It Real"....
This space was seriously A NIGHTMARE!!! As you can probably imagine, I couldn't ever find anything without digging for it. When I would start digging, things would start falling out. ?It was driving me batty & my husband wasn't thrilled about this so called disaster area under the sink either. Thankfully, this challenge gave me the motivation I needed to take control of this space!
The first thing I did was take EVERYTHING out!
Then I was left to sort through this mess.....
I got rid of the items we didn't need. I then sorted the rest into categories.
To brighten up the area & make things feel fresh & clean, I primed & painted the inside of the cabinet as well.
I picked up some inexpensive shelf liner at Walmart......
Once the paint was dry, I lined the bottom of the cabinet.....
This dark, dirty, dreadful area under the sink was already starting to feel clean & organized!! It's amazing what some small changes & can make!
Then I organized & put things back.....
I added an inexpensive paper towel holder to the inside of the cabinet door. And purchased a couple of Lazy Susan's to house all of my cleaning supplies. Not only does everything fit nice & neat, but I can easily reach my supplies with a simple turn.
Before, our washcloths & dish towels woud rest on the kitchen sink. Even folded nicely, it drove me crazy! So, I added some command hooks to the inside of my other cabinet door in order to be able to hang them instead.
I purchased an inexpensive wire shelf from Walmart to give me some more storage space without taking up room on the cabinet floor. It helped tremendously.?
I also bought some storage containers to house various items that I kept under the sink. Each container holds specific items so that they are easy to find. The storage containers fit perfectly on the new wire shelf.
And just so you can have a true appreciation for this project, let's take one more look at the "Before".....
And the "After"......
Much better, right?!
Can you spot the other change that I made?
I decided to paint the inside of the cabinet doors a beige color just for fun! I used some paint I already had on hand, so it didn't cost me anything & I kind like how it coordinates with the shelf liner on the bottom of the cabinet.
Well, what you think?!
Do you struggle with keeping the area under your kitchen sink organized?
Is there anyone else out there who has a pretty kitchen on the outside, but not so much on the inside?!
I would be lying if I told you that the rest of my kitchen cabinets were cleaned & organized. They are all pretty much a disaster! BUT, my goal is to change all that before this year is up! I'm gonna SLOWLY tackle each one of them until they are all as clean & organized as my cabinet under the sink!
To read about our kitchen makeover click HERE.
Don't forget to come back tomorrow for our "Clean It" Linky Party!! Come share your cleaning and/or organizing projects with us & be inspired by others!!
If you link up on just?ONE?of our blogs, your project will be see on all?NINE?sites!! So, get those projects completed & get your posts ready!!
If you don't have a blog, I would still?LOVE?for you to join in!! Share a picture of your project with me on my?Facebook Page! I will be sharing some of my favorites over the course of the week!
I hope you all have a beautiful Sunday!!
Source: http://www.loveoffamilyandhome.net/2013/02/organizing-under-the-kitchen-sink.html
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