Investment Finance and Business: A lesson on student loans ...

A lesson on student loans
Student Financial Education Services presents students with advice for dealing with loans.
by STUDENT FINANCIAL EDUCATION SERVICES

This article originally appeared in The Tiger on February 24, 2012 | PRINT

Understanding Your Student Loans
The majority of college students have them: student loans. Student loans have increased in popularity in recent years, mostly due to the increasing tuition rates seen across the country. As you near the end of your tenure here at Clemson, there are a few things to keep in mind that will better prepare you to deal with your student loans.
Where do I find my loans?
If you are like many students, you remember receiving the many pieces of mail over the past four years detailing your loans, but now you cannot seem to find the information. You most likely know your loans by the types of loans they are, like Stafford Loan, Perkins Loan and others. These loans are not all made by one company, but are sold off and serviced by a wide variety.
There is an easy-to-use resource to help locate all of your student loans and who they are owned or serviced by. The website to help you locate your student loans is http://www.nslds.ed.gov/nslds_SA/.
If you have private loans, such as those often made by banks or financial companies such as Discover, Citi, Bank of America or others, you may need to contact that financial institution directly, as their information is sometimes not located in the online database.
How do I pay my loans?
Once you graduate, you should be proactive about finding out when you need to start paying your student loans back.
Graduating from college can be a hectic time, and with all the address changes that you may be going through, it?s easy for mail to get misplaced or sent to the wrong address. It is the responsibility of the borrower, which would be you, to make contact with the owner or servicer of your loan(s) in order to find out when payments begin.
The owner or servicer of your loan will most likely offer you several options for repaying your loans, although not all companies offer these options, and some companies may offer more options. Here are a few basic options:
Standard Repayment: Think of this payment option as a standard loan, you make fixed payments that do not change from month to month for the standard repayment period (which is typically 10 years).
Extended Repayment: This payment option is similar to the standard payment option, except the payment period (which is the time it takes to pay back the loan) will be longer than the standard period. This type of repayment plan may be beneficial to those who have extremely large amounts of student loans and cannot afford the monthly payment under the standard repayment plan.
Graduated Repayment: A graduated repayment plan offers the advantage of allowing you to make lower monthly payments right when you get out of school with the monthly payment increasing every set period of time (such as every two or three years). This type of repayment plan is based on the ideal that your income will increase over time.
Income Dependent Repayment: This payment plan is available in certain government loan situations and allows the borrower to pay a certain percentage of their income toward the loan until the loan is paid off or until a time limit of 25 years is reached. If the time limit of 25 years is reached, the government will forgive the remaining balance on the debt, although tax implications may apply.
Although these are just a few of the standard payment options, it is important to keep your current situation in mind when determining which payment plan is right for you. It is also important to think of the payment plan in terms of which will cost you the most in interest, as opposed to those repayment plans that will accrue the least amount of interest. Students are responsible for verifying the information in this article prior to making financial decisions.
If you would like additional information on student loan payment plans or help understanding your student loan situation, please visit the Student Financial Education Office located in The Union, Office 805. You can set up an appointment by emailing us at sfes1@clemson.edu or calling us at (864) 656-7337.
Views: 32
View the discussion thread.
http://tourism9.com/??? http://vkins.com/

Source: http://witlines1.blogspot.com/2012/02/lesson-on-student-loans.html

serrano ground hog donald trump hunger games trailer hunger games trailer staten island chuck dr jekyll and mr hyde

Source: http://ukgada.posterous.com/investment-finance-and-business-a-lesson-on-s

dexter dexter facebook timeline kim jong il kim jong il vaclav havel vaclav havel

How to Invest/retire in Costa Rica Property with IRA/401k

Costa Rica Investment Costa Rica Retirement Has Wall Street stolen your future? See for yourself why Hacienda Matapalo is the best selling property in Costa Rica and why it was independently selected as one of the Top 10 Best Real Estate deals on the planet. Contact us now for a free virtual tour of Hacienda Matapalo and start enjoying the lifestyle you deserve and the financial peace of mind to do it! www.haciendamatapalo.com
Video Rating: 5 / 5

Source: http://whattoinvestin.com.au/how-to-investretire-in-costa-rica-property-with-ira401k/

ground hog donald trump hunger games trailer hunger games trailer staten island chuck dr jekyll and mr hyde edwin jackson

What Can Logbook Financial Products do for you personally ...

With the current economic climate struggling the way it is, there are many those who are researching ways to get payday loans or money that they?ll repay down the road. One of the ways that people are going to do this is with cash advance techniques. Cash loan systems have been produced to help people complete financial difficulty to ensure that individuals can cover their each day costs. The way in which cash loan methods work is that they provide you with small loan alternatives which will give people a quick term solutions when they are short on cash.

Prior to deciding if a cash advance method is right for you, you will need to comprehend what they?re. Cash advance systems aren?t for large numbers of funds like home mortgages are. The financial loans are created to hold people over till their next pay is available in and so they will pay that money-back. The financial loans get using a short period of time to pay them back and therefore are typically only for just a few thousand dollars at most. Also, individuals will not have for as long to pay for their financial loans again as those who take away home loans do.

With regards to choosing if a money advance system meets your needs, there are a few different alternatives you?ll have to consider. There are a number of different cash advance options available to people who require them. One of the most well-liked kinds of cash advance systems available right now are logbook loans. Logbook loans can help people get the short-term money that they must obtain financial situation back again on course. Logbook loans have become popular for a couple of diverse factors, are available with a number of different characteristics that lots of people see appealing.

With logbook loans, or pink- slip financial loans when they are called, a person is givena cash loan in return for their logbook or possession documents for their car. With a logbook loan, vehicle owners get to make use of their vehicle, but you are offering up the ownership rights to the home lender that offers the mortgage loan. With one of these financial loans, the car functions as security so the lenders know that they will end up their money again. There are numerous benefits to logbook lending options, but one of the greatest benefits that people are savoring is there?s no credit assessment needed as there are with a lot of other types of financial loans. That is primarily as you are already offering guarantee.

There are lots of individuals who actually prefer these kinds of cash advance loans since they gives a lot of people more income than other cash advance loans. With logbook financial loans many individuals are able to get about half of the worth of their automobile, which is typically enough to get most people by until their next paycheck. For this reason a lot of people, who require a little extra benefit their existing financial situation will turn to these specific types of financial loans.

Are you serious about logbook loans along with other financial details? If you need to learn more about logbook loans uk, you must certainly check out our site.

Source: http://articlewhale.com/finance/loans/what-can-logbook-financial-products-do-for-you-personally

exotic animals exotic animals scott hall lra lra collegeboard coco rocha

US, NKorea in first nuclear talks since Kim death (AP)

[unable to retrieve full-text content]

North Korea's First Vice Foreign Minister and envoy to the six-party talks Kim Kye-gwan (2nd L) enters a hotel after a meeting with U.S. Special Representative for North Korea Glyn Davies in Beijing in this photo taken by Kyodo on February 23, 2012. The U.S. envoy for the North Korean nuclear dispute said talks with Pyongyang's lead negotiator on Thursday were AP - The United States and North Korea met for a second day of talks Friday on restarting nuclear disarmament in return for aid, negotiations that were delayed by the death of North Korea's longtime leader Kim Jong Il two months ago.


Source: http://us.rd.yahoo.com/dailynews/rss/asia/*http%3A//news.yahoo.com/s/ap/20120224/ap_on_re_as/as_koreas_nuclear

dan uggla kryptos student loan forgiveness amy winehouse cause of death amy winehouse cause of death white witch white witch

Orangutan captivated at 'Born to Be Wild' showing

In this Monday, Feb. 20, 2012 photo, Indonesians stand in front of a poster of the movie "Born To Be Wild 3D" in Jakarta, Indonesia. The film about one woman's efforts to rescue orangutans and return them to Indonesia's rapidly disappearing jungles has made its way home. Indonesian President Susilo Bambang Yudhoyono hopes it will inspire his countrymen to work harder to save the red apes from extinction. (AP Photo/Achmad Ibrahim)

In this Monday, Feb. 20, 2012 photo, Indonesians stand in front of a poster of the movie "Born To Be Wild 3D" in Jakarta, Indonesia. The film about one woman's efforts to rescue orangutans and return them to Indonesia's rapidly disappearing jungles has made its way home. Indonesian President Susilo Bambang Yudhoyono hopes it will inspire his countrymen to work harder to save the red apes from extinction. (AP Photo/Achmad Ibrahim)

In this Monday, Feb. 20, 2012 photo, Canadian primatologist Birute Mary Galdikas speaks to reporters during a screening of the movie "Born To Be Wild 3D" in Jakarta, Indonesia. The film about one woman's efforts to rescue orangutans and return them to Indonesia's rapidly disappearing jungles has made its way home. Galdikas has more than 300 young orangutans at her care center just outside Tanjung Puting National Park on the island of Borneo. (AP Photo/Achmad Ibrahim)

In this Monday, Feb. 20, 2012 photo, Indonesian men walk past a poster of the movie "Born To Be Wild 3D" in Jakarta, Indonesia. The film about one woman's efforts to rescue orangutans and return them to Indonesia's rapidly disappearing jungles has made its way home. Indonesian President Susilo Bambang Yudhoyono hopes it will inspire his countrymen to work harder to save the red apes from extinction. (AP Photo/Achmad Ibrahim)

FILE - In this Oct. 25, 2008 file photo, Canadian primatologist Birute Mary Galdikas carries an orangutan named Isabel, helped by an unidentified assistant, before releasing her into the wild at Tanjung Puting National Park on Borneo island, Indonesia. The film "Born To Be Wild 3D" about Galdikas' efforts to rescue orangutans and return them to the country's rapidly disappearing jungles has made its way home. (AP Photo/Irwin Fedriansyah, File)

JAKARTA, Indonesia (AP) ? One of the orangutans starring in the IMAX film "Born to Be Wild" has been treated to a special jungle screening in Indonesia ? and was captivated until the trumpet of elephants scared her off.

The documentary follows two women who have devoted their lives to caring for orphaned animals ? Birute Galdikas in Indonesia and Daphne Sheldrick in Kenya.

Initially, Wednesday's screening on Borneo island was going to be held outside, but rain forced everyone into a hut.

Producer Drew Fellman said Thursday that Siswi ? the daughter of one of the first orangutans Galdikas cared for ? sat in the doorway and was engaged for the first 15 minutes.

But Fellman said that once the elephants arrived and started getting boisterous, Siswi got uncomfortable and ran off and climbed into a tree.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/4e67281c3f754d0696fbfdee0f3f1469/Article_2012-02-23-AS-Indonesia-Born-to-Be-Wild/id-0a6bfbcfd8c34112b73ff593e3b8e724

brooke mueller herman cain harry potter and the half blood prince city of ember city of ember virgin diaries kevin smith

Microbes may be engineered to help trap excess CO2 underground

[ Back to EurekAlert! ] Public release date: 23-Feb-2012
[ | E-mail | Share Share ]

Contact: Ellen R. Weiss
eweiss@biophysics.org
240-290-5606
American Institute of Physics

San Diego, Calif. In H.G. Wells' classic science-fiction novel, The War of the Worlds, bacteria save the Earth from destruction when the Martian invaders succumb to infections to which humans have become immune through centuries of evolution. If a team led by researchers at Lawrence Berkley National Laboratory's Center for Nanoscale Control of Geologic CO2 (NCGC) has its way, bacteria with a little assist from science will help prevent global destruction for real by trapping underground a greenhouse gas, carbon dioxide (CO2 ), that threatens Earth's climate.

The team will discuss its work at the 56th Annual Meeting of the Biophysical Society (BPS) in San Diego, Calif., held Feb. 25-29.

Among the methods being considered for removing excess CO2 (from sources such as power stations) from the atmosphere is transporting the gas into porous rock deep underground. There, it can mineralize with cations (positively charged atoms) to form solid carbonate minerals and become permanently trapped. This mineralization process, however, is extremely slow, sometimes taking hundreds to thousands of years.

Bacteria, the researchers predicted, might help speed things up.

"Previous studies have shown that underground bacteria remain in the rock after CO2 injection. We know these microbes can impact how minerals form, leading us to wonder if they also affect the rate of mineralization," says NCGC biochemist Jenny Cappuccio. "And if bacteria could enhance the nucleation of carbonate minerals, then perhaps we could fine-tune that ability in the laboratory."

Using different surface bacteria as proxies for their deeper-dwelling cousins, the researchers first examined the microbes' effect on calcium carbonate formation, and discovered that all of the species accelerated the process. The rate, they report, was highest in microbes whose surfaces have a thin protein shell known as an S-layer.

"We suspected that the negative charge of the S-layer attracted positive calcium ions and brought them in proximity with carbonate," Cappuccio says.

To test this theory, the researchers engineered artificial S-layers and increased their negative charge by attaching a loop of six amino acids what Cappuccio calls a "loop of negativity." When carbonate was introduced, nucleation was significantly increased.

The next step, Cappuccio says, will be to culture deep subsurface microbes in the lab, make nanoscale changes to increase the negative charge of their surfaces, and see if that "tuning" makes them better able to speed up carbonate nucleation.

The presentation, "Tuning microbial surfaces to control carbonate mineralization," is at 1:45 p.m. on Sunday, Feb. 26, 2012, in the San Diego Convention Center, Hall FGH. ABSTRACT: http://tinyurl.com/7vgl8va

###

This news release was prepared for the Biophysical Society (BPS) by the American Institute of Physics (AIP).

ABOUT THE 2012 ANNUAL MEETING

Each year, the Biophysical Society Annual Meeting brings together over 6,000 research scientists in the multidisciplinary fields representing biophysics. With more than 4,000 poster presentations, over 200 exhibits, and more than 20 symposia, the BPS Annual Meeting is the largest meeting of biophysicists in the world. Despite its size, the meeting retains its small-meeting flavor through its subgroup meetings, platform sessions, social activities, and committee programs.

The 56th Annual Meeting will be held at the San Diego Convention Center (111 W. Harbor Drive, San Diego, CA 92101), located three miles from the San Diego International Airport and less than one mile from the Amtrak station. The San Diego Trolley has two stops directly in front of the Center at Harbor Drive/First Avenue and Harbor Drive/Fifth Avenue.

QUICK LINKS

Meeting Home Page: http://www.biophysics.org/2012meeting/Main/tabid/2386/Default.aspx

Housing and Travel Information: http://www.biophysics.org/2012meeting/AccommodationsTravel/HotelInformation/tabid/2479/Default.aspx

Program Abstracts and Itinerary Planner: http://www.abstractsonline.com/plan/start.aspx?mkey=%7B5B4BAD87%2D5B6D%2D4994%2D84CE%2DB3B13E2AEAA3%7D

PRESS REGISTRATION

The Biophysical Society invites credentialed journalists, freelance reporters working on assignment, and public information officers to attend its Annual Meeting free of charge. For more information on registering as a member of the press, contact Ellen Weiss, Director of Public Affairs and Communications (eweiss@biophysics.org, 240-290-5606), or visit http://www.biophysics.org/2012meeting/Registration/Press/tabid/2477/Default.aspx.

ABOUT BPS

The Biophysical Society (BPS), founded in 1956, is a professional scientific society established to encourage development and dissemination of knowledge in biophysics. The Society promotes growth in this expanding field through its annual meeting, monthly journal, and committee and outreach activities. Its 9000 members are located throughout the U.S. and the world, where they teach and conduct research in colleges, universities, laboratories, government agencies, and industry. For more information on the Society or the 2012 Annual Meeting, visit www.biophysics.org.


[ Back to EurekAlert! ] [ | E-mail | Share Share ]

?


AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.


[ Back to EurekAlert! ] Public release date: 23-Feb-2012
[ | E-mail | Share Share ]

Contact: Ellen R. Weiss
eweiss@biophysics.org
240-290-5606
American Institute of Physics

San Diego, Calif. In H.G. Wells' classic science-fiction novel, The War of the Worlds, bacteria save the Earth from destruction when the Martian invaders succumb to infections to which humans have become immune through centuries of evolution. If a team led by researchers at Lawrence Berkley National Laboratory's Center for Nanoscale Control of Geologic CO2 (NCGC) has its way, bacteria with a little assist from science will help prevent global destruction for real by trapping underground a greenhouse gas, carbon dioxide (CO2 ), that threatens Earth's climate.

The team will discuss its work at the 56th Annual Meeting of the Biophysical Society (BPS) in San Diego, Calif., held Feb. 25-29.

Among the methods being considered for removing excess CO2 (from sources such as power stations) from the atmosphere is transporting the gas into porous rock deep underground. There, it can mineralize with cations (positively charged atoms) to form solid carbonate minerals and become permanently trapped. This mineralization process, however, is extremely slow, sometimes taking hundreds to thousands of years.

Bacteria, the researchers predicted, might help speed things up.

"Previous studies have shown that underground bacteria remain in the rock after CO2 injection. We know these microbes can impact how minerals form, leading us to wonder if they also affect the rate of mineralization," says NCGC biochemist Jenny Cappuccio. "And if bacteria could enhance the nucleation of carbonate minerals, then perhaps we could fine-tune that ability in the laboratory."

Using different surface bacteria as proxies for their deeper-dwelling cousins, the researchers first examined the microbes' effect on calcium carbonate formation, and discovered that all of the species accelerated the process. The rate, they report, was highest in microbes whose surfaces have a thin protein shell known as an S-layer.

"We suspected that the negative charge of the S-layer attracted positive calcium ions and brought them in proximity with carbonate," Cappuccio says.

To test this theory, the researchers engineered artificial S-layers and increased their negative charge by attaching a loop of six amino acids what Cappuccio calls a "loop of negativity." When carbonate was introduced, nucleation was significantly increased.

The next step, Cappuccio says, will be to culture deep subsurface microbes in the lab, make nanoscale changes to increase the negative charge of their surfaces, and see if that "tuning" makes them better able to speed up carbonate nucleation.

The presentation, "Tuning microbial surfaces to control carbonate mineralization," is at 1:45 p.m. on Sunday, Feb. 26, 2012, in the San Diego Convention Center, Hall FGH. ABSTRACT: http://tinyurl.com/7vgl8va

###

This news release was prepared for the Biophysical Society (BPS) by the American Institute of Physics (AIP).

ABOUT THE 2012 ANNUAL MEETING

Each year, the Biophysical Society Annual Meeting brings together over 6,000 research scientists in the multidisciplinary fields representing biophysics. With more than 4,000 poster presentations, over 200 exhibits, and more than 20 symposia, the BPS Annual Meeting is the largest meeting of biophysicists in the world. Despite its size, the meeting retains its small-meeting flavor through its subgroup meetings, platform sessions, social activities, and committee programs.

The 56th Annual Meeting will be held at the San Diego Convention Center (111 W. Harbor Drive, San Diego, CA 92101), located three miles from the San Diego International Airport and less than one mile from the Amtrak station. The San Diego Trolley has two stops directly in front of the Center at Harbor Drive/First Avenue and Harbor Drive/Fifth Avenue.

QUICK LINKS

Meeting Home Page: http://www.biophysics.org/2012meeting/Main/tabid/2386/Default.aspx

Housing and Travel Information: http://www.biophysics.org/2012meeting/AccommodationsTravel/HotelInformation/tabid/2479/Default.aspx

Program Abstracts and Itinerary Planner: http://www.abstractsonline.com/plan/start.aspx?mkey=%7B5B4BAD87%2D5B6D%2D4994%2D84CE%2DB3B13E2AEAA3%7D

PRESS REGISTRATION

The Biophysical Society invites credentialed journalists, freelance reporters working on assignment, and public information officers to attend its Annual Meeting free of charge. For more information on registering as a member of the press, contact Ellen Weiss, Director of Public Affairs and Communications (eweiss@biophysics.org, 240-290-5606), or visit http://www.biophysics.org/2012meeting/Registration/Press/tabid/2477/Default.aspx.

ABOUT BPS

The Biophysical Society (BPS), founded in 1956, is a professional scientific society established to encourage development and dissemination of knowledge in biophysics. The Society promotes growth in this expanding field through its annual meeting, monthly journal, and committee and outreach activities. Its 9000 members are located throughout the U.S. and the world, where they teach and conduct research in colleges, universities, laboratories, government agencies, and industry. For more information on the Society or the 2012 Annual Meeting, visit www.biophysics.org.


[ Back to EurekAlert! ] [ | E-mail | Share Share ]

?


AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.


Source: http://www.eurekalert.org/pub_releases/2012-02/aiop-mmb022312.php

bloom energy franklin graham jambalaya the bachelor basketball wives deron williams the voice

No. 2 Syracuse beats South Florida 56-48

South Florida's Augustus Gilchrist drives against Syracuse's Baye Keita during the first half of an NCAA college basketball game in Syracuse, N.Y., Wednesday, Feb. 22, 2012. (AP Photo/KevinRivoli)

South Florida's Augustus Gilchrist drives against Syracuse's Baye Keita during the first half of an NCAA college basketball game in Syracuse, N.Y., Wednesday, Feb. 22, 2012. (AP Photo/KevinRivoli)

Syracuse's Kris Joseph, left, shoots against South Florida's Augustus Gilchrist during the first half of an NCAA college basketball game in Syracuse, N.Y., Wednesday, Feb. 22, 2012. (AP Photo/KevinRivoli)

South Florida's Jawanza Poland drives against Syracuse's C.J. Fair during the first half of an NCAA college basketball game in Syracuse, N.Y., Wednesday, Feb. 22, 2012. (AP Photo/KevinRivoli)

South Florida's Ron Anderson, left, is pressured by Syracuse's Fab Melo and Kris Joseph during the first half of an NCAA college basketball game in Syracuse, N.Y., Wednesday, Feb. 22, 2012. (AP Photo/KevinRivoli)

(AP) ? Scoop Jardine scored 15 points to help No. 2 Syracuse overcome a 13-point first-half deficit and beat South Florida 56-48 on Wednesday night.

Kris Joseph had 12 points and nine rebounds for the Orange (28-1, 15-1 Big East), who matched school records for most regular-season and conference victories ? both set in 2009-10.

Anthony Collins scored 16 points for the Bulls, who endured a 12:33 stretch without a point spanning halftime. South Florida (17-11, 10-5) had a four-game winning streak snapped and dropped to 1-9 against Syracuse.

The game was decided in the final 5 minutes, with the Orange leading 47-46.

Jardine was fouled making a layup with 4:04 left. He completed the three-point play, and Joseph added two putbacks of his own misses to seal the win.

It was a game of back-and-forth runs.

South Florida took advantage of Syracuse's cold-shooting offense by opening an 18-5 lead 10:25 in when Augustus Gilchrist hit a 10-footer from the paint. After going 2-for-14 from the field, the Orange mounted a rally of their own, scoring 26 straight points.

The run began with Dion Waiters scoring in the post to cut the Bulls lead to 18-7 with 9:19 left in the first half. And it ended with Jardine scoring on the transition 2:05 into the second half to put the Orange ahead 33-20.

The Bulls weren't done.

After missing 13 consecutive attempts from the field, Hugh Robertson finally scored 2:33 into the second half. South Florida eventually cut the lead to 5 on two occasions, before going off on a 9-0 run, capped by Collins hitting a 10-footer from the paint with 6:25 left.

This marked only the second time this season the Orange have trailed by double digits. And the only other time that happened came in a 67-58 loss at Notre Dame on Jan. 21.

Syracuse has now won eight in a row since that loss.

The Orange wore their one-time only Nike-designed uniforms, designated for teams who have won a national title. The jerseys were gray ? officially, platinum ? with an orange stripe down each side.

And at first glance, the uniforms weren't the only thing looking unusual about the Orange through the first 10 minutes of the first half. They opened hitting two of their first 14 attempts, and trailed 18-5 after Augustus Gilchrist hit a 10-footer with 9:35 left in the period.

C.J. Fair finished with 13 points and was the only Orange player to hit a field goal ? going 2-for-3 ? before Waiters scored in the post with 9:19 left to prompt the run. Jardine hit a 3-point basket from at least 25 feet to give Syracuse momentum with 5:48, and the crowd erupted 90 seconds later when Jardine drove up the left wing on the transition and fed Kris Joseph for an alley-oop, to cut the Bulls lead to 20-18.

Syracuse was sluggish and stymied by an aggressive Bulls defense. And South Florida also set the pace in the offensive end with a patient halfcourt style.

Down 24-20 at the break, South Florida did hold an opponent to under 30 points in the first half for the 24th time in 28 games. And yet it was their lack of offense that cost the Bulls.

South Florida finished 20 of 52 from the field after opening 9 of 11.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/347875155d53465d95cec892aeb06419/Article_2012-02-22-BKC-T25-South-Florida-Syracuse/id-72a6b7ecf6604e6aa11dd8710fdb07b8

gunner kiel groundhog soulja boy punxsutawney phil groundhog day did the groundhog see his shadow john goodman

Toward a personalized treatment against diabetes

[ Back to EurekAlert! ] Public release date: 22-Feb-2012
[ | E-mail | Share Share ]

Contact: Emmanouil Dermitzakis
emmanouil.dermitzakis@unige.ch
41-788-827-922
Universit de Genve

Gathering experts from 21 European academic institutions and key players of the pharmaceutical industry, the DIRECT project (DIabetes REsearch for patient straTification) will focus on the stratification of patients with type 2 diabetes in order to develop personalized treatments, that would therefore be more efficient. This 54 million Swiss franc project is supported by the Innovative Medicine Initiative (IMI), a joint programme of the European Commission and the European Federation of Pharmaceutical Industries and Associations (EFPIA).

The University of Geneva (UNIGE)'s team, coordinated by Emmanouil Dermitzakis, Professor at the Department of genetic medicine and development, will play a key role in the experimental and statistical analysis of the biological measurements collected.

Type 2 diabetes is a pandemic disease which currently affects 285 million people worldwide and which is anticipated to affect 439 million people by 2030. To develop more efficient treatments, scientists recommend a stratified approach which consists in adapting the treatment to the patient depending on his biological caracteristics.

The DIRECT consortium believes that patients with type 2 diabetes can be stratified into "profiles" or subtypes that may progress or be treated differently to other subtypes. This will result in the development of new personalized treatments against diabetes.

Over a seven year period, the consortium aims to develop biomarkers and tests to emphasize the differential caracteristics of diabetic patients. Around 150 researchers will collect phenotypic and genomic data from pre-diabetic and diabetic patients. More than 100 000 samples of well-caracterized type 2 diabetes patients will be provided by scientists to identify patient profiles, understand the dissimilarities and develop a personalized medicines approach to treatment of diabetes.

Experimental and statistical analysis: the Genevan asset

The UNIGE will be strongly involved in this European project by playing an essential role in the experimental and statistical analysis of the biological measurements collected from diabetic patients. The UNIGE's team, coordinated by Emmanouil Dermitzakis, in collaboration with Philippe Halban, Professor at the Department of genetic medicine and development, will compile genomic and molecular data and participate in the analysis of the various patient profiles. Integrated models will then be identified to provide a stratification of patients suffering from type 2 diabetes.

According to Professor Dermitzakis, "the DIRECT project is the perfect example of the beneficial merger between traditional diagnosis of type 2 diabetes and state-of-the-art technologies. The recent groundbreaking developments in genomic research and genetic analysis has enabled such an exercise that is simply the beginning of a new way of delivering personalized medical services to the population".

###


[ Back to EurekAlert! ] [ | E-mail | Share Share ]

?


AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.


[ Back to EurekAlert! ] Public release date: 22-Feb-2012
[ | E-mail | Share Share ]

Contact: Emmanouil Dermitzakis
emmanouil.dermitzakis@unige.ch
41-788-827-922
Universit de Genve

Gathering experts from 21 European academic institutions and key players of the pharmaceutical industry, the DIRECT project (DIabetes REsearch for patient straTification) will focus on the stratification of patients with type 2 diabetes in order to develop personalized treatments, that would therefore be more efficient. This 54 million Swiss franc project is supported by the Innovative Medicine Initiative (IMI), a joint programme of the European Commission and the European Federation of Pharmaceutical Industries and Associations (EFPIA).

The University of Geneva (UNIGE)'s team, coordinated by Emmanouil Dermitzakis, Professor at the Department of genetic medicine and development, will play a key role in the experimental and statistical analysis of the biological measurements collected.

Type 2 diabetes is a pandemic disease which currently affects 285 million people worldwide and which is anticipated to affect 439 million people by 2030. To develop more efficient treatments, scientists recommend a stratified approach which consists in adapting the treatment to the patient depending on his biological caracteristics.

The DIRECT consortium believes that patients with type 2 diabetes can be stratified into "profiles" or subtypes that may progress or be treated differently to other subtypes. This will result in the development of new personalized treatments against diabetes.

Over a seven year period, the consortium aims to develop biomarkers and tests to emphasize the differential caracteristics of diabetic patients. Around 150 researchers will collect phenotypic and genomic data from pre-diabetic and diabetic patients. More than 100 000 samples of well-caracterized type 2 diabetes patients will be provided by scientists to identify patient profiles, understand the dissimilarities and develop a personalized medicines approach to treatment of diabetes.

Experimental and statistical analysis: the Genevan asset

The UNIGE will be strongly involved in this European project by playing an essential role in the experimental and statistical analysis of the biological measurements collected from diabetic patients. The UNIGE's team, coordinated by Emmanouil Dermitzakis, in collaboration with Philippe Halban, Professor at the Department of genetic medicine and development, will compile genomic and molecular data and participate in the analysis of the various patient profiles. Integrated models will then be identified to provide a stratification of patients suffering from type 2 diabetes.

According to Professor Dermitzakis, "the DIRECT project is the perfect example of the beneficial merger between traditional diagnosis of type 2 diabetes and state-of-the-art technologies. The recent groundbreaking developments in genomic research and genetic analysis has enabled such an exercise that is simply the beginning of a new way of delivering personalized medical services to the population".

###


[ Back to EurekAlert! ] [ | E-mail | Share Share ]

?


AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.


Source: http://www.eurekalert.org/pub_releases/2012-02/udg-tap022112.php

lacuna lacuna paranormal activity 3 trailer paranormal activity 3 trailer oomph oomph cmj

Living With Kids: Natalie Wright

You might recognize Natalie Wright from television; she?s more than a little famous! Her stylishly-salvaged home was recently featured on the Nate Berkus show in a House Proud segment to no one?s surprise. She has good ideas, Friends, and she isn?t afraid to make them happen, from hooks hung low to keys hung high, to accessible antiques and collections galore. One of Nate?s favorite things about Natalie?s home is exactly the same as mine: her $4 mail sorter in which she displays her vintage camera collection. Just add that to the list of one-of-a-kind creations Natalie has amassed to make her house a home. Enjoy the tour!

Q: Tell us about the lucky ones living in this well-loved home?

A: I have lived in my home for seven years with my husband and our four children, ages 13, 11, six, and three. We moved here from Maine, and even though it was quite a change for our family, we love living in Utah. My husband and I both have degrees in photography. He works in fine art publishing, and I have always been drawn towards portraiture and commercial work. My favorite hobby is trying new hobbies! I love to learn new things and am always trying something I have never done before.

Q: How did this house become your home?

A: When our family moved to Utah we needed to be in a home fast! We have a son who is disabled, and we actually chose our home entirely based on a local school we found?available?for him. We loved our house when we found it, but we also knew we would make it our own. I was always painting and changing our last home, and my husband and I knew we could make just about anything work for us.

I don?t get discouraged by architecture or aesthetics. If there is something in my home that bothers me, I change it. I don?t change it overnight though. I am a very thrifty and patient person. When I have an idea, the right piece of furniture or materials always seem to show up eventually.

Q: How would you describe your decorating aesthetic? How has it changed since kids entered the mix?

A: I am constantly asked what my style is. I have no idea! I am a photographer. I can tell you how to take great pictures of your house, but I cannot tell you what your home style is. I have dubbed my style really cool crap, which it is! I love to be different, and if I find something unique I just make it work.

When it comes to my whole family, they are really good about playing along. For example, a neighbor came over to help remove molding and do some electrical work a few days ago. I wasn?t home and he later laughed with me about how it didn?t faze my kids one bit there was a man in our home tearing up a wall. They are used to finding the furniture in different places, and sometimes even make really great?suggestions.

I have only one rule in my house when it comes to kids. Everything can be touched or played with. I want my children to be comfortable in their own home. We have a collection of vintage Fisher Price toys we play with every day. It?s the same for whoever enters our home. Keep your muddy shoes on if you like, and raid the fridge if you?re hungry. I should put that in vinyl?somewhere.

Q: What are your greatest sources for inspiration, design-wise or personally?

A: I love art. They say photographers are artists who just can?t draw, which I think is so true! I find so much?beauty?and inspiration in artwork.


I also find most of my inspiration when thrifting or shopping. I would much rather walk the aisles of a home?improvement?store than a shopping mall. I see inspiration in everything. Whether I am at a yard sale or thrift store, my brain is just spilling over with ideas. The only thing holding me back is time. And money! I never have enough time in the day to do it all. Sounds familiar, I?m sure!

Q: You have a serious knack with mixing vintage pieces with modern. What?s your secret?

A: I have a real appreciation for family history, and so many pieces in my home were inspired by my ancestors and family. I am also a total tech girl and I love modern technology. The two seem to have?collided?in my home. We just installed a vintage pull-down movie screen in our living room so we can project family movies with our iPhones. See what I mean?

My parents also graciously hand down to me many fun and unique pieces. My father was a builder, a mechanic, and quite the collector of unique tools and furniture. He has just learned to call me first before throwing anything away!

Q: Tell us about the Nate Berkus show! How did he find you? What was your favorite part of the experience?

A: I did not apply to be on the Nate Berkus Show. I adore the show, but being in front of a camera scares me to death. I actually received a message on Twitter from one of the producers. I thought it was a friend teasing me and wrote back scolding him for taking advantage of women who love and appreciate good DIY television. Turns out he was legit.


The whole experience happened so fast. As soon as I knew I was going to be on the show I literally had just a few days to film and send the footage on to New York. If you were to tell me I was going to be on national television I would have at least bought new clothes. I had two options. Go shopping and get my hair done, or get my house in order. My house won. Ironically I had just bought hair extensions a few days before. My hair was a mess. It?s was like buying new ice skates and performing at the Olympics the next day. My hair had not yet been worn in. I can look back now and laugh, but I certainly can never go back and fix my hair. I also change my look as much as I change my house. Three days after filming I cut my new hair to a more appropriate?length. Maybe it?s good no one will ever recognize me!



If I had to pick a favorite part of the whole?experience, it would have nothing to do with my home or my blog. My friends and family really stood by me, loved me,?hugged?me, and congratulated me. They really helped make me feel proud of what I have accomplished in my home, and also in my life. I love the?relationships I made during the process. Social networking is a very big part of what I do professionally, and I cherish more than anything the friendships and relationships I have formed. I love meeting new people and making new friends. I rarely turn down opportunities because?I know I will meet cool and unique people along the way.

Q: Your backyard is wonderful! Chickens! A modern playhouse! What?s your ritual out back? How do you spend time out there?

A: Unfortunately,?a love for anything tech-related is hereditary, and my kids are just as bad as I am! Our backyard is our attempt to unplug our children. So far it seems to be working. When the weather is nice we spend every evening we can back there. Our fire pit is our favorite and gets lighted nightly.

I would be lying if I said we haven?t tested our wi-fi to make sure it reaches back there, but most nights we do relax and spend time as a family. The fire pit and playhouse in our backyard seem to be the favorites with my kids.

As for the chickens, my husband refers to them as our food storage! Our six year old received them for her birthday last year. She had been begging for a puppy, and she got four pet chicks instead. Not a bit?disappointed, she has named them all! We often refer to her as the Chicken Whisperer. The chickens have just become a natural part of our family, and when neighbors tease us about them we remind them that their pet dog doesn?t produce?delicious?eggs every morning!



Q: Where do you shop for home decor?

A: Having lived in different places, this list would certainly vary by location. For where I live now, these are my favorite places to shop in order of greatest to least:

Surplus sales. Very few people know the ins-and-outs, but they are by far the best bottom dollar prices.

Yard sales. Fabulous prices, but I highly recommend going early to get the best deals. I go every Saturday in the summer with my friends.

Craigslist. I go online a few times a week and do a search just by my city name alone. I don?t like to drive far and I always leave my options open for a good deal, so a city search works for me.

Antique stores. We don?t have many here, but I always find something I love.

Thrift shops. The thrift stores here are unfortunately very picked through. I rarely find anything, but once in a great while I strike gold.

I will admit, I am rarely looking for something specific. I guess that?s why my home is constantly changing. I am always finding something I love, and I am really good at letting go of what it is replacing.

Q: Tell us about your favorite spot in your home; the one you?ve got just right.


A: A few years ago we turned our third-car garage into a photo studio. It is by far my favorite place in my home. It?s cold in the winter, and hot in the summer, but I tend to gravitate there at least once a day. I have a corner set aside just for my kids, and I never worry about the mess.


Everyone needs a place where they can be creative and just walk away when they need to. If you love to read, you should allow yourself one side table where you can pile books to the ceiling. My studio is that place for me. I would not say my studio is complete or finished either. It?s constantly changing to fit my photography needs, but that?s one thing I love about the space. I allow it to be my dumping grounds sometimes, and I feel inspired every time I walk into it.


Q: How much influence does your family have on decor?

A: I think of my?children?as the product testers in our home. If they feel welcome and relaxed, I know others will, too. I once decorated my teenage?daughter?s?room, and I was in love with the results. I felt the room was such a wonderful representation of my artistic style and possibilities. It photographed?beautifully, and I received wonderful feedback on my blog.


After a few weeks, I realized in her small bedroom how impractical it was to have her bed in the middle of the room. The rug I had chosen wasn?t at all comfortable even though it was such a lovely rug. I made some serious changes, and soon afterwards saw her spending enjoyable time alone in her room again. I will admit it was hard to alter the design of the room, but as I often tell people, we live here! Our home is not for show; we actually do throw our jackets on the floor and leave dirty dishes in the sink.

Q: Please finish the sentence: I wish I would have known?

A: I always wish I knew more about building homes. My father was a builder and I will always regret not spending more time with him at whatever?job-site?he was working on. When I was a teenager he let me use a paint sprayer to paint a basement wall. I was in heaven! I wish I would have paid more attention to how things worked, and learned early the tricks of the trade. It wasn?t until I was married and had my first?baby?that I fell in love again with house painting and home?improvement. Luckily my dad is just a phone call away and is always willing to coach me over the phone.

Just a few weeks ago he called me and gently said, ?Natalie, I just don?t know that gluing pennies all over your kitchen wall is such a good idea.? Yeah. He gives pretty good advice.

?-

Thank you, Natalie! And be sure to show your dad these projects made for pennies?with pennies!

Friends, don?t you love Natalie?s philosophy of carving out at least one space in our homes where we can be creative and just walk away from the mess when we?re through? An art room with a door is one of life?s loveliest inventions, don?t you think? Do you have a space like this, or do you clean up after each inspiration session?

P.S. ? You can find all the homes in my Living With Kids series here. If you?d like to share your home with us, drop me a note. I?d love to hear from you!

Related Posts with Thumbnails -->

Source: http://www.designmom.com/2012/02/living-with-kids-natalie-wright/

detroit red wings red wings xi jinping jeremy lin matt bomer westminster kennel club dog show wanderlust

LIDAR Map Shows Height of Earth's Forests

With all this remote sensing and especially with the now (more) common use of ACTIVE sensors, is there any way the average, non-James Bond citizen can know what exactly he's being scanned with?

No, the average citizen cannot know that. The reason is that the emitter is usually not constrained by cost, and emitters exist only in small quantities. For example, that TSA scanner van may exist in quantity one, but the whole population of the USA may be required to be on the lookout for it.

Those emitters also

Source: http://rss.slashdot.org/~r/Slashdot/slashdotScience/~3/I9SnTvlh65g/lidar-map-shows-height-of-earths-forests

arizona diamondbacks arizona diamondbacks alex rodriguez alicia witt alicia witt nobel peace prize verizon wireless