Thursday, February 2, 2012

Your guide to workers' compensation insurance : Jumpstart:HR ...

Your guide to workers? compensation insurance

Your guide to workers? compensation insurance

A newly published guide for Business Owners and HR Professionals has been published on InsuranceQuotes.com. It features Seven important tips that must be considered to help employers save money and decrease the stress surrounding this process. The guide features the following quote and supporting information from Jumpstart:HR CEO Joey V. Price:

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7. Make note of pre-existing conditions.

Workers sometimes get hurt on the job by tweaking a pre-existing injury, says Joey Price, CEO of Jumpstart HR, a human resources consulting firm in Washington, D.C. A construction worker who injured a knee while playing sports several years ago, for instance, may be more likely to suffer knee problems while working at the project site.

For?pre-existing conditions, you may be able to prove that your work site did not contribute to the injury, Price says. Doing so can free you from any liability charges that may arise from an incident. Screen employees during the hiring process, and document any pre-existing conditions. If an injury does occur, you?ll have notes ready to help assess the situation.

To read the guide in full, visit this link.

To learn more about how Jumpstart:HR can help you navigate the challenges of WC Insurance, send a message here to schedule your free 30 minute consultation.

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About The Author

Joey V. Price is the founder of HR and Leadership Consulting firm Jumpstart:HR. His HR and Career Management expertise has been featured in publications such as TheLadders.com, CNN.com, Workforce Management Magazine, CareerBuilder.com, BlackEnterprise.com and more. Joey is also the author of the high charting career management book entitled "Never Miss the Mark." It can be found on Amazon Kindle, Apple iTunes, Barnes and Nobles Nook and Sony Reader. To schedule a call or meeting with Joey, click here.

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Source: http://jumpstart-hr.com/your-guide-to-workers-compensation-insurance

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Self-assembling nanorods: Researchers obtain 1-, 2- and 3-D nanorod arrays and networks

ScienceDaily (Feb. 1, 2012) ? A relatively fast, easy and inexpensive technique for inducing nanorods -- rod-shaped semiconductor nanocrystals -- to self-assemble into one-, two- and even three-dimensional macroscopic structures has been developed by a team of researchers with the U.S. Department of Energy (DOE)'s Lawrence Berkeley National Laboratory (Berkeley Lab). This technique should enable more effective use of nanorods in solar cells, magnetic storage devices and sensors. It should also help boost the electrical and mechanical properties of nanorod-polymer composites.

Leading this project was Ting Xu, a polymer scientist who holds joint appointments with Berkeley Lab's Materials Sciences Division and the University of California (UC) Berkeley's Departments of Materials Sciences and Engineering, and Chemistry. Xu and her research group used block copolymers -- long sequences or "blocks" of one type of monomer bound to blocks of another type of monomer -- as a platform to guide the self-assembly of nanorods into complex structures and hierarchical patterns. Block copolymers have an innate ability to self-assemble into well-defined arrays of nano-sized structures over macroscopic distances.

"Ours is a simple and versatile technique for controlling the orientation of nanorods within block copolymers," Xu says. "By varying the morphology of the block copolymers and the chemical nature of the nanorods, we can provide the controlled self-assembly in nanorods and nanorod-based nanocomposites that is critical for their use in the fabrication of optical and electronic devices."

Xu is the corresponding author of a paper describing this research that has been published in the journal Nano Letters. Co-authoring the paper were Kari Thorkelsson, Alexander Mastroianni and Peter Ercius.

Nanorods -- particles of matter a thousand times smaller than the stuff of today's microtechnologies -- display highly coveted optical, electronic and other properties not found in macroscopic materials. To fully realize their vast technological promise, however, nanorods must be able to assemble themselves into complex structures and hierarchical patterns, similar to what nature routinely accomplishes with proteins.

Xu and her research group first enlisted block copolymers as allies in this self-assembly effort in 2009, working with the spherical nanoparticles commonly known as quantum dots. In that study, they lashed quantum dots to block copolymers via a "mediator" of small adhesive molecules. In this latest development, Xu and her group again made use of adhesive molecules, but this time to mediate between the nanorods and supramolecules of block copolymers. A supramolecule is a group of molecules that act as a single molecule able to perform a specific set of functions.

"Block copolymer supramolecules self-assemble and form a wide range of morphologies that feature microdomains typically a few to tens of nanometers in size," Xu says. "As their size is comparable to that of nanoparticles, the microdomains of block copolymer supramolecules provide an ideal structural framework for the co-assembly of nanorods."

Xu and her group incorporate nanorods into solutions of block copolymer supramolecules that form spherical, cylindrical and lamellar microdomains. During the drying process energy is contributed to the system from the interactions between nanorod ligands and polymers, the entropy associated with polymer chain deformation upon nanorod incorporation, and the interactions between individual nanorods. Xu and her group observed that these energetic contributions determine the placement and distribution of the nanorods, as well as the overall morphology of the nanorod-block copolymer composites. These energetic contributions can be easily tuned by varying the supramolecular morphology, which is accomplished simply by attaching different types of small molecules to the side chains of the block copolymers.

"We can readily access a wide library of nanorod assemblies including arrays of nanorods aligned parallel to block copolymer cylindrical microdomains, continuous nanorod networks, and nanorod clusters," Xu says. "Since the macroscopic alignment of block copolymer microdomains can be obtained in bulk and in thin films by the application of external fields, our technique should open up a viable route to manipulate the macroscopic alignments of nanorods."

This new technique can produce ordered arrays of nanorods that are macroscopically aligned with tunable distances between individual rods -- a morphology that lends itself to the production of plasmonics, which are materials that hold great promise for superfast computers, ultra-powerful optical microscopes, and even the creation of invisibility carpets. It is also a straightforward nanoparticle self-assembly technique that can produce a continuous network of nanorods with nanoscopic separation distances. Such networks can enhance the macroscopic properties of nanocomposites, including electrical conductivity and material strength.

Xu credits much of the success of this research to the exceptional capabilities and staff at the National Center for Electron Microscopy (NCEM), a DOE national user facility at Berkeley Lab, which is home to the world's most powerful electron microscopes.

"For the study of three-dimensional nanorod assemblies, we needed to implement high-resolution tomography and this posed a challenge not only for collecting the imaging data but also for processing it," Xu says. "The expertise and skill of NCEM's Peter Ercius was invaluable."

Most of this work was done on NCEM's 200kV monochromated UT Tecnai microscope, an instrument designed to produce optimum high resolution performance in both transmission and scanning transmission electron microscopy modes.

Xu and her group are now investigating the self-assembly of semiconductor nanocrystals that take the shapes of cubes or tetrapods, both of which have important potential applications for photovoltaic and other technologies.

"We'd also like to investigate the self-assembly of nanoparticles into combinations of different shapes," Xu says.

This research was supported by the DOE Office of Science.

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Story Source:

The above story is reprinted from materials provided by DOE/Lawrence Berkeley National Laboratory.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.


Journal Reference:

  1. Kari Thorkelsson, Alexander J. Mastroianni, Peter Ercius, Ting Xu. Direct Nanorod Assembly Using Block Copolymer-Based Supramolecules. Nano Letters, 2012; 12 (1): 498 DOI: 10.1021/nl2040089

Note: If no author is given, the source is cited instead.

Disclaimer: Views expressed in this article do not necessarily reflect those of ScienceDaily or its staff.

Source: http://www.sciencedaily.com/releases/2012/02/120201142404.htm

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Is Your Brain a Barrier to Smart Investing? | Retirement Investments ...

Guest blog by Daniel Solin, Mint.com.

The evidence showing that most individual investors significantly underperform the market is compelling. A study done by Dalbar, a leading financial services market research firm, found that, during the 20 years from 1991 through 2010, the average stock fund investor earned returns of only 3.83% per year, while the S&P 500 returned 9.14%.

The ramifications of this study are startling. It?s very easy to capture the returns of the market. All you have to do is purchase index funds that track the returns you are seeking to replicate. You will pay low transaction fees, but your returns should be pretty much in line with the indexes.

There is overwhelming support for buying a globally diversified portfolio of low management fee index funds in an asset allocation suitable for you. It is summarized in my new book, which is co-branded with Mint.com, The Smartest Money Book You?ll Ever Read. Yet, most investors stubbornly ignore this research and persist in stock picking, market timing and trying to find the next ?hot? mutual fund manager, often with the encouragement of their broker or investment advisor. The results of pursuing these flawed strategies are predictable, as indicated in the Dalbar study, chasing returns and trying to predict the random moves of the stock market are disastrous strategies for investors.

In an article in the New York Times, David Swensen, the chief investment officer at Yale University and author of Unconventional Success: A Fundamental Approach to Personal Investment, noted that, ?For decades, investors suffered below-market returns even as mutual fund management company owners enjoyed market-beating results. Profits trumped the duty to serve investors.?

The financial media plays an insidious role in misleading investors. It is largely premised on the purported ability of stock market pundits to make sense of random events and predict the future. At year-end, these pundits make their predictions for the following year. They give us their views on where the Dow is headed or pick stocks that are likely to outperform. Sometimes they are right but often, they are wrong. There is no way to tell into which category their current predictions will fall.

The question is: Why do so many investors repeat the same mistakes year after year? Is it collective cognitive dissonance? Is the enticement of hundreds of millions of dollars of advertising by the securities industry too powerful to resist? Is there an irresistible desire by some investors to engage in socially acceptable gambling?

While all of these factors may play a role, it turns out that your brain may be the biggest barrier preventing you from becoming a successful investor. Consider this:

You Seek Order When None Exists

Daniel Kahneman is an Israeli-born psychologist and winner of the 2001 Nobel Prize in economic sciences and he is best-known for his work in behavioral economics, which attempts to explain how investors make decisions. In a thoughtful article adapted from his book, Thinking, Fast and Slow, Kahneman reached this insightful conclusion: ?We are prone to think that the world is more regular and predictable than it really is, because our memory automatically and continuously maintains a story about what is going on, and because the rules of memory tend to make that story as coherent as possible and to suppress alternatives.?

The stock market is random and unpredictable and efforts to seek order and direction are likely to undermine your returns.

You Confuse Luck with Skill

When stock gurus get it right, they attribute their accurate predictions to skill. Their success is most likely due to luck, as indicated in studies by well-credentialed authors. The subtle difference between luck and skill is lost on many investors, who are quick to anoint the next investment guru. Kahneman?s study (reported in the same article) led him to his conclusion: ?The results [of the performance of wealth advisers over an eight year period] resembled what you would expect from a dice-rolling contest, not a game of skill.?

Your Level of Confidence is Not Reality-Based

According to a recent blog?by David B. Armstrong in USNews.com., 80% of the drivers surveyed in Sweden thought they were better than average drivers. Most investors probably feel the same way. The Dalbar and other studies demonstrate that most investors are below average, if you consider ?average? as the ability to capture the returns of the market. This level of overconfidence leads to poor investing decisions which are not based on peer-reviewed research.

Your Emotions Overcome Your Logic

Most investors find the ?agony of defeat? (losing money) more intense than the ?thrill of victory? (making money). Armstrong notes that this reaction to losses causes emotions to overtake logic, resulting in bad investing decisions.

You Can?t Resist the Thrill of the Hunt

According to Meir Statman, a professor of finance at Santa Clara University and an expert in behavioral finance, many investors enjoy the competitive element involved in to trying to ?win.? They pursue efforts to obtain outsized gains with their investments even though, in Statman?s view, ?Individual investors should treat the market as unbeatable and realize that when they try to beat it, because it is inefficient, they are likely to injure themselves, rather than gain at the expense of another.?

The next time you are confronted with an investing decision, remember that you may be influenced more by the involuntary reaction of your brain than the solid research which should be your guide.

About the Author

Dan Solin is a Senior Vice-President of Index Funds Advisors.? He is the author of the New York Times best sellers The Smartest Investment Book You?ll Ever Read, The Smartest 401(k) Book You?ll Ever Read, The Smartest Retirement Book You?ll Ever Read and The Smartest Portfolio You?ll Ever Own.? His new book, The Smartest Money Book You?ll Ever Read, will be released January 3, 2012.

Source: http://www.myplaniq.com/articles/20120131-is-your-brain-a-barrier-to-smart-investing/

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Breast cancer charity ends Planned Parenthood funding (Reuters)

(Reuters) ? Planned Parenthood said on Tuesday that the leading U.S. breast-cancer charity would no longer provide new funding to the group, which performs abortions and other services at clinics around the country.

In a statement, Planned Parenthood said the Susan G. Komen Foundation had "succumbed to political pressure" from anti-abortion groups in cutting the funding.

Komen had begun notifying local Planned Parenthood affiliates that their breast cancer prevention programs will no longer be eligible for new grants from the charity, it said.

Planned Parenthood said Komen had not responded to requests to meet and talk about the decision to cut the funding, which it said had helped thousands of women in rural and underserved communities get breast health education, screenings, and mammogram referrals.

But it said the Komen Foundation had been "repeatedly threatened" in recent years by anti-abortion groups upset with its affiliation with Planned Parenthood.

The Komen Foundation, best-known for the Race for the Cure fundraisers it sponsors around the country each year, did not immediately respond to a request for comment from Reuters.

The foundation said it raised more than $1.9 billion for breast cancer research and programs and has affiliates in more than 100 U.S. cities and 50 countries. Its symbol - the pink ribbon - is widely recognized.

Planned Parenthood said Komen's funding had helped pay for 170,000 of the more than 4 million clinical breast exams the group had performed over the past five years, as well as more than 6,400 of the 70,000 mammogram referrals it has made during that time.

Planned Parenthood has come under attack by lawmakers in several states over the past year, including North Carolina, Indiana and Kansas, who have attempted to block any government funding of the group.

In Kansas, county prosecutors outside Kansas City are pressing criminal charges against Planned Parenthood, alleging the group failed to maintain required paperwork related to the abortions it provided.

Under current law, Planned Parenthood cannot use federal funds to provide abortions though it receives federal money to provide family aid to low-income women.

(Reporting by James Kelleher; Editing by Greg McCune)

Source: http://us.rd.yahoo.com/dailynews/rss/health/*http%3A//news.yahoo.com/s/nm/20120201/hl_nm/us_usa_health_plannedparenthood_charity

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Wednesday, February 1, 2012

Health insurer Aetna's 4Q profit jumps 73 percent

(AP) ? Health insurer Aetna says its fourth-quarter net income jumped 73 percent, as it continued to benefit from low medical utilization and some key expenses fell.

The U.S.-based insurer earned $372.6 million, or $1.02 per share, in the three months that ended Dec. 31. That's up from $215.6 million, or 53 cents per share, in the 2010 quarter. Revenue climbed slightly to $8.57 billion.

Earnings excluding capital gains and other items were 97 cents per share.

Analysts forecast earnings of 96 cents per share on $8.43 billion in revenue.

Aetna is the third largest commercial health insurer based on both enrollment and revenue, trailing WellPoint and UnitedHealth. Its medical membership fell slightly, to about 18.5 million people, compared with the 2010 quarter.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2012-02-01-Earns-Aetna/id-fd96f587153246cc98736f8d9551739e

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Dozens killed as Pakistani army, militants clash (Reuters)

KURRAM, Pakistan (Reuters) ? Dozens of people were killed in clashes between Pakistani soldiers and militants in the northwest region on Tuesday, security officials said, casting further doubts on exploratory peace talks with the rebels.

Fighting erupted when militants attacked a security post in the Jogi area of Kurram tribal region, near the Afghanistan border, said the officials.

At least 10 soldiers were killed and 32 others wounded, while 40 militants died and 30 were injured after Pakistani forces retaliated and gunship helicopters were called in for support, the officials said.

The death toll could not be independently verified and militants often dispute official accounts.

The Pakistani Taliban, allied with al Qaeda, and the Afghan Taliban movement fighting Western forces in Afghanistan, are entrenched in Pakistan's northwestern tribal areas.

A series of military offensives have failed to break the group.

Exploratory peace talks between Pakistan and al Qaeda-linked Taliban have made little progress so far, and previous peace deals have failed to improve security.

Pakistan's army and air force have been conducting operations against militants in Kurram since the beginning of the year. Fighting has been particularly intense in Jogi.

At least four soldiers and 30 militants were killed during clashes last week.

(Reporting by Ali Afzaal in KURRAM, Saud Mehsud in DERA ISMAIL KHAN and Jibran Ahmad in PESHAWAR; Writing by Serena Chaudhry; Editing by Qasim Nauman and Sanjeev Miglani)

Source: http://us.rd.yahoo.com/dailynews/rss/asia/*http%3A//news.yahoo.com/s/nm/20120131/wl_nm/us_pakistan_militancy

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Video: Patience left in Dallas?

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Source: http://nbcsports.msnbc.com/id/21134540/vp/46210374#46210374

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