Greek finance minister on EU/IMF bailout (Reuters)

[unable to retrieve full-text content]Reuters - Here are highlights of Greek Finance Minister Evangelos Venizelos's news conference in Athens on Tuesday after returning from Brussels talks where euro zone finance ministers clinched a 130-billion-euro bailout package.

Source: http://us.rd.yahoo.com/dailynews/rss/eurobiz/*http%3A//news.yahoo.com/s/nm/20120221/bs_nm/us_greece_finmin

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Canadian Isotope Project enters final stretch

[ Back to EurekAlert! ] Public release date: 15-Feb-2012
[ | E-mail | Share Share ]

Contact: Matthew Dalzell
matthew.dalzell@lightsource.ca
306-657-3739
Canadian Light Source, Inc.

Delivery of particle accelerator marks key milestone for making medical isotopes with X-rays

SASKATOON, SASKATCHEWAN - A research project exploring the potential for making medical isotopes with X-rays from a particle accelerator instead of a nuclear reactor is about to move to the large scale. The Canadian Isotope Project, led by the Canadian Light Source (CLS) and partners including the National Research Council of Canada, and medical researchers in Winnipeg, Ottawa and Toronto, is set to scale up their work to production levels with the delivery of a new particle accelerator built by Ontario-based Mevex Corporation.

"We are very excited to be passing this key milestone in the project," says Mark de Jong, CLS Director of Accelerators and project leader. "We have made a lot of progress over the last year in terms of the project's theoretical work, refining different pieces of the process and moving construction and design of our test bed forward. With the delivery of this full-scale accelerator we can now move to demonstrate what we set out to do produce medical isotopes safely, reliably and affordably."

The Canadian Isotope Project uses a particle accelerator to bombard a target made of molybdenum-100 metal with high-energy X-rays. The X-rays knock a neutron out of the nuclei of some of the molybdenum-100 atoms in the target, converting them to the isotope molybdenum-99. After being chemically separated from the target, the molybdenum-99 will be shipped to hospitals where it decays into technetium-99m and injected into patients for diagnosing heart conditions.

Two or three accelerator systems like the one now being installed at the CLS could supply all of Canada's needs for technetium-99m.

Researchers at the National Research Council in Ottawa have been performing theoretical modeling of key aspects of the production process and producing small quantities of medical isotope using the same process as will be used at the CLS with a smaller particle accelerator. Isotopes produced by the full-scale facility at the CLS will be chemically separated from the metal target by scientists at the Winnipeg Health Sciences Centre and assessed by doctors at the University of Ottawa Heart Institute and University Health Network in Toronto.

The Canadian Isotope Project was one of four projects funded by the Government of Canada's Non-reactor-based Isotope Supply Contribution Program (NISP). The CLS-led project received $10 million from NISP with an additional $2 million from the Province of Saskatchewan. NISP was established to fund research into ways to produce medical isotopes without using a nuclear reactor in the wake of shortages caused by difficulties with Canada's NRU research reactor.

The NISP projects are all working to produce the most used medical isotope, technetium-99m, which is used in approximately 5500 medical scans daily in Canada.

Installation of the accelerator at the CLS is expected to be completed by the end of February, with the first experiments with the full-size accelerator system taking place in April. The first batch of technetium-99m is anticipated to be ready for shipment for testing at the Winnipeg Health Sciences Centre by the end of April or early May.

###

About the Canadian Light Source:

The Canadian Light Source is Canada's national centre for synchrotron research and is a global leader and a recognized centre of excellence in synchrotron science and its applications. Located on the University of Saskatchewan campus in Saskatoon, the CLS has hosted over 4,600 user visits from academic institutions, government, and industry, and delivered over 15,000 experimental shifts to users from across Canada and 18 countries since 2005. CLS operations are funded by Western Economic Diversification Canada, Natural Sciences and Engineering Research Council, National Research Council of Canada, Canadian Institutes of Health Research, the Government of Saskatchewan and the University of Saskatchewan. http://www.lightsource.ca/media/quickfacts.php.

About HSC Winnipeg:

Health Sciences Centre (HSC) Winnipeg is the largest health care centre in Manitoba. We are an interdisciplinary team of nearly 8,000 staff and volunteers who serve people in Manitoba, northwestern Ontario and Nunavut. As an operating division of the Winnipeg Regional Health Authority, we provide comprehensive diagnostic, outpatient (ambulatory) and inpatient services that support the physical, medical and emotional needs of the people and communities we serve.

A backgrounder on the project is at http://www.lightsource.ca/medicalisotopes

For more information contact:

Tom Kennedy
Public Relations and Marketing
Canadian Light Source Inc.
Ph: 306-657-3791
tom.kennedy@lightsource.ca

National Research Council of Canada
Media Relations
613-991-1431
877-672-2672
media@nrc-cnrc.gc.ca

Felicia Wiltshire
Winnipeg Health Sciences Centre
204-787-1834
fwiltshire@exchange.mb.ca



[ 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: 15-Feb-2012
[ | E-mail | Share Share ]

Contact: Matthew Dalzell
matthew.dalzell@lightsource.ca
306-657-3739
Canadian Light Source, Inc.

Delivery of particle accelerator marks key milestone for making medical isotopes with X-rays

SASKATOON, SASKATCHEWAN - A research project exploring the potential for making medical isotopes with X-rays from a particle accelerator instead of a nuclear reactor is about to move to the large scale. The Canadian Isotope Project, led by the Canadian Light Source (CLS) and partners including the National Research Council of Canada, and medical researchers in Winnipeg, Ottawa and Toronto, is set to scale up their work to production levels with the delivery of a new particle accelerator built by Ontario-based Mevex Corporation.

"We are very excited to be passing this key milestone in the project," says Mark de Jong, CLS Director of Accelerators and project leader. "We have made a lot of progress over the last year in terms of the project's theoretical work, refining different pieces of the process and moving construction and design of our test bed forward. With the delivery of this full-scale accelerator we can now move to demonstrate what we set out to do produce medical isotopes safely, reliably and affordably."

The Canadian Isotope Project uses a particle accelerator to bombard a target made of molybdenum-100 metal with high-energy X-rays. The X-rays knock a neutron out of the nuclei of some of the molybdenum-100 atoms in the target, converting them to the isotope molybdenum-99. After being chemically separated from the target, the molybdenum-99 will be shipped to hospitals where it decays into technetium-99m and injected into patients for diagnosing heart conditions.

Two or three accelerator systems like the one now being installed at the CLS could supply all of Canada's needs for technetium-99m.

Researchers at the National Research Council in Ottawa have been performing theoretical modeling of key aspects of the production process and producing small quantities of medical isotope using the same process as will be used at the CLS with a smaller particle accelerator. Isotopes produced by the full-scale facility at the CLS will be chemically separated from the metal target by scientists at the Winnipeg Health Sciences Centre and assessed by doctors at the University of Ottawa Heart Institute and University Health Network in Toronto.

The Canadian Isotope Project was one of four projects funded by the Government of Canada's Non-reactor-based Isotope Supply Contribution Program (NISP). The CLS-led project received $10 million from NISP with an additional $2 million from the Province of Saskatchewan. NISP was established to fund research into ways to produce medical isotopes without using a nuclear reactor in the wake of shortages caused by difficulties with Canada's NRU research reactor.

The NISP projects are all working to produce the most used medical isotope, technetium-99m, which is used in approximately 5500 medical scans daily in Canada.

Installation of the accelerator at the CLS is expected to be completed by the end of February, with the first experiments with the full-size accelerator system taking place in April. The first batch of technetium-99m is anticipated to be ready for shipment for testing at the Winnipeg Health Sciences Centre by the end of April or early May.

###

About the Canadian Light Source:

The Canadian Light Source is Canada's national centre for synchrotron research and is a global leader and a recognized centre of excellence in synchrotron science and its applications. Located on the University of Saskatchewan campus in Saskatoon, the CLS has hosted over 4,600 user visits from academic institutions, government, and industry, and delivered over 15,000 experimental shifts to users from across Canada and 18 countries since 2005. CLS operations are funded by Western Economic Diversification Canada, Natural Sciences and Engineering Research Council, National Research Council of Canada, Canadian Institutes of Health Research, the Government of Saskatchewan and the University of Saskatchewan. http://www.lightsource.ca/media/quickfacts.php.

About HSC Winnipeg:

Health Sciences Centre (HSC) Winnipeg is the largest health care centre in Manitoba. We are an interdisciplinary team of nearly 8,000 staff and volunteers who serve people in Manitoba, northwestern Ontario and Nunavut. As an operating division of the Winnipeg Regional Health Authority, we provide comprehensive diagnostic, outpatient (ambulatory) and inpatient services that support the physical, medical and emotional needs of the people and communities we serve.

A backgrounder on the project is at http://www.lightsource.ca/medicalisotopes

For more information contact:

Tom Kennedy
Public Relations and Marketing
Canadian Light Source Inc.
Ph: 306-657-3791
tom.kennedy@lightsource.ca

National Research Council of Canada
Media Relations
613-991-1431
877-672-2672
media@nrc-cnrc.gc.ca

Felicia Wiltshire
Winnipeg Health Sciences Centre
204-787-1834
fwiltshire@exchange.mb.ca



[ 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/clsi-cip021512.php

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World News - US sports diplomacy's latest target: Afghanistan

A group of Afghan children got to go one on one in their favorite sport with senior U.S. officials and top coaches. NBC's Atia Abawi reports.

By NBC News

KABUL ? For Malalai Anwari, there?s only one way to live life in Afghanistan and that?s by playing basketball.

"I couldn?t live without basketball," Anwari, a member of the Afghanistan Women?s National Basketball team, told NBC News. "Basketball is my life."


Anwari?s sentiments reverberated across the campus of Ghazi Olympic Stadium in Kabul last week, where young Afghans were given the chance to practice their favorite sport with senior United States coaches and sports administrators.?

The U.S. Embassy in Kabul working with the Amateur Athletic Union brought in eight sporting officials, including the National Basketball Association's Cares program,?to mentor and train both Afghan athletes and coaches in a sports diplomacy initiative.?

About 170 children from 10 different provinces in Afghanistan participated in the four-day event.

Matt Wall, a U.S. embassy public affairs spokesman, said the sporting clinic?went beyond shooting hoops in the?gym.

?I think there are cultural barriers that we are trying to overcome,? Wall said. ?Sports isn?t about religion, females and males, it is about kids who just want an outlet to exercise to play with others.?

At the end of the four-day training camp, each athlete earned both an AAU coaching certificate, and an NBA Cares certificate of completion.?

More from msnbc.com and NBC News:

Source: http://worldnews.msnbc.msn.com/_news/2012/02/13/10399668-us-sports-diplomacys-latest-target-afghanistan

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Russian hot springs point to rocky origins for life

Continue reading page |1 |2

It's a question that strikes at the very heart of one of the deepest mysteries in the universe: how did life begin on Earth? New evidence challenges the widespread view that it all kicked off in the oceans, around deep-sea hydrothermal vents.

Instead, hot springs on land, similar to the "warm little pond" favoured by Charles Darwin, may be a better fit for the cradle of life.

The controversial new theory suggests the search for extraterrestrial life must go beyond a hunt for alien oceans (see Land ho! The search for ET, below).

Life appeared sometime before 3.8 billion years ago, towards the end of a turbulent phase in our planet's early history dubbed Hadean Earth. Exactly where and how this happened is still a mystery. The first fossils are about 3.4 billion years old, and all we know about life's very first stages comes from chemical signatures in rocks.

This hasn't stopped endless speculation. Conventional wisdom has it that hydrothermal vents on the ocean floor offered an ideal chemical environment for the earliest life. Deep, dark oceans would also have protected the delicate cells from the harmful ultraviolet light that bathed early Earth before the ozone layer formed.

Case closed? Not quite. Armen Mulkidjanian at the University of Osnabru?ck in Germany says there is a fundamental problem with the ocean floor hypothesis: salt. The cytoplasm found inside all cells contains much more potassium than sodium. Mulkidjanian thinks that chemistry reflects the chemistry of the water life first appeared in, yet salty seawater is sodium-rich and potassium-poor.

"The ancient sea contained the wrong balance of sodium and potassium for the origin of cells," says Mulkidjanian. Now, after extensive field studies, he claims to have found the one place on Earth where that balance is right: in the thermal springs of Kamchatka in far-east Siberia. Mulkidjanian found that puddles condensing from the hydrothermal vapour at Siberia's Mutnovsky thermal springs are potassium-rich, just like cell cytoplasm (Proceedings of the National Academy of Sciences, DOI: 10.1073.pnas.1117774109). Life first appeared in similar pools, says Mulkidjanian.

And while early life would have been damaged if over-exposed to UVs, Mulkidjanian's theory solves another puzzle. Most evolutionary biologists agree that life at this stage would have been little more than floating strands of DNA and RNA. The nucleotides that make up DNA and RNA are all surprisingly stable when exposed to UV light, suggesting they evolved in an environment where UV exposure weeded out all but the most photostable molecules. "You don't get UV light around deep-sea vents," says Mulkidjanian.

"I do not think the oceans were a favourable environment for the origin of life ? freshwater ponds seem more favourable," says Nobel laureate Jack Szostak at Harvard University, a key player in the field. "Freshwater ponds have lower salt concentrations, which would allow for fatty acid based membranes to form."

While Darwin's warm little ponds appear to be coming back in vogue, this is a highly polarised field of research and many origin-of-life researchers are not convinced. Nick Lane at University College London disputes the claims that the first cells couldn't cope with life in sodium-rich water. Early cells could have actively pumped out sodium ions, he says. "This is exactly what many methanogens and acetogens do," he points out, referring to microbes that are thought to be among the earliest cellular life forms. This, says Lane, is good evidence that the earliest living cells did indeed actively pump out sodium ions.

Carrine Blank, a geologist at the University of Montana in Missoula says life was unlikely to survive on land 3.8 billion years ago, at a time when meteorites were pummelling Earth. Mulkidjanian counters that some geologists now question whether the late heavy bombardment, as it is known, really happened at that time (Elements, DOI: 10.2113/gselements.5.1.23).

Others contacted by New Scientist labelled Mulkidjanian's ideas absurd and declined to comment. Undoubtedly, most researchers still favour the sea as the cradle of life. Still, Mulkidjanian is not alone in looking for a land-based alternative.

Paul Knauth, a geologist at Arizona State University in Tempe, also thinks life may not have begun in the sea ? which he says has ramifications for the search for extraterrestrial life. He has analysed the oxygen isotopes in the silica-rich rocks deposited early in Earth's history, from which you can work out temperatures at the time the rocks formed. He says that the entire planet was much hotter than anyone suspected ? surface temperatures of 50 to 80 0C may have been common. The seas were also twice as salty as today, because so-called "evaporitic" deposits - which locked away vast quantities of salt - had not begun to form. "The early ocean was a deathtrap of hot salty water," he says. "I like the idea of a non-marine origin."

Then there is the fossil evidence. Although the fossil record doesn't capture events at the origin of life, it does record some slightly later chapters in life's history, which origin-of-life researchers "ignore at their peril", according to Martin Brasier at the University of Oxford. Last year Brasier unearthed the oldest fossils so far: 3.43-billion-year-old bacteria. He found them in Australia, in non-marine rocks that formed on a beach. "I am coming round to the opinion that we may be wrong about the ocean as the mother of life," says Brasier.

Continue reading page |1 |2

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Whitney Houston?s Death Caused By RX Drugs & Booze

Whitney Houston’s Death Caused By RX Drugs & Booze

The death of 48-year-old singer Whitney Houston has her fans wanting to know…how did Whitney Houston die? Sources reveal it was a cocktail of prescription [...]

Whitney Houston’s Death Caused By RX Drugs & Booze Stupid Celebrities Gossip Stupid Celebrities Gossip News


Source: http://feedproxy.google.com/~r/stupidcelebrities/~3/xqLphWepFIw/

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sports breaking news: Fight The Rainy Day Blues ? Recreational ...

Posted by aviahungarian on February 8, 2012

February 6, 2012 ? 11:43 am

First of course, infectious up on nap is a protected bet. Most college students are nap deprived on a conform to basement and a stormy day may give the best forgive to nap in. Further, many people find the pleasant sound of the sleet to be the best way to obtain a great night nap or even an afternoon nap.

After getting well over the 8 hours of compulsory sleep, many consent that the best way to outlay the day inside is by examination cinema and listening to music.

?I similar to listening to roller song since stormy days are awful but when you attend to beach music, it?s more beautiful,? mentioned subordinate chemistry leading Justin Lopez.

With Netflix, Hulu and iTunes, there are lots of great cinema to watch without ever having to leave your room to lease or purchase one. But, with the Academy Awards forthcoming up, there are moreover great cinema personification at local film theatres ? only as long as you do not thoughts getting a small soppy on the way over.

Shalini Majumdar, a first-year biomedical engineering major, mentioned examination cinema is her preferred way to pass time on a rainy, cloudy day.

?I admire to stay in and watch as many cinema as we can since on a stormy day we wish to be inside where it?s comfortable and dry,? Majumdar said.

But, if you find yourself ill of lounging around in your dorm room or apartment, the UC Davis Activities and Recreation Center (ARC) has a number of fun and, many importantly, indoor activities. During Winter quarter, the ARC offers 3 intramural (IM) joining sports: basketball, racquetball and indoor soccer.

In addition, the ARC offers a number of ?Paloozas? ? typically 48-hour successive tournaments. ?Paloozas? offering this entertain add a Poker Palooza, that is now receiving entries and starts this Friday, together with dodgeball, group sport and list tennis Paloozas. Times for these tournaments may be found on the ARC website.

Kyle Urban, patron service coordinator for IM sports at the ARC, mentioned these tournaments are really renouned amid students.

?Basketball is our many renouned joining in the winter. Meanwhile, Dodgeball Palooza is unquestionably our many renouned Palooza or tournament. We are always seeking for more participants, however, so all students are speedy to apply,? mentioned Urban, in an e-mail interview.

Although registration is to five-week leagues has ended, the Palooza tournaments are still open for entries.

An substitute choice to a stormy day is to prevent it. That is, obtain out of Davis and the surrounding stormy area ? Outdoor Adventures can help with that. During Winter quarter, Outdoor Adventures (OA), located next to the Silo, offers a number of week end day and overnight trips permitting the sleet to be entirely avoided.

Every weekend, OA offers cross-country skiing day trips together with assorted backpacking and stone rock climbing trips. They moreover offer special week end and three-day week end trips. Eva Dwyer, a tyro executive at the let core at OA, mentioned many of these trips are really renouned amid students and she rarely recommends them.

?The many renouned is the snow cavern and Igloo office building outing together with the Yosemite Car Camping Trip and Mt. Lassen Cross-Country Skiing trip,? Dwyer said.

Both the automobile camping and the Mt. Lassen outing will be from Feb. 18 to 20 and are now open for registration. All trips add travel and students can pointer up in person at OA or by mission its office at (530) 752-1995.

Further, Dwyer mentioned students could go on their own trips and lease equipment, such as tents, napping bags, skis, kayaks and more from OA for a really low price.

?Students obtain a great bonus from us and we have lots of equipment,? Dwyer said.

More data about trips, sign-ups and rentals may be found on OA?s authorized website, or you can stop by OA in between or after class.

With these resources and actions so simply accessible, hopefully the stormy day blues won?t be so badly draining. And still, for a few choose few, the sleet can obviously lighten their day. Just inquire first-year diplomatic scholarship leading Ryan Wonders.

?I similar to to obtain ready to go up on a stormy day and go for a walk since it doesn?t sleet that frequently and we wish to suffer it when it does,? Wonders said.

CLAIRE MALDARELLI may be reached at features@theaggie.org.

Tags: car camping

Source: http://recreationaloutdoor.com/recreational-outdoor/fight-the-rainy-day-blues/

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Source: http://sports-breaking-news.blogspot.com/2012/02/fight-rainy-day-blues-recreational.html

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Source: http://musyko.posterous.com/sports-breaking-news-fight-the-rainy-day-blue

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Video: Santorum: I won?t make personal attacks

>> much. rick santorum is now joining us from capitol hill . senator, good morning.

>> good morning, ann.

>> there is a sense you're finally getting your due, gaining momentum after the three-state sweep and a new gallup poll released thursday shows you're tied with newt gingrich nationwide. what do you want to say about the excitement this is generating? we heard kelly talk about the money. does she have that right? how much more do you expect?

>> we'd love it to keep up at this pace. it's been about $1 million a day which is terrific. we're saying the same message we have been saying for months. this is the most important election in the history of our country, an election about whether we are going to with a country that believes in foundational freedom, that we'll build a great country from the bottom up or with an elite from the top down telling us what to do.

>> on thursday you said mitt romney 's campaign has been serially tearing down opponents without offering any kind of vision for what he wants to do for this country. i have to ask. if you look at what's happened so far for the republican nomination, it is clear that negative campaigning generates votes. the question is if history is a guide, aren't you going to now have to go negative? will you commit that you and your pacs will not or are you going to have to now?

>> i have talked about the issues. the speeches i give, i try to give a vision for america, what i believe is in the best interest of our country with limited government and reducing the size and scale of washington and promoting the basic values that i think of hard work, giving people opportunity --

>> i'm sorry to interrupt, but i'm asking whether or not you will go negative.

>> as i said --

>> have you decided you absolutely will not? can you commit to that now or will you have to? do you want the nomination enough to do that if you have to?

>> if you mean negative by personally questioning their personal or business or -- no. i'm going to talk about the issues. i'm going to talk about my record, my vision for the country. i will talk about governor romney's record and barack obama 's record and vision for the country. this should be about the issues, about what people care about at home. they don't care where you made money and how you made that money as long as you didn't do anything illegal, unethical. they are focused on how you will help them make money, provide for themselves and the family and build stronger communities in america.

>> you're clearly animated when you talk about this. are you prepared to commit to not going negative? can you answer that question yes or no?

>> if you mean going negative against someone in a personal way, absolutely not. we will talk about the issues. i think governor romney and barack obama 's record, which on a lot of issues are the same, are negative in what they have done to this country and the state of massachusetts . i will certainly point that out as i have throughout the course of the campaign. we'll talk about things americans care about that affect them, not this back and forth we have seen in the race so far.

>> one of the things you were asked last night on cnn as an issue americans care about is the pentagon's plan to allow women to serve in combat roles. you have concerns about aptd you said, quote, it could be a very compromising situation where people naturally may do things that may not be in the interest of the mission because of other types of emotions that are involved. what do you mean by that? do you want to take another crack at that?

>> well, no, exactly what i said. when you have men and women together in combat, i think men have emotions when you see a woman in harm's way. i think it's natural. it's very much in our culture to be protective. that was my concern. i think that's a concern with all of the militaries. the israeli military has women in a lot of roles but don't allow them in combat because of the natural inclination to not focus on the mission but be in a position to protect someone because that's something that's natural within our culture.

>> some people might listen to the quote and think you meant that you were concerned about women being emotional.

>> oh, no. that's not the issue. i have talked about this issue a lot. i have never raised that as a concern. no. the issue is certainly one that's been talked about for a long, long time is how men would react to seeing women in harm's way or potentially being in a vulnerable position and not be concerned about accomplishing the mission.

>> i see. right. i hope it's okay to ask how your 3-year-old daughter is doing. i know she was hospitalized with pneumonia.

>> well, she's doing great. i was with her last night. i hadn't been with her since i left her in the hospital. she was on the mend when i left. it was so great to be home last night and get a chance to spend a lot of time with her and the rest of the kids. this has been a wellspring of refreshment on the campaign for me.

>> we wish her well.

>> thank you.

Source: http://video.today.msnbc.msn.com/today/46339600/

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The Definition of Financial Planning | Retirement Planning

Financial planning is a must have tool for investors across the globe. However, this is not how we humans approach our finances. We look at our finances on a piece meal basis. We spend without thinking, we save less and we invest haphazardly. Someone comes along to sell us an insurance policy and we buy it simply because we are sweet talked into buying by the glib insurance agent. We walk into a store to buy a consumer durable and the agent peddles us to buy a particular LCD because it meets his monthly sales target ? he isn?t selling because the product is good for us! When we near retirement, we look to reverse mortgage or even liquidate our only home to take care of our monthly expenses. Financial Planning disciplines the way investors spend, save, invest and enjoy their money.

Loosely defined, financial planning is a process by which an investor plans for his financial goals or aspirations in life, decides which investment class to choose for a particular goal and saves and invests his money for the same. Obviously, he will need to perform periodic reviews of the plan to make sure he is on target to achieve his goals.

Financial Planning covers four pillars of a person?s life. They are retirement planning, insurance planning, tax planning and investment planning.

Retirement Planning is about investing your money intelligently to save for retirement so that when you retire you have monthly income coming to you to meet your expenses.

Insurance planning is all about making sure that the earning member of the house has the right amount of insurance cover and through the right products, if he were to die, the rest of the family members should be compensated with enough money so that they can lead their lives with no compromise in their lifestyle. Insurance planning is also about taking insurance for your vehicle, home and health.

Tax planning is making investments in such a way so that saving taxes becomes an easy process and not an activity which you want to complete when the tax deadline looms large ? that?s when most investment happens randomly and investors make the most mistakes.

Lastly, Investment planning is about choosing the right products among equity, debt, commodities and other asset classes to make your money grow successfully.

But what exactly are financial goals?

Goals are defined as things for which you will need a large sum of money sometime in the future. An example is retirement. You need a large corpus at retirement and you need to save for it. Since it is very far away, it qualifies as a long-term goal. Buying a new car is also a financial goal. You need money for the down payment of the car. You need to plan to save money so that when the time comes to buy the car, you have the money with you. In the financial planning process, you jot down all your long-term, short-term and medium-term goals. It is often found that investors have tons and tons of aspirations and once they begin to plan for saving for all of them, they realize that some of these are must have goals while others are good to have goals. Must have goals are the ones the investor needs to absolutely save for and good to have goals are the ones the investor can live without.

Once the goals are defined, depending on how far the goals are and what the risk taking capability of the investor is, asset classes are chosen to invest the money so that they grow over a period of time to be liquidated only when the goal materializes.

Financial Planning forces the investor to become more methodical and disciplined as far as his money management is concerned. The investor can plan, save and invest his money to become rich.

If you pause for a moment and think, the entire gamut of financial planning is a very involved task and a very professional one. While investors can take a shot at investing in shares, mutual funds and debt, they can often burn their fingers since they do this part-time and don?t have the capability to do so. This is also a very time consuming task and often an investor will find his work life balance challenged. The small investor also does not have a research team at his disposal to make the right investment decisions and at the right time. This is a job best left to financial planners who are certified to perform end to end financial planning. They advise you what to do and how to implement investments for a fee that you pay them and they are on your side always.

Financial planning is an important tool that all investors need to inculcate and use in their lives.

Radhey Sharma is a fee based Certified Financial Planner in Pune, India.
He is a Personal Finance Blogger and writes about stocks, mutual funds, insurance, retirement, tax and is an expert on subjects relating to Financial Planning in India.

Source: http://phonesb.com/retirementplanning/the-definition-of-financial-planning/

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Penile Papules And Stds

Published by Sherry | February 9, 2012 | | 23

There is a definite difference in pearly penile papules and STDs. Most will be quite shocked to learn that having a papule can mean a number of different things, and it doesn?t always mean that a man is infected with a disease that can be spread by sexual contact. Many times, a man with a growth on his penis may actually have a benign condition that didn?t result from a contagious illness.
A penile papule that is not the result of an infection may be caused by a skin issue known as pearly penile papules. Men who have this condition will display raised bumps around the head of the penis. Because the etiology of this skin condition is mostly unknown, many sexual partners may be confused as to why a growth may be present on the penis. To understand why these growths occur, it is necessary to understand the difference between STDs and a penile papule.
Persons who have an STD have picked up an infectious organism from a sexual encounter with a partner that contracted the disease. Many STDs can cause additional health concerns, so it is necessary to find out which particular STD it is that has been contracted. STDs can be caused by viruses, bacteria or parasites and can quite easily be passed to a partner through sexual contact. This is where the difference lies between STDs and papules.
Papules occur when the skin around the head of the penis starts to grow continuously to the point where small, raised areas are present all around the circumference of the penis. When several of these growths become visible, many men will seek the assistance of a medical care provider. Once these growths are tested and observed by a doctor, it is discovered that they are not the result of an STD, but the product of the pearly penile papule skin disorder.
Having the disorder does not mean that the man will develop any other health concerns like those of people that have untreated STDs. The main concern with papules is purely aesthetic. Many men who have the disorder are not concerned and go on to have very happy and satisfying sex lives.
For men that are very concerned that their penile growths are causing issues with their sexual encounters, making an appointment with a physician can help to calm their concerns. There are treatment options available that will effectively remove the lesions, but there is still a chance that the growths will return. This can be discussed with the doctor.

Mcdonald Cary has been writing articles online for nearly 2 years now. Not only does this author specialize in Diseases STDs
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Source: http://www.1directory.net/health-fitness/penile-papules-and-stds-2363.html

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