Showing posts with label Family. Show all posts
Showing posts with label Family. Show all posts
Saturday, July 30, 2016
Are Swedes having less sex? The government wants to know
STOCKHOLM — Worried that Swedes aren't having enough sex, the government wants to analyze the bedroom activities of its citizens in a major new study.
It's been 20 years since the last in-depth study of the sex habits of the Scandinavian welfare state, so Public Health Minister Gabriel Wikstrom says it's high time for another survey.
One of the goals of the investigation, set to be completed in 2019, is to find out whether there's any truth to Swedish tabloid reports that Swedes are having less sex than they used to.
"It's important to investigate whether that is the case and if so, what the reason is," he wrote Friday in an opinion piece in the Dagens Nyheter newspaper.
If stress and other health issues are affecting Swedes' sex lives, he said, "that is also a political problem."
Morgan Eklund, an official in Wikstrom's office, said the minister was referring primarily to a 2013 survey of 3,000 people by the Aftonbladet tabloid, which found that lovemaking is on the wane in Sweden, a country with a reputation of being sexually liberated.
Eklund said the survey was not scientific enough to be used as the basis of government policies "but it points in a direction that can be interesting to follow up."
In a separate article on the government's website, Wikstrom said the Social Democratic-led government needs better information about people's sex habits to guide its policies related to sexual and reproductive health.
"Sex is an area that strongly influences people's health, so we can't just talk about things like, for example, venereal disease, but also things that are positive and lust-filled about sex," Wikstrom said.
The study will be carried out by the Public Health Agency of Sweden.
source: philstar.com
Saturday, February 7, 2015
Canada court rules doctors can help ill patients die
TORONTO — Canada's highest court unanimously struck down a ban on doctor-assisted suicide for mentally competent patients with terminal illnesses, declaring on Friday that "an individual's response to a grievous and irremediable medical condition is a matter critical to their dignity and autonomy."
The Supreme Court's decision reverses its own decision two decades ago and gives Parliament a year to draft new legislation that recognizes the right of consenting adults who are enduring intolerable suffering to seek medical help ending their lives. The current ban on doctor-assisted suicide stands until then.
The judgment said the ban infringes on the life, liberty and security of individuals under Canada's constitution. It had been illegal in Canada to counsel, aid or abet a suicide, an offense carrying a maximum prison sentence of 14 years
"The law allows people in this situation to request palliative sedation, refuse artificial nutrition and hydration, or request the removal of life-sustaining medical equipment, but denies the right to request a physician's assistance in dying," the ruling noted.
Assisted suicide is legal in Switzerland, Germany, Albania, Colombia, Japan and in the U.S. states of Washington, Oregon, Vermont, New Mexico and Montana. Euthanasia is currently legal in the Netherlands, Belgium and Luxembourg.
Friday's decision reverses a Canadian Supreme Court ruling in 1993. At the time, the justices were primarily concerned that vulnerable people could not be properly protected under physician-assisted suicide.
"For seriously and incurably ill Canadians, the brave people who worked side by side with us for so many years on this case — this decision will mean everything to them," said a visibly overjoyed Grace Pastine, the litigation director for the British Columbia Civil Liberties Association.
The pressure will now be on Parliament to act in an election year, as the court says no exemptions may be granted for those seeking to end their lives during the 12-month suspension of the judgment.
Friday's decision was spurred by the families of two now-dead British Columbia women, supported by Pastine's organization.
Gloria Taylor was diagnosed with Lou Gehrig's disease, a degenerative neurological illness. Kay Carter was diagnosed with a degenerative spinal cord condition. At age 89, Carter travelled to Switzerland, where assisted suicide is allowed.
Taylor had won a constitutional exemption at a lower court for a medically assisted death in 2012, but that decision was overturned in subsequent appeals. She died of an infection later the same year.
It has been more than 20 years since the case of another patient with Lou Gehrig's disease, Sue Rodriguez, gripped Canada as she fought for the right to assisted suicide. She lost her appeal but took her own life with the help of an anonymous doctor in 1994, at the age of 44.
source: philstar.com
Tuesday, November 25, 2014
GE unveils premium ultrasound equipment
MANILA, Philippines - GE Healthcare recently unveiled its newest line of premium ultrasound equipment — the LOGIQ Forward Series. The high-performance but lower-priced ultrasound system is a product of the company’s continuous commitment to developing high quality, affordable healthcare innovations driven by its “healthymagination” strategy.
“The importance of providing up-to-date health facilities and services to secondary hospitals, especially those away from the key cities, cannot be overemphasized in a country where more than 50 percent of health expenditures are still out-of-the-pocket because of inadequate healthcare financing,” explained Ivanalexi Arota, GE Healthcare Philippines country manager. “By offering reasonably priced but premium quality medical equipment, GE Healthcare strives to bridge the gap between quality and affordable healthcare.”
According to a study conducted by the University of the Philippines–National Health Institute, six out of 10 Filipinos who succumb to sickness die without seeing a doctor. Private medical institutions are beyond reach of the majority of Filipinos, while on the other hand, public hospitals remain generally underfunded, resulting in antiquated medical equipment and insufficient number of health personnel.
“With our latest offerings, GE Healthcare seeks to revolutionize healthcare in the country by removing barriers to accessible patient care and leading the way for sustainable healthcare systems,” said Arota.
The new LOGIQ F Series improves the affordability of a high-performance ultrasound system by 30 percent while incorporating established high-performance capabilities from GE’s flagship ultrasound systems.
The new series of ultrasound machines is comprised of the LOGIQ F3, LOGIQ F8 and LOGIQ F6/F5 models.
source: philstar.com
Tuesday, October 21, 2014
Sell Structured Settlement Annuity
Do you have a structured settlement annuity that you are looking to receive cash for right now? Well the experts here at Cash For Settlement Payments may be just the answer you are looking for. We are able to help you with your transfer and if you absolutely would like a loan against your settlement payment rights then we are glad to help facilitate that as well. What we do is we set you up with a court date so that you can let the judge in your jurisdiction know that you are looking to cash in your settlement payments because of the following typical reasons:
* The money can be better used else where in a lump sum situation
* You or your family is facing a hardship and prefer to liquidate the investment holding in exchange for
the money to save your family
* To help make mortgage or house payments (many annuitants use the money to purchase a home)
* Ease the trouble of everyday life
No matter what the reason it needs to be sound and approved so please speak with us about your reason and need for money and we will work with you to help you out right away. You can contact us via email or we prefer that you call and speak to us. We would love to come and meet you in person and work with you for getting the settlement transfer done as we build a strong relationship with all of our clients.
source: cashforsettlementpayments.com
Sunday, August 17, 2014
Household cleaning hacks you should know
MANILA, Philippines - Having a healthy household does not just mean eating the right food, but having your house germ-free as well. While we exert too much physical effort in cleaning, we also exert too much money on buying cleaning products. Be pragmatic and avoid overspending on household supplies. You probably didn't know it, but here are some cheap, convenient, and easy-to-do cleaning tips that would help you stretch your budget and patience in cleaning even further.
White Vinegar
Aside from cooking with vinegar, you may also use it to keep your dishwasher, windows, floors, microwaves and refrigerators extra clean. Pour an equal amount of vinegar and water on a cup and dip a cloth or sock. Run it over and use another cloth or sock to remove the dampness.
Ice Cubes
Every few weeks, toss in a handful of cubes in your sink. Add some orange, or lemon to ward off some stenchy odor.
Newspaper
Don’t throw away your old newspapers. Use it to get rid of garbage grime and crusty dips and drops of garbage juices. Cover the bottom of your trash can with old newspapers to soak up leaks and odors.
Clay Doh
If you think that clay is only for playtime, think again. Clay Doh can be used to pick up the small pieces of broken glasses and glitters. Just press the clay into the area and the glass or glitters will stick onto it.
Lemons
Utilize the power of citrus to clean your microwave, which becomes smelly most of the time because of the different food heated. Squeeze lemon juice into a small bowl of water and place in the microwave for five minutes. The fresh scent will eliminate the cooking odors and condensation from the steam makes the random splatters that have hardened easier to remove.
Mouthwash
Aside from killing bad breath, adding a considerable amount of mouthwash to a gallon of water and mop the vinyl and tiles.
Baby Oil
Baby oil helps the dirty water bead roll down the drain faster. Use this to clean your sink, toilet bowl, or tub.
Potatoes
Did you just went on a camping trip? To remove hardened mud on your clothes, especially comforter or blankets, slice a potato in half and gently rub the cut end on to it. Soak the fabric in cool water after before tossing them into the laundry.
Rice
Having a hard time fitting your hands while cleaning a narrow vase? Just pour two tablespoons of dry rice and half a cup of warm water inside the vase. Shake the vase vigorously while covering it with your hands. Drain the vase afterwards.
Blow Dryer
Give chandeliers a quick cleaning with a blow-dryer (set on low) or a feather duster. For tougher jobs, fill a spray bottle with one part vodka to five parts water, spritz on fixtures and blow-dry.
Hair Spray
Walls doodled with markers can be cleaned by misting them with hairspray and wiping them immediately. Crayon on walls on the other hand could be removed by scrubbing with a toothbrush covered with toothpaste. You may also use a damp microfiber cloth with baking soda. Hairspray may also be used to remover lipstick stains on clothes.
Chalk
For those who are not aware, chalk has a powerful absorbing quality. Greasy and oily fingerprints can be removed by rubbing a chalk on walls, even clothes. Wash it with water after to make it completely grease-free.
Onion
Peel and cut the white onion in half. Rub the onion back and forth over the grates of a hot grill. The onion will deglaze the grates and add a little extra flavor the next time you grill in for some barbecue adventure.
source: philstar.com
Tuesday, March 25, 2014
Ikea recalls baby bed canopies due to strangulation risk
Swedish furniture maker Ikea on Thursday, March 20, recalled nearly three million baby bed canopies worldwide due to a potential danger of strangulation.
“We have had some reports of young children getting entangled in these canopies,” Ikea spokeswoman Ylva Magnusson told AFP, adding that some children had sustained minor injuries.
“However there is no child that has had permanent injuries … and as a safety measure we are recalling the products.”
The company asked customers who have bought the canopies—which look like mosquito nets draped over a cot or child’s bed—to stop using them and return them to Ikea stores around the world for a full refund.
“We apologise for any possible inconvenience this may cause, but safety is always the highest priority for Ikea,” the company added in a statement listing eight different canopy models.
The recall concerns more than 2.8 million products sold since 1996.
Ikea gave no explanation as to why the products were on the market for so long before a recall was deemed necessary.
source: interaksyon.com
Thursday, March 20, 2014
Labor in tub OK but water births unproven
WASHINGTON — Sitting in a tub of warm water can relieve a mom-to-be's pain during the early stages of labor, but actually giving birth under water has no proven benefit and may be risky, say recommendations for the nation's obstetricians.
There's no count of how many babies in the U.S. are delivered in water, but it is increasingly common for hospitals to offer birthing pools or tubs to help pregnant women relax during labor.
In a report released Thursday, a distinction is made between the two uses, saying that early on immersion may be helpful, as long as some basic precautions are taken.
But there has been little scientific study of underwater delivery, along with a handful of reports over the past decade or so of near-drownings and other risks to the infant, said the joint opinion from the American College of Obstetricians and Gynecologists and the American Academy of Pediatrics.
Although complications appear to be rare, the report urges that underwater deliveries be performed only in research studies to settle the questions.
"Laboring in water is not the same as delivering under water," said co-author Dr. Jeffrey Ecker of Harvard University, adding that he's cared for numerous women comforted by immersion during labor.
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As for delivery, "We want people to do more research," added ACOG committee member Dr. Aaron Caughey of Oregon Health & Science University.
In fact, midwives at Caughey's hospital perform several dozen underwater deliveries a year and are collecting data on how mothers and babies fare, said Cathy Emeis, a certified nurse-midwife at the Oregon university. She cautioned that the numbers are small but so far don't show increased risks.
Pregnant women interested in a water birth at the Oregon facility are required to take a special class and sign a consent form, Emeis said.
"We always acknowledge to our patients that there is not a lot of high-quality evidence that shows there's a benefit to birthing under water," she said.
Thursday's recommendations aren't binding. Birthing in warm water, which proponents say simulates the uterine environment, has been an option for several decades, although more women use it for early labor than delivery, said Tina Johnson of the American College of Nurse-Midwives.
"I don't know that this statement will necessarily change women's desire for that option," said Johnson, whose organization is drafting its own guidelines.
The report recommends that hospitals or birth centers choose low-risk candidates for immersion during labor, keep tubs clean, monitor women appropriately and be able to move them out of the water quickly if a problem occurs.
It says potential risks of underwater delivery include infection, difficulty regulating the baby's body temperature and respiratory distress if the baby inhales water.
source: philstar.com
Sunday, November 3, 2013
FDA approves Roche drug for chronic leukemia based on research that it slows disease
WASHINGTON -- The Food and Drug Administration on Friday approved a new drug from Roche to help treat patients with a type of cancer of the blood and bone marrow.
The agency cleared Gazyva to fight chronic lymphocytic leukemia in combination with chemotherapy in patients who haven't previously been treated for the disease.
Gazyva works by killing cancer cells and encouraging the immune system to fight against them.
Chronic lymphocytic leukemia develops slowly over time and is usually diagnosed in the elderly. More than 15,600 Americans will be diagnosed and 4,580 of them will die from the disease this year, according to estimates from the National Cancer Institute.
The FDA approved the drug based on a study showing Gazyva plus chemotherapy was superior to chemotherapy alone at slowing the progress of the disease. Patients treated with Gazyva had median survival of 23 months before death, relapse or worsening of their disease. That compares with 11.1 months for the chemotherapy patients.
The injectable biotech drug is the first medicine approved under FDA's breakthrough designation, which was authorized by Congress last year. The new designation is designed to speed up the approval of promising drugs by providing companies with extra meetings and earlier communication with FDA scientists to discuss drug development.
Gazyva will be marketed by Roche's Genentech unit, which is based in South San Francisco.
A spokeswoman for Genentech said the drug would cost $41,300 for one course of treatment, which lasts six months.
Common side effects seen in company studies included anemia, fever, muscle and bone pain and lower levels of white blood cells.
source: philstar.com
Sunday, October 20, 2013
Good night's sleep cleans out gunk in brain
LOS ANGELES — When we sleep, our brains get rid of gunk that builds up while we're awake, suggests a study that may provide new clues to treat Alzheimer's disease and other disorders.
This cleaning was detected in the brains of sleeping mice, but scientists said there's reason to think it happens in people too.
If so, the finding may mean that for people with dementia and other mind disorders, "sleep would perhaps be even more important in slowing the progression of further damage," Dr. Clete Kushida, medical director of the Stanford Sleep Medicine Center, said in an email.
Kushida did not participate in the study, which appears in Friday's issue of the journal Science.
People who don't get enough shut-eye have trouble learning and making decisions, and are slower to react. But despite decades of research, scientists can't agree on the basic purpose of sleep. Reasons range from processing memory, saving energy to regulating the body.
The latest work, led by scientists at the University of Rochester Medical Center, adds fresh evidence to a long-standing view: When we close our eyes, our brains go on a cleaning spree.
The team previously found a plumbing network in mouse brains that flushes out cellular waste. For the new study, the scientists injected the brains of mice with beta-amyloid, a substance that builds up in Alzheimer's disease, and followed its movement. They determined that it was removed faster from the brains of sleeping mice than awake mice.
The team also noticed that brain cells tend to shrink during sleep, which widens the space between the cells. This allows waste to pass through that space more easily.
Though the work involved mouse brains, lead researcher Dr. Maiken Nedergaard said this plumbing system also exists in dogs and baboons, and it's logical to think that the human brain also clears away toxic substances. Nedergaard said the next step is to look for the process in human brains.
In an accompanying editorial, neuroscientist Suzana Herculano-Houzel of the Federal University of Rio de Janeiro said scientists have recently taken a heightened interest in the spaces between brain cells, where junk is flushed out.
It's becoming clearer that "sleep is likely to be a brain state in which several important housekeeping functions take place," she said in an email.
The study was funded by the National Institute of Neurological Disorders and Stroke. In a statement, program director Jim Koenig said the finding could lead to new approaches for treating a range of brain diseases.
source: philstar.com
Saturday, October 12, 2013
‘Increase our faith, Lord’
The apostles said to the Lord, “Increase our faith.” The Lord replied, “If you have faith the size of a mustard seed, you would say to this mulberry tree, ‘Be uprooted and planted in the sea,’ and it would obey you. Who among you would say to your servant who has just come in from plowing or tending sheep in the field, ‘Come here immediately and take your place at table’? Would he not rather say to him, ‘Prepare something for me to eat. Put on your apron and wait on one while I eat and drink. You may eat and drink when I am finished’? Is he grateful to that servant because he did what was commanded? So should it be with you. When you have done all you have been commanded, say, ‘We are unprofitable servants; we have done what we were obliged to do.’”
—Luke 17:5-10
“Increase our faith!” The apostles were addressing Jesus. In our life, there comes a challenging time when we doubt God’s existence, if God really listens to our prayers. Sometimes, we feel uncertain and doubtful if God is really up there. We question until we get tired of not getting any answer.
In the gospel, Jesus replied: “If you only have faith like the size of a mustard seed, then you can do what you want and wish to do. ’You can even order the mulberry tree to be uprooted and be planted in the sea.’ Of course, this is an image of the power of faith.
Faith is not based on physics or any other physical sciences. It is not founded on factual data or laboratory experimentations or scientific calculations. It is not based on evidences that can be proven and defended. Faith does not have to be proven for it is based on life itself. Faith in the divine is innate to people who believe. There are cultural studies available and would vary in the different processes every society undertakes, but faith is always at the core of every culture.
In the gospel, Jesus shared an example about the servant who just came from plowing or tending sheep, will you invite him to sit with you at the table or ask him instead to prepare something to eat? And to further order the servant to put on the apron and wait on until the master finishes his meal. Will he be grateful to the servant because he just followed what was commanded? The same is true for us, that having done what we were asked to do, we still say that we are undeserving servants because we just do what we were obliged to do. The Lord asks us to do his will and follow him. And when we do this, it is faith that will guide us in our pursuit.
“Increase our faith Lord” is our prayer. Day in and day out, we are always tested by our faith. But if we only have faith even just like the size of a mustard seed (which is one of the smallest seeds in the plant kingdom), then we can do even greater things.
If we have strong faith, we also grow as a person. By faith, we see God in others, in our brothers and sisters. We see God in the people we meet and encounter in every moment of one’s life. By faith, we can see the face of the Risen Lord in others. The song in the play Les Miserables echoes the faith of the convert that ‘to love another person is to see the face of God.’ Faith and charity is inseparable. Our belief is not isolated nor separated from what we do.
Let us ask the Lord to help us when we become weak, uncertain and doubting. Let us pray to the Lord to have our gift of faith grow. Faith the size of a mustard seed is enough, truly enough for us to add more meaning to our lives and help make this world a better place. Let us be faithful and loving at the same time. Let us also increase our faith with one another. We should have faith in ourselves as well that we can make a difference as a person, as a family, as a community and as a nation.
Time after time, as a people and as a nation, our faith is tested. In our Christian families and communities, our faith is challenged. As a person and as a child of God, our faith is purified. Faith is always being tested, challenged and purified. Faith is not static, it is alive and dynamic. Faith increases or decreases. As we experience the love of God more and more, our faith increases.
Let us then take time to evaluate our Christian life, our Christian faith. Now that we are grown ups, are we inspired by the Word of God? Do we read religiously and reflect on the messages of the Scriptures? Do we celebrate the living traditions of our faith in full enthusiasm and creativity? Are we more sensitive and responsive to the needs of our brothers and sisters, especially the deprived and marginalized? Do we share our God- experience with others? Do we share the story of Jesus and the love of God with others?
Let us pause, reflect, pray and ask ourselves:
Am I faithful to the laws and commandments of the Lord?
Is my Christian faith well- built and increasing?
Have I grown in virtues?
Do I live a virtuous life?
Does my faith help me experience and see God? Have I lived my life in the Lord?
Prayer: Loving Father, we thank you for the gift of faith. May we grow in faith so as to be able to see more clearly and follow you more closely. Strengthen our faith with your grace so we may give witness to your will and love and so we can inspire others. This we ask through Christ our Lord who lives and reigns with you and the Holy Spirit, one God, forever and ever. Amen.
source: interaksyon.com
Sunday, August 18, 2013
Drug safely cuts prostate cancer risk, study finds
Long-term results from a major federal study ease worries about the safety of a hormone-blocking drug that can lower a man's chances of developing prostate cancer.
The drug cut prostate cancer risk by 30 percent without raising the risk of dying of an aggressive form of the disease as earlier results hinted it might.
The new work could prompt a fresh look at using the drug for cancer prevention. Experts say it could prevent tens of thousands of cases each year, saving many men from treatments with seriously unpleasant side effects.
The drug is sold as Proscar by Merck & Co. and in generic form as finasteride to treat urinary problems from enlarged prostates. It's also sold in a lower dose as Propecia to treat hair loss.
A decade ago, the drug was found to cut the risk of prostate cancer. But there was a small rise in aggressive tumors among its users. Some researchers said that by shrinking the prostate, the drug was just making these tumors easier to find in a biopsy sample — not causing them.
But the concern led the Food and Drug Administration to turn down the drug for cancer prevention and warnings were added to its label.
Now, with 18 years of follow-up from that earlier study, researchers report that men on the drug were no more likely to die than those not taking it.
That's reassuring because if the drug were truly spurring lethal tumors, there would have been more deaths among its users as time went on, said Dr. Michael LeFevre, a family physician at the University of Missouri.
LeFevre wrote an editorial that appears with the study in Thursday's New England Journal of Medicine. He is one of the leaders of the U.S. Preventive Services Task Force, an independent panel of doctors who advise the federal government. The group has not taken a stance on finasteride for prevention but has advised against screening with PSA blood tests.
Screening does more harm than good, the panel has said, because although 240,000 new prostate cancers are diagnosed each year in the United States, only about 30,000 prove fatal. That means many men are treated for cancers that grow too slowly to be life-threatening, and often suffer sexual and urinary problems as a result.
The study, led by Dr. Ian Thompson at the Cancer Therapy and Research Center in San Antonio, was done to see whether finasteride could lower the risk of prostate cancer in men who were getting screened with annual PSA blood tests, as many still choose to do.
Researchers assigned 18,882 men 55 or older with no sign of prostate cancer on blood tests or a physical exam to take finasteride or dummy pills for seven years. When the study ended, those who had not been diagnosed with prostate cancer were offered biopsies to check for hidden signs of the disease.
For the new analysis, researchers tracked the study participants for a longer time — 18 years in all since enrollment began. Only about 10 percent of men on finasteride developed prostate cancer versus 15 percent of those on dummy pills. Aggressive tumors were found in 3.5 percent of men on the drug versus 3 percent of the others. Yet 78 percent of both groups were alive after 15 years.
That means the drug cannot be recommended to prolong life, just to ease suffering by preventing disease, LeFevre said.
"You may be preventing cancers that don't need to be prevented" because so few are life-threatening, but screening is finding these tumors anyway and leading to unnecessary treatments, he said. Reducing that number is a valid reason to use a prevention drug, he said.
Finasteride's other impact is financial. Proscar and a similar drug, GlaxoSmithKline PLC's Avodart, cost about $4 a pill. Generic finasteride is available for less. Insurers cover it when prescribed to treat urinary problems but may not pay if it's used solely for cancer prevention.
The drug also can cause hot flashes, fatigue, weakness, low sex drive and trouble having sex.
"A man certainly needs to know what he's getting into if he decides to take this," LeFevre said.
source: philstar.com
Wednesday, August 14, 2013
4 Tips to Help 40-Somethings Manage Their Debt
Handling debt is a challenge for those of all ages, and the problems start early in our adult lives. It's only natural to incur some heavy debts in our 20s and 30s, as we're dealing with the imbalance between our relatively scarce financial resources and the sizable expenses of getting started with careers and families.
By the time you hit your 40s, you might hope to have moved past that phase. But although many people in their 40s have well-established careers that produce sizable incomes, they also often face growing financial commitments -- both to themselves and to family members. That's a big reason why 40-somethings have the highest levels of debt of any age group, and unlike younger groups, they've seen their debt levels increase slightly since 2005, according to figures from the FICO Banking Analytics Blog.
Debt management in your 40s isn't just about paying down debt. It's also about making sure you're using the right kind of debt to handle the most important expenses you face. Also vital -- maintaining the ability to repay your debts while simultaneously ramping up savings for your longer-term goals.
To address all those issues, here are four things that 40-somethings should keep in mind in dealing with their debt.
1. Anticipate Big-Ticket Expenses.
Dealing with unanticipated expenses can break the budgets of young adults. But by the time you hit 40, you have plenty of life experience behind you and can predict what sorts of financial demands will come up. In particular, major expenses like putting children through college or replacing a vehicle are fairly easy to foresee. The smarter you can be about planning for them beforehand, the better you'll be positioned to minimize how much debt you have to take on to pay for those expenses later.
Having an emergency fund with three to six months' worth of income is out of reach for many young adults, but by your 40s, it becomes more realistic. Having that fund available can keep you from incurring debt and provide a cushion you can tap later for college expenses and other big-ticket items.
2. Get The Right Protection For Your Family.
As 40-somethings hit the peak debt levels of their lifetimes, they're most vulnerable to unforeseen tragedies like a death or major illness in the family. Between lost income and increased expenses, such events can crush even a well-crafted financial plan.
Having the right insurance policies in place to protect against tragic events can ensure your family's financial survival. A simple term-life insurance policy usually costs relatively little but can provide enough death benefits to pay off a home mortgage and other debt while potentially leaving additional savings available for future needs.
3. Put Your Best Debt-Foot Forward.
Young adults tend to take advantage of credit wherever they can get it. But as you get older, your access to better credit should increase, allowing you to skip expensive forms of debt like credit cards and payday loans and instead get low-rate loans that are much easier to pay off. Although low-rate specials on car loans and credit cards can make their interest costs attractive, the most consistently inexpensive financing usually comes from a home mortgage or home equity loan, with government-subsidized student loans also offering reasonable rates for many students. If you have to have debt, look to consolidate it into these favorable areas, then avoid taking out further high-cost debt in the future.
4. Set the Stage For Your Own Future.
As important as debt reduction is, 40-somethings also have to face the inevitability of their own future financial needs. One big reason why it's so important to get rid of bad debt and focus on concentrating outstanding balances in inexpensive forms of credit is to give yourself the flexibility to save more for retirement. As your salary increases, the potential matching contributions from your employer also rise, and you won't want to miss out on the opportunity to collect more free money to put toward your retirement savings.
The hallmark of your 40s is that debt stops being a necessary evil and starts becoming more of a potentially useful tool. By focusing on the positive aspects of debt in helping you balance competing financial needs while avoiding the downsides with which you're already familiar, you can put debt on your side and manage it effectively.
source: dailyfinance.com
My Kid's Drowning in Credit Card Debt! What Do I Do?
If you trusted your son or daughter to keep track of their finances, and they slipped up, what in the world are you supposed to do?
Let's say they've racked up a big, nasty credit card debt -- to the tune of thousands of dollars. Should you pay off their debts to help keep their credit score above water? Or is it better to let them learn from their mistakes and suffer the consequences? Though each individual situation is different, here are your options, what's at stake, and a few pointers to help you plot your course of action.
A Personal Loan, With a Contract
If you have the means, think about whether or not you want to loan your daughter the money. Sometimes her debt is manageable enough that you can pay it off in the form of a personal loan to your daughter. You can charge her interest as well, so she learns just how much a high APR can cost her.
But you have to examine the situation from a lender's perspective, rather than simply write a check and expect she'll make payments. What is her employment situation? Will she be able to make payments to you without the security blanket of your relationship making her complacent? Has she typically been a responsible spender in the past, or does she impulsively purchase on a grand scale regularly? If you do decide to help protect her credit history, it's a smart idea to sign a contract with your daughter to make your agreement more official and binding.
If You Co-Signed, You're on the Hook
If you co-signed on your son's account, you're responsible for his credit card debt. Because of regulations passed in the CARD Act of 2009, it's more difficult for young adults to qualify for credit cards, so more and more parents are co-signing on accounts and acting as guarantors for their children. If you've already taken that step, you should hopefully have realized that your son's purchases will affect your credit, regardless of your involvement.
In this case, it may be more prudent to pay off the debt if you can, cancel his account, and work together to come up with a payment plan to rectify the situation and make sure it never happens again. If you haven't co-signed yet, sit down for a serious conversation with your son on your values and financial responsibility.
Lessons to Be Learned?
Bad credit now will impact her financial future later, but so will bad habits. If your daughter doesn't learn from her mistakes now, there could be bigger and more damaging mistakes ahead. Will bailing your daughter out of her financial mess with creditors make her realize the gravity of her mistake? Or will you just end up fostering her sense of dependence on you? You won't always be there, wallet in hand to save her, so if she can manage to take the credit hit, perhaps it's best to let her learn her lesson this time, and give her some tough love.
Communication Is Key
Loaning money to someone you love is always, always messy. While your son should intellectually know that your love is unconditional (which is why your help comes so willingly), for him, it's emotionally very difficult to face your parents when you owe them money. Plenty of relationships have been ruined by debts of personal loans, both from neglected payments and feelings of shame. Be sure that if you choose to help your son, you commit to maintaining an open dialogue and doing your best to keep business and family separate.
Ultimately, each family and financial situation is different. But before you make a plan to tackle your son or daughter's debt, you need to examine the situation from all angles. There are many factors in play, but above all, your relationship and your child's sense of responsibility from this learning experience should be at the forefront of your mind.
source: dailyfinance.com
Friday, August 2, 2013
Study: Hotter temperatures leads to hotter tempers
WASHINGTON — As the world gets warmer, people are more likely to get hot under the collar, scientists say. A massive new study finds that aggressive acts like committing violent crimes and waging war become more likely with each added degree.
Researchers analyzed 60 studies on historic empire collapses, recent wars, violent crime rates in the United States, lab simulations that tested police decisions on when to shoot and even cases where pitchers threw deliberately at batters in baseball. They found a common thread over centuries: Extreme weather — very hot or dry — means more violence.
The authors say the results show strong evidence that climate can promote conflict.
"When the weather gets bad we tend to be more willing to hurt other people," said economist Solomon Hsiang of the University of California, Berkeley.
He is the lead author of the study, published online Thursday by the journal Science. Experts in the causes of war gave it a mixed reception.
The team of economists even came up with a formula that predicts how much the risk of different types of violence should increase with extreme weather. In war-torn parts of equatorial Africa, it says, every added degree Fahrenheit or so increases the chance of conflict between groups— rebellion, war, civil unrest — by 11 percent to 14 percent. For the United States, the formula says that for every increase of 5.4 degrees Fahrenheit, the likelihood of violent crime goes up 2 percent to 4 percent.
Temperatures in much of North America and Eurasia are likely to go up by that 5.4 degrees by about 2065 because of increases in carbon dioxide pollution, according to a separate paper published in Science on Thursday.
The same paper sees global averages increasing by about 3.6 degrees in the next half-century. So that implies essentially about 40 percent to 50 percent more chance for African wars than it would be without global warming, said Edward Miguel, another Berkeley economist and study co-author.
When the Intergovernmental Panel on Climate Change updates its report next year on the impacts of global warming, it will address the issue of impacts on war for the first time, said Carnegie Institution scientist Chris Field, who heads that worldwide study group. The new study is likely to play a big role, he said.
Hsiang said that whenever the analyzed studies looked at temperature and conflict, the link was clear, no matter where or when. His analysis examines about a dozen studies on collapses of empires or dynasties, about 15 studies on crime and aggression and more than 30 studies on wars, civil strife or intergroup conflicts.
In one study, police officers in a psychology experiment were more likely to choose to shoot someone in a lab simulation when the room temperature was hotter, Hsiang said. In another study, baseball pitchers were more likely to retaliate against their opponents when a teammate was hit by a pitch on hotter days. Hsiang pointed to the collapse of the Mayan civilization that coincided with periods of historic drought about 1,200 years ago.
People often don't consider human conflict when they think about climate change, which is "an important oversight," said Ohio State University psychology professor Brad Bushman, who wasn't part of the study but whose work on crime and heat was analyzed by Hsiang.
There's a good reason why people get more aggressive in warmer weather, Bushman said. Although people say they feel sluggish when they are hot, their heart rate and other physical responses are aroused and elevated. They think they are not agitated, when in fact they are, and "that's a recipe for disaster," Bushman said.
Experts who research war and peace were split in their reaction to the work.
"The world will be a very violent place by mid-century if climate change continues as projected," said Thomas Homer-Dixon, a professor of diplomacy at the Balsillie School of International Affairs in Ontario.
But Joshua Goldstein, a professor of international relations at American University and author of "Winning the War on War," found faults with the way the study measured conflicts. He said the idea of hotter tempers with hotter temperatures is only one factor in conflict, and that it runs counter to a long and large trend to less violence.
"To read this you get the impression, if climate change unfolds as we all fear it will, that the world will be beset by violent conflict and that's probably not true," Goldstein said.
"Because of positive changes in technology, economics, politics and health" conflict is likely to continue to drop, although maybe not as much as it would without climate change, he said.
Miguel acknowledges that many other factors play a role in conflict and said it's too soon to see whether conflict from warming will outweigh peace from prosperity: "It's a race against time."
source: philstar.com
Wednesday, July 31, 2013
Settle Debts Before Investing?
Question: Hi Rose. I enjoy reading your FQ and parenting articles. I also want to start investing now but I think I have to settle my debts first. What do you think? – J.N. via email
Answer: Hi J.N. Yes I agree with you. If you have been carrying debts, which cost you money, the first step is to pay them off. Think of it this way, if you’re able to pay off your credit card debts that charge 3.5% per month, you just “earned” yourself an annual return of 42%! Where can you find an investment return like that?
Sometimes people are also afraid to touch their Emergency Fund to pay off their credit card debts because they want the security of having ready cash for emergency. However, please remember that while your credit card charges you 42% p.a. your Emergency Fund, even if kept in money market placements, only gives you around 2-3% p.a. So pay those loans, then start building your Emergency Fund again. If you have an existing home mortgage with a decent interest rate of 5 to 5.5% p.a., then I think you don’t have to wait to fully pay that before you can start investing. Just make sure that you pay your mortgage on time so you don’t incur penalties and other charges.
I am preparing for a half-day workshop this week for the employees of a government agency. The Human Resources Director asked me to tackle the issue on debt management because she knows that a lot of their employees have debt problems.
She shared with me that their salaries are still given in cash instead of direct credit to employee ATM accounts. When I suggested that they shift to direct credit system in order to nudge their employees to save, she said, “We’re concerned that they might pawn their ATM cards!” I was surprised to hear this and learn that this has become a common practice among people who are living from paycheck to paycheck.
The Origin of Debt:
To know more about debt, I did some research on the origin of debt. I found this book entitled Debt: The First 5,000 Years by anthropologist David Graeber. His interesting theory is that debt originated as early as 3500 B.C., long before the advent of coinage or money in 600 B.C., refuting the traditional explanation for the origins of monetary economies from primitive bartering system as laid out by Adam Smith, the father of modern economics.
I’m not yet done reading the book but it promises to be an interesting read as it talks about how throughout our history indebtedness has led to unrest, insurrections and revolts. The morality of debt is also discussed – how people mired in debt would resort to using their children as payment; how the IMF and the big banks convinced the Third World dictators and politicians to take out loans (while pocketing some in their Swiss accounts) whose interest rates later on skyrocketed leading to the Third World Debt Crisis in the 80s; how the sub-prime lending era crafted mortgages that makes default inevitable, taking bets on these defaults and selling them to institutional investors, turning over the responsibility of paying off debts to giant insurance conglomerates and eventually being bailed out by taxpayers.
What we can gather from this data so far is that debt is really something to be careful with, both on a personal and national/international basis. Inasmuch as it can help us enjoy big-ticket items like buying a house or expanding our business, growing our country without having to put up 100% of cash required, mismanagement can also make life miserable. I’m glad that you intend to pay off your debts now.
Ways to pay off your debts:
The most cost-efficient way to retire your debts is to pay off those which carry high financing cost. And since front-end fees would have been paid by now, these are the loans that carry the highest interest rates. Always make sure you compare the rates on a per annum (p.a.) basis.
However, since handling money is not all about math but has a lot to do about emotions, there are a lot of proponents of the so-called Debt Snowball Method. This method, popularized by Dave Ramsey, advises you to pay off the loan with the smallest outstanding balance first, on to the bigger ones until you pay off all loans. The primary advantage of this method is the psychological contentment that you will feel as you tick off debts from your list. So the smaller the debt, the easier and sooner you can pay it off. You’ll feel the progress more in doing this and give you optimism and drive to pursue until all debts are paid off.
Check which one works for you. As I’ve discussed in previous articles, humans are not always rational and we should work out systems for ourselves such that we move towards our goals more successfully.
May I also remind you not to incur new debts? Review and reflect on how you got into indebtedness so you know what to avoid. Remember debt is bondage. The sooner you get out of it, the closer you move towards your financial freedom. Continue to read up on investing. The more you know about it, the more excited you will be to start the adventure, the more motivated you’ll be to pay off your debts.
Quotes on Debt:
Let me end with some quotes on debts that may be good for you to ponder upon.
“Wars in old times were made to get slaves. The modern implement of imposing slavery is debt.” - Ezra Pound
“If you have debt I’m willing to bet that general clutter is a problem for you too.” - Suze Orman
“In the long run we shall have to pay our debts at a time that may be very inconvenient for our survival.” - Norbert Wiener
“One of the greatest disservices you can do a man is to lend him money that he can’t pay back.” - Jesse Jones
“Debt is like any other trap, easy enough to get into, but hard enough to get out of.” - Henry Wheeler Shaw
“Debt is the secret foe of thrift, as vice and idleness are its open enemies.”-James H. Aughey
“It is poor judgment to countersign another’s note, to become responsible for his debts.” - Bible
“If I owe you a pound, I have a problem; but if I owe you a million, the problem is yours.” - John Maynard Keynes
I wish you freedom from debt soon and financial happiness.
Sincerely,
Rose
source: philstar.com
Sunday, June 30, 2013
The game of Life
Until recently, my wife and I used to fear three words coming out of our daughter’s mouth: “Let’s play Life!”
Life, in case you don’t know, was a popular Milton Bradley board game in the 1960s, now transformed into a card game called Life Adventures.
In it, players take turns choosing cards that offer “plot points” in career, family, adventure or wealth, such as “You have just gone scuba diving in a volcano. Earn 20 points.” You acquire points and lay down your cards in a row, creating your “life” story.
But that’s not the hard part. The hard part is that you have to tell your unfolding story on every turn. Your narration doesn’t have to be any particular length, though you can’t just simply say, “I went scuba diving in a volcano” and be done with it. You have to spiel out some details, such as “After I earned five million bucks from my previous job as an architect building eco-friendly treehouses, I took the money and brought my wife to Taal to scuba dive in the volcano crater; we found a bunch of diamonds down there.”
This may sound like a lot of fun for a couple of writers, and it definitely is for our daughter, who can invent endless storylines and subplots and magically tie them together with previous storylines and subplots for 15-minute stretches. But I have to say, it’s a game that wears out its welcome pretty quickly. Most adults find it hard to dwell in the world of imagination for extended periods; they’ve been taught to deal with a world of realities and facts. “Playing” for them means slicing virtual fruit on a gadget screen or collecting a bunch of virtual candy. Something completely brain-dead, but strangely satisfying. It doesn’t involve inventing a character who represents them, and then trying to live out that character’s life in a plausible storyline. I think that’s pretty much the domain of novelists.
So playing Life Adventures is like writing a novel, except it’s a very bad novel that no one would ever want to read or think about ever again. You have to pretend you got married and had seven kids, and adopted a dolphin, and made a ton of money as a pop star, but then decided to drop it all and study iguanas in South America instead. It’s mentally tiring, much like life itself.
And it’s endless. There are a number of “time” cards in the deck, and when enough of these turn up and are played, the game ends. But not soon enough for me. And so — and here I reveal a secret I hope my daughter never finds out — when she’s not looking, I go through the deck and shove the “time” cards closer to the top, to speed up the game. That’s right: I cheat at Life with my 10-year-old daughter.
But our daughter adores the game. She can’t understand why we hide the thing under a bunch of towels in the linen closet whenever it’s game time. We offer her Monopoly Deal instead, which at least has a possibility of people getting wiped out quickly and someone making their three Monopoly sets and winning (whereas real Monopoly can go on for days). Life Adventures doesn’t seem to have a point, other than to sharpen kids’ storytelling skills (a typical online reviewer describes it as “A very vague game” and gives it two stars. True on many levels).
You could say it’s a very imaginative game, something like Dungeons and Dragons, where people take on roles and develop epic stories for themselves. Yet the cards get predictable after a few times playing it: you just know you’re going to have a mess of kids, buy an exotic house somewhere that you would never purchase in real life, and engage in a series of meaningless career choices as you edge toward The End. Nobody ever dies in Life, but you may find yourself wishing Milton Bradley had included a Death card.
So, that’s Life. I’ve tried in vain to find some metaphorical meaning in my reluctance to play the game, but I think the truth is that I’m just not a fan of tedium. I did enjoy inventing characters the first few times I played it with my wife and daughter; but after that, if I was in a grouchy mood, I would find myself inventing very dark storylines indeed, involving embezzling and crime families and the IRS. You have to do something to keep it lively.
Lately, though, our daughter has shied away from board games altogether. She’s discovered gadgets and apps, you see. And I don’t know how I feel about this: I don’t miss playing Life Adventures much, but I do think she’s missing out on the interactive nature of board games.
Yet I can’t honestly say that playing Life is necessarily more instructive than, say, playing Minecraft. Both at least require imagination. I’ve tried to find some deeper meaning in Life for my daughter, who will probably face all the real-life choices that the game proposes: “adventures” in education, wealth, career, marriage and family. Maybe she could learn some valuable lessons about using education wisely, or marrying well, or helping the environment. But all those choices are strictly random in Life Adventures: they’re not “choices” at all; you just play the cards that are dealt to you. And that seems rather bleak and fatalistic. So, if I’m being honest, I would have to tell her the truth: that Life is pointless and meaningless. And it’s just a game.
source: philstar.com
Friday, June 7, 2013
Amanda Griffin Jacob on vegetarianism and Bill Clinton
MANILA, Philippines - Amanda Griffin Jacob, proud mother of two boys Kieran (3 years old) and Kalon (7 months old), splits her time between Manila and Hong Kong, is currently busy shooting season 2 of her TV show “Amanda, Living Life” with a premiere on June 19th in the Lifestyle Network, and maintains the popular website for mothers www.glamomamas.com.
With such a busy schedule, you’d think she gets her energy from eating from every food variety. The truth is, since 2007, Amanda has made the lifestyle choice of becoming a vegetarian.
Amanda says that she is the veggie pioneer in their family and she shares that as soon as she started, she started feeling much better physically.
“When I was eating meat I had a lot of digestive issues,” Amanda says. “Mentally, I felt wonderful. I had wanted to become a vegetarian since I was in high school but never thought I would be able to live without meat.”
She, along with 15 other Filipinos, has been nominated in PETA’s (People for the Ethical Treatment of Animals) search for the Sexiest Vegetarian Celebrity. Amanda joins a list that includes Bill Clinton, Michelle Yeoh, Joaquin Phoenix, Anne Hathaway, Zhang Ziyi, and Mike Tyson. Other Filipinos in the list are Cynthia Alexander, Raymond Bagatsing, Lougee Basabas, Geneva Cruz, Chin-Chin Gutierrez, Yasmien Kurdi, Maricel Laxa-Pangilinan, Raya Mananquil, Alicia Mayer, Rocco Nacino, Juliana Palermo, Isabel Roces, Nityalila Saulo, Sandra Seifert, and Julia Sniegowski.
“It is really,really cool to be in a group like that,” Amanda says. “The most impressive vegan for me is Bill Clinton. I always think if he could go veggie then anyone can.”
Lifestyle Feature ( Article MRec ), pagematch: 1, sectionmatch: 1
But Amanda is quick to add that being a vegetarian doesn’t necessarily mean you’ll immediately be sexy.
“You can be vegetarian and be unhealthy,” she says. “Vegetarianism should be a lifestyle choice rather than a quick fix diet.”
Her message for those who want to do just that?
“Do it. It’s not as hard as you think. Your mind, body and planet will thank you for it.”
You can vote for the Filipino nominees here: http://www.petaasiapacific.com/feature-sexiest-veg-celeb-2013-Eng.asp
source: philstar.com
Monday, April 29, 2013
How Much Life Insurance Does a Stay-at-Home Parent Need?
Generally, financial gurus recommend that you get 5-20 times your annual income in life insurance coverage. But what if you have no income because you’re a full-time stay-at-home parent? Or what if you contribute a few hundred bucks a year to the family bank account with your side job while you mostly stay home with the kids?
We all know that anything times zero is zero, but that doesn’t mean that a stay-at-home parent should not have life insurance.
In fact, as a stay-at-home parent, you make hugely valuable contributions to your household, contributions that would cost your family a pretty penny should something happen to you.
According to a recent Salary.com survey, the services of a stay-at-home mom in 2012 (sorry, dads, you weren’t part of the survey this time) would cost about $113,000 if you had to outsource those services. The survey looked at the services provided by a typical homemaker, including housekeeper, child care, chauffeur and more. If you had to outsource all those services, you’d pay a lot to do it.
But does that mean that a stay-at-home parent needs more than $1 million in life insurance? Probably not.
The truth is that in single-parent households, not all of these services are outsourced. Yes, if something happened to you, your spouse would have to pay for day care and would probably like to pay for extra services like housekeeping. But plenty of working single parents clean the house, make the lunches, plan the doctor’s appointments, run to school and soccer practice, and work.
The Goal is Something In Between
While your stay-at-home parent services are invaluable for your family, you don’t want to wind up with more life insurance than you can afford. So when you’re deciding how much term life insurance coverage to buy for yourself, you’ll have to do some personal calculations and some hard thinking.
Here’s one process for deciding how much life insurance to carry on the stay-at-home parent in your family:
First, talk about what life would look like if that parent died. No one likes to think about this possibility, but to make good life insurance decisions you must.Which services would the surviving spouse need or want to outsource? Look into the cost of full-time child care in your area and include that in your calculations.You may also want to check out things such as housekeeping services.
Remember to look at the ways a stay-at-home parent saves your family money, as well. For instance, many stay-at-home moms are able to shave hundreds off the monthly grocery bill by meal planning, couponing and cooking at home. If something happened to this parent, the family’s food costs could go up quite a bit.
Also look into counseling services. If something happens to your children’s primary caregiver, chances are they’ll need some professional help to cope in a healthy way. How much would some basic grief counseling or therapy cost your family?
Again, it’s not fun to think about these possibilities, but it’s essential to choosing the right amount of life insurance for a stay-at-home parent.
Second, research how much life insurance coverage would cost. Term life insurance rates are typically low. But if you’re a one-income family living on a tight budget, you may not be able to afford much coverage. On the other hand, if rates are very low, you might be able to afford the luxury of more coverage.
The key is to make sure you can pay for it, even if you get into a tight place financially. Not paying your premiums can result in a termination of coverage, which is not a place you want to find yourself.
Finally, choose how much coverage you want. Your best bet is to apply through a broker, so you can get the best deal on the amount of coverage you need. It’s also easy to get life insurance quotes online.
Having the right type of life insurance coverage for both parents in a family can give you peace of mind, knowing that you’re protecting your family, and especially your children, in the worst possible circumstances. If one partner in your family stays at home with the kids, figuring up life insurance can be more complicated, because you can’t just multiply your annual income. But taking the time to figure out how much life insurance the stay-at-home parent needs is an important step in making sure your family is well protected.
source: doughroller.net
Wednesday, April 3, 2013
1 in 10 Filipinos suffer infertility - study
MANILA, Philippines - One in 10 Filipinos is suffering one or more conditions that prevent them from conceiving, showed results of a study commissioned by pharmaceutical firm Merck Serono.
The study showed that while majority of couples with fertility problems seek initial consultation, treatment is hindered by patients’ perception of the high cost of treatment and lack of understanding on the procedures involved.
Merck Serono is the biopharmaceutical division of Merck KGaA with headquarters in Darmstadt, Germany.
The company released the result of the study as it embarks on a campaign to raise awareness on infertility in the Philippines and its treatment.
The campaign dubbed "Hope for Starting Families", aims to provide couples with relevant information on infertility treatment through public information efforts such as a series of lay fora across major cities nationwide, and a dedicated website on infertility such as www.fertilityphilippines.com. The website will serve as a repository of information on the causes of infertility, available treatment options as well as a directory of medical experts and treatment centers in the Philippines.
Merck said one of the barriers for treatment also stems from the misconception that treatment is not available locally, or that it is more effective in other countries.
Under its campaign, Merck informs Filipino couples that fertility treatments are available from five assisted reproductive technology (ART) centers in the Philippines and that their success rates are comparable to international standards.
According to the Philippine Society of Reproductive Endocrinology and Infertility (PSREI), Filipino couples are encouraged to seek help from fertility experts – and to do so urgently - if they truly want to realize their dream of starting a family.
"Fertility treatments are being successfully done in the country for many years now, and I am happy to report that we have helped many couples conceive with an average success rate of 30 to 50 percent," said Tim Kneen, Regional Vice President of Merck Serono in Asia Pacific.
The Hope for Starting Families campaign is aligned with Merck’s efforts across Asia, following a recent study commissioned by Merck Serono that has been endorsed by the Asia Pacific Initiative on Reproduction (ASPIRE).
Called Starting Families Asia, the study is the largest study of its kind, with 1,000 women across 10 Asian countries surveyed. The study revealed critical knowledge gaps about fertility, the key causes of infertility and fertility treatment options.
The Starting Families Asia reported less than half of the women surveyed across the region understand that a couple is classified as infertile if they fail to conceive after one year of trying (43 percent); that a woman in her forties has a lower chance of falling pregnant than a woman in her thirties (36 percent); and that a healthy lifestyle does not necessarily guarantee fertility (32 percent).
The findings could mean that many women are not seeking the help or treatment that could improve their chances of conceiving – particularly for women above age 35.
"Asian countries have among the lowest fertility rates in the world and the declining birth rates are a cause for concern. Merck Serono commissioned the Starting Families Asia study to better understand Asian women’s decision-making considerations around having a baby. It is our hope that insights from this study, which highlights critical fertility knowledge gaps that need to be addressed, will assist healthcare professionals and policy makers in addressing this acute challenge," Kneen said.
Kneen added Merck will to continue to work closely with doctors, ART centers and patients who have successfully given birth to babies through assisted reproductive techniques to produce and share updated content on significant fertility issues. Merck will also conduct workshops on Basic Infertility Management for obstetricians and gynecologists.
source: philstar.com
Tuesday, December 25, 2012
How to Determine How Much to Give
Dear Dave,
We’re debt-free except for our house, and that’s on a 15-year, fixed-rate mortgage. We also have an emergency fund in place. We’d like to give back this year, and do some Secret Santa things and a little extra giving. At what point should we start giving over and above what we tithe?
-Jeremy
Dear Jeremy,
My advice would be to wait until you finish Baby Step 3, which it sounds like you’ve done. That way, you’ve paid off all of your debt, except the house, plus you have a fully-funded emergency fund of three to six months of expenses.
You mentioned tithing, so I’ll cite the Scripture that says he who doesn’t take care of his family is worse than an unbeliever. I’m paraphrasing, of course, but in my mind, from a financial point of view, taking care of your family means having your emergency fund in place and being out of debt, except for your house. At that stage, you’re beginning to build wealth and you can really help others while knowing those closest to you aren’t going without.
My wife and I made the decision a long time ago to live on a certain amount of money. We apply a formula to everything above that figure for tithing and taxes. The rest we allocate for giving, saving and spending. It works great for us, but be responsible and realistic with what you have. You don’t want one of those areas to hinder the others.
-Dave
Dear Dave,
Do you have any advice for deciding which charities to give money to during the holidays?
-Danny
Dear Danny,
There are so many great organizations out there. It’s virtually impossible to pick three or four and say with any certainty they’re the best.
When it comes to choosing, I think the amount of diligence you put into the decision-making process should correspond directly to the amount of money you’re giving. There’s no reason to spend hours in exhaustive study over a $20 donation. However, you’d want to put some time and thought into research if the amount is $2,000.
In situations like this, I’d want to see full disclosure. I’d like to know the expense ratios of the organization and how much money goes toward administrative costs. Every organization has bills to pay and salaries to consider, but you don’t want overhead to eat up 90 percent of every dollar donated.
Helping a good cause is wonderful, but you’ve got to be reasonable and wise about these things. Don’t feel bad about asking to visit a site and take a tour. Lots of times you can get a feel for what’s going on by just walking around and gauging the people you encounter. Regardless, the bigger the gift, the more time you should spend investigating!
—Dave
source: foxbusiness.com
We’re debt-free except for our house, and that’s on a 15-year, fixed-rate mortgage. We also have an emergency fund in place. We’d like to give back this year, and do some Secret Santa things and a little extra giving. At what point should we start giving over and above what we tithe?
-Jeremy
Dear Jeremy,
My advice would be to wait until you finish Baby Step 3, which it sounds like you’ve done. That way, you’ve paid off all of your debt, except the house, plus you have a fully-funded emergency fund of three to six months of expenses.
You mentioned tithing, so I’ll cite the Scripture that says he who doesn’t take care of his family is worse than an unbeliever. I’m paraphrasing, of course, but in my mind, from a financial point of view, taking care of your family means having your emergency fund in place and being out of debt, except for your house. At that stage, you’re beginning to build wealth and you can really help others while knowing those closest to you aren’t going without.
My wife and I made the decision a long time ago to live on a certain amount of money. We apply a formula to everything above that figure for tithing and taxes. The rest we allocate for giving, saving and spending. It works great for us, but be responsible and realistic with what you have. You don’t want one of those areas to hinder the others.
-Dave
Dear Dave,
Do you have any advice for deciding which charities to give money to during the holidays?
-Danny
Dear Danny,
There are so many great organizations out there. It’s virtually impossible to pick three or four and say with any certainty they’re the best.
When it comes to choosing, I think the amount of diligence you put into the decision-making process should correspond directly to the amount of money you’re giving. There’s no reason to spend hours in exhaustive study over a $20 donation. However, you’d want to put some time and thought into research if the amount is $2,000.
In situations like this, I’d want to see full disclosure. I’d like to know the expense ratios of the organization and how much money goes toward administrative costs. Every organization has bills to pay and salaries to consider, but you don’t want overhead to eat up 90 percent of every dollar donated.
Helping a good cause is wonderful, but you’ve got to be reasonable and wise about these things. Don’t feel bad about asking to visit a site and take a tour. Lots of times you can get a feel for what’s going on by just walking around and gauging the people you encounter. Regardless, the bigger the gift, the more time you should spend investigating!
—Dave
source: foxbusiness.com
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