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Tuesday, March 12, 2013
Inside the Murky World of Webcam Hackers
Malta election returning Labor party to power
VALLETTA, Malta (AP) ? An election victory is returning Malta's Labor party to power after 15 years in the opposition.
Prime Minister Lawrence Gonzi of the Nationalist Party conceded defeat on Sunday as ballots were still being counted in the island nation and eurozone member. Labor leader Joseph Muscat will be sworn in as the new prime minister on Monday.
Projections by both parties indicated a decisive victory for Labor, giving it 55 percent of the votes cast, compared to 43 percent for the conservatives.
Smaller parties took the rest of the votes, as Labor clinched its biggest victory since Malta obtained independence from Britain in 1964.
Complete results weren't expected until late Sunday, and the exact breakdown of seats in Parliament was still being determined.
Analysts said the shift in power apparently reflects voter desire for change.
The conservative Nationalists had kept unemployment at 4.3 percent and pledged to reduce taxes. But Labor promised to lower energy tariffs and fight corruption.
Source: http://news.yahoo.com/malta-election-returning-labor-party-power-184307884.html
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US probes Sanofi over blockbuster drug Plavix
PARIS (AP) ? The U.S. Justice Department is investigating drug maker Sanofi's disclosures to the Food and Drug Administration about different responses to its blockbuster blood thinner Plavix.
The French company said in a filing with the Securities and Exchange Commission last week that it learned in June about the investigation.
It did not provide details, saying only that the investigation centered on "the variability of response to Plavix." The company did not immediately respond to requests to give more details on the investigation.
Plavix is prescribed to heart disease patients to prevent dangerous blood clots, which can cause heart attack, stroke and death. In 2010, the FDA added a black box ? its strongest form of warning ? to the drug's label. At the time, the watchdog said certain patients with a genetic variation cannot metabolize the drug, putting them at increased risk for heart attack and stroke.
Before it got U.S. generic competition last May, Plavix was the No. 2 drug in the world by revenue, with annual sales of around $9 billion in 2011.
Sanofi says it is cooperating with the investigation into Plavix, which is jointly marketed with U.S.-based Bristol-Myers Squibb. Bristol-Myers Squibb spokeswoman Jennifer Fron Mauer said the company had no comment on the investigation.
Experts were divided over the potential impact of the investigations, partly because few details are known.
"If the company knew about it in June, why did it delay disclosure?" said Erik Gordon, professor and analyst at University of Michigan's Ross School of Business. "Investors are likely to bring lawsuits over the delay."
He noted that the DoJ's involvement raised the stakes: "The DoJ has people who carry badges. It can pursue criminal penalties. It could indicate that the FDA thinks the companies deliberately misled the agency. "
But Les Funtleyder, healthcare strategist at private equity fund Poliwogg, said the probe was likely not a big deal as it is retrospective.
"These issues seem to crop up a lot with pharmaceuticals," he said. "This is the type of event that investors tend to look around, as the occurrence is fairly common."
Shares in Sanofi ended the day 0.5 percent lower on Monday, slightly worse than the broader market.
In order to work effectively, Plavix must be broken down by a particular liver enzyme. But the FDA says 2 to 14 percent of people in the U.S. have low levels of the enzyme, preventing them from successfully processing Plavix. The likelihood of being a non-responder varies by race, according to the FDA.
____
AP Business Writer Linda A. Johnson in Trenton, N.J., contributed to this story.
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Monday, March 11, 2013
Amazon's Quest for Web Names Draws Foes - Greg Bensinger ...
Large and small companies are vying for control of an array of new Internet domain names, but Amazon.com Inc.?s plans are coming under particular scrutiny.
Two publishing industry groups, the Authors Guild and the Association of American Publishers, are objecting to the online retailer?s request for ownership of new top-level domain names that are part of a long-awaited expansion of the Web?s addressing scheme. They argue that giving Amazon control over such addresses ? which include ?.book,? ?.author? and ?.read? ? would be a threat to competition and shouldn?t be allowed.
Read the rest of this post on the original site ?
Source: http://allthingsd.com/20130311/amazons-quest-for-web-names-draws-foes/
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Microsoft's Lync 2013 now available for Windows Phone, iOS app due later this week
Good news today for Microsoft Lync account holders, as the company which calls Redmond home just announced that the 2013 version of its mobile clients has arrived on Windows Phone and should be coming soon to iOS. The apps will be bringing some much-requested features to both platforms, including VoIP and video calls, as well as an iPad-only desktop / application share viewing option to make it simpler for those tuned in to understand what exactly you're talking about. Currently, the Lync 2013 client appears to only be compatible with Windows Phone 8, and mum's the word on when, or if, a 7.8 equivalent will be coming. The iOS crowd, on the other hand, should be able to download the new application as soon as it goes through Cupertino's regulatory App Store approval process -- which, according to the Lync team, is expected to be in the coming days.
Filed under: Cellphones, Tablets, Software, Mobile, Microsoft
Source: Lync, Windows Phone
Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/Pzhjlf6RGiw/
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The World's Greatest Financial Tool | Life Insurance & Financial ...
Did you know that there is ONE, and only one, financial tool that can help you do ALL of the following things (without hitting the lottery) ?
- Replace the income of a deceased spouse, parent, or guardian?
- Provide an instant estate for your family or heirs if you die?
- Leave an estate or legacy to your favorite charity, school, or other cause?
- Provide money to pay for long term care at your home or a facility?
- Guarantee the value of a ?key man? to a business?
- Can provide money to execute a ?Buy/Sell Agreement? in a business?
- Pay your estate taxes or other debts when you die?
- Can be sold for cash?
- Can help the family of a college-bound student qualify for more financial aid?
- Or builds a cash value that can be accessed without penalties or income taxes for ?
- Emergencies?
- Investment?
- Paying off your house?
- A financing alternative to expensive banks and finance companies?
- Building a retirement income free of income taxes?
Well, there is.? It?s called life insurance and it?s a much more valuable tool than you?ve probably ever been told.? In fact, other people have probably given you a limited view of life insurance. Even some of the most well-known financial writers in newspapers and magazines do NOT understand the value of life insurance and life insurance agents.? It is impossible to put a value on the massive damages these people are doing to you and others just like you!
TERM LIFE INSURANCE
Have you ever heard somebody say, ?Life insurance is only for death protection? or ?You should only buy term insurance; it?s pure insurance protection and it?s cheaper??? Well, they are only part right.? In the correct situation, term insurance MAY be the perfect solution for your situation.? As the name implies, term insurance is designed to protect somebody from the harm that might come from the premature death of a loved one during a specific period of time, or ?term?. A friend of mine is a perfect example. When my friend and his sister were in college, his mother took out a term insurance policy to make sure that if anything happened to her before both of her kids had graduated, their college tuition would be guaranteed. Another situation might arise if a spouse or parent was going to be working in an extra dangerous job for a period of time. A term policy that provides extra coverage for that specific period of time is perfectly appropriate in that situation. But does this apply to most people and most situations? No, it does not.
Term insurance normally starts out less expensive than permanent insurance, but gets more expensive as the years go by, especially when you get older. This is why it?s been said that only 2% of term life insurance policies are paid out by insurance companies. The other 98% are either upgraded or abandoned, mostly because the insured person can no longer afford to make the payments.? I recently delivered a quote for a 20 year term policy to a man in his 50?s that was only a little over $600 a year but, in 20 years, the annual premium jumps to over $13,000 per year!? What do you think is more likely?? Will he renew the policy in 20 years and make the much larger payments?? Or is it more likely that he?ll abandon the policy and no longer have coverage?? What will his heirs get if he dies without coverage? Nothing!
WHOLE LIFE
On the other hand, whole life was designed with a very different goal in mind. The annual premiums for whole life are fixed for life when you start, based on your age, your health at that time, and the amount of the death benefit. At some point, the premiums for whole life become LESS expensive than term life and remain that way for the rest of your life.? Even more important, whole life policies are designed to end in one of two ways, either you will die and your heirs will get the death benefit (free of income taxes), OR you will live long enough to get a complete refund of the premiums you paid, which is typically an amount equal to the death benefit!? So, one way or another, whole life is designed to be FREE protection! This is because, in a whole life policy, part of the premium payment goes into a ?cash value? account, which grows at a fixed rate, sometimes with dividends added. As we will examine later, the cash value of a permanent life insurance policy can do MANY things and here?s what the financial writers are all missing ? cash value life insurance has many LIVING BENEFITS that can be used to improve the quality of your life WHILE YOU ARE ALIVE, if they are needed.? Term insurance does not!
Some years ago, an insurance agency made a lot of money using the phrase, ?Sell your whole life, buy term, and invest the difference? and a lot of people sold their whole life and bought term; many from that company.? Unfortunately, they didn?t invest the difference, or their investments didn?t perform as well as they hoped and, when they reached retirement age, they could no longer afford the term insurance, and they also didn?t have the cash or investment value they needed.? You can imagine the lawsuits that ensued and, I can tell you, that company went out of business.? However, it?s surprising how many people are STILL repeating that phrase!? You are a lot luckier than the people that bought into that craziness because you are reading this report and you are going to know that there is a better way.
INDEXED UNIVERSAL LIFE
In 2013, the fastest-growing form of permanent life insurance is called ?indexed universal life insurance? and it combines all of the living benefits of whole life, with a great degree of flexibility, with the opportunity to earn a much higher rate of return on the cash value.? The cash value can now be ?overfunded? (within limits) to take advantage of the opportunity to earn a higher rate without risking the cash value to exposure in the securities markets. That?s a lot of information to squeeze into just two sentences, so let?s take a closer look.? An indexed universal life insurance policy has a death benefit, just like term and whole life insurance.? But the annual premiums are flexible and can change from year to year.
YOU get to decide how much they change from year to year, depending on your priorities.? THIS is the biggest reason why affluent people LOVE indexed universal life insurance.? If you want to emphasize just the death benefit, you will only pay the cost of the insurance.? If you want to increase the cash value and take advantage of the opportunity for greater returns, you will overfund the policy by increasing the premium payments.? There are limits to how much you can overfund a policy to keep it from becoming a MEC (modified endowment contract), but that is beyond the scope of this report.? Just know that there are limits to how much money you can put into these policies, but they are always designed to remain within those limits and your insurance company will normally alert you if you approach them.
The opportunity to earn greater returns on the cash value without exposing the money to market risk comes from linking the cash value to the performance of a stock market index without actually investing the money in the index.? There are many stock market indexes that are used by insurance companies.? When you own one of these policies, you will have the chance to choose which index is used, but the most common is the Standard & Poors 500 Index (S&P 500).? Let?s examine how this works by assuming you have linked your account 100% to the S&P 500.? In simplest terms, if you have $10,000 in your account and the S&P goes up 5% in a year, your account will have $10,500 at the start of the next year.? If the S&P goes up 10% the following year, you will add $1,050 and start the next year with $11,550.? Simple, right?
Here?s where it gets interesting.? If the S&P goes down the next year (by any percentage), your account will not go down AT ALL!? This is because indexed universal life insurance policies come with a ?floor.?? That floor means that your cash value never goes down, it only goes up or stays the same.? So, in our example above, if you start year three with $11,550 in cash value and the S&P goes down, you will start the next year with the same $11,550.? To illustrate how important this is, look at the performance of the S&P 500 from the year 2000 to 2010.? The S&P went up by an average of less than ?% per year during that time, but indexed universal life policies averaged over 9% because they went up when the market went up, but stayed the same when the market went down.
Now there is a caveat about the performance of universal life insurance policies.? To pay for the protection of the ?floor?, insurance companies normally have a ?cap? on the percentage by which your cash value can increase in a single year. For example, they might say that the percentage of increase is capped at 12%, which would mean your cash value cannot increase by a rate higher than that.? So, if the S&P goes up by 15%, your account would only go up by 12%, the maximum under the cap.? So, what we say in the insurance industry is that, when the market goes up, you participate in the upward movement.? When the market goes down, you are protected from losses due to market forces.
There are many details which we have not discussed here, because my goal is to give you an idea of the power of this financial tool while helping you understand the reasons why it is still so poorly understood and utilized by adults of all ages and income levels.? It is tragic that so many people are either underinsured or have no life insurance at all in 2013.
WHAT TO DO NEXT
Do you remember the list of 10 things at the top of this Report that I said can be accomplished using just one financial tool?? The only financial tool that can help you do all 10 of those things is an indexed universal life insurance policy.? If you would like to learn more about how this tool may or may not be appropriate for your unique needs, I would love to meet with you.? Give me a call at (949)509-9100 in Newport Beach and ask for Michael Goodman.? I promise that NOTHING will be offered for sale at that meeting.? We will discuss your needs and circumstances and I will answer any questions you have.? If there is a need for a solution that I can offer, then we?ll start working on it.? But the next move is yours.? It?s been said that knowledge is power, but that?s only part right. Knowledge PLUS ACTION is power.? Take action now and call me.
Michael Goodman
(909)509-9100? extension 113
?
Source: http://indexuniversallife.net/142/the-greatest-financial-tool/
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Is Elisabeth Hasselbeck leaving 'The View,' too?
Rumors that Elisabeth Hasselbeck is leaving 'The View' began swirling the day after her co-host Joy Behar announced her departure.
President Barack Obama appeared on ABC's "The View" in 2010 with co-hosts from left, Whoopi Goldberg, Barbara Walters, Joy Behar, Sherri Shepherd, and Elisabeth Hasselbeck. Elisabeth Hasselbeck may be leaving the show in the wake of Joy Behar, who announced her departure Thursday.
Steve Fenn/ABC/AP
EnlargeTelevision commentator Elisabeth Hasselbeck is leaving "The View" once its current season ends in August, according to multiple U.S. media reports on Friday.
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US Weekly magazine first reported that Hasselbeck was leaving the daytime television talk show. An unnamed source told the magazine's website that she did not attract enough viewers and that her contract would not be renewed.
Deadline.com and the Hollywood Reporter also reported Hasselbeck's departure, citing unnamed sources.
ABC released a statement saying only that Hasselbeck "is a valued member of 'The View' and has a long-term contract."
Her agent did not return calls for comment on the reports.
Hasselbeck, 35, joined the long-running women-oriented talk show in 2003 and is an outspoken conservative, often clashing with former co-host and liberal Rosie O'Donnell.
Co-host Joy Behar, who has been with the program since its debut in 1997, said on Thursday that she would leave the show after the season.
Hasselbeck and Behar host the show alongside veteran TV journalist Barbara Walters, actress Whoopi Goldberg and actress-comedienne Sherri Shepherd.
Hasselbeck, who is married to former pro football quarterback and ESPN commentator Tim Hasselbeck, began her television career as a contestant on the CBS reality series "Survivor" in 2001.
ABC is owned by Walt Disney Co.
Source: http://rss.csmonitor.com/~r/feeds/csm/~3/siz55RrD6wk/Is-Elisabeth-Hasselbeck-leaving-The-View-too
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