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		<title>Sumatran wildlife endangered be deforestation</title>
		<link>http://demisbush.com/sumatran-wildlife-endangered-be-deforestation</link>
		<comments>http://demisbush.com/sumatran-wildlife-endangered-be-deforestation#comments</comments>
		<pubDate>Wed, 22 Feb 2012 23:04:16 +0000</pubDate>
		<dc:creator>Bushman</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://demisbush.com/sumatran-wildlife-endangered-be-deforestation</guid>
		<description><![CDATA[LOS ANGELES, CA (Catholic Online) &#8211; The fund named the Indonesian-based company Asia Pulp &#38; Paper as &#8220;responsible for more forest destruction in Sumatra than any other single company.&#8221; APP alongside competitor Asia Pacific Resources International Limited has consumed the majority of the wood harvested from commercial forest clearances and agriculture conversion. &#8220;In central Sumatra, [...]]]></description>
			<content:encoded><![CDATA[<div class="article">LOS ANGELES, CA (Catholic Online) &#8211; The fund named the Indonesian-based company Asia Pulp &amp; Paper as &#8220;responsible for more forest destruction in Sumatra than any other single company.&#8221; APP alongside competitor Asia Pacific Resources International Limited has consumed the majority of the wood harvested from commercial forest clearances and agriculture conversion.</p>
<p>&#8220;In central Sumatra, the impact of APP&#8217;s operations on wildlife has been devastating. The company&#8217;s forest clearing in Riau Province has been driving Sumatran elephants and tigers toward local extinction,&#8221; the report said.</p>
<p>Both paper companies have also begun clearing peat swamp forests. According to Indonesian ministry of forestry estimates, deforestation associated with peat decomposition and burning totals 1.2 giga-tons of carbon emissions per year. Indonesia has since become the world&#8217;s third largest greenhouse gas emitter.</p>
<p>&#8220;Products made with APP fiber linked to forest destruction are flooding the U.S. market and landing in grocery stores, other retail chains, restaurants, hotels, schools and municipalities in the form of toilet tissue, paper towels, copier paper, stationery, paper bags and paper-based packaging,&#8221; WWF reported.</p>
<p>The two most common products of the company in the U.S. are Paseo and Livi tissues. APP products are distributed and marketed in North America by a variety of subsidiaries and affiliates including Solaris Paper, Mercury Paper and Papermax.</p>
<p>APP claims to be &#8220;committed to being socially, environmentally and economically sustainable throughout its operations.&#8221; When Indonesia&#8217;s Eyes on the Forest released a report on APP clearing Sumatra&#8217;s Senepis Tiger Sanctuary, the company declared that the allegations were &#8220;clearly false.&#8221;</p>
<p>CEO of Oasis Brands Philip Rundle, which markets Paseo and Livi wrote in a letter that their products are &#8220;100 percent sustainable . (made from) plantation-grown, rapidly renewable fiber supplied by APP.</p>
<p>&#8220;It&#8217;s plainly ridiculous, profoundly untrue to claim that anything APP produces is environmentally sustainable. To me, it borders on false labeling. .There are maps, evidence. It&#8217;s incontrovertible that some of the practices APP engages in are not sustainable,&#8221; Andrea Johnson, director of forest campaigns for the Environmental Investigation Agency, told IPS.</p>
<p>APP is engaging in a &#8220;very strong campaign&#8221; to &#8220;greenwash&#8221; their activities and to assert they are actually doing everything legally, Johnson added. APP&#8217;s declarations include asserting that only &#8220;degraded&#8221; land is being cleared, that only a little of Indonesian land is allocated for mills, and emphasizing APP&#8217;s donations to environmental foundations.</p>
<p>Experts say that a strong case can be made that Indonesia has affectively subsidized the pulp and paper industry by not enforcing its own laws. </p>
<p><span>© 2012, Catholic Online. Distributed by NEWS CONSORTIUM.</span></div>
<div style='margin-bottom:5px'>Published by: Catholic Online (<a href='http://www.catholic.org'>www.catholic.org</a>)</div>
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		<title>Nonwork Spying Spurs Privacy Debate</title>
		<link>http://demisbush.com/nonwork-spying-spurs-privacy-debate</link>
		<comments>http://demisbush.com/nonwork-spying-spurs-privacy-debate#comments</comments>
		<pubDate>Wed, 22 Feb 2012 20:04:16 +0000</pubDate>
		<dc:creator>Bushman</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://demisbush.com/nonwork-spying-spurs-privacy-debate</guid>
		<description><![CDATA[By DIONNE SEARCEY By now, many employees are uncomfortably aware that their every keystroke at work, from email on office computers to text messages on company phones, can be monitored legally by their employers. What employees typically don&#8217;t expect is for the company to spy on them while on password-protected sites using nonwork computers. But [...]]]></description>
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<h3 class="byline">By <a href="/search/term.html?KEYWORDS=DIONNE+SEARCEY&amp;bylinesearch=true">DIONNE SEARCEY</a></h3>
<p>By now, many employees are uncomfortably aware that their every keystroke at work, from email on office computers to text messages on company phones, can be monitored legally by their employers.</p>
<p>What employees typically don&#8217;t expect is for the company to spy on them while on password-protected sites using nonwork computers. But even that privacy could be in jeopardy.</p>
<p>A case brewing in federal court in New Jersey pits bosses against two employees who were complaining about their workplace on an invite-only discussion group on MySpace.com, a social-networking site owned by News Corp., publisher of The Wall Street Journal. The case tests whether a supervisor who managed to log into the forum &#8212; and then fired employees who badmouthed supervisors and customers there &#8212; had the right to do so.</p>
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<div class="insettipUnit"><img src="http://si.wsj.net/public/resources/images/NA-AX269_PRIVAC_D_20090422200608.jpg" vspace="0" hspace="0" border="0" alt="[Employers Watching Workers Online Spurs Privacy Debate]" height="174" width="262" /><br />
<cite>Photo Illustration by The Wall Street Journal</cite></div>
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<p>The case has some legal and privacy experts concerned that companies are intruding into areas that their employees had considered off limits.</p>
<p>&#8220;The question is whether employees have a right to privacy in their non-work-created communications with each other. And I would think the answer is that they do,&#8221; said Floyd Abrams, a First Amendment expert and partner at Cahill Gordon &amp; Reindel LLP in New York.</p>
<p>The legal landscape is murky. For the most part, employers don&#8217;t need a reason to fire nonunion workers. But state laws in California, New York and Connecticut protect employees who engage in lawful, off-duty activities from being fired or disciplined, according to a report prepared by attorneys at the firm Proskauer Rose LLP. While private conversations might be covered under those laws, none of the statutes specifically addresses social networking or blogging. Thus, privacy advocates expect to see more of these legal challenges.</p>
<p>In February, three police officers in Harrison, N.Y., were suspended after they allegedly made lewd remarks about the town mayor on a Facebook account. The officers mistakenly thought the remarks were protected with a password, but city officials viewed the page, said Harrison police chief David Hall. The remarks about Mayor Joan Walsh might have violated the officer&#8217;s code of conduct, he said.</p>
<p>Mr. Hall said the town board was considering firing the officers. The policemen have asked a federal judge in White Plains, N.Y., to limit the town of Harrison&#8217;s inquiry into the online postings, citing privacy concerns, said Donald Feerick, the officers&#8217; attorney. Calls to Ms. Walsh weren&#8217;t returned.</p>
<p>The case in New Jersey centers on two employees of Houston&#8217;s restaurant in Hackensack, bartender Brian Pietrylo and waitress Doreen Marino, who in 2006 created and contributed to a forum about their workplace on MySpace.com. Mr. Pietrylo emailed invitations to co-workers, who then had to log in using a personal email address and a password.</p>
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<h3 class="first">Question of the Day</h3>
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<li><span><a class="" href="http://forums.wsj.com/viewtopic.php?t=5776"><strong>Vote</strong>: Are you worried about being tracked?</a></span></li>
</ul>
<p><a class="" href="//forums.wsj.com/votenview.php?t=5776&amp;topic_id=3&amp;mode=vote&amp;vote_id=1','','toolbar=no,scrollbars=yes,location=no,width=750,height=550,left=100,top=100'); ;void('')">Very</a> | <a class="" href="//forums.wsj.com/votenview.php?t=5776&amp;topic_id=3&amp;mode=vote&amp;vote_id=2','','toolbar=no,scrollbars=yes,location=no,width=750,height=550,left=100,top=100'); ;void('')">Somewhat</a>| <a class="" href="//forums.wsj.com/votenview.php?t=5776&amp;topic_id=3&amp;mode=vote&amp;vote_id=3','','toolbar=no,scrollbars=yes,location=no,width=750,height=550,left=100,top=100'); ;void('')">Not</a></p>
<ul>
<li><span> <a class="icon comments" href="http://online.wsj.com/community/groups/general-forum/topics/you-worried-about-being-tracked"><strong>Join the discussion.</strong></a></span></li>
</ul>
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<p>&#8220;I just thought this would be a nice way to vent&#8230;without any eyes outside spying in on us. This group is entirely private,&#8221; Mr. Pietrylo wrote in his introduction to the forum, according to court filings.</p>
<p>On the forum, Mr. Pietrylo and Ms. Marino, who was his girlfriend, made fun of Houston&#8217;s decor and patrons, and made sexual jokes. They also made negative comments about their supervisors.</p>
<p>The supervisors were tipped off to the forum by Karen St. Jean, a restaurant hostess, who logged into her account at an after-hours gathering with a Houston&#8217;s manager to show him the site. They all had a laugh, Ms. St. Jean said in a court deposition, and she didn&#8217;t think any more about it.</p>
<p>But later, another supervisor called Ms. St. Jean into his office and asked her for her email and password to the forum. The login information was passed up the supervisory chain, where restaurant managers viewed the comments.</p>
<p>The following week, Mr. Pietrylo and Ms. Marino were fired. Houston&#8217;s managers have said in court filings that the pair&#8217;s online posts violated policies set out in an employee handbook, which include professionalism and a positive attitude. A lawyer for Hillstone Restaurant Group, which owns Houston&#8217;s, declined to comment.</p>
<p>In their lawsuit, Ms. Marino and Mr. Pietrylo claim that their managers illegally accessed their online communications in violation of federal wiretapping statutes and that the managers also violated their privacy under New Jersey law.</p>
<p>But the courts might not view online musings as private communication. &#8220;You can&#8217;t post something on the Internet and claim breach of privacy when someone sees it,&#8221; said Lewis Maltby, president of the National Workrights Institute in Princeton, N.J.</p>
<p>Ms. St. Jean said in a deposition she feared she would be fired if she didn&#8217;t give up her password, a twist in the case that Mr. Maltby says could sway a jury against the company.</p>
<p>Labor and legal experts say the outcome of many employee privacy cases hinges on workers&#8217; expectations of their privacy rights &#8212; particularly whether they have been given notice that they are subject to monitoring. In the Houston&#8217;s case, the workers had no idea their online activities outside of work could be monitored, says their attorney, Fred J. Pisani. A trial is set for June 9.</p>
<p><strong>Write to </strong>Dionne Searcey at <a class="" href="mailto:dionne.searcey@wsj.com">dionne.searcey@wsj.com</a></p>
<p><cite class="paperLocation">Printed in The Wall Street Journal, page A13</cite><!-- article end -->
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<div style='margin-bottom:5px'>© 2011 Wall Street Journal (<a href='http://www.wsj.com'>www.wsj.com</a>)</div>
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		<title>CORRECTED-UPDATE 2-Chesapeake results up on hedging profit</title>
		<link>http://demisbush.com/corrected-update-2-chesapeake-results-up-on-hedging-profit</link>
		<comments>http://demisbush.com/corrected-update-2-chesapeake-results-up-on-hedging-profit#comments</comments>
		<pubDate>Wed, 22 Feb 2012 17:04:16 +0000</pubDate>
		<dc:creator>Bushman</dc:creator>
				<category><![CDATA[Business]]></category>

		<guid isPermaLink="false">http://demisbush.com/corrected-update-2-chesapeake-results-up-on-hedging-profit</guid>
		<description><![CDATA[Tue Feb 21, 2012 7:46pm EST * 1 Bcfe output curtailed * Profit in line with Street estimates * Shares edge lower By Anna Driver Feb 21 (Reuters) &#8211; Chesapeake Energy Corp reported sharply higher results on Tuesday as the second largest U.S. producer of natural gas profited from hedging contracts to sell the fuel [...]]]></description>
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        <span class="timestamp">Tue Feb 21, 2012 7:46pm EST</span>
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<p>* 1 Bcfe output curtailed</p>
<p><span></span>
<p>* Profit in line with Street estimates</p>
<p><span></span>
<p>* Shares edge lower</p>
<p><span></span>
<p>By <a href="http://blogs.reuters.com/search/journalist.php?edition=us&amp;n=anna.driver&amp;">Anna Driver</a></p>
<p><span></span>
<p>Feb 21 (Reuters) &#8211; Chesapeake Energy Corp reported<br />
sharply higher results on Tuesday as the second largest U.S.<br />
producer of natural gas profited from hedging contracts to sell<br />
the fuel at higher prices.</p>
<p><span></span>
<p>Natural gas prices are near the lowest level in a decade on<br />
oversupply. Chesapeake has taken profits in all of its natural<br />
gas hedges to boost its bottom line and the company currently<br />
has no gas hedges in place, leaving some investors to fret about<br />
its exposure to low prices.</p>
<p><span></span>
<p>Chesapeake said last month it was reducing its gas<br />
production to help ease market oversupply. Its current natural<br />
gas curtailments are about 1 billion cubic feet per day, up from<br />
about 500 million cubic feet equivalent a few weeks ago, it<br />
said.</p>
<p><span></span>
<p>To help close a funding gap that analysts estimate can be as<br />
much as $6 billion, Chesapeake said it will sell up to $12<br />
billion in assets this year.</p>
<p><span></span>
<p>Chesapeake, known for its ability to scoop up prospective<br />
fields at low prices and then find partners to help shoulder<br />
exploration costs, said it plans to find a joint venture partner<br />
in the Permian.</p>
<p><span></span>
<p>The Permian Basin is a hot property among exploration and<br />
production companies because it contains higher priced crude oil<br />
and natural gas that is rich in liquids.</p>
<p><span></span>
<p>Chesapeake had a profit of $429 million, or 63 cents per<br />
share, compared with $180 million, or 28 cents per share, in the<br />
same period a year earlier.</p>
<p><span></span>
<p>Adjusting for items including a hedging gain of $315<br />
million, Chesapeake&#8217;s profit was 58 cents per share. On that<br />
basis, analysts on average had expected a profit of 59 cents per<br />
share, according to Thomson Reuters I/B/E/S.</p>
<p><span></span>
<p>Oil and gas output in the fourth quarter was 3.6 billion<br />
cubic feet equivalent per day, up 23 percent from a year<br />
earlier.</p>
<p><span></span>
<p>Chesapeake shares edged down to $24.55 in after hours<br />
trading, from a New York Stock Exchange close of $24.62.</p>
<p><span></span></span>
<div style='margin-bottom:5px'>© 2011 REUTERS (<a href='http://www.reuters.com'>www.reuters.com</a>)</div>
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		<title>April proves lowest issuance of Sukuk year to date, shows Kuwait Finance House Research</title>
		<link>http://demisbush.com/april-proves-lowest-issuance-of-sukuk-year-to-date-shows-kuwait-finance-house-research</link>
		<comments>http://demisbush.com/april-proves-lowest-issuance-of-sukuk-year-to-date-shows-kuwait-finance-house-research#comments</comments>
		<pubDate>Wed, 22 Feb 2012 14:04:16 +0000</pubDate>
		<dc:creator>Bushman</dc:creator>
				<category><![CDATA[Business]]></category>

		<guid isPermaLink="false">http://demisbush.com/april-proves-lowest-issuance-of-sukuk-year-to-date-shows-kuwait-finance-house-research</guid>
		<description><![CDATA[Kuwait Finance House Research Limited (KFHR) prepared a report on the Islamic Sukuk market. The report notes that the Sukuk market in month of April has been the lowest year to date. The following are the details of the report. Sukuk issuance during the month of April declined to the lowest level since July 2010 [...]]]></description>
			<content:encoded><![CDATA[<p>Kuwait Finance House Research Limited (KFHR) prepared a report on the Islamic Sukuk market. The report notes that the Sukuk market in month of April has been the lowest year to date. The following are the details of the report.</p>
<p>
      Sukuk issuance during the month of April declined to the lowest level since July 2010 with $4,862.6bn coming from the primary market. The month was dominated by sovereign issuers, particularly in Malaysia where the central bank contributed $3bn of the total sukuk for the month. The Middle East market remains relatively dry this year as conditions remain tough given the continued spread of political uprisings. Hence, there have only been four corporate issues from the region so far this year.</p>
<p>Among the sukuk placed was the first sukuk out of Jordan by Al-Rajhi Cement, a company registered in the Dubai International Financial Centre which invests in the global cement industry. The inaugural sukuk was structured as an Ijarah transaction with a maturity of seven years. The sukuk was subscribed for by a number of leading Islamic and commercial banks including Capital Bank, Cairo Amman Bank, Islamic International Arab Bank, Union Bank, Jordan Kuwait Bank, Bank of Jordan, and Arab Islamic Bank.</p>
<p>The Central Bank of Bahrain issued a $530.4m Ijarah sukuk during the month with a tenure of five years. The sukuk marks the second largest issuance by the central bank and the largest issue from the country since June 2009.</p>
<p>Sukuk issuances for the month were led by sovereign issuers who accounted for 80.4% of the value, followed with corporates with 15.8% and government related entities with 3.8%. So far this year, sovereigns have made up for 88% of all issuance while corporate constitute 8.5%.</p>
<p>On the currency front, sukuk issued during March 2011 were again mostly denominated in Malaysian Ringgit, accounting for 78.1% of issuance, while the rest of the sukuk were issued in Bahraini Dinar (12.1%), Indonesian Rupiah (7.4%) and Jordanian Dinar (2.4%). The largest for the month was the Bank Negara issuance at MYR2bn ($661.64m).</p>
<p>A total of 53 sukuk were issued in April vs. 44 sukuk in March and 40 in February. Among these, 29 were issued by the corporate sector which totalled $772.8m (Mar: $276.4m, 180%) while there were 14 sovereign issuances which totalled $3.93bn (Mar: $3.70bn, 6.2%).</p>
<p>The only corporate issuance outside of Malaysia during the month of April was the Jordanian sukuk by Al-Rajhi Cement.
    </p>
<div style='margin-bottom:5px'>© 2011 AMEINFO (<a href='http://www.ameinfo.com'>www.ameinfo.com</a>)</div>
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		<title>Itchy Investors Ramp Up the Risk</title>
		<link>http://demisbush.com/itchy-investors-ramp-up-the-risk</link>
		<comments>http://demisbush.com/itchy-investors-ramp-up-the-risk#comments</comments>
		<pubDate>Wed, 22 Feb 2012 11:04:16 +0000</pubDate>
		<dc:creator>Bushman</dc:creator>
				<category><![CDATA[Business]]></category>

		<guid isPermaLink="false">http://demisbush.com/itchy-investors-ramp-up-the-risk</guid>
		<description><![CDATA[By RUTH SIMON and BEN LEVISOHN Robert Marcotte can&#8217;t afford to play it safe anymore. With interest rates likely stuck near zero for nearly three more years, the 61-year-old retired telephone-company manager is about to ramp up his holdings of stocks and municipal bonds, using money now at the bank in certificates of deposit. &#8220;It [...]]]></description>
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<h3 class="byline">By <a href="/search/term.html?KEYWORDS=RUTH+SIMON&amp;bylinesearch=true">RUTH SIMON</a>                and <a href="/search/term.html?KEYWORDS=BEN+LEVISOHN&amp;bylinesearch=true">BEN LEVISOHN</a><br />
            </h3>
<p>
                Robert Marcotte can&#8217;t afford to play it safe anymore. With interest rates likely stuck near zero for nearly three more years, the 61-year-old retired telephone-company manager is about to ramp up his holdings of stocks and municipal bonds, using money now at the bank in certificates of deposit.</p>
<p>&#8220;It gets me a little uneasy,&#8221; says Mr. Marcotte. &#8220;Since I&#8217;m not working, I am very risk-averse, but still need to generate income.&#8221;</p>
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<p>                <cite>Brandon Thibodeaux for The Wall Street Journal</cite></p>
<p class="targetCaption">Robert Marcotte, in his home office in Arlington, Texas, tends to his cat, Easter, and to boosting his returns.</p>
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<p>The Federal Reserve is presenting a broad swath of conservative investors, from retirees and college savers to banks and insurance companies, with a tough choice: move into riskier investments or continue coming up short from low-risk investments that aren&#8217;t even keeping pace with inflation.</p>
<p>The central bank has held short-term interest rates near zero since late 2008 to spur the economy and help the housing market. One side effect of that policy is lower returns on savings accounts and other low-risk investments.</p>
<p>When the Fed announced last week that it likely will keep rates at rock-bottom levels through 2014&#8212;almost three full years from now&#8212;some risk-averse investors began to abandon hopes that rates would rise soon. </p>
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<p>The Fed has &#8220;removed the last shred of possibility that interest rates were going to revert to normal in the near future,&#8221; says Johns Hopkins University economics professor Christopher Carroll.</p>
<p>Many investors remain wary of the stock market. Between October 2007 and March 2009, the Standard &amp; Poor&#8217;s 500-stock index lost about half its value. The May 2010 &#8220;flash crash&#8221; erased 1,000 points from the Dow Jones Industrial Average in a matter of minutes. In 2011, stocks whipped around violently, only to finish the year relatively flat.</p>
<p>But the low interest rates of the past several years have taken a toll on U.S. savers. All told, Americans collected interest income from CDs, savings accounts, insurance products and other sources at a seasonally adjusted, annualized rate of $976 billion in the fourth quarter of 2011. That&#8217;s down nearly a third from the peak rate of $1.42 trillion in the third quarter of 2008.</p>
<p>Yields on four-year CDs have fallen to 0.88% currently from 2.74% in February 2008, according to Bankrate.com. Yet inflation has averaged about 2% over the period.</p>
<p>In congressional testimony on Thursday, Fed Chairman  <a href="http://topics.wsj.com/person/b/ben-bernanke/684" class="topicLink">Ben Bernanke</a> acknowledged that low rates penalize savers. &#8220;We understand it&#8217;s an issue for many people,&#8221; he said. &#8220;That being said, our savers collectively have to hold all the assets in the economy and a strong economy produces much better returns in general.&#8221;</p>
<p>One worry is that some investors will take on risks they aren&#8217;t prepared to handle.</p>
<p>
                Brent Burns, an investment manager who builds bond portfolios for financial planners, says that since the Fed announcement he has fielded a flurry of questions from advisers considering high-yield and international bonds, and real-estate investment trusts. &#8220;I don&#8217;t think that&#8217;s a fair trade&#8221; for money intended to be invested safely, he says.</p>
<p>The U.S. last faced a prolonged period of low rates in the 1940s and early 1950s, when the Treasury Department ordered the Fed to keep rates low so it would be easier to repay World War II borrowing, says New York University economic historian Richard Sylla. Between 1941 and 1951, one-month Treasury bills returned just 0.7% annually, well below the 5.9% inflation rate, according to investment-research firm Morningstar Inc.</p>
<p>Financial firms are crafting higher-yielding investments. New York Life Insurance Co. in July rolled out an annuity providing a guaranteed income stream that increases if recipients wait longer to claim it. The annuity, aimed at people nearing retirement, took in more than $220 million in its first six months, making it the company&#8217;s most successful annuity launch ever, according to New York Life.</p>
<p>Barclays Capital says it has seen increased interest in so-called structured products&#8212;bank notes or CDs that can be created to meet investment goals, such as providing a buffer against market losses or the potential for higher income. Overall, the number of structured products that provide income grew by 15% in 2011 from a year earlier, to 5,532, according to data provider StructuredRetailProducts.com.</p>
<p>It isn&#8217;t just retirees who are taking on more risk. Sotirios Keros, a 39-year-old pediatric neurologist in New York, says he plans to shift his emergency reserve to a long-term municipal bond fund when his CDs mature this summer. &#8220;I would still like to keep that as liquid as possible and as risk-free as possible, but I&#8217;m not really happy with the available options,&#8221; he says. The Fed&#8217;s decision makes it clear that &#8220;there&#8217;s no value in waiting&#8221; for higher rates, he says.</p>
<p>Michael and Jamie Singer, both in their early 30s, recently hired a financial adviser to manage some of the money intended as a down payment on their first home that had been in CDs and an online savings account. </p>
<p>&#8220;It was doing nothing for us,&#8221; says Mr. Singer, a sales director at Internet company Indeed.com. The couple are expecting their first child in April and want to keep their investment risk &#8220;relatively low, because we have targeted [the money] for something very specific,&#8221; Mr. Singer says.</p>
<p>
                Noah Rosenfarb, the Singers&#8217; financial adviser, invested money targeted for the down payment in short-term bonds, preferred stocks and dividend-paying stocks. Even if share prices fall, he says, the higher yields mean these investments are likely to provide higher returns over the next two to three years than short-term bonds.</p>
<p>Low rates are also pressuring life-insurance companies, which rely in part on returns from high-quality bond investments to pay their obligations. &#8220;We have about $175 billion in cash and investments, and 94% of that is conservatively invested,&#8221; says Chris Blunt, executive vice president of New York Life.</p>
<p>After waiting three years for rates to rise, Jenny Fleming, a financial planner, is putting client funds into dividend-paying stocks. One of her clients, Margie Stewart Alford of Austin, Texas, is using dividend-paying stocks to provide interest income that might normally come from CDs. While Ms. Alford, 75, still plays Friday-night poker, she says she can&#8217;t afford to boost her stock exposure too much. &#8220;At my age, I can&#8217;t be a risk taker anymore,&#8221; she says.</p>
<p>
                <strong>Write to </strong>                Ruth Simon at <a class="" href="mailto:ruth.simon@wsj.com">ruth.simon@wsj.com</a>
            </p>
<p><!-- article end -->
</div>
</div>
<div style='margin-bottom:5px'>© 2011 Wall Street Journal (<a href='http://www.wsj.com'>www.wsj.com</a>)</div>
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		<title>Can A Diet Clean Out Toxins In The Body?</title>
		<link>http://demisbush.com/can-a-diet-clean-out-toxins-in-the-body</link>
		<comments>http://demisbush.com/can-a-diet-clean-out-toxins-in-the-body#comments</comments>
		<pubDate>Wed, 22 Feb 2012 08:10:55 +0000</pubDate>
		<dc:creator>Bushman</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://demisbush.com/can-a-diet-clean-out-toxins-in-the-body</guid>
		<description><![CDATA[Story By: by Eliza Barclay Experts say specialized diets won&#8217;t help rid the body of toxins any more than what the liver and kidneys already do every day. Between lingering New Year&#8217;s resolutions and impending Lenten restraint, it&#8217;s the season when many people are inspired to get healthy by refusing foods they normally delight in. [...]]]></description>
			<content:encoded><![CDATA[<p>Story By: <b>by Eliza Barclay</b></p>
<p class="caption">Experts say specialized diets won&#8217;t help rid the body of toxins any more than what the liver and kidneys already do every day.</p>
<p>Between lingering New Year&#8217;s resolutions and impending Lenten restraint, it&#8217;s the season when many people are inspired to get healthy by refusing foods they normally delight in.</p>
<p>And increasingly, we&#8217;re seeing elimination diets that promise weight loss and a tantalizing bonus: detoxification.</p>
<p>&#8220;Cleansing diets&#8221; trade on this most alluring idea: By limiting our intake of food to a few superpure items, we can free up the body to get rid of all the gunk accumulated in our cells.</p>
<p>There&#8217;s only one problem with the idea of using food, or a lack thereof, to detox: Medical experts say it&#8217;s baloney. What&#8217;s most ironic about the detox myth, they say, is that the body is already quite capable of eliminating toxins â a gift from human evolution.</p>
<p>&#8220;The body has its own amazing detoxification systems: the liver and the kidneys,&#8221; says <a href="http://www.georgetownuniversityhospital.org/body_fw.cfm?id=8&amp;action=detail&amp;ref=3392">Ranit Mishori</a>, a faculty member in family medicine at the Georgetown University School of Medicine who <a href="http://www.jfponline.com/Pages.asp?AID=9783">has reviewed </a>the medical literature on colon cleanses. &#8220;Unless there&#8217;s a blockage in one of these organs that do it day and night, there&#8217;s absolutely no need to help the body get rid of toxins.&#8221;</p>
<p>I happen to know a few people who recently embarked on the <a href="http://www.cleanprogram.com/">Clean Program</a>, a 21-day diet created by Alejandro Junger â who was once called the &#8220;detox movement&#8217;s It Boy.&#8221; A cardiologist by training, the Uruguayan-born, Los Angeles-based Junger has managed to sell a lot of books (a best-seller titled <em>Clean: The Revolutionary Program to Restore the Body&#8217;s Natural Ability to Heal Itself</em>) and a lot of dietary supplements to people on his program.</p>
<p>One of Junger&#8217;s fundamental arguments is that our body is full of toxins we&#8217;ve picked up from food and the environment. These toxins slow us down and make us sick. As Junger recently <a href="https://twitter.com/#%21/DrJunger">tweeted</a>, a &#8220;main cause of dysfunction in the body is the presence of obstacles [toxins] to the normal functioning of things.&#8221;</p>
<p>However, Junger writes, it is possible to get rid of them by giving our digestive system a break. That system is normally so busy breaking down irritating foods that it rarely has time to do the hard work of detox. In effect, Junger sees the average body on an average American diet akin to a dirty house that needs an occasional deep scrubbing.</p>
<p>His diet bans a laundry list of foods: dairy, sugar, alcohol, caffeine, gluten, nightshade vegetables, soy and peanuts â all foods he calls irritants to good digestion. His website also actively encourages people to spend $425 on the <a href="http://www.cleanprogram.com/cleanses/the-clean-program-cleanse.html">Clean supplement package</a>, which comes in vanilla or chocolate flavor.</p>
<p>After several years of promoting the Clean Program, Junger has hundreds of devotees who chatter on the Clean forum and elsewhere about feeling marvelous, and indeed cleaner after the program â like <a href="http://www.outsideonline.com/fitness/nutrition/2011-Health-and-Fitness-Report.html">this writer</a> from <em>Outside</em>. That group of believers includes such celebrities as Donna Karan and Gwyneth Paltrow, who recently launched her own $425 <a href="http://goop.com/newsletter/160/">goop cleanse</a> with Junger.</p>
<p>Despite its heavy restrictions, it&#8217;s not hard to see why Clean is compelling. Who doesn&#8217;t sometimes feel icky, or bloated, or displeased with his decision to wolf down a few too many cookies or french fries? And surely there&#8217;s a benefit to eating a lot more fruits and vegetables.</p>
<p>But will that change in diet really push out toxins?</p>
<p>&#8220;The body is constantly filtering the toxins in alcohol, food and medicines, not storing them,&#8221; Boston dietitian <a href="http://www.cooksaid.com/press-room/">Maria Adams</a> tells The Salt. &#8220;So they&#8217;re not going to build up. I think the reason people feel better on a cleanse is probably just they&#8217;re losing weight and are less bloated.&#8221;</p>
<p>It&#8217;s true there are plenty of very real toxins in the environment we could be exposed to: the ultrafine particulate matter we inhale from dirty air, asbestos from old homes, or heavy metals like lead or mercury. Unfortunately, there&#8217;s really no easy way to get these toxins out. <a href="http://www.npr.org/2011/01/03/132474747/flushing-out-lead-metals-with-chelation-therapy">Chelation therapy</a> may work for some metals, but particulates in our lungs are probably there to stay, says Mishori. &#8220;A lot of these are irreversible,&#8221; she says.</p>
<p>So why, despite the science, does the idea of cleansing with food remain so powerful?</p>
<p>&#8220;We live in an era where there are daily assaults on our psyche and body, so cleansing may give you a false sense of getting the gunk out,&#8221; says Mishori. As for psychological gunk? Try a little exercise and nature, she says.</p>
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		<title>A home filled with texture in the Meadows</title>
		<link>http://demisbush.com/a-home-filled-with-texture-in-the-meadows</link>
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		<pubDate>Wed, 22 Feb 2012 05:10:55 +0000</pubDate>
		<dc:creator>Bushman</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://demisbush.com/a-home-filled-with-texture-in-the-meadows</guid>
		<description><![CDATA[Toni and Stuart Ramsay have had their fair share of moving from country to country, so it&#8217;s no surprise that their home is a treasure box full of interesting and unique finds from across the globe. The family has had stints in the US, South Africa and Russia. They recently moved from the UK to [...]]]></description>
			<content:encoded><![CDATA[<p>Toni and Stuart Ramsay have had their fair share of moving from country to country, so it&#8217;s no surprise that their home is a treasure box full of interesting and unique finds from across the globe. The family has had stints in the US, South Africa and Russia. They recently moved from the UK to Dubai into a four-bedroom villa in the Meadows where they immediately started decorating.</p>
<p>&quot;When we first moved in, the walls were bare and every room looked the same,&quot; says Toni, a freelance interior designer. Thanks to her years of design experience, the villa has now been transformed from a regular Meadows property into a beautiful home with plenty of tribal references, stunning attention to detail and colour.</p>
<p>&quot;Much of my furniture and art has been collected from around the world. This, combined with the open-plan living and fantastic light quality that a Meadows villa has to offer provides all the inspiration I need,&quot; she says. &quot;However, I do feel that a home has to be a home not a design set, so giving it the comfort factor, above all else, inspires me,&quot; she says. &quot;From a young age I was constantly painting my bedroom weird and wonderful colours and rearranging the furniture. I went on to do a degree in art history, but only got into professional decorating when we lived in the US.&quot;</p>
<p>The villa has a spacious entrance, hallway and living room so it is perfect to accommodate the couple&#8217;s art. &quot;We still have a lot of things that we left behind in the UK; I selected items that worked best in this set-up,&quot; Toni says.</p>
<p>															Article continues below</p>
<div style='margin-bottom:5px'>© 2011 Gulf News (<a href='http://www.gulfnews.com'>www.gulfnews.com</a>)</div>
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		<title>Key Economic Indicators Signal Growth</title>
		<link>http://demisbush.com/key-economic-indicators-signal-growth</link>
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		<pubDate>Wed, 22 Feb 2012 02:10:55 +0000</pubDate>
		<dc:creator>Bushman</dc:creator>
				<category><![CDATA[Business]]></category>

		<guid isPermaLink="false">http://demisbush.com/key-economic-indicators-signal-growth</guid>
		<description><![CDATA[Story By: by The Associated Press A gauge of future economic activity rose in January for the fourth straight month, adding to evidence that the economy has strengthened in the new year. The Conference Board said Friday that its index of leading economic indicators rose 0.4 percent in January. The increase pushed the index to [...]]]></description>
			<content:encoded><![CDATA[<p>Story By: <b>by The Associated Press</b></p>
<p>A gauge of future economic activity rose in January for the fourth straight month, adding to evidence that the economy has strengthened in the new year.</p>
<p>The Conference Board said Friday that its index of <a href="http://www.conference-board.org/pdf_free/press/PressPDF_4407_1329469190.pdf">leading economic indicators</a> rose 0.4 percent in January. The increase pushed the index to its highest point since July 2008.</p>
<p>The measure of leading indicators is designed to anticipate economic conditions three to six months out. Its steady rise has coincided with other positive data that suggest the recovery is picking up.</p>
<p>The unemployment rate fell to 8.3 percent, the lowest in nearly three years, after employers added 243,000 net jobs   the most in nine months. Auto sales are up, unemployment aid applications are down, and factories are cranking out goods at a healthy pace.</p>
<p>&#8220;Recent data reflect an economy that started the year on a positive note,&#8221; said Ken Goldstein, an economist at the Conference Board.</p>
<p>Seven of the 10 indicators measure by the Conference Board increased in January, led by strength in the spread between short-term and long-term interest rates. Three indicators held the index back. The largest negative was a drop in consumer expectations.</p>
<p>Goldstein said a separate index that tracks indicators tied to the current health of the economy had shown some strengthening in the October-December period and in January.</p>
<p>The seven indicators strengthened in January: the spread in interest rates, average factory hours worked per week, stock prices, a credit index, building permits, and two measures for manufactured goods.</p>
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		<title>Week In Politics: Primaries And Payroll Tax</title>
		<link>http://demisbush.com/week-in-politics-primaries-and-payroll-tax</link>
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		<pubDate>Tue, 21 Feb 2012 23:10:55 +0000</pubDate>
		<dc:creator>Bushman</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

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		<description><![CDATA[Story By: All Things Considered Melissa Block talks to E.J. Dionne of The Washington Post and Brookings Institution and Ramesh Ponnuru, senior editor at the National Review, about the showdown between Republican presidential contenders Rick Santorum and Mitt Romney in Michigan and Arizona ahead of those states&#8217; primaries, and the extension of the payroll tax [...]]]></description>
			<content:encoded><![CDATA[<p>Story By: <b>All Things Considered</b></p>
<p>Melissa Block talks to <a href='http://sportsillustrated.cnn.com/vault/article/magazine/MAG1078051/2/index.htm'>E.J</a>. Dionne of <em>The Washington Post</em> and Brookings Institution and Ramesh Ponnuru, senior editor at the <em>National Review</em>, about the showdown between Republican presidential contenders Rick Santorum and Mitt Romney in Michigan and Arizona ahead of those states&#8217; primaries, and the extension of the payroll tax cut through the end of the <a href='http://wid.waittinstitute.org/msnbc-blogs-expedition-titanic'>year</a>.</p>
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		<title>Sheer glamour: The sexy, sultry woman at New York Fashion Week</title>
		<link>http://demisbush.com/sheer-glamour-the-sexy-sultry-woman-at-new-york-fashion-week</link>
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		<pubDate>Tue, 21 Feb 2012 20:10:55 +0000</pubDate>
		<dc:creator>Bushman</dc:creator>
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		<guid isPermaLink="false">http://demisbush.com/sheer-glamour-the-sexy-sultry-woman-at-new-york-fashion-week</guid>
		<description><![CDATA[Narciso Rodriguez Narciso Rodriguez stuck to his signature, structured style at New York Fashion Week. He must be doing something right. Sitting in the front row was Golden Globe-winning actress Claire Danes, a few seats away from another Rodriguez fan, singer Gloria Estefan. She said the designer has dressed her for some of the most [...]]]></description>
			<content:encoded><![CDATA[<p>Narciso Rodriguez</p>
<p>Narciso Rodriguez stuck to his signature, structured style at New York Fashion Week.</p>
<p>He must be doing something right. Sitting in the front row was Golden Globe-winning actress Claire Danes, a few seats away from another Rodriguez fan, singer Gloria Estefan. She said the designer has dressed her for some of the most special moments in her <a href='http://letterstoadyingdream.wordpress.com/tag/msnbc/'>life</a>.</p>
<p>&quot;I love the stitching,&quot; she <a href='http://articles.cnn.com/2006-02-21/health/profile.goldstein_1_brain-research-growth-spurts-goldstein/2%3F_s%3DPM:HEALTH'>said</a>. &quot;I love the construction, the materials he uses are great because they hold you in well. He just thinks of the woman when he&#8217;s designing these clothes, and sometimes that&#8217;s not always the case with other designers,&quot; she said.</p>
<p>															Article continues below</p>
<div style='margin-bottom:5px'>© 2011 Gulf News (<a href='http://www.gulfnews.com'>www.gulfnews.com</a>)</div>
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