13,000 got suspect steroid shots; risk uncertain

A vial of injectable steroids from the New England Compounding Center is displayed in the Tennessee Department of Health in Nashville, Tenn., on Monday, Oct. 8, 2012. The CDC has said an outbreak of fungal meningitis may have been caused by steroids from the Massachusetts specialty pharmacy. (AP Photo/Kristin M. Hall)

A vial of injectable steroids from the New England Compounding Center is displayed in the Tennessee Department of Health in Nashville, Tenn., on Monday, Oct. 8, 2012. The CDC has said an outbreak of fungal meningitis may have been caused by steroids from the Massachusetts specialty pharmacy. (AP Photo/Kristin M. Hall)

Workers can be seen inside the State Health Operations Center in the Tennessee Department of Health on Monday, Oct. 8, 2012 in Nashville. Health officials in Tennessee are reviewing recent deaths that were not initially linked to a deadly fungal meningitis outbreak. (AP Photo/Kristin M. Hall)

Map shows states affected by the meningitis outbreak and those receiving suspected tainted medications.

NEW YORK (AP) ? As many as 13,000 people received steroid shots suspected in a national meningitis outbreak, health officials said Monday. But it's not clear how many are in danger.

Officials don't how many of the shots may have been contaminated with meningitis-causing fungus tied to the outbreak. And the figure includes not only those who got them in the back for pain ? who are most at risk ? but also those who got the shots in other places, like knees and shoulders.

Those injected in joints are not believed to be at risk for fungal meningitis, said Curtis Allen, a spokesman for the Centers for Disease Control and Prevention. He said there was no breakdown available of how many had the shots in the back or in joints.

The CDC count of cases reached 105 on Monday, including eight deaths. A ninth death was reported late Monday by a Nashville, Tenn., hospital.

Tennessee has the most cases, followed by Michigan, Virginia, Indiana, Florida, Maryland, Minnesota, North Carolina and Ohio.

All had received shots for back pain, and investigators suspect a steroid medication made by a specialty pharmacy. About 17,700 single-dose vials of the steroid sent to 23 states have been recalled. Inspectors found at least one sealed vial contaminated with fungus, and tests were being done on other vials.

The first known case of the rarely seen fungal meningitis was diagnosed last month in Tennessee. The steroid maker, New England Compounding Center of Framingham, Mass., recalled the drug, and over the weekend recalled everything else it makes.

"While there is no indication at this time of any contamination in other NECC products, this recall is being taken as a precautionary measure," the company said in a statement.

Meningitis is an inflammation of the lining of the brain and spinal cord, and a back injection would put any contaminant in more direct contact with that lining.

Symptoms on meningitis include severe headache, nausea, dizziness and fever. The CDC said many of the cases have been mild and some people had strokes. Symptoms have been appearing between one and four weeks after patients got the shots.

A Michigan man whose wife's death was linked to the outbreak said Monday that he, too, was treated with steroids from one of the recalled batches.

"Not only have I lost my wife, but I'm watching the clock to see if anything develops," George Cary said, as friends and family gathered for his wife's wake in Howell, 60 miles northwest of Detroit.

His wife, Lilian, 67, had been ill since late August, but meningitis wasn't detected until Sept. 22, her husband said. She suffered a stroke and died Sept. 30, he said.

Michigan officials have not released the names of two people who have died in the outbreak in that state, but did say one was a 67-year-old woman.

Fungal meningitis is not contagious like the more common forms. The two types of fungus linked so far to the outbreak are all around, but very rarely causes illness. Fungal meningitis is treated with high-dose antifungal medications, usually given intravenously in a hospital.

The steroid is known as preservative-free methylprednisolone acetate, which the compounding pharmacy creates by combining a powder with a liquid.

Doctors should contact any patient who got doses from any of the recalled lots, and should look back at their records as far back as mid-May, CDC officials say.

___

AP writer Ed White in Detroit contributed to this report.

___

Online:

CDC information: http://www.cdc.gov/HAI/outbreaks/meningitis.html

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2012-10-08-Meningitis%20Outbreak/id-9cab400b57b9470892119cbe61c233b6

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Wind Developers For Sale: 11 Clean Energy Stocks for 2012, October Update

Tom Konrad CFA

September Overview

September was another quiet month for my Clean Energy model portfolio and the stock market in general, with the exception of Finavera Wind Energy (TSX:FVR, OTC:FNVRF), which put itself up for sale last Monday (see below.)?

Since my last update, my model portfolio rose a modest 4.5%, shadowing my broad market benchmark, the Russell 2000 index (^RUT), also up 4.5%.? Although my clean energy picks rose in line with the broader market, the clean energy sector as a whole lost 0.6%, as measured by the most widely held clean energy ETF, the Powershares Wilderhill Clean Energy ETF (PBW).
?
For the year, my clean energy model portfolio increased its lead compared to PBW to 26%, but still lags the broad market by 9%.? The unhedged portfolio is up 6.5% for the year, while the hedged portfolio is down 0.4%, having lost money on the hedge as the broad market rose.? For comparison, PBW is down 16.1% and the Russell 2000 is up 15.4%.

For details on the performance of my individual picks, see the chart and discussion below.

Stock Notes

Among individual stocks,

• Western Wind Energy (TSX-V:WND / OTC: WNDEF) gained 8.2% over the month as management released more details about the sale process, revealing that 14 potential buyers were looking over company data, and five other interested parties were in the process of negotiating non-disclosure agreements so that they could also look over the data.? Some uncertainty also was dispelled when management saw off an attempted by Savitr Capital to replace the board at the company's annual meeting on September 25th with 74% of the vote.
  
• On October 1st, Finavera Wind Energy (TSX:FVR, OTC:FNVRF, up 30.4%) shot up after announcing that it had put itself up for sale and was already in discussion with three serious bidders.? This was most likely prompted by the termination of a planned sale of the company's Wildmare wind project to Innergex Renewable Energy Inc. (TSX: INE, OTC:INGXF), leaving Finavera desperately short of liquidity.? On Friday, Finavera revealed that it had entered discussions with a fourth potential acquirer, and that initial bids are expected soon. The fourth bidder is most likely B9 Energy of Northern Ireland, since Finavera director Robert Ian Harvey stepped down because of a "conflict of interest with one of the bidders" the same day the fourth bidder was announced.? Harvey is a founding director, shareholder, and CFO of B9.? B9 is the largest independent operator of wind farms in the UK.
• New Flyer Industries (TSX: NFI / OTC:NFYEF) was up1% from last month.? The company declared second-quarter earnings of $3.6 million, compared to a $7.3 million loss in the second quarter of 2011.? Canaccord Genuity increased it's price target for NFI from $7.25 to $8.00, but BMO Capital markets reduced it's price target from $7.50 to $7.25.? The stock was helped by the rising Canadian dollar, but hurt by lower production caused when New York City delayed an order for 90 buses in order to complete an independent review.
  
• Waste Management (NYSE:WM) fell 6.7% on a downgrade to neutral from overweight by JP Morgan, which also lowered its price target to $34 per share.
  
• Rockwool International A/S (COP:ROCK-B, OTC:RKWBF) advanced 11.3%, riding the improving outlook for Europe and a strengthening Danish Krone, but did not release any significant company news.
  
• Lime Energy (NASD:LIME, down 1,6%) continued to tread water as investors wait for the results from an internal investigation into the company's revenue reporting.? Early in the month, I thought Lime had found a bottom at $0.70 because it looked like everyone who wanted to sell had sold.? I was wrong about that: Volume selling resumed in force on September 27th, knocking the stock down to $0.69 at the close on October 5th.? I picked up a little more at $0.65 with a limit order.

  

There was little change for Alterra Power (TSX:AXY / OTC: MGMXF, down 5%) , Accell (Amsterdam:ACCEL, down 1.5%), Veolia (NYSE:VE, up 2.1%), Honeywell (NYSE:HON, up 5%), or Waterfurnace Renewable Energy (TSX:WFI, OTC:WFIFF, up 3.5%).

DISCLOSURE: Long WFIFF, LIME, RKWBF, WM, ACCEL, NFYEF, FNVRF, WNDEF, MGMXF, VE.

DISCLAIMER: Past performance is not a guarantee or a reliable indicator of future results.? This article contains the current opinions of the author and such opinions are subject to change without notice.? This article has been distributed for informational purposes only. Forecasts, estimates, and certain information contained herein should not be considered as investment advice or a recommendation of any particular security, strategy or investment product.? Information contained herein has been obtained from sources believed to be reliable, but not guaranteed.

Source: http://feedproxy.google.com/~r/Alternativeenergyandtech/~3/mKtXRZjaZrc/wind_developers_for_sale_11_clean_energy_stocks_for_2012_october_update_1.html

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Social media hones cynical edge in presidential politics

In the first presidential campaign since social media came of age, the campaigns of President Barack Obama and Mitt Romney are both struggling to learn the new rules of the road.

By Bob Sullivan

When you're watching the first presidential debate Wednesday night, don't believe what you see. Online, that is. As Mitt Romney and Barack Obama make their inevitable slip-ups and fact-challenged assertions, bring your well-trained skepticism to every computer, cell phone and tablet screen near you.

Jokes that seem to catch fire on their own -- remember Clint Eastwood's invisible Obama from the Republican convention? -- might not be quite so organic. Twitter themes that seem to be everywhere might not be popular so much as purchased. And stinging one-liners that show up in your streams and news feeds might make you chuckle, but they are probably half-truths, and most definitely not a great tool for picking the leader of the Free World.

Even if you aren't on Twitter, virtually all political reporters are, and they increasingly take their cues from it. This is the first presidential election in which social media will play a mainstream role, and it's important to remember not everything is as it seems online.

---

Four years ago, Facebook and Twitter had only just begun to capture the world's imagination (Pew says that 10 percent of the electorate used social media in 2008 to research candidates, and Twitter was scarcely 2 years old on election night). But with this election cycle, the social media giants are now key outlets for candidates to transmit their messages to voters. While social media may appear to offer unfettered, uncontrollable discussion of candidates and their positions, the campaigns are hard at work learning how to manipulate the tools to their advantage. And there's added spice to the Internet element of this season's presidential campaign -- because social media is so new, rules of engagement are lacking.

For example, Barack Obama famously held a surprise virtual town hall on Aug. 29, offering to take questions from Reddit.com users, embracing that site's standard "Ask Me Anything" (AMA) format. The event was unusual because it occurred during the height of the Republican National Convention, breaking the well-established convention that candidates don't upstage each other during their opponent's convention. Obama almost certainly wouldn't have held a traditional press conference that day -- but a Reddit AMA?? Who's to say that was a violation of unwritten politicking rules? When suspicion arose that questions from the AMA might have been less spontaneous than they first appeared, many observers chimed in with cynical reminders that real-world town halls and press conferences also include plants. Who's to say what rules should apply on Reddit?

About the same time, Romney's campaign made what is believed to be the first major campaign purchase of a "sponsored hashtag," attempting to corral discussion on Twitter around the topic "#AreYouBetterOff?" Simultaneously, a parody Twitter account named MexicanMitt was temporarily suspended. A month or two earlier, Romney's number of Twitter followers shot up by a surprising amount. Are such hashtag purchases tasteful? Was suspension of the account coincidental? Is it fair to purchase followers? Again, the online rules aren't clear.?

There is little argument that Obama's campaign, which held an exclusive on grass-roots Internet campaigning last time around, holds a major advantage over Romney on Twitter and Facebook. Some of that is pure demographics -- new Web tools skew younger and more liberal. But some of it is the result of well-timed sarcasm campaigns. Each time Romney trips over his tongue, you can be sure a cascade of social media comedy ?-- a "meme," in Internet lingo -- will follow. Sometimes, that's an organic outpouring of creativity. Sometimes, that's the work of an Obama supporter like Matt Ortega. He told Salon earlier this year that he was behind a website named "EtchASketchMittRomney.com," which appeared almost immediately after top Romney aide embarrassingly said that the candidate's campaign positions in the GOP primary could be easily changed, as if they were written on an Etch-A-Sketch. Ortega said he owns dozens of other similarly sarcastic websites, all powered by the pickup they get on Twitter and Facebook. Ortega is a Democratic consultant, but swears the sites are unpaid hobby work.

Turning candidates into punch lines
There's certainly nothing wrong with being funny. Obama's Reddit chat didn't break any rules; neither did Romney's Twitter advertising. But is social media a free-for-all? Perhaps, said Brad Phillips, a media consultant who runs MrMediaTraining.com. But he's not convinced that social media has made things worse. Campaigns have always stretched the rules -- and the truth -- to get any advantage possible, he said.

"Think about the Willie Horton ads (pillorying Michael Dukakis in 1988). So many others," Phillips said. "If the Internet existed in those campaigns, would they have used online tactics? Of course." Nor would campaign managers from elections past have fretted about scheduling a virtual press conference during an opponent's convention, he said. In some ways, he's surprised there hasn't been much evidence presented yet of "dirty tricks" online, such as the whisper campaign during the 2000 primaries alleging that John McCain had an illegitimate child.

On the other hand, Twitter and Facebook have created one huge new avenue for attack, Phillips said -- the power of humor. Once upon a time, the biggest threat to a candidate could be a misstep so bad that it became fodder for late-night TV humor on Johnny Carson's "Tonight Show."

While that's still true -- an unplanned appearance on David Letterman's Top 10 List can really hurt -- Twitter and Facebook allow campaigns to create their own late night butt-of-joke moments without needing a comedy writer to see it their way. It's easy to argue that the real damage from Clint Eastwood's halting Republican Convention speech came from the hours of sarcastic Tweets and Facebook discussions that began before Eastwood even finished speaking.

"In the past, you knew a crisis had jumped the firewall when it appeared on late night TV as a joke....that meant the issue had gone beyond being just a story for political types," Phillips said. "You wonder if same dynamic is played out now online. If you can make a candidate a punch line (in social media) you've scored a hit."

Phillips also said sarcastic memes could slowly but surely wear down a candidate's chances, cumulatively building and impression that "a candidate is a joke," which would be hard to counteract.

"Is that clean (campaigning)?" he asked. "I don't know. But in future political cycles, I believe candidates will have to pay a lot more attention to this."

Clean or not, University of Virginia professor and presidential politics expert Larry Sabato has been sharply critical of both campaigns -- and political reporters -- for getting caught up in what he calls the "Gaffe Game." Hunting for the next one-liner is a poor way to evaluate presidential candidates, he says.

"When we tire of Gaffe Game, let's have a POTUS Spelling Bee. Would be about as revealing," he said recently in his own Twitter feed.

Scoring points through sarcasm is hardly new, but Sabato believes social media has indeed accelerated the gaffe obsession in this election cycle.

"Many people are on (Twitter) for hours every day. Do they make it worse? Is the pope German? They drain every gaffe of every ounce of meaning and political advantage," he said. "Every time a candidate has a blunder or tongue-twister, Twitter explodes with commentary defending and deriding the candidate."

On the other hand, there is hope, Sabato thinks. Social media seems to accelerate the news cycle, too, meaning that gaffes come and go quicker than they would in the past.

"They ? destroy the gaffe quickly -- it burns itself out on Twitter faster than it would otherwise," he said.

Campaign zingers now 140 characters?
So does social media help or hurt the election process? Naturally, it's impossible to say. But it's important to note that voters shouldn't be fooled by what might seem like more personal connections offered by candidates through Facebook "Likes," "personal" e-mails and Tweets. In Phillips' impression, candidates are far more sterilized and prepackaged than ever.

"The candidates are so carefully controlled, access to them is controlled, they are trying to prevent any kind of YouTube moment. (Candidates' moves) are planned within an inch of their lives," he lamented. It's hard to believe that only five presidents ago, reporter Sam Donaldson and President Ronald Reagan sparred during fairly spontaneous press conferences. And vice presidential candidate Geraldine Ferraro spent two hours answering reporters' questions about her tax returns.

Today's candidates usually hide behind carefully orchestrated digital personas, lobbing one-liners over the wall in an attempt to slowly move the needle on the small number of undecided voters who will swing the election.

"Candidates are giving away the ability to have a knockout fantastic answer," he said. "They are just trying to advance in inches not in yards," he said.

That raises the discouraging possibility that the key to who wins and who loses on Nov. 6 could be which candidate comes up with the best joke that fits in 140 characters or fewer.

* Follow Bob Sullivan on Facebook.
* Follow Bob Sullivan on Twitter.

?More from Red Tape Chronicles:

?

Source: http://redtape.nbcnews.com/_news/2012/10/02/14173756-sarcasm-campaigning-social-media-hones-cynical-edge-in-presidential-politics?lite

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Midterm Exam #1 information - Business Risk Management

The first midterm exam in Finance 4335 consists of 3 required problems.? Be sure to show your work as well as provide a complete answer for each problem; i.e., in addition to producing numerical results, also explain your results in plain English.

All three problems involve applications of expected utility.? I use only two types of utility functions in these problems; specifically, logarithmic (i.e., U(W) = ln W) and square root (i.e., U(W) = W^.5).??A particularly important?concept on this exam involves knowing how to ?back into? the certainty equivalent of wealth (W_CE) once you have calculated expected utility.? Hopefully this is a very familiar concept by now; once you have calculated E(U(W)), you set U(W_CE) = E(U(W)) and solve for W_CE.??Of course, once?you know W_CE, then you also know the risk premium since the risk premium?is equal to?E(W) ??W_CE.? Other important concepts to think about include the following:

1. A utility function is risk averse/risk neutral/risk loving if marginal utility decreases/stays constant/increases as wealth increases; therefore, utility functions such as U(W) = ln W and?U(W) = W^.5?are risk averse?because of diminishing marginal utility.??To see this,?note?that marginal utility in both cases is positive (which implies ?greed?); for U(W) = ln W, marginal utility is U?(W) = 1/W?> 0 and for U(W) = W^.5, marginal utility is U?(W) = .5W^-.5?> 0.? Furthermore, the rate of change in marginal utility in both cases is negative (which implies ?fear?); for U?(W) = 1/W,?U?(W) =?-1/W² < 0, and for U?(W) = .5W^-.5, U?(W) = -.25W^-1.5?< 0.
2. The Arrow-Pratt absolute risk aversion coefficients for U(W) = ln W and?U(W) = W^.5 are 1/W and .5/W respectively.? Therefore, a person with utility U(W) = W^.5 is less risk averse than a person with utility U(W) = ln W.? Furthermore, both utility functions imply decreasing absolute risk aversion, which means that as wealth increases, risk aversion associated with a specific gamble declines.

The formula sheet for the exam is available at http://fin4335.garven.com/fall2012/formulas_part1.pdf.? It will also be included as the last page of your exam booklet.

Source: http://risk.garven.com/2012/10/01/midterm-exam-1-information-2/

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The Pervasive Effect Of Low Interest Rates On Financial Planning ...

The ongoing low interest rate environment in the US has created many challenges in recent years, as the struggle to find yield and return drives planners and investors away from bonds and towards other options for higher returns, from equities to so-called "alternative" asset classes - in turn driving up those prices and reducing dividend yields and prospective future appreciation. Nonetheless, many returns on alternatives are still appealing given an alternative of near-zero interest rates on fixed income! Yet the reality is that low interest rates, as they continue to persist, are beginning to have other effects beyond just the impact to investors. Insurance companies have been forced to raise prices on some types of insurance, or leave the marketplace entirely, as the returns are simply too low to manage risk and generate a reasonable profit. Pension plans continue a slow grind of underperforming their long-term actuarial assumptions, creating a larger and larger deficit that must ultimately be resolved as well. And while many planners have been trying to focus their clients on the risks of what happens to bonds if rates rise, recent research suggests that in fact the greatest surprise of the coming decade could be that rates continue to remain low as the US economy deals with its massive public and private debt levels - which in turn means many of these low interest rate challenges could still be in the early phase!

The inspiration for today's blog post was a recent trip I took to Sydney, Australia, for a speaking engagement. While there, I observed that it's not uncommon for banks to offer 1-year CDs in the range 3.5% - 4.5% range; while this is actually a significant decline from when I was there in 2011 (when rates near 6% were not uncommon!), it is still dramatically higher than the not-even-1% rates available from most banks in the US.

Yet while the most obvious effect of low interest rates here in the US is the lower interest income received - which has been especially problematic for today's retirees - I was struck in reflecting how much else in the US financial services world has been distorted by our extended period of ultra-low interest rates.?

Investment Markets

Given low interest rates, those who rely upon investments to generate some return to achieve various financial goals are inevitably left deploying their money elsewhere in search of yield or total return. In point of fact, at the most basic level this is the purpose of low interest rate monetary policy - to drive dollars into other segments of the economy with the hopes of stimulating activity, such as driving dollars to equities to help companies raise capital for growth and expansion.

To some effect, this goal is clearly being achieved, as investors and planners alike focus on both investing more and more in "alternative" asset classes to obtain higher returns, and investing in equities despite a meager 2% dividend yield from the S&P 500. Although we have found many ways to rationalize investing in equities despite their low yields, it doesn't change the fact that the returns are modest by historical standards. Think of it this way:?how many investors would take money out of equities if they could get "merely" 4% from a 1-year bank CD, or the 6% available in Australia last year (with even higher yields for longer terms)? I suspect the answer is "a lot" to put it mildly. What keeps Australian investors in equities despite these rates? Because in Australia, you can actually buy quality "blue chip" companies with 5% - 7% cash dividends, plus earn an additional tax credit available to Australian investors who buy domestic equities, leading to a total after-tax yield?on stocks of about 6% - 9%. What a difference - US investors buy 2% yielding domestic stocks because it's better than 0.5% CDs, while Australian investors buy 6%-9% yielding domestic stocks because it's better than 4% CDs. I couldn't help but walk away thinking about how distorted our markets have become in the search for return.

Insurance Products

Unfortunately, the problems that arise from the lack of yield and return in the US is not limited to retail investors. Institutions have begun to suffer as well.

For instance, the fundamental business of insurance is to collect premiums, invest them for a period of time, and then pay out a portion of the money in claims, while earning a small profit margin along the way. Yet when interest rates are so low, insurance companies are forced to collect more in premiums to fund future benefits (since they can't bridge the gap with investment growth), and in some cases the prospective return on premiums is so low there isn't even room left for the company to retain a margin for both risk and profits; the end result is that insurers are changing or eliminating many lines of insurance.

As noted previously in this blog, the low interest rate environment has already helped to drive a number of long-term care insurance companies out of the marketplace entirely, and all of the remaining companies now charge dramatically more to offer what coverage they do. Estimates from the AALTCI suggest that every 1% decline in interest rates has driven up the cost of long-term care insurance premiums by 10%-15% over the past decade. Various policy options have been curtailed as well; it is likely that by the end of the year, lifetime benefits and limited-pay policies will no longer be available at all.

Similarly, insurers have also been reducing their offerings for no-lapse guaranteed Universal Life policies, another product whose margins for risk and profit are greatly impacted by the low interest rate environment. Although the products are not gone altogether, they are offered by far fewer carriers, and have significantly higher premium requirements when coverage is still available.

Pension Plans

Another area where low interest rates have created new challenges is in the world of pension plans. Because the fundamental framework of pension plans requires the plan sponsor to make contributions to the plan to fill any shortfalls, the ongoing low interest rate and low return environment is making it almost impossible for pensions to earn the returns they need. After all, with a long-term return assumption of "merely" 7%, when the 10-year Treasury barely earns 1.5%, equities would need to return 12.5%/year for the next decade (which at a 2% dividend yield requires over 10%/year in appreciation alone!)! To say the least, these returns seem somewhat unlikely and unsustainable; if/when/as they fail to manifest,?businesses are forced to allocate a portion of their cash flows to retirement plan contributions instead of other business uses.

As a result, many large companies have been seeking to terminate their pension plans entirely, and convert to alternative retirement plan options that do not put such cash flow pressures on the business, and/or that entirely shift the responsibility of shortfalls to workers (who can choose to contribute more or work longer on their own). In addition, several legislative changes in recent years have also tried to relieve the funding pressures on businesses to contribute to their pension plans - although unfortunately, if the low returns persist, the shortfalls will just increase until a final reckoning occurs.

In the case of small businesses, the low return environment is actually a double-edged sword. On the one hand, persistent low returns means small business need to be warned that estimated contributions (based on standard actuarial assumptions) may in reality underestimate what required contributions will really be as the low return environment plays out. On the other hand, for small business owners with a lot of excess cash flow, this may actually be good news - it means they can contribute even more to their pension plans on a tax-deductible basis, although they won't necessarily know exactly how much the contribution will be until the returns do (or rather, don't) occur.

But the bottom line is that unfortunately, one of the indirect unintended consequences of persistent low interest rates is that businesses with pension plans may need to take advantage of low rates by borrowing, just to fund their pension plan shortfalls that occur as a result of the same low interest rates!

Is The End In Sight?

Low rates rates will not persist forever, and at some point will normalize. Nonetheless, it's not necessarily clear how soon the adjustment will happen. While many financial planners have preached the rising risks of rising interest rates for many years, the fact remains that since the financial crisis and the dramatic monetary interventions that occurred, rates have only gone lower, not higher. Recent research by Reinhart, Reinhart, and Rogoff on debt overhangs suggests that the problems could in fact extend far longer; the average duration of debt overhangs is approximately 23 years, and in roughly half of those scenarios real interest rates persisted at below-average levels throughout most/all of the episode.?

Thus, while on the one hand planners must prepare clients for the risks and opportunities of rising interest rates in the future, it's also worth noting that some of the problematic effects discussed here could actually continue to play out in the form of low interest rates for a remarkably (and unexpectedly?) long time to come!

So what do you think? How have low interest rates impacted your clients and your planning? Are you seeing other areas of planning impacted by low interest rates, besides investment attitudes, insurance products, and pension plans? Are you planning for higher interest rates? Have you done any planning for the risk of persistently low interest rates? What would your clients be doing differently right now if interest rates were at more "normal" levels?

Source: http://www.kitces.com/blog/archives/401-The-Pervasive-Effect-Of-Low-Interest-Rates-On-Financial-Planning.html

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Top 10 most influential popular science books

Darwin, Hawking, Dawkins? New Scientist readers voted for the 10 popular science books that helped changed the world

HALF a century ago, biologist Rachel Carson sent shock waves through US society. By the time her book Silent Spring hit the shelves on 27 September 1962, it had already sparked fierce debate. In the weeks before publication, President John F. Kennedy had to field questions about the widespread use of pesticides, an issue he noted had become a central scientific concern - thanks to "Miss Carson's book".

As well as bringing scientific ideas to a broader audience, piquing fascination and providing entertainment, popular science writing helps further scientific and social discussion. Carson's book divided opinion, and drove a public conversation that shaped policy and paved the way for the environmental movement.

There is a wealth of books with similarly powerful legacies - not written for academic circles, but for anyone curious enough to crack the spine. With the help of eminent scientists and writers we made a shortlist of 25 such popular science books. With close to 4000 votes cast, you helped us whittle it down to the top 10 that helped changed the world.

Most influential, according to New Scientist readers, is Charles Darwin's On the Origin of Species. It marked the foundation of evolutionary biology, but it wasn't just for scientists. From old ladies to philosophers, in the words of Thomas Henry Huxley at the time, "everybody has read Mr Darwin's book".

1

On the Origin of Species by Charles Darwin (1859)
Penguin Classics
?9.99/$13
Darwin's hugely influential book, which introduced what Richard Dawkins dubbed "arguably the most important idea ever", was selected by more than 90 per cent of voters.

2

A Brief History of Time by Stephen Hawking (1988)
Bantam
?8.99/$18
Perhaps the world's best known book on cosmology - by its best known physicist - this modern classic tackles the big questions of the universe.

3

The Selfish Gene by Richard Dawkins (1976)
Oxford University Press
?8.99/$19.95
Taking evolutionary theory to a new level, Dawkins argued that individual organisms are "survival machines" for the genes that they carry. The book also introduced a now familiar cultural idea: the meme.

4

The Double Helix by James Watson (1968)
Orion
?8.99
An account of the discovery of DNA's double helix by one of the Nobel winners behind the breakthrough.

5

Silent Spring by Rachel Carson (1962)
Penguin Classics/Houghton Mifflin
?9.99/$14.95
Fifty years on, Carson's expos? of the impact of chemical pesticides continues to have a profound impact.

6

The Naked Ape by Desmond Morris (1967)
Vintage
?7.99
One of the first books to portray humans as the animals that we are, The Naked Ape caused quite a stir when it was first released.

7

Chaos by James Gleick (1987)
Vintage
?10.99
This finalist for the Pulitzer prize was the first popular science book to tackle the emerging field of chaos theory, and helped kick-start the subject across many fields.

8

Gaia by James Lovelock (1979)
Oxford University Press
?8.99/$19.99
Lovelock's book introduced the Gaia hypothesis - that everything on and of the Earth is an interconnected, evolving and self-regulating system.

9

An Essay on the Principle of Population by Thomas Malthus (1798)
Oxford University Press
?8.99/$14.95
This highly controversial work examined the possibility of humans outstripping natural resources.

10

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The work celebrates human ingenuity, from the early use of tools to breakthroughs in modern science.

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Fandango Taps Former Disney Exec Paul Yanover As President ...

LOS ANGELES ? October 1, 2012 ? Fandango, the nation?s leading moviegoer destination, has appointed former Disney digital executive Paul Yanover to the newly created position of President. He will report to Nick Lehman, President of Digital for NBCUniversal Entertainment Networks & Integrated Media.

Yanover will lead the company?s overall business strategy, taking Fandango to the next level of success as a multi-platform entertainment brand. Specifically, he will focus on significantly growing its original content offerings across mobile, TV and the Web, as well as expanding strategic partnerships with the movie studios, driving social engagement and building on Fandango?s strong e-commerce foundation. Yanover also will be charged with enhancing all aspects of the overall Fandango moviegoing experience, as the company continues to innovate with new products that shape the future of the industry.

?Paul is the ideal leader to build on the incredible momentum of this business, as Fandango broadens its offerings for consumers, advertisers as well as exhibitors ? and maximizes the unique benefits of being a part of NBCUniversal,? said Lehman. ?His wealth of experience at the intersection of entertainment and technology will help Fandango continue to redefine the way we think about the movies.?

Rick Butler, Fandango?s Executive Vice President and General Manager, will report to Yanover and continue to run the company?s day-to-day operations, including managing relationships with exhibitors and other key partners. Butler and the Fandango team recently achieved the company?s best summer season in its 12-year history, in terms of ticket sales and traffic, now reaching 41 million monthly unique visitors.

?Fandango stands as one of the most exciting and innovative players in the digital entertainment space,? said Yanover. ?I look forward to working with Fandango?s impressive team. They have clearly built an enormously successful company, and I am excited to take the business to new heights.?

A seasoned entertainment, ecommerce and technology veteran, Yanover brings more than two decades of experience to his new post. Yanover served as executive vice-president and managing director of Disney Online, the entertainment and lifestyle digital product group of the Disney Interactive Media Group. He grew traffic across the digital brands to peak at 36M unique visitors ? a 50% increase ?and more than tripled ad revenue. In this role, he oversaw all Disney-branded strategic, creative, technical, and marketing initiatives on the Internet and mobile web, from Disney.com to Disney?s suite of premium digital products including online games, virtual worlds and streaming service Disney Movies Online.

Yanover also led development of Disney?s network of family-targeted sites including Family.com, FamilyFun.com, Kaboose.com, and Babyzone.com and drove unprecedented engagement with consumers and advertisers across multiple platforms, including video streams and mobile content delivery. Prior, Yanover served as senior vice-president of Disney Parks & Resorts Online, overseeing the ecommerce business across Disney?s resorts and theme parks worldwide, leading to more than a 300% increase in overall online revenue during his tenure. Yanover began his career with Disney at Walt Disney Feature Animation, ultimately becoming vice president of technology and digital production for the division.

Yanover was also co-founder and CEO of Ceiva Logic, a consumer electronics company featuring the world?s first Internet-connected digital picture frame and digital picture-sharing network. Yanover led the company in raising more than $24 million in capital and helped push annual sales to exceed $10 million. He also achieved impressive penetration of the company?s product into major national retailers including Amazon.com and Circuit City.

Most recently, he was the head of Lookout Interactive Media, a consulting practice in the digital media, entertainment and technology space serving both established media companies and early-stage startups. He also served as interim-CEO and executive chairman of Examiner.com, where he remains a member of the board. Examiner.com is a top 100 website in the US, operating as a part of the Clarity Media Group.

Yanover received his Master?s Degree in Computer Science from USC and holds an Honors Bachelors of Science Degree in Computer Science & Economics from the University of Western Ontario. He lives in Los Angeles with his wife and two children.

Source: http://www.deadline.com/2012/10/fandango-president-paul-yanover-hired/

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ComplexMag: File sharing is coming to Facebook thanks to Dropbox. http://t.co/djrd5Oxo

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