Questions to Consider Before Choosing to Have Cosmetic Surgery

Women, and an increasing number of men, are considering the cosmetic surgery route as the way to fix their problems. They may feel at a disadvantage because of how they look, or that some aspect of their physical appearance is an impediment to their success. It may seem the best solution, to replace what they see as the cause of their problems with something more attractive. But is the problem really on the outside, or is something inside in need of attention?

Let?s look at some of the questions that are important to answer prior to choosing to have cosmetic surgery:

- Will cosmetic surgery fix my marriage?
Some women feel that part of the job description in being a good wife is to look young, slim, attractive. They may be only too aware that other women, women their husband regularly comes into contact with, are only too eager to fill their shoes. Whilst it is important to take care of ones body, appearance and make an effort in a relationship, looks are simply one aspect of a successful, long-term relationship. Open and honest communications, interesting conversations, shared fun and laughter, being supportive, knowing each other well are all far more compelling reasons for a couple to choose to stay together. Work on feeling more confident, ensure that you lead a satisfying, fulfilling life and those other areas of concern often become resolved.

- Will cosmetic surgery get me a job?
There is often a sense that when we reach a certain age we become unemployable, and indeed companies often require young, dynamic staff on board. For a start they may cost less to employ and are easier to mould to the company?s requirements. However, an increasing number of companies are appreciating the valuable contribution that older, more experienced staff can bring into their business. Having a mix of old and new ideas brings a balance between stability and innovation, experience and young energy and adds a valuable combination into the team. Looking smart, capable and enthusiastic is often the most positive way of obtaining a new work position.

- Will cosmetic surgery make me popular?

Some groups appear to have their own particular look; they style their hair, dress, socialize all in the same way. To an outsider wanting to fit in and become part of the ?popular? group it can feel almost obligatory to affect the uniform image. But do you really want to look, dress and act the same as everyone else? Why not consider what interests and appeals to you and determine to find ways to introduce a more suitable, independent outlook into your life. That way you can improve your confidence through a variety of different outlets, without having to conform to a particular type.

- Will cosmetic surgery make me a happier person?
If everything in your life is fine, you?re feeling happy, settled and fairly satisfied with everything, except for that one thing (your nose, ears, the size of your breasts or the excess skin since you lost weight), then cosmetic surgery can really add value to your life. It can be the icing on the cake that you wish you?d done sooner. But if cosmetic surgery is seen as the solution to all your problems, the ?once this is done then everything will be fine?, the truth is you may be disappointed. With this in mind, many reputable cosmetic surgeons insist on counselling before surgery. They want to ensure that a patient is feeling good about themselves and has no serious underlying issues about self-esteem and confidence that they?re hoping the surgery will fix.

Don?t forget, cosmetic surgery is a major hospital procedure; doctors consider it to be major invasive surgery. Just because the word ?cosmetic? is included it can be easy to trivialize the fact that it is an important medical procedure, with all that it entails.

Susan Leigh is a Counsellor and Hypnotherapist who works with stressed individuals to promote confidence and self belief, with couples in crisis to improve communications and understanding and with business clients to support the health and motivation levels of individuals and teams.

Further help, advice and articles are available on this and other related subjects.

For more information see http://www.lifestyletherapy.net/

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Sex change bars Canadian wannabe beauty queen

In this image provided by Miss International Queen via YouTube, Jenna Talackova, of Vancouver, British Columbia, speaks during a video interview at the 2010 Miss International Queen Competition in Thailand. The transgendered blond that was kicked out of the Miss Universe Canada pageant is urging her supporters to sign an online petition calling for her reinstatement. (AP Photo/Miss International Queen via YouTube, via The Canadian Press) ONE TIME USE ONLY; NO ARCHIVES; NO SALES

In this image provided by Miss International Queen via YouTube, Jenna Talackova, of Vancouver, British Columbia, speaks during a video interview at the 2010 Miss International Queen Competition in Thailand. The transgendered blond that was kicked out of the Miss Universe Canada pageant is urging her supporters to sign an online petition calling for her reinstatement. (AP Photo/Miss International Queen via YouTube, via The Canadian Press) ONE TIME USE ONLY; NO ARCHIVES; NO SALES

VANCOUVER, British Columbia (AP) ? Beach shots depict her as every inch a curvaceous beauty queen.

But 23-year-old Jenna Talackova was born male, and that led the Miss Universe Canada organizers to disqualify her last week as a finalist in the 61st Miss Universe Canada pageant taking place in May.

The rules of the contest run by the Donald Trump organization say entrants must be "naturally born" females.

The Vancouver woman underwent a sex change four years ago.

"She did not meet the requirements to compete despite having stated otherwise on her entry form," said a statement from Miss Universe Canada. "We do, however, respect her goals, determination and wish her the best."

The pageant's New York-based parent backed the decision.

"After review, organizers discovered that Jenna Talackova falsified her application and did not meet the necessary requirements to compete in the 2012 Miss Universe Canada pageant," a statement said.

The disqualification has won Talackova widespread sympathy and raised the question of whether the pageant has the right to decide who is female.

Talackova is obtaining legal counsel and is expected to make a statement next week, said her spokesman, Rory Richards.

Her change of gender was hardly a secret before the event because she had competed in the 2010 Tiffany Miss International Queen Competition for transgendered and transsexual women in Pattaya, Thailand. In a video interview for that pageant, she said she had lived her life as a female since age 4, began hormone therapy at 14 and changed sex at 19.

"I regard myself as a woman with a history," she said.

Connie McNaughton, Miss World Canada in 1984 and first runner-up for the world crown, called the decision outdated and discriminatory.

Some countries have their candidates undergo cosmetic surgery, she said, so what's wrong with sex-change surgery "because in your heart and soul you believe yourself to be a woman?"

A Vancouver transgendered activist, Jamie Lee Hamilton, said Talackova could sue for violation of her human rights.

"She was born with male genitalia and is being treated as a second-class citizen," Hamilton said. "Under the eyes of the law and the medical profession, she's a legal female."

Prof. Patrizia Gentile of Ottawa's Carleton University, who did a dissertation on beauty pageants, equated the ban with the exclusion of blacks and Jews from pageants in earlier times. "We're seeing more and more transgendered women wanting to be beauty contestants," she said. "The rule is incongruent with the culture."

Besides, she said, "Your genitalia have nothing to do with how you perform femininity."

Prof. Kathleen Lahey, a gender issues expert at Queen's University in Kingston, Ontario, said the organizers are looking at the issue wrongly; "If the organizers were being honest, they would recognize that this particular competitor was perhaps one of their most brilliant competitors ever ? to make it into the finals having performed the female gender so very well."

Spencer Chandra Herbert is among members of the British Columbia provincial legislature who are pushing legislation to guarantee equal rights in the area of gender identity. He said Talackova's exclusion shows how misunderstood the subject is.

"She may have had male bits when she was born but she's a female," he said. "I think Donald Trump and his Miss Universe contest need to get into the current century and get in line with the current science and respect that."

Trump's office said he was not commenting on the matter.

From the conservative side of Canadian society, Gwen Landolt, national vice president of REAL Women of Canada, said the pageant was simply being realistic in barring Talackova.

"Even though she had surgery and hormones, her DNA is still that of a man, his reproductive system is still that of a man," Landolt said.

"To consider yourself Miss Universe is to actually ask for more pain, suffering and rejection," Landolt said. "I'm sorry this person has put himself (or) herself though this."

Associated Press

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Feds, 5 states to push for Great Lakes wind farms

TRAVERSE CITY, Mich. (AP) ? The Obama administration and five states have reached an agreement to speed up approval of offshore wind farms in the Great Lakes, which have been delayed by cost concerns and public opposition.

Under the deal, which administration officials disclosed to The Associated Press ahead of an announcement scheduled for Friday, state and federal agencies will craft a blueprint for speeding regulatory review of proposed wind farms without sacrificing environmental and safety standards. The Great Lakes have no offshore wind turbines, although a Cleveland partnership announced plans last year for a demonstration project that would place five to seven turbines in Lake Erie about 7 miles north of the city, generating 20-30 megawatts of electricity.

Offshore wind projects have been proposed elsewhere in the region, including Michigan and New York, stirring fierce debate.

Critics say they would ruin spectacular vistas, lower shoreline property values and harm birds and fish. New York Power Authority trustees last September abandoned a plan for private companies to place up to 200 turbines, each about 450 feet high, in Lakes Erie and Ontario. The Canadian province of Ontario in February 2011 ordered a moratorium on wind energy development in its Great Lakes waters to allow more study of environmental issues.

Supporters describe the lakes' winds as a vast, untapped source of clean energy and economic growth.

"This agreement among federal agencies and Great Lakes states is a smart, practical way to encourage the development of homegrown energy that will create jobs, power homes and reduce pollution in American communities," said Nancy Sutley, chairwoman of the White House Council on Environmental Quality.

Administration officials said the region's offshore winds could generate more than 700 gigawatts ? one-fifth of all potential wind energy nationwide. Each gigawatt of offshore wind could power 300,000 homes while reducing demand for electricity from coal, which emits greenhouse gases and other pollutants, according to the National Renewable Energy Laboratory in Golden, Colo.

Public resistance and logistical problems would pose formidable obstacles to approaching those levels. Yet harnessing only a small portion of the Great Lakes' offshore wind could generate thousands of jobs, officials said.

Illinois, Michigan, Minnesota, New York and Pennsylvania signed the agreement. The other three states with Great Lakes coastlines ? Indiana, Ohio and Wisconsin ? declined invitations but could join the partnership later, an administration official said.

The agreement is modeled after another between the federal government and Eastern states designed to support wind energy production in the Atlantic and encourage investment in new offshore wind technology.

"This agreement will enable states to work together to ensure that any proposed offshore wind projects are reviewed in a consistent manner, and that the various state and federal agencies involved collaborate and coordinate their reviews," Pennsylvania Gov. Tom Corbett said.

Illinois Gov. Pat Quinn said developing offshore wind energy would "promote economic development and create jobs, while reducing our dependence on foreign energy sources."

Among 10 federal agencies taking part are the Pentagon, the Department of Energy, the Environmental Protection Agency, NOAA and the U.S. Fish and Wildlife Service.

Developers would need state and federal approval to establish offshore wind farms. State governments own the Great Lakes bottomlands within U.S. territory, while a permit from the U.S. Army Corps of Engineers would be required to erect the turbines and all 10 federal agencies would review the plans.

Associated Press

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Robo-readers: the new teachers' helper in the U.S

(Reuters) - American high school students are terrible writers, and one education reform group thinks it has an answer: robots.

Or, more accurately, robo-readers - computers programmed to scan student essays and spit out a grade.

The theory is that teachers would assign more writing if they didn't have to read it. And the more writing students do, the better at it they'll become - even if the primary audience for their prose is a string of algorithms.

That sounds logical to Mark Shermis, dean of the College of Education at the University of Akron. He's helping to supervise a contest, set up by the William and Flora Hewlett Foundation, that promises $100,000 in prize money to programmers who write the best automated grading software.

"If you're a high school teacher and you give a writing assignment, you're walking home with 150 essays," Shermis said. "You're going to need some help."

But help from a robo-reader?

"Wow," said Thomas Jehn, director of the Harvard College Writing Program. He paused a moment.

"It's horrifying," he said at last.

Automated essay grading was first proposed in the 1960s, but computers back then were not up to the task. In the late 1990s, as technology improved, several textbook and testing companies jumped into the field.

Today, computers are used to grade essays on South Dakota's student writing assessments and a handful of other high-stakes exams, including the TOEFL test of English fluency, taken by foreign students.

But machines do not grade essays on either the SAT or the ACT, the two primary college entrance exams. And American teachers by and large have been reluctant to turn their students' homework assignments over to robo-graders.

The Hewlett contest aims to change that by demonstrating that computers can grade as perceptively as English teachers - only much more quickly and without all that depressing red ink.

Automated essay scoring is "nonjudgmental," Shermis said. "And it can be done 24/7. If students finish an essay at 10 p.m., they get feedback at 10:01."

Take, for instance, the Intelligent Essay Assessor, a web-based tool marketed by Pearson Education, Inc. Within seconds, it can analyze an essay for spelling, grammar, organization and other traits and prompt students to make revisions. The program scans for key words and analyzes semantic patterns, and Pearson boasts it "can 'understand' the meaning of text much the same as a human reader."

Jehn, the Harvard writing instructor, isn't so sure.

He argues that the best way to teach good writing is to help students wrestle with ideas; misspellings and syntax errors in early drafts should be ignored in favor of talking through the thesis. "Try to find the idea that's percolating," he said. "Then start looking for whether the commas are in the right place." No computer, he said, can do that.

What's more, Jehn said he worries that students will give up striving to craft a beautiful metaphor or insightful analogy if they know their essays will not be read, but scanned for a split second by a computer program.

"I like to know I'm writing for a real flesh-and-blood reader who is excited by the words on the page," Jehn said. "I'm sure children feel the same way."

Even supporters of robo-grading acknowledge its limitations.

A prankster could outwit many scoring programs by jumbling key phrases in a nonsensical order. An essay about Christopher Columbus might ramble on about Queen Isabella sailing with 1492 soldiers to the Island of Ferdinand -- and still be rated as solidly on topic, Shermis said.

Computers also have a hard time dealing with experimental prose. They favor conformity over creativity.

"They hate poetry," said David Williamson, senior research director at the nonprofit Educational Testing Service, which received a patent in late 2010 for an Automatic Essay Scoring System.

But Williamson argues that automated graders aren't meant to identify the next James Joyce. They don't judge artistic merit; they measure how effectively a writer communicates basic ideas. That's a skill many U.S. students lack. Just one in four high-school seniors was rated proficient on the most recent national writing assessment.

The Hewlett Foundation kicked off its robo-grading contest by testing several programs already on the market. Results won't be released for several weeks, but Hewlett officials said they did very well.

Hewlett then challenged amateurs to come up with their own algorithms.

The contest, hosted on the data science website Kaggle.com, has drawn hundreds of competitors from all walks of life. They have until April 30 to write programs that will judge essays studded with awkward phrases such as, "I slouch my bag on to my shoulder" or "When I got my stitches some parts hurted."

The goal is to get the computer to give each essay the same score a human grader would.

Martin O'Leary, a glacier scientist at the University of Michigan, has been working on the contest for weeks.

Poring over thousands of sample essays, he discovered that human graders generally don't give students extra points for using sophisticated vocabulary. So he scrapped plans to have his computer scan the essays for rare words.

Instead, he has his robo-grader count punctuation marks. "The number of commas is a very strong predictor of score," O'Leary said. "It's kind of weird. But the more, the better."

As he digs into the data, O'Leary has run into a dismaying truth: The human graders he's trying to match are inconsistent. They disagree with one another on the merits of a given essay. They award scores that seem random. Indeed, studies have shown that human readers are influenced by factors that should be irrelevant, such as how neatly a student writes.

"The reality is, humans are not very good at doing this," said Steve Graham, a Vanderbilt University professor who has researched essay grading techniques. "It's inevitable," he said, that robo-graders will soon take over.

O'Leary won't mind when that day comes. He tests his program against student prose that has already been graded by a teacher. When the scores diverge, O'Leary reads the essay to find out why.

"More often than not," he said, "I agree with the computer."

(Editing by Jonathan Weber and)

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PSA: TurboTax on Android is free through Sunday if you start your taxes before then

If you've ever filed your taxes on an iPad, you know Intuit's TurboTax app is free to download, but that you'll have to pay up once you're ready to submit those returns. But, in an effort to promote its newish apps for Android tablets and the Kindle Fire, the company's giving the entire number-crunching cow away for free -- at least through this weekend. Just download between tomorrow (Friday) and Sunday and make sure you start your taxes before Monday (it's okay if you finish them later). To be clear, this includes both federal and state-level taxes, which you'd normally pay for separately for $29.99 and up. Another quid pro quo: this won't work on handsets, even though the Kindle runs a customized version of Android 2.3. If you own a tablet it should run smoothly on Honeycomb and Ice Cream Sandwich, though. In any case, to those of you who've been putting off your taxes, happy downloading, procrastinators.

Edgar Alvarez contributed to this report.

PSA: TurboTax on Android is free through Sunday if you start your taxes before then originally appeared on Engadget on Thu, 29 Mar 2012 21:48:00 EDT. Please see our terms for use of feeds.

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Guest Blog from Nancy Lewellen ? Make Your Image Business ...

Have you ever thought about incorporating your business, but didn?t know if you should?? Have you wondered who to talk to and find out what the pros and cons are of doing so?? Here are some common reasons my business clients give to me as to why they want to incorporate or set up an LLC.

NANCY LEWELLEN?S TOP TEN REASONS TO FORM A BUSINESS ENTITY

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1. TAX ISSUES- Corporations, LLPs and LLCs have different tax advantages than sole proprietorships.

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1. PERSONAL LIABILITY ISSUES-A corporation, LLP, or LLC may shield your personal assets if sued.

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1. HEALTH CARE OPTIONS- Corporations, LLCs or LLPs can enjoy the benefits of guaranteed-issue group health insurance with 2 or more employees.

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1. RETIREMENT/PENSION PLAN OPTIONS- These options are greater for various types of business entities than for sole proprietors.

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1. YOU CAN APPEAR BIGGER THAN YOU ARE- Incorporating makes you appear bigger to the outside world.? Some businesses will only contract with either corporations, LLPs, or LLCs.

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1. GIVES A FORMAL LEGAL STRUCTURE TO MULTI-PARTY ORGANIZATIONS.?? With a corporation, LLC or LLP you must submit articles that define the organization and have an operating agreement, LP agreement or bylaws that govern how the company will run.

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1. EASE OF RAISING CAPITAL.? A corporation, LLC or LLP can simply sell stock, membership shares or partnership shares to raise money. These shareholders or members are not necessarily going to have any say in the company?s day to day affairs, but split the profits and/or dividends on a predetermined basis.

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1. PERPETUAL LIFE.? With a corporation, LLC or LLP, you can have the company continue to stay in business after the original owner dies, becomes incapacitated or sells his/her share.

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1. LEGAL REQUIREMENTS- Your profession may determine what type of entity you can have.? In California attorneys cannot be LLCs, but must be a sole proprietor, a Professional Corporation, or an LLP; doctors must be a Medical Corporation or sole proprietor.

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1. ABILITY TO BUY/EXPENSE OR DEPRECIATE ASSETS. If you use the car predominantly for business, your corporation can buy the car, and can depreciate it over time, saving you tax dollars.

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If you have further questions, I give a complimentary 15 minute session in person or on the phone.

?

Nancy Lewellen, Attorney and Real Estate Broker, helps individuals and small businesses set up and maintain business entities, drafts, negotiates, and reviews contracts and leases, and advises on landlord/tenant and other real estate issues.

Source: http://imagebusinesscoach.com/blog/2012/03/guest-blog-from-nancy-lewellen/

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Record Mega Millions numbers: 2-4-23-38-46, MB 23

A customer smiles after receiving a free Mega Millions Lottery ticket from the Hoosier Lottery's Mega Millions mascot at a store in Zionsville, Ind., Friday, March 30, 2012. The Mega Millions Lottery jackpot has reached a record $540 million.(AP Photo/Michael Conroy)

A customer smiles after receiving a free Mega Millions Lottery ticket from the Hoosier Lottery's Mega Millions mascot at a store in Zionsville, Ind., Friday, March 30, 2012. The Mega Millions Lottery jackpot has reached a record $540 million.(AP Photo/Michael Conroy)

Mega Millions Lottery tickets that were given away to the first 540 people are displayed by the Hoosier Lottery's Mega Millions mascot at a store in Zionsville, Ind., Friday, March 30, 2012. The Mega Millions Lottery jackpot has reached a record $540 million.(AP Photo/Michael Conroy)

Thousands of people wait in line to buy tickets for the Mega Millions Lottery jackpot at the Primm Valley Casino Resorts Lotto store in California near Primm, Nev. Thursday, March 29, 2012. The Mega Millions Lottery jackpot has reached a record $540 million. (AP Photo/Las Vegas Review-Journal, John Locher) LAS VEGAS SUN OUT; MAGS OUT

A Mega Millions lottery contestant buys his ticket for Friday's $500-million game at a corner newsstand in New York, Thursday, March 29, 2012. Forget setting up a charity or establishing a trust, the winner of the $500 million Mega Millions jackpot could save teachers' jobs or help pay for Medicaid-funded doctor appointments in their home state just by paying taxes. (AP Photo/Richard Drew)

CHICAGO (AP) ? Across the country, Americans plunked down an estimated $1.5 billion on the longest of long shots: an infinitesimally small chance to win what could end up being the single biggest lottery payout the world has ever seen.

The numbers drawn Friday night in Atlanta were 2-4-23-38-46, Mega Ball 23. Lottery officials expected to release details about possible winners a couple of hours after the 11 p.m. Eastern drawing.

Forget about how the $640 million Mega Millions jackpot could change the life of the winner. It's a collective wager that could fund a presidential campaign several times over, make a dent in struggling state budgets or take away the gas worries and grocery bills for thousands of middle-class citizens.

And it's a cheap investment for the chance of a big reward, no matter how long the odds ? 1 in 176 million.

"Twenty to thirty dollars won't hurt," said Elvira Bakken of Las Vegas. "I think it just gives us a chance of maybe winning our dream."

So what exactly would happen if the country spent that $1.5 billion on something other than a distant dream?

For starters, it could cure the everyday worries of hundreds of thousands of American families hit by the Great Recession. It costs an average of $6,129 to feed the typical family for a year ? meaning the cash spent on tickets could fill up the plates of 238,000 households.

As gas prices climb faster than stations can change the numbers on the signs, the money spent on tickets could fill the tanks of 685,000 households annually.

Or it could play politics. So far in this campaign, Republicans and President Barack Obama have spent $348.5 million. The amount spent on Mega Millions tickets could cover that tab four times over.

Could the money dig governments out of debt? That's a problem that even staggering ticket sales can't solve. It could trim this year's expected $1.3 trillion federal deficit by just over a tenth of 1 percent. In Illinois, the money would disappear just as fast into that state's $8 billion deficit.

On a personal level, that much money staggers. Giving $1.46 billion to a broker could purchase 2.4 million shares of Apple stock. (It would also be enough to buy about 2.4 million iPads at the starting price of $499. That's almost as many as the 3 million new iPads that Apple has already sold.)

Or consider the whimsical: A family of up to 12 could live for more than a century at Musha Cay, magician David Copperfield's $37,000-a-night private island resort in the Exuma Cays of the Caribbean.

For a more celestial vacation, the nearly $1.5 billion wagered could purchase about 7,300 tourist tickets for a ride into space aboard Virgin Galactic's SpaceShipTwo. And it would pay for 26 rides for U.S. astronauts to the International Space Station aboard the Russian Soyuz spacecraft.

It would even buy a stake in pop culture. Want to influence the next winner of American Idol? If it costs a quarter to text in a vote to Ryan Seacrest, and it takes 122 million votes to win as it did last season, the money could control the outcome of the next 47 seasons.

For the states that participate, the money spent on lotto tickets is hardly a waste. It doesn't all end up as the winner's personal fortune ? much of it is used by states to fund education and other social service programs, which is why advocates promote the lottery.

Though the specifics vary among the 42 participating states and the District of Columbia, only about half of ticket sales go into the actual jackpot. Another 35 percent goes to support government services and programs, while the rest funds lottery operating costs.

On Friday, the lottery estimated that total ticket sales for this jackpot, which has been building up since Jan. 28, will be about $1.46 billion, said Kelly Cripe, a spokeswoman for the Texas Lottery Commission.

You're about 20,000 times more likely to die in a car crash than win the lottery, but that doesn't matter to most people.

"Part of it is hope. ... The average person basically has no chance of making it really big, and buying a lottery ticket is a way of raising the ceiling on what could possibly happen to you, however unlikely it may be," said George Loewenstein, a professor of economics and psychology at Carnegie Mellon University who has studied how rich and poor consumers make a choice to buy lottery tickets.

The odds are much better that someone will begin their weekend a winner. Aaron Abrams, a mathematician at Emory University, said he calculated that there was only a 6 percent chance that no one would hold the winning numbers.

"Every time the jackpot gets higher, more and more people buy tickets, which makes it more and more likely that someone will win," Abrams said. "So the chance that it rolls over this many times in a row is very small. It's quite a rare event."

The estimated jackpot dwarfs the previous $390 million record, which was split in 2007 by two winners who bought tickets in Georgia and New Jersey.

The rarity of Friday's jackpot was fueling the fervor. Lines formed at grocery stores, gas stations, liquor stops and other venues across the country.

In Arizona, a caf? worker reported selling $2,600 worth of tickets to one buyer. In Indiana, hundreds lined up for a giveaway of free tickets. Hundreds from Utah and Las Vegas streamed in to neighboring California or Arizona to buy tickets because their states don't participate.

Accountant Ray Lousteau, who bought 55 Mega Millions tickets Friday in New Orleans, knows buying that many tickets doesn't mathematically increase his odds, and that his $55 could have gone elsewhere. He spent it anyway.

"Mathematically, it doesn't make a difference, and intellectually we know that. But for some reason buying more tickets makes you feel more lucky," Lousteau said. "Even people who know better are apt to feel that way."

In Chicago, Peter Muiznieks bought a ticket at a liquor store. He knows his chance of winning is a long shot, and that the money the country is spending on tickets could go elsewhere. He still couldn't help himself, and laughed as the apparent contradiction of his opinion and his actions.

"Lottery and games of chance are a stupidity tax and the more we all buy into this, the less rational we are as a society," he said.

____

Wiseman reported from Washington. Contributing to this report were Associated Press journalists Robert Ray, Anna Johnson, Chris Wills and David Scott in Chicago; Margery Beck in Omaha, Neb.; Will Weissert in Austin, Texas; Stacey Plaisance in New Orleans; Oskar Garcia in Las Vegas; and Jack Gillum in Washington, D.C.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/386c25518f464186bf7a2ac026580ce7/Article_2012-03-30-Mega%20Millions/id-b4de9141a9cb4467bce2aed3da0b4398

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The Best Tips Available For Personal Finance - Finance Article Tips

Taking care of your finances can be difficult and stressful. One way to make it a little easier is to be educated about financial matters. This article will give you some great tips on how to better manage your money.

Although it can be a great deal, loading up on sale items at the store can be wasteful of both food and money if you go overboard and buy too much. The secret to stocking up is to buy things that you use regularly and use it before it expires. Purchase realistic quantities to make the most of the bargain prices.

Follow your credit rating. You have the option to receive a free copy of your credit report, and many ways to keep tabs on it throughout the year for free. You should check it at least two times a year to make sure that nothing unauthorized has gotten onto your report and that there are no signs of identity theft.

Set up an automatic debit from your bank account to your credit card account to avoid missed payments. You won?t have to worry anymore about forgetting your payment.

When trading in the Forex market it is important to watch the trends. You must stay up with the current trends. That way you will be able to make the right buying and selling choices. Avoid selling on down and upswings. You must be very clear in your goals when you do not ride a trend out completely.

Do everything you can to keep a good credit score. A good credit score is crucial to getting lower interest rates on credit cards and mortgages. Bad credit will have a negative impact on your chances for renting property and getting utility services. Using your credit cards wisely will help your credit rating stay in good shape.

Be suspicious of a credit repair company that guarantees that they will be 100% successful in restoring your perfect credit. A lot of agencies will make general claims about their capability in repairing your history. This is not at all accurate since what is affecting your credit is not the same as another individual with credit issues. Do not believe anyone who advertises miracles.

If you travel by air frequently, it might pay for you to sign up for one of the frequent flier programs. Frequent flier miles are a popular form of one of the many rewards that credit card companies provide. Many frequent flier programs allow you to redeem miles for reduced rate motel stays.

Nobody desires to go through losing their own home. What you should do is look at a home with more affordable payments, this can help make your financial situation better. The worst thing that could happen is getting evicted because your can?t make your home repayments. It?s best to be proactive about it.

As mentioned above, facing the reality of your finances can be a stressful thing to do. Getting your personal finances under control will also help you to control money-related stress. With the information in the above article, you will be able to better control your personal finances and reduce your stress levels.

About the Author:

The Retirement Group educates corporate employees that are transitioning or retiring with Netbenefits.

Source: http://financearticletips.info/the-best-tips-available-for-personal-finance/

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Learning more about budgeting. | ZIVIS BUSINESS AND FINANCE ...

How can you decide how much you have for bills and expenses when your paycheck varies from one payday to the next? That?s a question a lot of people struggle with.

A few of the occupations that I can think of off hand that could fall into this category are waitresses or waiters working for salary and tips, truck drivers that are paid by the mile and never know how many miles they are going to get, the self-employed that their business income varies from season to season, and the list could go on.

Trying to manage your finances with a steady income is hard enough but when you never know what your paycheck will be seems almost impossible, but it?s not. It is, however, going to be a little more tricky.

In my Budget and Bill Organizer I talk about averaging your expenses like your phone and electric bills that vary from month to month. The same principle can be used to average your income.

The first step you need to take is to find records of your pay for as far back as you can. It would be best if you had records going back for at least 6 months.

Take these records and total the amounts you were paid for the entire period. Then divide that by the number of months you have records for. This will give you your average monthly income.

If you don?t have any record of your previous pay you may need to go to your employer to get the information. If there is no way to get this information you should start a log of how much you get paid and use this to develop your budget.

Once you have determined your average monthly income you will need to develop your budget just as if this was your regular pay.

Here?s where it gets tricky. You aren?t always going make the amount you have budgeted. The only way to handle this is to save when you make more than what you have budgeted.

Here?s an example:

You have determined that your monthly budget is $2000 per month;

In January you earn $2500. You will need to put away $500 of that money so that you can make up for any month that your income falls below $2000.

This sounds like a simple solution to a complex problem but it may not be as easy as it sounds unless you accustomed to saving money. It will take some discipline to make sure that money is there when you need it.

There could be a bright side to this method. If you are able to put the extra money away and you have several months that you make more than your budget you could end up with a sizable savings account.

When setting up your budget make sure that you don?t underestimate your bills and expenses. This is one of the major reasons many budgets fail.

By averaging your income it will prevent the ?Feast to Famine? approach to your spending. It only makes sense to spread your income out so that you can cover all of your bills and expenses every month.

Source: http://zivili.org/2012/03/29/learning-budgeting/

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Add-on turns a smartphone camera into a joystick (video)

One of the more irritating aspects of touchscreen gaming is almost certainly the inevitability of blocking the screen as you play -- particularly with smaller devices like smartphones. A new peripheral being developed by Kelo University takes an interesting approach to the problem -- using the device to transform the gadget's camera into a three-axis joystick of sorts by detecting the movement of markings on the add-on. According to its creators, the accuracy of the joystick depends largely on the precision of the phone's hardware. Check it out in action after the break.

Continue reading Add-on turns a smartphone camera into a joystick (video)

Add-on turns a smartphone camera into a joystick (video) originally appeared on Engadget on Fri, 30 Mar 2012 16:28:00 EDT. Please see our terms for use of feeds.

Permalink   |  Diginfo  | Email this | Comments

Source: http://www.engadget.com/2012/03/30/add-on-turns-a-smartphone-camera-into-a-joystick-video/

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Build your dream home in Glen Oaks Real Estate

This article has been viewed 15 times.

A home is not built every day, it is one time investment. If you fail to notice one thing, you suffer from it for lifetime. Therefore it is necessary to notice all things before purchasing a new house. If you have time to make your home search, it is very good because nobody else can see from your eyes. You know your requirements best. You understand what comforts you?ll seek in your new house.

After deciding what facilities you want in your new house, hire a professional real estate agent or broker and discuss your budget and requirement. Services of professional real estate agents are very necessary and profitable for you. Don?t see how much you pay to him or her, but see how much his or her services save for you. An expert is an expert, and he or she understands the market.

Your real estate agent helps you to appraise the exact value of the home you are purchasing. Purchasing a home is the mixed decision of your real estate agent and you. NYC real estate brokers provide you the listings in the local area and help you to take your decision. If they are providing you a listing of a home on sale, it doesn?t mean that the price they are mentioning is correct. This price needs to be negotiated on the actual site. When you pay a physical visit to this site, you?ll notice many things that need renovation. You should check the condition of floor, doors, windows and pipeline fittings. The electrical fitting also needs to be checked. If a house is well renovated before sale, and there is no need of any investment on its renovation, you can pay the cost it deserves. However, your real estate agent negotiates well and saves you a good amount of money on your purchase.

Glen Oaks Real Estate is offering you good houses on great prices. If you want to invest your life time savings in stable property market, you can possess a property in Glen Oaks. It?ll give you stable returns over time. However leave the final decision on your real estate agent, so that he or she can better bargain over the house prices. In case you need to get finance for your house, you can take advice from your broker. He or she has contacts with banks and therefore can provide you better advice regarding maintaining your file and applying for loan. Sometimes brokers have direct contact with banks and help you to get your loan approved.

HTML Ready Article You Can Place On Your Site. (do not remove any attribution to source or author) <title>Articles Location | Build your dream home in Glen Oaks Real Estate</title><h3>Build your dream home in Glen Oaks Real Estate</h3><p>By: </p><p>A home is not built every day, it is one time investment. If you fail to notice one thing, you suffer from it for lifetime. Therefore it is necessary to notice all things before purchasing a new house. If you have time to make your home search, it is very good because nobody else can see from your eyes. You know your requirements best. You understand what comforts you'll seek in your new house. </p><p>After deciding what facilities you want in your new house, hire a professional real estate agent or broker and discuss your budget and requirement. Services of professional real estate agents are very necessary and profitable for you. Don't see how much you pay to him or her, but see how much his or her services save for you. An expert is an expert, and he or she understands the market. </p><p>Your real estate agent helps you to appraise the exact value of the home you are purchasing. Purchasing a home is the mixed decision of your real estate agent and you. NYC real estate brokers provide you the listings in the local area and help you to take your decision. If they are providing you a listing of a home on sale, it doesn't mean that the price they are mentioning is correct. This price needs to be negotiated on the actual site. When you pay a physical visit to this site, you'll notice many things that need renovation. You should check the condition of floor, doors, windows and pipeline fittings. The electrical fitting also needs to be checked. If a house is well renovated before sale, and there is no need of any investment on its renovation, you can pay the cost it deserves. However, your real estate agent negotiates well and saves you a good amount of money on your purchase. </p><p>Glen Oaks Real Estate is offering you good houses on great prices. If you want to invest your life time savings in stable property market, you can possess a property in Glen Oaks. It'll give you stable returns over time. However leave the final decision on your real estate agent, so that he or she can better bargain over the house prices. In case you need to get finance for your house, you can take advice from your broker. He or she has contacts with banks and therefore can provide you better advice regarding maintaining your file and applying for loan. Sometimes brokers have direct contact with banks and help you to get your loan approved. </p><p>SHV real Estate offers you property listings in New York and Glen Oaks Real Estate . They are NYC real estate brokers, who help you make better investment in property.</p><p><b>Article Courtesy of</b> Articles Location<br /></p>

This article was prepared for you by allenkingron, one of our 'Authors'.
Visit this authors profile page and learn more about them & the articles they write.

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Source: http://www.articleslocation.com/business/real-estate-business/build-your-dream-home-in-glen-oaks-real-estate/

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Is Facebook the New Email for Local Business Advertising? | Social ...

[unable to retrieve full-text content]Move over traditional emails! Spread your local business with Facebook emailing and group-ing.

Source: http://www.socialvani.com/2012/03/is-facebook-the-new-email-for-local-business-advertising/

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Judge ends Lohan's probation, gives back freedom

Lindsay Lohan smiles during a progress report on her probation for theft charges at Los Angeles Superior Court Thursday, March 29, 2012. A judge ended Lindsay Lohan's supervised probation on Thursday, giving the actress her freedom after nearly two years of constant court hearings and threats of jail. Lohan thanked Superior Court Judge Stephanie Sautner for her patience and let out a sigh of relief as she exited the courtroom after the brief hearing. (AP Photo/Joe Klamar, Pool)

Lindsay Lohan smiles during a progress report on her probation for theft charges at Los Angeles Superior Court Thursday, March 29, 2012. A judge ended Lindsay Lohan's supervised probation on Thursday, giving the actress her freedom after nearly two years of constant court hearings and threats of jail. Lohan thanked Superior Court Judge Stephanie Sautner for her patience and let out a sigh of relief as she exited the courtroom after the brief hearing. (AP Photo/Joe Klamar, Pool)

Lindsay Lohan arrives for a progress report on her probation for theft charges at Los Angeles Superior Court Thursday, March 29, 2012. Lohan will update a judge on her progress on strict probation requirements that have had her doing cleanup duty at the county morgue and attending regular psychotherapy sessions since late last year. Superior Court Judge Stephanie Sautner has said she will end Lohan's probation on a 2007 drunken driving case on Thursday if she completes the requirements. (AP Photo/Reed Saxon)

Lindsay Lohan smiles in court during a progress report on her probation for theft charges at Los Angeles Superior Court Thursday, March 29, 2012. Lohan will update a judge on her progress on strict probation requirements that have had her doing cleanup duty at the county morgue and attending regular psychotherapy sessions since late last year. Superior Court Judge Stephanie Sautner has said she will end Lohan's probation on a 2007 drunken driving case on Thursday if she completes the requirements. (AP Photo/Joe Klamar, Pool)

Lindsay Lohan leaves after a progress report on her probation for heft charges at Los Angeles Superior Court Thursday, March 29, 2012. A judge ended Lindsay Lohan's supervised probation on Thursday, giving the actress her freedom after nearly two years of constant court hearings and threats of jail. Lohan thanked Superior Court Judge Stephanie Sautner for her patience and let out a sigh of relief as she exited the courtroom after the brief hearing. (AP Photo/Reed Saxon)

Lindsay Lohan, right, embraces her attorney, Shawn Chapman Holley after a progress report on her probation for theft charges at Los Angeles Superior Court Thursday, March 29, 2012. A judge ended Lindsay Lohan's supervised probation on Thursday, giving the actress her freedom after nearly two years of constant court hearings and threats of jail. Lohan thanked Superior Court Judge Stephanie Sautner for her patience and let out a sigh of relief as she exited the courtroom after the brief hearing. (AP Photo/Joe Klamar, Pool)

LOS ANGELES (AP) ? Lindsay Lohan's days as a criminal defendant could be over ? if she can behave herself.

A judge on Thursday ended the long-running probation of the problem-prone actress in a 2007 drunken driving case after a string of violations, jail sentences and rehab stints.

The 25-year-old actress will remain on informal probation for taking a necklace without permission last year, but will no longer have a probation officer or face travel restrictions and weekly shifts cleaning up at the morgue.

Lohan, wearing a powder blue suit and black blouse, let out a sigh of relief as she left Judge Stephanie Sautner's courtroom, possibly for the last time.

"I just want to say thank you for being fair," Lohan told the judge. "It's really opened a lot of doors for me."

The judge said she wasn't going to lecture the actress, but gave her some parting advice.

"You need to live your life in a more mature way, stop the nightclubbing and focus on your work," Sautner said.

She reminded Lohan that she will remain on informal probation until May 2014 in the necklace case and could face up to 245 days in jail if she gets into trouble again.

Still, the end of probation left Lohan looking relieved. She hugged her attorney, Shawn Holley, before leaving the courtroom, and was beaming by the time she walked past the rows of cameras waiting for her outside the courthouse near Los Angeles International Airport.

Sautner's regimen of morgue duty, therapy and monthly court dates helped Lohan weather the drunken driving case. The judge opened the hearing by calling the case "endless."

Lohan is now free to focus on her career for the first time since May 2010, when she missed a court appearance and was later jailed for failing to complete the terms of her sentence.

The "Mean Girls" star has struggled with the case and her career since the two drunken driving arrests in 2007.

She had small appearances in films and did some modeling but came nowhere near her heyday as the star of Disney films and movies aimed at teens and young adults.

Her career is already showing signs of a comeback. She is due to guest star on an upcoming episode of "Glee," recently hosted a highly rated but criticized episode of "Saturday Night Live," and is set to star as Elizabeth Taylor in a television movie.

"Lindsay is already talking about her next few projects," her spokesman Steve Honig wrote in a statement after the hearing. "She is ready to start the next chapter in her life and get back to work and doing what she loves to do ? making movies."

Lohan's tortured four-and-a-half-year effort to complete probation is not unprecedented. Actress Michelle Rodriguez took more than five years to resolve her drunken driving case, which featured many of the same elements as the Lohan saga ? missed deadlines and jail sentences.

Other celebrities resolved their DUI cases much faster. Fellow female celebrities such as Paris Hilton, Nicole Richie and Khloe Kardashian were all sentenced to jail and faced multiple court hearings because they didn't properly comply with orders from a judge, but their cases have long since ended.

Lohan might still have to return to a courthouse to resolve civil issues.

Two weeks ago, a nightclub manager in Hollywood accused her of grazing him with her Porsche. The actress denied the accusation and no charges have been filed. But the matter could end up in a civil court, where Lohan is already being sued by two other people for auto-related incidents.

Three men who were in a car that Lohan commandeered and used during a chase along Pacific Coast Highway are suing her and the case is scheduled for trial later this year. The incident led to her second drunken driving arrest in 2007.

Lohan is also being sued by a woman who claims she was struck by the star's car while walking in West Hollywood, and by a former Betty Ford worker who was involved in an altercation with the actress during her three-month stay at the facility in late 2010.

___

Anthony McCartney can be reached at http://twitter.com/mccartneyAP

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/4e67281c3f754d0696fbfdee0f3f1469/Article_2012-03-29-People-Lindsay%20Lohan/id-0c2a5234a097418bb33981c7eda5c3e1

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How Much More Women Pay for Health Insurance

Some states permit insurance companies to offer maternity and women?s health as a separate policy rider. This is the case in NC, where the cheapest publicly available insurance for a young woman adding maternity coverage comes close to doubling the total premium. I am surprised they did not take this into account on their data, since it would lead to a lot more ?red states? ? of some strange shade of red or gray (I think that?s been covered well at this point).

Feels like one of those ?know your data? issues.

I am trying to leave the politics out of it, but for the ?men pay more in car insurance? folks out there, the last time I checked there is only one driver of a car. Maternity coverage implies the involvement of a guy at some point in time or another, but the health burden is entirely on the woman.

Source: http://flowingdata.com/2012/03/30/how-much-more-women-pay-for-healthcare/

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US stocks fall on worries about Europe's economy

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Source: http://news.yahoo.com/us-stocks-fall-worries-europes-economy-134832262.html

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