Friday, March 9, 2012

Obtaining Benefit Payday loans Consumer debt | MSC Polegek ...

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Source: http://www.mscpolegek.com/obtaining-benefit-payday-loans-consumer-debt.html

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Thursday, March 8, 2012

Researchers capture first-ever image of two atoms forming a molecule

ScienceDaily (Mar. 7, 2012) ? Researchers have recorded the first-ever image of two atoms bonding together to form a molecule.

Key to the experiment, which appears in the journal Nature, is the researchers' use of the energy of a single electron as a kind of "flash bulb" to illuminate the reaction.

The team used ultrafast laser pulses to knock one electron out of its natural orbit in one of the atoms, just as the two atoms were bonding together. When the electron fell back into place, it emitted an energy signal that scattered around the newly forming molecule as a flash of light would scatter around an object, or ripples would scatter in a pond.

Principal investigator Louis DiMauro of Ohio State University said that the feat marks a first step toward not only observing chemical reactions, but also controlling them on an atomic scale.

"Through these experiments, we realized that we can control the trajectory of the electron when it comes back to the molecule, by adjusting the orientation of the laser that launches it," said DiMauro, who is a professor of physics at Ohio State. "The next step will be to see if we can hit the electron in just the right way to actually control a chemical reaction."

A more common imaging technique involves shooting a molecule with an electron beam, bombarding it with millions of electrons per second. The researchers deemed the new single-electron approach more reliable, based on theoretical developments by the paper's coauthors at Kansas State University.

"If we shot an electron beam from outside the molecule, there would only be a certain probability that one of the electrons would scatter off the molecule," explained Ohio State postdoctoral researcher Cosmin Blaga. "But in this case, when we use a laser to launch an electron from inside the molecule we are studying, we have a 100 percent probability that it will fall back into the molecule and scatter."

The technique, called laser induced electron diffraction (LIED), is commonly used in surface science to study solid materials. This is the first time anyone has used LIED to study a single molecule as it formed.

The molecules the researchers chose to study were simple ones: they brought two nitrogen atoms together to form molecular nitrogen, or N2, then repeated the experiment with two oxygen atoms forming molecular oxygen, or O2. N2 and O2 are common atmospheric gases, and scientists already know every detail of how they form, so these two very basic reactions made good test cases for the LIED technique.

In each case, the researchers hit the forming molecule with laser light pulses of 50 femtoseconds, or quadrillionths of a second. They were able to knock a single electron out of the outer shell of one of the constituent atoms and detect the energy signal of the electron as it fell back into the molecule.

DiMauro and Blaga likened the electron signal to the diffraction pattern that light forms when it passes through slits. Given only the diffraction pattern, scientists can reconstruct the size and shape of the slits. In this case, given the diffraction pattern of the electron, the physicists reconstructed the size and shape of the molecule -- that is, the locations of the constituent atoms' nuclei and the electron shells orbiting them.

The resulting 3D image marks the first image ever recorded of bonds forming in a molecule.

Beyond its potential for controlling chemical reactions, the technique offers a new tool to study the structure and dynamics of matter, Blaga said. "Ultimately, we want to really understand how chemical reactions take place. So, long-term, there would be applications in materials science and even chemical manufacture."

"You could use this to study individual atoms," DiMauro added, "but it's safe to say that we won't learn anything new from an atomic physics standpoint. The greater impact to science will come when we can study reactions between more complex molecules. Looking at two atoms -- that's a long way from studying a more interesting molecule like a protein."

Coauthors on the paper included Anthony DiChiara, Emily Sistrunk, Kaikai Zhang, Pierre Agostini, and Terry A. Miller of Ohio State; and C.D. Lin of Kansas State. Coauthor Junliang Xu pursued the theoretical side of this research to earn his doctorate at Kansas State, and will soon join DiMauro's lab as a postdoctoral researcher.

Funding came from the U.S. Department of Energy Basic Energy Sciences Program.

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The above story is reprinted from materials provided by Ohio State University, via Newswise.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.


Journal Reference:

  1. Cosmin I. Blaga, Junliang Xu, Anthony D. DiChiara, Emily Sistrunk, Kaikai Zhang, Pierre Agostini, Terry A. Miller, Louis F. DiMauro, C. D. Lin. Imaging ultrafast molecular dynamics with laser-induced electron diffraction. Nature, 2012; 483 (7388): 194 DOI: 10.1038/nature10820

Note: If no author is given, the source is cited instead.

Disclaimer: Views expressed in this article do not necessarily reflect those of ScienceDaily or its staff.

Source: http://www.sciencedaily.com/releases/2012/03/120307132216.htm

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Immigrant Love Story: Separated Couple Awaits Immigration Law ...

TIJUANA, Mexico -- Agustin Portillo checks the oil in his wife's car, stores her luggage in her trunk and then drives her from his tiny apartment in Tijuana to the United States border entry port. It's not a long trip, but Ana Portillo is afraid to maneuver the streets of this violent city by herself.

They wait patiently in the hours-long security line, holding hands and stealing chaste kisses. A romantic ballad comes on the car radio, and Agustin faintly serenades his longtime bride. Ana tries not to notice when he tears up.

When they are near the checkpoint, he kisses her again before stepping out of the car. This is as far as he can go. After 20 years of living with his Ana in Los Angeles, he is stuck on the Mexican side of the fence.

Many assume an undocumented immigrant married to a U.S. citizen easily qualifies for a "green card" or legal U.S. residency. But Ana, an immigrant from El Salvador who is a U.S. citizen, and Agustin, a Mexican who lived illegally in the United States for decades, know the truth. They can live together in one of the poor, violent nations they fled, or they can live like this, divided.

The federal law that prohibits many undocumented immigrants from living in the United States with their citizen spouses has been criticized by President Barack Obama, who recently ordered the State Department to allow some families to stay together. But it's unclear when that will happen or how many families it will help.

Agustin, 49, and Ana, 60, have been separated by the border for nearly two years. She misses his companionship and how he cared for her when she was sick. He longs to seek her counsel when something troubles him, to feel her warmth as they sleep

"Without her, I am practically nothing," he said.

He lives alone in Tijuana. She lives in a small Los Angeles apartment with her younger son, an undocumented immigrant, and his family. Her other child, a legal resident, lives in Las Vegas. Her three grandchildren were all born in the United States.

Every two weeks, she makes the 300-mile roundtrip from Los Angeles to Agustin's one-bedroom apartment in central Tijuana. There is no fridge, no sofa, no oven. He sleeps on an air mattress and stores his food in coolers filled with ice.

On a recent visit, she wore a revealing shirt for her husband. Her hair had been straightened and dyed black. His hair was gray, but his arms looked strong from frequent workouts to relieve his frustrations.

He sobbed as they embraced.

Agustin wants to be with his family, but not in Tijuana, where the U.S. State Department warns of narcotics-related violence.

It's a city where border crossers pray at the centuries-old Roman Catholic church for safe passage. In a bustling street, amid churro vendors and the painted donkey of this infamous metropolis, dour-looking men and women clutch dirty duffel bags. They are "Los Indocumentados," or the undocumented, people who haven't made it past the border.

"I am in the same position as them, waiting to cross to a better life and unable to do so," Agustin said as he and Ana stood near the crowded church on a recent afternoon.

Inside, they knelt and prayed.

____

They were both undocumented immigrants living in the same Los Angeles apartment complex when they met at a birthday party in 1988.

He traveled with her to El Salvador to help bring her two sons from a previous relationship to California. They were chased by border agents and threatened by highway robbers and drug dealers. The brutality of the trip cemented the bonds of their new family once they made it to the United States.

She took care of the children of affluent doctors while he sold cars or sewed clothes at a factory.

Ana and her sons soon qualified for visas under a temporary amnesty program that helped foreigners whose homelands were deemed unsafe. They could work and live in the U.S., but not travel abroad. The amnesty did not apply to Agustin.

Ana's older son graduated from high school with high marks, but couldn't afford to go to college because his non-resident status disqualified him from federal aid. His younger brother asked Ana and Agustin to take him out of advanced classes. What was the point, he said, if he couldn't go to college? It was one of many times Ana cried for her sons.

She obtained a permanent visa in 2001 and later became a U.S. citizen. Her older son in Las Vegas also sought a permanent visa, and his brother promised to do the same. Ana was hopeful everyone in her family would soon be free from "that fear that they will deport you at any time," she said.

But she was quickly reminded of how the law works.

Her nephew, a U.S. citizen, talked her younger son into going to Tijuana for his 21st birthday, reasoning that border officials, hearing him speak English, would think he was American. But when her son tried to return, the border officer wanted more than to hear him speak. His temporary visa didn't allow him re-entry and he no longer qualified for a permanent visa because he was caught trying to enter the country illegally.

A coyote, or an immigrant smuggler, was paid to fetch Ana's son, returning him to California.

Before 1996, undocumented immigrants living in the United States could easily obtain visas or a "green card" if their spouse or parents were U.S. citizens or legal residents. But critics complained, and that year President Bill Clinton signed a law that banned undocumented immigrants seeking visas from returning to the United States for up to 10 years.

Under federal law, visa applicants must return to their native country for a State Department interview. Many learn that they are banned during that meeting, when they are already outside the U.S. Those who are caught crossing the border or living in the United States after being deported can be banned for life.

Families can seek an "extreme hardship" waiver to avoid the ban. But the law does not define extreme hardship and case law suggests the U.S. government does not consider factors such as children or the potential loss to family income.

Under Obama's proposed overhaul, some immigrants would be able to seek a hardship waiver before departing to their native country for a visa interview.

Obama's plan doesn't need to be approved by Congress. Some Republicans say he is fishing for Hispanic votes ahead of the November election.

As it is, some 3.4 million undocumented immigrants would likely qualify for visas because of their spouses or parents, but don't apply because they would be subject to the multi-year ban, said Muzaffar Chishti, an immigration lawyer with the Migration Policy Institute in New York.

Critics say undocumented immigrants should face tough penalties. Some support a permanent ban for anyone living in the country illegally.

"When I hear that the United States is tearing apart families, I really have a problem with that, because people have a choice," said David Seminara, a former State Department consular officer who opposes the hardship waivers in most cases.

___

Agustin's troubles started after he developed a hernia. He worried he could die without again seeing his older sisters in southern Mexico. He begged Ana to move back with him.

But she told him she couldn't earn what she does as a Los Angeles nanny, $500 a week. Mexico's per capita income is roughly one-third that, according to government figures.

So Agustin returned to his sisters. He was confident he could cross the border again whenever he wanted, as he had done when younger. After three months, he was ready to return to Los Angeles. But the border agents laughed at him when he tried to present a visa belonging to another man.

"Brother, you must think I'm an idiot," one agent said.

Agustin hired a coyote to take him into southern Arizona. They were almost there when a Border Patrol helicopter roared into the night sky. Agustin crawled into a ditch obscured by rocks. When the sound of the helicopter faded, he was alone and lost.

For hours, Agustin wandered through the desert as vultures circled. He thought he was dying of thirst when he came to a highway and a passing motorist offered him a ride to Tijuana. Since then, he's been too afraid to try again. Fear has also kept him from applying for legal entry.

"To see your family go and you can't go with them, it breaks your heart," he said.

And so he remains in Tijuana, where the border looms with thermal imaging surveillance cameras, patrolling aircraft and rows of strategically-placed walls, fences and watchtowers. Graffiti in English and Spanish covers the steel and concrete.

"This wall will not save your economy," reads one message.

"No wall can contain my heart," reads another.

The fence ends at the Pacific beach in western Tijuana. At sunset, with the orange bulb of the sun falling into the waves, the scene is almost romantic.

But not for Agustin and Ana, who read the angry messages as they walked arm-in-arm along the wall.

"This is where dreams die," Agustin said.

When he first began driving Ana to the border checkpoint at the end of their visits, Agustin would cry openly as she tried to console him in the hectic maze of taco stands, bass-thumping cars and makeshift tourist shops selling Virgin Mary statues.

"He used to tell me, `If only you could put me in your luggage,'" Ana recalled.

These days, he tries to more closely guard his emotions. He knows his tears upset her.

On her most recent trip, after Agustin left the car to walk back to his life in Tijuana, Ana handed her U.S. passport to a burly border officer. He cooed to her: You are so pretty. Do you have a boyfriend? He doesn't have papers, right?

"My husband," Ana replied.

The officer waved her forward.

Related on HuffPost:

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Source: http://www.huffingtonpost.com/2012/03/06/separated-couple-awaits-i_0_n_1323953.html

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Wednesday, March 7, 2012

Meet Personal Finance Goals With This Information | Find the Best ...

Taking charge of your personal financial situation can be a daunting and challenging process. Like anything else, it is much easier to control your personal finances if you are properly informed and know the right steps to achieve financial success. This article contains tips and tricks to help you improve your personal finances. We want to say a quick word about our discussion re http://www.fxcmreview.com/. As always, though, much of what you determine you need is totally dependent on what you want to accomplish. The most innocuous details can sometimes hold the most important keys as well as the greatest power. Specifically how they effect what you do is something you need to carefully consider. The rest of this article will provide you with a few more very hot ideas about this.

If you must move in with a family member to reduce expenses and save money. Make the best of the situation and save, save, save. It may be tempting to blow your paychecks on nights out or other frivolous things, but you could be saving for a few months? rent, a car, and other things that can get you back out on your own.

If you?re looking to improve your financial situation it may be time to move some funds around. If you constantly have extra money in the bank you might as well put it in a certificate of depressor. In this way you are earning more interest then a typical savings account using money that was just sitting idly.

Thrift shopping and consignment shopping have become more popular in the current economy. Try buying your clothes, home decor, and kitchen items second hand. You can save a lot of money on the things you have to buy anyway that you can then put towards your savings or retirement accounts.

Make sure you are carrying cash or your debit card for small purchases. You do not want to have to put small purchases on your credit card and end up paying interest on them. Some merchants also put restrictions on purchases made with a credit card not allowing you to put under 10 dollars on it.

There is so much for you to learn about eToro Bonus, and we definitely can help you in this area. Take a look at what is happening on your end, and that may help you to perfect what you need. The most innocuous details can sometimes hold the most crucial keys as well as the greatest power. How each one will play out in your circumstances is largely unknown, but we each have to think about that. Here are a number of more equally important highlights on this important topic.

If you are trying to repair your credit score, be sure to check your credit report for mistakes. You may be suffering from a credit card company?s computer error. If you notice a mistake, be sure to have it corrected as soon as possible by writing to all of the major credit bureaus.

Sometimes your credit score may be penalized by shutting down all of your credit card accounts at once. You can continue to pay on all of your accounts, but consider carrying only one or two cards in your purse or wallet at any time. You will be forced to carefully choose your credit purchases and avoid temptation.

Banks offer two different types of loans: fixed and variable interest rate loans. Try to avoid variable interest rate loans at any cost as they can turn into a disaster. Fixed rate loans will have the same interest rate throughout the loan?s life. The interest rate of the variable rate loans and their monthly payments change either by following the fluctuations of the market or the contract between the bank and the borrower. The monthly payment can easily reach a level the borrower can?t afford.

If you see something on your credit report that is inaccurate, immediately write a letter to the credit bureau. Writing a letter forces the bureau to investigate your claim. The agency who put the negative item on your report must respond within thirty days. If the item is truly incorrect, writing a letter is often the easiest way to have it removed.

As was discussed at the beginning of the article, improving your personal financial situation can be extremely intimidating. However, if you are equipped with the proper information to improve your finances effectively, it is no longer such a daunting or scary process. Apply this article?s advice and be on your way to improving your finances. Did you realize how much there is to learn about Easy Forex? Most people are when they get down to reading through about it. You can take what we have shown and use it to great effect in your own situation. But it would be a oversight to think that is all there is to it. You can achieve fantastic results once you discover where the real advantage lies. That is what is can be achievable when you go on to discover more.

Source: http://www.thebestsavingsaccount.com/financialadvisor/finance-personal-finance/meet-personal-finance-goals-with-this-information/

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Lawyers take center stage in detective's trial (AP)

[unable to retrieve full-text content]AP - Attorneys are set to deliver final arguments in the Stephanie Lazarus' murder trial, hoping to convince jurors of the guilt or innocence of the former police detective in the slaying of a romantic rival.

Source: http://us.rd.yahoo.com/dailynews/rss/crime/*http%3A//news.yahoo.com/s/ap/20120305/ap_on_re_us/detective_killing

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Tuesday, March 6, 2012

How to Start a Business with retirement Funds ? Try a Solo 401K ...

March 5th, 2012

Can one really use their retirement funds to start a business? Often people believe this is just too good to be true. The answer is yes ? however when it comes to using 401K or other retirement funds to start of finance a business, there are a number of IRS and Internal Revenue Code rules that must be reviewed. In general, the IRS allows one to use their retirement funds to invest in a business that they or any disqualified person will not be directly or indirectly involved in. The definition of a ?disqualified person? (Internal Revenue Code Section 4975(e)(2)) extends into a variety of related party scenarios, but generally includes the 401(k) Plan participant, any ancestors or lineal descendants of the 401(k) plan participant, and entities in which the 401(k) plan participant holds a controlling equity or management interest. However, the prohibited transaction rules under Internal Revenue Code Section 4975 prohibit an individual to use their retirement funds to invest in a business they will be involved personally. Internal Revenue Code Section 4975(c)(1)(d) outlines that a transfer to, or use by or for the benefit of, a disqualified person of the income or assets of a plan is treated as a prohibited transaction. Thus, an individual is not permitted to transfer retirement funds to a business he or she is personally involved in as that would be treated as a transfer of the income or assets of the retirement account to a disqualified person (IRA holder?s personal business).

How to Start a Business with retirement Funds?

There is really only one safe and cost effective way to use 401(k) or IRA funds to start a business without tax or penalty ? the Solo 401(k) Plan loan. Internal Revenue Code Section 72(p) allows a Solo 401K Plan participant to take a loan from his or her 401K Plan so as long as it is permitted pursuant to the business?s 401K Plan documents.

A solo 401k loan is permitted at any time using the accumulated balance of the solo 401k as collateral for the loan. A Solo 401(k) participant can borrow up to either $50,000 or 50% of their account value ? whichever is less. This loan has to be repaid over an amortization schedule of 5 years or less with payment frequency no less than quarterly. The Solo 401K Plan loan can be used for any purpose, including the investment in a business that you will be personally involved in and receive a salary from. The lowest interest rate that can be used for the Solo 401(k) Plan loan is the Prime interest rate as per the Wall Street Journal, which as of March 4, 2012 is 3.25%. The IRS does not restrict the use of the funds, the only limitation involved the re-payment of the loan proceeds. Using a Solo 401K loan to purchase a business offers several advantages. Firstly, you will have tax-free access to your retirement funds so you can use the funds to invest in a new business or finance an active business. Secondly, the loan is taken from your 401K plan so you will be paying your plan back not a bank or credit card company allowing you to increase your 401(k) plan while accessing your retirement funds tax-free.

If you are self-employed and have retirement funds, then the Solo 401k Plan is an ideal structure for starting a new business or financing an existing business.

To learn more how you can use 401(k) or retirement funds to buy a business or franchise tax free please contact at tax professional at 800-472-0646 or visit www.irafinancialgroup.com

Source: http://www.irafinancialgroup.com/wp/how-to-start-a-business-with-retirement-funds-try-a-solo-401k-plan/

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