GraphScience Promises To Turn Facebook Commerce Into A Moneymaker

graphscienceWhenever I hear brands talking about advertising on social networks, one of the most common questions is, "Well, what's the actual return?" Now a startup called GraphScience says it has turned measuring and optimizing that return into, well, a science. The company is officially launching today, but it's one of those startups that has been in stealth mode for a ridiculously long period of time. GraphScience was founded in 2010, and launched many of its services in 2011. And the company already counts jewelry site Ice and fashion site HauteLook among its customers.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/YoWy4zAMPoo/

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Celebrity Golf Classic raises $553,443 for Seena Magowitz Foundation

[ Back to EurekAlert! ] Public release date: 27-Feb-2012
[ | E-mail | Share Share ]

Contact: Steve Yozwiak
syozwiak@tgen.org
602-343-8704
The Translational Genomics Research Institute

Event at Arizona Biltmore supports pancreatic cancer research at TGen

PHOENIX, Ariz. Feb. 27, 2012 The 9th annual Seena Magowitz Celebrity Golf Classic raised $553,443 for pancreatic cancer research at the Translational Genomics Research Institute (TGen) through the Seena Magowitz Foundation.

These funds will go toward new international clinical trials run by TGen's Pancreatic Cancer Research Team.

This was the first time that major retailers, producers and suppliers in the mattress industry longtime supporters of pancreatic cancer research came together at the landmark Arizona Biltmore for the annual Seena Magowitz tournament.

More than 200 golfers took to the links Dec. 3, 2011, followed by an award luncheon, at which Roger E. Magowitz, President and co-founder of the Seena Magowitz Foundation, challenged everyone, the way he challenges himself.

"If not me, then who?" said Magowitz, a Scottsdale resident who for nearly a decade has championed research into finding a cure for pancreatic cancer, a disease that took the life of his mother, Seena, in 2001. "The 'who' is each one of you in this room," he said. "The 'who' is your business and your friends. The 'who' is an entire mattress industry united to fighting pancreatic cancer. I've never heard of any entire industry fighting a disease. We can beat this disease."

Magowitz, a long-time industry retailer, now is charitable advisor for Houston-based Mattress Firm, who has become a major sponsor.

Steve Stagner, President and CEO of Mattress Firm, a leading national bedding specialty retailer, served as Honorary Tournament Chairman: "This year's Seena Magowitz Classic provided us with a great opportunity to rededicate our commitment to putting an end to pancreatic cancer."

Michael Bassoff, President of the non-profit TGen Foundation, expressed his deep gratitude for the significant contributions made this past year by Roger Magowitz and Steve Stagner.

"In our fight against pancreatic cancer, there is no more powerful ally than Roger Magowitz, whose own commitment has initiated many incredible partnerships within the home furnishings industry," Bassoff said. "We also are extremely grateful to have merited the support of Steve Stagner and the Mattress Firm."

In March 2011, Mattress Firm announced that it named TGen its "charitable partner of choice," specifically funding TGen's pancreatic cancer research.

In May 2011, Mattress Firm kicked off their fundraising efforts for TGen's pancreatic cancer clinical trials.

In December 2011, pancreatic clinical trials began through TGen and other sites that are named for Seena Magowitz.

###

For more information about the "Seena" clinical trials, please contact Amy Stoll, Program Manager of TGen's Pancreatic Cancer Research Team, at astoll@tgen.org or 602-358-8319.

Major sponsors at the Golf Classic included these producers, suppliers and retailers: Sealy, Mattress Firm, Tempur-Pedic, Protect A Bed, Leggett & Platt, Serta, Comfort Solutions, Ellman Family Vineyards, Arizona Diamondbacks, Customatic Adjustable Bedz, Ideology, Francomano & Francomano, Morley Companies, Anatomic Global, Classic Brands, Knickerbocker, Simmons, Southerland, Wesley Allen, Back to Bed, and Mattress Discounters.

About the Seena Magowitz Foundation

The Seena Magowitz Foundation is a 501(c)(3) non-profit organization committed to advancing the awareness and eventual prevention and cure of pancreatic cancer. The Foundation is dedicated to funding top medical institutions on the leading edge of translational pancreatic cancer research committed to diagnosis, the advancement of life-extending treatment options and the ultimate goal of eradicating this deadly killer. For more information, visit: www.seenamagowitzfoundation.org.

About TGen

The Translational Genomics Research Institute (TGen) is a Phoenix, Arizona-based non-profit organization dedicated to conducting groundbreaking research with life changing results. Research at TGen is focused on helping patients with diseases such as cancer, neurological disorders and diabetes. TGen is on the cutting edge of translational research where investigators are able to unravel the genetic components of common and complex diseases. Working with collaborators in the scientific and medical communities, TGen believes it can make a substantial contribution to the efficiency and effectiveness of the translational process. TGen is affiliated with the Van Andel Research Institute in Grand Rapids, Michigan. For more information, visit: www.tgen.org.

Press Contact:
Steve Yozwiak
TGen Senior Science Writer
602-343-8704
syozwiak@tgen.org


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?


AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.


[ Back to EurekAlert! ] Public release date: 27-Feb-2012
[ | E-mail | Share Share ]

Contact: Steve Yozwiak
syozwiak@tgen.org
602-343-8704
The Translational Genomics Research Institute

Event at Arizona Biltmore supports pancreatic cancer research at TGen

PHOENIX, Ariz. Feb. 27, 2012 The 9th annual Seena Magowitz Celebrity Golf Classic raised $553,443 for pancreatic cancer research at the Translational Genomics Research Institute (TGen) through the Seena Magowitz Foundation.

These funds will go toward new international clinical trials run by TGen's Pancreatic Cancer Research Team.

This was the first time that major retailers, producers and suppliers in the mattress industry longtime supporters of pancreatic cancer research came together at the landmark Arizona Biltmore for the annual Seena Magowitz tournament.

More than 200 golfers took to the links Dec. 3, 2011, followed by an award luncheon, at which Roger E. Magowitz, President and co-founder of the Seena Magowitz Foundation, challenged everyone, the way he challenges himself.

"If not me, then who?" said Magowitz, a Scottsdale resident who for nearly a decade has championed research into finding a cure for pancreatic cancer, a disease that took the life of his mother, Seena, in 2001. "The 'who' is each one of you in this room," he said. "The 'who' is your business and your friends. The 'who' is an entire mattress industry united to fighting pancreatic cancer. I've never heard of any entire industry fighting a disease. We can beat this disease."

Magowitz, a long-time industry retailer, now is charitable advisor for Houston-based Mattress Firm, who has become a major sponsor.

Steve Stagner, President and CEO of Mattress Firm, a leading national bedding specialty retailer, served as Honorary Tournament Chairman: "This year's Seena Magowitz Classic provided us with a great opportunity to rededicate our commitment to putting an end to pancreatic cancer."

Michael Bassoff, President of the non-profit TGen Foundation, expressed his deep gratitude for the significant contributions made this past year by Roger Magowitz and Steve Stagner.

"In our fight against pancreatic cancer, there is no more powerful ally than Roger Magowitz, whose own commitment has initiated many incredible partnerships within the home furnishings industry," Bassoff said. "We also are extremely grateful to have merited the support of Steve Stagner and the Mattress Firm."

In March 2011, Mattress Firm announced that it named TGen its "charitable partner of choice," specifically funding TGen's pancreatic cancer research.

In May 2011, Mattress Firm kicked off their fundraising efforts for TGen's pancreatic cancer clinical trials.

In December 2011, pancreatic clinical trials began through TGen and other sites that are named for Seena Magowitz.

###

For more information about the "Seena" clinical trials, please contact Amy Stoll, Program Manager of TGen's Pancreatic Cancer Research Team, at astoll@tgen.org or 602-358-8319.

Major sponsors at the Golf Classic included these producers, suppliers and retailers: Sealy, Mattress Firm, Tempur-Pedic, Protect A Bed, Leggett & Platt, Serta, Comfort Solutions, Ellman Family Vineyards, Arizona Diamondbacks, Customatic Adjustable Bedz, Ideology, Francomano & Francomano, Morley Companies, Anatomic Global, Classic Brands, Knickerbocker, Simmons, Southerland, Wesley Allen, Back to Bed, and Mattress Discounters.

About the Seena Magowitz Foundation

The Seena Magowitz Foundation is a 501(c)(3) non-profit organization committed to advancing the awareness and eventual prevention and cure of pancreatic cancer. The Foundation is dedicated to funding top medical institutions on the leading edge of translational pancreatic cancer research committed to diagnosis, the advancement of life-extending treatment options and the ultimate goal of eradicating this deadly killer. For more information, visit: www.seenamagowitzfoundation.org.

About TGen

The Translational Genomics Research Institute (TGen) is a Phoenix, Arizona-based non-profit organization dedicated to conducting groundbreaking research with life changing results. Research at TGen is focused on helping patients with diseases such as cancer, neurological disorders and diabetes. TGen is on the cutting edge of translational research where investigators are able to unravel the genetic components of common and complex diseases. Working with collaborators in the scientific and medical communities, TGen believes it can make a substantial contribution to the efficiency and effectiveness of the translational process. TGen is affiliated with the Van Andel Research Institute in Grand Rapids, Michigan. For more information, visit: www.tgen.org.

Press Contact:
Steve Yozwiak
TGen Senior Science Writer
602-343-8704
syozwiak@tgen.org


[ Back to EurekAlert! ] [ | E-mail | Share Share ]

?


AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.


Source: http://www.eurekalert.org/pub_releases/2012-02/ttgr-cgc022412.php

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Could you do with some help to select the best type of financial ...

Should you be experiencing difficulty in finding a company who is in agreement to loan you money because you have a dodgy financial history then you?ve no need to lose sleep over it any more. Having a number of top financial providers in the UK that now give bad credit loans at quite reasonable rates. This kind of loan is purposely aimed at people who have had issues with bad credit, who may have had CCJs or those who?ve been blacklisted. Nevertheless, when searching for likely lenders make sure you confirm the APR charged as it can vary enormously, from as little as 19.5% to in some cases over 50%!

If you are looking for a really short- term loan to tie you over pending your next job payment, perhaps it could be more cost-effective for you to opt for payday loans no credit checks rather than use your Visa card or go in debt on your bank account. Such temporary loans are to be had by individuals who are working and who need to be able to get cash fast, possibly because of a crisis for example a car crash or an unforeseen demand for payment which requires immediate payment. Although one is usually obliged to pay it off once they receive their following salary payment, the finance companies that grant such financial borrowings normally specify a 30-day grace period for settlement of the total amount owing.

In the case of quite a few people a bad credit loan might not be the best answer for their wants and perhaps as a better alternative guarantor loans may supply them with the finance they need. This is an unsecured loan and enables the person to provide the company with details of a named individual who would adopt full accountability for the repayments on the loan should it be forfeited howsoever by the original borrower. Merely because of this, the lender won?t normally delve into the credit status of the original borrower but the named individual on the account instead. There is not a large variety of providers marketing this particular type of finance and APR charge is usually quite high.

In the case of secured mortages such as home loans online, identifying the top arrangement may simply achieved by delving into this area on the web. When examining pages of possible providers be certain the provider you are considering is a dealer or a direct lender. What?s the difference and in what way would this impact you? In essence, the agent could find you the best deal however note they will be charging a fee themselves so if you do the hard work alone you may save yourself having to pay this extra charge! Take your time in selecting the financial organisation you want to contract with as home loans can continue for up to 25 years. You should be 100% sure it?s the right one for you and your finances.

This entry was posted in Uncategorized by Mike. Bookmark the permalink.

Source: http://www.structuredsettlementmoneyfast.com/2012/02/could-you-do-with-some-help-to-select-the-best-type-of-financial-arrangement-for-your-requirements/

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Popular Dieting ? Fat Loss 4 Idiots

Fat Loss 4 Idiots is a relatively new diet that guarantees participants to lose 9 pounds every 11 days. The home page of FL4 Idiots stresses the idea that most popular diets or dieting products just don?t work.

With low fat foods being first, it states the fact that even though low fat foods have been in the spotlight for 15 years, our society as a whole continues to become more overweight as time goes on. This is definitely a good case against low fat foods effecting the entire population, but that doesn?t mean that everyone who grocery shops even buys low fat foods, let alone enough for low fat foods to have an effect on their health.

According to Fat Loss 4 Idiots, Low calorie diets are an illogical way to lose weight because consuming fewer calories actually slows down your metabolism, which turns off your body?s ?fat burning engine?.

A low calorie diet plan may initially allow for the dieter to lose a few pounds, but also causes a ?dieting plateau?, where all weight loss stops.

The most popular of the mentioned diet plans is Low Carb. Fat Loss 4 Idiots says that Low Carb diets are too strict and generally too hard to maintain for average people wanting to lose weight. It also says that Low Carb diets ?rob? your body of energy, making it even more difficult for dieters to stick with the plan. It never proves that Low Carb doesn?t work.

Lastly, Fat Loss 4 Idiots compares itself with Genny Craig and Weight Watchers, which include both dieting and exercising. Both of these weight loss programs do work, but they?re designed to work slowly (2 to 3 pounds per week). They also require participants to buy special meals and supplements in the initial phase of the weight loss plan, while FL4 Idiots is designed for rapid weight loss.

By discrediting the most popular ways to lose weight, the creators of Fat Loss 4 Idiots are presenting the idea that their ?accelerated fat burning? diet comes with none of the cons of other popular diets.

This very well could be true, but what does the Fat Loss 4 Idiots diet plan consist of?

The few things that they mention about their system are very appealing to people who have had experience with the other weight loss programs listed on the home page. Fat Loss 4 Idiots stresses the fact that ?food is not enemy?, and that dieters will actually be eating more food while following their diet plan. With the right foods and the right intervals, eating more than usual causes fat burning hormones to ?turn on?, and fat storing hormones to ?turn off?. FL4 Idiots actually requires the dieter to eat more than 3 meals per day. After 11 days of following their diet plan, there are 3 days of eating anything you want.

Aside from their marketing techniques, Fat Loss 4 Idiots appears to be a legitimate diet, focusing more on utilizing your body?s natural hormones as a way of burning fat.

Check out the Popular Dieting Blog here to learn more.

Source: http://www.1directory.net/health-fitness/popular-dieting-fat-loss-4-idiots-8571.html

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UPDATE 3-Golf-Westwood and McIlroy advance, Kaymer exits

Sat Feb 25, 2012 2:19am GMT

* Westwood beats Watney 3&2 to reach quarters

* World number four Kaymer ousted 4&3 by Kuchar

* McIlroy wins 3&1 against Jimenez (Adds McIlroy quotes, detail)

By Mark Lamport-Stokes

MARANA, Arizona, Feb 24 (Reuters) - Lee Westwood, oozing confidence, reached the last eight for the first time at the WGC-Accenture Match Play Championship while Germany's Martin Kaymer became the biggest casualty in Friday's third round.

World number three Westwood never trailed on his way to a 3&2 victory over American Nick Watney but Kaymer, beaten by Luke Donald in last year's final, was ousted 4&3 by American Matt Kuchar at Dove Mountain's Ritz-Carlton Golf Club.

Hunter Mahan completed another upset when he stunned U.S. Ryder Cup team mate and world number five Steve Stricker 4&3 after a sizzling display in the Sonoran desert and Northern Irish world number two Rory McIlroy beat Spaniard Miguel Angel Jimenez 3&1.

Kuchar became the first player to reach the quarter-finals, coming from one down after three holes with a rock-solid performance as Kaymer perpetually struggled on the tricky, heavily contoured greens at Dove Mountain.

"Matt played very consistently," Kaymer told reporters. "He didn't make any mistake really, but I made a few today unfortunately.

"I hit a lot of good quality golf shots today, especially the first nine. I didn't miss any golf shots really, but I just couldn't make the putts."

World number 14 Kuchar struck his tee shot to within two feet of the cup at the par-three sixth for a conceded birdie to go one up before his lead was doubled when Kaymer three-putted from six feet to bogey the par-five eighth.

The consistent American then birdied the 10th and 11th to go four up before sealing the win with a matching par on the 15th green.

Westwood, who would return to the top of the world rankings if he wins Sunday's final, was delighted to beat Watney, having lost to the American in the second round in 2010 and again last year.

"I knew it was going to be a tough match against Nick," the Englishman smiled. "It was nice to not make that hat-trick and to win, get through to tomorrow and see what happens on the weekend."

BIRDIE MACHINE MAHAN

In-form Mahan piled up nine birdies in dazzling sunshine, the last of them conceded by Stricker from just two feet at the driveable par-four 15th to end their third-round encounter.

"I felt good with my game," said Mahan, who will face Kuchar in Saturday morning's quarter-finals. "Irons, driving, everything, putting, chipping ... I just had a lot of confidence in it.

"Boy, it's nice to get off to a good start and get ahead early. I just played solid from there and made a nice little bomb on 12," the American said of his 50-foot birdie putt at the par-three hole. "That was a momentum changer."

McIlroy, who like Westwood would depose Donald at the top of the world rankings by winning the World Golf Championships title on Sunday, was delighted to produce his best form of the week.

"I'm not saying I played terrible the first two days, but it wasn't like my best," the 22-year-old Northern Irishman said after never trailing in his match against Jimenez.

"I definitely saw a glimpse of my best golf out there today. I was really pleased when I had to hit good shots coming down the stretch, I was able to produce them."

McIlroy is also bidding to become the youngest ever winner of the Match Play Championship, Tiger Woods having set the record with his 2003 triumph aged 27.

American Mark Wilson reached the last eight for the first time with a 4&3 victory over big-hitting compatriot Dustin Johnson and Martin Laird beat 1999 British Open champion Paul Lawrie 3&1 in all-Scottish encounter.

In other matches, Swede Peter Hanson advanced with a 5&3 win over American Brandt Snedeker while South Korea's Bae Sang-moon won a tight tussle with Australian John Senden one up. (Reporting by Mark Lamport-Stokes; Editing by Frank Pingue/Patrick Johnston)

Source: http://feeds.reuters.com/~r/reuters/UKGolfNews/~3/iKTdsDMD1Lo/golf-pga-matchplay-idUKL4E8DO86020120225

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Park City Ski Rental Gear- Get Your Options Right | Ezine Free Articles

[unable to retrieve full-text content]February 23, 2012 | Author: FarrahCarras | Posted in RECREATION & SPORTS. No matter how much of a skiing enthusiast you may be, and have your whole package of skiing gear, the idea of carrying the bulky skiing gear for every skiing ...

Source: http://www.ezinefreearticles.com/park-city-ski-rental-gear-get-your-options-right/

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NIST reveals switching mechanism in promising computer memory device

[ Back to EurekAlert! ] Public release date: 23-Feb-2012
[ | E-mail | Share Share ]

Contact: Chad Boutin
chad.boutin@nist.gov
301-975-4261
National Institute of Standards and Technology (NIST)

Sometimes knowing that a new technology works is not enough. You also must know why it works to get marketplace acceptance. New information from the National Institute of Standards and Technology (NIST)* about how layered switching devices for novel computer memory systems work, for example, may now allow these structures to come to market sooner, helping bring about faster, lower-powered computers.

Switches based on transition-metal oxides have great potential as memory devices that retain their information even when the power is turned off. One type is made by stacking four different materials: a layer of copper and one of a metal oxide sandwiched between two metal layers that act as electrodes. Such systems can act as an on/off switch when a voltage is applied between the electrodes, but just why they behave as they do is a matter of debate.

Types of nonvolatile memory already existthumb drives make use of itbut they do not yet perform well enough to function as the working memory of a computer's central processor. If metal oxides can be perfected for this use, they could enable computers that boot up in seconds and use far less energy.

To study the switching mechanism, the NIST research team built its own version, but with a twist: They used ferromagnetic metals for the electrodes instead of the nonmagnetic metals typically used. They found that when an electric field is applied between the ferromagnetic electrodes, it causes the formation of tiny copper filaments that stretch through the metal-oxide layer. The filaments, about 16 nm long, are created or annihilated depending on the direction of the applied voltage through the electrodes, making or breaking the switch connection.

"The presence of such filaments is the only explanation that makes any sense as to why our structures make such good switches," says Curt Richter of NIST's Semiconductor Electronics Division.

One key to the team's discovery was their use of the physics of "spin"a quantum property of electrons that has two possible values, either up or down. From the top electrode, the team sent a current made of electrons that had a polarized spin state, and they found that their spin state had not changed by the time the electrons reached the bottom.

"Only if a filament made of high-quality copper formed would the spins maintain their state," Richter says. "This finding was an end in itself, but it also suggests the layered structure could have applications in 'spintronics' where electron spin is used to carry and process information."

###

* H.-J. Jang, O.A. Kirillov, O.D. Jurchescu and C.A. Richter. Spin transport in memristive devices. Applied Physics Letters 100, 043510 (2012). DOI:10.1063/1.3679114, published online 26 January 2012.


[ Back to EurekAlert! ] [ | E-mail | Share Share ]

?


AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.


[ Back to EurekAlert! ] Public release date: 23-Feb-2012
[ | E-mail | Share Share ]

Contact: Chad Boutin
chad.boutin@nist.gov
301-975-4261
National Institute of Standards and Technology (NIST)

Sometimes knowing that a new technology works is not enough. You also must know why it works to get marketplace acceptance. New information from the National Institute of Standards and Technology (NIST)* about how layered switching devices for novel computer memory systems work, for example, may now allow these structures to come to market sooner, helping bring about faster, lower-powered computers.

Switches based on transition-metal oxides have great potential as memory devices that retain their information even when the power is turned off. One type is made by stacking four different materials: a layer of copper and one of a metal oxide sandwiched between two metal layers that act as electrodes. Such systems can act as an on/off switch when a voltage is applied between the electrodes, but just why they behave as they do is a matter of debate.

Types of nonvolatile memory already existthumb drives make use of itbut they do not yet perform well enough to function as the working memory of a computer's central processor. If metal oxides can be perfected for this use, they could enable computers that boot up in seconds and use far less energy.

To study the switching mechanism, the NIST research team built its own version, but with a twist: They used ferromagnetic metals for the electrodes instead of the nonmagnetic metals typically used. They found that when an electric field is applied between the ferromagnetic electrodes, it causes the formation of tiny copper filaments that stretch through the metal-oxide layer. The filaments, about 16 nm long, are created or annihilated depending on the direction of the applied voltage through the electrodes, making or breaking the switch connection.

"The presence of such filaments is the only explanation that makes any sense as to why our structures make such good switches," says Curt Richter of NIST's Semiconductor Electronics Division.

One key to the team's discovery was their use of the physics of "spin"a quantum property of electrons that has two possible values, either up or down. From the top electrode, the team sent a current made of electrons that had a polarized spin state, and they found that their spin state had not changed by the time the electrons reached the bottom.

"Only if a filament made of high-quality copper formed would the spins maintain their state," Richter says. "This finding was an end in itself, but it also suggests the layered structure could have applications in 'spintronics' where electron spin is used to carry and process information."

###

* H.-J. Jang, O.A. Kirillov, O.D. Jurchescu and C.A. Richter. Spin transport in memristive devices. Applied Physics Letters 100, 043510 (2012). DOI:10.1063/1.3679114, published online 26 January 2012.


[ Back to EurekAlert! ] [ | E-mail | Share Share ]

?


AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.


Source: http://www.eurekalert.org/pub_releases/2012-02/nios-nrs022312.php

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How You Can Properly Deal with Your 401k Rollover | MN Sir Project

Frequently, the particular words IRA rollover and 401(k) rollover are employed interchangeably because individuals use both words to describe the transition of cash coming from a 401k plan to an IRA when they either change companies or retire. The main reasons it?s preferred to move funds from your 401k program when separating from the company is for the wider selection of investments along with potentially better account growth and also greater control of your retirement funds. The typical 401k may provide 4 to 10 investment alternatives as opposed to your IRA which can be practically unlimited regarding your investment selections. In reality, a number of people still working for a business will try to transfer cash from their 401k to their IRA to take advantages of these advantages and in some cases that may be achievable.

How you handle the actual movement of your 401(k)-rollover is very important because the improper way will result in needless withholding taxes. Whenever moving money from the 401k to an IRA, you may either get the check from the 401k administrator and then take it to your new IRA custodian otherwise you can have your 401k administrator deliver the funds directly to the IRA account. The first choice is a terrible choice since the 401kmanager must withhold 20% from the balance if the check will be delivered to you. If your 401(k) rollover is completed directly between the 401k plan and your new IRA custodian, no withholding is required.

When transferring money on the 401k to an IRA rollover, it is occasionally beneficial to not rollover all property. Particularly, shares of your company that you?ve got within your 401k as you could get beneficial tax treatment if you take them out of your 401k and do not move them over. Specifically, much of the profit in those shares could be entitled to capital gains taxes. But if you rollover your stock to your IRA, the benefit will be gone permanently.

Often, the phrase IRA roll-overs is meant to describe the movement involving cash from one IRA account to a new one. Here yet again, you can either receive a check from one IRA account and carry it to the other or have the prior IRA custodian send your cash directly to your new custodian. The latter is a more effective method to handle an IRA rollover given it eliminates virtually any conditions that could cause unnecessary tax for you. As there is no withholding whenever you get dollars from an IRA bill, you will need to full the IRA rollover inside of 60 days or the distribution becomes taxable to you.

Realize that all money taken out of an IRA or 401k will not be eligible for rollover. One example is, when you turn age 70 1/2, you?re faced with obligatory distributions from either type of account. When getting these required withdrawals, they get included on your tax return and are then subject to tax. You may not carry out an IRA rollover of those funds because they are certainly not entitled.

Source: http://www.mnsirproject.us/mn-sir-project/496

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What's the Total Value of the World's Sunken Treasure?

When the last responders leave the sunken cruise liner Costa Concordia, the wreck's status may shift from grave site to treasure trove. Its passengers and interior decorators reportedly left behind a wealth of cash, jewels, antiques, and thousands of pieces of art. Souvenir hunters, looters, and even the mafia may have plans to dive the wreck for a piece of that fortune.

It's been a busy month for shipwreck headlines and shipwreck hunters. The team that announced the discovery of the Port Nicholson, a World War II?era British merchant ship found 50 miles off the coast of Maine, says it bore 71 tons of platinum ingots worth about $3 billion. Other shipwreck hunters turned up the HMS Victory, which sank in the English Channel in 1744 with a "secret" cargo of gold valued at $1 billion. And, in an episode that shows the high stakes of shipwreck salvaging, Spain is currently recovering the estimated $500 million haul of gold and silver from the Spanish galleon Nuestra Se?ora de las Mercedes that sank in 1804; an American company found the ship but lost court cases to Spain over the rights to the treasure.

All this undersea treasure hunting got us wondering: Just how much money is out there buried at sea? We put the question to marine archeologists, a historian, and a shipwreck hunter. Their answers ranged from "Who knows?" to "$60 billion"?and each was instructive.

How Many Shipwrecks are There?


An estimate of the value of sunken treasure in the world begins with a guess at the number of sunken ships. James Delgado, director of the Maritime Heritage Program at the National Oceanic and Atmospheric Administration (NOAA), estimates that there are a million shipwrecks underwater now.

"Given everything that's charted and all the rest, I would say that the majority of them remain undiscovered," Delgado says. After all, 70 percent of the planet's surface is water, and humans have only begun to be able to reach the depths. "[Considering] this, 95 percent of the ocean still remains unknown to us. It's the last frontier," Delgado says. "We know more about the surface of the moon than what's at the bottom of the sea."

Maritime historian Amy Mitchell-Cook at the University of West Florida says she doesn't think it's possible to make an estimate. "Even in Pensacola Bay, where I am, I don't think we have an accurate number of shipwrecks," she says. "There were Spanish, French, English, and Americans all in the area, as well as international trade. We know a lot of ships sank, but we don't have a complete set of records."

How Much Treasure is Down There?


The short answer, Sean Fisher says, is $60 billion. Fisher is a shipwreck hunter at Mel Fisher's Treasures in Key West (Sean is Mel's grandson), and he gives this figure based on his company's historical research. Fisher specializes in finding Spanish vessels that sank while toting gold, silver, and other loot from the Americas to Europe. And the Spaniards, Fisher says, kept records in triplicate, allowing modern-day shipwreck hunters to see the preserved ship manifests. Those manifests reveal an incredible amount of wealth crossing the ocean, and occasionally sinking into it.

"For about 300 years, the Spaniards came over here and stole all of the wealth of the Americas," Fisher says. "They would lose about 10 percent of that as the cost of doing business. Several wrecks out there by themselves are worth several billion dollars."

Source: http://www.popularmechanics.com/technology/engineering/gonzo/whats-the-total-value-of-the-worlds-sunken-treasure?src=rss

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