Jumat, 06 Juli 2012

Unlimited Data Sharing, Storage Just a Flash of Light Away

Unlimited Data Sharing, Storage Just a Flash of Light Away

For active galaxies classified as blazars, jets of particles traveling near the speed of light beam right toward Earth.

If two recent studies using some novel applications around the unique properties of light are any indication, we may be about to enter a brand-new era of data and communication. Limits on storage, data transfer, and information-sharing speed may simply vanish.

The first study in nature photonicsâ€"around the ability to encrypt data in "twisted light" that's sent across an open vacuum and then received at the other endâ€"set the technology world buzzing. Such twisted light research is beginning to show that data can be transmitted using photons generated in an infinite array of orbital angular momentum shapes.

But a more recent study in nature communicationâ€"on the ability to use a laser beam of light to control the spin of the electrons in an atom's nucleus, opening the possibility that data could be shared in a quantum state once the electron spin is essentially stabilizedâ€"was hardly noticed even though its applications could be truly revolutionary.

[How the Mighty Mississippi Saved Gulf Shores From BP Oil]

For the study, researchers from the City College of New York and the University of California-Berkeley developed a technique using laser light to pattern the alignment of spin within atoms so that the pattern can be rewritten on the flyâ€"in effect, creating the possibility of rewritable spintronic circuits.

Even though newly discovered techniques and technology double computing processing speed on a predictable basisâ€"which computer scientists refer to as "Moore's law"â€"we may be approaching the upper limits for computer processing speeds using existing digital technology and electronic circuits.

Because all current electronic devices (laptops, cellphones, etc.) use circuits with elaborate and ever-smaller patterns etched into them in order to translate electrical charges as zeros and ones in binary code, researchers have long predicted that we would eventually reach a limit for the amount of data transfers on such integrated circuits.

"Once the chip is printed, it can only be used one way," said one of the researchers, Berkeley chemical and bimolecular engineering professor Jeffrey Reimer. And that pattern is finite.

Quantum computing, on the other hand, would not have these sorts of upper limits. That's why the CCNY and Berkeley research is so intriguingâ€"it creates a possible path forward for actual quantum computing.

Previous quantum studies have already shown that data can be simultaneously transferred from one location to another using entangled electrons. But electrons spin and switch back and forth rapidly, randomly and unpredictably, making them rather unstable as systems to store or transmit data and information.

[Forget Darwin: DNA Research Could Soon Let Humans Play God]

The CCNY and Berkeley researchers solved this problem by using laser beams of light to stabilize the spins of the electrons. They illuminated a sample of gallium arsenide (the same semiconductor used in cellphone chips) with a laser light pattern and aligned the spins of all the atomic nuclei, including their electrons. This suppressed the random "back and forth" switching of the electrons, which would in turn form the basis of a future spintronic circuit.

"What you could have is a chip you can erase and rewrite on the fly with just the use of a light beam," said a second research co-author, CCNY physics professor Carlos Meniles. "If you can actually rewrite with a beam of light and alter this pattern, you can make the circuit morph to adapt to different requirements. Imagine what you can make a system like that do for you."

Meanwhile, the "twisted light" research, the result of a multinational team effort led by the University of Southern California, could have near-term implications. The research showed that a twisted light system could transmit data up to 2.56 terabits per second. To put this in perspective, broadband cable supports up to 30 megabits per second, making a twisted light system 85,000 times faster.

"You're able to do things with light that you can't do with electricity," said one of the lead researchers, USC engineering professor Alan Willner. "That's the beauty of light. It's a bunch of photons that can be manipulated in many different ways at very high speed."

The researchers studied the orbital angular momentum of photons, or the rotation of the photon around its direction of momentum. They then studied whether data could be stored and transmitted over the space of a meter in up to eight different permutations of photons traveling in a helical pattern.

Willner and research teams in China, Pakistan, Israel, and the United States used beam-twisting "phase holograms" to manipulate eight beams of light so that each one twisted into a different DNA-like helical shape in free space. Each of the eight had its own individual twist that could be encoded with zero and one data bit streams.

The simplest way to think of the USC twisted light research is to imagine a slinky. If you hold one end of the slinky and a second person pulls the slinky apart from the other end, that's one possible version of the way a photon travels. Now, take a step closer. That's a second possibility. As you move the slinky closer or farther apart, there are endless variations of such angular orbital momentum of the photonsâ€"all of which could be used to store and transmit data.

The researchers displayed the various twisted light options in their paperâ€"all of which could be transmitted simultaneously from one location to another without competing.

There are any number of roadblocks keeping this research from immediately translating into commercial use, not the least of which is that it generally works only in empty space. But the next steps in this research field will look at how such twisted light systems could, in fact, be adapted for use in fiber optics and ultimately in data transmission over the Internet and between open-air mobile devices.

These two recent studies perfectly illustrate why computer science researchers see limitless possibilities for the future of information systems. Albert Einstein may have proven that there's a speed limit for objectsâ€"the speed of lightâ€"but researchers are beginning to show that the ways in which we can manipulate light for other purposes may be endless.

That's No Baloney: Lobster Cheaper Than Deli Meat

That's No Baloney: Lobster Cheaper Than Deli Meat

Lobsters

An excess supply in Maine of smaller soft-shell lobsters has driven prices to under $4 a pound, the Associated Press reported this week.

Lobster was once synonymous with living large, but thanks to an abundance of the soft-shell version of the crustaceans in recent months, it's not just a meal for special occasions anymore.

An excess supply in Maine of smaller soft-shell lobsters has driven prices to under $4 a pound, the Associated Press reported this week, making the luscious sea creature cheaper than the per pound price of deli meat in some cases.

Now that's upgrading your usual boring baloney sandwich for lunch.

[See today's best photos.]

Soft-shell lobstersâ€"lobsters that have shed their hard shellsâ€"are easier to crack open and have less meat, so they typically fetch lower prices than their hard-shell brethren.

Still, the sheer volume of the soft-shell variety that has shown up weeks before the usual Independence Day kick-off of lobster season in Maine has tipped the scales of supply and demand further in favor of crustacean-craving consumers.

[Read: Economy Adds 80k Jobs, Unemployment Rate Holds at 8.2 Percent.]

It's a "perfect storm," Neal Workman, head of the Fisheries Exchange, told the AP.

At least for seafood-loving Americans. For lobstermen making as low as $2.50 per pound for their hauls? Not so much. Nevertheless, lobstermen hope the boom in sales now will move supply through the system and even things out in coming months.

Until then, forget the hotdogs and hamburgers for the summer cookout. Lobster might very well be cheaper.

Meg Handley is a business reporter for U.S. News World Report. You can reach her at mhandley@usnews.com and follow her on Twitter.

Survey: Singles Hunger for Dates With Foodies [CHART]

Survey: Singles Hunger for Dates With Foodies [CHART]

If you're single, it may be time to flip the channel from ESPN or E! to the Food Network: Your newfound food knowledge may keep you from ever again having to eat alone.

A new survey of singles, conducted by Match.com and TODAY.com, found that 70 percent of people appreciate dates who know their way around food and wine pairings, and 56 percent find it attractive when dates offer to share their food.

"Food, sex and courtship go hand in hand in nature," said Helen Fisher, chief scientific adviser to Match.com, in a press release. "Food also informs: what and how a partner eatsâ€"and if they shareâ€"says crucial things about their habits, health and empathy."

The more closed-minded people are about food, the more their chances of a second date dwindle: 66 percent of those surveyed said it's a turn-off if a date plays it safe with menu choices.

The survey also found a certain caveat to dating a carnivore: 30 percent of meat-eaters wouldn't date a vegetarian, with only 4 percent of vegetarians saying they would call it quits with a person more likely to enjoy meat.

"Of all the foods we share, there is nothing more primordial than meat," says Fisher. "It's no surprise that meat-eaters still want a partner who will give, receive and share this primordial symbol of a budding partnership."

However, if what's on your dinner plate comes between you and your date, you may find yourself once again ordering takeout for one. Thirty-nine percent of women surveyed said they would rather give up sex than their favorite food for a year.

To see the full results of the survey, visit Match.com's blog.

Greg Otto is the News Editor at U.S. News World Report. You can contact him at gotto@usnews.com or follow him on Twitter.

Pie image via Shutterstock

George Zimmerman Leaves Jail on $1M Bond

George Zimmerman Leaves Jail on $1M Bond

By MIKE SCHNEIDER, Associated Press

ORLANDO, Fla. (AP) â€" Neighborhood watch leader George Zimmerman was released from jail Friday for a second time while he awaits his second-degree murder trial for fatally shooting Trayvon Martin.

Zimmerman left the Seminole County Jail a day after Circuit Judge Kenneth Lester granted a $1 million bail with strict conditions. He wore a white shirt and dress jacket as he walked out.

The neighborhood watch leader is required to stay in Seminole County. He was allowed to leave Florida after his first release in April. He must be electronically monitored, can't open a bank account, obtain a passport or set foot on the grounds of the local airport. He has a 6 p.m. to 6 a.m. curfew.

"He's very happy to be out," Don West, one of Zimmerman's attorneys, told reporters outside the jail. "Certainly it's been a sobering experience spending the last month in jail in that kind of environment."

[READ: Zimmerman Bail Set at $1M in Trayvon Martin Case.]

Zimmerman had been released on a $150,000 bond in April, but the judge revoked it last month after prosecutors presented evidence that he and his wife misled the court about how much money they had available to pay for the bond. They didn't tell the judge that donations from a website for Zimmerman's legal defense had raised around $135,000 at the time of his first bond hearing.

Prosecutors argued Zimmerman and his wife talked in code during recorded jailhouse conversations about how to transfer the donations to different bank accounts. For example, George Zimmerman at one point asked how much money they had. She replied "$155." Prosecutors allege that was code for $155,000. Their reference to "Peter Pan" was code for the PayPal system through which the donations were made, prosecutors said.

Shellie Zimmerman faces arraignment at the end of the month on a perjury charge; she was freed on bond.

Zimmerman's attorneys said Thursday that there was $211,000 in an account, which included the amount raised from Zimmerman's website and also money generated from another website set up by his legal team. An additional $20,000 was raised in the day after Lester issued the $1 million bond order.

Zimmerman had to pay a bond company $100,000 but also needed $1 million in collateral to secure the bail, his legal team said.

West refused to comment on what was being used as collateral after Zimmerman left the jail.

"We worked that out," West said.

Shortly before Zimmerman's release, the Rev. Al Sharpton criticized Zimmerman for raising money through online donations. The civil rights leader was in New Orleans with Martin's parents, Tracy Martin and Sybrina Fulton.

"Now, we see they are soliciting money!" Sharpton said.

During Zimmerman's second bond hearing, his attorney, Mark O'Mara, said that his client was confused, fearful and experienced a moment of weakness when he and his wife misled the court.

The judge didn't buy it and expressed his unhappiness with Zimmerman and his wife in his second bond order. He accused Zimmerman of making plans to flee to avoid prosecution, misleading O'Mara by not disclosing the money from the website and trying to manipulate the judicial system.

"Under any definition, the defendant has flaunted the system," Lester wrote.

[REPORT: Zimmerman Didn't ID Himself as Watch Leader.]

But the judge said current law limited his ability to deny a second application for bond.

Zimmerman has pleaded not guilty to second-degree murder and claims the shooting was self-defense under the state's "stand your ground" law. Zimmerman and Martin got into a fight last February inside a gated community in Sanford, Fla. Zimmerman was the neighborhood watch leader for the community and Martin was visiting his father's fiance, who lived there.

Best Buy to Cut 2,400 Jobs in Turnaround Effort

Best Buy to Cut 2,400 Jobs in Turnaround Effort

Best Buy

Customers walk in and out of Best Buy in Danvers, Mass. Best Buy's interim CEO says the electronics seller is operating below its full potential but is committed to changing in fundamental ways.

NEW YORK (AP) â€" Electronics retailer Best Buy Co. is laying off 600 staffers in its Geek Squad technical support division and 1,800 other store workers as it seeks to restructure operations and improve results.

The cuts amount to about 1.4 percent of the company's total staff of 167,000.

Best Buy spokesman Bruce Hight says the layoffs are part of the company's "ongoing turnaround plan." In March, the company said it would implement a restructuring designed to trim $800 million in costs.

[PHOTOS: The 2012 U.S. Olympic Trials.]

Since then, interim CEO Mike Mikan, who is in the running for permanent CEO, has vowed there will be "no sacred cows" as the company reviews its business.

Shares ended the day down 15 cents at $21.59.

Copyright 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

The Best Investment for Senior Citizens

The Best Investment for Senior Citizens

To help provide for a fulfilling retirement, it is important to invest in the right things. When we first think about retirement investment decisions, 401(k)s , IRAs, pensions, and Social Security benefits come to mind. Each of these retirement benefits requires us to carefully analyze what is right for our situation based on our risk tolerance and desired rate of return. But as we focus on growing our nest eggs, many of us are missing an important area to invest.

With all of our attention focused on identifying the best investment vehicles, we may overlook one investment that plays an important role in our long-term security and happiness: Investing in you. Even if you accumulate more money than you could ever spend, you won’t have an enjoyable retirement without health and happiness. And this investment isn’t dependent on the vicissitudes of the economy. Here’s how to invest in your retirement happiness:

1. Understand what makes you happy and excited about living. Call it your passion or purpose in life, but find out what it is. Once you discover what inspires and drives you, you can focus your efforts accordingly. Chasing something you love is often personally satisfying because each step along the way is doing what you enjoy.

2. Continue to strive to be a better person. Personal struggles and resolutions don’t end in retirement. Figure out areas where there is still room for you to improve. Can you move beyond a grudge held too long and thereby brighten your outlook? Do you have skills or abilities that can be passed on to future generations? Identify problem areas and devise a plan to fix them.

3. Keep up with your check-ups. If you are to stay in top-performing shape, you need to invest time and effort in staying healthy. Regular visits to your physician, dentist, and eye doctor help to keep you in good running shape. Also, take advantage of modern advancements that can improve your quality of life. Don’t struggle for years to hear and understand what others are saying rather than get a hearing aid. Use technology to your advantage.

4. Set goals and work toward achieving them. It’s important to keep learning new things in retirement. Some people take formal classes at a specific time each day, while others learn better by reading or doing. It can help to set a goal and regularly evaluate your progress toward achieving your target.

5. Stay positive. When you look in the mirror, is there anything you see that you don’t like beyond maybe a few wrinkles? As a retiree, you have years and years ahead of you to enjoy life. Don’t let boredom or loneliness creep into your retirement years. Take some time to relax, and then find a hobby or activity that excites you.

Dave Bernard is not yet retired but has begun his due diligence to plan for a fulfilling retirement. With a focus on the non-financial aspects of retiring, he shares his discoveries and insights on his blog Retirementâ€"Only the Beginning.

Conservative Group Crossroads GPS Launches $25 Million Ad Blitz

Conservative Group Crossroads GPS Launches $25 Million Ad Blitz

Crossroads GPS, the conservative political action committee, is running another big TV ad campaign against President Barack Obama, serving notice that it will remain a potent force in the 2012 presidential contest.

Crossroads announced a new $25 million ad buy for a TV spot called "Excuses." It will run from July 10 through early August in the key battleground states of Colorado, Florida, Iowa, North Carolina, Michigan, Nevada, Ohio and Virginia, said Crossroads GPS President Steven Law in an E-mail to reporters Friday. The announcement came less than two hours after the government released a disappointing jobs report that found unemployment remaining at 8.2 percent.

[Advisers: Neither Presidential Candidate Likely to Take Big Risks]

"We're suffering through one of the weakest economic recoveries in our history and the only thing President Obama is offering is slogans and excuses," said Law. "People are hungering for practical solutions to our skyrocketing debt and flat-lined economy, and that's what we are putting forward in our 'New Majority Agenda.'"

Law added that the unemployment situation is worse than the 8.2 figure indicates. "If the labor participation rate were the same as when President Obama took office, the unemployment rate would be a staggering 10.9 percent," Law said. "Hundreds of thousands of workers have stopped looking for work during the recovery, making the unemployment rate appear artificially low."

Crossroads is one of several Super PACs that are very active in the current political cycle. But Crossroads has the kind of fundraising prowess that few other political organizations can match, and it is directing a large portion of its resources into defeating Obama in November.

Ken Walsh covers the White House and politics for U.S. News. He writes the daily blog, "Ken Walsh's Washington," and is the author of "The Presidency" column in the U.S. News Weekly. He can be reached at kwalsh@usnews.com and on Facebook and Twitter.

4 Recommendation-Letter Errors MBA Applicants Should Avoid

4 Recommendation-Letter Errors MBA Applicants Should Avoid

MBA, applicant, recommendations, admissions

Many MBA applicants have a ‘blind spot’ when it comes to recommendations, admissions experts say.

For prospective business students, letters of recommendation are the part of the MBA application process over which applicants have the least control. But that doesn't mean that there aren't significant steps that business school applicants can take to influence the impact of their references, business school admissions experts say.

"I think recommendations are the most skewed; applicants have the largest blind spot for that," says Scott Shrum, director of admissions research at the consultancy Veritas Prep (which writes a medical school admissions blog for U.S. News).

Since applicants don't get to see the recommendations that are submitted on their behalf, it's a matter of "out of sight, out of mind," Shrum says. After spending months preparing for the GMAT and weeks writing their essays, MBA applicants tend to send recommendation forms to their references and then confirm that the forms have been submitted, he says. But otherwise, the recommendations are a "black hole."

"Since they have so little control over these, [applicants] spend too little time planning them out, and the results are often lackluster recommendations," Shrum says. "With a little more preplanning with the recommenders, applicants can avoid this problem."

[Read about how prospective MBAs may face tougher applications.]

That's consistent with what Kyle Judah experienced when he applied to business school, says the second-year MBA student at Babson College's Olin Graduate School of Business.

"I don't even know what was said in the letters of recommendation sent on my behalf," says Judah, the chief executive officer of RecoVend, a Providence, R.I.-based educational technology company. "When you take such pains to carefully craft essays, study for hours on end, and conduct your own research of and outreach to the MBA programs, it can definitely be scary to put your faith in someone else's hands."

When Judah assembled his application, what he calls "the portfolio of me," he shared his essays and information about the programs with his references. "They could see what I was choosing to write about, and hopefully have their letters match the tone and message," he says.

[Check out the do's and don'ts of applying to business school.]

The best thing applicants can do is plan ahead with their recommenders, agrees Shrum of Veritas Prep, who advises applicants to provide references with specific stories that illustrate their strengths. That way recommenders can tell admissions officials about how the applicant weathered a professional storm, rather than just calling him or her a "great leader."

"These specifics matter a lot to admissions officers, who have to choose among thousands of very similar-sounding applicants," Shrum says.

Paul Bodine, who runs Paul Bodine Admissions Consulting in San Diego, has observed four common misconceptions when it comes to MBA recommendations and offers tips to avoid them:

1. Titles won't dazzle: Applicants sometimes erroneously assume that a reference's job title or b-school affiliation is more important than his or her connection to the applicant and ability to advocate on the applicant's behalf, says Bodine, who is author of Great Applications for Business School. "Schools are sincere when they say they want letters from people who have directly supervised the applicant over time," he says.

[Read seven tips for MBA applicants on the waiting list.]

Why ‘Low Rate’ Credit Cards Are a Rip-off

Why ‘Low Rate’ Credit Cards Are a Rip-off

Credit card interest rates are on the rise. Notwithstanding credit card legislation that promised to protect consumers, surveys of popular credit card offers show that rates have been inching up. In a recent report, the average credit card interest rate topped 14 percent.

As rates rise, many have sung the praises of what are called “low rate credit cards.” Although there is no official definition, low rate cards generally comprise those cards that offer rates significantly below the average rate. In today’s rate environment, that would mean cards that charge interest of less than about 10 percent.

These low rate cards are often marketed to consumers who carry a balance from month to month. Some of these cards even offer a fixed interest rate, rather than interest that fluctuates with market rates. While these offers may seem like a good deal at first blush, there are several reasons why you may want to think twice before applying for one.

Do you have good credit?

The first hurdle to recognize is the credit required to qualify for a low rate card. Because the rates are low, issuers of these cards look for low risk consumers. If you don’t have really good credit (think credit score north of 700), it’s unlikely that you’ll qualify for a card offering interest of less than 10 percent.

Some of these offers are also very difficult to apply for. In some cases you have to send in proof of income before your application will be considered. As a result, it can take longer to get approved for these cards. In contrast, many cards offer online approval in less than 60 seconds.

No interest beats low interest

Even if you can qualify for a low rate card, it might not be your best option. For those carrying a credit card balance, there are a number of credit cards offering zero percent balance transfers. While balance transfer cards typically come with a fee equal to three percent of the amount transferred, this fee is significantly lower than the interest on low rate cards.

These zero interest offers aren’t limited to balance transfers. Many of these cards also offer no interest on purchases for up to 18 months. So even if transferring a balance is not what you need, these no interest offers still beat the low rate cards.

Show me the money

Finally, most low rate cards offer very little in the way of cash back or other rewards. The low rates don’t provide sufficient revenue for the card issuer to warrant paying rich rewards. In many cases, these cards offer no additional rewards at all.

In contrast, some of the best reward credit cards offer relatively low rates, 0 percent introductory rates on balance transfers and purchases, and cash back or other rewards. While the interest rates aren’t the lowest, the other features of the card more than make up for it.

So as you search for credit card offers that meet your financial needs, keep in mind that the lowest rate offers are unlikely to be the best.

DR is the founder of the popular personal finance blog The Dough Roller, and the credit card review site Credit Card Offers IQ.

Health Buzz: Mystery Illness Killing Cambodian Children

Health Buzz: Mystery Illness Killing Cambodian Children

Mystery Disease Claiming Lives in Cambodia

Health workers are trying to identify a mysterious disease that's killed 61 children in Cambodia over the past three months. It's unclear whether the condition is a mixture of known diseases or something new, the World Health Organization and Cambodian Ministry of Health said in a joint statement Wednesday. Infected kids suffer from a high fever, severe respiratory problems, and in some cases, neurological symptoms. The illness appears to be striking children under 7 years old. Victims come from more than half the country's provinces, WHO officials said. A review of 57 cases found that 46 of the children died within 24 hours of hospital admission, while the others died within three days. Most of the cases come from the southern part of the country, but there haven't been signs of clustering. "The cause of the disease may not be new, but the scale at which it is occurring has not been observed in recent years," WHO officials told the Wall Street Journal. "Possible causes of the disease are being considered but definite identification may take some time."

Why Try Interval Training Workouts? Quick Results

If you're looking to rev up your fitness routine, interval training may be your ticket. You can get more out of that spin class, run workout, or lap swim by alternating short bouts of high-intensity exercise (yes, you have to work hard!) followed by a few minutes or seconds of rest. By doing this, you stress out your cardiovascular system and build up lactic acid in the musclesâ€"which boosts body fuel, strength, and staminaâ€"while then letting yourself recover and prepare for the next tough interval.

The trend toward interval exercise to gain cardiovascular benefits isn't new for seasoned athletes, but the technique is gaining popularity among general fitness buffs looking for big gains in a short amount of time. And for good reason. 

Evidence shows that with high-intensity interval training, participants can increase their maximum aerobic capacityâ€"how well their body uses oxygen for energy at their greatest heart rateâ€"higher than those who participate in a continuous exercise program, such as going for more than a 20-minute run, bike, or swim at a steady, moderate pace. The more oxygen your body can convert to energy, the stronger and faster you become. As your body adapts to the stress of interval training, your fitness level improves along with your muscle function. 

But before taking your routine up a notch and risking injury, it's crucial to build a base fitness level first, notes Ed Coyle, director of the Human Performance Laboratory at the University of Texas at Austin. For healthy people, this means typically doing 40 minutes of exercise three to four times a week for eight weeks, gradually working up to a higher heart rate level (220 minus your age is the predicted maximum heart rate, beats per minute). [Read more: Why Try Interval Training Workouts? Quick Results] 

Bikes for Aspiring Cyclists 

Learning to ride a bike is a childhood milestone. And there's good reason to stick with two wheels as we grow up. For one thing, it makes financial sense: With $4-a-gallon gas in some cities, commuting by bike is a cheaper option. Every type of bike is available at different price points, making it affordable for most riders. Prices range from $200 into the thousands, with average costs hovering around $500. 

Biking is as good for your body as it is your wallet: In a study published in 2010 in the Archives of Internal Medicine, for example, researchers found that women who biked for as few as five minutes a day gained less weight than those who didn't ride. Other studies suggest that cyclists live about two years longer than non-bikers, and take 15 percent fewer sick days. And overall, research indicates that biking is good for the heart and helps stave off obesity, arthritis, and depression. (Expect to burn about 500 calories per hour, depending on how much you weigh, when moving at a moderate clip.) "The biggest thing is the fun factor," says cycling enthusiast Selene Yeager, author of Ride Your Way Lean: The Ultimate Plan for Burning Fat and Getting Fit on a Bike. "It's one of the closest feelings you can get to flyingâ€"it brings back the memory of your youth, it's a beautiful way to see places, and it's a relaxing form of exercise." 

Once you decide to ride, the next step is weighing different types of bikes against each other and selecting the best fit. Choices include: 

Road bikes. These light-weight bikes have skinny tires and drop handlebars that offer multiple options for hand position. They're ideal for riding long distances on paved or graded surfaces. They're built for speed, too, Yeager says. (Road bikes are used in the Tour de France race, for example.) [Read more: Bikes for Aspiring Cyclists] 

Angela Haupt is a health reporter for U.S. News World Report. You can follow her on Twitter or reach her at ahaupt@usnews.com. 

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Health Tip: Flavor Food Without the Fat

Health Tip: Flavor Food Without the Fat

(HealthDay News) -- You don't need to add fat to get plenty of flavor from your favorite dishes.

[READ: Safe Weight-Loss Tips for Wedding Season.]

The Academy of Nutrition and Dietetics offers these suggestions to spice up your food without piling on the calories:

  • Use techniques that employ high heat for more intense flavor, such as broiling, grilling or pan-searing.
  • Use fresh herbs and seasonings, such as cumin, cilantro, basil, caraway, chives, rosemary, ginger or garlic.
  • Add a sprinkle of a sharp cheese to your favorite vegetable, rice or pasta.
  • Add dried ingredients, such as sundried tomatoes, dried plums, cranberries, figs, apricots or red pepper flakes.
  • Use brightly colored peppers to add flavor, and a splash of hot sauce or jalapenos.
  • Add a squirt of citrus juice or grated peel from lemons, limes or oranges.

Copyright © 2012 HealthDay. All rights reserved.

Clinton Hails Defection of Syria Military Official

Clinton Hails Defection of Syria Military Official

Hillary Clinton testifies during her confirmation hearing as nominee to be Secretary of State.

Hillary Clinton testifies during her confirmation hearing as nominee to be Secretary of State.

By BRADLEY KLAPPER, Associated Press

PARIS (AP) â€" Secretary of State Hillary Rodham Clinton is hailing the defection of top military officials in President Bashar Assad's inner circle as the United States and its international allies seek global sanctions against his regime.

Western officials reported top Assad aide Brig. Gen. Manaf Tlass's defection Friday.

[READ: Next Secretary of State Unlikely to Match Hillary Clinton's Celebrity Status.]

Clinton referred only to reports of Tlass' departure but cited an "increasing stream of senior military defectors."

She tells reporters that "regime insiders and the military establishment are starting to vote with their feet."

She says this shows that "those with the closest knowledge of Assad's actions and crimes are moving away. We think that's a very promising development. It also raises questions for those remaining in Damascus, who are still supporting this regime."

Copyright 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Federer Reaches Record 8th Wimbledon Final

Federer Reaches Record 8th Wimbledon Final

Wimbledon

Switzerland's Roger Federer plays a volley during his second round men's singles match against Italy's Fabio Fognini on day three of the 2012 Wimbledon Championships tennis tournament.

By CHRIS LEHOURITES, Associated Press

WIMBLEDON, England (AP) â€" Roger Federer advanced to his record eighth Wimbledon final on Friday, beating defending champion Novak Djokovic in four sets.

The six-time champion defeated Djokovic 6-3, 3-6, 6-4, 6-3 under a closed roof on Centre Court and is one victory from equaling two other records in an already record-laden career.

"This is what you want to be playing for â€" the Wimbledon trophy," Federer said. "I've got a tough task ahead of me."

[PHOTOS: The 2012 U.S. Olympic Trials.]

If Federer beats either Andy Murray or Jo-Wilfried Tsonga in Sunday's final, he will equal Pete Sampras' record of seven Wimbledon titles, a mark he shares with 1880s player William Renshaw. He would also take over the No. 1 ranking from Djokovic and equal Sampras' record of 286 weeks as the top-ranked player.

Murray and Tsonga were to play in the other semifinal later Friday. Neither has won a Grand Slam title; Federer is aiming for his 17th.

"There's obviously a lot on the line for me in terms of winning here, the all-time Grand Slam record, world No. 1," Federer said. "I'm also going into that match with some pressure, but I'm excited about it. That's what I play for."

Both Federer and Djokovic went for winners on almost every point. But it was Federer who got the key points when they mattered in the third set.

"I was able to play some fantastic tennis today," Federer said. "The first two sets went really quickly, and then the third set was obviously key to the match. I was able to maybe step it up, get a bit lucky maybe."

At 4-4, Djokovic had his chance with only his third break point of the match. Federer held with three service winners.

Moments later, while serving to stay in the set â€" and, essentially, the matchâ€" Djokovic gifted Federer a pair of break points by blasting an overhead long with much of the court open. He saved one, but Federer's overhead smash on the second gave the Swiss great the third set, and put him on the way to Wimbledon final No. 8.

The win improved Federer's semifinal record at the All England Club to 8-0. His only loss in the final came in 2008, when Rafael Nadal beat him 9-7 in the fifth set.

[PHOTOS: Wimbledon 2012.]

Federer earned the only break of the first set to take the lead, and Djokovic returned the favor in the second set to even the score.

The third set turned out to be the decisive one, and Djokovic fought to stay in it right from the start.

After holding easily, Federer earned a break point when Djokovic sent a forehand long. Although the top-ranked Serb saved it, and eventually held to 1-1, it was the beginning of the end.

The next three games went quickly and on serve, but Federer then earned a pair of break points in the sixth game. Djokovic again saved them, the first after a 24-stroke rally that ended with Federer's forehand going wide.

Copyright 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Moderating Weather Helps Western Fire Crews

Moderating Weather Helps Western Fire Crews

The Fontenelle Fire burns in the Bridger-Teton National Forest, Wyo.

The Fontenelle Fire burns in the Bridger-Teton National Forest, Wyo.

By MEAD GRUVER, Associated Press

CHEYENNE, Wyo. (AP) â€" Firefighters around the West took advantage of improved weather to make inroads against wildfires that have destroyed homes, forces residents to evacuate and burned hundreds of thousands of acres of timber and brush.

But a new blaze near Redding, Calif., was causing problems early Friday, just hours after it was spotted and quickly grew to 1,200 acres, or about 2 square miles. Authorities say the fire is threatening dozens of homes and has forced evacuations.

[PHOTOS: Erratic Western Wildfires.]

In Colorado, crews expect to fully contain the state's most destructive wildfire Friday. Colorado Springs officials have lifted evacuation orders for 126 more homes at the 28-square-mile Waldo Canyon fire, which damaged or destroyed nearly 350 homes and killed two people.

Coroner's officials identified the victims as 74-year-old William Everett and his wife, Barbara, 73. Authorities also announced that they know where the fire started but did not disclose the location. The cause was under investigation.

The Denver Post (http://bit.ly/RqTtsM) reported that dispatch recordings show the fire appears to have started near a popular hiking trail west of Colorado Springs.

In Wyoming and Montana Thursday, firefighters took advantage of a lull in searing heat and shifting winds to attack wildfires.

Temperatures in the mid-80s, higher humidity and calm winds aided crews battling the 95-square-mile Oil Creek fire just northwest of Newcastle, a town of about 3,500 near northeast Wyoming's Black Hills. About 25 families were evacuated from Newcastle's outskirts. The fire was 40 percent contained.

In southeast Wyoming, heavy air power, including four large air tankers, helped increase containment of the 16-square-mile Squirrel Creek fire to 51 percent. The tankers included two military C130s from a fleet that was reduced to seven Monday when one crashed in South Dakota's Black Hills.

"We really knocked it for a change, instead of us getting whacked," said Larry Helmerick, spokesman at the fire. Authorities planned to allow more people to return to dozens of evacuated summer cabins near the Colorado line in Medicine Bow National Forest.

Firefighters also reported progress on a 145-square-mile fire surrounding Laramie Peak, about 100 miles northwest of Cheyenne.

In southeastern Montana, more than 1,300 personnel took advantage of calm winds and temperatures in the 80s to make headway on five blazes that officials are now managing as one 480-square-mile wildfire complex so they can quickly deploy resources among the blazes.

"Slow and steady. We want the lines to hold," fire information officer Dixie Dies said.

High winds and triple-digit temperatures in central and southeastern Montana fanned the blazes earlier this week.

[PHOTOS: The 2012 U.S. Olympic Trials.]

The 390-square-mile Ash Creek fire was about 70 percent contained. Some ranches and homes near Ashland remained threatened, and Highway 212 between Ashland and Broadus was still closed.

At the 72-square-mile Taylor Creek fire near Ft. Howes, managers worked to connect fire lines dug by local residents. The complex also included the Powerline fire, about 30 miles from Hysham. Firefighters contained a late Wednesday run of 400 acres on that blaze.

In Utah, rain and cooler temperatures helped crews hold fire lines on the 8,200-acre Shingle fire about 30 miles southeast of Cedar City. The fire threatened 550 cabins and summer homes in Dixie National Forest.

Up to a quarter-inch of rain fell on Utah's largest wildfire, the 160-square-mile Clay Springs fire east of Delta. The blaze was 64 percent contained.

The National Weather Service said moderate temperatures were expected in Colorado and Wyoming through the weekend but warned that hot and dry weather was expected to return to Montana.

Black Pastors Reject Obama Over Gay Marriage Support

Black Pastors Reject Obama Over Gay Marriage Support

Rev. William Owens, president and founder of CAAP, speaks at a press conference.

Rev. William Owens, president and founder of CAAP, speaks at a press conference.

The Coalition of African-American Pastors (CAAP) has an almighty bone to pick with President Barack Obama.

The Tenneesee-based clergy group is calling on black pastors from around the country to join them in rejecting the president for his stance on same-sex marriage.

"We were once proud of President Obama, but our pride has turned to shame," Rev. William Owens, president of CAAP, said in a press release E-mailed to Whispers. "The man holding the most powerful position in the world is stooping to lead the country down an immoral path."

CAAP, which has more than 1,300 members and believes in "traditional family values," has asked for a meeting with the president to try to change his mind, but the White House has yet to acknowledge the request. In May, Rev. Owens issued a statement that castigated Obama for comparing the gay rights movement to the African-American civil rights movement.

"The hijacking of the civil rights movement by homosexuals, bisexuals and gender-confused people is unacceptable. There is no legitimate comparison between skin color and sexual behavior," he said.

The CAAP has also launched a petition calling for a return to traditional marriage at 100000signatures4marriage.com. The group says more than 4,000 signatures have been received.

According to recent polls, black Americans are split on same-sex marriage. A Pew Research Center poll found that 37 percent of Black Americans support same-sex marriage, compared to 47 percent of whites.

Elizabeth Flock is a staff writer for U.S. News World Report. You can contact her at eflock@usnews.com or follow her on Twitter and Facebook.

Preparing for a Bond Bubble: 6 Investing Tips

Preparing for a Bond Bubble: 6 Investing Tips

David B. Armstrong

David B. Armstrong

The news is rife with analysis about interest rates, inflation, and the dollar, leading many to speculate that the next impending bubble to burst will be in the bond market. Looking at the flow of money over the past 18 to 24 months, it seems that investors have been loading the boat with bonds at the expense of equity. That has me nervous.

There are several things that people should be considering right now as long-term investors. Here are some suggestions:

Jettison your myopic view of fixed income. Bonds are a component of fixed income, but an allocation to fixed income does not necessarily mean that 100 percent is in bonds. Fixed income is exactly thatâ€"an asset that provides a fixed income. While it's a little bit untraditional, look for income in unconventional places such as high-quality, dividend-paying stocks, REITs, and even some alternative structured products.

Consider selling bonds in your portfolio that you won't hold to maturity. Most investors have an allocation to fixed income as part of their overall asset allocation strategyâ€"and hopefully as part of a complete and comprehensive financial plan.

Buying or holding any bond in your portfolio at this point should be a complete commitment to hold it until it matures.

A vintage financial bond.

Otherwise, look out below.

Consider firing your active bond manager. Managers who "manage" bonds are usually appropriate when they can manage a portfolio of bonds for total return as interest rates decline (and bonds increase in value). With interest rates as low as they are, what's left to manage (and pay for) when they start to increase? Not much.

Lose your fear of equities. A 10-year treasury bond purchased now will have an annual yield of about 1.67 percentâ€"and will not grow your principal for the next 10 years!

There are good companies out there that have solid businesses, solid balance sheets, and great products and have dividend yields north of 3 percent.

You should consider owning equity in them.

Potentially for the next 10 years!

Tune out the 24-hour financial news cycle. Quit watching the TV and all the hype. Things may not be great right now or even for the next 6 months (or even a year). But great investors look past the short term. Turn it off. TV stations sell advertising, not advice. Don't forget that.

If you have a complete and comprehensive financial plan, we believe there is nothing going on today that warrants your immediate attentionâ€"or the attention of your adviser.

The only thing that warrants immediate adjustment to any financial plan is an unexpected change to cash flow assumptions within the plan.

In other words, unless you have lost your job, there is nothing going on today that requires immediate action.

Period.

Unless you are a day trader.

Finally, dump the bad attitude. Unless Americans have lost their passion, inspiration, or their will to innovate, the economy will one day be back on its feet.

David B. Armstrong, CFA, is a managing director and cofounder of Monument Wealth Management, a full-service wealth management firm in Alexandria, Va. Monument Wealth Management is backed by LPL Financial, an independent broker-dealer and Registered Investment Advisor. David has been named one of America's Top 100 Financial Advisors for two straight years by Registered Rep Magazine (2009 and 2010, based on assets under management) and has been interviewed by several national media sources over the past several years. Follow David and Monument Wealth Management on their blog Off The Wall, on Twitter at @MonumentWealth and @DavidBArmstrong, and on their Facebook page. Securities and financial planning offered through LPL Financial, Member FINRA/SIPC.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendation for any individual. All performance references are historical and are not a guarantee of future results.

How to Get the Most Out of Your Frequent Flyer Miles

How to Get the Most Out of Your Frequent Flyer Miles

You've done the hard part: You've racked up thousands of frequent flyer miles through trips, airline malls, and your airline miles credit card. Now you've got to figure out the best way to use your miles.

If you're not planning a trip in the near future, you need to make sure to retain the miles you've earned. "Keeping them current is hardly an effort," says Joe Brancatelli, publisher of the travel website JoeSentMe.com. Brancatelli says most airlines require some type of activity in 12 to 18 months, depending on the airline. (Delta miles don't expire, for example, and Air Canada miles expire after seven years, regardless of activity on the account.)

[See 10 Ways to Avoid Airline Fees]

Activity doesn't mean you have to redeem miles, however. For example, you could make a purchase with your airline miles credit card or shop at the one of the airlines' online malls.

Shopping at online airline malls not only prevents your miles from expiring, it can also earn you bonus miles. For example, some airlines will give you six, seven, or even eight miles per dollar when you make purchases online from stores like Best Buy, Crate Barrel, and Gap through the airline's online mall, says George Hobica, founder of Airfarewatchdog.com. "Anyone who buys anything online and is not going through the airlines' shopping malls is throwing away easy points," Hobica says.

Keep in mind that you'll likely have to pay fees when you cash in your frequent flyer miles. "There's no such thing as an absolutely free ticket anymore," Brancatelli says. Airlines require you to pay taxes for your flight, which could range from $5 to $50 domestically and up to $600 internationally, and many also impose a fuel surcharge. On a British Airways flight from Washington to London, Brancatelli says the fuel surcharge alone could be from $300 to $400.

[See 11 Easy Ways to Slash Travel Costs.]

Those kinds of fees can't be avoided, but if you plan your trip far in advance, you can avoid late-booking fees. A number of airlines charge a fee for "close purchases," which is typically within 21 days of the flight, Brancatelli says. Booking your trip a month in advance will help you avoid that extra fee.

It's best to redeem your miles through the airline's mileage program website rather than over the phone, because most airlines will charge a fee if an operator assists you. For example, AirTran charges $15 for booking a flight through its call center. "Like with any ticket you now buy, there is an additional fee for the call center," Brancatelli says. The tradeoff? The call center might be able to find you a seat that's not available online. "No airline website is totally comprehensive," says Brancatelli. For more complicated purchases, such as trips with multiple stops, the call center may be worth the fee.

Save your frequent flyer miles for high-value, international, first-class travel. "Personally, I wouldn't spend 25,000 miles on a domestic round-trip ticket that cost under $300," Hobica says. "You have to try to get as much dollar value per mile as possible."

A good rule of thumb: Never redeem your miles when you'd get less than a penny a mile, Brancatelli advises. "The average customer should aim for two cents a mile," he says. "Getting three or four cents per mile is tough, but if you can get it then you're really getting a lot for your miles."

[See When to Change Investing Strategies.]

If you don't have enough miles to make a purchase, you can buy more miles from the airline. Doing this can be expensive, but the airlines frequently have bonus offers. US Airways, for example, often will give you 100 percent bonus when you buy miles, so if you buy 50,000 miles, they'll give you another 50,000 miles for free.

But snagging the seat you want might be difficult because now there's more competition than ever. "You're not only competing with frequent flyers, you're also competing with frequent credit card users who are getting their miles that way," says Brancatelli.

To help you better navigate the large number of frequent flyer programs out there, U.S. News asked Hobica for recommendations on his favorite frequent flyer programs:

• "I like the membership rewards program from American Express because you can assign your points to many different airlines. It's not really a specific airline program."

• "Another favorite is the British Airways Avios program because up to 4 'household' members can pool their points into one account, thus earning rewards that much faster. There's no fee to pool the points."

How to Avoid a “Hard Pull” of Your Credit Report and Still Borrow Money

How to Avoid a “Hard Pull” of Your Credit Report and Still Borrow Money

Establishing a solid credit profile is something of an art. A plethora of factors go into determining a borrower’s credit score. And savvy consumers know there are ways to manipulate those factors.

One such factor is the frequency of hard inquiries, or “pulls,” on your credit report.

Hard pulls are common when you apply for a loan or line of credit. Since they indicate that you are trying to borrow money, multiple hard pulls in a short period of time may indicate that you’re desperate for a loan.

Thus, too many hard pulls result in lower credit scores.

That’s not a big problem for most folks for the simple reason that most of us don’t apply for multiple loans at the same time. However, many of us know that increasing the limits on our credit cards is a simple way to boost our credit score before we seek a larger loan.

The trick is to get that increase without generating a hard pull.

How to get an increase

Before the recession, card issuers made it relatively simple to increase credit lines. Just log into your online account and there was an option for an instant increase to your credit limitâ€"oftentimes, it didn’t cause a hard pull.

But in today’s more cautious banking environment, requesting a credit-line increase online may generate a hard pull on your credit reports.

So pick up the phone.

When you get customer service on the line, tell them that you are looking for a credit line increase, but stipulate that the request is contingent on there not being a hard pull on your credit report. You have the option to decline an account review if there will be a hard pull.

Or try a secured credit card

For those who have poor or no credit histories, hard pulls can have a big effect on credit profiles. There’s just not enough “good” stuff in the report to outweigh the hard pull. And folks with limited credit history are also more likely to be declined for most loans and lines of credit.

Secured credit cards are one way to help rebuild or establish credit because some do not check your credit reports and, therefore, do not result in hard pulls. Instead, secured credit cards require card members to deposit cash in a bank account to hold as collateral. The credit limit is equivalent to the amount of the deposits.

But shop around and read the fine print. Not all secured cards can be used to improve your credit score. Get the wrong card and you won’t do a thing to boost your score.

In addition, be aware that many secured credit cards carry annual feesâ€"to account for the increased risk in lending to borrowers with bad or little credit backgrounds.

Consider an alternative credit report

In the past few years, more companies have created alternative ways to gauge consumer credit risk without resorting to traditional credit reporting methods. They use other metricsâ€"such as rental payments, monthly bills, and public recordsâ€"to determine whether you are worthy of loans.

CoreLogic, eCredable, Payment Reporting Build Credit (PRBC), and Experian’s RentBureau are examples of new initiatives to prove creditworthiness. None of them delve into consumers’ traditional credit reports.

Under the Fair Credit Reporting Act, lenders are required to consider data that can be used to judge an applicant’s credit risk. Lenders are still able to deny a loan application if a person does not meet their lending criteria. But it doesn’t hurt to try.

Hard pulls not entirely bad

In the worst-case scenario, you may have to accept a hard pull to get a loan or credit-line increase. But don’t panic.

The credit score drop from the pull is temporary. If you qualify for the loan, the boost in your available credit can help improve your score above and beyond what it was before the hard pull.

Simon Zhen is a columnist and a staff writer for MyBankTracker.com. His columns cover all aspects of personal financeâ€"with a particular emphasis on bank rates, products, and services.

Financial Safeguards Needed as Senior Divorces Soar

Financial Safeguards Needed as Senior Divorces Soar

Sad to report, but divorces among older Americans are surging. That's saying something in a country that is already the world leader in divorces. And with baby boomersâ€"already no strangers to divorceâ€"entering middle age at a fast clip, the divorce trend may well become even more pronounced.

[See U.S. News' Top-Rated Mutual Funds and ETFs.]

In their own recent research that included a review of earlier work, Susan L. Brown and I-Fen Lin at Bowling Green State University's National Center for Family Marriage Research Center found that the divorce rate among Americans at least 50 years old had doubled between 1990 and 2009. The doubling trend held up among those over age 65 as well as among younger boomers, although the numbers of divorces is higher among the younger group.

People already divorced at least once and remarried are two-and-a-half times more likely to divorce again than first-time marrieds. Half of all divorces for people aged at least 50 involved remarriages, the researchers said, and they thus predicted the trend would accelerate.

Their paper did not attempt to find causes for the increase. It cited earlier research that found several related underlying trends: more older people, the cumulative impact of more divorces, greater social acceptance of divorce, rising female equality and financial independence, and baby boomers' convictions that it was proper to pursue more satisfying lives even if it meant leaving a partner.

Regardless of the causes of the increase in later-life breakups, financial advisers interviewed by U.S. News say they are seeing the trend among their clients. Linda Stirling, a financial adviser with RBC Wealth Management in La Jolla, Calif., went through a divorce herself earlier in life. "Having been through it, it's always something that's been on my mind," she says.

Jeffrey Sullivan, an adviser in Westchester County, N.Y., and partner with HighTower Advisors, says, "I've certainly experienced [growing divorce rates] in my practice ... Somehow, with baby boomers reaching a certain age and the kids being out of the house, it has seemed to spike."

[See Retirement Planning: Couples' Edition.]

Stirling says her advice to clients breaks down into three general areas: 1) Take steps to protect yourself financially; 2) Act with your head, not your heart; and 3) Be practical. Sullivan provided similar advice, including reviewing the types of asset distribution and other challenges faced by wealthier clients. Here's what they recommended:

Everything can change. Single life can be expensive. For most people, living expenses in their new household may be much higher than simply half the expenses of their marital household. You will need lots of new legal documentsâ€"wills, living directives, insurance policies, and the like. You also may need new sets of professional relationshipsâ€"lawyer, accountant, insurance agent, and a host of less weighty but still important household vendors.

Get help. Make sure you have expert advice from someone who has your best interests in mind, has experience in divorce finance, and can be logical where you're emotional. "For someone in their 60s," Stirling notes, "generally speaking, there are some substantial assets there to be considered." Sullivan says using a mediation firm rather than two sets of attorneys can be much faster and cheaper, and may be a good strategy for relatively amicable divorces. Getting inside a courtroom should be the last resort. "You really don't want a stranger like a judge to be deciding who gets what," he says.

Obtain and copy all documents. "The parties need to thoroughly examine all financial statements, make copies, and get those copies outside the house" in a safe storage location, Stirling says. "Credit reports are extremely important," she notes. "Many spouses are not aware of the amount of debt that's being carried" by the household and which they may be jointly responsible for repaying. "Ignorance is not bliss in a marriage," Stirling says.

Joint accounts. "We counsel that upon separation, you should immediately shut down that joint account and open up two individual accounts," Sullivan says. "Fund them with the liquid assets of the distribution [from the divorce] with the assumption that each spouse will get some funds."

[See How Much Should You Save for a Comfortable Retirement?]

Ownership and title of assets. "How are things titled?" Stirling asks. "Get your name off" credit and debt obligations if possible. "Part of being practical is not holding onto impractical possessions." Divorce is hard enough without being encumbered by unneeded possessions. "People need to disconnect all those tendrils that will affect them for a lifetime unless they sever them at the time of the divorce," she says.

Liquid assets. Sullivan recommends a pro-rata split of assets that are easy to value. After tax considerations are weighed, splitting asset accounts avoids the problem of trying to project future market performance on differing asset distributions. Each spouse faces the same risks.

Illiquid assets. Setting values on real estate and especially on ownership stakes in private businesses can be much harder. "The sustainability of an asset [such as an ongoing business] is very difficult in this environment," Stirling says. Sullivan notes that some clients put illiquid assets into trusts that can, over time, generate payment streams as agreed to in the divorce.

Future payments. If a spouse is entitled to a stream of future payments as part of the divorce, Stirling stresses the need to make sure there is life and disability insurance in force on the spouse responsible for making future payments. Social Security, pensions, annuities, and other delayed income streams also need to be evaluated in the same light.

Preventive steps. Thinking about ways to protect yourself in a divorce is not that unusual for people in long-running marriages and especially not for people who are getting remarried. If there are valuable assets that one spouse brings into the relationship, think carefully about maintaining clear title in that spouse's name so that distribution of that asset is not at issue in a divorce. In many marriages, Stirling notes, it's common for one spouseâ€"usually the manâ€"to take the lead in financial matters. However, not knowing about household financial details can put the other spouse at a serious disadvantage during a divorce. It can hurt even stable marriages as well, so it's important to make sure you are an equal financial partner in your marriage.

College Professors Fearful of Online Education Growth

College Professors Fearful of Online Education Growth

online education, laptop, computer, professor, businessman

A recent survey shows that a majority of college faculty are frightened by the growth of online education.

Online education continues its meteoric rise on college campuses, and many faculty members are frightened by its growth and prevalence, notes a recent study by Inside Higher Ed and the Babson Survey Research Group, which has spent more than a decade studying online education.

The report, which surveyed 4,564 faculty members, reveals that 58 percent of respondents "described themselves as filled more with fear than with excitement" over the growth of online courses within higher education.

The fears of college faculty are sustained by the consistent rise in popularity of online education during the past decade. The number of college students enrolled in at least one online course increased for the ninth straight year, with more than 6.1 million students taking an online course during fall 2010â€"a 10.1 percent increase over fall 2009, according to a separate Babson report.

[Read about free online education programs that are flooding the market.]

While some of these fears could be attributed to professors not seeing the benefits of digital education, others may worry that instructors could be replaced altogether by online courses, says Dan Johnson, a senior lecturer at Wake Forest University.

"It's the idea of being able to do with technology what has been done with people in the past," Johnson says. "There is a very real fear that this will be cutting into the education system and actually not just supplementing instructors but replacing them."

Although opinions differ between professors who have worked with an online component and those who have not, 66 percent of all faculty members surveyed say that the learning outcomes of online courses are inferior, compared to traditional courses. Among faculty members who teach online courses exclusively, 39 percent note that online courses produce inferior learning outcomes.

[See how online education may transform higher education.]

But instead of making comparisons on learning outcomes between online courses and classroom courses, educators should base opinions on the actual course design, says Diane Johnson, assistant director of faculty services at the Center for Online Learning at St. Leo University.

"It's all based on how the course is designed," she says. "You can't compare one course with another without looking at instructional design, whether it's face to face or online."

Wake Forest's Johnson agrees, noting that educators are making judgments and comparisons between traditional courses and online courses, when each requires "different assessments and evaluations."

"I could easily put together a series of assessments that would look at online [courses] versus brick-and-mortar [courses], and you would see much better outcomes for online," he says. "I could also create a different set of evaluations, and we would clearly see better benefits in a brick-and-mortar environment. We just don't know what we're looking for."

[Explore five tips before you pursue an online education.]

The future of online education looks bright, though, according to some full-time professorsâ€"which accounted for roughly three-fourths of all faculty surveyed. Forty percent reported that online courses have the potential to match in-class instruction for learning outcomes.

But, much like in face-to-face learning environments, the success of the course is dependent on the quality of the instructor, notes Julanna Gilbert, executive director of the Office of Teaching and Learning at the University of Denver.

"For the future, it's about getting enough people enough professional development so they can also teach high-quality online courses," Gilbert says. "You still need a faculty member because you still need feedback."

[Discover four technology must haves for online students.]

In order for faculty members to fully embrace online education in traditional settings, though, they must stop resisting these changes in technology, Wake Forest's Johnson says.

"We can argue against it all we want," he says. "But if we're spending all our time arguing … we lose the ability to help shape it so that it goes in the direction that's helpful for the students. We can turn online learning into a marvel of the 21st century, or we can turn it into a horrible mistake."

Searching for an online program? Get our complete rankings of Top Online Education Programs.

Kamis, 05 Juli 2012

White House Orders Political Ad Info To Be Posted Online

White House Orders Political Ad Info To Be Posted Online

The White House issued an order Tuesday that will require information on political TV ads be posted online, closing a longtime disclosure loophole in political campaign spending, the Sunlight Foundation reports.

The order, which was released by the Office of Management and Budget, requires the four major broadcasting networks to provide information on political ads that run in the 50 largest television markets to the Federal Communications Commission, which first passed the rule, by Aug. 2.

[Vast Amounts of Political Advertising Goes Unreported]

Previously, basic information on television adsâ€"how much they cost to run, who paid for them, and how often they ranâ€"was very difficult to obtain, requiring a person to visit local television stations to obtain hard copies of the files. As a result, as much as two-thirds of all political advertising, a critical tool for influencing voter opinion, went unreported and anonymous to the public.

The new rule will create an online database on the FCC's website for information related to political ads. The National Association of Broadcasters is suing to block the order, saying the new requirements will be costly for local stations and will hurt their negotiating power by making advertising rates public.

The rule, if not blocked by suit, would only apply to the 50 largest television markets. To see a list of what markets would apply, click here.

Seth Cline is a reporter with U.S. News and World Report. Contact him at scline@usnews.com or follow him on Twitter.

 

Expert: Romney Won't Pick Woman VP Because of Sarah Palin

Expert: Romney Won't Pick Woman VP Because of Sarah Palin

Republican presidential candidate Mitt Romney and his wife, Ann Romney, during a campaign event aboard the Spirit of Dubuque in Dubuque, Iowa.

Republican presidential candidate Mitt Romney and his wife, Ann Romney, during a campaign event aboard the Spirit of Dubuque in Dubuque, Iowa.

Despite hints from Ann Romney, wife of likely Republican nominee Mitt Romney, that her husband is considering at least one woman in his vice presidential search, it's unlikely he'll actually a tap a female for the post.

That's because the long shadow of Sarah Palin still hangs over vice presidential politics, says Jennifer Lawless, director of American University's Women and Politics Institute. John McCain's decision to share the ticket with the former Alaska governor in 2008 was widely panned after a series of missteps by Palin, a relatively inexperienced politician many criticized for not being ready for the national stage.

[Read: Romney's Wealth Under Renewed Scrutiny.]

"Whoever Romney picks, if she's a woman, would have to first demonstrate how much better than Sarah Palin she actually is, and that's not necessarily a good use of the campaign's time," Lawless says. But she adds that it is beneficial for the Romney campaign to float the idea that women are under consideration.

"Given the rhetoric regarding the 'war on women' and the fact that the Republicans are 'out of touch,' I think it's important for both parties to talk about how they actually care about women, women's plight, and think that women can be adequate leaders," Lawless says.

Ann Romney told CBS News that she and her husband have been "looking at that" when asked about a possible woman vice presidential pick.

"I love that option as well," she said in an interview aired on Thursday. "There's a lot of people that Mitt is considering right now."

[Check out U.S. News Weekly: an insider's guide to politics and policy.]

The qualities Ann said she would like to see in any selection are competency, capability, and a willingness to serve the country.

"There's lots of good people out there that fill that bill right now," she said.

Top women on the speculative veepstakes list are Sen. Kelly Ayotte, a former New Hampshire attorney general who campaigned with Romney on Wednesday, South Carolina Gov. Nikki Haley, New Mexico Gov. Susana Martinez, and former Secretary of State Condoleezza Rice.

No matter what Romney ultimately decides to do, Lawless says he will be forced to cope with the Palin legacy.

[See the latest political cartoons.]

"Mitt Romney is ultimately going to find himself between a rock and a hard place because although it is important to demonstrate that there are qualified women who should be on the short list, the onus is then going to be on him to explain why they weren't his ultimate pick and he's not going to say, 'because I don't want voters to think of Sarah Palin,'" she says. "So he's going to have to navigate a pretty fine line and ensure that if he says that the most qualified person turns out to be a man that indeed that person is more qualified than some of the women's names who are floating around."

Lawless also says Palin will be a cautionary tale in vice presidential politics for some time.

"If the Democrats have a female nominee at some point, either as president or vice president, that could erase this," she says. "We just need another well-known, nationally publicized woman in politics to erase that image. The Democrats have a better shot at doing that than the Republicans do at this point because Sarah Palin was never on their ticket."

Romney will likely make his selection public sometime before the Republican National Convention, which is scheduled for late August.

Rebekah Metzler is a political writer for U.S. News World Report. You can contact her at rmetzler@usnews.com or follow her on Twitter.

Iowa Hosting Four Fierce Congressional Races Thanks to Redistricting

Iowa Hosting Four Fierce Congressional Races Thanks to Redistricting

Rep. Steve King of Iowa speaks in Washington.

Rep. Steve King of Iowa speaks in Washington.

Iowa is used to being in the middle of the political spotlight, as it has long been known as the state where presidential candidates officially start their quest for the White House. But with the fervor surrounding the Iowa caucuses long gone, the spotlight is now shining on the state's four hotly contested congressional races, which have all been shaped by redistricting.

Over the past couple of years, a number of state legislatures across the country have been in a knock-down, drag-out fight over redistricting, trying to rewrite district lines in order to maximize lawmakers' chances of staying in office. [See how the GOP has made gains among independents in advance of 2012.]

In Iowa, the battle has been taken out of legislators' hands, leaving the heavy lifting to a non-partisan state agency, with the state legislators giving the plan a simple up or down vote.

"It keeps the races interesting," says Christopher Larimer, a political science professor at Northern Iowa University. "It is almost like a game of chicken. The legislators can send it back for another draft, but then they risk it coming back worse for their party."

With fewer people in the state, Iowa had to eliminate one of its five congressional districts. Republican Rep. Steve King, who previously held Iowa's fifth, moved into the fourth congressional district, and in order to avoid an incumbent GOP matchup, King's move forced fellow Republican Rep. Tom Latham out of the fourth and into the third.

In Iowa, two of the districts lean Democratic and two lean Republican, but the large number of independent voters in the state keep all four races from being a sure thing.

In the race that will pick up the most national attention, King is facing stiff competition, which is something the outspoken GOP hardliner isn't used to. [Check out a roundup of this month's political cartoons.]

King is adored by constituents and has earned a reputation as a pro-life budget hawk who strongly opposes illegal immigration, calling for the construction of a concrete wall along the Mexican border.

"The congressman has always had a very clear set of values," says Jake Ketzner, King's campaign manager. "If you ask a voter in this district where he stood, they'd say he's a consistent conservative."

King, who has won re-election four times, is facing strong opposition from Iowa's former first lady, Christie Vilsack, whose husband, Tom, currently serves as the Secretary of Agriculture. Vilsack has outraised King so far, boasting nearly $1.8 million compared to King's $1.6 million.

"This is the most competitive race in the state," says University of Iowa political science professor Tim Hagle. "With high name recognition and money behind her, it seems Vilsack has a better shot than King's opponents have had in the past."

Ketzner says while voters know Vilsack's name, they don't know what she stands for.

"Once the issues come up, it is going to be difficult for her to survive in a conservative district," Ketzner says.

Vilsack campaign manager Jessica Vanden Berg argues that she has laid out a concise campaign, focused on expanding green energy in the state, expanding educational opportunities and laying out the differences between the two on women's issues.

"This is a different sort of election for him," Vanden Berg says, "There are major, major differences between the candidates. With her own unique brand, we are feeling good about where we are."

Moving South, the race in the third district pits Latham against the current incumbent, Democrat Rep. Leonard Boswell. Latham currently holds a more than $1.2 million fundraising advantage over Boswell, and while the district leans to the right, pundits are not counting Boswell out.

"Every two years, people write Boswell off in his competitive races. But you never know. Boswell always seems to come back," Larimer says.

Boswell campaign manager Kevin McTigue says the Democrat built out an extensive ground game and is playing catchup by making between 2,000 and 3,000 calls to voters per day. McTigue blames Latham's cozy relationship with Speaker of the House John Boehner for Boswell's fundraising troubles.