Wednesday, March 28, 2012

High court throws out human gene patents

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Source: http://news.yahoo.com/high-court-throws-human-gene-patents-161634977.html

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Monday, March 26, 2012

Food And Drink ? Cooking For One: Ideas As Well As Tricks To Suit ...

In several ways, cooking for one can be tougher when compared with cooking food for the group. This might be because of the fact that formulations and tested recipes are not intended for simply one individual. In case you are cooking for one you might be faced with not-so-great selections, including controlling the amount of time and energy as well as possibility of waste products with sacrificing freshness and also flavor.

These kinds of issues are going to be avoided when you try taking some guidelines from a number of people with expertise on exactly how to solve this.

Below are great tips that will allow you to experience the good tastes of cooking for one.

Knowing measurement equivalents is truly crucial to learn. Cooking for one can be made simpler once you discover about counterparts (such as 1 tablespoon is basically equivalent to 3 teaspoons). A good food preparation measurement equivalent chart is actually a handy instrument to have in your kitchen.

Cooking for one will probably be effortless if you?ll prepare ahead of time as well as freeze. Go ahead and cook that big, tasty casserole.? Freezing this in single-serve portions will be the following step to do. This suggestion will help you to conserve your time and energy and you can eat supper even if you are far too tired to cook during busy nights.

From one ingredient, multiple meals may be prepared.? You don?t have to forego buying large cuts of meats or perhaps foods. You have the option of freezing pieces which are not yet utilized, or even creating a couple of different yet diverse dishes using the same ingredient (for instance, kabobs, beef stew, stir fry, stroganoff, as well as teriyaki virtually all from exactly the same pack of stew beef or perhaps leftovers from the roast).

Cooking along with pals could be enjoyable. Meet up with a buddy ? even a buddy who isn?t single, or is cooking food with a spouse and children, and plan a fun cooking night.

Along with some tips, preparing a dish or two and splitting the end result will allow you to appreciate wonderful foods for more than simply one period. Aside from not contending with leftovers, this will help you to give variety to your own menus as well.

Exchange your own menu with a good buddy. Exchanging foods with the buddy is recommended when you desired to try new recipes.

Dine together. For this matter, in lieu of cooking for one plan to make meals for 2 or a few as well as rotate supper at each other?s residences. By this plan of your own, this will help you to save lots of your time and energy and to reconnect with the friends too.

Benefits associated with one-skillet meals. One skillet foods are generally practical for everyone, but could genuinely make daily life less complicated for cooking for one, as there is limited clean-up and the scalability up or down is typically pretty simple.

Be sure to have enough ingredients inside your kitchen pantry. Another easy way of cooking for one, particularly in a hurry, would be to dress up a quick or simple dish just like pasta. Keep the pantry stocked with healthful canned veggies, or your freezer full with small-portioned chopped lean meats and packaged frozen veggies that may rapidly be pulled together to enliven a basic meal.

Search for supper. Cooking for one is one particular niche with so many online tips that you can benefit from.

Cooking for one will be a lot more better as soon as you consider these guidelines to heart and soul and try taking a little action.

Cooking For One ? go to this amazing site right now for additional dishes.

Source: http://food-and-drink.us/7218/cooking-for-one-ideas-as-well-as-tricks-to-suit-your-needs/

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Sunday, March 25, 2012

Saturday, March 24, 2012

Treating Gum Disease May Help Diabetics Avoid Complications

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Source: http://news.yahoo.com/treating-gum-disease-may-help-diabetics-avoid-complications-160407474.html

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Thursday, March 8, 2012

Air France-KLM switches into loss on fuel costs

Air France-KLM switched into heavy loss last year owing to high and still rising fuel costs, disruption to traffic from unrest in North Africa and an earthquake in Japan, the firm said on Thursday.

Its figures also showed that the group is suffering from competition from low-cost airlines. The overall outcome was worse than analysts' had expected and shares in the airline fell.

"The 2011 year was difficult for the group because of an uncertain economic environment and a large increase in the price of fuel," Air France-KLM head Jean-Cyril Spinetta said.

The airline warned that in view of the uncertain business climate and the rising cost of fuel, the operating outcome for the first half of this year would be worse than in the first half of last year.

But in the current first half the business should begin to benefit from the effects of a three-year plan to boost competitiveness.

The airline reported results for the calendar year for the first time since it was structured in its current form in 2004, and revealed a net loss of 809 million euros ($1.065 billion) compared with net profit of 289 million euros on an equivalent basis in 2010.

The group also reported an operating loss of 353 million euros compared with a profit of 28 million euros.

However the base figures for 2010 were boosted by an exceptional capital gain.

The fuel bill, the second-biggest cost after staff pay, amounted to 6.438 billion euros last year, an increase of 904 million euros or 16.3 percent from the figure for 2010. The company foresaw that this cost item would rise again this year by 1.1 billion euros.

The airline said that it had set an "absolute priority" of stabilising its net debt this year at 6.5 billion euros.

The losses were higher than analysts had expected, as calculated by Bloomberg. Overall, the analysts had expected a net loss of about 650 million euros and an operating loss of 241.5 million euros.

The price of shares in the airline was showing a fall of 2.60 percent to 4.09 euros in early trading on the Paris stock market which was rising overall.

Spinetta told journalists, in a reference to the so-called Arab Spring, that unrest in North Africa, civil war in Africa and the earthquake and tsunami in Japan had "profoundly disorganised our network".

Under the three-year plan to 2015 announced in January, the airline intends to cut debt sharply to 2.0 billion euros by the end of 2014, to improve productivity and to return to balanced results for the medium-haul segment by the end of 2014.

Air France is under particularly strong competition on medium-distance routes from low-cost airlines, and lost 700 million euros in this sector alone last year.

Despite the overall figures, the board expressed confidence, saying that sales had risen by 4.5 percent to 24.36 billion euros.

Spinetta said: "Our liquidity (acces to cash) remains at a comfortable level. We have a treasury of 2.9 billion euros and a line of credit of more than 1.8 billion euros."

He added: "We have a sufficiently comfortable treasury situation to be able to look to the future in a seriuous way but serenely."

Spinetta also said that Air France-KLM was holding informal talks with Abu Dhabi airline Etihad on a possible commercial agreement but ruled out any possibility of Etihad acquiring an interest in the French group.

Source: http://news.yahoo.com/air-france-klm-switches-loss-fuel-costs-102632535.html

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Saturday, March 3, 2012

Even after backlash, banks quietly pursuing fees

NEW YORK (AP) ? Big banks, facing declining revenues and a regulatory climate that leaves them fewer creative ways to make money, are quietly introducing or experimenting with fees that are sure to outrage customers.

Bank of America was shouted down by angry customers last fall when it tried to impose a $5 monthly fee for using a debit card. JPMorgan Chase and Wells Fargo backed off plans to impose their own fees.

But the major banks have imposed or are testing other fees:

? Since November, Wells Fargo has charged $15 a month for some checking accounts unless customers have three accounts with the bank, maintain a minimum balance of $7,500 or have a Wells Fargo mortgage.

? Some Citibank customers are being charged $20 a month unless they keep $15,000 in their accounts, up from $6,000 before December. They're also being dinged with a $2 fee for using non-Citi ATMs if their balance falls below the minimum.

? Bank of America, even after a backlash last fall when it tried to impose a $5 monthly fee for debit card transactions, is testing a menu of checking accounts in Georgia, Massachusetts and Arizona with monthly fees of $6 to $25.

Banks aren't charities, and they say they need to make money, or at least cover the cost of doing business. Consumer groups ? and customers, too, it's safe to assume ? have a less forgiving view.

"Banks have a short-term memory," says Norma Garcia, senior attorney at Consumers Union. "These fees affect all consumers, but particularly impact the most vulnerable, who have the least capacity to meet minimum balances and avoid the fees."

Nothing in banking is free anymore. All of the largest banks in the United States offered free checking with no strings attached until 2009, and almost none do today, says Mike Moebs, the founder of Moebs Services, a financial research company.

And what wasn't free before costs a lot more these days: Moebs' research shows that cashiers' checks that used to cost $3 now cost as much as $12, and the cost to get money orders has doubled to $2 at the largest banks.

The big banks are public companies and are expected to make a profit somehow. And it's not as easy as it used to be.

Historically, banks have made money off of something called interest rate spreads. They borrowed money cheaply, loaned it out at higher interest rates and pocketed the difference.

But interest rates are at historic lows, making it harder for banks to charge high rates when they lend and squeezing their profits.

Regulatory rules since 2009 have also curtailed traditional bank fees, costing them billions of dollars. Banks were barred in 2010 from automatically enrolling customers in a service that charged them as much as $35 for overdrafts on their checking accounts.

Another law barred banks from charging fees and changing interest rates on credit cards without notifying customers.

Banks' revenues have dwindled since these laws came into effect. Bank of America's revenue last year was $93 billion, compared with $121 billion two years before. Wells Fargo took in $81 billion last year, down from $89 billion in 2009.

Jamie Dimon, the CEO of JPMorgan Chase, told an investor conference earlier this week that it costs the bank an average of $300 a year to maintain a bank account. About 85 percent of customers of the two largest banks in the U.S. ? JPMorgan Chase and Bank of American ? still qualify for free checking.

Banks are trying to figure out how to make up that cost. But their fees are landing hard on customers in a country with 8.3 percent unemployment, some of whom point out that it was taxpayers who bailed out the banks less than four years ago.

The $5 debit card fee that Bank of America announced on Sept. 29 became a flashpoint of anger, including for protesters in the Occupy movement.

The bank said it was triggered by a federal law championed by Sen. Dick Durbin, D-Ill., that went into effect Oct. 1. It capped what banks charge stores for debit card transactions at 24 cents, down from an average of 44 cents.

The law cut into quarterly revenue at Bank of America by $475 million, at JPMorgan Chase by $300 million and at Wells Fargo by $250 million.

Nevertheless, after public outrage, those three banks, plus SunTrust Banks Inc. and Regions Financial Corp., all backed down from plans to charge monthly fees for debit card purchases.

Bank of America says it is "not planning to increase checking account fees with our existing customers." Of the tests in Arizona, Georgia and Massachusetts, it says it is "continuing to learn" from them and has made no decisions.

Some bank executives say the political environment has made it difficult for them to charge for their services. Todd Maclin, head of consumer banking at JPMorgan Chase, points out that banking is cheaper than a cellphone, a cable TV or a gym membership.

"But still we don't expect that you're going to be able to increase in this environment," he says, referring to prices.

Still, Chase and the other large banks have increased monthly fees by an average of $10 for checking accounts in the last two years. They also introduced fees of $2 and $3 for small services like printed statements and canceled checks.

Consumer advocates say they worry that the fees will push people out of banking and toward more expensive services, like payday lenders and loan sharks.

"A significant part of the population will be squeezed out of banks because they can't afford it," says Nancy Bush, founder of banking research group NAB, and columnist at SNL Financial, "and that is absolutely wrong."

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2012-03-01-US-Bank-Fees/id-2f44b13f992c41818af56f4d03c757e6

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