Scam from Marina Parma
Urgent Reply.
Greetings to you and your family, I am the manager of bill and exchange in THE
BANK, I have a business of 5.5 Million
United State Dollars to be transfer to your account for investment in your
country, if you are ready to assist me get
back to me, I will give you full details on how the fund will be transfer to
you.
Be rest assured that everything will be handled confidentially because, this is
a great opportunity we cannot afford to
miss, as it will make our family profit a lot.
It has been 6 years go, that most of the greedy African Politicians used our
bank to launder money overseas through the
help of their Political advisers.
Most of the funds which they transferred out of the shores of Africa were gold
and oil money that was supposed to have
been used to develop the continent.
The Political advisers always inflated the amounts before transfer to foreign
accounts so I also used the opportunity to
divert part of the fund worth five million five hundred united state dollars I
told you about and I am aware that there
is no official trace of how much was transferred as all the accounts used for
such transfers of fund at that particle
time were closed after transfer.
I am the account officer to most of the politicians and when I discovered that
they were using me to succeed in their
greedy act, I also cleaned some of their banking records from the Bank files and
no one cared to ask me for the money
was too much for them to control, as I am sending this message to you, I was
able to divert five point five Millions
Dollars ($5.5M) which is in an escrow transit account belonging to no one in the
bank, and now my bank is very anxious
to know the real beneficiary of the funds is for they have made a lot of profits
with the fund.
It has been more than five years ago and most of the politicians are no longer
in power again and they don’t use our
bank to transfer funds overseas anymore since their tenure had expired.
The $5.5 Million United State Dollars has been lying in the bank as unclaimed
fund and i will soon retire from the bank
immediately the fund is transfer into your account over there.
Immediately the fund has been successfully transfer into your account i will
come to your country for the sharing of the
fund, the fund will be shared 50% for me and 40% for you, and the other 10% for
the orphanages home and poor with
less-privilege people.
Please know that there is no one that is going to question you about the fund if
you will comply with me and follow my
instruction which will help us a lot to achieve this goal for everything is well
secured.
Please indicate your interest in this transaction my replying back and if you
are not interested do not waste your time
to reply kindly delete my message from your box ok.
Waiting to hear from you soon.
Yours Faithfully,
Mrs Marina Parma
parmamarina@voila.fr
Green Tea and Coffee Really Do Cut Stroke Risk!
I found the report of this newest survey on National Public Radio’s The Salt:
A Daily Habit Of Green Tea Or Coffee Cuts Stroke Risk
by ALLISON AUBREY
March 15, 2013
Whether it’s green tea that warms you up, or coffee that gives you that morning lift, a new study finds both can help cut the risk of suffering a stroke.
The study, published in the American Heart Association journal Stroke, included 82,369 men and women in Japan.
Researchers found that the more green tea a person drank, the more it reduced the risk of suffering a stroke.
“It’s almost a 20 percent lower risk of stroke in the green tea drinkers” who drank four cups a day, compared with those who rarely drank green tea, explains Dr. Ralph Sacco of the University of Miami. (He’s the past president of the American Heart Association, and we asked him to review the study for us.)
And with coffee, researchers found just one cup per day was also associated with about a 20 percent decreased risk of stroke during a 13-year follow-up period.
“I was still feeling rather surprised” about the findings, Dr. Yoshihiro Kokubo, the study’s lead author, tells The Salt in an email. Kokubo is a researcher at the Department of Preventive Cardiology, National Cerebra and Cardiovascular Center in Osaka, Japan.
Kokubo says that green tea contains compounds known as catechins, which help regulate blood pressure and help improve blood flow. The compounds also seem to promote an anti-inflammatory effect. Kokubo says coffee, which contains caffeine and compounds known as quinides, likely influences our health through different mechanisms.
It’s not just the Japanese who seem to benefit from drinking coffee and green tea. Over the past few years, researchers in the U.S. have documented similar reductions in heart disease risk among Americans.
“The accumulating evidence from a variety of studies is suggesting that green tea and coffee may be protective,” says Sacco.
And, in addition, recent studies have linked a regular coffee habit to a range of benefits — from a reduced risk of Type 2 diabetes to a protective effect against Parkinson’s disease.
It’s interesting to note how much the thinking about caffeine and coffee has changed.
In the 1980s, surveys found that many Americans were trying to avoid it; caffeine was thought to be harmful, even at moderate doses.
One reason? Meir Stampfer of the Harvard School of Public Health says back then, coffee drinkers also tended to be heavy smokers. And in early studies, it was very tough to disentangle the two habits.
“So it made coffee look bad in terms of health outcomes,” says Stampfer.
But as newer studies began to separate out the effects of coffee and tea, a new picture emerged suggesting benefits, not risks.
Researchers say there’s still a lot to learn here — they haven’t nailed down all the mechanisms by which coffee and tea influence our health. Nor have they ruled out that it may be other lifestyle habits among coffee and tea drinkers that’s leading to the reduced risk of disease.
And experts say when it comes to preventing strokes and heart attacks, no food or drink is a magic bullet. It’s our overall patterns of eating and exercise that are important.
“It’s a whole lifestyle approach, and we need to remember that,” says Sacco.
So if you are already in the habit of drinking coffee or green tea, this study is one more bit of evidence that you can go ahead and enjoy it.
Hilarious Ad
Thank you, Hayfa, I am still laughing!
Monster Quake Predicted for US Pacific Northwest
You can read this entire threatening report of a recent study done by earthquake experts at Weather Underground News:
Northwest Earthquake: Experts Say Get Ready
By: Lauren Gambino
Published: March 15, 2013
SALEM, Ore. — More than 10,000 people could die when – not if – a monster earthquake and tsunami occur just off the Pacific Northwest coast, researchers told Oregon legislators Thursday.
Coastal towns would be inundated. Schools, buildings and bridges would collapse, and economic damage could hit $32 billion.
These findings were published in a chilling new report by the Oregon Seismic Safety Policy Advisory Commission, a group of more than 150 volunteer experts.
In 2011, the Legislature authorized the study of what would happen if a quake and tsunami such as the one that devastated Japan hit the Pacific Northwest.
The Cascadia Subduction Zone, just off the regional coastline, produced a mega-quake in the year 1700. Seismic experts say another monster quake and tsunami are overdue.
“This earthquake will hit us again,” Kent Yu, an engineer and chairman of the commission, told lawmakers. “It’s just a matter of how soon.”
When it hits, the report says, there will be devastation and death from Northern California to British Columbia.
Many Oregon communities will be left without water, power, heat and telephone service. Gasoline supplies will be disrupted.
The 2011 Japan quake and tsunami were a wakeup call for the Pacific Northwest. Governments have been taking a closer look at whether the region is prepared for something similar and discovering it is not.
Oregon legislators requested the study so they could better inform themselves about what needs to be done to prepare and recover from such a giant natural disaster.
The report says that geologically, Oregon and Japan are mirror images. Despite the devastation in Japan, that country was more prepared than Oregon because it had spent billions on technology to reduce the damage, the report says.
Women’s Rights a Threat to Society?
Society changes. Cable television has had a huge influence, travel to other countries changes perceptions, education gives a wider perspective, The genie is out of the bottle; women are equal people. No woman should need someone else’s permission to travel, work, or to use contraception.
Egypt’s Muslim Brotherhood: Women’s Rights Could Destroy Society, Countries Should ‘Reject And Condemn’ UN Declaration
Reuters | Posted: 03/14/2013 5:40 pm EDT
By Michelle Nichols
UNITED NATIONS, March 14 (Reuters) – Egypt’s ruling Muslim Brotherhood warns that a U.N. declaration on women’s rights could destroy society by allowing a woman to travel, work and use contraception without her husband’s approval and letting her control family spending.
The Islamist party of President Mohamed Mursi outlined 10 reasons why Muslim countries should “reject and condemn” the declaration, which the U.N. Commission on the Status of Women is racing to negotiate a consensus deal on by Friday.
The Brotherhood, which was elected to power in June, posted the statement on its website, http://www.ikhwanweb.com, on Thursday.
Egypt has joined Iran, Russia and the Vatican – dubbed an “unholy alliance” by some diplomats – in threatening to derail the women’s rights declaration by objecting to language on sexual, reproductive and gay rights.
The Muslim Brotherhood said the declaration would give “wives full rights to file legal complaints against husbands accusing them of rape or sexual harassment, obliging competent authorities to deal husbands punishments similar to those prescribed for raping or sexually harassing a stranger.”
U.S. Ambassador Susan Rice last week touted at the commission – a global policy-making body created in 1946 for the advancement of women – progress made by the United States in reducing the rate of violence against women by their partners.
“All 50 states in our union now have laws that treat date rape or spousal rape as just as much of a crime as rape by a stranger,” Rice said. “We cannot live in truly free societies, if women and girls are not free to reach their full potential.”
The contrasting views show the gap that needs to be breached in negotiations on the declaration, which this year is focused on urging an end to violence against women and girls. The commission failed to agree a declaration last year on a theme of empowering rural women due to similar disagreements.
WORLD IS WATCHING
Egypt has proposed an amendment, diplomats say, that would allow countries to avoid implementing the declaration if it clashed with national laws, religious or cultural values. But some diplomats say this would undermine the entire declaration.
The Muslim Brotherhood warned the declaration would give girls sexual freedom, legalize abortion, provide teenagers with contraceptives, give equality to women in marriage and require men and women to share duties such as child care and chores.
It said the declaration would allow “equal rights to homosexuals, and provide protection and respect for prostitutes” and “equal rights to adulterous wives and illegitimate sons resulting from adulterous relationships.”
A coalition of Arab human rights groups – from Egypt, Lebanon, the Palestinian Territories, Jordan and Tunisia – called on countries at the Commission on the Status of Women on Thursday to stop using religion, culture, and tradition to justify abuse of women.
“The current positions taken by some Arab governments at this meeting is clearly not representative of civil society views, aspirations or best practices regarding the elimination and prevention of violence against women and girls within our countries,” said the statement issued by the Coalition for Sexual and Bodily Rights in Muslim Societies.
Michelle Bachelet, a former president of Chile and head of U.N. Women, which supports the commission, said the commission was unable to reach a deal a decade ago when it last focused on the theme of women’s rights and ending violence against women.
“Ten years later, we simply cannot allow disagreement or indecision to block progress for the world’s women,” Bachelet told the opening session of the commission last week. “The world is watching … the violence needs to stop.” (Editing by Mohammad Zargham)
Distracted Driving #1 Killer of U.S. Teens
Horrifying article. I would have thought they would be talking about texting, which we can see for ourselves has people, young and old, swerving all over the highway, but no – the culprit is PASSENGERS! The death rate for teens in cars increases with each additional passenger!
The papers are full of heartbreaking obituaries, young people, men and women, who had so much potential, so much life ahead of them, and now they are gone. Heartbroken parents think of the years of joy they will miss.
Fatal Distraction: Teen Drivers And Passengers Are A Deadly Mix
Studies show that one passenger in a teen driver’s car increases fatality risk by 44%, two passengers doubles the risk
Sharon Silke Carty
AOL Auto News
Teen driving safety is one of those problems that is easy to ignore: So often the tragedies are spread out throughout small towns around the country. One lost life here, two lost there. We don’t often piece all those crashes together and realize what’s happening to our children.
Sometimes to get change, you need a tipping point. Maybe this week will be it: Since Sunday, 15 teenagers have died in major car accidents around the U.S. Six died after crashing into a pond in Ohio. Five died when they crashed into a tanker truck in Texas. Four died when they crashed into a creek in Illinois.
And that’s just the crashes that were major and notable enough to make national news. One teen in Colorado died Sunday when the teen driver of a car he was in crashed into the side of a mobile home. Three died in Indiana when the drivers, in two trucks, ran stop signs and collided head-on. A 15-year-old driver in Maryland died when he was fleeing police in a car. And there are others, many which don’t make the news. Crashes that don’t end in fatalities but left serious damage: traumatic brain injuries, crippling spinal cord issues.
“The numbers are so small and spread out geographically,” said Timothy Hollister, a teen driving safety advocate in Connecticut whose book, “Not So Fast: Parenting Teen Drivers Before They Get Behind The Wheel”, comes out in September. “It’s only when you put the numbers together nationally that people even begin to take notice.”
Driving is the No. 1 killer of teens in this country, accounting for about 25 percent of teen deaths each year. About 3,000 to 5,000 teens die annually in car wrecks, enough to fill the halls of a large high school. Or two.
Recently, the Governor’s Highway Safety Association release preliminary figures for 2012 that show a troubling trend: After 10 years of declining, teen driving deaths are on the rise.
Although teen crashes seem random and unpredictable, they actually often follow a predictable pattern: It’s likely a group of teens heading nowhere in particular, probably late at night, and going fast. Often, they’re not wearing seatbelts.
Researchers have identified the dangerous habits of young drivers, who can’t ever be considered safe behind the wheel because they are simply too novice. There’s a common thread for many fatal crashes: More than one passenger in the car, especially if those passengers are male.
The Passenger Effect
A study released last year by AAA said passengers have a huge impact on fatalities: Fatality rates went up 44 percent with one passenger under 21 years old, doubled with two passengers, and quadruples when carrying three or more passengers who are under 21 years old.
Many graduated drivers license (GDL) laws regulate how many passengers teens can have in the car before they are awarded a full license. Parents who are concerned about their teens behind the wheel want to pay close attention to this rule: Make sure your teens are driving alone mostly, with no more than one passenger. Don’t let them carpool to and from school events. Don’t let them head out for the evening with a bunch of other kids teens in one car. Remember that other passengers are a huge distraction that can turn into a fatal distraction.
Laws regarding passengers in vehicles driven by teens are “the single least enforced and most ignored rule,” Hollister said. “It’s the one piece that could make a difference. That’s parents putting convenience ahead of safety, and not understanding the dangers that every passenger in a teen driver’s car adds an additional risk.”
FedEx Scam
I am not expecting any delivery – especially as Intlxpatr, LOL. Warning, when you receive notices like these, do not click anything, except the SPAM button!
Long Term Care Insurance: Buy it Young
I have a whopping bill to pay, and while I hate to do it, it is necessary. Women in my family live a long time. People in America are living longer. While retirement funds can look generous at the time you retire, health care costs and late-life care can eat those funds down to nothing . . . and then what?
It’s not like the old days. There was a time when we didn’t live so long, and women didn’t work. Who, these days, has time to stay home and care for the ailing elderly? Because we live longer, by the time we become ailing-elderly, our children are borderline elderly themselves, unable to do the heavy lifting that comes with helping the elderly do even the smallest of everyday tasks, bathing, grooming, eating, dressing – it takes strength.
I found this article on AOL’s Daily Finance page.
Long-Term Care Insurance Should Be Part of Your Financial Plan
by Michele Lerner, Mar 12th 2013 5:00AM
In the world of insurance products, long-term care insurance is a relative newcomer. It was introduced in the late 1970s, but in recent years, it has become a much more important element of retirement planning thanks to twin rises in health care costs and longevity. (Life expectancy in 1930 was just 59.7; in 2010 life expectancy for Americans was 78.7.)
Many people associate long-term care insurance with nursing homes, but it also pays for in-home care and assisted living facilities. According to the American Association for Long-Term Care Insurance, 50 percent of long-term care insurance benefits in 2011 went to pay for in-home care, 31 percent for nursing home care, and 19 percent for an assisted living facility.
How Long-Term Care Insurance Works
Each long-term care insurance policy is slightly different, but most benefits kick in based on a similar definition of “disability”: either you have severe cognitive impairment or you need help with at least two daily living activities. These activities include bathing, dressing, eating or using the bathroom.
In other words, you don’t just automatically receive the benefits when you think you could use some help or when you move into a retirement community. Policies are typically purchased with fixed daily benefits for a fixed period of time such as three years or five years.
Can You Cover These Costs Without It?
On an hourly, daily and monthly basis, the cost of the kinds of services covered by long-term care insurance really add up.
A 2012 MetLife Survey of Long-term Care Costs found:
The national average monthly base rate in an assisted living community cost $3,550 in 2012.
The national average daily rate for a private room in a nursing home cost $248; a semi-private room ran $222 per day.
The national average daily rate for adult day services was $70.
The national average for hourly rates for home health aides was $21.
While many people recognize the value of having insurance coverage to help pay for their care when they age, not everyone purchases it.
A 2012 Generational Research project by Financial Finesse showed that just 10 percent of people age 45 to 54 have purchased long-term care insurance, and only 16 percent of people age 55 to 64 have it.
Why are people forgoing coverage? It comes down to cost, according to the AARP.
How Much Does Coverage Cost?
Long-term care insurance can vary widely depending on your age at the time of purchase, the length and amount of coverage, and policy characteristics including whether your benefits are adjusted for inflation and the length of any waiting period before benefits are paid, among other things.
According to the American Association for Long-Term Care Insurance, the average annual premium for long-term care insurance in 2012 for a policy for a 50-year old with a daily benefit of $200 for three years of coverage and a 3 percent automatic compound inflation coverage was $2,235. Your policy can’t be cancelled (except for non-payment) and premiums for long-term care insurance cannot be increased on an individual basis for your age or health reasons. Still, insurance companies can raise the premiums for an entire class of policyholders (such as everyone age 75 and older).
Obviously, the older you are when you purchase long-term care insurance, the more expensive the policy and the higher the likelihood that you will be turned down for the coverage. Underwriters look at your health records as well as mortality risk to determine your eligibility for coverage.
Some companies give you a discount if you’re married because they assume spouses are likely to take care of each other longer before resorting to a nursing home.
Four Reasons You Need Long-Term Care Insurance
So how do you know if you need this kind of insurance? If you have more limited retirement savings, long-term care insurance should probably be part of your financial plan. And even if you have $2 million or $3 million in the bank for your retirement and future health care needs, don’t dismiss these policies before you examine the benefits more closely. Consider, for example:
How much longer we’re living these days. The longer you live, the higher your chances of needing some type of long-term care, either in your home, in a nursing home or in an assisted living facility.
Rising health care costs. AARP says that health care costs have historically outpaced the overall rate of inflation. If you need to live in a nursing home for more than a year or two, you could need $250,000 or more to pay for it.
How far your retirement investments will really take you. Your 401(k) may look good when you retire at 65, but if you need to pay for assisted living or even a home health aide the income generated by your retirement investments could get eaten away very quickly. If one spouse needs to live in a nursing home but the other can stay at home, you’ll need enough savings to cover two separate living expenses.
Your family’s emotional and financial health. Even wealthy families often choose to purchase long-term care insurance because the policy can make decisions about how to care for loved ones easier by giving them more options. Instead of draining their inheritance, your family members can use insurance benefits to pay for home health care or to cover some of the expense of a more costly nursing home.
Financial experts suggest purchasing long-term care insurance between age 55 and 64, but remember that the younger you are when you buy it, the lower your premiums will be. If you or your parents are 50 or 55, it’s time to discuss your options with an insurance agent.
Another Thorny Issue
It is one of those glorious days in Pensacola. I love winter here anyway, I love the cold temperatures and a chance to wear some of my old German sweaters and coats, but today, the threat of deep freeze seems past, it is just warm enough to prune the roses and the bougainvilleas.
I used to garden, I gardened well. I gardened in Seattle, and in Germany, mostly, although I also had gardens in Jordan, and in Qatar. In Qatar, I will admit, my function was mostly to buy the plants and buy the pots and tell the gardener where to place them. He came to my door when I tried to do it myself, and he said “Madam, this is MY job. Please don’t take my work away from me.”
Now that AdventureMan is also a Master Gardener, my gardening responsibilities – and my gardening prerogotives – have declined substantially. I tried gardening when we got here; I can garden just fine in November – April, but the summer heat and humidity and mosquitos defeat me. Oh? Yes? You’ve heard this before? I am so sorry!
I still retain personal interest in the bougainvillea and the roses. I love the bougainvillea, and it is now three years old. I am trying to grow it tall, so it will cascade over the end of my porch area, as it does in the more tropical countries. Yes, it is a challenge.
I also love trimming, rooting, and creating new rose bushes from the beautiful old white rose bush we have, with it’s delicate coloring and scent.
Old White Roses
I was careful. I wore leather globes. But when you are working with bougainvillea (great big huge thorns!) and with roses (smaller, but equally lethal thorns) you can get very scratched up. I did, indeed, get very scratched up, but I succeeded in getting the bougainvillea gathered and trimmed, some new bougainvillea starts made, and several new rose bushes started. I think next time I will at least wear long sleeves; my Master Gardener suggested long leather gauntlets!
The Master Gardener pruned the roses. 🙂 He had a class in pruning roses a couple weeks ago, and wanted to tackle the roses, but he wanted our marriage to survive. Today was the perfect day; a day we could both be outside. We discovered we have very similar styles in pruning roses, and our marriage is better than intact 🙂
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