Sunday, February 27, 2011

Should You Pay Off the House?

Family on front porch (Thinkstock)
                                                                                                                                                            
When there was easy money to be made in real estate and stocks, mortgage debt seemed like nothing to fear. Now an increasing number of homeowners are wondering if it makes sense to hasten the day they can say goodbye to a big monthly expense while earning the equivalent of a decent, guaranteed return.

"I'm hearing this question more now that clients aren't feeling as comfortable about the market," says Los Angeles area financial planner Eileen Freiburger.

Maybe you're part of a young family, and whittling down your loan balance seems like a sound strategy. Or maybe you're counting down to retirement (perhaps even already kicking back), have only a few years of payments left, and are wondering if you should just knock off the balance.

But if you're thinking of such a move, you're also well aware that mortgage interest is tax-deductible -- and if history is any guide, putting money into stocks will earn you a higher return over the long haul than putting it into real estate.
The answers to the questions below can help you determine your best course of action.

Do you have more pressing financial needs? 

Anyone who has credit card debt or isn't maxing out her 401(k) should make those the priority. You should also have at least six months' worth of living expenses in cash.
A few years ago you would have been able to pull money out of your home quickly if, say, you lost your job. Now that lenders have tightened up, that's not so easy.

Retirees and near-retirees contemplating a lump-sum payoff need to ensure they have enough liquid savings to handle emergencies such as unexpected medical expenses, especially because it's hard to tap equity on homes without first mortgages.

And you shouldn't pull money out of your IRA to pay off your home loan, since the IRA funds will be taxed at ordinary income rates.

How long do you plan to stay? 

If you plan to trade up to a larger home or downsize to a smaller one within five years, it doesn't make sense to put extra money into your mortgage. The real estate market may be shaky for a while longer, and "you don't want to tie up your cash in your home and then not be able to sell," says La Jolla, Calif., financial planner Christopher Van Slyke.

What do you really gain from the interest tax deduction? 

Assuming you itemize your deductions, you can find out what you save by multiplying the mortgage interest you paid last year by your tax rate (federal plus state). A couple in the 28% tax bracket, with a $200,000 loan at 5%, for example, will save $2,781 in taxes the first year of a loan.
Your tax savings decline the further you get into the loan, as more money is applied toward principal.

For many retirees and near-retirees close to the end of the mortgage, the interest deduction is not a reason to avoid paying off the loan, especially since retirees often end up in a lower tax bracket, says planner Peter Canniff of Nashua, N.H.

How would you otherwise invest the money? 

Put your money into stocks and bonds and you're likely to get a higher return over the long run than you would paying off your home loan, given today's low rates.
If you itemize, you can calculate your effective return by multiplying your mortgage rate and your tax rate, then subtracting the answer from your mortgage rate (you can do this with the mortgage tax-deduction calculator at bankrate.com/calculators.aspx).

So for someone in the 28% tax bracket with a 5% mortgage, the effective rate of return on paying off the mortgage is 3.6%. By comparison, a 50/50 stock/bond portfolio has historically earned 8.2% long term, though it's sensible to expect future returns to be a more modest 6%.
Still, if you're very skittish about the market or are a retiree keeping a big chunk of money in low-earning CDs, you might do better by losing the loan, given that the average five-year CD is paying just 1.6%.
"For retirees, it's hard to beat the guaranteed return," says Anthony Webb, an economist at Boston College's Center for Retirement Research.

Will being debt-free help you sleep better? 

In that case, you might be willing to forgo the extra return you could earn in the market. "Less stress, less worry," says Orlando-area planner Brian Fricke. "Sometimes that matters more than the math."


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The best time-saving tips, techniques, and to-do lists for polishing off the kitchen.

Kitchen Cleaning To-Do List
Photo: Frances Janisch

Kitchen Cleaning To-Do List

When cleaning the kitchen always start with the sink. "Keep it empty and shining," says Marla Cilley, author of Sink Reflections (Bantam, $15, amazon.com) and creator of FlyLady.net, a housekeeping website.

A sparkling sink becomes your kitchen's benchmark for hygiene and tidiness, inspiring you to load the dishwasher immediately and keep counters, refrigerator doors, and the stove top spick-and-span, too.

Every Day Kitchen Duties:
• Wipe down the sink after doing the dishes or loading the dishwasher (30 seconds).
• Wipe down the stove top (one minute).
• Wipe down the counters (one minute).
• Sweep, Swiffer, or vacuum the floor (two minutes).

More from RealSimple.com: 
Every Week :
• Mop the floor (five minutes).
• Wipe the cabinets, backsplashes, and appliances (10 minutes).
• Wash the dish rack (four minutes).
• Wipe the switch plates and phone (one minute).
• Wipe the inside of the garbage can (one minute). 
Every Season:
• Empty and scrub down the inside of the refrigerator (30 minutes).
• Empty and clean the insides of the utensil drawers (15 minutes).
• Scrub down the cupboard exteriors (30 minutes).
• Clean the stove-hood filter (10 minutes).
• Perform "Shiny Sink 101". (See Below)

Let It Shine
Photo: Mikkel Vang

Beat the Clock

In the time it takes to brew a pot of coffee, you can get through your "every day" list.

Be Prepared

Keep extra garbage bags (or a whole roll) at the bottom of your trash can and never again have to retrieve an apple core from a bagless bin.

Let It Shine

Streak-free stainless-steel surfaces are the Holy Grail of kitchen cleaning. Caldrea's olive oil–based Stainless Steel Spray promises to reduce fingerprints. (Starting at $12, Yahoo! Shopping)





Shiny Sink 101
Photo: Frances Janisch

Shiny Sink 101

1. Fill sink to the rim with very hot water; add one cup regular bleach. Soak for one hour.
2. Drain and rinse thoroughly.
3. Scrub with Ajax, Bon Ami, or baking soda.
4. Be sure to rinse thoroughly.
5. Shine with Windex or another glass-cleaning spray. Dry thoroughly.





Cleaning Kitchen Odds and Ends
Photo: Mikkel Vang

 

Cleaning Kitchen Odds and Ends

The quickest way to clean and disinfect these supplies is to put them in the dishwasher.
• Burner grids and knobs
• Brushes and combs
• Toothbrushes
• Plastic utensil organizer
• Refrigerator drawers
• Drain catch
• Sponges
• Dish rack
• Plastic toys (use discretion)





Cleaning Supplies to Keep in the Kitchen
Photo: Mikkel Vang

Cleaning Supplies to Keep in the Kitchen

Clorox Disinfecting Wipes (Starting at $4, Yahoo! Shopping): for all hard, nonwood surfaces. They leave a fresh, nonchemical scent.

Windex Glass and Surface Wipes (Starting at $4.50, Yahoo! Shopping): for windows and chrome.

Microfiber cloths and mops, such as StarFiber ($17 for mops, $3-$11 for cloths; starfibers.com) or Act Natural ($22 for mop, $10.50 for cloth; euronetusa.com: green alternatives to disposable wipes, or to chemical cleaners and paper towels. For cleaning all surfaces. Especially effective for polishing stainless steel.
Bleach.
Ajax ($2.70 drugstore.com), Bon Ami ($4, drugstore.com), or baking soda.

Clorox ReadyMop (Starting at $16 for starter kit, Yahoo! Shopping): Wash the floor without a bucket. Works on most surfaces.

• Broom, Swiffer (Starting at $11 for starter kit, Yahoo! Shopping), or handheld vacuum: for crumb busting.

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Meet The Dorky, Controversial Mascots For The 2014 Olympics


A snowboarding leopard, a figure-skating bunny and a polar bear wearing a scarf will be the three mascots for the 2014 Winter Olympics in Russia. Though those are some of the safest choices imaginable, the decision has led to charges of plagiarism, corruptibility and vote-rigging.

The winners were announced on a live television show broadcast throughout the country. Viewers cast over 1 million votes for the nine candidates and officials selected the top-three to serve as Sochi's official mascots. The snow leopard came out on top with 28 percent of the vote.

The announcement was not without some controversy. Ded Morez, the Russian equivalent of Santa Claus, had led in early polling but was pulled from the ballot at the last second when Russian organizers feared that their country's folk hero would become official property of the IOC. That decision left room for the following three winners, which are said to "encapsulate much of Russia's self-image."

Snow leopard

The snow leopard was the favorite of Vladimir Putin's. The Russian prime minister favored the cat because he is "big, strong, fast and beautiful." Not coincidentally, the mascot's popularity rose once Putin threw support its way. Its self-confidence swagger is "not unlike Putin's own projection of machismo" and the fact that the leopard enjoys the prime minister's favored martial arts makes some think the character was based on Putin himself.

Prominent Russian political analyst Dmitry Oreshkin told a Moscow radio station that he believes there may have been some voting irregularities in the telephone voting system that led to the leopard's victory. The insinuation is that Putin wanted the leopard so the leopard somehow made it to the top of the voting. That's silly. A rigged vote in Russia? Preposterous!

Bunny

The bunny will be wear ice skates in a nod to Russia's once-great figure skating program. No word on whether the bunny was in cahoots with the French judge to help with the victory.  

Polar bear


The Associated Press says the final mascot looks "dorky." Whether that's true or not (and it totally is), the creator of Russia's last Olympic mascot says it's plagiarism. Viktor Chizhikov, the man who designed the mascot to the 1980 Summer Olympics in Moscow, believes this bear is a direct copy of his.

"This polar bear, everything is taken from mine, the eyes, nose, mouth, smile," he told a Moscow radio station. "I don't like being robbed."
You be the judge:
Yes, both bears have eyes, noses, mouths and smiles, as do all cartoon bears. There's only so many ways to draw an anthropomorphic cartoon bear. You don't see Winnie the Pooh with snarling fangs, you know?

One is white and has a scarf. The other is brown and wearing an Olympic ring belt buckle. Other than the fact that they're both from the ursus genus, there aren't many similarities. The Sochi mascot may be unoriginal, uninspired and bland, but it's not a copy.

Olympic officials are in a no-win situation when it comes to choosing mascots. If they go for something different, they're ripped for making nonsensical choices that have nothing to do with sports or the host city. If they play it safe, the officials get lambasted for not having any vision.

Mascots exist for merchandising and it's easy to image a child snuggling up with a Sochi polar bear or playing a video game with the snowboarding lion. Sochi's choices aren't groundbreaking but they're not awful and they'll serve the purpose for which they were created. And, best of all, they won't terrify children like these guys

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Mass.Company Making Diesel with Sun, Water, CO2

This Oct. 26, 2010 photograph provided by Joule ...



CAMBRIDGE, Mass. – A Massachusetts biotechnology company says it can produce the fuel that runs Jaguars and jet engines using the same ingredients that make grass grow.

Joule Unlimited has invented a genetically-engineered organism that it says simply secretes diesel fuel or ethanol wherever it finds sunlight, water and carbon dioxide.

The Cambridge, Mass.-based company says it can manipulate the organism to produce the renewable fuels on demand at unprecedented rates, and can do it in facilities large and small at costs comparable to the cheapest fossil fuels.

What can it mean? No less than "energy independence," Joule's web site tells the world, even if the world's not quite convinced.
"We make some lofty claims, all of which we believe, all which we've validated, all of which we've shown to investors," said Joule chief executive Bill Sims.

"If we're half right, this revolutionizes the world's largest industry, which is the oil and gas industry," he said. "And if we're right, there's no reason why this technology can't change the world."
The doing, though, isn't quite done, and there's skepticism Joule can live up to its promises.

National Renewable Energy Laboratory scientist Philip Pienkos said Joule's technology is exciting but unproven, and their claims of efficiency are undercut by difficulties they could have just collecting the fuel their organism is producing.

Timothy Donohue, director of the Great Lakes Bioenergy Research Center at the University of Wisconsin-Madison, says Joule must demonstrate its technology on a broad scale.
Perhaps it can work, but "the four letter word that's the biggest stumbling block is whether it `will' work," Donohue said. "There are really good ideas that fail during scale up."
Sims said he knows "there's always skeptics for breakthrough technologies."
"And they can ride home on their horse and use their abacus to calculate their checkbook balance," he said.

Joule was founded in 2007. In the last year, it's roughly doubled its employees to 70, closed a $30 million second round of private funding in April and added John Podesta, former White House chief of staff under President Bill Clinton, to its board of directors.

The company worked in "stealth mode" for a couple years before it recently began revealing more about what it was doing, including with a patent for its cyanobacterium last year. This month, it released a peer-reviewed paper it says backs its claims.
Work to create fuel from solar energy has been done for decades, such as by making ethanol from corn or extracting fuel from algae. But Joule says they've eliminated the middleman that's makes producing biofuels on a large scale so costly.

That middleman is the "biomass," such as the untold tons of corn or algae that must be grown, harvested and destroyed to extract a fuel that still must be treated and refined to be used. Joule says its organisms secrete a completed product, already identical to diesel fuel or ethanol, then live on to keep producing it at remarkable rates.

Joule claims, for instance, that its cyanobacterium can produce 15,000 gallons of diesel full per acre annually, over four times more than the most efficient algal process for making fuel. And they say they can do it at $30 a barrel.

A key for Joule is the cyanobacterium it chose, which is found everywhere and is less complex than algae, so it's easier to genetically manipulate, said biologist Dan Robertson, Joule's top scientist.
The organisms are engineered to take in sunlight and carbon dioxide, then produce and secrete ethanol or hydrocarbons — the basis of various fuels, such as diesel — as a byproduct of photosynthesis.
The company envisions building facilities near power plants and consuming their waste carbon dioxide, so their cyanobacteria can reduce carbon emissions while they're at it.

The flat, solar-panel style "bioreactors" that house the cyanobacterium are modules, meaning they can build arrays at facilities as large or small as land allows, the company says. The thin, grooved panels are designed for maximum light absorption, and also so Joule can efficiently collect the fuel the bacteria secrete.

Recovering the fuel is where Joule could find significant problems, said Pienkos, the NREL scientist, who is also principal investigator on a Department of Energy-funded project with Algenol, a Joule competitor that makes ethanol and is one of the handful of companies that also bypass biomass.
Pienkos said his calculations, based on information in Joule's recent paper, indicate that though they eliminate biomass problems, their technology leaves relatively small amounts of fuel in relatively large amounts of water, producing a sort of "sheen." They may not be dealing with biomass, but the company is facing complicated "engineering issues" in order to recover large amounts of its fuel efficiently, he said.

"I think they're trading one set of problems for another," Pienkos said.
Success or failure for Joule comes soon enough. The company plans to break ground on a 10-acre demonstration facility this year, and Sims says they could be operating commercially in less than two years.

Robertson talks wistfully about the day he'll hop into the Ferrari he doesn't have, fill it with Joule fuel and gun the engine in an undeniable demonstration of the power and reality of Joule's ideas. Later, after leading a visitor on a tour of the labs, Robertson comes upon a poster of a sports car on an office wall, and it reminds him of the success he's convinced is coming. He motions to the picture.
"I wasn't kidding about the Ferrari," he says.




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AP IMPACT: Past Medical Testing On Humans Revealed





ATLANTA – Shocking as it may seem, U.S. government doctors once thought it was fine to experiment on disabled people and prison inmates. Such experiments included giving hepatitis to mental patients in Connecticut, squirting a pandemic flu virus up the noses of prisoners in Maryland, and injecting cancer cells into chronically ill people at a New York hospital.

Much of this horrific history is 40 to 80 years old, but it is the backdrop for a meeting in Washington this week by a presidential bioethics commission. The meeting was triggered by the government's apology last fall for federal doctors infecting prisoners and mental patients in Guatemala with syphilis 65 years ago.

U.S. officials also acknowledged there had been dozens of similar experiments in the United States — studies that often involved making healthy people sick.

An exhaustive review by The Associated Press of medical journal reports and decades-old press clippings found more than 40 such studies. At best, these were a search for lifesaving treatments; at worst, some amounted to curiosity-satisfying experiments that hurt people but provided no useful results.


FILE - In this June 25, 1945 picture, army doctors expose patients to malaria-carrying mosquitoes in the malaria ward at Stateville Penitentiary in Cr


 Inevitably, they will be compared to the well-known Tuskegee syphilis study. In that episode, U.S. health officials tracked 600 black men in Alabama who already had syphilis but didn't give them adequate treatment even after penicillin became available.
These studies were worse in at least one respect — they violated the concept of "first do no harm," a fundamental medical principle that stretches back centuries.

"When you give somebody a disease — even by the standards of their time — you really cross the key ethical norm of the profession," said Arthur Caplan, director of the University of Pennsylvania's Center for Bioethics.
Some of these studies, mostly from the 1940s to the '60s, apparently were never covered by news media. Others were reported at the time, but the focus was on the promise of enduring new cures, while glossing over how test subjects were treated.

Attitudes about medical research were different then. Infectious diseases killed many more people years ago, and doctors worked urgently to invent and test cures. Many prominent researchers felt it was legitimate to experiment on people who did not have full rights in society — people like prisoners, mental patients, poor blacks. It was an attitude in some ways similar to that of Nazi doctors experimenting on Jews.

"There was definitely a sense — that we don't have today — that sacrifice for the nation was important," said Laura Stark, a Wesleyan University assistant professor of science in society, who is writing a book about past federal medical experiments.
The AP review of past research found:

_A federally funded study begun in 1942 injected experimental flu vaccine in male patients at a state insane asylum in Ypsilanti, Mich., then exposed them to flu several months later. It was co-authored by Dr. Jonas Salk, who a decade later would become famous as inventor of the polio vaccine.
Some of the men weren't able to describe their symptoms, raising serious questions about how well they understood what was being done to them. One newspaper account mentioned the test subjects were "senile and debilitated." Then it quickly moved on to the promising results.

_In federally funded studies in the 1940s, noted researcher Dr. W. Paul Havens Jr. exposed men to hepatitis in a series of experiments, including one using patients from mental institutions in Middletown and Norwich, Conn. Havens, a World Health Organization expert on viral diseases, was one of the first scientists to differentiate types of hepatitis and their causes.
A search of various news archives found no mention of the mental patients study, which made eight healthy men ill but broke no new ground in understanding the disease.

_Researchers in the mid-1940s studied the transmission of a deadly stomach bug by having young men swallow unfiltered stool suspension. The study was conducted at the New York State Vocational Institution, a reformatory prison in West Coxsackie. The point was to see how well the disease spread that way as compared to spraying the germs and having test subjects breathe it. Swallowing it was a more effective way to spread the disease, the researchers concluded. The study doesn't explain if the men were rewarded for this awful task.

_A University of Minnesota study in the late 1940s injected 11 public service employee volunteers with malaria, then starved them for five days. Some were also subjected to hard labor, and those men lost an average of 14 pounds. They were treated for malarial fevers with quinine sulfate. One of the authors was Ancel Keys, a noted dietary scientist who developed K-rations for the military and the Mediterranean diet for the public. But a search of various news archives found no mention of the study.

_For a study in 1957, when the Asian flu pandemic was spreading, federal researchers sprayed the virus in the noses of 23 inmates at Patuxent prison in Jessup, Md., to compare their reactions to those of 32 virus-exposed inmates who had been given a new vaccine.
_Government researchers in the 1950s tried to infect about two dozen volunteering prison inmates with gonorrhea using two different methods in an experiment at a federal penitentiary in Atlanta. The bacteria was pumped directly into the urinary tract through the penis, according to their paper.

The men quickly developed the disease, but the researchers noted this method wasn't comparable to how men normally got infected — by having sex with an infected partner. The men were later treated with antibiotics. The study was published in the Journal of the American Medical Association, but there was no mention of it in various news archives.
Though people in the studies were usually described as volunteers, historians and ethicists have questioned how well these people understood what was to be done to them and why, or whether they were coerced.

Prisoners have long been victimized for the sake of science. In 1915, the U.S. government's Dr. Joseph Goldberger — today remembered as a public health hero — recruited Mississippi inmates to go on special rations to prove his theory that the painful illness pellagra was caused by a dietary deficiency. (The men were offered pardons for their participation.)

But studies using prisoners were uncommon in the first few decades of the 20th century, and usually performed by researchers considered eccentric even by the standards of the day. One was Dr. L.L. Stanley, resident physician at San Quentin prison in California, who around 1920 attempted to treat older, "devitalized men" by implanting in them testicles from livestock and from recently executed convicts.

Newspapers wrote about Stanley's experiments, but the lack of outrage is striking.
"Enter San Quentin penitentiary in the role of the Fountain of Youth — an institution where the years are made to roll back for men of failing mentality and vitality and where the spring is restored to the step, wit to the brain, vigor to the muscles and ambition to the spirit. All this has been done, is being done ... by a surgeon with a scalpel," began one rosy report published in November 1919 in The Washington Post.

Around the time of World War II, prisoners were enlisted to help the war effort by taking part in studies that could help the troops. For example, a series of malaria studies at Stateville Penitentiary in Illinois and two other prisons was designed to test antimalarial drugs that could help soldiers fighting in the Pacific.

It was at about this time that prosecution of Nazi doctors in 1947 led to the "Nuremberg Code," a set of international rules to protect human test subjects. Many U.S. doctors essentially ignored them, arguing that they applied to Nazi atrocities — not to American medicine.
The late 1940s and 1950s saw huge growth in the U.S. pharmaceutical and health care industries, accompanied by a boom in prisoner experiments funded by both the government and corporations. By the 1960s, at least half the states allowed prisoners to be used as medical guinea pigs.
But two studies in the 1960s proved to be turning points in the public's attitude toward the way test subjects were treated.

The first came to light in 1963. Researchers injected cancer cells into 19 old and debilitated patients at a Jewish Chronic Disease Hospital in the New York borough of Brooklyn to see if their bodies would reject them.


The hospital director said the patients were not told they were being injected with cancer cells because there was no need — the cells were deemed harmless. But the experiment upset a lawyer named William Hyman who sat on the hospital's board of directors. The state investigated, and the hospital ultimately said any such experiments would require the patient's written consent.
At nearby Staten Island, from 1963 to 1966, a controversial medical study was conducted at the Willowbrook State School for children with mental retardation. The children were intentionally given hepatitis orally and by injection to see if they could then be cured with gamma globulin.

Those two studies — along with the Tuskegee experiment revealed in 1972 — proved to be a "holy trinity" that sparked extensive and critical media coverage and public disgust, said Susan Reverby, the Wellesley College historian who first discovered records of the syphilis study in Guatemala.
By the early 1970s, even experiments involving prisoners were considered scandalous. In widely covered congressional hearings in 1973, pharmaceutical industry officials acknowledged they were using prisoners for testing because they were cheaper than chimpanzees.

Holmesburg Prison in Philadelphia made extensive use of inmates for medical experiments. Some of the victims are still around to talk about it. Edward "Yusef" Anthony, featured in a book about the studies, says he agreed to have a layer of skin peeled off his back, which was coated with searing chemicals to test a drug. He did that for money to buy cigarettes in prison.
"I said 'Oh my God, my back is on fire! Take this ... off me!'" Anthony said in an interview with The Associated Press, as he recalled the beginning of weeks of intense itching and agonizing pain.

The government responded with reforms. Among them: The U.S. Bureau of Prisons in the mid-1970s effectively excluded all research by drug companies and other outside agencies within federal prisons.
As the supply of prisoners and mental patients dried up, researchers looked to other countries.
It made sense. Clinical trials could be done more cheaply and with fewer rules. And it was easy to find patients who were taking no medication, a factor that can complicate tests of other drugs.
Additional sets of ethical guidelines have been enacted, and few believe that another Guatemala study could happen today. "It's not that we're out infecting anybody with things," Caplan said.
Still, in the last 15 years, two international studies sparked outrage.

One was likened to Tuskegee. U.S.-funded doctors failed to give the AIDS drug AZT to all the HIV-infected pregnant women in a study in Uganda even though it would have protected their newborns. U.S. health officials argued the study would answer questions about AZT's use in the developing world.

The other study, by Pfizer Inc., gave an antibiotic named Trovan to children with meningitis in Nigeria, although there were doubts about its effectiveness for that disease. Critics blamed the experiment for the deaths of 11 children and the disabling of scores of others. Pfizer settled a lawsuit with Nigerian officials for $75 million but admitted no wrongdoing.

Last year, the U.S. Department of Health and Human Services' inspector general reported that between 40 and 65 percent of clinical studies of federally regulated medical products were done in other countries in 2008, and that proportion probably has grown. The report also noted that U.S. regulators inspected fewer than 1 percent of foreign clinical trial sites.

Monitoring research is complicated, and rules that are too rigid could slow new drug development. But it's often hard to get information on international trials, sometimes because of missing records and a paucity of audits, said Dr. Kevin Schulman, a Duke University professor of medicine who has written on the ethics of international studies.

These issues were still being debated when, last October, the Guatemala study came to light.
In the 1946-48 study, American scientists infected prisoners and patients in a mental hospital in Guatemala with syphilis, apparently to test whether penicillin could prevent some sexually transmitted disease. The study came up with no useful information and was hidden for decades.

The Guatemala study nauseated ethicists on multiple levels. Beyond infecting patients with a terrible illness, it was clear that people in the study did not understand what was being done to them or were not able to give their consent. Indeed, though it happened at a time when scientists were quick to publish research that showed frank disinterest in the rights of study participants, this study was buried in file drawers.

"It was unusually unethical, even at the time," said Stark, the Wesleyan researcher.
"When the president was briefed on the details of the Guatemalan episode, one of his first questions was whether this sort of thing could still happen today," said Rick Weiss, a spokesman for the White House Office of Science and Technology Policy.

That it occurred overseas was an opening for the Obama administration to have the bioethics panel seek a new evaluation of international medical studies. The president also asked the Institute of Medicine to further probe the Guatemala study, but the IOM relinquished the assignment in November, after reporting its own conflict of interest: In the 1940s, five members of one of the IOM's sister organizations played prominent roles in federal syphilis research and had links to the Guatemala study.

So the bioethics commission gets both tasks. To focus on federally funded international studies, the commission has formed an international panel of about a dozen experts in ethics, science and clinical research. Regarding the look at the Guatemala study, the commission has hired 15 staff investigators and is working with additional historians and other consulting experts.
The panel is to send a report to Obama by September. Any further steps would be up to the administration.


Some experts say that given such a tight deadline, it would be a surprise if the commission produced substantive new information about past studies. "They face a really tough challenge," Caplan said.











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top 20 Latest And Most Popular Software Of 2011 For Free

Software are one of the best thing which make any operating system work better.Software is one of the main necessity of operating system without it operating system is nothing, We all know that people always try to explore new software and tool for operating system to make working of system smooth.

Since discovery of software online is very popular task so i decided to make a list of best software which is search with greater interest by the people all over the world.


1.AVG Anti-Virus Free Edition 2011




AVG is antivirus which is one of the best antivirus which protect your computer from viruses and malicious programs.
 
2.Avast Free Antivirus



Avast is also another antivirus which is also downloaded with greater interest.It help to Protect your PC against the latest viruses and spyware.

3.YouTube Downloader


Youtube downloader is another tool with help of which you can download youtube videos and convert in any format or you can also get HD video using this awesome tool.

4.TeamViewer


TeamViewer is one of the best software which i also used by using this excellent tool you are able to Share your desktop with another person via the web.

5.Malwarebytes Anti-Malware


Mawarebytes is an Anti-malware by using which you can easily Detect and quickly remove malicious threats to your computer.

6.PhotoScape


Photoscape is awesome tool with help of which you can easily View, edit, print, or add frames to your photos.

7.Avira AntiVir Personal - Free Antivirus


Avira AntiVir Personal is another cool antivirus which is also used all over the world.This mainly detect and eliminate viruses, get free protection for home users

8.WinRAR (32-bit)


WinRar is another good software I,think which is need by all of us it help to take full control over RAR and ZIP archives, along with unpacking a dozen other archive formats.

9.Advanced SystemCare Free

 Systemcareis another good and cool software which help to Repair Registry, tune-up, and maintain the computer system performance.

10.Virtual DJ


By using this tool you can easily mix, scratch, and remix MP3 or music videos live.You can make music of your desire by using this tool.

11.Free YouTube to MP3 Converter


Youtube to mp3 is another cool tool which help extract music from YouTube movies as MP3 files which help to get mp3 format from any video.

12.Ad-Aware Free Internet Security


Ad-Aware Free Internet Security also a good free software protect your personal home computer from malware attacks.

13.Camfrog Video Chat


Camfrog is another cool tool for video chat with the help of which you can join live-video chat rooms from around the world.

14.VLC Media Player


VLC player is a good music player by using which you can play audio and video files in real-time and streaming modes.


15.GOM Media Player


GOM player is another good media player by using which you can play video files of multiple video formats.

16.Internet Download Manager


Internet download Manager is awesome tool which help to increase your connection speed and recover broken downloads as like Bit torrent .

17.Glary Utilities


Glary is cool utility which help to fix, speed up, maintain, and protect your PC.

18.FreeZ Online TV


Freez online TV is another good tool by using which you can receive over 500+ free online channels of daily and live broadcasts.

19.CCleaner


CCleaner is another good software with help of which you can clean up junk files and invalid Registry entries.

20.MyVideoConverter


My video converter is great tool with help of which you can Convert video files to various formats and extract audio tracks.

And if you think you have much better software instead of these then just drop them in my comment section 


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Top 10 Most Horrifying Humans

 
10- Delphine LaLaurie
 
Delphine-Lalaurie-Painting
LaLaurie was a sadistic socialite who lived in New Orleans. Her home was a chamber of horrors. On April 10, 1834, a fire broke out in the mansion’s kitchen, and firefighters found two slaves chained to the stove. They appeared to have started the fire themselves, in order to attract attention. The firefighters were lead by other slaves to the attic, where the real surprise was. Over a dozen disfigured and maimed slaves were manacled to the walls or floors. Several had been the subjects of gruesome medical experiments.

One man appeared to be part of some bizarre sex change, a woman was trapped in a small cage with her limbs broken and reset to look like a crab, and another woman with arms and legs removed, and patches of her flesh sliced off in a circular motion to resemble a caterpillar. Some had had their mouths sewn shut, and had subsequently starved to death, whilst others had their hands sewn to different parts of their bodies.

Most were found dead, but some were alive and begging to be killed, to release them from the pain. LaLaurie fled before she could be bought to justice – she was never caught.



9- Ilse Koch
 
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Known as The “Bitch of Buchenwald” because of her sadistic cruelty towards prisoners, Ilse Koch was married to another evil Nazi, who served in the SS, Karl Otto Koch, but outshone him in the depraved, inhumane disregard for life which was her trademark.

She used her sexual prowess by wandering around the camps naked, with a whip, and if any man so much as glanced at her she would have them shot on the spot.

The most infamous accusation against Ilse Koch was that she had selected inmates with interesting tattoos to be killed, so that their skins could be made into lampshades for her home (though, unfortunately, no evidence of these lampshades has been found).

After the war she was arrested and spent time in prison on different charges, eventually hanging herself in her cell in 1967, apparently consumed by guilt.

 
 
 
8- Shirō Ishii
 
Shiro Ishii 1
Ishii was a microbiologist and the lieutenant general of Unit 731, a biological warfare unit of the Imperial Japanese Army during the Second Sino-Japanese War. He was born in the former Shibayama Village of Sanbu District in Chiba Prefecture, and studied medicine at Kyoto Imperial University.

In 1932, he began his preliminary experiments in biological warfare as a secret project for the Japanese military. In 1936, Unit 731 was formed. Ishii built a huge compound — more than 150 buildings over six square kilometers — outside the city of Harbin, China.

Some of the numerous atrocities committed by Ishii, and others under his command in Unit 731, include: vivisection of living people (including pregnant women who were impregnated by the doctors), prisoners had limbs amputated and reattached to other parts of their body, some prisoners had parts of their bodies frozen and thawed to study the resulting untreated gangrene. Humans were also used as living test cases for grenades and flame throwers.

Prisoners were injected with inoculations of disease, disguised as vaccinations, to study their effects. To study the effects of untreated venereal diseases, male and female prisoners were deliberately infected with syphilis and gonorrhea via rape, then studied.

Having been granted immunity by the American Occupation Authorities at the end of the war, Ishii never spent any time in jail for his crimes and died at the age of 67, of throat cancer.



7- Ivan IV of Russia
 
Ivan The Terrible
Ivan IV of Russia, also know as Ivan the Terrible, was the Grand Duke of Muscovy, from 1533 to 1547, and was the first ruler of Russia to assume the title of Tsar. In 1570, Ivan was under the belief that the elite of the city of Novgorod planned to defect to Poland, and led an army to stop them, on January 2.

Ivan’s soldiers built walls around the perimeter of the city in order to prevent the people of the city escaping. Between 500 and 1000 people were gathered every day by the troops, then tortured and killed in front of Ivan and his son. In 1581, Ivan beat his pregnant daughter-in-law for wearing immodest clothing, causing a miscarriage.

His son, also named Ivan, upon learning of this, engaged in a heated argument with his father, which resulted in Ivan striking his son in the head with his pointed staff, causing his son’s (accidental) death.

 
 
6- Oliver Cromwell
 
Oliver-Cromwell
The Cromwellian conquest of Ireland (1649–53) refers to the re-conquest of Ireland by the forces of the English Parliament, led by Oliver Cromwell, during the Wars of the Three Kingdoms. The consequence of this conquest (in order to displace Catholic authority) was 200,000 civilian deaths from war-related famine and disease, and 50 thousand Irish being taken as slaves.

Cromwell considered Catholics to be heretics so the Irish conquest was a modern day Crusade for him. The bitterness caused by the Cromwellian settlement was a powerful source of Irish nationalism from the 17th century onwards. He died in 1658, and was so hated that, in 1661, he was exhumed from the grave and given a posthumous execution – his corpse was hung in chains at Tyburn, and he was later dismembered and his remains thrown into a pit, with his head being displayed on a pole outside

Westminster Hall for the next twenty-four years.


 
5- Jiang Qing
 
Jiangqing
Jiang Qing was the wife of Mao Tse-tung, the Communist dictator of China. Through clever maneuvering, she managed to reach the highest position of power within the communist party (short of being President). It is believed that she was the main driving force behind China’s Cultural Revolution (of which she was the deputy director).

During the Cultural Revolution, much economic activity was halted, and countless ancient buildings, artifacts, antiques, books and paintings were destroyed by Red Guards. The 10 years of the Cultural Revolution also brought the education system to a virtual halt, and many intellectuals were sent to prison camps. Millions of people in China, reportedly, had their human rights annulled during the Cultural Revolution.

Millions more were also forcibly displaced. Estimates of the death toll – civilians and Red Guards – from various Western and Eastern sources are about 500,000 in the true years of chaos of 1966—1969, but some estimates are as high as 3 million deaths, with 36 million being persecuted.

 
 
4- Pol Pot
 
Polpot
Pol Pot was the leader of the Khmer Rouge and the Prime Minister of Cambodia, from 1976 to 1979, having been de facto leader since mid-1975. During his time in power, Pol Pot imposed an extreme version of agrarian communism where all city dwellers were relocated to the countryside to work in collective farms and forced labour projects.

The combined effect of slave labour, malnutrition, poor medical care and executions is estimated to have killed around 2 million Cambodians (approximately one third of the population).

His regime achieved special notoriety for singling out all intellectuals and other “bourgeois enemies” for murder. The Khmer Rouge committed mass executions in sites known as the Killing Fields. The executed were buried in mass graves. In order to save ammunition, executions were often carried out using hammers, axe handles, spades or sharpened bamboo sticks.

 
 
Himmler-4803- Heinrich Himmler
 

Heinrich Himmler, the architect of the holocaust and final solution, and considered to be the biggest mass murderer ever, by some (although it’s really Josef Stalin).

The holocaust would not have happened if not for this man. He tried to breed a master race of Nordic appearance, the Aryan race.

His plans for racial purity were ended by Hitler’s vanity in making rash military decisions rather than letting his generals make them, thus ending the war prematurely. Himmler was captured after the war.

He unsuccessfully tried to negotiate with the west, and was genuinely shocked to be treated as a criminal upon capture. He committed suicide by swallowing a cyanide capsule he had bit upon.

 
 
 
2- Adolf Hitler
 
Hitler1
Adolf Hitler was appointed Chancellor of Germany in 1933, becoming “Führer” in 1934 until his suicide in 1945. By the end of the second world war, Hitler’s policies of territorial conquest and racial subjugation had brought death and destruction to tens of millions of people, including the genocide of some six million Jews, in what is now known as the Holocaust.

On 30 April, 1945, after intense street-to-street combat, when Soviet troops were spotted within a block or two of the Reich Chancellory, Hitler committed suicide, shooting himself while simultaneously biting into a cyanide capsule. Hitler ranks over Himmler merely for the fact that it was in his power to prevent Himmler’s policies being implemented.

 
 
Stalin-21- Josef Stalin
 

Stalin was General Secretary of the Communist Party of the Soviet Union’s Central Committee, from 1922 until his death, in 1953.

Under Stalin’s leadership, the Ukraine suffered from a famine (Holodomor) so great it is considered by many to be an act of genocide on the part of Stalin’s government. Estimates of the number of deaths range from 2.5 million to 10 million.

The famine was caused by direct political and administrative decisions. In addition to the famine, Stalin ordered purges within the Soviet Union of any person deemed to be an enemy of the state.

In total, estimates of the number murdered under Stalins reign, range from 10 million to 60 million.

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Top 10 Powers of the World’s Special Forces

10- Spetsnaz
 
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Whereas most of the training regimens of militaries around the world are designed to teach, Russia’s Special Purpose Regiments, equivalent to the U. S. Green Berets, endure punishment daily throughout their training. They may quit anytime they want. The Spetsnaz want only the best, pain-hardened, battle-loving killers.

They spar with the express goal of injuring each other, breaking ribs, fingers, vertebrae, healing only long enough to get back on their feet and complete the training. They are typically deployed for reconnaissance or house-to-house close quarters combat, but are also employed as extremely formidable bodyguards for high-ranking politicians.

They claim that they are not taught to ignore pain, since that is impossible. They are instead taught to enjoy it.

 
 
9- French Naval Commandos
 
French Navy Commandos
They call themselves “berets verts,” or “green berets,” and consist of 6 units: Hubert, Trepel, de Montfort, de Penfentenyo, Jaubert, and Kieffer.

Each unit is trained for special tasks, whether combat diving, close quarters sea combat, exfiltration, canine units, or long range fire support, including snipers and missile launchers.

They were established much at the behest of Jacques-Yves Cousteau, who was a naval officer in WWII.

 
 

8- MARSOC
 
Marsoc Bow-Thumb-500X342
Currently, only men are allowed to try out for the U. S. Marine Corps Forces Special Operations Command. It’s primary missions are typically special reconnaissance, direct action, and internal defense within foreign nations.

Their training regimen is comprised of 4 phases, increasing in strenuousness. Phase 1 is SERE training, survival, evasion, resistance, escape. They are trained to make fire by friction, fire by mirrors, even fire by ice, depending on the location to which they are deployed. You mold the ice with the heat of your hands into the shape of a lens, which works just like a magnifying glass.

Of course, they take matches and Zippos with them. After this, they begin physical fitness training, and hand-to-hand combat, practicing a hybrid of the most functional martial arts: Jeet Kune Do, Wing Chun, Karate, Jiu-Jitsu, even Pankration. Then, Sayoc Kali, which is Filipino knife fighting.

This is just phase 1. Phase 2 is marksmanship, amphibious demolitions, reconnaissance. Phase 3 is a contrinuation of 2, but with the addition of field radioes and satellite data-uplink systems. Phase 4 is “irregular warfare” instruction, which is a euphemism for “anything goes.” This phase consists primarily of the Derna Bridge operation, which forces the recruits to use all skills acquired during the course.

 
 
7- MI-6
Government
The closest thing to James Bond can be found in the personnel of the UK’s Secret Intelligence Service, or Security Service, section 6. It works in close partnership with section 5 (MI-5), the latter which is more of a pure spy agency, dedicated to counter-intelligence and counter-espionage.

MI-6, however, is the unit which deploys its agents all over the world to detect international intelligence threats and “neutralize” them before they become truly dangerous. Their headquarters is at Vauxhall Cross, London, and they will be quick to tell you there that there is no James Bond among them, and that their assignments and missions are quite boring.

They do, however, have an agent very similar to “Q,” who is in charge of all equipment and weaponry deployed for each operation. They also have indoor firing ranges, dojos, and a gym.

 
 
6- U. S. Army Rangers
 
Armyrangers
After basic Army training, voluntary enlistment into the 75th Ranger Regiment will train the recruit for the HALO parachute jump, SERE, languages, elite combatives expert, mountain warfare, combat diving, in addition to all the weapons qualification training.

After nine weeks of this, they enroll in Advanced Individual Training, to become masters of their chosen fields, then immediately enroll in the Army Airborne School, then in Ranger Indoctrination or Orientation Programs.

By the time they’ve graduated, they’re so well trained that members have reported waking up screaming from nightmares about Ranger school to be relieved that they are only in Vietnam.

But then, they lose a few points for an incident a Ranger told me about: he was the captain of a tank regiment on maneuvers in the Amazon jungle. Just an exercise, but because of the sweltering heat, they had to open their tank hatches. This captain, who shall remain nameless, heard a thump behind him, and turned to see a Goliath Bird-eating Spider crawling toward him, raising its front legs and hissing.

He admits to screaming like a girl, knifing the tarantula, jumping out of the tank and running off into the jungle for a mile and a half. His buddies still rib him about it.


5- U. S. Army Green Berets
 
Screen Shot 2010-01-11 At 1.53.46 Pm
That’s their nickname. Technically they are the U. S. Army Special Forces, as opposed to the special forces of other countries, many of which also wear green berets.

Typically, the Green Berets are trained to administer “unconventional warfare,” which entails infiltrating a hostile area in anticipation of a large-scale military engagement, and training the local resistance populations to fight back against the enemy. This was done in South Vietnam, Iraq and Afghanistan, among others.

In the event that there is no local resistance to the enemy, the Green Berets infiltrate and soften up the enemy by “neutralizing” as many of its officers as possible. This usually involved sniping and throat cutting.

Training is very extensive and begins with the Army’s assessment of the recruit’s possession of 12 attributes: intelligence, physical fitness, motivation, trustworthiness, accountability, maturity, stability, judgment,
decisiveness, teamwork, influence, and communications. 40% of applicants satisfy the Army that they have these attributes.

Final training consists of various endurance courses, carrying heavy backpacks over 40 miles of rugged terrain, with nothing but a live chicken and a knife, day and night. If the recruit can make a fire, he can eat the chicken cooked. He is not given matches or a lighter. He is allowed only a compass and his own hand-drawn map, completed from earlier reconnaissance courses.



4- The Delta Force
 
Delta
The only official United States counter-terrorism unit, dedicated to hostage rescues, counter-insurgency, and general counter-terrorism. They’re full name is 1st Special Forces

Operational Detachment-Delta, managed by the Army. Selection is done according to a physical fitness test: situps, pushups, followed by a 3-mile run, in an undisclosed time limit.
Then an all-night, 18-mile hike over mountainous terrain with a 35 lb backpack and a compass, no map. This finally culminated with a 40-mile hike with a 45 lb backpack, in a shorter time limit.

Then psychologists conduct a grueling battery of mental exams on the recruit to try to break him into confusion. If he passes this, he actually gets to begin Delta Force training, for 6 months. Firearms, heavy weaponry, elite hand-to-hand training.



3- Shayetet 13
 
Speciality Israel02.Gif
The name means “Flotilla 13,” and their official motto is the same as the Israeli military: “Never Again,” in reference to the Holocaust. Their unofficial motto, as they like to joke, is “When the going gets tough, the Jews get pissed.”

They are 1 of the 3 most elite Israeli special forces units, but Shayetet 13 is the unit most similar to the Delta Force. They specialize in hostage rescue and counter-terrorism, and because they live so close to a host of nations that seem bent on eradicating them, they are at all times ready in an instant to travel abroad and kill.

They are very secretive, but of their missions publicized, the most notable include Operation Spring of Youth, in which they hunted down members of Black September in Beirut Lebanon and killed them, in revenge for the 1972 Munich massacre.

Apart from their firearms and heavy weapons training, they train extensively in Krav Maga, the national martial art of Israel, to which they endearingly refer as “Jew-jitsu.” It’s philosophy is based on the principle that in a real street fight no quarter will be asked or given. Fight to kill. Groin strikes are quite prevalent.

 
 
2- Navy SEALs
Navy-Seals
You might think there are a lot of them, given the number of action movies dedicated to the plot device of an invincible warrior, but there are only about 2,000 of them. They are the Unites States’s most elite special warfare combatants. They are trained in all the fields in which the other U. S. special forces are trained, but to an even higher degree of competency.

SEAL training lasts over a year, and requires an age of between 17 and 28 years, male, incorrect vision no worse than 20/200 in either eye, and correctable to 20/20, and the physical screening test, which is beyond belief.
500 yd (460 m) swim using breast or combat sidestroke in under 12:30 with a competitive time of under 10:30.

At least 42 push-ups in 2 minutes with a competitive count of 79 or more.
At least 50 sit-ups in 2 minutes with a competitive count of 79 or more.
At least 6 pull-ups from a dead hang (no time limit) with a competitive count of 11 or more.
Run 1.5 mi (2.4 km) in boots and trousers in under 11:30 with a competitive time of 10:20 or less.

Then training begins. Physical conditioning, diving, land warfare, for 24 weeks, then 26 more weeks of SEAL qualification training. Then specialization in whatever fields a SEAL team needs expertise in: anything from sniper to language specialist, rope climbing, diving, jumpmaster, surreptitious entry, dynamic entry (door breacher), etc.



1- British SAS
Action2Saswindow
The Special Air Service is trained to perform equally well in all the fields listed for the SEALs, but is also trained by MI-5 and MI-6 for in-depth counter-espionage, more so than the SEALs. Physical competency must be of equal stature to the SEALs, to the degree that both special forces work closely together when necessary (Iraq and Afghanistan) and have good camaraderie.

They wear a tan beret, just as the U. S. Army Rangers, and both the SAS and SEALs are trained in knife fighting by experts in Apache Indian knife techniques, as well as Sayoc Kali, Krav Maga, Jeet Kune Do, and for the last 3 years or so, the Keysi Fighting Method, made famous by the Chris Nolan “Batman” films.

They have the distinction of being the model on which almost all national commando units are based today, including every other entry on this list.


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