Sunday, March 31, 2013

Best bets: 'Mad Men' swings back onto the air

By Gael Fashingbauer Cooper, NBC News

Be they demons, advertising executives, or dinosaurs -- or all of the above -- a batch of familiar faces are back again this week. Here's our pick for the three best entertainment offerings of the week ahead.

Frank Ockenfels / AMC

"Mad Men" returns for its second-to-last season.

FRIDAY: 'Evil Dead'
The original "Evil Dead" film series has some of the scariest scenes in horror-film history. Yes, you always knew there was a reason to avoid creepy cellars in isolated cabins -- but maybe you never knew how scary tree branches could be. Original director Sam Raimi and star Bruce Campbell served as producers, and Oscar-winning "Juno" screenwriter Diablo Cody reportedly helped tweak the script. Variety calls the result, "The rare remake that likely will be enjoyed most by diehard fans of its predecessor." (Opens April 5.)

FRIDAY: 'Jurassic Park 3-D'
"Jurassic Park" is a great movie by itself, but we have high hopes for the 3-D version, which hits theaters this week to celebrate the film's 20th anniversary. Sure, going back to an already filmed movie and adding the extra dimension doesn't always work out, but we can't think of a film we'd more like to see it tried upon than this one. The raptors, the T-rex, the chilling hide-and-seek in the theme park's kitchen! Objects in mirror are closer than they appear. (Opens April 5.)

SUNDAY: 'Mad Men'
It's about time season six of "Mad Men" rolled around. It's 1967 -- or it was when we left off -- a tumultous time in the nation, and surely for our characters as well. The cast must continue to deal with the fallour from Lane's suicide, and Don and Megan grapple with issues in their own marriage as her career begins to rise. ?Showrunner Matthew Weiner isn't revealing much about what's coming, but he did promise the new season will bring "a lot of insight into Don, a new dynamic, and people striving to grow up. (Premieres April 7, 9 p.m., AMC.)

Related content:

Source: http://entertainment.nbcnews.com/_news/2013/03/28/17505880-best-bets-mad-men-swings-back-onto-the-air?lite

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N. Korea claims a 'state of war' with S. Korea

By Jack Kim

SEOUL (Reuters) - North Korea said on Saturday it was entering a "state of war" with South Korea in a continuing escalation of angry rhetoric directed at Seoul and Washington, but the South brushed off the statement as little more than tough talk.

The two Koreas have been technically in a state of war for six decades under an armistice that ended their 1950-53 conflict. Despite its threats few people see any indication Pyongyang will risk a near-certain defeat by re-starting full-scale war.

"From this time on, the North-South relations will be entering the state of war and all issues raised between the North and the South will be handled accordingly," a statement carried by the North's official KCNA news agency said.

KCNA said the statement was issued jointly by the North's government, ruling party and other organizations.

There was no sign of unusual activity in the North's military or anything to suggest an imminent aggression, a South Korean defense ministry official said.

North Korea has been threatening to attack the South and U.S. military bases almost on a daily basis since the beginning of March, when U.S. and South Korean militaries started routine drills.

But the North has kept a joint industrial zone with the South running. The Kaesong zone is a source of hard currency for the impoverished state and hundreds of South Korean workers and vehicles enter daily after crossing the heavily armed border between the rivals.

North Korean leader Kim Jong-un on Friday signed off on an order putting its missile units on standby to attack U.S. military bases in the South and the Pacific, after the United States flew two nuclear-capable stealth bombers over the Korean peninsula in a rare show of force.

U.S. officials said the B-2 bombers were on a diplomatic sortie aimed at reassuring allies South Korea and Japan and were also aimed at trying to nudge Pyongyang back to dialogue, although there was no guarantee Kim would get the message as intended.

The South Korean government brushed off the North's latest statement on Saturday, saying there was nothing fresh in it to cause greater alarm. South Koreans went about with daily lives as they have done through March under the North's constant threat of attack.

The Unification Ministry, which handles political ties with the North, said the Kaesong industrial park was operating as normal with workers and vehicles crossing the border both says.

"North Korea's statement today ? is not a new threat but is the continuation of provocative threats," a ministry statement said.

The Defence Ministry urged the North to stop issuing threats, reiterating the position that annual military drills conducted jointly with U.S. forces until the end of April were strictly defensive in nature.

The North's statement said it would respond "without mercy" to any action by the South that harmed its sovereignty, suggesting it was not about to mount a pre-emptive attack.

In 2010, North Korea bombed a South Korean island close to the maritime border that Pyongyang disputes, killing two civilians and two soldiers and prompting the South to strike back with artillery and sharply elevating tensions.

Earlier that year, a South Korean navy ship was struck by a torpedo and sank, killing 46 sailors in an incident widely blamed on the North's military although Pyongyang denies the charge.

(Additional reporting by Sung-won Shim and Jane Chung; Editing by Raju Gopalakrishnan)

Source: http://news.yahoo.com/north-korea-says-enter-state-war-against-south-001304441.html

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Commute From Earth To Space Station Just Got Shorter

U.S. astronaut Chris Cassidy gestures before Thursday's launch of the Soyuz from the Russian-leased Baikonur Cosmodrome in Kazakhstan.

Natalia Kolesnikova/AFP/Getty Images

U.S. astronaut Chris Cassidy gestures before Thursday's launch of the Soyuz from the Russian-leased Baikonur Cosmodrome in Kazakhstan.

Natalia Kolesnikova/AFP/Getty Images

Three astronauts have arrived at the International Space Station after being the first to try out a new "express" route that slashes their launch-to-docking commute from two days to just six hours.

The crew of the Soyuz capsule, Russians Pavel Vinogradov and Alexander Misurkin and American Chris Cassidy, docked with the ISS late Thursday after blasting off from the Baikonur Cosmodrome in Kazakhstan. En route to the station, they made "only four orbits instead of the usual two-day launch-to-docking mission profile for a Russian spacecraft," NASA says.

Although the expedited trip has been successful twice before with unmanned cargo-carrying Soyuz capsules known as Progress, the mission that docked Thursday is the first manned crew to accomplish the feat. The BBC says the speedy launch-to-docking was accomplished by "using intricate ballistics maneuvers [that] succeeded in cutting out around 30 orbits and 45 hours from the flight time to the ISS."

According to Space.com, the procedure for the shorter flight is basically a compressed version of the longer one.

Not only does this save time for the crew, stuffed as they are in the cramped Soyuz, but since the Russian capsule can fly autonomously in orbit for only about four days, the shorter commute also means more fuel, oxygen and other supplies can be conserved for a possible emergency.

Source: http://www.npr.org/blogs/thetwo-way/2013/03/29/175693743/commute-from-earth-to-space-station-just-got-shorter?ft=1&f=1007

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FBI 'flying saucers' NM memo bureau's most viewed

This 1950 document released by the FBI under the Freedom of Information and Privacy Acts Section, shows a Federal Bureau of Investigation report of "flying saucers" in New Mexico sent to then-Director J. Edgar Hoover in 1950. The document has become the FBI's most popular file in the bureau's electronic reading room. (AP Photo/FBI)

This 1950 document released by the FBI under the Freedom of Information and Privacy Acts Section, shows a Federal Bureau of Investigation report of "flying saucers" in New Mexico sent to then-Director J. Edgar Hoover in 1950. The document has become the FBI's most popular file in the bureau's electronic reading room. (AP Photo/FBI)

ALBUQUERQUE, N.M. (AP) ? A single-page FBI memo relaying a vague and unconfirmed report of flying saucers found in New Mexico in 1950 has become the most popular file in the bureau's electronic reading room.

The memo, dated March 22, 1950, was sent by FBI Washington, D.C., field office chief Guy Hottel to then-Director J. Edgar Hoover.

According to the FBI, the document was first made public in the late 1970s and more recently has been available in the "Vault," an electronic reading room launched by the agency in 2011, where it has become the most popular item, viewed nearly 1 million times. The Vault contains around 6,700 public documents.

Vaguely written, the memo describes a story told by an unnamed third party who claims an Air Force investigator reported that three flying saucers were recovered in New Mexico, though the memo doesn't say exactly where in the state. The FBI indexed the report for its files but did not investigate further; the name of an "informant" reporting some of the information is blacked out in the memo.

The memo offers several bizarre details.

Inside each saucer, "each one was occupied by three bodies of human shape but only 3 feet tall, dressed in metallic cloth of a very fine texture," according to the report. "Each body was bandaged in a manner similar to the blackout suits used by speed fliers and test pilots."

The saucers were found in New Mexico because the government had a high-powered radar set up in the area and it is believed the radar interfered with the controlling mechanism of the UFOs, according to the informant.

The FBI filed the typed page neatly away 63 years ago at its headquarters and "no further evaluation was attempted."

The memo does not appear to be related to the 1947 case in Roswell, N.M., when Air Force officials said they recovered a UFO, only later to recant and say it was a research balloon.

"For a few years after the Roswell incident, Director (J. Edgar) Hoover did order his agents ? at the request of the Air Force ? to verify any UFO sightings," the FBI said Thursday. "That practice ended in July 1950, four months after the Hottel memo. Suggesting that our Washington Field Office didn't think enough of that flying saucer story to look into it."

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Follow Russell Contreras on Twitter at http://twitter.com/russcontreras

___

Online:

'The Vault' memo, http://vault.fbi.gov/hottel_guy/Guy%20Hottel%20Part%201%20of%201/view

___

Information from: Roswell Daily Record, http://www.roswell-record.com

Source: http://hosted2.ap.org/APDEFAULT/aa9398e6757a46fa93ed5dea7bd3729e/Article_2013-03-29-FBI-UFO%20Memo/id-1be7ef18f2d948f48d120adce60c11b1

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Saturday, March 30, 2013

Stephen Baldwin due in court in NY tax case

NEW CITY, N.Y. (AP) ? Stephen Baldwin is set to appear in New York court between appearances on "All-Star Celebrity Apprentice" in hopes of getting past a state tax charge.

The youngest of the four acting Baldwin brothers is due Friday morning in Rockland County Court. He's accused of failing to file state income tax returns in 2008, 2009 and 2010.

Baldwin's lawyer has said he can avoid jail time under a tentative plea agreement. The attorney said Baldwin would have up to five years to pay back $350,000 in taxes and penalties.

When Baldwin was arrested in December, the district attorney said he could face up to four years in prison if convicted.

The 46-year-old Baldwin starred in 1995's "The Usual Suspects." He's a contestant on TV's "Apprentice" with Dennis Rodman and others.

Source: http://news.yahoo.com/stephen-baldwin-due-court-ny-tax-case-062533310.html

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Friday, March 29, 2013

Monounsaturated fats reduce metabolic syndrome risk

Monounsaturated fats reduce metabolic syndrome risk [ Back to EurekAlert! ] Public release date: 29-Mar-2013
[ | E-mail | Share Share ]

Contact: Sara LaJeunesse
SDL13@psu.edu
814-863-4325
Penn State

Canola oil and high-oleic canola oils can lower abdominal fat when used in place of other selected oil blends, according to a team of American and Canadian researchers. The researchers also found that consuming certain vegetable oils may be a simple way of reducing the risk of metabolic syndrome, which affects about one in three U.S. adults and one in five Canadian adults.

"The monounsaturated fats in these vegetable oils appear to reduce abdominal fat, which in turn may decrease metabolic syndrome risk factors," said Penny Kris-Etherton, Distinguished Professor of Nutrition, Penn State.

In the randomized, controlled trial, 121 participants at risk for metabolic syndrome received a daily smoothie containing 40 grams (1.42 ounces) of one of five oils as part of a weight maintenance, heart-healthy, 2000-calorie per day diet. Members of the group had five risk factors characterized by increased belly fat, low "good" hdl cholesterol and above average blood sugar, blood pressure and triglycerides that increase the risk of heart disease, stroke and type 2 diabetes. The researchers repeated this process for the remaining four oils.

The results were presented at the American Heart Association's EPI/NPAM 2013 Scientific Sessions in New Orleans.

Results showed that those who consumed canola or high-oleic canola oils on a daily basis for four weeks lowered their belly fat by 1.6 percent compared to those who consumed a flax/safflower oil blend. Abdominal fat was unchanged by the other two oils, which included a corn/safflower oil blend and high-oleic canola oil enriched with an algal source of the omega-3 DHA. Both the flax/safflower and corn/safflower oil blends were low in monounsaturated fat.

According to the American Heart Association, many of the factors that contribute to metabolic syndrome can be addressed by a healthy diet, exercise and weight loss, which can significantly reduce health risks of this condition.

"It is evident that further studies are needed to determine the mechanisms that account for belly fat loss on a diet high in monounsaturated fatty acids," said Kris-Etherton. "Our study indicates that simple dietary changes, such as using vegetable oils high in monounsaturated fatty acids, may reduce the risk of metabolic syndrome and therefore heart disease, stroke and type 2 diabetes."

###

Other authors on the paper include Peter Jones and Shuaihua Pu of the University of Manitoba in Winnipeg; Sheila West, Xiaoran Liu, Jennifer Fleming and Cindy McCrea of Penn State; Benit Lamarche and Patrick Couture of Laval University in Quebec; and David Jenkins of the University of Toronto. The government of Canada, the Canola Council of Canada and Dow Agrosciences funded this research.


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

?


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


Monounsaturated fats reduce metabolic syndrome risk [ Back to EurekAlert! ] Public release date: 29-Mar-2013
[ | E-mail | Share Share ]

Contact: Sara LaJeunesse
SDL13@psu.edu
814-863-4325
Penn State

Canola oil and high-oleic canola oils can lower abdominal fat when used in place of other selected oil blends, according to a team of American and Canadian researchers. The researchers also found that consuming certain vegetable oils may be a simple way of reducing the risk of metabolic syndrome, which affects about one in three U.S. adults and one in five Canadian adults.

"The monounsaturated fats in these vegetable oils appear to reduce abdominal fat, which in turn may decrease metabolic syndrome risk factors," said Penny Kris-Etherton, Distinguished Professor of Nutrition, Penn State.

In the randomized, controlled trial, 121 participants at risk for metabolic syndrome received a daily smoothie containing 40 grams (1.42 ounces) of one of five oils as part of a weight maintenance, heart-healthy, 2000-calorie per day diet. Members of the group had five risk factors characterized by increased belly fat, low "good" hdl cholesterol and above average blood sugar, blood pressure and triglycerides that increase the risk of heart disease, stroke and type 2 diabetes. The researchers repeated this process for the remaining four oils.

The results were presented at the American Heart Association's EPI/NPAM 2013 Scientific Sessions in New Orleans.

Results showed that those who consumed canola or high-oleic canola oils on a daily basis for four weeks lowered their belly fat by 1.6 percent compared to those who consumed a flax/safflower oil blend. Abdominal fat was unchanged by the other two oils, which included a corn/safflower oil blend and high-oleic canola oil enriched with an algal source of the omega-3 DHA. Both the flax/safflower and corn/safflower oil blends were low in monounsaturated fat.

According to the American Heart Association, many of the factors that contribute to metabolic syndrome can be addressed by a healthy diet, exercise and weight loss, which can significantly reduce health risks of this condition.

"It is evident that further studies are needed to determine the mechanisms that account for belly fat loss on a diet high in monounsaturated fatty acids," said Kris-Etherton. "Our study indicates that simple dietary changes, such as using vegetable oils high in monounsaturated fatty acids, may reduce the risk of metabolic syndrome and therefore heart disease, stroke and type 2 diabetes."

###

Other authors on the paper include Peter Jones and Shuaihua Pu of the University of Manitoba in Winnipeg; Sheila West, Xiaoran Liu, Jennifer Fleming and Cindy McCrea of Penn State; Benit Lamarche and Patrick Couture of Laval University in Quebec; and David Jenkins of the University of Toronto. The government of Canada, the Canola Council of Canada and Dow Agrosciences funded this research.


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

?


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


Source: http://www.eurekalert.org/pub_releases/2013-03/ps-mfr032913.php

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This Millimeter Wave Radar Will Give Everybody TSA Vision

Millimeter wave radars have been saddled with an unfairly negative public perception ever since the TSA's bumbling body scanner program began. But, the technology itself is immensely useful for more than peeping under clothes and this miniaturized prototype from the Fraunhofer Institute aims to prove it. More »


Source: http://feeds.gawker.com/~r/gizmodo/full/~3/fw_N89M3fMs/this-millimeter-wave-radar-will-give-everybody-tsa-vision

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Video: Dusting for prints from a fossil fish to understand evolutionary change

Thursday, March 28, 2013

In 370 million-year-old red sandstone deposits in a highway roadcut, scientists have discovered a new species of armored fish in north central Pennsylvania.

Fossils of armored fishes like this one, a phyllolepid placoderm, are known for the distinctive ornamentation of ridges on their exterior plates. As with many such fossils, scientists often find the remains of these species as impressions in stone, not as three-dimensional versions of their skeletons. Therefore, in the process of studying and describing this fish's anatomy, scientists took advantage of a technique that may look a lot like it was stolen from crime scene investigators.

In the video, Dr. Ted Daeschler shows the fossil and a rubber cast made by pouring latex into its natural impression in the rock. Once the latex hardened, Daeschler peeled it out and dusted its surface with a fine powder to better show the edges of the bony plates and the shapes of fine ridges on the fish's bony armor ? a lot like dusting for fingerprints to show minute ridges left on a surface. With this clearer view, Daeschler and colleagues were better able to prepare a detailed scientific description of the new species.

This placoderm, named Phyllolepis thomsoni, is one of two new Devonian fish species described by Daeschler in the Bicentennial issue of the Proceedings of the Academy of Natural Sciences of Philadelphia, with different co-authors. The other new species is a lobe-finned fish discovered in northern Canada. This discovery is described at http://drexel.edu/now/news-media/releases/archive/2013/March/Fossil-Species-from-Fish-Eat-Fish-World/.

Both the Pennsylvania placoderm and the Canadian lobe-finned fish species are from the late Devonian period, at a time long before dinosaurs walked the Earth ? but, geologically speaking, not long before the very first species began to walk on land. Daeschler studies Devonian species in particular to help describe the evolutionary setting that gave rise to the first vertebrate species with limbs. He has dug for Devonian species in Pennsylvania since 1993, and in northern Canada since 1999.

Honoring A Rich History of Pennsylvania Paleontology

Daeschler, a vice president and associate curator at the Academy of Natural Sciences of Drexel University, and an associate professor in Drexel's College of Arts and Sciences, and co-author Dr. John A. Long, a leading authority on placoderms from Flinders University in Australia, named the species in honor of Dr. Keith S. Thomson.

Thomson, the Executive Officer of the American Philosophical Society, has been a mentor and colleague to many Devonian fossil researchers, including Daeschler. Thomson has formerly held positions including President and CEO of the Academy of Natural Sciences, Director of the Oxford University Museum, and Dean of the Graduate School of Arts and Sciences at Yale University.

Asked for comment on the discovery named in his honor, Thomson noted his long professional connection with the Devonian fossil beds in Pennsylvania that Daeschler studies:

"The Devonian beds around Renovo PA were worked extensively by my old professor at Harvard, Alfred Sherwood Romer and his associates, in the 1950s. They got some very good material of fishes but gave up on the site as a potential source of the very earliest four-legged vertebrates. In 1965 Romer suggested that I have a go but there had been no major erosion on the sites and therefore nothing much new had become exposed. I moved on to other things, but [in 1993] when Ted asked about possible projects in PA I gave him all the old notebooks, including mine, and off he went. In the intervening period there had been some major roadwork, new exposures were made, and on the Sunday evening of his very first weekend trip Ted came to the house and showed me a part of the shoulder of a tetrapod. Once we had looked at every which way and decided there was no other explanation, he causally reached into his bag and said "in that case, I have another one." The rest is history -- a history of very hard, careful, work, a whole team of collectors, some local, and brilliant discoveries of superb material particularly of fishes of every kind. So I am delighted by the success of this work over the past twenty years and flattered to become associated with it by having a species named after me. (There is a certain symmetry to this as long ago I named one of the species that had been collected by Romer after my wife!)"

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Drexel University: http://www.Drexel.edu/

Thanks to Drexel University for this article.

This press release was posted to serve as a topic for discussion. Please comment below. We try our best to only post press releases that are associated with peer reviewed scientific literature. Critical discussions of the research are appreciated. If you need help finding a link to the original article, please contact us on twitter or via e-mail.

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Source: http://www.labspaces.net/127504/Video__Dusting_for_prints_from_a_fossil_fish_to_understand_evolutionary_change

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Judge approves American-US Airways merger

FILE - American Airlines and US Airways jets prepare for flight at gate at the Philadelphia International Airport, in this Feb. 14, 2013 file photo taken in Philadelphia. The merger of US Airways and American Airlines has been arroved by the bankruptcy court Wednesday March 27, 2013 giving birth to a mega airline with more passengers than any other in the world. (AP Photo/Matt Rourke)

FILE - American Airlines and US Airways jets prepare for flight at gate at the Philadelphia International Airport, in this Feb. 14, 2013 file photo taken in Philadelphia. The merger of US Airways and American Airlines has been arroved by the bankruptcy court Wednesday March 27, 2013 giving birth to a mega airline with more passengers than any other in the world. (AP Photo/Matt Rourke)

FILE - From left; US Airways Group Chairman and CEO Douglas Parker with American Airlines and AMR Corporation, Chairman, President and CEO Thomas Horton, and American Antitrust Institute Director and Vice President Diana Moss, testifies on Capitol Hill in Washington, in this March 19, 2013 file photo, before the Senate subcommittee on Antitrust, Competition Policy and Consumer Rights. American Airlines won bankruptcy court approval Wednesday March 27, 2013 to combine with US Airways and form the world's biggest airline. But the judge declined to sign off on a proposed $20 million severance package for Tom Horton, currently the CEO of American's parent AMR Corp. (AP Photo/Manuel Balce Ceneta, File)

NEW YORK (AP) ? American Airlines won bankruptcy court approval Wednesday to combine with US Airways and form the world's biggest airline.

"The merger is an excellent result. I don't think anybody disputes that," Judge Sean H. Lane said before issuing his decision.

But the judge declined to sign off on a proposed $20 million severance package for Tom Horton, currently the CEO of American's parent AMR Corp.

The approval is an important milestone for American, which filed for Chapter 11 in November 2011 after having long resisted using the bankruptcy process to cut labor and other costs. The merger still needs approval from Department of Justice antitrust regulators and US Airways shareholders. It is expected to close by the fall.

The combined airline will have 6,700 daily flights and annual revenue of roughly $40 billion. The new American Airlines will fly slightly more passengers than United, the current No. 1. It will be run by Doug Parker, the CEO of US Airways Group Inc., who began pursuing a merger shortly after American entered bankruptcy protection.

The U.S. trustee, a federal bankruptcy watchdog, had objected to the severance package for Horton. While he didn't question the amount, Lane agreed that the timing of it seemed to violate prohibitions in the bankruptcy law.

"Approving it today is just not appropriate," Lane said. The judge plans to issue a written decision at a later date detailing his reasoning.

Horton has spent nearly his entire career at American, becoming CEO when the company filed for bankruptcy. Horton will cede the CEO position to Parker when the deal closes, and has agreed to leave the company's board within a year of the closing date.

In 2011, Horton was paid a salary of $618,135. He also got stock awards and options that were valued that year at nearly $2.7 million, but the company argued those could be nearly worthless after the bankruptcy reorganization. Figures for 2012 aren't yet available.

The proposed severance package includes $19.9 million in cash and stock as well as a lifetime of free first-class tickets on American for Horton and his wife.

Horton could still receive the payout. American's lawyers offered a possible solution during the hearing: American and US Airways would amend their merger agreement to say that Horton's severance would be subject to ratification of the board of directors of the new airline, after the merger closes.

Jack Butler, a lawyer with Skadden, Arps, Slate, Meagher & Flom, said he expects Horton to eventually get his payout. Butler's firm represents American's creditors, who support the merger.

"Tom has never made this case about himself, and I don't expect him to start now," Butler said.

In most bankruptcy cases, creditors lose part of the money they are owed. Thanks in part to the merger, creditors in this case will get back what they are owed. Onetime shareholders of AMR Corp. are slated to get a 3.5 percent of the new airline.

Separately, Lane approved a motion to extend American's exclusive period for filing a reorganization plan until May 29, the last such extension allowed under law. There is then a 60-day waiting period for creditors to object to the plan before Lane can sign off on American's emergence from bankruptcy protection.

__

Airlines Writer David Koenig in Dallas contributed to this article.

__

Scott Mayerowitz can be reached at http://twitter.com/GlobeTrotScott.

.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2013-03-28-American%20Airlines-Bankruptcy/id-8c53cfb6230e4d599c2428ece1f4285c

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Thursday, March 28, 2013

Pageonce (for iPhone)


Sometimes, when you're out and about and the day's been hectic, it'll hit you that?oh no, you didn't schedule that credit card or student loan payment like you intended. And it's the fourth of the month which means your rent is officially four days late, and the grace period is only five days. In times of financial panic, the Pageonce mobile app (free) proves its worth. The free app, available for iPhone (the focus of this review), Android, Windows Phone 7, and BlackBerry, lets you see a snapshot of all your account balances and upcoming bills, with bill-payment functionality included, too. You can manage payments to credit card companies, utility providers, lenders, and even small proprietors, such as your landlord.

Don't mistake Pageonce for a complete financial management tool, though. You won't find in it budgeting tools or detailed information about your spending habits, something Editors' Choice Mint.com (free, 5 stars) provides through a fully automated site and mobile app. If your goal is to get a handle on your money, I highly recommend dedicating yourself to Mint. Pageonce is more for checking in on your financial situation and making quick corrections when you need to pay your bills. It has one or two other miscellaneous features thrown in, such as the ability to see at a glance many of your travel reward program balances, but the core Pageonce experience on an iPhone is to answer the question, "Do I have enough money in the right places right now?"

Fully Free
It may be worth pointing out that Pageonce formerly locked some features behind a paid Gold membership, but the company has done away with this premium tier. All Pageonce's features and functionality are now totally free.

You can set up a Pageonce account either right on your iPhone or from the full Pageonce.com website?and while we're on that subject, I should note that in my review of Pageonce, I point out that the mobile apps meet a need more than the website does. For setting up your accounts, it helps to have a full screen, keyboard, mouse, and additional browser tabs at the ready. But in actually getting use out of Pageonce, I wholly prefer the mobile app over the site. I think the former meets a consumer need better than the latter. For what it's worth, you can set up a Pageonce account right in the iPhone app if you prefer.

App Features
Inside the iPhone app, a plus sign at the upper right corner is your key to adding more accounts. Connect any kind of financial account?savings, checking, investment, retirement, loan?and the balance will be counted toward your Pageonce net worth (updated once daily, with a manual refresh option included). As mentioned, you can also connect to online accounts for bills, be they for insurance policies, Internet service, gas and electricity, or phone service. Whenever one of these bills or your credit card bill is near due, Pageonce will let you know via an alert, shown at the bottom of the screen.

The app's main dashboard, or Overview page, shows totals for available cash, bills owed and minimum payment due, investment balances, credit card debt, offers (essentially, advertisements for financial services), and Credit Guard (an offer for a credit report and protection service). These six items appear as easy-to-access tiles on the main dashboard.

Other buttons at the top let you manage existing connected accounts, view reports, access your settings, and add new accounts.

The reporting section contains a few interesting bits of information, such as a "file cabinet" that houses previous bill statements, although in testing the app, only two of my connected accounts put any information here, even though I had at least two more accounts that generate a monthly statement.

Another sub-section to the Reports page shows "all your account transactions." This area proves useful when you need to quickly check to see what changed recently in an account if the balance seems off from what you expected it to be. Also under the Reports page is payment history, although it doesn't contain any information prior to the date you connected your financial accounts to Pageonce. And finally, there's "Where your money's going," the place you can actually find real reports. Pie charts and tables detail your expenditures into five simple categories: bills and utilities; insurance; credit cards; loans; and other. In my testing, I found the report just didn't accurately capture what I truly wanted to know about my spending habits, like if I spend much more than I realize eating out, and whether I might be able to cut back on that kind of unnecessary expense to fund something else I need or want. Mint not only has those features, but it does most of the work for me in terms of identifying different kinds of credit card charges.

Bill Pay
The bill pay function is what makes Pageonce worthwhile for some people, namely, those who forget to pay their bills until the day before they're due (or later). ?

You can pay a bill, right from within the app, but the very first time you do so, it isn't exactly a one-two-three process (it does become more streamlined afterward, though). Let's say you want to pay your upcoming credit card bill. First, you have to enter the full credit card account number, even if that card is already connected to Pageonce. Second, you have to enter the complete information, account and routing numbers, from the checking account you want to use to pay.

Also, it can take up to two business days for a payment to process. That's typically of any online payment you initiate, however, so it's the same results you'd see from making an online payment right from your service provider's website.

One minor problem: In my account, I had one bill payment already scheduled (which I did outside Pageonce), but Pageonce had no knowledge of it, so had I not been careful, I might have tried to pay the same bill twice and double-taxed my own checking account. One thing I've always appreciated about making payments to one particular credit card company is that it pops up a warning if I try to schedule a payment within three days of an existing scheduled payment. You wouldn't believe how often I try to pay my bills more than once.

Security
Pageonce has good security measures in place to keep your financial information safe. You can't transfer money using Pageonce, so no one else can move your money through this service either. All your account info is kept under lock and key. Similar to Mint.com, Pageonce doesn't store any information on the phone itself, and uses bank-level encryption.

The app has a four-digit PIN, which you enter every time you exit the app or your phone goes on standby. Furthermore, Pageonce is VeriSign Secured (i.e., tested and approved by Norton) and TrustE approved.

Pageonce in a Pinch
The Pageonce iPhone app delivers on its promise to quickly show you your account balances as well as set up a bill to be paid on the fly when you forget to do it ahead of time. If you're the kind of person always getting hit by late charges, give Pageonce a try. But if you're looking for real guidance about how to manage your money and debts, put yourself in the hands of Editors' Choice Mint.com.

Source: http://feedproxy.google.com/~r/ziffdavis/pcmag/~3/J_z3e6wpppI/0,2817,2399531,00.asp

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Ban social media as a distraction? No, it boosts productivity ...

March 27, 2013, 9:55 AM PDT

Takeaway: Any manager who thinks staff should be banned from using social media at work is seriously misguided and could be doing grave damage to the business.

It is very obvious that social media allows people to accomplish a lot more. Photo: Shutterstock

It is very obvious that social media allows people to accomplish a lot more. Photo: Shutterstock

Far from diverting employees from their jobs, social media and smartphones actually make staff more productive - and employers should learn to deal with that new reality.

Access to social networks via mobile devices gives staff a ?virtual core presence? with direct benefits for the business in which they work, according to a new study.

That core presence enables workers to complete collective tasks more effectively by giving them a greater freedom over when and where they do their jobs, the study of technology companies in the UK, Germany and Finland found.

?This was an investigatory study, rather than a statistical proving. But it was very obvious that social media allows people to accomplish a lot more,? said Joe Nandhakumar, professor of information systems at Warwick Business School, which conducted the research.

?We can feel that in the academic environment. If you take that connectivity away, we are completely unable to work,? he said.

According to Nandhakumar, evidence from the research suggests that knowledge workers who manage their presence successfully and control their responses are better at organising workflow.

He argued that social media is not an entertainment medium with side-benefits for business. ?It?s not a by-product. It?s the main thing,? he said.

Nandhakumar pointed out that social media is a central part of the culture of knowledge workers, ?It?s not a secondary effect. You can?t avoid it. You can?t ban it, so how do we make this work for the organisation?? he said.

Social media as a diversion

He warned against organisations treating social media and easy access to it via mobile devices as a distraction for employees.

?They said that about email. They said that about the telephone. Businesses should change - social media is a fact of life,? he said.

?You can?t stop people having this connectivity so we need to find out how we can manage it and how we can make it into something more positive rather than trying to ban it. Anything can be a distraction - a computer can be a distraction - it depends on how you use it.?

Nandhakumar said successful organisations used to focus strongly on processes and then on connecting people. Now social media can provide a layer on top of ERP systems. ?We can have the people on top of the processes to get the best of both,? he said.

?What we should do as companies, we should empower employees to deal with social media and how they can spend their time productively. We can?t really control these things. They are there for the knowledge worker.?

The Warwick Business School paper is entitled Exploring social network interactions in enterprise systems: the role of virtual co-presence. It is due to be published in the Information Systems Journal.

Source: http://www.techrepublic.com/blog/european-technology/ban-social-media-as-a-distraction-no-it-boosts-productivity/1610

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Bugatti Hired A Security Guard Just To Keep - Business Insider

The New York International Auto Show is in full swing at the Jacob Javits Center on Manhattan's West Side, and journalists have been treated to the debuts of more than a few remarkable vehicles.

But while most of the automakers have hired female models ? AKA booth babes ? to stand alongside their products, Bugatti took a different approach this year.?

Accompanying the Veyron, the world's fastest production car, is a security guard, whose job consists of keeping interested members of the press a few yards away from the multi-million dollar ride.

According to the guard, someone checking out the Veyron at last year's show accidentally damaged it, costing the company quite a bit of cash. So for 2013 they're not taking any chances ? although rumor has it journalists at the show can get closer if they talk to the Bugatti media representative, and set up a time beforehand.

Alex Davies/Business Insider

?

Alex Davies/Business Insider

Source: http://www.businessinsider.com/bugatti-veyron-at-new-york-auto-show-2013-3

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Nintendo video shows off Wii U speed improvement coming in April update

Nintendo video shows off Wii U speed improvement coming in April update

Nintendo's Wii U has faced complains over slow loading and switching between menus since launch, but the company has promised a pair of updates will help the situation. Tonight it posted a video on YouTube (embedded after the break) that shows off the difference before and after the April update side by side. Showing off how quickly it can return to the home menu from a game of New Super Mario Bros. U, the updated console is ready to go in eight seconds, compared to the current software's 20 second delay. There's no mention of the other update to improve the speed of launching software, but hopefully that will be shown off soon as well. More than halving the main menu's load time is nothing to sneeze at, although it's still not exactly a snappy experience. We'll see if these tweaks -- once they arrive -- do anything to improve the console's position while it waits for the improved software lineup President Satoru Iwata is expecting.

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Source: Nintendo (YouTube)

Source: http://www.engadget.com/2013/03/26/nintendo-video-shows-off-wii-u-speed-improvement-coming-in-april/

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Wednesday, March 27, 2013

Archive ? PRSSA hosts talk on New York communications ? Indiana ...

SoJ Web Report | March 26, 2013

The Beth Wood chapter of the Public Relations Student Society of America will wrap up its chapter meetings with a special session on communications in New York City.

Alumna Joanna Pinker of Falco Ink will visit and her colleague Casey De La Rosa will use Skype for a conversation at 7:30 p.m. April 3 in Ernie Pyle Hall 214. They will talk about their experiences in New York City as well as relate stories of working on film festivals such as the Sundance Film Festival and the Tribeca Film Festival.

Questions? Comments? Email the Web editor.

This entry was posted on March 26, 2013 at 11:30 a.m. and is filed under News.

Source: http://journalism.indiana.edu/notices/prssa-hosts-talk-on-new-york-communications/

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Study: Health law to raise claims cost 32 percent

WASHINGTON (AP) ? A new study finds that insurance companies will have to pay out an average of 32 percent more for medical claims under President Barack Obama's health care overhaul.

What does that mean for you?

It could increase premiums for at least some Americans.

If you are uninsured, or you buy your policy directly from an insurance company, you should pay attention.

But if you have an employer plan, like most workers and their families, odds are you don't have much to worry about.

The estimates from the Society of Actuaries could turn into a political headache for the Obama administration at a time when much of the country remains skeptical of the Affordable Care Act.

The administration is questioning the study, saying it doesn't give a full picture ? and costs will go down.

Actuaries are financial risk professionals who conduct long-range cost estimates for pension plans, insurance companies and government programs.

The study says claims costs will go up largely because sicker people will join the insurance pool. That's because the law forbids insurers from turning down those with pre-existing medical problems, effective Jan. 1. Everyone gets sick sooner or later, but sicker people also use more health care services.

"Claims cost is the most important driver of health care premiums," said Kristi Bohn, an actuary who worked on the study. Spending on sicker people and other high-cost groups will overwhelm an influx of younger, healthier people into the program, said the report.

The Obama administration challenged the design of the study, saying it focused only on one piece of the puzzle and ignored cost relief strategies in the law, such as tax credits to help people afford premiums and special payments to insurers who attract an outsize share of the sick.

The study also doesn't take into account the potential price-cutting effect of competition in new state insurance markets that will go live Oct. 1, administration officials said.

At a White House briefing Tuesday, Health and Human Services Secretary Kathleen Sebelius said some of what passes for health insurance today is so skimpy it can't be compared to the comprehensive coverage available under the law. "Some of these folks have very high catastrophic plans that don't pay for anything unless you get hit by a bus," she said. "They're really mortgage protection, not health insurance."

Sebelius said the picture on premiums won't start coming into focus until insurers submit their bids. Those results may not be publicly known until late summer.

Another striking finding of the report was a wide disparity in cost impact among the states.

While some states will see medical claims costs per person decline, the report concluded that the overwhelming majority will see double-digit increases in their individual health insurance markets, where people purchase coverage directly from insurers.

The differences are big. By 2017, the estimated increase would be 62 percent for California, about 80 percent for Ohio, more than 20 percent for Florida and 67 percent for Maryland. Much of the reason for the higher claims costs is that sicker people are expected to join the pool, the report said.

Part of the reason for the wide disparities is that states have different populations and insurance rules. In the relatively small number of states where insurers were already restricted from charging higher rates to older, sicker people, the cost impact is less.

The report did not make similar estimates for employer plans that most workers and families rely on. That's because the primary impact of Obama's law is on people who don't have coverage through their jobs.

A prominent national expert, recently retired Medicare chief actuary Rick Foster, said the report does "a credible job" of estimating potential enrollment and costs under the law, "without trying to tilt the answers in any particular direction."

"Having said that," Foster added, "actuaries tend to be financially conservative, so the various assumptions might be more inclined to consider what might go wrong than to anticipate that everything will work beautifully." Actuaries use statistics and economic theory to make long-range cost projections for insurance and pension programs sponsored by businesses and government. The society is headquartered near Chicago.

Bohn, the actuary who worked on the study, acknowledged it did not attempt to estimate the effect of subsidies, insurer competition and other factors that could offset cost increases. She said the goal was to look at the underlying cost of medical care.

"We don't see ourselves as a political organization," Bohn added. "We are trying to figure out what the situation at hand is."

On the plus side, the report found the law will cover more than 32 million currently uninsured Americans when fully phased in. And some states ? including New York and Massachusetts ? will see double-digit declines in costs for claims in the individual market.

Uncertainty over costs has been a major issue since the law passed three years ago, and remains so just months before a big push to cover the uninsured gets rolling Oct. 1. Middle-class households will be able to purchase subsidized private insurance in new marketplaces, while low-income people will be steered to Medicaid and other safety net programs. States are free to accept or reject a Medicaid expansion also offered under the law.

___

AP White House Correspondent Julie Pace contributed to this report.

Source: http://news.yahoo.com/study-health-law-raise-claims-cost-32-percent-070021624--finance.html

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Supreme Court justices suggest they may avoid a major ruling on California's gay marriage ban (Star Tribune)

Share With Friends: Share on FacebookTweet ThisPost to Google-BuzzSend on GmailPost to Linked-InSubscribe to This Feed | Rss To Twitter | Politics - Top Stories Stories, News Feeds and News via Feedzilla.

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Thursday, March 14, 2013

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Source: http://pheedo.msnbc.msn.com/id/3033054/device/rss/

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Naked body washes ashore in Miami Beach

By Matthew DeLuca, Staff Writer, NBC News

A naked body washed ashore in Miami Beach, Fla., on Thursday morning, sparking a police investigation and sending chills through the neighborhood.

The deceased man was found on the beach at around 1:30 a.m. Thursday, NBC Miami reported. Police did not give any details on what the apparent cause of death was or how the body may have wound up on the beach.

The victim hasn?t been identified, according to NBC Miami.

?I was with my friend and I saw the policemen going to the beach, so we went there and saw a dead body,? Alexandra Mathiu, a student at a local language school, told NBC Miami. ?It?s just so scary because it?s in front of our school.?

Police are working to determine the cause of death. A medical examiner was on the scene Thursday and removed the body, NBC Miami reported.

Source: http://usnews.nbcnews.com/_news/2013/03/14/17312099-naked-body-washes-ashore-in-miami-beach?lite

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Census: Record 1 in 3 US counties are now dying

(AP) ? A record number of U.S. counties ? more than 1 in 3 ? are now dying off, hit by an aging population and weakened local economies that are spurring young adults to seek jobs and build families elsewhere.

New 2012 census estimates released Thursday highlight the population shifts as the U.S. encounters its most sluggish growth levels since the Great Depression.

The findings also reflect the increasing economic importance of foreign-born residents as the U.S. ponders an overhaul of a major 1965 federal immigration law. Without new immigrants, many metropolitan areas such as New York, Chicago, Detroit, Pittsburgh and St. Louis would have posted flat or negative population growth in the last year.

"Immigrants are innovators, entrepreneurs, they're making things happen. They create jobs," said Michigan Gov. Rick Snyder, a Republican, at an immigration conference in his state last week. Saying Michigan should be a top destination for legal immigrants to come and boost Detroit and other struggling areas, Snyder made a special appeal: "Please come here."

The growing attention on immigrants is coming mostly from areas of the Midwest and Northeast, which are seeing many of their residents leave after years of staying put during the downturn. With a slowly improving U.S. economy, young adults are now back on the move, departing traditional big cities to test the job market mostly in the South and West, which had sustained the biggest hits in the housing bust.

Census data show that 1,135 of the nation's 3,143 counties are now experiencing "natural decrease," where deaths exceed births. That's up from roughly 880 U.S. counties, or 1 in 4, in 2009. Already apparent in Japan and many European nations, natural decrease is now increasingly evident in large swaths of the U.S., much of it rural.

Despite increasing deaths, the U.S. population as a whole continues to grow, boosted by immigration from abroad and relatively higher births among the mostly younger migrants from Mexico, Latin America and Asia.

"These counties are in a pretty steep downward spiral," said Kenneth Johnson, a senior demographer and sociology professor at the University of New Hampshire, who researched the findings. "The young people leave and the older adults stay in place and age. Unless something dramatic changes ? for instance, new development such as a meatpacking plant to attract young Hispanics ? these areas are likely to have more and more natural decrease."

The areas of natural decrease stretch from industrial areas near Pittsburgh and Cleveland to the vineyards outside San Francisco to the rural areas of east Texas and the Great Plains. A common theme is a waning local economy, such as farming, mining or industrial areas of the Rust Belt. They also include some retirement communities in Florida, although many are cushioned by a steady flow of new retirees each year.

In the last year, Maine joined West Virginia as the only two entire states where deaths exceed births, which have dropped precipitously after the recent recession. As a nation, the U.S. population grew by just 0.75 percent last year, stuck at historically low levels not seen since 1937.

Johnson said the number of dying counties is rising not only because of fewer births but also increasing mortality as 70 million baby boomers born between 1946 and 1964 move into their older years. "I expect natural decrease to remain high in the future," he said.

Among the 20 fastest-growing large metropolitan areas last year, 16 grew faster than in 2011 and most of them are located in previously growing parts of the Sun Belt or Mountain West. Among the slowest-growing or declining metropolitan areas, most are now doing worse than in 2011 and they are all located in the Northeast and Midwest.

New York ranks tops in new immigrants among large metro areas, but also ranks at the top for young residents moving away.

In contrast, the Texas metropolitan areas of Dallas, Houston and Austin continued to be big draws for young adults, ranking first, second and fourth among large metro areas in domestic migration due to diversified economies that include oil and gas production. Phoenix, Las Vegas and Orlando also saw gains.

By region, growth in the Northeast slowed last year to 0.3 percent, the lowest since 2007; in the Midwest, growth dipped to 0.25 percent, the lowest in at least a decade. In the South and West, growth rates ticked up to 1.1 percent and 1.04 percent, respectively.

"The brakes that were put on migration during the Great Recession appear to be easing up," said William H. Frey, a demographer at the Brookings Institution who analyzed the migration data. "Native migrants are becoming more 'footloose' ? following the geographic ups and downs of the labor market ? than are immigrants, who have tended to locate in established ethnic communities in big cities."

"Immigration levels are not where they were a decade ago, but their recent uptick demonstrates the important safety valve they can be for areas with stagnating populations," he said.

Mark Mather, an associate vice president at the Population Reference Bureau, noted that political efforts to downsize government and reduce federal spending could also have a significant impact on future population winners and losers.

Since 2010, many of the fastest-growing U.S. metro areas have also been those that historically received a lot of federal dollars, including Fort Stewart, Ga., Jacksonville, N.C., Crestview, Fla., and Charleston-North Charleston, S.C., all home to military bases. Per-capita federal spending rose from about $5,300 among the fastest-growing metros from 2000 to 2010, to about $8,200 among the fastest-growing metros from 2011 to 2012.

"Federal funding has helped many cities weather the decline in private sector jobs," Mather said.

Other findings:

?Roughly 46 percent of rural counties just beyond the edge of metropolitan areas experienced natural decrease, compared to 17 percent of urban counties.

?As a whole, the population of non-metropolitan areas last year declined by 0.1 percent, compared with growth of 1 percent for large metro areas and 0.7 percent for small metropolitan areas.

?In the last year, four metro areas reached population milestones: Los Angeles hit 13 million, Philadelphia reached 6 million, Las Vegas crossed 2 million and Grand Rapids, Mich., passed 1 million.

?Chattahoochee County, Ga., home to Fort Benning, was the nation's fastest-growing county, increasing 10.1 percent in the last year.

The census estimates are based on local records of births and deaths, Internal Revenue Service records of people moving within the United States and census statistics on immigrants.

___

Online: www.census.gov

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/386c25518f464186bf7a2ac026580ce7/Article_2013-03-14-Census-Dying%20Counties/id-94cecba4c2ad4bfeaf36f21352ee6c93

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Fewer workers tapping 401(k) for loans, study shows

Fewer people tapped their workplace retirement accounts for temporary loans or "hardship" withdrawals last year, according to a study released Wednesday by WorldatWork and the American Benefits Institute.

The poll of some 500 companies about employee participation in workplace 401(k) plans found that loans increased in 37 percent of the companies, down from 49 percent of companies in 2008. A quarter of the companies polled said they saw an increase in hardship distributions from plans, down from 43 percent of companies that reported this in 2008.

Hardship loans come with high fees and are often used for down payments on homes or to cover expenses when children are born. The drop in withdrawals may be due to an improved economy for employees, experts said. In addition, companies are directing more resources to communicate with employees about financial wellness, so workers may no longer see their retirement nest egg as the most viable option for instant funds.

"Companies are providing more financial advice such as debt management to employees and helping them to look at the whole picture," said Lynn Dudley, senior vice president for policy at the American Benefits Council.

Higher participation
Since the Pension Protection Act of 2006 set out new requirements for employers that offer retirement and investment advice, 53 percent of companies said they provide such advice, and two thirds of those do so through independent financial advisers.

Most companies continued retirement plans and matches through the recession. According to the report, 88 percent of companies neither suspended nor eliminated their matching contributions during the previous five years. In all, 92 percent of the companies polled said they provide a match to contributions.

Companies with auto-enrollment features had higher participation rates than those without it - 37 percent of companies with auto-enrollment reported 80 to 90 percent participation. Only 21 percent of companies without auto enrollment reported participation in this range.

Companies are also building annuity offerings through defined benefit plans, which contain lifetime-payout options. About 12 percent of the companies in the study said they offer annuity options, and 21 percent said they are considering it for the future.

Problems linger
Despite this progress, overall savings still lag industry estimates of what people are expected to need upon retirement - which is to save 15 percent of current salary, according to T. Rowe Price, the Baltimore money management firm.

More than half of the companies said the average employee contribution is between 5 and 7 percent. For 22 percent of the companies polled, the average employee contribution is between 2 and 4 percent. Fewer than 10 percent of employees were contributing the maximum allowed contribution, which was $17,000 in 2012.

"Most savers feel they are doing as much as they can, and there is no way they can save 15 percent every year," said Christine Fahlund, a financial planner and vice president of T. Rowe Price Investment Services. "That is where plan sponsors need to help by including auto-increase provisions in plans. Gradually is usually better when it comes to trying to change your savings behavior."

Meanwhile, federal changes in fee disclosure, which were required to take affect by September of last year, have done little to educate people about their involvement with retirement plans. More than half of employers said that new fee disclosure rules did not make plans more clear to employees.

Instead companies are offering more advice. "More employers are focusing on financial well-being, adequacy, and communicating in a way that helps people take action," said Dudley.

Policy makers may have avoided setting minimum default rates too high in the beginning, but now is the time to encourage making them higher, said Dudley. They could also include the ability to auto-increase when an employee gets a raise or a tax refund, for example.

"We must look to policy to support 401(k) plans," which have been strongly accepted by employers, she said.

Source: http://www.nbcnews.com/business/fewer-workers-tapping-their-401-k-loans-study-shows-1C8850242

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