Investors Raid IRAs, 401(k)s ? Raising Broker & Adviser Risk ...

[ by Melanie Gretchen and Howard Haykin ]

Anyone looking to check the pulse of the American economy might want to check out the status of retirement accounts.? What might be a little known secret might have some serious impacts on the welfare of customers and clients of broker-dealers and investment advisers.? And when their welfare, and well-being is at risk, multiple risks arise for Wall Street firms.? Of course, there's no reason any financial services firms must sit around and wait to see how it all turns out.? There are plenty of PRO-ACTIVE steps that can be taken.

So where are we getting the idea that many Americans are not waiting for retirement before they hit their savings?? Well, that would be Wall Street Cheatsheet, which points out that:? Amid stagnant wages and rising expenses, more Americans are raiding their retirement accounts.

And with all the billions in liquidity that the Federal Reserve appears to be pumping into the financial system ? at record levels, no less ? no much of that liquidity is reaching its intended target.? As Americans are getting "tapped out," they are resorting to tapping their retirement accounts ? before their retirement.? Wells Fargo confirms this phenomenon:? a bank survey found that 1 in 5 workers are using their 401k plans for loans.? To date, the average new loan balance jumped 7% from $6,662 to $7,126 in the same period.

"While the increase in loan activity is concerning, we know that loans are not the biggest driver of leakage from retirement savings.? In fact, employees cashing out their 401k's when they leave an employer are a greater concern. Those dollars are often spent whereas with loans the funds are often repaid and stay in the retirement nest egg." ? Laurie Nordquist, director of Wells Fargo Retirement, in a press release.

Wall St. Cheatsheet scratched the surface when it said, "it is generally considered a bad idea to take a loan out from your 401k plan."? Aside from diminished long-term gains or the very real threat of being laid off (at which point entire loan typically becomes due within a few months), what we're looking at is an entire population of sitting ducks.

Ramifications On The Financial Services Industry.? We'll let you in on a little secret ? but you'll have to promise to follow our logic.? If you agree with us so far ? i.e., agree with Wall Street Cheatsheet ? then many customers and clients of broker-dealers and investment advisers are hurting.? If the investor keeps his or her retirement account with your firm, perhaps you've already noticed a significant decline in balances.? But it wouldn't be so apparent if the account or accounts were held, say, at a custodian chosen by the employer.

Anyway, it would be prudent to take the worst case scenario and presume anticipate your customers or clients are having difficulty.? When people are experiencing net outflows, they sorely feel in need of a quick fix.? That need can be filled by investing an individual's remaining funds in speculative securities ? e.g., penny stocks, out-of-the-money options, junk bonds.? If the stars are aligned, any of those can result in a meaningful return.? Of course, it's not uncommon for such securities to become worthless or fall to a fraction of their former value.?

How does that impact those in financial services??

• Suitability, suitability, suitability!
• Investors may try and win it all back all at once.? But should firms let their customers and clients follow their own leads?? It's probably akin to a bartender who serves a last drink to someone who's already reached his or her limit.? If anything happens to that person, the bartender can be held responsible.
• What about the investments that you and your firm have been soliciting.? In your opinion, they were suitable for your customers a couple of months ago ? so why not now?? Well, if they're down on their luck, they no longer have the risk tolerance or investment objective that they had a short while ago.? If you push those securities on customers and they lose, regulators can come after you.?
• And because regulators also are aware that investors are raiding their retirement accounts, they're likely to revise the scope of their examinations, and see if firms like yours have changed the way they do business/

Proactive Strategy. ? First things first, it's essential to learn how your customers and clients are doing.? Every broker and adviser needs to ascertain what changes have occurred in the lives of their customers and clients, and whether the firm's profiles need to be revised.? Managers and supervisors should work closely with their charges and review all findings.?

It probably would be best to design a standard template for all personnel to fill out.? This will ensure consistency of information and facilitate reviews.?

Supervisors should meet or speak with selected customers or clients ? along with the broker or adviser, or separately.? The key is to know whether the brokers and advisers are asking the right questions and clarifying answers where follow-ups are needed.

Benefits of Elevating Customer/Client Contacts.?? Several benefits come to mind.

• Customers and clients will likely appreciate the additional attention and concern.? This not only can strengthen working relationships but it might also provide troubled investors with an ally ? or someone they can turn to for guidance.?
• Regulators will appreciate the care and concern that the firm exhibits for its customers and clients.? And, by retaining copies of the interviews and updates to customer records, as necessary, it's likely that regulators will reduce the scope of testing because they're satisfied that the firm has gone the extra yard to "do the right thing."
• Finally, the risk of suitability arbitrations and lawsuits are significantly reduced because the reviews are documented and presumably subsequent investment decisions are in line with the new findings.

Seriously ? it really is simply prudent/prescient/just good business to be on the crisis-averse side.

For further details, go to [Wall St. Cheatsheet, 4/18/13].

Source: http://www.compliance-insights.com/perspectives/investors-raid-iras-401ks-raising-broker-adviser-risk

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Netflix Earnings 1Q 2013 - Business Insider

Reuters/Stephen Chernin

Actor Kevin Spacey at Netflix's House of Cards premiere.

?

Netflix?announced its first quarter earnings this afternoon.

Revenue was in line with expectations but EPS killed it, and the stock jumped about 20% after-hours.?

We're updating this post as we go, so click for updates.

The big numbers are:

• Revenue: $1.02 billion versus $1.02 billion estimate
• EPS: $0.31 versus $0.20
• Earnings guidance: Sees Q2 EPS $0.23-$0.48 versus expectations of $0.30 EPS

Here's the full outlook for Q2 2013:

Netflix added three million subscribers in the first quarter bringing the total to 36 million.

They say two million of the new subscribers were added to the streaming business in the U.S. alone. This attributed in part to positive reception of the first original series House of Cards. International membership grew by one million.

In all markets Netflix saw growth and improved profits or reduced losses.

In regards to exclusive content and deals with other content providers, Netflix says that, "as we continue to focus on exclusive and curated content, our willingness to pay for non-exclusive, bulk content deals declines."

Netflix shared another interesting fact in its quarterly investor letter relating?to its proprietary series, House of Cards.

The decision to release all 13 episodes of its first original series House of Cards worked in the company's favor.

CEO Reed Hastings wrote in the investor letter that the decision created "enormous media and social buzz, reinforcing our brand attribute of giving consumers completely control over how and when they enjoy their entertainment."

Netflix was widely criticized for its decision to release the entire series at once.?Hastings said, "some investors worried that the House of Cards fans would take advantage of our free?trial, watch the show, and then cancel. However, there was very little free-trial gaming?less than 8,000?people did this? out of millions of free trials in the quarter."

Here's the full investor letter:

Source: http://www.businessinsider.com/netflix-earnings-1q-2013-4

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TomTom makes own-brand GPS sports watches, no Nike swoosh in sight (updated)

When it comes to GPS sport devices, TomTom has decided that it doesn't need to linger under Nike's wing anymore. An update to the Dutch company's website has just revealed a pair of wearables that is meant to bring a whole new level of "simplicity" to exercisers. The TomTom Runner (pictured left) is, unsurprisingly, designed for joggers, while the waterproof Multi-Sport (right) can be used by swimmers and cyclists as well. Both will be available in the summer, and as soon as we know how much the units will cost, we'll fill you in.

Filed under: GPS, Wearables

Comments

Source: TomTom

Source: http://www.engadget.com/2013/04/17/tomtom-gps-watch-launch/

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How to change the Home button click speed on iPhone and iPad

If you've got an iPhone or iPad, you're already aware that the Home button is by far the most used physical button since you use it to exit apps, multitask, and more. Depending on how fast you tap the Home button, double and trip clicks may not always register for you or get misread. iOS actually gives you a way to customize the Home button click speed by slowing it down.

Here's how:

1. Launch the Settings app from the Home screen of your iPhone or iPad.
2. Tap on General.
3. Scroll down a ways and now tap on Accessibility.
4. Under the Physical & Motor section, tap on the option for Home-click Speed.
5. Here you can choose between Default, Slow, and Slowest

Since iOS will always register fast taps, the only settings offered are to slow it down. If you find that your iPhone is registering double taps as two single taps, slowing the speed down a bit could prevent this issue from happening.

Source: http://feedproxy.google.com/~r/TheIphoneBlog/~3/C-s92wpOcvc/story01.htm

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2 bodies found in charred Detroit medical facility

DETROIT (AP) ? A man identified by employees as a former maintenance worker opened fire Tuesday inside a Detroit medical facility, sending workers and visitors screaming and rushing for the doors just moments before the building erupted in flames.

Crews digging through the gutted Park Medical Centers building hours after the fire recovered the remains of a man and a woman, Detroit police said Tuesday night in a release.

Authorities did not release the identities of the dead, pending autopsies, but police had been searching for 35-year-old medical assistant Sharita Williams and the fired maintenance worker, who relatives said was her ex-boyfriend.

Williams' mother, Antha Williams-Hill, told The Associated Press that one of her daughter's co-workers told her that the man threatened her daughter inside.

"He said, 'You think I'm playing with you?'" Williams-Hill said. "He told the other girl, 'I think you better get out of here.' The girl left and said she then heard two shots."

Last week, Sharita Williams was granted a personal protection order against the man, according to Wayne County Court records.

Williams-Hill said two days earlier, someone had emailed her sexually explicit photos of her daughter that also were posted on Facebook. The text accompanying the photos read: "How do you like Sharita's new boyfriend?" her mother said.

Dr. Stuart Kirschenbaum, a podiatrist who operated his private practice from the building for about 30 years, said he heard a security guard yell that the gunman "had taken Sharita and is shooting at other people in the building."

Destroyed in the blaze, Kirschenbaum said, was his collection of boxing gloves, personal letters and photos of boxing great Joe Louis. He estimated the memorabilia were worth about $100,000.

Dr. Kim Logan-Nowlin, a clinical psychologist, said she was driving in for an appointment Tuesday morning when a member of her staff called with this frantic message: "Kim, the building is on fire. They're shooting."

Dwane Blackmon, Detroit police homicide inspector, declined to identify the maintenance man as the suspect but said everyone else inside except the woman and male suspect appeared to have escaped the blaze.

Investigators were unable to quickly go deep into the one-story building, described by tenants as also having a basement, due to fears of the structure's integrity.

Williams-Hill said she was asked to go to the coroner's office to identify whether the deceased woman was her daughter "because of the condition of the body."

She said her daughter had been dating the married maintenance man for more than a year, but their relationship was rocky and Sharita eventually began seeing someone else and even moved out of the city and into a Detroit suburb to get away. However, he refused to leave her alone, Williams-Hill said.

Police and arson investigators on Tuesday interviewed people who worked in the building and relatives of Sharita Williams and the maintenance man.

Blackmon could not confirm whether the two had been in a relationship.

__

Associated Press writers Mike Householder and Jeff Karoub contributed to this report.

Source: http://news.yahoo.com/2-bodies-found-burned-detroit-medical-facility-012714807.html

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Obama unveils $3.77 trillion spending plan (Washington Post)

Share With Friends: | | Politics - Top Stories Stories, News Feeds and News via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/298041061?client_source=feed&format=rss

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FBI investigating recording of McConnell talks

FRANKFORT, Ky. (AP) ? Campaign aides to Senate Republican Leader Mitch McConnell proposed using actress Ashley Judd's past bouts with depression against her if she had decided to challenge him in his re-election bid next year, according to a secret recording posted by a magazine.

Mother Jones released a recording Tuesday along with an article about a private meeting in which the aides discussed opposition research into potential Democratic challengers. Aides talked and laughed on the recording about Judd's political positions, religious beliefs and past bouts of depression.

The FBI is looking into how the recording was made after the McConnell campaign accused opponents of engaging in "Watergate-era tactics." The magazine reported that the recording was provided last week by a source who requested anonymity.

"She's clearly ? this sounds extreme ? but she is emotionally unbalanced," a McConnell aide said of Judd during a February meeting at the Louisville campaign headquarters. "I mean it's been documented ... she's suffered some suicidal tendencies. She was hospitalized for 42 days when she had a mental breakdown in the '90s."

Judd spokeswoman Cara Tripicchio criticized the McConnell campaign for considering making depression a campaign issue.

"This is yet another example of the politics of personal destruction that embody Mitch McConnell and are pervasive in Washington DC," Tripicchio said in a statement. "We expected nothing less from Mitch McConnell and his camp than to take a personal struggle such as depression, which many Americans cope with on a daily basis, and turn it into a laughing matter."

Judd has been open about her bouts with depression. She spoke to the American Counseling Association's national convention in Cincinnati in March, telling more than 3,000 counselors from across the country about her experiences.

McConnell was asked several times at a news conference Tuesday about the propriety of attacking Judd over depression. He did not directly answer, but repeatedly brought up an incident last month, when Progress Kentucky tweeted an insensitive remark about his wife, former Labor Secretary Elaine Chao.

"As you know, my wife's ethnicity was attacked by a left-wing group in Kentucky and apparently they also bugged my headquarters," he said. "So I think that pretty well sums up the way the political left is operating in Kentucky."

The McConnell campaign asked the FBI to look into whether the Louisville office was bugged.

"I can confirm that Sen. McConnell's office did contact us and we are looking into the matter," FBI spokeswoman Mary Trotman said.

McConnell campaign manager Jesse Benton alleged in an email to supporters that "liberals and their media allies" were "wire-tapping our field office to spy on us." Benton used the issue as a fundraising appeal, asking supporters to send donations "to help us spread the truth."

"We've always said the left would stop at nothing to attack Senator McConnell, but Watergate-style tactics to bug campaign headquarters are above and beyond," Benton said in a statement.

On the recording posted on Mother Jones' website, McConnell began the meeting by telling aides the campaign had entered "the Whac-A-Mole period" and explained that means "when anybody sticks their head up, do them out."

The magazine reported the aides huddled on Feb. 2 in a private meeting to discuss potential Democratic opponents, including Judd and Kentucky Secretary of State Alison Lundergan Grimes. Grimes, a rising star within the Kentucky Democratic Party, hasn't ruled herself out as a challenger.

An unidentified aide said Judd had made a public statement as a Tennessee delegate to the national convention about her support of President Barack Obama, an unpopular political figure in Kentucky. The aide said that statement could be used against her. He also said the statement raised another issue: that Judd is a resident of Tennessee, not Kentucky.

In another instance, the aide played a recording of Judd talking about her religious beliefs: "I still choose the God of my understanding as the God of my childhood. I have to expand my God concept from time to time, and you know particularly I enjoy native faith practices, and have a very nature-based God concept. I'd like to think I'm like St. Francis in that way. Brother Donkey, Sister Bird."

The campaign aides then laugh loudly.

An unidentified man then says "the people at Southeast Christian would take to the streets with pitchforks," referring to an evangelical megachurch in Louisville.

In the discussion of Grimes, the aide said she had endorsed Obama.

"She was too smart to use his name in a sentence," the aide said. "But she says, 'my support of our party and our nominee is well known, and it's no secret I'll be in North Carolina to support our nominee and the party.'"

The aide charged that Grimes has "a very sort of self-centered, sort of egotistical aspect" and that "she'll frequently use herself in the third person."

Grimes was unavailable for comment, a spokeswoman said.

It wasn't the first time that Mother Jones has written about recordings from private meetings.

The magazine was the first to report about Republican Mitt Romney's comments to donors paying $50,000 apiece to attend a private reception that 47 percent of Americans are dependent on government, see themselves as victims and believe the government has a responsibility to care for them.

Romney's critics used the video to argue that he was out of touch with average Americans during the last presidential campaign.

Kentucky Democratic Party Chairman Dan Logsdon said the recording is telling about McConnell.

"I certainly do not know anything about how this may have happened," Logsdon said. "However, it's clear that this is the McConnell we all know: leading a negative, nasty campaign determined to lash out at his opponents since he doesn't have any accomplishments to point to."

___

Associated Press writers Jim Abrams and Donna Cassata in Washington and Brett Barrouquere in Louisville contributed to this report.

Source: http://news.yahoo.com/fbi-investigating-recording-mcconnell-talks-190453229--election.html

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NASA gives planet-hunting TESS space telescope go-ahead for 2017 launch

NASA's Kepler space telescope hasn't exactly been a slouch when it comes to planet hunting, but that effort will soon be getting a considerable boost courtesy of a new mission selected by NASA as part of its Explorer program. Dubbed the Transiting Exoplanet Survey Satellite (or TESS), this new space telescope will one-up Kepler with the ability to perform an all-sky survey (an area 400 times larger than previous missions) to search for transiting exoplanets, with an eye towards planets comparable to Earth in size. TESS was developed by an MIT-led team, and will be placed in what they describe as a new "Goldilocks" orbit, allowing it to travel close enough to the Earth every two weeks for a high-speed data downlink while still remaining safely beyond the harmful radiation belts. It's now set for launch in 2017, when it will be joined by the Neutron Star Interior Composition Explorer (NICER), an addition to the International Space Station also selected as part of the Explorer program last week that will use a process called X-ray timing to study neutron stars.

Filed under: Science, Alt

Comments

Via: New Scientist

Source: NASA, MIT

Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/wrhgPxCE_ZY/

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Anne Hathaway To Reunite With Christopher Nolan For 'Interstellar'

Actress follows Oscar win for 'Les Misérables' with a leading role in her first science-fiction film.
By Todd Gilchrist

Anne Hathaway
Photo: Christopher Polk/ Getty Images

Source: http://www.mtv.com/news/articles/1705277/anne-hathaway-christopher-nolan-interstellar.jhtml

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From strip clubs to theaters, Google Glass won't be welcome everywhere

Rosa Golijan , NBC News ? ? ? 5 hrs.

Google's futuristic Glass headgear will be available before year's end. The device may well be the final step before human-machine interaction moves under our skin ? but its wearers may trigger some undesired social reactions from friends and family members, and it may not go over too well at your local watering hole, either. In fact, judging from our early look, Google Glass won't be welcome in lots of places.

Google Glass consists of a small display situated on a frame that resembles eyeglasses. It is connected to a camera, microphone and bone-conducting speaker. Glass pairs with your smartphone wirelessly using Bluetooth, but also can use Wi-Fi to access the Internet. You can use your voice or your finger to get it to take photos, record video, initiate video or voice chats, send messages, search Google and translate words or phrases. Google's being a bit coy about the ship date for this groundbreaking wearable computer. However, while qualifying early adopters are paying $1,500 a pop for the privilege of owning it first, we're told that it will become more widely available by year's end ? with a slightly more affordable price tag.

One of the reasons Glass will find itself unwelcome in places is because its camera lives at the wearer's eye level. It takes photos or record videos without a red blinking light telling others it's happening. Anywhere cameras and other recording devices are unwelcome, the same would most certainly go for Google Glass.

For starters, you can forget about taking Glass to Las Vegas.

"We've been dealing with the cellphone videoing and the picture taking over the years and we are quick to make sure that that doesn't happen in the club," Peter Feinstein, managing partner of Sapphire Gentlemen's Club in Las Vegas, told NBC News, explaining that hosts check in any electronics a patron brings that could be used for filming.

"As the sale of [Google Glass] spreads, there'll be more people using them and wanting to use them at places such as a gentlemen's club," Feinstein explained. "If we see those in the club, we would do the same thing that we do to people who bring cameras into the club."

And if somebody refuses to doff his or her headset? "If they don't want to check it, we'd be happy to give them a limo ride back to their hotel," Feinstein says.

Casinos are another place where surreptitious recording equipment won't be welcome.

"Picture-taking is frowned upon, and security officers on duty ask individuals not to take pictures for the privacy of others in the casino," a spokesperson for MGM Resorts said. "This new product is nothing new in terms of a challenge for us, because for so many years, the very tiniest of portable lipstick and pinpoint cameras have been around."

She added that "resort security officers are trained to monitor for, and detect, anything that they suspect might be a filming device, and will ask the patron to discontinue shooting photos or filming."

We spoke to several other casinos and adult entertainment establishments ? in and out of Las Vegas ? and found a general consensus: You are welcome, but your Google Glass must stay outside.

How about movie theaters?

"No recording devices (cameras, video recorders, sound recorders, etc.) are permitted to be used within any Regal Entertainment Group facility," the admittance procedures for the Regal Entertainment Group plainly state.

While a spokesperson for the group ? as well as one for AMC Theaters ? looked into the particular methods that may be used for dealing with Glass, no definitive answer was available.

We encountered a lot of that as we made calls for this piece: From the TSA to Bank of America, spokespeople were not yet ready to speak to the particulars of Google Glass, but reiterated general statements about protecting the privacy and personal information of staff and customers alike.

And while businesses and agencies have an interest in controlling what goes on within their boundaries, a whole other area of Google Glass concern has to do with what happens in public places, where people of all ages congregate.

"My immediate concern for [Google Glass] was from a sexual predator view point," Drew Donofrio, a private investigator who previously ran a computer crimes unit for 12 years at the Bergen County, N.J., police department, told NBC News. "Locker rooms, bathrooms, playgrounds ... all [Glass] requires is a line of sight."

"You can look innocent enough in line of sight, when you're not holding up a camcorder," Donofrio explained. "When you have this type of technology, it looks innocuous."

We reached out to parks and recreation departments across the country to see if they would treat Glass any differently than existing recording devices. Like others, park management was not ready to make any official calls. Many did say that they will monitor the gadget's development and adjust policies if necessary in the future.

Want more tech news or interesting links? You'll get plenty of both if you keep up with Rosa Golijan, the writer of this post, by following her on Twitter, subscribing to herFacebook posts or circling her on Google+.

Source: http://feeds.nbcnews.com/c/35002/f/653381/s/2a73b0e2/l/0L0Snbcnews0N0Ctechnology0Ctechnolog0Cstrip0Eclubs0Etheaters0Egoogle0Eglass0Ewont0Ebe0Ewelcome0Eeverywhere0E1B9231620A/story01.htm

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Guillermina 'Gigi' Lozano, Ph.D., awarded AACR Charlotte Friend Memorial Lectureship

Public release date: 8-Apr-2013
[ | E-mail | Share ]

Contact: Scott Merville
smerville@mdanderson.org
713-516-4855
University of Texas M. D. Anderson Cancer Center

HOUSTON Guillermina "Gigi" Lozano, Ph.D., chair and professor in the Department of Genetics at The University of Texas MD Anderson Cancer Center, is the recipient of the 16th annual Women in Cancer Research Charlotte Friend Memorial Lectureship awarded by The American Association for Cancer Research (AACR), recognizing her contributions to the field of cancer research and the advancement of women in science.

A pioneer in understanding the p53 tumor suppressor pathway, Lozano will deliver her award lecture, "Activities of Mutant p53 Proteins in Cancer," today as part of the 2013 AACR Annual Meeting in Washington, D.C., April 6 10. Her award is one of six for MD Anderson faculty this year.

Lozano's lab at MD Anderson was the first to establish p53 as a transcriptional activator of other genes. Their landmark study published in Science in 1989 identified a p53 transactivation domain and showed that p53 mutants failed to activate transcription, paving the way for important discoveries regarding its mechanism in the development of numerous cancers including breast, colon, lung and ovarian cancer.

Her subsequent research provided the necessary mouse models to validate the critical gatekeeper role the protein Mdm2 plays in regulating p53 activity, as well as establishing the importance of dual functions of p53 in preventing tumor development where it not only forces cell death, but also halts a defective cell's ability to reproduce and helps maintain genomic stability. Most recently she has explored how mutant p53 proteins contribute to cancer development and treatment outcomes.

"It is an incredible honor to be in the same company as Dr. Friend, a researcher who has inspired future generations of female scientists looking to excel in their research," said Lozano. "What drives me is the hope that someday my research will translate into novel therapies targeting p53, ultimately impacting clinical care and saving the lives of patients affected by cancer."

Lozano celebrates her 25th anniversary at MD Anderson this year. Over the course of her career, she has published 179 peer-reviewed articles in prestigious scientific journals, reviews and book chapters . She has devoted extensive efforts to teaching young scientists, an aspect of her work that she finds exceptionally rewarding.

"Not only do I love teaching and helping those who want to learn, but I also enjoy the two-way learning that takes place between the generations and the insights that occur as both aim to push the progress of cancer research," Lozano said. Twenty-five graduate students have received M.S. and Ph.D. degrees under her direction and she has trained 34 postdoctoral students and fellows in her lab.

She credits the mentorship of Arnold Levine, Ph.D., her postgraduate advisor at Princeton University and the discoverer of p53, and Peter Mueller of the Max Planck Institute for their guidance early in and throughout her career. "Their invaluable perspective has driven me to reach for goals I might never have dreamed of," Lozano said. She also is thankful for the support of her husband and daughter noting, "They keep me from doing too much at once."

Her research program has been supported by continuous funding from the National Cancer Institute. Other honors include the Sixth Annual AACR-Minorities in Cancer Research Jane Cooke Wright Lectureship and a position on the Scientific Advisory Committee for Stand Up To Cancer (SU2C). She was elected a fellow of the American Association for the Advancement of Science in 2011. Lozano is a distinguished alumnus of both University of Medicine & Dentistry of New Jersey Graduate School of Biomedical Sciences and The University of Texas Pan American. Lozano received her Ph.D. from Rutgers University and completed post-graduate work at Princeton University.

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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.

Public release date: 8-Apr-2013
[ | E-mail | Share ]

Contact: Scott Merville
smerville@mdanderson.org
713-516-4855
University of Texas M. D. Anderson Cancer Center

HOUSTON Guillermina "Gigi" Lozano, Ph.D., chair and professor in the Department of Genetics at The University of Texas MD Anderson Cancer Center, is the recipient of the 16th annual Women in Cancer Research Charlotte Friend Memorial Lectureship awarded by The American Association for Cancer Research (AACR), recognizing her contributions to the field of cancer research and the advancement of women in science.

A pioneer in understanding the p53 tumor suppressor pathway, Lozano will deliver her award lecture, "Activities of Mutant p53 Proteins in Cancer," today as part of the 2013 AACR Annual Meeting in Washington, D.C., April 6 10. Her award is one of six for MD Anderson faculty this year.

Lozano's lab at MD Anderson was the first to establish p53 as a transcriptional activator of other genes. Their landmark study published in Science in 1989 identified a p53 transactivation domain and showed that p53 mutants failed to activate transcription, paving the way for important discoveries regarding its mechanism in the development of numerous cancers including breast, colon, lung and ovarian cancer.

Her subsequent research provided the necessary mouse models to validate the critical gatekeeper role the protein Mdm2 plays in regulating p53 activity, as well as establishing the importance of dual functions of p53 in preventing tumor development where it not only forces cell death, but also halts a defective cell's ability to reproduce and helps maintain genomic stability. Most recently she has explored how mutant p53 proteins contribute to cancer development and treatment outcomes.

"It is an incredible honor to be in the same company as Dr. Friend, a researcher who has inspired future generations of female scientists looking to excel in their research," said Lozano. "What drives me is the hope that someday my research will translate into novel therapies targeting p53, ultimately impacting clinical care and saving the lives of patients affected by cancer."

Lozano celebrates her 25th anniversary at MD Anderson this year. Over the course of her career, she has published 179 peer-reviewed articles in prestigious scientific journals, reviews and book chapters . She has devoted extensive efforts to teaching young scientists, an aspect of her work that she finds exceptionally rewarding.

"Not only do I love teaching and helping those who want to learn, but I also enjoy the two-way learning that takes place between the generations and the insights that occur as both aim to push the progress of cancer research," Lozano said. Twenty-five graduate students have received M.S. and Ph.D. degrees under her direction and she has trained 34 postdoctoral students and fellows in her lab.

She credits the mentorship of Arnold Levine, Ph.D., her postgraduate advisor at Princeton University and the discoverer of p53, and Peter Mueller of the Max Planck Institute for their guidance early in and throughout her career. "Their invaluable perspective has driven me to reach for goals I might never have dreamed of," Lozano said. She also is thankful for the support of her husband and daughter noting, "They keep me from doing too much at once."

Her research program has been supported by continuous funding from the National Cancer Institute. Other honors include the Sixth Annual AACR-Minorities in Cancer Research Jane Cooke Wright Lectureship and a position on the Scientific Advisory Committee for Stand Up To Cancer (SU2C). She was elected a fellow of the American Association for the Advancement of Science in 2011. Lozano is a distinguished alumnus of both University of Medicine & Dentistry of New Jersey Graduate School of Biomedical Sciences and The University of Texas Pan American. Lozano received her Ph.D. from Rutgers University and completed post-graduate work at Princeton University.

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?

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/2013-04/uotm-gl040813.php

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AP PHOTOS: Scenes from the NCAA Final Four

Michigan student Aaron Ruhlig cheers before the first half of the NCAA Final Four tournament college basketball semifinal game against Syracuse, Saturday, April 6, 2013, in Atlanta. (AP Photo/Charlie Neibergall)

Michigan student Aaron Ruhlig cheers before the first half of the NCAA Final Four tournament college basketball semifinal game against Syracuse, Saturday, April 6, 2013, in Atlanta. (AP Photo/Charlie Neibergall)

Michigan players including Time Hardaway Jr., right, and Nik Stauskas (11) celebrate after defeating Syracuse in their NCAA Final Four tournament college basketball semifinal game on Saturday, April 6, 2013, in Atlanta. Michigan won 61-56. (AP Photo/Charlie Neibergall)

Syracuse's Rakeem Christmas (25) handles the ball as Michigan's Spike Albrecht (2) looks up during the first half of a semifinal in the the NCAA men's college basketball tournament Final Four, Saturday, April 6, 2013, in Atlanta. (AP Photo/Charlie Neibergall)

Syracuse's Brandon Triche (20) charges into Michigan's Jordan Morgan (52) during the second half of the NCAA Final Four tournament college basketball semifinal game Saturday, April 6, 2013, in Atlanta. Triche was called for charging. (AP Photo/Charlie Neibergall)

Syracuse's Michael Carter-Williams (1) falls to the court as Michigan's Tim Hardaway Jr. (10) vies for the ball during the second half of the NCAA Final Four tournament college basketball semifinal game Saturday, April 6, 2013, in Atlanta. (AP Photo/Chris O'Meara)

Michigan advances to play Louisville in the NCAA championship game after beating Syracuse 61-56 in the Final Four. Earlier, Louisville beat Wichita State, 72-68.

Here are some images from both games.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/347875155d53465d95cec892aeb06419/Article_2013-04-07-NCAA-Finals-Photo-Gallery/id-8a688d32fba447cfb5cf39495194ad7a

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Bumpwatch: Hillary Scott Glows at the ACM Awards

The Lady Antebellum frontwoman hits the red carpet of the Academy of Country Music Awards in a beautiful navy dress custom made by A Pea in the Pod.

Source: http://feeds.celebritybabies.com/~r/celebrity-babies/~3/f0xcvnqPbTs/

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CA-NEWS Summary

China asks North Korea to ensure safety of its nationals

BEIJING/SEOUL (Reuters) - China deplored rising tension on the Korean peninsula on Sunday but said its embassy was operating normally in the North Korean capital and it asked authorities there to ensure its diplomats and other citizens were kept safe. North Korea, angry about new U.N. sanctions imposed for its third nuclear weapon test in February, has made increasingly strident warnings of an imminent war with South Korea and the United States.

Powers and Iran fail to end nuclear deadlock in Almaty

ALMATY (Reuters) - World powers and Iran failed again to end the deadlock in a decade-old dispute over Tehran's nuclear program in talks that ended in Kazakhstan on Saturday, prolonging a standoff that could yet spiral into a new Middle East war. No new talks were scheduled but big power negotiators, who earlier this year were insisting that time was running out, were at pains to say the diplomatic process would continue.

Rights concerns overshadow trade ties on Putin's European trip

MOSCOW/BERLIN (Reuters) - Growing Western concerns about Vladimir Putin's record on human rights and democracy could mean a chilly reception for the Russian president on a trip to Germany and the Netherlands, Moscow's biggest trade partners in Europe. The nations need Russia for energy and as a market for exports ranging from Volkswagen Touaregs to tulips, but are uneasy about the influence its oil and gas give it and about Putin's treatment of opponents and activists in his new Kremlin term.

Afghan attacks kill U.S. diplomat, soldiers, others

KANDAHAR, Afghanistan (Reuters) - A car bomb blast killed five Americans, including three U.S. soldiers and a young diplomat, on Saturday, while an American civilian died in a separate attack in the east. The diplomat and other Americans were in a convoy of vehicles in Zabul province when the blast occurred, Secretary of State John Kerry said in a statement.

Gunmen ambush boat in Nigeria oil region, 12 police missing

YENAGOA (Reuters) - Nigerian militants ambushed a police boat in the oil-producing Niger Delta region over the weekend, and 12 policemen are missing from the boat, police said on Sunday. Police Commissioner Kingsley Omire said the boat carrying 50 police officials was headed to a funeral late on Friday when it developed engine problems in one of the winding creaks of swampy delta region, home to Africa's biggest oil industry.

Xi promises peaceful, prosperous China helping neighbors

BOAO, China (Reuters) - China's President Xi Jinping pledged on Sunday that change and peaceful development will power his country's economic rise and sustain growth within its borders and beyond. Stressing that peace was pivotal for the future of the world's second biggest economy, Xi appealed to business and political leaders to use diplomacy and dialogue to resolve disputes and allow wealth to spread and solve problems.

China to let tourists visit disputed South China Sea islets

BEIJING (Reuters) - China will this month start allowing tourists to visit the Paracel Islands, one of a group of disputed islets and reefs in the South China Sea, state news agency Xinhua said, a move likely to irk rival claimant Vietnam. A cruise ship that can accommodate 1,965 passengers is ready for sailing to the Paracels, known in Chinese as Xisha, Xinhua reported, citing ship owner Haihang Group Corp.

Five die in Christian-Muslim clashes in Egypt

EL KHUSUS, Egypt (Reuters) - Five Egyptians were killed and eight wounded in clashes between Christians and Muslims in a town near Cairo, security sources said on Saturday, in some of the worst sectarian violence in Egypt for months. Christian-Muslim confrontations have increased in Muslim-majority Egypt since the overthrow of former president Hosni Mubarak in 2011 gave freer rein to hardline Islamists repressed under his rule.

Two new bird flu cases in China amid poultry crackdown

SHANGHAI (Reuters) - Two more people have contracted bird flu in Shanghai, China's health ministry said on Saturday, as authorities closed live poultry markets and culled birds to combat a new virus strain that has killed six people. State-run Xinhua news agency said authorities planned to slaughter birds at two live poultry markets in Shanghai and another in Hangzhou after new samples of the H7N9 virus were detected in birds at the three sites.

Air strike kills 15 in Aleppo, Assad warns of regional turmoil

BEIRUT (Reuters) - A Syrian government air strike killed 15 people on Saturday, including nine children, in a district of the northern city of Aleppo where Kurdish fighters have been battling forces loyal to President Bashar al-Assad, a violence monitoring group said. The Syrian Observatory for Human Rights said a warplane had bombarded the western edges of the Sheikh Maqsoud district of Aleppo, Syria's biggest city, where Assad's forces have been battling rebels for nine months.

Source: http://news.yahoo.com/ca-news-summary-013955994.html

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POtHS - End Times - 36 - Church in the End Times - Chuck Missler - NEW

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POtHS - End Times - 36 - Church in the End Times - Chuck Missler - NEW Torrent Description

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My first home?

As I?ve been organizing things in my current home, I came across some pictures of the first home my husband and I owned. ?We had lived in apartments and even my in-law?s basement (which wasn?t as bad as it sounds), but this was the first home we could really work on. ?And boy, we didn?t mess around. ?I bought about ten gallons of paint even before we signed the closing papers. ?My DIY-juices had been bottled up long enough and I was ready to go. ?I was so hot to work on things, we cracked open the primer within 30 minutes of unlocking the door for the first time. ?I didn?t even take before pictures, which I really should have! ?So, I thought it would be fun to share those pictures here, so you can see how my style has evolved and notice some things that have stayed the same. ?(The pictures were taken with a flash and are scanned from photos, so they are pretty lousy. ?Just hang in there with me.)

Almost all of the furniture were hand-me-down and yard sale pieces. ?You can see that even in 2004, I loved blue & white, antiques and had a slight European bent.

This was the family room?

?If you?re really observant, you might notice the buffet back in the corner is the one that?s in my dining room now?painted. ?I put a brush to that piece as soon as my mom assured me it was okay. ?(My mom and dad bought it at an antique store when they were first married, so I felt like it was off-limits.)

I loved the blue on the walls. ?The color is called Bluestone by Eddie Bauer from Lowe?s. ?I still like the color, but I?ve definitely leaned towards lighter walls these days. ?Still blue, but a paler blue. ?

My kids cured me of all of the knick-knacks everywhere.

And here?s the one bathroom in the 1000 square foot place?

I went with Ink by Martha Stewart from Sherwin Williams. ?(Am I the only one who remembers the name of the colors used in a home they lived in seven years ago?) ?I ended up having to repaint in a lighter color later, because the blue pigment ran down the wall onto the white tile in the shower. ?Yikes! ?

The kitchen was where we did the most work?installed a spray-painted free chandelier, recessed lighting, under cabinet lighting, refaced the cabinets (our first major woodworking project), installed the cherry floors, new hardware, new faucet, and I went to town on the decorative painting.

I still have those chairs?

?They belonged to my husband?s great, great-grandparents and are probably about 100 years old. ?It?s about time to retire them from regular use. ?They?re very petite chairs and are sturdy, but they?re starting to creek a bit.

?

Ah, yes. ?The red room. ?This was Red Bay from Sherwin Williams, which is still one of my favorite reds. ?It?s a lovely rich red color and I had been waiting to paint a room red ever since my mom insisted I keep my bedroom walls white and I would be happy with red curtains?a 12 year old?s wound that couldn?t be healed except by painting a bedroom red when I owned my own home. ?Thanks mom.

I made all of the bedding from scratch. ?And, yes, you can feel sorry for my poor husband who had to memorize the pillow puzzle I created. ?I was much fussier in those days. ?

And here?s the guest room?

My scanner was giving me a hard time, so this is the only picture I have to share now. ?It was my ?neutral room? with mostly shades of white with touches of black. ?It?s the room where I displayed my first antique typewriter and used antique linens on the bed.

You can see I still have some of my antique dresses and they?re in my family room now.

And that?s the grand tour. ?Four rooms and a bathroom and that was it. ?Teeny tiny, but a place where my DIY energy was unleashed and it really paid off when we sold our house quickly (and for a nice profit) in a housing market that was on the down turn. ?I was sad when we sold that house and all of love?s labor that went into it and the memories of cramming 35+ teenagers into that place for monthly hangouts. ?I had just learned to really love it when we had to sell it. ?Believe it or not, it?s taken longer for me to find that kind of affection for our current home, but I?m almost there.

Anyway, it was fun for me to look at these pictures. ?I can see how much my tastes have been refined and also how I?ve been consistent in some of the things I love and am attracted to.

I hope you?ve enjoyed this little trip down pre-Miss-Mustard-Seed-lane.

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Source: http://missmustardseed.com/2013/04/my-first-home/

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