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Thursday, October 25, 2012
Romney looks to transform momentum into votes
MORRISON, Colo.?Mitt Romney isn't a rock star, but on Tuesday night, he was treated like one.
The Republican presidential nominee attracted nearly 12,000 people?easily one of his biggest crowds ever?at a rally held at one of the most famous concert venues in the country: the Red Rocks Amphitheater built into the Rocky Mountains outside Denver.
The historic open-air venue has hosted some of the more memorable performances in the annals of rock and roll, including a 1983 concert that marked the first time many Americans had heard of a then little-known Irish band called U2.
While Romney did not arrive on stage with the flash and showmanship of Bono, the GOP nominee, who was introduced by his running mate, Rep. Paul Ryan, elicited a reaction from the crowd that could have rivaled those received by any modern day pop star. Packed high into the nosebleed seats running high along the sandstone cliffs that were illuminated by blue lights and the now familiar "R" of the Romney campaign logo, people jumped to their feet and screamed at the sight of the GOP nominee.
"Wow," Romney said, pausing to bask in the glow of a crowd cheering so loud it made his words hard to hear. "What a place this is? This is a magnificent place. For a guy born in Detroit to come here and look at these extraordinary mountains? It's just overwhelming."
The rally capped off a day in which Romney sought to capitalize on what he repeatedly insisted was momentum coming off his three debates with President Barack Obama. Echoing remarks he made earlier Tuesday at a rally outside Las Vegas, Romney insisted his campaign was now "super charged" heading into the election's final two weeks.
"We're in the homestretch now, and I think the people of Colorado are going to get us all the way there," Romney said, imploring supporters in this key battleground state to vote early and to convince others to give his campaign a chance.
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Not unlike other recent speeches, the GOP nominee went out of his way to play up his history of working with Democrats as governor of Massachusetts and pledged that, if elected, he and Ryan would seek out "good Democrats and good Independents" willing to work to change Washington.
"We're going to have to have a real change. The president said he was a president of change," Romney said. "But in fact he's become a president of status quo. And the policies of the president are a continuation of what we have seen over the last four years."
But it's unclear how Romney's message of bipartisanship went down with the audience. Just before Romney took the stage, New Mexico Gov. Susana Martinez spoke about the need to turn the country around?and told supporters that the GOP's push to unseat Obama wasn't personal.
She praised Obama as a man who loves his family and his country?a comment that elicited loud boos from some in the crowd.
On Wednesday, Romney heads back to Nevada, where he'll hold a rally in Reno, before heading to Iowa and then to Ohio.
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Wednesday, October 24, 2012
Redskins QB RG3 doesn't have 'rookie mindset'
Washington Redskins quarterback Robert Griffin III (10) leaves the field after an NFL football game against the New York Giants, Sunday, Oct. 21, 2012, in East Rutherford, N.J. The Giants won 27-23. (AP Photo/Julio Cortez)
Washington Redskins quarterback Robert Griffin III (10) leaves the field after an NFL football game against the New York Giants, Sunday, Oct. 21, 2012, in East Rutherford, N.J. The Giants won 27-23. (AP Photo/Julio Cortez)
Washington Redskins quarterback Robert Griffin III (10) avoids a tackle by New York Giants cornerback Prince Amukamara (20) during the first half of an NFL football game on Sunday, Oct. 21, 2012 in East Rutherford, N.J. (AP Photo/Julio Cortez)
ASHBURN, Va. (AP) ? Robert Griffin III says he doesn't hold himself to a "rookie type of mindset."
The Washington Redskins quarterback told The Associated Press on Tuesday that it's not in his plans to take his time to help make the team into a winner.
Griffin says there "are guys on this team that don't have three, four years to wait for me to develop, and continue to use the excuse that I'm a young quarterback."
The rookie is living up to his word. He leads the NFL in completion percentage and has rushed for 468 yards seven games into his pro career.
Griffin took a break from football Tuesday to indulge in two of his passions. He's pushing the Rock the Vote campaign in connection with the Assassin's Creed III video game.
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Enough is Enough | The White Coat Investor- Investing And ...
The Compulsive Saver
A recent post on the Bogleheads forum (a well-known internet destination for the thrifty/frugal/compulsive saver) linked to a chapter in a book called Money Madness which says this about the compulsive saver:
The compulsive saver carries the idea of thrift to an illogical extreme?saving becomes an end in itself?savings is not done for some future reward; saving is its own reward?
The compulsive saver must put a certain percentage of every paycheck in the bank before paying bills or taking care of other financial obligations?paying full price for anything is a painful experience?satisfaction from spending money does not derive satisfaction from pleasure in the item purchased but from the fact that it was purchased at substantial savings.? The obsessive preoccupation with money overshadows everything else so that the only aspect of any object or event that registers in the mind of the compulsive saver is the cost.? A show or ball game is not seen as an evening?s recreation but as the expenditure of a ten dollar bill. A vacation cannot be enjoyed as an opportunity for a change of pace and a chance to unwind and relax.? Instead it is an experience of mixed emotions, with the pleasure ultimately measured by the amount of money painfully extracted from the purse or wallet.
I?m sure a few of us can relate.? Here are two recent examples from my life that have made me wonder if I?m slipping too far toward the compulsive saver side of the spectrum.
Savings Limits Increased
I hate paying taxes.? I do my best to pay as little as legally possible.? The best way for me to lower my tax bill is to max out my retirement and similar savings accounts.? Not only do these contributions lower my tax bill, but unlike other ways to lower it, like paying mortgage interest or donating money to charity, I get both the tax break and I get to keep the money.
So I?ve tried to do that ever since I?ve been a resident, and for the most part, have been extraordinarily successful at it.? But ?the bill? seems to go up every year.? When I was in the military all I had to do was put $17K into the 401K and $5K into each of our Roths.? $27K and I was done.? I could spend the rest ?guilt-free.?? I put a little toward the kids? college, saved a bit more in a taxable account (especially in late 2008 when stocks were on sale), and paid down the mortgage a bit, but for the most part just spent or gave away the rest my income.
Since I?ve gotten out, my opportunities for tax-advantaged saving have gone through the roof.? I can put up to $50K into our 401K/profit sharing plan.? I can still do $10K a year into Roth IRAs, via the backdoor route.? This year I became eligible to use our defined benefit/cash balance plan, another $15k.? I just switched to a high deductible health insurance plan, so now I can do an HSA (stealth IRA) for another $6250.? I?m now in a state where I get a tax deduction for 529 contributions, up to $10K a year.? The grand total I need to save now in order to minimize my taxes is a whopping $92,250.? Despite my increased income in private practice, that total still represents far more than the savings rate I recommend to readers of this site (20%.)
You can imagine my dismay to recently learn that due to inflation the IRS is going to allow me to save EVEN MORE next year.? A regular 401K contribution is going up from $17K to $17.5K, IRAs are going up to $5.5K each, and a profit-sharing plan limit is going up from $50K to $51K.? Even the 529s are going to allow me a slightly bigger deduction next year.? And I?m not even 50.? If I were I?d be able to put another $1000 into each IRA and another $5500 into the profit-sharing plan.? This increase feels an awful lot like an expense or a tax bill to me right now.
Now I?ve run the numbers and I don?t need to save $100K a year toward retirement in order to meet my retirement goals.? But I find myself inching out on the spectrum toward the compulsive saver in order to take advantage of these opportunities.? In fact, there are two other good investing opportunities only available to me in a taxable account right now: buying shares in my hospital and shares of the real estate our partnership uses for our business office.? But I hate to give up a guaranteed tax break to use these opportunities, and I really don?t want to limit my spending any more.
My Recent Shopping Trip
I enjoy spending time outside enjoying hobbies.? In the last year I?ve spent significant amounts of time downhill skiing, backcountry skiing, rock climbing, mountaineering, hiking, canyoneering, mountain biking, road biking, boating, water skiing, wakeboarding, camping, disc golfing, playing ice hockey and running.? Unfortunately, I have so many hobbies I?ve never been able to afford the best gear for all of them, especially now that my kids are getting into many of them.? The more I spend on a bike the less I can spend on skis.? If I fix up the boat, I can?t buy a new rope.? So I love opportunities to get quality gear on the cheap.? We woke up early this weekend to go to a ski swap well-known for great deals on nice gear.? After a couple of hours I?d picked up two pairs of skis, bindings, and poles, a couple of jackets, some boots, an avalanche probe, and a backpack, all used and severely discounted.? In fact my wife was mad when I bought the same pack for $25 that she had just purchased for me as a $200 Christmas present.? It was nice to finally get some of the stuff I?ve been wanting to buy for a while, but I have to admit that part of the pleasure of the experience was scoring ?the deal.?? And I?ve definitely experienced a painful sensation in the past when spending money unnecessarily while eating out or on vacation.? So I think I?ve definitely got a tendency toward a compulsive savings habit.? I suspect at? least a few of you do too.
Treating The Compulsion
So here are some tips if you find yourself forgetting ?moderation in all things.?
1) Grow Income-? If you?re like me, and want to max everything out, you can still do that AND have more money to spend if you make more.? You can increase your income by working more hours, by increasing your income per hour worked by making your practice more efficient, or by developing a side income.? It?s always easier to save $50K when you make $250K than when you make $200K.
2) Stop saving once you hit your goal- Run the numbers and figure out how much you really need to save each year.? Then when you hit it, stop saving.? If you?re not sure how much you need, I suggest putting 20% of your income toward retirement.
3) Remember that all stages of life are different- There are times in your life when saving should be a priority- such as your late 30s and your 40s.? A dollar saved in your 30s is 8 times as valuable as a dollar saved in your 60s.? Other stages, like med school and residency, and in retirement, are the time to spend.? Remembering your priority for your given stage will help you make the transition to spending your money.
4) Learn to enjoy spending as well as saving- Spending money is fun.? Saving money can also be fun.? Learn to enjoy both.? You save now to spend later, not to accumulate some huge stash of cash to die with.
5) Use a credit card-? If you?re unable to save enough money, I?ve recommended you get rid of your credit cards.? Credit cards have been shown to cause you to spend more money than if you spend cash, because it is more psychologically painful to part with the green stuff.? The reverse is also true.? If it?s painful for you to spend money, use a credit card.? A compulsive saver is unlikely to get into credit card trouble, so you might as well take advantage of the convenience.
6) Let your significant other buy stuff for you-? Many couples are composed of a saver and a spender.? If it?s painful for you to spend, have your S.O. go do it for you.? Then you get to enjoy some nice stuff without having to feel the psychological pain of buying it.
Most highly paid professionals aren?t saving enough money.? But if you?re at the other end of that spectrum, hopefully some of these tips will help you find balance between your spending and saving.? If you?re a good saver, how have you decided when enough is enough?? Comment below.
Photo Credit: Robert Doucette
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FIFA 13 Review - Video Games | Games Reviews Online in India ...
If you?re a football fan in India, chances are that you always look forward to two days every calendar year -- the opening weekend of the English Premier League and the launch of EA?s latest FIFA title. EA?s stranglehold and utter domination of the virtual football simulator game, slowly nurtured towards much adoration, has been noteworthy.
The disruptive bet of a new physics and gameplay feature introduced in FIFA 12 has been tweaked and perfected in FIFA 13, whereby the game doesn?t deviate too much from FIFA 12 and works towards improving the overall experience of the product. And FIFA 13 does so pretty well.
Presentation, new features
The mechanics of the game hasn?t deviated much from FIFA 12 to FIFA 13 -- the look and feel of the menus, cut scene animations, background atmosphere, physics, etc. But having said that, FIFA 13 admirably builds on the foundations of FIFA 12 by heightening the sense of realism experienced within the game. You can play real-life matches that reflect the form and shape of a team at any given day ? you can?t pick injured players, team morale is reflective of league position, etc. ? and the feature should be a great hit among fantasy football fans.
Prime among new features added to FIFA 13 is the skill games you have to take part in before kicking-off a game ? in FIFA 12 you had to run with the ball on the training ground which would transform into a packed arena. In FIFA 13 you play the skill games before kick-off, these are short snippets or challenges ? run into a designated area of the penalty box and put the ball in the top right corner of the net, take precise penalties, score a header, etc. ? randomized to help you focus before a game. It?s a great way of fine tuning technical parts of gameplay, too. Another aspect of the game that adds another level of realism to FIFA 13?s overall appeal is the in-game commentary ? the dynamic duo from FIFA 12 haven?t changed, but they call upon Geoff Shreeves and Alan McInally for updates from other live games and players injured during the game, respectively. This interplay between the commentators works seamlessly and is another nod towards FIFA 13?s mission towards improved realism in the game.
FIFA 13 is the first game in EA?s football franchise to support motion controllers ? yes, both Move and Kinect are supported. But gaming on the Move at least isn?t a fun experience ? you still have to use the left analog stick for player movement and the Move held in the other hand to point a cursor on the screen to aim passes, lobs or shots. Controlling and playing FIFA 13 through the Move motion controller isn?t as intuitive or natural as playing a round of golf in Tiger Woods PGA Tour 13 or swinging a racquet in Grand Slam Tennis 2. Motion controller support is clunky on FIFA 13 and it?s a work-in-progress for EA, something to focus on and fix in the next installment of the game.
Gameplay and graphics
You won?t notice anything drastically different between FIFA 12 and FIFA 13?s gameplay, other than a few subtleties in the latest version of the game. Player physics is fine tuned to further enhance depth and immersion in the game -- collisions are much more natural, the ball?s momentum matters while receiving a pass, player?s position plays a vital role in this regard, dribbling is even finer and precise than before, and that?s just a few noteworthy improvements. First Touch Control is the latest addition to the game, after the previous installments focused on dribbling and defensive aspects of the game.
FIFA 13 continues the encouraging gameplay mechanic tweaks introduced in FIFA 12 by making the game a little less predictive, and for all the right reasons. Sure it?s still easy to score a goal and yes the goalie could be more manoeuvrable but overall FIFA 13?s gameplay is very good, we have no complaints. And watching a game unfold on the screen isn?t far removed from the real deal. FIFA 13 successfully delivers a first class gaming experience, where one really feels that it?s far more than just a football simulator. Player likenesses have been improved, as usual, compared to the past version of the game, and all the new kits look great on them -- crowd animation remains largely unchanged, though. Glitches are either non-existent or next to none.
FIFA 13?s offline ?Become A Pro? and ?Manager? career game modes are a great way to spend time playing the title until FIFA 14 comes out. Minor nods to improving the long haul of a career game mode are evident -- for e.g., Manager mode gives you an improved home page, with descriptive coverage of things affecting your performance, players demanding to be in the starting lineup, CEO recommendation on a prospective player you?re signing or offloading to and from the team, and more. All of these are minor changes, but they help FIFA 13 become a better game than FIFA 12. The online gameplay is largely unchanged, with FIFA 13 introducing a Game of the Week which lets users take a crack at every weekend?s best game played with the same lineups and match conditions.
Conclusion
So should you buy the new FIFA 13? It?s a bit of a silly question, akin to asking Apple fans whether they?d buy the new iPhone 5. Some would question the pragmatism of spending Rs. 3,000 on a game that?s largely similar to last year?s edition with a handful of cosmetic overhauls and expected evolutionary upgrades. But that?s what we invariably end up doing, us football fanatics -- think of EA?s annual FIFA titles as subscriptions that we gladly renew every year. Fans of the franchise don?t even think twice before buying it, so invested they?re on EA and FIFA?s promise on churning up a truly spectacular football experience on our virtual screens. Surprisingly FIFA 13 is a better game than FIFA 12 and introduces features that the previous game lacks, minor updates or not, with features that you can only experience and enjoy in the latest installment of the game.
PES 2013?s gameplay may be slightly better than FIFA 13?s, and for people choosing between the titles an overwhelming reality remains. Those who have never played EA?s FIFA titles before, suffice to say that right now FIFA 13 is the definitive, most realistic and comprehensive football simulator experience you?ll ever play until FIFA 14 releases next year.
Tested on a Playstation 3
Developer: EA Canada
Publisher: EA Sports
Genre: Sports, Simulation
Platform: Windows, Xbox 360, PS3, PS2, PS Vita, PSP, Wii U, Wii, Nintendo 3DS, iOS, Mac OS X
Source: http://www.thinkdigit.com/Gaming/FIFA-13-Review_11133.html
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Mass. firm in meningitis case: Officials inspected
Mass. firm in meningitis case: Officials inspected
By JAY LINDSAYBy JAY LINDSAY, Associated Press?
?Mass. Gov. Deval Patrick gestures during a news conference regarding the Massachusetts pharmacy responsible for the meningitis outbreak during a news conference at the Statehouse in Boston, Tuesday, Oct. 23, 2012. The outbreak of meningitis, an inflammation of the lining of the brain and spinal cord, has sickened nearly 300 people, including 23 who died, in more than a dozen states. (AP Photo/Charles Krupa)
Mass. Gov. Deval Patrick gestures during a news conference regarding the Massachusetts pharmacy responsible for the meningitis outbreak during a news conference at the Statehouse in Boston, Tuesday, Oct. 23, 2012. The outbreak of meningitis, an inflammation of the lining of the brain and spinal cord, has sickened nearly 300 people, including 23 who died, in more than a dozen states. (AP Photo/Charles Krupa)
Dr. Madeleine Biondolillo, Director of the Mass. Bureau of Healthcare Safety, right, leaves at the conclusion of a news conference regarding the Massachusetts pharmacy responsible for the meningitis outbreak during a news conference at the Statehouse in Boston, Tuesday, Oct. 23, 2012. The outbreak of meningitis, an inflammation of the lining of the brain and spinal cord, has sickened nearly 300 people, including 23 who died, in more than a dozen states. From left are Mass. Gov. Deval Patrick, Mass. Health and Human Services Secretary JudyAnn Bigby and Biondolilo. (AP Photo/Charles Krupa)
Mass. Gov. Deval Patrick arrives for a news conference regarding the Massachusetts pharmacy responsible for the meningitis outbreak during a news conference at the Statehouse in Boston, Tuesday, Oct. 23, 2012. The outbreak of meningitis, an inflammation of the lining of the brain and spinal cord, has sickened nearly 300 people, including 23 who died, in more than a dozen states. (AP Photo/Charles Krupa)
Dr. Madeleine Biondolillo, Director of the Mass. Bureau of Healthcare Safety, addresses reporters during a news conference regarding the Massachusetts pharmacy responsible for the meningitis outbreak during a news conference at the Statehouse in Boston, Tuesday, Oct. 23, 2012. The outbreak of meningitis, an inflammation of the lining of the brain and spinal cord, has sickened nearly 300 people, including 23 who died, in more than a dozen states. (AP Photo/Charles Krupa)
BOSTON (AP) ? An attorney for a Massachusetts company linked to a deadly meningitis outbreak says it's "hard to imagine" state regulators didn't know the scale of its operations because it's worked so closely with them.
The statement by New England Compounding Center attorney Paul Cirel (sih-REL') came Tuesday after Gov. Deval (deh-VAL') Patrick announced the state has moved to revoke the company's operating license.
State officials say they found unclean conditions at the company and evidence it was making drugs for general distribution, a violation of its license.
Patrick says he's ordered regulators to conduct surprise inspections at similar types of pharmacies.
The company's attorney says regulators have always had complete access to the facility and inspected it last summer. He says the company's transparency shows its good-faith intention to operate within the bounds of its license.
Associated Press
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Tuesday, October 23, 2012
Australia marches ahead with India ties - despite a few trip ups
Australian Prime Minister Julia Gillard took a spill today on a visit to India, a country that Canberra is working hard to win over.?
Australia's Prime Minister Julia Gillard (l.) shakes hands with India's ruling Congress party chief Sonia Gandhi before their meeting in New Delhi October 17. Gillard is on a three-day state visit to India.
B Mathur/Reuters
EnlargeWhen it comes to bilateral relations, there are a few surefire ways that countries can chalk up some merit points. Australia, dogged by years of mediocre relations with India, a country it desperately craves a deeper relationship with, has put its big guns forward in trying to cement ties.
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This week, Australian Prime Minister Julia Gillard has been visiting the Indian capital New Delhi, in what has been billed as her most important foreign visit of the year, and she has used it to make a solid pitch to win over Indian hearts and minds.
Australia's reputation in India was tarnished in 2009 after a spate of violent attacks on Indians studying there left one man dead. Australian officials spent months in damage control, and hope this visit will draw a line under those events.
Ms. Gillard's first step was to announce yesterday that Australia would award its highest civilian honor, the Order of Australia, to India's veteran star cricketer, Sachin Tendulkar. Cricket is played in both countries and is followed with religious fervor in the subcontinent, making Tendulkar one of India?s most popular figures. The decision was questioned at home in Canberra, however it is not the first time Australia has granted the honor to a foreign cricketer.
Next, she launched Oz Fest (www.ozfestindia.com), a $3 million, four-month-long cultural festival that will take Australian artists, musicians, comedians, sportspeople, writers, and more to 18 towns and cities across India, to help convey the notion that Australia is about more than kangaroos and beaches.
Earlier today, Gillard met with her Indian counterpart Prime Minister Manmohan Singh. Their talks included the most talked about aspect of the burgeoning relationship: cooperation on a deal for Australia to sell its uranium to India. Australia has an estimated 23 percent of the world's known uranium reserves, and late last year overturned its long-standing refusal to engage with Delhi, a nonsignatory to the Nuclear Non Proliferation Treaty.
The move altered the tenor of the relationship significantly. India has long wanted Australian uranium to power its nuclear ambitions, as it has decided that nuclear is the best way forward to redress its yawning energy deficiency. In 2008 India signed a deal with the US to buy its nuclear technology; a reliable supply of uranium would complete the chain.
The two countries are also working on a free trade agreement, and they are both pitching hard to attract more trade and investment between them. Currently, bilateral trade stands at around $20 billion, and Gillard wants to double that. Australia is rich in natural resources such as LPG and coal, and the country's education and technology industries are also of great interest to the Indians.
The Australian leader also announced a desire for greater military cooperation for the Indian Ocean, which lies between the two countries.
It all points to India's growing importance on the world stage. Australia, a middling power that recently elevated to the world's 12th largest economy, in the past focused primarily on China, but is now looking to diversify with another strong regional relationship. Now, it ranks a relationship with New Delhi as one of its top bilateral priorities, and good economic ties as vital to its future prosperity.
The trip could not have come at a better time for Gillard, who is riding a crest of newfound global popularity as a feminist icon, after making a speech in parliament in which she delivered a stinging smackdown to Australia?s opposition leader Tony Abbott in parliament last week.?The video of the speech, in which she brands him as sexist and a misogynist, went viral around the world, prompting the Macquarie Dictionary to update their definition of the word ?misogyny?, and had even The New Yorker hailing her bravura. The video was played on Indian news channels, helping to raise her profile ahead of her trip.
But just in case Gillard was feeling a bit too superhuman, fate stepped in during today?s visit to the Gandhi Memorial and tripped her up. Spectacularly.?
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