Wednesday, May 25, 2011

Unabomber stuff to be sold by U.S. Marshals

The U.S. Marshals Service has put a few of the personal things of Theodore John “Ted” Kaczynski, also called the Unabomber, up for auction. The online auction is underway and will continue until June 2. The proceeds will go to some of the victims of Kaczynski’s almost 20 yearlong mail bombing spree.

What will auction

The auction will sell about 60 lots of things found when Kaczynski was captured on April 3, 1996 in his cabin. The hooded sweatshirt and dark glasses he is known for could be found in these items. Other items consist of personal documents, for instance driver’s licenses, birth certificate, deeds, hand-written letters, checks and academic transcripts. Anything used by Kaczynski for instance bows and arrows, tools, books or clothing will be sold also along with photos. You can also buy a typewriter he used to write the Unabomber Manifesto, which is what individuals call it. The real name of it is The Industrial Society and Its Future. Almost 20,000 pages of that document, in both hand-written and typed versions, will also be auctioned.

The catalog, photos and information of all the auction items are available at the GSA auction site.

A domestic terrorist

Kaczynski was a mathematical prodigy after bring born in 1942 in Chicago, Ill. When he was sixteen, he got his undergraduate degree at Harvard. He then went to the University of Michigan and got a PhD in mathematics. Since society became more relied on technology, Kaczynski started to become frustrated. To be able to be “self-sufficient,” Kaczynski moved to a one-room cabin in Montana in 1971. He got the name Unabomber, because of University and Airline bomber put together, because of his sixteen homemade mail bombs he sent to many airlines, universities and other targets between 1978 and 1995. His bombs were responsible for killing three individuals and injuring 23 others. For a long time, Kaczynski was searched for by the FBI. He was finally arrested in 1996 after being turned in by his brother and sister-in-law. The “supermax” prison in Florence, Colorado, is where Kaczynski is being held at the age of 69 in a life sentence without the poss! ibility of parole.

How it turned into an ironic thing

In a statement to the press, “We will use the technology that Kaczynski railed against in his various manifestos to sell artifacts of his life,” was what U.S. Marshal Albert Najera said.

Paying for his stuff

The money put into these items will be unclear. Nobody knows the value quite yet. The Marshals have a spokeswoman names Lynzey Donohue. “This is an unusual type of case,” she said. “It’s really difficult to put a value on these items because of the intrinsic value they have based on his notoriety.”

Articles cited

NY Daily News


The Sacramento Bee

GSA Auctions

Monday, May 23, 2011

Term life insurance exchanged by mixed policies

The nature of long-term care and life insurance policies has changed rapidly in these uncertain hard times. Many customers are reluctant to put out large amounts of money for future benefits, especially when those benefits may never become necessary. The insurance industry has changed this trend by selling combination goods that blend long-term-care with standard life insurance.

Choosing the long term care could possibly be good

Generally mixed life insurance policies utilize universal life, in which a portion of the death benefit may be used early to help pay for long-term care should it become necessary. These mixed policies have been available for a while but have recently been gaining popularity. A mixed product, combining two products into one, sounds attractive to many customers. A policy holder may still get life insurance even if the long-term car is not necessary.

The number of traditional policies still accessible

Sales of the hybrid policies more than doubled in 2010, according to Gebworth Financial Inc. By contrast, the sales of traditional long-term-care insurance have plummeted by nearly 25 percent over the last five years.

“Most people who purchase hybrid insurance are not purchasing it because they want life insurance,” said John Ryan, a Colorado-based broker. “They’re purchasing it because they need long-term-care insurance, and the sales pitch that you can get your money back no matter what is pretty compelling,”

Those that have retired

About 69 percent of Americas turning 65 each day will need long-term care at some point, according to Washington-based lobbying group for retirement homes, LeadingAge, with those numbers doubling by 2040.

Getting your use out of your policy

There are very different details on hybrid insurance plans with many different versions available. Usually a person is given a cash-value life insurance policy with the option to use it for long-term care benefits instead. When using the long-term care benefits, death benefits are no longer accessible. That is the tradeoff.

Reasons to stay away from it

There are several things to consider with a two-for-one product. Usually they’re strict with rules on combined products. There is no room to move. Usually a mixed product does not cover home care. It does not change for inflation either. The different long-term care accessible to be covered is typically specialized. It is impossible to predict future care needs, and often that is exactly what the insurance companies expect you to do. While purchasing a mixed product is cheaper than purchasing two different policies, it is also typically more expensive than purchasing a dedicated long-term care policy.

Make sure you know what you are doing

With any investment, including this one, you need to always stay well informed and know what you are getting. Make sure you know the product well. It always helps to have advice from an impartial financial adviser.


Dail Finance

Elder Law Answers


Sunday, May 22, 2011

NBA mock draft 2011 top 10 picks

The 2011 NBA Draft could turn out to be quite a snooze-fest, according to Bill Simmons and Chad Ford of ESPN. The following top 10 projections for an NBA mock drafts for 2011 start – and end in the minds of many – with Duke’s Kyrie Irving.

How about Cleveland Cavaliers: Kyrie Irving, PG (Duke)

Kyrie Irving is really great and will be a top-15 point guard most likely, although he is not amazing. Baron Davis was never good enough for the Cavs. Irving may be just what the team needs.

Minnesota Timberwolves: Enes Kanter, Center (Turkey) as an option

While on the Wolves, Kevin Love showed off a fantastic season. Still, the team could work on getting better. Keeping Love around may be hard. They may need a large man to help. The 6-foot-11, 272-pound Kanter is considered a gamble by some, however many scouts see him as a high-energy rebounder and defender who would make opposing guards think twice about strolling down the lane.

Utah Jazz to pick Derrick Williams, SF (Arizona)

Even though Williams was a power forward as a Wildcat, he will most likely be a small forward in the NBA. Utah may simply give up on the rest of the 2011 NBA Draft crop and ask for a popular male. This would be BYU’s Fredette.

Cleveland Cavaliers: Jonas Valanciunas, C (Lithuania)

The Cavs need a big male so Anderson Varejao is not alone. Valanciunas could be the perfect pick.

Toronto Raptors: Kemba Walker, PG (Connecticut) chances

Toronto seriously needs Kembra Walker. He can be the new point guard to help the Raptors out.

Washington Wizards have the choice of Kawhi Leonard, SF (San Diego State)

Leonard is a fantastic athlete while very good at rebounding and could be an excellent complement to John Wall with the Wizards. Leonard may be perfect to go with John Wall on the Wizards. He is an excellent rebounder and athlete.

Sacramento Kings: Brandon Knight, PG, Kentucky possibility

Speed, defense and a good outside shot from the point in Knight would allow the Kings to use Beno Udrih as the super backup or 2nd ball-handler the offense needs to really get moving.

Detroit Pistons: Jordan Hamilton, SF (Texas) possibility

With Tayshaun Prince leaving as a free agent, small forward becomes top priority. Hamilton can both shoot and rebound the ball.

Charlotte Bobcats wants Jimmer Fredette, Shooting Guard (BYU) just like everyone else

In order to make sure there is at least one consistent scorer, Charlotte will hope to get Fredette. Otherwise, Bismack Biyombo from the Congo should amp up the frontcourt athleticism while aggressively challenging shots.

Milwaukee Bucks: Tristan Thompson, PF (Texas)

Thompson is athletic and can run even though he is 225 pounds and 6-foot-8. If the Bucks are not gun shy following the failed Yi Jianlian pick from 2007, they may go international and snag Biyombo if he’s available.


Bleacher Report

Fox Sports

The Sporting News

2011 NBA Draft Lottery highlight: The final three

Saturday, May 21, 2011

The coffee addicted men could be glad to know coffee helps prostate cancer

Drinking excess amounts of coffee might be the way to get to a long life, as it might be able to ward off prostate cancer. A new research is being unveiled concerning coffee consumption and its effect on prostate cancers. It found that men who drank six cups a day or more had the lowest rates of prostate cancer, including the deadliest forms of it.

Motives for caffeine

A new study has just been released from the Harvard School of Public Health that will comes as good news to coffee houses guys addicted to caffeine, according to MSNBC. It is great for health to drink a ton of coffee even though there might be some down sides. This was shown as the chance of getting prostate cancer was much lower with a man who drank coffee a lot. The study, according to CBS, followed 48,000 men from 1986 to 2008 and gathered information about their coffee habits every four years. Those who had a habit of six cups or more had the smallest occurrence of prostate cancer, both generally and specifically the deadliest forms.

Results against what old study said

A study was done 30 years with opposite results by the Harvard School of Public Health. The research in the other research showed that it was flawed though. Coffee habits of patients were reviewed by asking them. Patients reported more specifically on their coffee habits when they had cancer. That phenomenon, known as “recall bias,” can contaminate results easily. The study just released showed that guys had 20 percent less chance of getting the deadliest forms of prostate cancer if they drank 6 or more cups a day. They had 60 percent less of a chance of getting the cancer at all too. Anyone who drank 3 or less cups a day had 30 percent less chance. The caffeine made no difference to the study.

Conclusions unknown

WebMD reports that the reason why there could possibly be this effect is not known although there are theories with antioxidants. Many health benefits, such as low risk of heart disease and cancer, have been shown to correlate with dietary antioxidants. Other studies on the benefits of coffee consumption have credited coffee consumption with lower risks for Type 2 diabetes, Parkinson’s disease and gout. One in six guys is impacted by prostate cancer making it probably the most common cancer in men. Each year, over 30,000 prostate cancer fatalities occur. This is the U.S. rate.

Information from




Friday, May 20, 2011

North Carolina H810 could change rules on personal financing

For a change, lawmakers are showing some love for installment loan companies with proposed legislation H810. The proposed H810 legislation would relax a restriction within the North Carolina Consumer Finance Act to be able to permit a charge of up to $100 extra in processing fees on installment loans of $2,000 or less. Lawmakers are also seeking to add a handling charge of $3 per month for every $100 borrowed.

Marines being cautious with fee increases on loans

Borrowers would be affected by the higher loan fees that "encourage usurious lending" and put borrowers into a debtors prison easily, according to Michael Archer. He is the Marine Corps Installations East director of Legal Assistance. He took the time to denounce payday lending while he was at it. This is in spite of the fact that North Carolina currently has a ban on the practice.

"We have a lot of businesses, particularly lenders, that target military installations, large places like Camp Lejeune and Fort Bragg," said Archer. "We have a very unsophisticated population as well. They have crosshairs on their backs and they are vulnerable."

This concern was pointed out by Archer even though the installations such as Camp Lejeune have very strict rules on loan companies. These are about how close the installment and military loan businesses can be to the military base at any time. Consumers will always discover a way if they need them though.

"It's very difficult, both procedurally and practically, to put a place off limits," Archer told the Daily News.

New topic of instruction inserted

Marines and families of the Marines will be able to go to some educational workshops if H810 is put into law. These will be started by Camp Lejeune financial counselor Lewis Summerville. All of the extra instruction would make it easier for military customers to make good decisions. They wouldn't get an installment loan without first knowing about them.

If educators like Summerville all start doing military lending education in the right way, then this would likely be the case. The "just say no" idea is all the North Carolina Marine families will be taught, the Jackson Daily News thinks.

"We can only educate and make sure they make the right choice in not taking that loan," said Summerville.

Research yourself

Most independent studies have shown that private loans do not trigger poverty. The loans really will contribute to financial well-being for many people. If Michael Archer and Lewis Summerville had taken the time to read existing research, perhaps they’d have valuable information to add to the installment and military loan dialogue.

Information from

Jacksonville Daily News–.html


North Carolina Consumer Finance Act

North Carolina professionals support installment loans

Thursday, May 19, 2011

Sydney the location for Australian brothel

The Australian city of Sydney will soon be home to a dubious landmark. The biggest brothel in Australia will open its doors there. The largest building of its type in the country will officially take the title once remodeling is complete, and the existing structure becomes a three story, 40 room luxury resorts. Though Australia allows prostitution, very few countries do, and residents near the proposed brothel are not particularly pleased.

Suites accessible in reconstruction

An additional floor of suites will be added with the $12.7 million reconstruction in Sydney, Australia to the resort building while the number of rooms accessible will increase. MSNBC reports that the building will most likely become the largest Australian brothel, making it different from other hotel renovations. There will be two bedrooms with king beds, a spa and pool tables in the brothel, called Stilleto, on the third floor. There will be seven of these suites. There will be 40 rooms at Stilleto’s after the remodel. This doubles from the 20 accessible before.

How the neighbors feel

Stilleto caters to “lawyers, movie stars, accountants and professional athletes,” according to MSNBC. A three story brothel in the neighborhood makes some neighbors mad. The Sydney Morning Herald states the residents near Stilleto aren’t happy about the idea. They do not want people coming and going all night long. The neighborhood security will be tightened though with security guards on the building grounds, which does help ease this anger.

How most nations feel about it

Prostitution is only legal in eight counties in Nevada in the United States. Wikipedia states that other parts of the world look at it differently. Brothers are illegal while it isn’t regulated in most nations. Everyone involved must be 18 or older in Italy where brothels aren’t allowed although the trade is. Whether or not Ruby the Heartstealer got paid before she was eighteen by Italian Prime Minister Silvio Berlusconi has not yet been decided. The Christian Science Monitor reports he is in legal battle with it right now. Prostitution is illegal in most of the world, however, and the nations in which it is legal and regulated are a small minority.

Information from


Sidney Morning Herald

Christian Science Monitor


Cadillac replaces two old models with the new XTS

Cadillac’s new XTS model is supposed to come out next year. The XTS will replace both the STS and DTS models. The date for production to begin has yet to be declared. GM plans to sell off the remaining DTS and STS first, however.

Auto show reveals concept automobile to start with

The Platinum concept vehicle at the 2010 Detroit Auto Show was what Cadillac used to start its XTS. The auto will be built on a stretched form of GM’s front-wheel-drive Epsilon II platform (which underpins vehicles as diverse as the Chevy Malibu and the Buick LaCrosse) and will be built at GM’s Grand River plant in Lansing, Mich.

Many like the convenience and comfort in the auto

The production model will evidently be slightly narrower than the concept vehicle and feature a slightly longer rear overhang. The features will have connectivity and infotainment. Both the rear-seat and front seat passengers will get this. GM’s direct-injection, 3.6 liter V-6, will power the vehicle. It will have controlled shock absorbers so the ride is gentle.

If the production model remains true to the concept, the XTS could come with an all-wheel-drive option, various V-6 power plants and potentially a plug-in hybrid drive line. There has been no confirmation, but a rumor is that there could be 8-cylinder engine choices.

Cadillac goes up against BMW

Now that both the DTS and STS models are being changed in Cadillac’s lineup, the current entry-level CTS can move slightly up-market in an attempt to become a rival to BMW’s 5-series and the Mercedes E-class. This in turn will make room for the new, smaller ATS sedan (which is slated to arrive in the summer of 2012) to go up against the BMW C-class and the 3-series.

Old leaves so new can stay

Cadillac has already ceased production of the six-year-old STS. DTS is almost done too. The last will be built in the next month. Before the XTS replacement is built, Cadillac plans on selling the 900 STS models and 3,000 DTS models left.


Car and Driver


Wednesday, May 18, 2011

Investors says US must increase taxes

In order to make a dent in the federal debt, foreign investors believe the U.S. must raise taxes, based on a new Bloomberg Global Poll. Almost two-thirds of those polled believe the Republican party is wrong that only spending cuts will reduce the deficit by a significant amount.

GOP and Obama not in agreement

Before the next fiscal year starts on Oct 1, Obama and GOP have to agree upon deficit-reducing measures, which 60 percent of investors do not think will take place. However, an even higher percentage of respondents (70 percent) are “confident” that Congress will raise the $14.29 trillion debt limit to be able to keep away from default that would send borrowing costs skyrocketing for every person, eliminate a lot of jobs and hurl stocks, home values and retirement savings into a financial abyss.

Obama popularity does not change the truth

After Osama bin Laden died, the popularity of Obama went up drastically. Still, investors are worried about what the GOP plan will do. Fifty five percent of the U.S. investors in the Bloomberg poll did not think it would be possible to “significantly” affect the federal debt without raising taxes, although many of the investors liked the GOP approach.

In the fiscal 2012, the U.S. budget debt is expected to hit $1.1 trillion. The fiscal 2011 will end with a huge deficit too. It could be about $1.5 trillion.

Taxation, without free stuff

About 40 percent of the federal budget includes Social Security and Medicare-related programs which typically have not been considered in spending budget cuts before. This has prompted some to assert that higher taxes are the only way to make a deficit-busting difference.

Cutting these entitlements is a very unpopular idea. Still, it would conserve a ton of money for the future if they might be cut. About 20 percent of the federal budget is Social Security. The Center on Spending budget and Policy Priorities states that this is about $707 billion yearly. About $732 billion goes to Medicare and related programs, which is about 21 percent.

While touching entitlements will likely remain a pipe dream, Harvard University economics professor Martin Feldstein suggests in a recent New York Times op-ed that a better alternative might be increasing tax revenue, rather than tax rates, by limiting tax deductions, credits and exclusions.

Rate of interest goes up

There’s a 10 year low that bond market yields have hit. Bloomberg states this bad news. As there is an inverse relationship between bond values and interest rates, numerous experts fear that interest rates will become dramatically higher, a traditional result of an industry crisis. There was a rise in the Bloomberg poll in the number of investors that think there will be another market crisis from 18 to 22 percent.

Information from


Center on Budget and Policy

New York Times


Cenk Uygur on taxes and the deficit

Monday, May 16, 2011

May 21, 2011 - Rapture or bust

Doomsday is coming again, according to Camping. May 21, 2011, will be the day. A $5 million billboard advertising campaign is trumpeting the day.

'The Bible guarantees it’ is said

“Cry mightily unto God,” admonish billboards advertising a May 21, 2011, Judgment Day broadcast by Oakland, Calif.-based Family Radio network founder Camping. The broadcast is scheduled to air May 21 from 8:30 p.m. to 10 p.m. on Family Radio affiliates, of which there are more than 150 across the U.S.

Camping believes May 21, 2011, can be the Rapture, when true Christians are gathered together in the heavens to meet with Jesus Christ. Then, on October 21, 2011, Camping believes the Earth and universe will be destroyed by God. That is just five months to wait. The last time Camping predicted these events would kick off was in Sept of 1994.

Doomsday forecasts aren’t an exact science

Camping is not unlike the many before him who forecasted the end of the world. They have all used the Bible to figure it out. Mathematical calculations are used to figure out when end of the world is. They use the idea that seven days is equal to seven millennia. Camping decided May 21, 2011 was 7,000 years after Noah was told by God there would be a global judgment which was based on the Hebrew calendar.

“The Bible has given us absolute proof that the year 2011 is the end of the world during the Day of Judgment, which will come on the last day of the Day of Judgment,” says Camping on

Proven untrue for doomsday forecasts

Four ends of the world predictions were proven to be untrue. Here they’re:

1806’s The Prophet Hen of Leeds

Leeds is an English town that allegedly had a chicken in 1806. Its eggs said, “Christ is coming,” allegedly. Someone carefully watched the egg laying process. This proved the eggs were being tampered with.

The Millerites, April 23, 1843

Between March 21, 1843 and the same time in 1844, New England farmer William Miller thought doomsday would occur. His followers, the Millerites, helped him determine an exact date. This is how April 23, 1843 came about. Followers sold much of what they owned. They didn’t even sell it for much money. The Seventh Day Adventists came out of the group.

End comes from Halley’s Comet in 1910

In 1881, Astronomers decided that 1910 would be the end. This would be due to a tail of Halley’s Comet that the Earth would pass through. Stories about mass extinction via poison gas made the front page of the New York Times, but by 1910, scientists knew better.

Heaven’s Gate scared many in 1997 with theories

There were 39 members of the Heaven’s Gate cult that took their lives in a mass suicide. The appearance of the Hale-Bopp comet in 1997 was interpreted as the coming of an alien spaceship. Heaven’s Gate leader Marshall Applewhite assured his followers that the only way to get on board for paradise was to leave their earthly bodies behind.

Information from


WFMY News 2

Wikipedia entry for Harold Camping

Doomsday and apocalypse (Beware: Contains scripture)