Scottsdale, AZ (PRWEB) May 1, 2006
Nirenstein Ruotolo Group, P.L. C., one of Arizonas most prestigious family law firms, has found that more women are taking necessary steps to protect themselves, their children and their assets in case of divorce.
According to the National Vital Statistics Report issued by the Centers for Disease Control on March 31, 2006, over 18,660 Arizona marriages ended in divorce between January and September 2005, up slightly from previous years. As divorce rates continue to increase, women are becoming more actively involved in educating themselves about divorce and child and spousal support.
Women are more aware of protecting their rights during a divorce, said Alexander D. Nirenstein, NRGs managing member. Our job is to make sure our clients are educated and receive positive results in their cases.
NRG has consistently reached out to assist women in understanding their rights in a divorce. Fred Ruotolo, a founding partner of NRG, participated in the 2006 Arizona Familys Womens Expo. Ruotolo spoke to attending women about a range of topics related to family law and child custody.
The women in attendance at the Womens Expo inquired about an assortment of topics such as child custody, spousal support and property division, said Ruotolo. We were able to provide these women with empowering information, helping them make better decisions for their future and the future of their children.
NRG also hosts Arizonas source for blogging Web site information on family law. Arizona Family Law Blog is the definitive site for up-to-date information on cases that affect family law and divorce, interesting legal news from around the nation and in-depth answers to important family law questions. Visitors to http://www.azfamilylawblog.com can reply to any of the posted topics with questions or comments and receive responses from the lawyers at NRG.
About Nirenstein Ruotolo Group P.L.C.
Founded in 2003 by accomplished family law attorneys, NRG is a boutique family law firm that provides professional representation in Arizona divorce and family law litigation, mediation, appellate review and mental health and elder law services. NRG boasts nine experienced family law attorneys, two litigation analysts, four paralegals, and five support personnel. The firm represents many diverse clients, both in Arizona and nationally, and is one of the most-respected law firms in Arizona practicing divorce and family law exclusively. For additional information, please visit http://www.nrglaw.net.
For more information, contact:
Beth Glick (Crosby-Wright P.R.)(480) 367-1112
LOS ANGELES (PRWEB) April 19, 2007
Yonkers, NY (PRWEB) August 6, 2007
The online threats associated with using the Internet remain high according to Consumer Reports’s latest “State of the Net” survey. Consumer Reports projects that U.S. consumers lost more than $ 7 billion over the last two years to viruses, spyware, and phishing schemes.
Additionally, the “State of the Net” survey shows that consumers face a 1 in 4 chance of succumbing to an online threat and becoming a cybervictim, a number that has slightly decreased since last year.
The number of consumers responding to e-mail phishing scams has remained constant at eight percent. Consumer Reports projects that one million U.S. consumers lost billions of dollars over the past two years to such scams.
Many underage youngsters are at risk on social networks such as MySpace and Facebook, the survey found. In households surveyed with minors online, 13 percent of the children registered on MySpace were younger than 14, the minimum age the site officially allows, and three percent were under 10. And those were just the ones the parents knew about.
Based on the survey, Consumer Reports projects that problems caused by viruses and spyware resulted in damages of at least $ 5 billion replacement over the past two years.
The 2007 “State of the Net” survey was conducted by the Consumer Reports National Research Center among a nationally representative sample of more than 2,000 households with Internet access.
Consumers can visit http://www.ConsumerReports.org/security to access the full “State of the Net” report including free tips related to online protection, avoiding viruses, and reporting cybercrimes.
Among CR’s key 2007 “State of the Net” findings:
Based on survey projections, computer virus infections prompted an estimated 1.8 million households to replace their computers in the past two years and 850,000 households to replace computers due to spyware infections in the past six months. Additionally, 33 percent of survey respondents did not use software to block or remove spyware. And CR projects that 3.7 million US households with broadband remain unprotected by a firewall.
Spam: Consumer Reports’ survey respondents have reported a lower proportion of spam reaching their Inbox than in the past, which CR believes is a result of better spam-blocking. Survey results indicate that about 650,000 consumers ordered a product or service advertised through spam in the month before the survey. Additionally, in 5 percent of the households surveyed that had children under 18, a child had inadvertently seen pornographic material as a result of spam.
Viruses: Computer virus infections held steady since last year according to CR’s survey. CR notes that this is actually a mark of progress for consumers and software makers, because the threats have become more challenging. In the latest survey, 38 percent of respondents reported a computer virus-infection in the last two years. Seventeen percent of respondents didn’t have antivirus software installed.
Spyware: In the past six months, 34 percent of respondents’ computers were exposed to a spyware infection. CR’s survey also reveals that although spyware infections have dropped, the chances of getting one are still 1 in 3, and of suffering serious damage, 1 in 11.
Phishing: Eight percent of respondents submitted personal information in response to conventional phishing e-mails in the past two years, a number that has remained unchanged over the past two years. The median cost of a phishing incident is $ 200. Yet scammers’ tactics are improving – e-mail looks like it comes from a reputable business such as a bank and features better grammar, more believable stories, and more authentic-looking Web addresses.
Consumer Reports rates internet security suites
Consumer Reports tested nine internet security suites, four of which are Quick Picks that protect against viruses, spyware, and spam as effectively as the best stand-alone products.
LOS ANGELES (PRWEB) May 6, 2008
New York, NY (Vocus) October 8, 2008
GLSEN, the Gay, Lesbian and Straight Education Network, today released the most comprehensive report ever on the experiences of lesbian, gay, bisexual and transgender (LGBT) students, The 2007 National School Climate Survey. The report is being released in conjunction with the announcement that GLSEN will partner with the Ad Council on a multiyear national public education campaign targeting anti-LGBT language among teenagers.
The survey of 6,209 middle and high school students found that nearly 9 out of 10 LGBT students (86.2%) experienced harassment at school in the past year, three-fifths (60.8%) felt unsafe at school because of their sexual orientation and about a third (32.7%) skipped a day of school in the past month because of feeling unsafe.
“The 2007 National School Climate Survey reveals that, on a whole, the situation is still dire for many LGBT youth when it comes to school safety,” GLSEN Executive Director Kevin Jennings said. “It’s hard to believe that anyone who reads this report could continue to turn the other way as our nation’s LGBT students are bullied and harassed at alarming rates. The good news is there’s hope. The 2007 National School Climate Survey also shows that when schools and educators take action, they can make a drastic difference.”
Key Findings of The 2007 National School Climate Survey include:
A Hostile School Climate and the Effects on Academic Achievement:
Atlanta, GA (Vocus) November 9, 2010
Preparing for retirement is like training for a marathon. It takes dedication, determination and a long-term commitment, along with the right support and resources to complete the race. The ING family of companies in the U.S. (ING), today released the results of a nationwide survey of retirement plan participants that underscores how Americans are at a disadvantage when it comes to their own financial marathon.
Research Reveals Most Workers Under-Estimate the Potential Long-Term Power of a Modest Retirement Raise as They Save for Retirement
Nearly 6 in 10 Say They Could Increase Their Annual Contribution Rate Today by Up to 3% of Salary
More than 1 in 5 Set Contribution Rate Based on Gut Feel
ING Rolls Out Easy-to-Use Contribution Rate Calculator to Encourage Greater Retirement Savings
The survey, commissioned by the ING Retirement Research Institute, confirmed that employer-sponsored retirement plans are incredibly important to the workers who participate in them, but most are not maximizing the savings power of these plans to their full potential. The research found that plan investors often fail to recognize the potential long-term benefits that even a small contribution rate increase can produce in helping them successfully reach their retirement goals.
Americans Admit They Can, Should Be Saving More
INGs survey clearly indicates that Americans know they are responsible for their retirement, and admit they could be saving more.
According to the findings, a majority of workers (87%) said they could be saving more in their employer-sponsored retirement plan, a savings vehicle they deem critically important to reaching a secure retirement and the foundation of most their retirement savings strategy. In fact, of the 1,000 workplace retirement plan participants surveyed, nearly two-thirds (64%) said their employer-sponsored retirement plan accounts for all or most of their retirement portfolio. However, many participants are not stretching to maximize their contributions when they can. Moreover, they tend to rely on guesswork when setting contribution levels, and dont fully understand the importance and long-term impact of small increases in contribution rates.
Americans today understand that they shoulder a greater responsibility for securing their own retirement, said Rob Leary, CEO, ING Insurance U.S. They also recognize that an employer-sponsored retirement plan is the cornerstone of their efforts to save for retirement. Still, the issue for many workers, made even more urgent in shaky economic times and an era of volatile equity markets, is scrubbing household budgets and, when possible, finding more dollars to save for retirement. Being cost-conscious is certainly important and prudent, but at the same time, people must also find ways to contribute more into their retirement accounts.
And its not like theyre confident in the future of Social Security. In fact, more respondents (51%) think its more likely that scientists will clone dinosaurs in their lifetime than it is that Congress will save Social Security, and 77% of those with kids at home say their child is more likely to catch a foul ball in the seats at a baseball game than cash a Social Security check.
INGs findings suggest that even though workers may acknowledge the retirement saving challenge, it has not necessarily resulted in better saving behaviors, at least not in their employer-sponsored retirement plans. Of those participants not contributing the maximum to their retirement plan, an overwhelming majority (87%) admitted they could afford to increase their annual contribution by 1% of their annual salary; almost six in ten (59%) said they could up their contribution by 3% of salary; and nearly one third (32%) said they could afford a 5% increase.
The irony is that Americans love raises, Leary said. In our survey, most respondents (76%) would prefer even just a slight raise over a shorter commute to work. We recognize that the current economic environment is challenging for most everyone and robust salary increases are currently not the norm; nevertheless, Americans cannot delay giving themselves a retirement raise. A modest increase in your workplace retirement plan contribution rate can go a long way toward ensuring a more financially secure retirement.
Most Workers Overlook Long-Term Impact of Modest Contribution Rate Increases
INGs survey also indicated that plan participants lacked a clear understanding of contribution rates and the lifetime value of even small increases.
In fact, for many workers, setting workplace retirement plan contribution rates appeared to be either a guess or a back-of-the-envelope calculation. Very few of those surveyed consulted outside resources in determining their contribution levels. Nearly two-thirds (65%) determined their contribution rate themselves, and one in five (21%) said they go by gut feeling.
When asked to estimate the lifetime value of a 2% increase in their contribution rate, only a small percentage could even come close. More often, people miscalculated. Forty percent of respondents underestimated by 50% or more and just about a third (32%) over-estimated by 50% or more.
After choosing to participate in the plan, the most important decision workers make is setting their contribution rate each year, said Catherine Smith, CEO, ING U.S. Retirement Services. However, for too many, participation and contribution rate elections are just another box to check. We need to be more deliberate and take the time to consider things like tax impact, compounding, and the effects of employer matches in making these elections.
Employer-Sponsored Plans the Cornerstone of Retirement Savings
For most Americans, understanding and maximizing the use of workplace retirement plans is critical since these plans are not only the cornerstone of their retirement portfolios, but the main vehicle through which they are exposed to and learn about investing.
Nearly half of the plan participants polled (44%) admitted that if they didnt have a retirement plan at work, they probably wouldnt be saving for retirement at all. In fact, most respondents (58%) said their employer-sponsored retirement account (401(k), 403(b), or 457) was their first investment and over half (52%) said their plan was the main place they learned about investing.
In addition to offering entry to the investing world, many respondents said that their workplace retirement plan continues to provide critical investment knowledge and insight. Better than two out of five (42%) said all or most of their investment knowledge comes from managing their employer-sponsored retirement account.
They also gave overwhelming credit to their employer for putting them on the right path. In fact, those polled cited their employers as having the most influence in getting them to start saving for retirement, followed by family and friends. Moreover, their employer match was cited by most participants as the most important reason they contribute to their workplace plan. Still, there is clearly room for progress. Over half (55%) agreed that if their employer provided them with more detailed education, they might contribute more to their plan. In fact, better than 7 in 10 (72%) wished their company customized information for their personal situation.
For many working Americans, an employer-sponsored retirement plan isnt simply a stepping stone into the investment world, its the foundation for their future investing education and financial decision-making, said Smith. The lessons learned in managing a workplace retirement plan are critical, and they can make the difference between a long and comfortable retirement and a retirement that falls well short of their dreams and goals.
ING Retirement Contribution Rate Calculator
(Vocus) November 9, 2010
The Williams Institute, a research center on sexual orientation law and public policy at UCLA School of Law, announces new findings from the U.S. National Longitudinal Lesbian Family Study (NLLFS), the longest-running study ever conducted on American lesbian families (now in its 24th year). In an article published today in the Archives of Sexual Behavior, the 17-year-old daughters and sons of lesbian mothers were asked about sexual abuse, sexual orientation, and sexual behavior.
The paper finds that none of the 78 NLLFS adolescents report having ever been physically or sexually abused by a parent or other caregiver. This contrasts with 26% of American adolescents who report parent or caregiver physical abuse and 8.3% who report sexual abuse.
According to the authors, “the absence of child abuse in lesbian mother families is particularly noteworthy, because victimization of children is pervasive and its consequences can be devastating. To the extent that our findings are replicated by other researchers, these reports from adolescents with lesbian mothers have implications for healthcare professionals, policymakers, social service agencies, and child protection experts who seek family models in which violence does not occur.”
On sexual orientation, 2.8% of the NLLFS adolescents identified as predominantly to exclusively homosexual.
The study was conducted by Nanette Gartrell, MD, Henny Bos, PhD (University of Amsterdam), and Naomi Goldberg, MPP (Williams Institute). Principal investigator Nanette Gartrell, MD, is a 2010 Williams Distinguished Scholar, an associate clinical professor of psychiatry at UCSF, and affiliated with the University of Amsterdam.
For more information about this study, please see Archives of Sexual Behavior:
Also, visit the NLLFS website at http://www.nllfs.org
Dr. Gartrell can be reached by email at the address on this page, or by telephone at 1-415-346-2336.
The Williams Institute advances sexual orientation law and public policy through rigorous, independent research and scholarship, and disseminates it to judges, legislators, policymakers, media and the public. A national think tank at UCLA Law, the Williams Institute produces high quality research with real-world relevance. For more information go to: http://www.law.ucla.edu/williamsinstitute/home.html
San Francisco, CA (Vocus) December 5, 2010
For the first time, researchers have established a clear link between accepting family attitudes and behaviors towards their lesbian, gay, bisexual and transgender (LGBT) children and significantly decreased risk and better overall health in adulthood. The study shows that specific parental and caregiver behaviors — such as advocating for their children when they are mistreated because of their LGBT identity or supporting their gender expression — protect against depression, substance abuse, suicidal thoughts and suicide attempts in early adulthood. In addition, LGBT youth with highly accepting families have significantly higher levels of self-esteem and social support in young adulthood. The study is published in the Journal of Child and Adolescent Psychiatric Nursing, a journal of the International Society of Psychiatric-Mental Health Nurses, in a peer-reviewed article titled Family Acceptance in Adolescence and the Health of LGBT Young Adults.
Despite all the recent attention to health risks and disparities for lesbian, gay and bisexual youth, prior to this study, little was known about how families express acceptance and support for their LGBT children. Moreover, no prior research had examined the relationship between family acceptance of LGBT adolescents and health and mental health concerns in emerging adulthood.
At a time when the media and families are becoming acutely aware of the risk that many LGBT youth experience, our findings that family acceptance protects against suicidal thoughts and behaviors, depression and substance abuse offer a gateway to hope for LGBT youth and families that struggle with how to balance deeply held religious and personal values with love for their LGBT children, said Dr. Caitlin Ryan, PhD, Director of the Family Acceptance Project at San Francisco State University. I have worked on LGBT health and mental health for 35 years and putting our research into practice by developing a new model to help diverse families support their LGBT children is the most hopeful work Ive ever done.
Ann P. Haas, Ph.D., Director of Prevention Projects for the American Foundation for Suicide Prevention, noted, With this new groundbreaking study, Ryan and her colleagues have provided the strongest evidence to date that acceptance and support from parents and caregivers promote well-being among LGBT youth and help protect them from depression and suicidal behavior. These findings open the door to a whole new focus on how families can be helped to more fully engage in the kind of behaviors that reduce suicide risk in LGBT adolescents and young adults.
Times have changed, said Stephen Russell, PhD, President Elect of the Society for Research on Adolescence and a consultant to the Family Acceptance Project. More and more families want to be accepting of their children. Yet, many families still struggle when a child comes out as LGBT. Its essential to have research like this to deeply understand the ways that families show their acceptance, so that we can identify how to support families.”
The study, authored by Dr. Caitlin Ryan and her team from the Family Acceptance Project at San Francisco State University, which shows that accepting behaviors of parents and caregivers towards their LGBT children are protective against mental health risks — including suicidal behaviors — has critical implications for changing how families relate to their LGBT children and how LGBT youth are served by a wide range of providers across disciplines and systems of care, including custodial care systems such as foster care. The study was funded by The California Endowment, a health foundation dedicated to expanding access to affordable, quality health care for underserved individuals and communities.
Major Research Findings:
Somis, CA (PRWEB) February 21, 2011
In January of this year, The United States Federal Department of Health and Human Services (HHS) announced that fluoride levels in tap water are too high.
Fluoride, originally credited with reducing tooth decay, has been the source of civic debate for many years both in the US and abroad. In the US, in addition to fluoride in the water, children are often given fluoride toothpaste and even fluoride supplements.
New evidence shows that 2 out of 5 children suffer from a condition called fluorosis, where fluoride intake has reached toxic levels. Symptoms include white spots on teeth and pitting in the tooth enamel which is aesthetically unappealing.
While fluorosis is currently the main concern behind the HHS announcement, a more alarming issue is that if a child under the age of six swallows larger-than-normal amounts of fluoride toothpaste, it can be fatal, which is why there is a warning on all toothpastes containing fluoride. To further complicate this situation, children are often attracted to toothpaste because of its candy-like taste, creamy texture and/or bright sparkly coloring.
The HHS plans to lower the recommended levels for fluoride in water to 0.7 milligrams per liter of water. This is the first decrease in 50 years, where until now fluoride levels have been 0.7 to 1.2 milligrams per liter.
Safer Alternatives for Your Children
These health concerns have led to an increased interest in fluoride free toothpaste with xylitol.
Several studies are reporting xylitol, a sugar alcohol sweetener, has similar cavity fighting properties as fluoride and is a safe substitute. In fact, the positive effects of xylitol may be more than fluoride for healthy teeth and gums.
In 2007, Dr. Peter Milgrom, professor of dental public health sciences at the University of Washington and director of the Northwest Center to Reduce Oral Health Disparities, found that xylitol could be more effective than fluoride.
Xylitol, found in both chewing gun and toothpaste, stops oral bacteria from emitting acid that causes tooth decay and makes it difficult for bacteria to adhere to tooth surfaces.
Dr. Milgroms study monitored 100 infants as they received varying dosages of xylitol syrup each day for a year. They concluded that the syrup prevented 50 percent to 75 percent of tooth decay in the toddlers. If you give children regular fluoride treatments two to three times a year, you would get a 30 percent reduction in tooth decay, Milgrom said. We got double the amount of tooth decay prevention using xylitol.
For those who want a healthy smile, but are concerned about their familys fluoride consumption, fluoride free toothpaste with xylitol or xylitol chewing gum are better choices that fluoride toothpaste and supplements.
About Dr. Flora Stay:
Dr. Flora Stay, a practicing dentist and professor at the USC School of Dentistry, is recognized as a leading authority on wellness and has been a contributing author to many of the very popular Rodale Books on health such as: Women and Health, Herbal Health, Health and Aging, and Natural Prescriptions for Women.
Dr. Stay has written for or been interviewed in many publications, including Prevention, Mens Health, Total Health, Womens World, Health World, the Ventura County Star, and the New York Times.
Dr. Stay has authored several books, including The Fibromyalgia Dental Handbook and the Secret Gateway to Health.
Cleure was founded in 2000 by Dr. Flora Stay, with the creation of the Cleure dental health line, which contain Xylitol rather than fluoride, and were also sodium lauryl sulfate (SLS) free, anti-microbial free, chlorine dioxide free, peroxide/PRG/PGG free, saccharine free, salicylate free.
Today, Cleure specializes in SLS free and fluoride free dental health products, personal care products for salicylic acid allergy, as well as skin care and cosmetics for sensitive skin.
Cleure is founded on the principal that you can be healthy and beautiful without the risk of potential toxins and irritants.
Dr. Stay understood the importance of providing her patients with a quality, chemically safe toothpaste. She quickly discovered, however, that many of the popular natural toothpastes also carried harmful ingredients. For example, most natural toothpastes contained sodium lauryl sulfate (SLS), a harsh detergent added to toothpastes, shampoos and other personal care products to make the product foam. SLS has been linked to outbreaks of canker sores, allergies and various health concerns. Likewise, Dr. Stay found that most of the natural toothpastes use aluminum tubes, which can leach aluminum into the paste over time.
These discoveries led her to the revelation that, Just because something is natural, doesnt mean it is good for you. It is more important to look for truly safe and effective products than it is for natural products.
Dr. Stays principled scientific approach to dental health has expanded into many other aspects of personal care. Cleure is now a team of science and health experts, who incorporate their latest research into on-going product development and improvement.
Today, Cleure is at the forefront, formulating and marketing a complete line of salicylate-free, paraben-free, fragrance-free dental care and personal health products including sensitive skin care and make-up for sensitive skin.
Belleville, Ill. (PRWEB) October 20, 2011
The unemployment rate for people with disabilities has climbed for the fourth consecutive quarter to reach the highest rate since tracking began in 2008, according to a study by Allsup, a nationwide provider of Social Security Disability Insurance (SSDI) representation and Medicare plan selection services.
The Allsup Disability Study: Income at Risk shows that people with disabilities experienced an unemployment rate more than 85 percent higher than the rate for people with no disabilities for the third quarter of 2011. Specifically, the unemployment rate averaged 16.3 percent for people with disabilities, compared with 8.8 percent for people with no disabilities. These figures are based on non-seasonally adjusted data from the U.S. Bureau of Labor Statistics. The quarterly rate hasnt been this high since reporting of the disability unemployment rate began in the fourth quarter of 2008.
The Allsup Disability Study: Income at Risk shows that 737,468 people with disabilities applied for SSDI during the third quarter of 2011, down 3 percent from the previous quarter. Year-to-date, nearly 2.22 million people have filed disability claims, compared with nearly 2.23 million applicants by the same time last year. Since the fourth quarter of 2007, when the recession began, more than 10.8 million people have applied for SSDI. Nearly 1.8 million SSDI claims are pending with an average cumulative wait time of more than 800 days, based on Allsups analysis of the Social Security disability backlog.
Disability applications have increased significantly over the past few years, said Paul Gada, personal financial planning director for the Allsup Disability Life Planning Center. The economy is one factor, with some people with disabilities never able to return to work after a layoff. Another factor is the aging population, with most baby boomers now in their late 40s to early 60s, Gada said. The average SSDI applicant is nearly 53 years old.
Some people with disabilities who are unable to work may put off applying for SSDI, and older individuals may simply wait to age into Social Security retirement benefits. Either of these actions, however, can result in a serious financial impact, both now and in the future.
People who are qualified need to understand the SSDI process, apply as soon as possible and prepare themselves and their families for the likelihood of living on a significantly reduced income, Gada cautioned.
Understanding Social Security Disability Benefits
SSDI is a mandatory, tax-funded federal insurance program providing individuals with financial resources if they are unable to work for 12 months or longer because of a severe disability, or if they have a terminal condition. Individuals must have paid FICA taxes to be eligible. Social Security disability benefits are calculated using the persons earnings history.
Allsup outlines several financial benefits to those who qualify for SSDI: