What is the Mediterranean Diet?

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The Mediterranean diet, recently called the healthiest diet in the world, is a way of both enjoying the lifestyle of and eating based on the traditional foods (and drinks) of the countries surrounding the Mediterranean Sea. This includes Italy, Greece, Spain, and Morocco.

The health benefits of a Mediterranean diet have been studied extensively in the last 10 years, resulting in better science and more clinical evidence.

What Foods are Included in the Mediterranean Diet?

The Mediterranean diet includes extra virgin olive oil, chickpeas, nuts (i.e. hazlenuts and walnuts), vegetables, fruits, fish, and whole grains are all included. There is a moderate consumption of dairy products (mostly as cheese and yogurt). Additionally, there is an emphasis on a variety of minimally processed and, wherever possible, seasonally fresh and locally grown foods (which often maximizes the health-promoting micronutrient and antioxidant content of these foods).

Opposed to many diets which exclude alcohol, the Mediterranean diet allows for moderate consumption of wine, normally with meals; about one to two glasses per day for men and one glass per day for women. From a contemporary public health perspective, wine should be considered optional and avoided when consumption would put the individual or others at risk.

Does the Diet Include Exercise?

Regular physical activity at a level which promotes a healthy weight, fitness and well-being is generally included in the diet as well. The Mediterranean diet, according to many nutritionists and health specialists, is more of a lifestyle than a traditional diet.

What Diseases Does the Diet Prevent and/or Reduce?

The February 25 New England Journal of Medicine published the results of a large Spanish study that found persuasive evidence that the Mediterranean lowers the risk of strokes and heart disease. In the featured study, participants who enjoyed plentiful amounts of these foods had less cardiovascular disease than subjects who followed a more conventional low-fat diet that included red meat. The results were so overwhelmingly clear that researchers study ended the study early. The researches concluded that among persons at high cardiovascular risk, a Mediterranean diet supplemented with extra-virgin olive oil or nuts reduced the incidence of major cardiovascular events.

A separate but also recent analysis of more than 1.5 million healthy adults demonstrated that following a Mediterranean diet was associated with a reduced risk of overall and cardiovascular mortality, a reduced incidence of cancer and cancer mortality, diabetes, and a reduced incidence of Parkinson’s and Alzheimer’s diseases.

Is This Diet New?

Although filed in with the myriad of fad diets, the Mediterranean diet is far from new. In 2010, UNESCO recognized this diet pattern as an Intangible Cultural Heritage of Italy, Greece, Spain and Morocco.

For thousands of years, residents along the Mediterranean coast have enjoyed the delicious diet and engaging in regular physical activity. They don’t think of their eating habits as a diet plan; it’s simply a way of life that can lead to long, healthy lives with less chance of chronic disease.


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What Happened with the Fiscal Cliff?

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The fiscal cliff has been averted — at least for the time being — after a year of worrying, debating, and discussing. Congress and President Obama decided to raise taxes a bit, delay the scheduled budget cuts that promised to crush the economy, and create a plan that will delay (for now) a total economic meltdown.

The “fiscal cliff” is the term used to describe the situation our government faced at the end of 2012, when the terms of the Budget Control Act of 2011 were scheduled to go into effect (December 31 at midnight). In the beginning of the 2013, about $500 billion in tax increases and $200 billion in spending cuts were scheduled to take effect. Now that the House has passed a Senate deal to avert the fiscal cliff, it will become law when President Obama signs it.

According to CNN, there are five things to know about the complex bill, and what it does and doesn’t do:

1. No side won: Republicans accepted higher taxes for the wealthiest Americans. Democrats accepted a higher threshold for how much income will face a higher tax rate. President Obama broke a vow to raise tax rates on annual household income over $250,000 and individual income over $200,000.

2. We may have a new definition of the ‘wealthiest’: President Obama made raising tax rates on the top 2% of earners in America a centerpiece of his re-election campaign. The 2% figure includes those with income over $250,000. The compromise bill changes that figure. Tax rates will go up only for individuals with income over $400,000 and families earning more than $450,000. The deal does, however, cap some deductions for individuals making $250,000 and for married couples making $300,000. That allows the president bragging rights to say the deal raises taxes on people at those income levels. But he said just weeks ago that capping deductions at the $250,000 level would not be enough and that tax rates would rise.

3. Three more fiscal cliffs are on the way: The deal delays the sequester, a series of automatic cuts in federal spending, for two months. In the meantime, the Senate plan calls for $12 billion in new revenue and another $12 billion in spending cuts. The spending cuts are to be split between defense and nondefense spending. The other two: the debt ceiling and a continuing budget resolution.

4. The majority of House Republicans opposed it: Although House Speaker John Boehner supported the bill, the No. 2 Republican in the chamber, Majority Leader Eric Cantor, opposed it, as did most Republicans in the House. So while the Senate vote was an overwhelming 89 to 8, the House vote was 257 to 167. The vast majority of House Democrats supported the bill.

5. Your paycheck is still likely to shrink: The deal does not address an increase in payroll taxes. No legislation to address the fiscal cliff is expected to. Now, the cut on those taxes has expired. In monetary terms, those earning $30,000 a year will take home $50 less per month, and those earning $113,700 will lose $189.50 a month.

 

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What is Bookkeeping?

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Most people are involved in some sort of bookkeeping, whether for their personal use or for their organization, yet there are many misunderstandings about what bookkeeping actually is.

Many San Diego accountants believe that their clients should be educated on bookkeeping in general, so that they can have better understanding of why they do things and what the finances of their own business need to do.

Bookkeeping is the recording of all financial transactions undertaken by an individual or organization. The organization may be a business, a charitable organization or even a local sports club. A financial transaction is any event that involves the exchange of money.

In short, bookkeeping is “keeping records of what is bought, sold, owed, and owned; what money comes in, what goes out, and what is left.”

The name comes from the fact that financial information used to be recorded using pen and ink in paper books – hence “bookkeeping.” However, these days it is more commonly recorded in a computer system.

Individual and family bookkeeping involves keeping track of income and expenses in a cash account record, bank account statements, credit card statements, or savings account passbook. Individuals who borrow or lend out money also track how much they owe or are owed from others.

Two most common bookkeeping methods used are the single-entry bookkeeping system and the double-entry bookkeeping system:

  • Single-entry bookkeeping uses only income and expense accounts. Its is a simple method of bookkeeping relying on a one sided accounting entry to maintain financial information.
  • Double-entry bookkeeping requires recording each transaction twice, as debits and credits. It is a set of rules for recording financial information in a financial accounting system in which every transaction or event changes at least two different nominal ledger accounts.

While many companies outsource their bookkeeping to accountants, bookkeeping San Diego specialists agree that any individual or organization involved in bookkeeping should be aware of the process and what goes into it. A more informed client can assure that his or her accounting services are the most appropriate for their needs.


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What should I do before installing rooftop solar panels?

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Solar panels can provide a home with clean energy and reduce the utility and electricity bills. However, there are five things that a person should do before installing rooftop solaire energy systems:

  1. Understand the electricity bill. It is important to find out how much is paid per kilowatt-hour for electricity in ones home. A large amount of the electric bill covers supply and delivery charges, which are independent on the amount of electricity used. Being aware of ones usage and energy patterns – in addition to how much one actually pays for electricity –  can help a person make n informed decision on solar power.
  2. Increase energy efficiency.  Any San Diego solar installer would agree that energy efficiency improvements should be made before solar installation. A house that is poorly insulated, for instance, is not very energy efficient. Some states will offer rebates for those who have a professional home energy audit performed before solar is installed.
  3. Reduce current energy consumption. If a person installs solar panels, they’ll want to get the most out of their investment. So how can someone get the most out of their energy? By starters, reducing the amount of energy consumed – turn the lights off, buy energy efficient appliances, etc. Any solar energy produced from the solar panels will offset more of the total usage; the less that is used, the more that is saved.
  4. Check the roof. Not all roofs are alike. Certain roof orientations provide better sun exposure than others. It is important to know if the roof location will receive full sun between the high sun hours – which are generally 9am to 3pm. For example, a south-facing roof with no obstruction will on average receive maximum sun exposure. Solar panels will generate power in less-than-perfect conditions, but in these cases the panels are not being used to their full potential.
  5. Check the bank. After a person decides they are ready for solar panels, it is important for them to check their financial situation. Renewable energy does save money, but installation is expensive and the return on investment can take up to ten years. In addition, it is important to find out if the state one lives in offers any special solar-related programs. If you live in California, for example, returns on investment will occur fast and there are several programs (such as the California Solar Initiative) to simplify the process.

Solar panels can be a great way to get clean, renewable energy and reduce the amount paid in electricity bills. It is always a smart idea to be an informed and educated customer before installation.

 


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What are the Differences Between Obama and Romney’s Energy Policies?

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Energy policy is the way in which a government will decide how to address the issues of energy production, distribution, and consumption. The 2012 Presidential Election is coming to an end, and several of the debates have honed in on the two presidential candidate’s energy policies. There are similarities and differences between President Barack Obama and Governor Mitt Romney’s positions on energy development. Here are some of their energy positions on select, relevant topics:

Clean Energy

  • Obama supports renewable energy, and under his term renewable energy doubled. He is for government investments in renewable energy, including wind, solar, biomass and electric vehicles. This includes all clean energy policies from subsidies for residential rooftop solar panels San Diego projects to large-scale wind farm tax credits.
  • Romney is against clean energy and would cut any existing funding for it. He opposes government investments in both solaire energy systems and wind energy, and puts his support in the oil industry. Romney would rather invest in oil drilling and natural gas.

Climate Change & The Carbon Footprint

  • Obama believes in climate change, and issued the first ever carbon dioxide reduction requirements for vehicles and new power plants. He supports cap-and-trade systems.
  • Romney is not convinced by the climate science and believes that carbon dioxide is not harmful to health. He opposes any sorts of carbon tax and cap-and-trade systems. If elected, he would amend the Clean Air Act to prevent the Environmental Protection Agency (EPA) from reducing carbon pollution.

The Keystone XL Pipeline

  • Obama has already approved the southern part of the Keystone XL, but is unsure of his opinion on the northern sector. He is waiting until the environmental analysis of the new Nebraska route is finished in 2013 to decide.
  • Romney favors “North American Independence”, and has said that on day one of his prospective Presidency he would authorize the Keystone XL pipeline.

Oil & Natural Gas Drilling

  • Obama supports expanded oil and gas drilling and the development of natural gas resources. He would open more offshore areas for oil drilling and support drilling on existing leases. However, he would maintain the drilling moratorium off the Pacific coast and most of the Atlantic coast. He favors an “all of the above” strategy and wants to continue reduction in US reliance on foreign oil.
  • Romney also support expanded oil and gas drilling and the development of natural gas resources. However, he favors “North American energy independence,” leaning heavily on increased imports from Canada and higher US production. He would allow drilling on federal lands and waters. Romney would give that power from the Interior Department to states and would open all federal lands and waters for drilling. In addition, he would keep tax incentives and tax breaks for oil and gas drilling.

Coal

  • Obama wants to reduce greenhouse gas emissions from fossil fuels and the EPA has negotiated agreements with some utilities to close down aging coal plants (many to be replaced by natural gas-fired plants).
  • Romney would remove obstacles and EPA regulations that are “impeding the development of coal”.

The two presidential candidates have several similarities and differences between their energy policies, the fate of which will affect not only the US economy, but the global one as well.


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What is the difference between solar energy and solar power?

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Earlier this month, California celebrated its solar power milestone when the state generated over 1,000 megawatts of solar power during a heat wave. Despite its growing popularity, many Americans are still unsure on how to take advantage of this potential source of energy.

Solar energy is the primary energy source for Earth. It is received in the form of sunlight. Solar power is the conversion this sunlight into electricity. Solar panels make it possible to convert solar energy to solar power.

Photovoltaic solar panels can harness solar energy from direct sunlight as well as indirect sunlight, such as when it is cloudy. Photovoltaic solar panels San Diego are made using two pieces of silicon – one negatively charged and one positively charged – that are put together in glass casing with a metal frame.

Silicon, as a semi-conductor, can transfer the solar energy into electricity. This happens when sunlight hits the cell, and electrons are knocked off the positively charged silicon and move toward the negative charge. While they are moving, a thin wire on the negative silicon piece acquires the free electrons, creating both an internal circuit and electrical current.  When connected to an external electrical circuit, the current can then be harnessed and utilized in different areas in ones home and business.

In layman’s terms, the silicon transfers and converts the solar energy into electricity that can be used to power homes and businesses.

Solar power can be used for residential, industrial, and commercial purposes. Once harnessed through the solar panels, it can be used to provide hot water for washing and heating buildings and pools, as well as air conditioning. Other innovative products that can use solar power include electric vehicles, sports stadiums, and trashcans – and new products are being created every day.



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How do I resolve a legal dispute without going to trial?

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conflict resolutino sydneyLawsuits don’t always mean going to trial. In fact, the majority of civil lawsuits are settled long before trial through out-of-court agreements. Legal experts in conflict resolution Sydney, refer to these tactics as alternative dispute resolution (ADR), which can encompass a number of ways to resolve conflicts without a lawsuit or, if the lawsuit has already been filed, without a trial.

ADR can be used for many types of disputes including divorces, business and real estate disputes, landlord/tenant disputes, contractors, disputes with contractors, financial disputes, employer-employee disputes, inheritance disputes, and conflicts between neighbors. The following are different kinds of ADR that are appropriate to consider for almost any kind of dispute.

Negotiation:

Most cases can be settled through negotiations where those involved in the dispute (or their attorneys) directly communicate with each other to try to reach an agreement. If no agreement is reached, those involved may try alternative ways of resolving the dispute.. If the parties do reach a satisfactory compromise, they should have their lawyers put it in writing so both parties can sign it.

Mediation:

If your attempts to negotiate a settlement are unsuccessful, you may want to try to resolve the dispute through mediation. In mediation, a trained mediator will help you and your opponent resolve your disagreement by identifying, defining, and discussing the things about which you disagree, in an effort to help you reach a mutual agreement.

Arbitration:

In arbitration, on the other hand, a neutral arbitrator reviews presentations from both sides and makes a decision. Such presentations could include documents related to the dispute and witness testimony provided during the arbitration. The arbitrator’s decision may or may not be binding. If the decision is binding, it generally is final and cannot be appealed (challenged). If the arbitrator’s decision is non-binding, however, you could take your case to trial if you do not agree with the decision.

Send a Demand Letter:

If negotiation and mediation have failed but you still want to avoid a trial, then the next step is to ask your lawyer to write a carefully thought-out letter to the person with whom you have a disagreement. This is called a demand letter, and should include an accurate summary of the history of the problem and a date by which you would like a response or settlement. Dispute resolution Sydney experts, say this approach may seem destined to fail, but sometimes, putting the conflict on paper, in a logical, readable manner can help the two parties rethink their stances and resolve issues on the spot.


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What is eminent domain?

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eminent domain attorneyEminent domain is an action of the state to seize private property without the owner’s consent by providing just compensation. The rule is normally applied when building highways, train tracks or public property for the benefit of a community and the action is protected by the U.S. Constitution.

Today, eminent domain has been expanded to private projects as well. The U.S. Supreme Court set a precedent for government to transfer property to private interests when there is a “public interest” such as economic development back in 2004. The eminent domain lawyer for the case pressed the high court to vote 5-4 in favor of economic development projects that create jobs, increases taxes and other revenue, and revitalizes a depressed or blighted area that qualifies as “public use.”

Known as compulsory purchase in the United Kingdom, New Zealand and Ireland, or resumption/compulsory acquisition in Australia, or expropriation in South Africa and Canada, the theme is generally the same, applied in through different methods in different regions.

For example, in Wisconsin, the eminent domain law does not explicitly allow for the transfer of property to a private entity. Following the decision, the Wisconsin Legislature adopted eminent domain legislation to protect the rights of private property owners. Act 233, which went into effect in April 2006, defined blighted property based on a variety of conditions that would make it “detrimental to the public health, safety, or welfare.”

Legally-identifiable factors contributing to a finding of blight could include abandonment; dilapidation; deterioration; age or obsolescence; inadequate ventilation, light, air, or sanitation; overcrowding; unsafe conditions; and other factors. For a property with a single dwelling eminent domain attorney experts say a finding of blight requires an additional condition, either that it is not occupied by the owner or a relative, or the crime rate in, on, or adjacent to the property is at least three times the crime rate in the remainder of the municipality in which the property is located.

Still, there was room for broad interpretation of the blight definition in Wisconsin. In 2011, Sen. Mary Lazich, R-New Berlin, hoped to tighten the definition of “blighted areas” to provide additional protection for property owners from eminent domain when the intent is to transfer interests to a private entity, but the bill failed to pass in the senate in March.


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How do I avoid legal and accounting troubles with business partners?

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tax preparation in encinitasWhen choosing strategic business partners one must consider how they will choose the right people, create an appropriate structure, define expected measures of success and identify potential threats or failures. Most importantly, one must not overlook legal and accounting in Encinitas issues that may arise during the partnership. Below are some key points the Financial Post recommends when starting a successful, trouble-free business relationship between two entities.

Protect intellectual property: It is important that any business agreement safeguards the intellectual property of each participant. Doing so helps to reduce the risk of unnecessarily exposing what makes your company special. This alone can have considerable implications on the ownership of licenses and future royalties.

Protect confidential information: To protect confidential information, you can limit its access to those who require it to carry out the obligations defined in the alliance agreement. Another safeguard is to agree upon and monitor specific standards for sharing, managing and guarding confidential information.

Define sharing agreements: Alliances are built on the premise of sharing resources such as data, intellectual property, competitive intelligence, and access to employees and customers. Sharing such resources creates a unique set of legal and business requirements that need to be included in an alliance agreement. Begin by taking an inventory of the resources that you plan to share so that they may be included.

Partner with competitors. Defining the rules around sharing in an alliance agreement is particularly important when forming an alliance with a competitor. For example, competitive partners in the airline industry establish rules around sharing routes, and competitive partners in the auto manufacturing industry develop detailed rules about sharing vehicle components. In fact, hyper-competitive partners often develop a “co-opetition” framework that recognizes two partners may effectively leverage an alliance for some product offerings or targeting some market segments while remaining fierce competitors in others.

Protect expertise and client information: Resources commonly shared during an alliance include human resources and customer data. As a result, there can be concerns that employees may work for the current or former alliance partner. To safeguard against this risk, include in an alliance agreement an employee non-solicitation clause where partners agree not to offer employment to the other partner’s employees during the term of the agreement or for a defined period after the conclusion of the alliance. A similar non-solicitation clause can be added so that partners cannot solicit each other’s clients.

Protect confidential information: To protect confidential information, you can limit its access to those who require it to carry out the obligations defined in the alliance agreement. Another safeguard is to agree upon and monitor specific standards for sharing, managing and guarding confidential information, especially during tax preparation in Encinitas.

Define post-alliance obligations: Whether an alliance is established for a specific, one- time event or it is intended to span several years, participants need to identify the conditions that would cause the partnership to end — either on friendly terms or not (e.g. because of non-performance). The more involved the alliance, the more important it is to consider post-alliance obligations to minimize any potential business disruption or damage to complex relationships (with customers, suppliers, manufacturers and/or distributors).


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What is premises liability?

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attorney rockville marylandAny person that suffers any injury in a home or business can be eligible to file a premises liability suit. According to premises liability lawyer rockville, these injuries are commonly referred to as “slip and fall” injuries and, while they may often be accidents, premise owners can still be liable for the conditions on their property that cause the accident.

In most cases, judges weigh whether the injury could have been prevented by the owner and they also take into the nature of the visitor into account. A person can file a premise liability claim if they are injured on property as a result of various conditions including: torn carpeting, slippery surfaces, falling ceilings, poor light, potholes, toxic fumes, overcrowding, unrestrained animals, swimming pools, broken guardrails, broken doors or windows and icy sidewalks.

Premises liability law also requires landowners to keep public sidewalks neat and tidy in addition to the inside of a home or business and all surrounding private properties.

In most cases, victims may be able to receive compensation for medical expenses, missed paychecks due to time off work, and pain and suffering caused by the accident. If the slip and fall accident led to a person’s death, surviving family members may receive compensation.

The liability burden is dependent upon what type of visitor is injured by the accident. Business owners are held to the strictest burden by premises liability law. They must provide a safe environment for their customers, and they are liable for injuries to visitors not only if they knew about the hazard that caused the injury and failed to notify the customer, but also if they should have known about the potential hazard.

Homeowners also must be vigilant to protect themselves from liability for accidents occurring on their property. If a visitor falls on a broken step, bad flooring, or an icy driveway, the homeowner would be liable if he or she knew about the problem, failed to rectify it, and failed to tell the visitor about the hazard. Trespassers have little chance for protection from premises liability law, unless they can prove that the home or business owner knew about their presence when the injury occurred.

Proving liability in the third situation can be tricky because of the words “should have known.” In these instances, the case is often decided by common sense. Judges and juries determine liability by deciding if the owner makes regular and thorough efforts to keep the property safe and clean. Having an experienced attorney Rockville Maryland on your side is a great advantage in cases where you need to prove that a property owner should have known about a dangerous condition.


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