Saturday, November 13, 2010

Long-Term Care: Ignore Planning at Your Peril

Tags: Long-Term Care Premiums Expected to Mushroom Soon, Costs Too High for Most Families, Options

Long-Term Care: Ignore Planning at Your Peril, Ron Lieber, NY Times, Nov 4, 2010,

… This year, big players in the industry like John Hancock and MetLife have announced their intent to raise annual premiums by up to a jaw-dropping 40 percent if state regulators let them. …

For people age 65 and older who have long-term care insurance, there is a 45 percent chance of making a claim, though it ranges from 30 to 56 percent depending on gender and marital status. …

the average rate for a private room in a nursing home was now $229 a night, or $83,585 a year, on average, though it can range widely by geography. Average costs for home health aides are $21 an hour. …

THE GOVERNMENT’S PLAN One part of the landmark health care bill earlier this year is something called the Class Act. In effect, it sets the government up in the long-term care insurance business.

No one will be able to enroll until 2012 at the earliest, and the plan may not pay much more than $75 or $100 a day for claims (and only after a five-year period of paying premiums first), though that will be indexed for inflation. Still, since it will be easier to qualify for this coverage than for private insurance, where a medical exam is often necessary, it may be tempting for people to wait and enroll in a couple of years. (Which may turn out fine as long as the program doesn’t get delayed until 2016 and you don’t need care before then.) … http://www.nytimes.com/2010/11/05/business/businessspecial5/05CARE.html?ref=business&src=me&pagewanted=all

Bonds Muni Selling a Trend States Cities Manage or Not Debts Pensions Budgets

Tags: Municipal Bonds Shutters, Investors Temperament, Emotions without Knowledge Deadly, Markets

Tax exempt munis have been very popular because of a federal subsidy which will be reduced. Increased computerization of our markets with similar algorithms cause markets to go up or down more sharply than in the past and more subject to manipulation with high speed computer trading.

Many average investors have been scared out of the stock market with selling even occurring when the market was going up. Financial news has always been confusing to the average investor because experts on both sides of a question are interviewed with sound bites so we really don't know who to believe. Unfortunately for most investors, they do not have the time to really read and understand financial markets and tie in their investment choices to what is popular now, and not for long-term goals, but react with emotions not supported by knowledge.

Yes, information has to be stored in our brains and not on google for us to make sound decisions based our natural aggressiveness or conservatism. Both can do well enough if they stick to their approach and learn enough to use good judgement or buy mutual funds and let the professionals do what they do.

Excess short term costly trading by mutual funds lowers your profits so normally it is better to find a mutual fund which has a strategy you agree with and sticks to it for the long term. If you pay attention, you will know that all the experts cannot predict the future consistently. Diversify, diversify, and diversify worldwide. The market is lot like poker, it is based on luck, sound knowledge of people, and knowing the odds of winning or losing. Not so easy.

Think of stocks or bonds as a vehicle not to make a fortune, but to at least keep up with inflation better than a bank account. Know thyself.

Jim Kawakami, Nov 13, 2010, http://jimboguy.blogspot.com

Municipal Bond Market Shudders, Mary Williams Walsh, Nov 12, 2010, That is the question investors are asking after munis — those old faithfuls of investing — took their biggest hit since the financial collapse of 2008.

Concern over the increasingly strained finances of states and cities and a growing backlog of new bonds for sale overwhelmed the market last week. After performing so well for so long, munis and funds that invest in them fell hard. One big muni fund, the Pimco Municipal Income Fund II, for instance, lost 7.5 percent. The fund is still up 6.75 percent so far this year.

While the declines were relatively small given the remarkable gains in these bonds over the last two years, the slump was swift enough to leave investors wondering if this was a brief setback or the start of something worse. For months, some on Wall Street have warned that indebted states and cities might face a crisis akin to the one that brought Greece to its knees.

“I think it’s too early to say that it’s more than a correction,” said Richard A. Ciccarone, the chief research officer of McDonnell Investment Management.

“The facts just don’t support a serious conclusion that the whole market’s going downhill,” he said. “They could. We’ve got some serious liabilities out there.”

The causes of the week’s big decline are clouded by unusual factors like the looming end of the Build America Bonds program, which has prompted local governments to race new bonds to market before an attractive federal subsidy is reduced.

But the big question confronting this market is how state and local governments will manage their debts. Many are staggering under huge pension and health care obligations that seem unsustainable.

Certainties are impossible because governments do not have to disclose the pension payouts they will have to make in the coming years, as they do for bond payouts.

California, for example, will have to sell nearly $14 billion of debt into the falling market this month, because of its record delay in getting a budget signed this year. The warnings keep coming. On Friday, Fitch, the credit ratings agency, issued a report saying that ratings downgrades for municipal bonds outnumbered upgrades for the seventh consecutive quarter. ... http://www.nytimes.com/2010/11/13/business/economy/13bond.html?src=me&ref=general


Friday, November 12, 2010

Getting Over the Code Delusion: Epigenetics Review, The New Atlantis

Tags: Epigenetics Review Genomics Behavior Health Vitamin D Nobel Prize Reagan Corporate Revolution

A great scramble to profit scientifically and commercially after the human genome projects succeeded came and went. They could have anticipated this by earlier reports that the human genome has not changed that much since the migration of our human ancestors out of Africa. Since the number of humans leaving Africa was quite small and estimated in the thousands, any gene that insured survival survived that those without it did not survive. The mutation for White skin allowed us to have modern Europeans because vitamin D produced in our skin and needed for every cell in our body was produced from the sunlight UVB, the Burning Rays.

Since the profit for corporations only mentality accelerated during the Reagan Revolution, important regulations regarding the health of the general public went out the window. Without going into detail some of these were the introduction of very cheap High Fructose Corn Sugar without testing for safety on animals or humans, accelerating the approval of drugs with inadequate test with Big Pharma influencing the FDA by funding it with funds needed to show that new drugs are safe, introducing sunscreens without adequate testing for safety and disregarding known health safety problems by excluding UVB from producing vitamin D for our body. A Nobel Prize in medicine was awarded in about 1902 to the person showing that UVB from the sun makes us healthier.

They also reduced funding for government research funds provided for research so Academics had to get more funding from self-interest parties like Big Pharma who had less interest in fundamental studies to understand cancer, for example, which may have helped scientists to start more widely publish their previous vitamin D studies indicated how important it was for our health and survival.

For example, the doubling of Autism among affluent families who are more likely to follow "experts" advice about health started using sunscreens earlier and probably contributed to lots of neurological diseases to mushroom. Melanoma also mushroomed. Only after the introduction of the more expensive UVA and UVB sunscreens did melanoma increase each year stop. Of course when 75% of Americans are deficient in vitamin D which prevents cancers, prevents osteoporosis, prevents flu, colds, allergies, and autoimmune diseases.

I tried to get my friends and acquaintances to start taking thousands IU of vitamin D largely ignored my advice. Those who did had frequent colds and allergies and to their surprise, they stopped having colds and allergies.

Now the scientists are trying to turn genes on or off to prevent diseases. But they forget the very cheap vitamin D does this function every day to make us healthier. Turning the wrong gene off or on can lead to tragedy. Only a small amount of activated vitamin D can be tolerated in our blood stream so each cell activates what it needs and destroys any excess so it does not get into our bloodstream. Our kidneys make enough of the activated vitamin D to allow it to help drive calcium into our bones because bone loses calcium on a continuous basis normally.

The infancy of the research in the new area of Epigenetics on how our environment influences how we behave, learn, how much we weigh, our health, and even how we think. Some of you might have been offended at my theory that Republicans who are largely of the ethnic Scot-Irish group are that way from a long history of conflict and survival. The activated paranoid genes that insure survival are still activated after more than a thousand years because they tend to live in rural or uniform communities to reinforce their way of thinking. Oregon Democrats live in cities or adjacent suburbs. Republicans largely tend to live in more rural communities. This is true for most of the United States. Its not race, it an ethnic phenomena. The same is true in the city ghettos where even fewer escape due to Republican like policies. Put them in jail forever or kill them whether guilty or not.

Jim Kawakami, Nov 12, 2010, http://jimboguy.blogspot.com

Getting Over the Code Delusion: Epigenetics Review, The New Atlantis, Steve Talbot, Number 28, Summer 2010, pp. 3-27.

... Certainly the idea of a master program seemed powerful to those who were enamored of it. In their enthusiasm they heralded one revolutionary gene discovery after another — a gene for cystic fibrosis (from which the string of letters above is excerpted), a gene for cancer, a gene for obesity, a gene for depression, a gene for alcoholism, a gene for sexual preference. Building block by building block, genetics was going to show how a living organism could be constructed from mindless, indifferent matter.

And yet the most striking thing about the genomic revolution is that the revolution never happened. Yes, it’s been an era of the most amazing technical achievement, marked by an overwhelming flood of new data. It’s true that we are gaining, even if largely by trial and error, certain manipulative powers. But our understanding of the integrity and unified functioning of the living cell has, if anything, been more obscured than illumined by the torrent of data. “Many of us in the genetics community,” write Linda and Edward McCabe in DNA: Promise and Peril (2008), “sincerely believed that DNA analysis would provide us with a molecular crystal ball that would allow us to know quite accurately the clinical futures of our individual patients.” Unfortunately, as they and many others now acknowledge, the reality did not prove so straightforward.

As minor tokens of the changing consciousness among biologists, one could cite recent articles in the world’s two premier scientific journals, each reflecting upon the 1989 discovery of the “gene for cystic fibrosis.” “The Promise of a Cure: 20 Years and Counting” — so ran the headline in Science, followed by this slightly sarcastic gloss: “The discovery of the cystic fibrosis gene brought big hopes for gene-based medicine; although a lot has been achieved over two decades, the payoff remains just around the corner.” An echo quickly came from Nature, without the sarcasm: “One Gene, Twenty Years: When the cystic fibrosis gene was found in 1989, therapy seemed around the corner. Two decades on, biologists still have a long way to go.”

The story has been repeated for one gene after another, which may be why molecular biologist Tom Misteli offered such a startling postscript to the unbounded optimism of the Human Genome Project. “Comparative genome analysis and large-scale mapping of genome features,” he wrote in the journal Cell, “shed little light onto the Holy Grail of genome bio­logy, namely the question of how genomes actually work in vivo” (that is, in living organisms).

But is this surprising? The human body is not a mere implication of clean logical code in abstract conceptual space, but rather a play of complexly shaped and intricately interacting physical substances and forces. Yet the four genetic letters, in the researcher’s mind, became curiously detached from their material matrix. In many scientific discussions it hardly would have mattered whether the letters of the “Book of Life” represented nucleotide bases or completely different molecular combinations. All that counted were certain logical correspondences between code and protein together with a few bits of regulatory logic, all buttressed by the massive weight of an unsupported assumption: somehow, by neatly executing an immaculate, computer-like DNA logic, the organism would fulfill its destiny as a living creature. The details could be worked out later.

The misdirection in all this badly needs elaborating — a task I hope to advance here. As for the differences between humans and chimpanzees, the only wonder is that so many were so exercised by it. If we had wanted to compare ourselves to chimps, we could have done the obvious and direct and scientifically respectable thing: we could have observed ourselves and chimps, noting the similarities and differences. Not such a strange notion, really — unless one is so transfixed by a code abstracted from human and chimp that one comes to prefer it to the organisms themselves.

I’m not aware of any pundit who, brought back to reality from the realm of code-fixated cerebration, would have been so confused about the genetic comparison as to invite a chimp home for dinner to discuss world politics. If we had been looking to ground our levitated theory in scientific observation, we would have known that the proper response to the code similarity in humans and chimps was: “Well, so much for the central, determining role we’ve been assigning to our genes.”

The central truth arising from genetic research today is that the hope of finding an adequate explanation of life in terms of inanimate, ­molecular-level machinery was misconceived. Just as we witness the distinctive character of life when we observe the organism as a whole, so, too, we encounter that same living character when we analyze the organism down to the level of molecules and genes. One by one every seemingly reliable and predictable “molecular mechanism” has been caught deviating from its “program” and submitting instead to the fluid life of its larger context. And chief among the deviants is that supposed First Cause, the gene itself. We are progressing into a post-genomic era — the new era of epigenetics.

Genomic Perplexities

The term “epigenetics” most commonly refers to heritable changes in gene activity not accounted for by alterations or mutations in the DNA sequence. But in order to understand the important developments now underway in biology, it’s more useful to take “epigenetics” in its broadest sense as “putting the gene in its living context.”

The genetic code was supposed to reassure us that something like a computational machine lay beneath the life of the organism. The fixity, precision, and unambiguous logical relations of the code seemed to guarantee its strictly mechanistic performance in the cell. Yet it is this fixity, this notion of a precisely characterizable march from cause to effect — and, more broadly, from gene to trait — that has lately been dissolving more and more into the fluid, dynamic exchange of living processes. Organisms, it appears, must be understood and explained at least in part from above downward, from context to subcontext, from the general laws or character of their being to the never-fully-independent details. To realize the full significance of the truth so often remarked in the technical literature today — namely, that context matters — is indeed to embark upon a revolutionary adventure. It means reversing one of the most deeply engrained habits within science — the habit of explaining the whole as the result of its parts. If an organic context really does rule its parts in the way molecular biologists are beginning to recognize, then we have to learn to speak about that peculiar form of governance, turning our usual causal explanations upside down.

A number of conundrums have helped to nudge molecular biology toward a more contextualized understanding of the gene. To begin with, the Human Genome Project revised the human gene count downward from 100,000 to 20,000–25,000. What made the figure startling was the fact that much simpler creatures — for example, a tiny, transparent ­roundworm — were found to have roughly the same number of genes. More recently, researchers have turned up a pea aphid with 34,600 genes and a water flea with 39,000 genes. Not even the “chimps are human” boosters were ready to set themselves on the same scale with a water flea. The difference in gene counts required some sort of shift in ­understanding.

A second oddity centered on the fact that, upon “deciphering” the genetic Book of Life, we found that our coding scheme made the vast bulk of it read like nonsense. That is, some 95 or 98 percent of human DNA was useless for making proteins. Most of this “noncoding DNA” was at first dismissed as “junk” — meaningless evolutionary detritus accumulated over the ages. At best, it was viewed as a kind of bag of spare parts, borne by cells from one generation to another for possible employment in future genomic innovations. But that’s an awful lot of junk for a cell to have to lug around, duplicate at every cell division, and otherwise manage on a continuing basis.

Another conundrum — perhaps the most decisive one — has been recognized and wrestled with (or more often just ignored) since the early twentieth century. With few exceptions, every different type of cell in the human body contains the same chromosomes and the same DNA sequence as the original, single-celled zygote. Yet somehow this zygote manages to differentiate into every manner of tissue — liver, skin, muscle, brain, blood, bone, retina, and so on. If genes determine the form and substance of the organism, how is it that such radically different cellular architectures result from the same genes? What directs genes to produce the intricately sculpted and differentiated form of a complex organism, and how can this directing agency be governed by the very genes that it directs?

The developmental biologist F.R. Lillie, remarking in 1927 on the contrast between “genes which remain the same throughout the life history” and a developmental process that “never stands still from germ to old age,” asserted that “Those who desire to make genetics the basis of physiology of development will have to explain how an unchanging complex can direct the course of an ordered developmental stream.”

Think for a moment about this ordered developmental stream. When a cell of the body divides, the daughter cells can be thought of as ­“inheriting” traits from the parent cell. The puzzle about this cellular-level inheritance is that, especially during the main period of an organism’s development, it leads to a dramatic, highly directed differentiation of tissues. For example, embryonic cells on a path leading to heart muscle tissue become progressively more specialized. The changes each step of the way are “remembered” (that is, inherited) — but what is remembered is caught up within a process of continuous change. During development you cannot say that every cell reproduces “after its own likeness.”

Over successive generations, cells destined to become a particular type lose their ability to be transformed into any other tissue type. And so the path of differentiation leads from totipotency (the single-celled zygote is capable of developing into every cell of the body), to pluripotency (embryonic stem cells can transform themselves into many, but not all, tissue types during fetal development), to multipotency (blood stem cells can yield red cells, white cells, and platelets), to the final, fully differentiated cell of a particular tissue. In tissues where cell division continues further, the inheritance thereafter may take on a much greater constancy, with like giving rise (at least approximately) to like.

Cells of the mature heart and brain, then, have inherited entirely different destinies, but the difference in those destinies was not written in their DNA sequences, which remain identical in both organs. If we were stuck in the “chimp equals human” mindset, we would have to say that the brain is the same as the heart.

From Junk to Living Organism

So what’s going on? These puzzles turn out to be intimately related. As organisms rise on the evolutionary scale, they tend to have more “junk DNA.” Noncoding DNA accounts for some 10 percent of the genome in many one-celled organisms, 75 percent in roundworms, and 98 percent in humans. The ironic suspicion became too obvious to ignore: maybe it’s precisely our “junk” that differentiates us from water fleas. Maybe what counts most is not so much the genes themselves as the way they are regulated and expressed. Noncoding DNA could provide the complex regulatory functions that direct genes toward service of the organism’s needs, including its developmental needs.

That suspicion has now become standard doctrine — though a still much-too-simplistic doctrine if one stops there. For noncoding as well as coding DNA sequences continue unchanged throughout the organism’s entire trajectory of differentiation, from single cell to maturity. Lillie’s point therefore remains: it is hardly possible for an unchanging complex to explain an ordered developmental stream. Constant things cannot by themselves explain dynamic processes.

We need a more living understanding. It is not only that noncoding DNA is by itself inadequate to regulate genes. What we are finding is that at the molecular level the organism is so dynamic, so densely woven and multidirectional in its causes and effects, that it cannot be explicated as living process through strictly local investigations. When it begins to appear that, as one European research team puts it, “everything does everything to everything,”[1] the search for “regulatory control” necessarily leads to the unified and irreducible functioning of the cell and organism as a whole — a living, metamorphosing form within which each more or less distinct partial activity finds its proper place. http://www.thenewatlantis.com/publications/article_detail.asp?id=570&css=print

Financial Markets: Should we be concerned with world drop in stock market?

Tags: Stock Market Bernanke $600 Billion Purchase of Long Term Bonds Prevent Deflation Inflation OK

First, financial markets are very difficult to understand day to day ups and downs of the market.

Most of the concern seems to be what Bernanke did recently of buying $600 billion worth of long term bonds. Most reports call it inflationary. Hey, we are in a people recession. More clear thinking people call it a way to lower interest rates of long term bonds from ten years on.

I am sure most of you have seen that Mortgage rates have dropped sharply which is a good thing. If you are in the market to buy a home or condo, consider looking now. Be careful and hire a professional to bargain for you and also check out liens on the home and make sure the home is in very good shape. Take three things you want that are critical such as safety, neighbors, schools, distance to work, and why you want to buy a home to live in.

Jim Kawakami, Nov 12, 2010, http://jimboguy.blogspot.com

Thursday, November 11, 2010

Deficit Commission Betting on Wealth and Power to Keep Them Rich Hitting Middleclass Hard

Tags: Billionaire Peterson Continues Propaganda Campaign to Gain Soc Sec Trillions Deficits Came from Shipping Jobs to China Waste Foreign Oil Wars Tax Cuts Rich

Propaganda in the corporate press and media is flying hot and heavy. www.prwatch.org is one good place to understand what the Media, New York Times, Washington Post, and Wall Street Journal and their confederates are doing now to shape the mind of the elites and other Americans. They do it by leaving out context to help us decide whether their conclusions are honest and true. As FOX News manager said, if we don’t report it, it never happened.

Don’t watch the news passively. It is better not to watch at all. I am spending more time reading the sports pages of the New York Times than ever. I stopped watching many of the news programs on MSNBC except for Olbermann and Maddow. O’Donnell showed his true conservatism when I left the TV on after Maddow while deciding what to do next. I turned the TV off and read.

The ten year 4 Trillion savings by the Commission co-chairmen is the amount of the tax cut that Republicans want to be permanent for the rich. In ten years it would cost us more than $4 Trillion because their income has gone up sharply while the bottom 90 percent wages stagnated or went down. The loss of revenues will be too much to make up so we will fall deeper into deficits where we will be using up half or more of the tax revenues to pay off loans to the rich here and all over the world.

The Wealth Class is now going into Hedge Funds again en masse. The top ONE PERCENT made more money than the bottom 50% of working American Families may with two jobs or more.

With the possibility of Republican control of both congress and the White House in 2012, we cannot continue the Bush tax cuts. Let them lapse now. At least the Republicans fight for what they want. Democrats just compromise!

Bush shipped 5 million jobs overseas, closed 50,000 manufacturing plants, doubled the increase in carbon dioxide, conducted two wars without paying for them which Nobel laureate Joseph Stieglitz calculated a total of 3 Trillion dollars or more when all costs are paid out, high subsidies to Big Pharma without paying for Medicare Part D, hired so many very highly paid contractors without any controls which increased the Pentagon budget at least 40 percent, corruption galore cost us unaccounted for billions of dollars, and I can guess, many things we still do not know about.

Peter Peterson, a Hedge Fund Billionaire has spent at least a decade trying to grab the riches of the Social Security Fund. The column below tells us exactly how they are trying to screw 95% of Americans who need fair Social Security and Medicare to survive.

Wall Street’s Money Trees are the American Working Class. Yes, all of us!

The news emphasized by the corporate press and media, even MSNBC, is “fairly” discussing the need for these cuts because Social Security will go under. Now Social Security is taking in more money than it can take out. Just a small adjusted just as making everyone pay rather than the poor middleclass for Social Security will fix it. They want to exclude a inflation factor. Just wages which will keep going down as we ship jobs overseas.

Medicare can make the simple adjustment of measuring the quality of the outcome of treatments rather than just paying for work done. We need to ration out the procedures of make money operations and treatments as delineated in Shannon Brownlee’s book Overtreatment of Medicare patients and decide what gets treated after age 75 which accounts for two-thirds of the cost of Medicare. Why do so many families who believe they will go to heaven not allow a comatose relative to die? Strange! I have talked to many nurses with my long live-saving stays in the hospital and they and I agree that we need to decide what and when treatment is futile.

Jim Kawakami, Nov 11, 2010, http://jimboguy.blogspot.com

Published on Wednesday, November 10, 2010 by TalkingPointsMemo

The Wall Street TARP Gang Wants to Take Away Your Social Security

by Dean Baker

Just over two years ago, the Wall Streeters were running around Congress and the media saying that if they don't immediately get $700 billion the world will end. Since they own large chunks of both, they quickly got their money.

Even more important than the hundreds of billions of loans issued through the TARP was the trillions of dollars of loans and guarantees from the Fed and the FDIC. This money came with virtually no strings attached. It kept Goldman Sachs, Citigroup, Morgan Stanley, and Bank of America and many others from collapsing.

As a result, folks like Goldman CEO Lloyd Blankfein are again pocketing tens of millions a year in wages and bonuses, instead of walking the unemployment lines. Instead, 15 million ordinary workers are being told to just get used to being unemployed; it's the "new normal."

But wait, it gets worse. The thing about Wall Streeters is that no matter how much money you give them, they always want more. Now they are using their political power and control over the media to attack Social Security.

This effort is being led by billionaire investment banker Peter Peterson. Mr. Peterson has personally profited to the tune of tens of millions of dollars from the "fund managers' tax subsidy," an obscure provision of the tax code that allows billionaires to pay a lower tax rate than schoolteachers and firefighters. However, Peterson believes in giving back. He has committed $1 billion to an effort that is intended to take away the Social Security benefits that people have worked and paid for.

As part of this effort, Peterson set up a whole new foundation, the Peter G. Peterson Foundation. He and/or his foundation created a "news service," the Fiscal Times, which is intended to promote the view that we have no choice but to cut Social Security. The Fiscal Times has entered into agreements with the Washington Post and other credible newspapers to provide material.

Peterson is also funding the creation of a high school curriculum which is intended to tell our children that the in the future the country will be too poor to finance Social Security. He funded a silly exercise called "America Speaks," which was supposed to convince an assembly of selected participants that we must cut Social Security after a daylong immersion in Peterson-style propaganda. (The people didn't buy it.) And now his crew is spending $20 million on an ad campaign to convince people the world will end if we don't cut Social Security. ... http://www.commondreams.org/view/2010/11/10-2


Wednesday, November 10, 2010

Commodities Prices Soar Demand and Speculation of Future Prices Corn Up 39%

Tags: Commodities Soar Scarce Future for Oil, Water, Famines Climate Change Food, Rare Base Metals, Oil Corps Profits Sky High Lower Demand, Uncertainty and Fear

Everyone should have a small amount of commodities in their portfolio. I suspect now is not the time to chase prices. Oil, water, food due to Climate Change, and rare base metals are expected to be increasingly scarce over time. Markets go up and markets go down. When anything is too popular, it is normally better not to become a lemming.

I cannot predict the future and I suspect no one else can. The long term future is getting more predictable and it looks bleak now. Participants in the business of Greed and Financial Assets accumulation ignore the future and counter plans to save the planet. Unless we change, our Democracy will vanish we will go back to 14th Century Europe with billionaires and the Church controlling all our lives in poverty.

Jim Kawakami, Nov 10, 2010, http://jimboguy.blogspot.com

Posted Nov 10th 2010 12:40PM by Connie MadonpastedGraphic.pdf
Filed under: Major Movement, International Markets, Economic Data, Commodities, Oil, Agriculture, Federal Reserve, ETFhttp://www.bloggingstocks.com/2010/11/10/commodity-prices-soar/

There are two primary forces at work in world economies. At this time they are driving commodities prices higher. One is the continuing need and demand by emerging nations for raw materials, a trend that is not about to subside. The second is the extra pile of money that the US Federal Reserve is printing that is finding its way into the commodity markets, a driving force for higher prices.

Let's take oil as an example. The International Energy Agency said that that China's needs could drive oil to $110 per barrel by 2015, a 27% premium to the current price, as reported in the Wall Street Journal. On Tuesday, the US Department of Agriculture (USDA) cut harvest estimates for soybeans and corn.


In the metals markets, copper climbed 2.2% Tuesday, just pennies away from an all time high. Gold settled at $1,409.80, a new record. Cotton is at a 140 year high. Corn has risen 22% in six weeks.


Now to the $600 billion of extra dollars sloshing around the world. This money is not going to create more jobs. Instead, banks and investors are chasing higher returns in the commodity markets. Year to date prices are:

  1. Cotton is up 100%
  2. Gold has risen 29%
  3. Soybeans are 27% higher
  4. Corn is 39% higher
  5. Copper is up 21%
  6. Crude oil rose 9%

Aside from the big producers, investors are buying commodities through exchange traded funds, (ETFs.) According to Barlcays Capital (BCS.) investors have $320 billion parked in commodities.


These are powerful forces that will dominate worldwide investing. Developing countries like China, India, and Africa have huge populations, each with at least 1 billion. Their need for raw materials is insatiable. Investors looking for opportunities should look to commodity ETFs and companies engaged in raw material production and distribution.

Tuesday, November 9, 2010

Vitamin D Cures MRSA Infection Not Stopped with Vancomycin and Ceftazidime

Tags: MRSA Resistance Vancomycin Vitamin D How Cancers, Osteoporosis, Autoimmune Diseases Caused by Its Lack

About 14 years ago I got an infection during my daily peritoneal dialysis. My doctor refused to Vancomycin which I knew would work. I kept getting recurring infections. Now the resistance to Vancomycin is common enough and almost the last resort drug so it is very important to avoid getting this infection because it is on the surfaces of almost everything we touch in and out of the hospital. Some patients bring it in on their skin because they use antibacterial soaps which kills the good bacteria and not the bad ones. Bacteria feed on dead skin which we all have.

What I do to prevent infection. I use regular Ivory soap and keep the soap clean by washing off grime before is apply the soap. I rub between my fingers, on my nails, and scrub every part of my hand, fingers, and wrist. A doctor checked my skin and found no MRSA on it.

Probably the best thing you can do is fix your immune system by exposing yourself in the sun for 10 minutes between 10 AM to 3 PM 3 times a week or more during the spring, summer, and early fall depending your the latitude of your home.

You also need to take vitamin D which is a hormone needed in every cell in our body and every animal with a spine needs a lot. The lack of enough lowers your ability to fight all infections, both virus and bacterial, cancers at an early stage, autoimmune disease, diabetes, fibromyalgia, autism, depression, insomnia, arthritis, heart disease, and, of course, Osteoporosis.

From The Vitamin D Solution by Michael F. Holick, Ph.D., M.D., 2010, with a Foreword by Andrew Weil, M.D. Research supported by peer reviewed medical journals.

Osteoporosis: Not enough if you use sunscreens enough don’t deliberately expose ourselves to sun during the hottest time of the day. Since our all our cells needs vitamin D, unless we have enough, the bones are depleted of calcium without replacement.

Cancers: Vitamin D works very well to keep cell growth normal and can even slow down the formation of blood vessels required for tumor growth. However, once the cancer grows too far due to a lack of enough vitamin D, the cancer cells develop resistance to vitamin D hormone. For example, it is known that advanced Ovarian Cancer destroys vitamin D so it can survive.

Autoimmune Diseases: Autism doubled in the 1990s in California, large among affluent families who followed the advice of Big Pharma and Dermatologists who encouraged increasing higher SPF sunscreens to increase profits. Because mothers used sunscreens all the time, the fetus and baby was highly deficient in vitamin D needed for brain development. The risk of MS is almost 100 percent in high deficient fetus and babies. The synapses and neurons growth a lot during the first few years. Dr. Holick blames Dementia, Schizophrenia, and Alzheimer’s disease on vitamin D deficiency based on research studies.

The rise in Depression and ADHD may also be due to a lack of enough vitamin D hormone.

I became a very good scientist not because I was unusually brilliant, but I am good at questioning whether theories even by famous scientists could be wrong and able to process the overwhelming information available in my brain without having to think logically about it. It just comes together. Our brain is a marvelous tool for innovation if we only let it.

Immediately after I found out that only ten minutes in the sun for light skin humans is needed to produce 22,000 IU of vitamin D, I immediately came to the conclusion that our body must need much more than our doctors and scientists are telling us. I also concluded that all of our cells must need vitamin D. It came to me immediately why osteoporosis is such as problem. All the vitamin D needed for bone building with Calcium goes to the cells instead.

I searched the internet in vein to support my conclusions. I found nothing but I kept looking and finally found it. I suspected that vitamin D papers were not a high priority since sunscreens and Fosamax makes Big Bucks for Big Pharma. Yes, they hire the best scientists as consultants so they may be less likely to double-cross their source of income.

Autoimmune Diseases: In 1903, photobiologist Dr. Niels Ryberg Finsen won the Nobel Prize for medicine after successfully demonstrating that exposure to sunlight cured many disease, including lupus vulgaris, or tuberculosis of the skin.

Jim Kawakami, Nov 9, 2010, http://jimboguy.blogspot.com

MRSA Infection Not Stopped with Vancomycin and Ceftazidime

http://www.medscape.com/viewarticle/731329?src=mp&spon=44&uac=26057PR

The patient is a 48-year-old man with methicillin-resistant Staphylococcus aureus (MRSA) bacteremia. He was on dialysis and had rigors, fever, and hypotension.

Blood cultures were obtained and he was admitted to the hospital after a dose of vancomycin and ceftazidime. Within 18 hours his blood cultures were positive for what would be identified as MRSA.

History and Physical Examination

History. The patient has had insulin-dependent diabetes since he was a teenager, and currently his A1c is approximately 10 mmol/mol. He has neuropathy, retinopathy, and nephropathy. He has a dilated cardiomyopathy after myocardial infarctions and an ejection fraction of 22%.

Physical examination. On physical examination, the following were noted:

  • The patient was febrile and tachycardic
  • HEENT: no emboli; he is legally blind
  • Heart: 3/6 systolic murmur
  • Lungs: basilar crackles
  • Abdomen: nontender
  • Extremities: 2+ edema, no emboli

Labs and imaging. As expected, the patient's lab studies indicated that he was diabetic, had an infection, and was in renal failure.

Hospital course. The patient's fever gradually resolved over 7 days. His blood cultures were positive on day 3 (but not day 5) for MRSA with a minimum inhibitory concentration (MIC) to vancomycin of 1.0 µg/mL. The organism was resistant to all other antibiotics except linezolid and daptomycin. The dialysis catheter was removed, and a tip culture was negative. A transthoracic echocardiogram showed vegetation on the mitral valve. He was sent home on a 6-week course of vancomycin and he completed the course, the vancomycin trough levels never falling below 18 µg/mL.

One week after completion of antibiotics, the patient was again febrile and hypotensive on dialysis and his blood cultures grew the same MRSA, with a MIC of 1.0 µg/mL to vancomycin. His evaluation in the hospital was identical to that of his last admission.

Neither the thoracic surgeon nor the patient wished to proceed with valve replacement, the former because of worries about infecting the prosthetic valve, and the latter simply not wanting the intervention.

What treatment option would you choose for relapsed endocarditis? (There is no "correct" answer.)

Another 6-week course of vancomycin

A 6-week course of linezolid

A 6-week course of daptomycin

A 6-week course of linezolid and meropenem

Strongly encourage the patient and surgeon to proceed with replacing the mitral valve


References