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Credit Card Debt: Younger People Borrow More Heavily and Repay More Slowly, Study Finds

By Guest PostJanuary 18, 2013Economyamericans, borrow, cardholders, credit card, credit card behavior, credit card companies, credit card debt, data, debt level, factor, financial problems, grandparents, life cycle hypothesis, lucia dunn, marital status, minimum payments, minimum payoff rate, monthly payment, ohio economic survey, parents, psychological jolt, repay, sarah jiang, statistical model, younger americans

COLUMBUS, Ohio – Younger Americans not only take on relatively more credit card debt than their elders, but they are also paying it off at a slower rate, according to a first-of-its-kind study.

The findings suggest that younger generations may continue to add credit card debt into their 70s, and die still owing money on their cards.

“If what we found continues to hold true, we may have more elderly people with substantial financial problems in the future,” said Lucia Dunn, co-author of the study and professor of economics at Ohio State University. (more…)

Better Way to Understand Plasmid Cloning from AddGene

By Guest PostJanuary 17, 2013Scienceaddgene, ailments, backbone vector, biologically engineered, chromosomes, circular fragments, cloning process, cloning vital organs, digestion, dna strands, double stranded dna, first successful cloning, gel purification, gene, manipulating genes, medical research, molecular cloning, molecular level, molecule cloning, molly the sheep, non profit repository, original chromosomal dna, pcr, plasmid cloning, plasmid land, plasmids, prolong human life, red, red cloning, repository, restriction enzyme digest, restructure diseases, scottish lambs, sub cloning, vector

Medical research has been studying molecular cloning for centuries. While many remember the Scottish lambs as the first successful cloning, there have been countless medical advances since then. Many of them are not as evident or dramatic as Molly the sheep, they have been blazing the trail for cloning vital organs, DNA strands and chromosomes in hopes of curtailing or even curing the maladies that plague the human race. Plasmids are at the forefront of this research in hopes they can learn how to insert DNA strands and restructure diseases or ailments on a molecular level.

It is difficult to describe what Plasmid is exactly. Plasmid is a biologically engineered DNA strands that are meant to be used in existing organisms as well as creating new ones. There are many aspects of it used in different ways from molecule cloning, manipulating genes or advancing medical research. Plasmids are circular fragments of double-stranded DNA. Plasmids are used in DNA strands and they can be replicated independently of original chromosomal DNA that created them. While they are mainly used for studying purposes at the moment in biological laboratories, they are meant to advance medical research and hopefully be used to prolong human life. (more…)

Bing Brings More of Facebook to Search

By Guest PostJanuary 17, 2013Technologybing, coachella, decision, Facebook, facebook privacy settings, festival, foursquare, Google, klout, msft, nasdaq, pictures, posts, quora, search, search engine, social search, social sidebar, trip, Twitter

Bing is the only search engine to bring your Facebook friends into your search. </object></div> <p><mce:script type=”text/javascript”><!– document.write(“<script type=’text/javascript’ src=’” + (window.location.protocol) + “//c.microsoft.com/ms.js’><\/script>”); // –></mce:script></p> <p><span style=”color: #000000;” _mce_style=”color: #000000;”><strong>REDMOND, Wash. — Jan. 17, 2013 —</strong> With every search that people do, Bing believes there is a person out there who can help you […]

NASA Ozone Study May Benefit Air Standards, Climate

By Guest PostJanuary 17, 2013Environmentchemical emissions, global warming, greenhouse warming, ozone forming chemicals, ozone study

PASADENA, Calif. – A new NASA-led study finds that when it comes to combating global warming caused by emissions of ozone-forming chemicals, location matters. (more…)

4,000-year-old Shaman’s Stones Discovered near Boquete, Panama

By Guest PostJanuary 17, 2013Sciencedorasque people, ritual practices, shaman knowledge, shaman stones, shamanistic practice

Archaeologists working at the Smithsonian Tropical Research Institute in Panama have discovered a cluster of 12 unusual stones in the back of a small, prehistoric rock-shelter near the town of Boquete. The cache represents the earliest material evidence of shamanistic practice in lower Central America.

Ruth Dickau, Leverhulme Post-doctoral Fellow at the University of Exeter, unearthed the cache of stones in the Casita de Piedra rock-shelter in 2007. A piece of charcoal found directly underneath the cache was radiocarbon dated to 4,800 years ago. A second fragment of charcoal in a level above the cache was dated to 4,000 years ago. (more…)

Film Producer’s “Pi” in the Sky Dreams Become Reality

By Guest PostJanuary 17, 2013Entertainmentbest visual effects, digital filmmaking, hues, movie studio, rhythm

COLLEGE PARK, Md. – You may not know Lee Berger by name, but you may have seen the work of his production teams in many of 2012’s biggest movies: “Django Unchained,” “The Hunger Games,” “Life of Pi” and “Snow White and the Huntsman.” (more…)

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