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Rhinoceros Undergoes Assisted Reproduction to Rescue Species from Extinction

News | Evolution

Conservationists are taking heroic measures to restore fertility to a three-footed Sumatran rhino, but it's unclear if this is a prudent undertaking

By Henry Nicholls and Nature magazine ?| May 30, 2012?|

Image: M. SIMONS/GETTY

Why do testicles hang the way they do? Is there an adaptive function to the female orgasm? What does it feel like to want to kill yourself? Does ?free will?...

Read More??

From Nature magazine

First, the vet inserts his arm in a shoulder-length plastic glove. Next, he grips an ultrasound probe and slides both arm and probe deep into the rectum of a 500-kilogram rhinoceros. All eyes of those present, including his, are on the ultrasound image on the laptop monitor nearby. As the vet moves the probe over the animal's intestinal wall, her uterus comes into view on the screen. Even to the untrained eye, it is clear that there is something seriously wrong: marble-sized cysts fill the space where there should be a smooth uterine lining. As if in acknowledgement of the fact, the rhino lets out a doleful moan.

This is Puntung, a Sumatran rhinoceros that is missing a foot as well as a working uterus. Yet the future of this species in Malaysian Borneo may rest on the hairy shoulders of this singular beast. If she is ever to reproduce, she will need Thomas Hildebrandt and his veterinary team from the Leibniz Institute for Zoo and Wildlife Research (IZW) in Berlin to rescue her womb ? and then push the boundaries of rhino assisted-reproduction to new extremes.

According to the latest best guess, only 200?300 Sumatran rhinos (Dicerorhinus sumatrensis) may be left in the wild, split between three territories in southeast Asia: the Indonesian island of Sumatra, Peninsular Malaysia and the state of Sabah in Malaysian Borneo (see 'The remaining rhinos'). This perilous situation is a result of a devastating combination of habitat loss (mainly to create lucrative oil-palm plantations) and poaching (to feed the black market for rhino horn). Conservationists say that the species' small, fragmented population is now the biggest threat to its survival, with animals so sparsely distributed that they are simply unable to meet each other to mate. Because females that haven't mated when they are in oestrus can develop problems with their uterus, the rare encounters that do take place often come to naught. At best, rhino mothers take several years between pregnancies ? meaning that the birth rate in the wild is unlikely to keep up with poaching and natural deaths.

Drastic measures
This desperate situation has led conservationists in Sabah to a desperate conclusion: that the only way to maintain the rhino population here is to capture as many as possible of the remaining animals ? which may number as few as 30 ? and subject them to assisted reproductive technology. That includes scrubbing out the uterus of Puntung, and possibly techniques such as in vitro fertilization (IVF) and cloning, the likes of which have rarely been wielded in the name of conservation. ?Either we give up or we try to make every fertile rhino contribute to the future of this species,? says John Payne, executive director of the Borneo Rhino Alliance (BORA) in Kota Kinabalu, Sabah. ?The best way to do that is to bring them into fenced, managed facilities.?

Such a drastic attempt to rescue a highly endangered species has precedents. Conservationists have, through heroic efforts, wrestled species such as the Arabian oryx (Oryx leucoryx), the black-footed ferret (Mustela nigripes) and the California condor (Gymnogyps californianus) back from the brink of extinction by bringing all the remaining animals together, using artificial insemination to spread sperm and maximize genetic diversity, and keeping offspring alive through round-the-clock husbandry.

In the case of the Sumatran rhino, however, some conservationists worry that without a long-term strategy for reversing the environmental pressures that are killing them off, captive breeding alone can never restore the wild population. ?It's not a plan unless you've mitigated the threats that wiped them out in the first place,? says Alan Rabinowitz, chief executive of the wild-cat conservation group Panthera in New York city. Others are uncomfortable with throwing so much money and effort at a single species ? a single animal, in Puntung's case ? when the chances of success are so slim. ?One of the biggest challenges facing conservation today is our inability to step back and admit that there are animals that would take a little bit less work and a little bit less money but have the potential to survive for their genetic diversity into the future,? says John Fraser, chief executive of the New Knowledge Organization in New York city, a think tank and advocate of a triage response to species conservation. ?They may not be as charismatic, but quite frankly we have to admit that some species are not going to make it and it's really, really sad.?

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John Mayer tops Billboard album chart

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Home Improvement Ideas That Will Stimulate You

Using the proper info, you can take on numerous home remodeling assignments. The information in this article can help you obtain those desire tasks. Read on to understand as far as possible.
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You should think about having a combo system should you reside in a small position without the room to get a washer and dryer. A great deal of combo units are as small as a dishwasher. These appliances rinse and free of moisture clothing inside the very same model.
Stucco is an effective alternative when changing the exterior siding on the exterior of your residence. Dependant upon developing rules, you may need authorization to install it, and you might need a professional, however it is really durable, and thus worth the hassle.
Boring, simple lampshades do not have individuality. See your nearby products retail store, grab some acrylic color and stencils, and produce patterns on your lampshades. Take into account you can do this with dye dependent printer ink patches as well. Not only can you match the hue or concept of the space, but you may also complement the design of mats or any other features to tie up the area with each other.
One strategy that may give your property a new, thoroughly clean visual appeal has your carpets and rugs cleaned out regularly. Don?t just vacuum higher-visitors places thoroughly clean them by using a rug shampooing device. Your home will both appearance and feel significantly more clean.
In case you are having function carried out on the residence before you sell it, concentrate on sprucing in the outside initial, prior to do any interior job like pipes or warming upgrades. The curb appeal of the house is what will travel customers to can come inside of for a closer look.
Updating your kitchen appliances can perform a good deal for the observed worth of your house. No matter what the case could be, upgrading your home appliances will allow you to at your residence improvement initiatives.
Use metal wool to block off any slots or crevices that rodents can use to gain access to your own home. Mice can chew by way of a number of other materials, which includes foam, fabric and wooden. Nevertheless, they are unable to chew by means of stainlesss steel wool, making it specifically efficient for keeping rodents and also other unwanted pests from your home before you can entirely fix the broken area.
When you are carrying out any renovations within your cooking area, make certain you shut down the petrol in your home before starting. Be very mindful if you are planning to work around any petrol set up. Safety factors the best priority during these conditions and you don?t want nearly anything poor to happen.
Job your water use into the ideas for home remodeling. Lower movement lavatories, successful warm water heating units and low-amount shower heads are great options to decrease h2o usage. Not simply will these new furnishings boost residence worth with an a lot more modern day attraction, drinking water expenses might be a good deal much less.
There is no much better time than now to start out a new task. Even tiny residence projects can give your own home a completely new appear therefore making you take pleasure in the achievement of taking good care of it by yourself. Take advantage of this information now and like the work that you just do.

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Video: New Romney video hits Obama on Solyndra

NBC?s Mark Murray shares his thoughts on the new counter-attack ad by the Romney campaign against criticism of the presumptive nominee?s tenure at Bain Capital. The Web video says firms like Solyndra received federal loans from the Obama administration, but have since gone bankrupt.

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Baby Opalescent Squid - A Beautiful Start to the Week

By Carin Bondar?| May 28, 2012 |??

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Photo by Jonathan Wong, Vancouver Aquarium

In March of this year, staff at the Vancouver Aquarium became the proud ?parents? of 400 tiny opalescent squid. These tiny cephalopods (a taxonomic group including squid, octopus and cuttlefish) will eventually reach an adult size of 1 foot; however, they are currently no bigger than a grain of rice. The video footage shows the squid babies eating and undertaking some rudimentary jet-propulsive movement ? but the most spectacular part of the video is the showcasing of the chromatophores. Chromatophores are the pigment-containing cells of all cephalopods, and they allow these creatures to become camouflaged in almost any environment. Each pigment cell is directly connected to the nervous system and several muscle groups, which allows the squid to very intricately control both the amount of pigment and the specific colors used. Cephalopods are even capable of changing the texture of their skin! Enjoy this spectacular footage ? courtesy of the Vancouver Aquarium.

Happy Monday!

About the Author: Carin Bondar is a biologist, writer and film-maker with a PhD in population ecology from the University of British Columbia. Find Dr. Bondar online at www.carinbondar.com, on twitter @drbondar or on her facebook page: Dr. Carin Bondar ? Biologist With a Twist. Follow on Twitter @drbondar.

More??

The views expressed are those of the author and are not necessarily those of Scientific American.

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Microsoft posts Windows 8 app porting guide roundup, forgets to include BASIC

May 27th, 2012 by Chris Leave a reply ?

Let?s say you?re a developer eager to convert your apps for Windows 8 as soon as possible. Where do you start? Microsoft Developer Evangelist Jennifer Marsman is very much aware that you might be at a loss, so she has done the rather large favor of rounding up every porting guide the company has to offer in one handy place. Some of these are pure design guides, like a previously spotted iPad-to-Metro layout article, but others dig deep into converting code for the land of home tiles and charms. The focus is on porting from the web and Windows Phone 7, so we wouldn?t work up hopes of bringing your high school computer class project to Metro. Still, Marsman is looking for more guides from readers; if you?ve developed just the technique to convert 10 PRINT ?HELLO WORLD? 20 GOTO 10 into a tablet-native Windows 8 app, return the generosity and leave pointers at the source link.

Microsoft posts Windows 8 app porting guide roundup, forgets to include BASIC originally appeared on Engadget on Sun, 27 May 2012 02:01:00 EDT. Please see our terms for use of feeds.

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In weekly address, GOP says Obama "demonizes" domestic energy

(CBS News) This Memorial Day, both President Obama and the Republicans dedicated their weekly address to American service members; however, the Republican address focused mostly on their plan for the economy.

Rep. Lynn Jenkins (R-Kan.), who represents Fort Leavenworth and Fort Riley, said the "blessing of liberty" should be honored, "that is why helping to create jobs and grow our economy will continue to be Republicans' focus in the weeks and months ahead."

The two-term member of Congress said the Republican plan for economic growth "emphasizes long-term growth" and not "short-term stimulus."

Central to the Republican's economic plan is developing American oil and gas production, including the construction of the XL Keystone pipeline.

"The President demonizes home grown energy and pursues tax policies that advantage foreign energy over domestic," Jenkins said.

Meanwhile in his short weekly address,?President Obama said the U.S. needs to "serve" service members who return home with healthcare and access to education.

"We have to serve them and their families as well as they have served us: by making sure that they get the healthcare and benefits they need; by caring for our wounded warriors and supporting our military families; and by giving veterans the chance to go to college, find a good job, and enjoy the freedom that they risked everything to protect," the president said.

The president and first lady Michelle Obama are spending Memorial Day at Arlington National Cemetery and with Vietnam veterans at the Vietnam Veterans Memorial to mark the 50th anniversary of the Vietnam War.

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OoVoo Makes Facebook Multi-Person Video Hangouts Possible

Want to host a party with friends right on Facebook? Video chat company ooVoo has rolled out its service to the social networking site, allowing up to 12 friends to chat face-to-face at once.

The company also announced upgrades to its application for iPhone, Android, PC and the web users. The Facebook integration makes the service similar to Google Hangouts, which allows users to video chat in groups of 10 on the search engine giant?s social network Google+.

On the iPad, ooVoo doesn?t just support 12-way calls but also four-way HD video chats ? an industry first.

Although the 12-way video chat functionality wasn?t announced until today, ooVoo quietly rolled it out on Facebook over the past few months. Since then, nearly 350,000 people have been using the service.

?We never announced that the product was available in beta form on Facebook, but our users found it anyway ? this just reinforces how much of a need and desire to connect with others through social chat,? ooVoo CEO Yuval Baharav told Mashable.

SEE ALSO: Google+ Releasing ?Hangouts on Air? Feature to All Users

The integration between platforms is seamless. Even if a friend doesn?t have the ooVoo application, you can send them the web call link to start to the session.

The product news is the company?s first major milestone for ooVoo, which boasts more than 46 million users ? up from 19 million in 2010. Although it still trails behind mainstay competitors Skype and iChat, the company has set its sights on further expansion.

?We will be releasing more innovative features in the upcoming months that will allow our users to be even more social online,? Baharav said. ?We want ooVoo to be a communications platform that truly becomes a big part of our users? social lives.?

The news comes just a few weeks after a Pew Research Center?s Internet & American Life Project study found that nearly 40% of Teens Video Chat With Their Friends 40% of all Internet users ages 12 to 17 participate in video chats. Both teen boys and girls enjoy connecting with friends on the Internet to catch up, watch TV together and even do homework.

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Justin Bieber wanted for questioning in scuffle

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Doctor Whooligan: Matt Smith Carries The London 2012 Olympic Torch

I guess Matt Smith is a morning person. The Eleventh Doctor was up very early this morning but it was not to fight Daleks or save the universe. It was to carry the Olympic Torch on its eighth day of travels to the Olympics. Today the torch is traveling 115 miles from Cardiff to Swansea.

The Doctor accepted the torch at around 6:20 am.?Smith was clearly moved by the turnout of nearly a thousand people who came to see him carry the flame and also felt incredibly honored to be a part of the festivities.

Smith clearly understands that the honor bestowed upon him is bigger than?Doctor Who. He also was clearly having a great time. And why not after all David Tennant only got to carry the Olympic Torch on TV (In Fear Her.)

Smith was interviewed about the honor. It appeared in The Sun.

I would do it in my underpants. It?s the Olympic torch. I would probably get a bigger crowd for that.

http://www.thesun.co.uk/sol/homepage/news/4339883/Doctor-Who-star-Matt-Smith-carries-Olympic-torch-in-Wales.html

Interviewed by BBC Wales Smith beamed with excitement.

It?s a great privilege. I can?t believe the number of people who turned up. I thought I would just be waving to the ducks.??It?s strange really, it?s the Olympic torch ? it?s one of those strange occasions in your life that you don?t expect to happen.?It?s a huge privilege and one that?s unexpected.

Smith added that like the Doctor he wasn?t quite sure where he was going.

I don?t even know where I am running to. I try and run in a straight line.

Offscreen this is one of the most important moments ever for Doctor Who.?It emphasizes the mythos and popularity of the program in the English culture.

Here is a video and interview!

http://video.ca.msn.com/watch/video/from-time-lord-to-torchbearer/16iktdd9t

Here is some coverage from the BBC:

http://www.bbc.co.uk/blogs/doctorwho/articles/Matt-Smith-Carries-the-Flame-for-the-Games

http://www.bbc.co.uk/news/uk-wales-18217182

http://www.bbc.co.uk/news/uk-wales-18217784

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This day in baseball history (Powerlineblog)

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Random thoughts on the NBA Playoffs so far? and a look ahead

May 26th, 2012 by Chris Humpherys

After watching the Clippers outscore the Spurs by 22 points in the first quarter of Game Three of their playoff series, it appeared, if ever so briefly, that San Antonio was not as invincible as everyone thought.? Then we saw them retaliate with a 50-17 run of their own and realized, perhaps they are.

At only 23 years old each, Kevin Durant and Russell Westbrook are disturbingly good.? The Los Angeles Lakers had to play their very best just to be able to stay on the same floor as them.? The future of the league is in good hands.

In Game Three of the Lakers-Thunder series, the two teams combined to shoot 67-70 from the free throw line, with the Lakers going 41-42 and Kobe going 18-18.? I?ve never gone 18-for-18 at anything.

If Oklahoma City makes the Finals, they?ll have bested four of the last five, and ten of the last thirteen, NBA championship franchises, in doing so.

Why does Gregg Popovich have to be such a sourpuss during mid-game interviews or did Lisa Salters have it coming for asking such stupid questions?

If we had a Philadelphia 76ers-Indianapolis Pacers Eastern Conference Finals, would anyone watch?

Was there ever really a need for Miami to panic if, even down two games to one, Las Vegas still listed them as favorites to win the Pacers series?? Probably not after watching LeBron James go for 40 points, 18 rebounds and nine assists in Game Four and Wade land 41 points and 10 rebounds in Game Six.? As usual, Las Vegas knew just what they were talking about.

How hurt is Chris Bosh really and does it even matter?

Was the Udonis Haslem suspension and Tyler Hansbrough lack thereof fair and how long before some pundit plays the race card?

Did the Knicks even consider contacting Phil Jackson about their head coaching position and if so, which player on that roster would he find most expendable?

How serious were the Orlando Magic about hiring Shaquille O?Neal as their next general manager and why the hell is Dwight Howard talking to TMZ.com?

Would coaching the Bobcats drive Jerry Sloan to drink, particularly considering he lived in Utah for so long?

If you think the Miami Heat have done well with three of the top five drafted players in 2003 on their roster (James, Bosh, Wade), keep in mind, the Oklahoma City Thunder also have three top-five draft picks, all of whom they drafted themselves (Durant, 2^nd, 2007; Westbrook, 4^th, 2008; Harden, 3^rd, 2009).

Which duo this post-season has been more dynamic: Wade/James or Durant/Westbrook?? Let?s hope we find out in the Finals.

Is any lead safe in these playoffs?

If there?s one thing more enjoyable than a Blake Griffin dunk, it was watching Tim Duncan, twelve years his senior, negate those dunks at the rim.

Does anyone else find it ironic that it?s the biggest guys (Bynum, Gasol, Howard) who act like babies while the smaller guys (Westbrook, Parker, Rondo) are among the toughest in the league?

Do you honestly, have any earthly idea who will be this year?s NBA champion?? If so, you know more than everyone else.

?

?

Tags: Blake Griffin, Chris Bosh, Dwight Howard, Gregg Popovich, Jerry Sloan, Kevin Durant, LeBron James, Los Angeles Lakers, Miami Heat, NBA, NBA Playoffs, Oklahoma City Thunder, Philadelphia 76ers, Russell Westbrook, San Antonio Spurs, Tim Duncan, TMZ, Tyler Hansbrough, Udonis Haslem
Posted in Featured, Hardwood

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Free business health check service for retail businesses | Tower Blog

For years Tower Systems has offered a free retail business health check service to retailers using its Point of Sale software. This service provides an independent perspective of the performance of the business and how the software is being used in the business.

In addition to suggestions on business growth opportunities reflected in the business data, the retail business health check considers efficiency opportunities ? to help retailers using the Tower software to get more from their IT investment.

Tower is well positioned to provide this advice and share the insights because of its many years owning and operating hits won retail businesses.

There has been a surge in 2012 in retailers wanting to participate in the retail business health check service thanks to good word of mouth from others who have engaged.

All information provided by and to participating retailers is confidential.

This is customer service beyond what us usual for a Point of Sale software company. It takes the relationship between Tower Systems and participating retail businesses to a new level, delivering a value from the relationship way beyond the traditional software help desk relationship. The results of the service alone can free cash and or drive revenue to easily pay for the entire system investment.

Tower Systems is very proud of the point of difference of the free retail business health check service.

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Improving the Worth of Properties in Toronto by Using A number of ...

The roof can define the personality of your house over any of its outer attributes. Being the topmost part, the roofing is the most visible part of your property, which makes it reign over the exterior structure by being promptly apparent from afar.

Being above, however, can be either advantageous or detrimental. Because it shields the top portion of a building, it serves as a defense against the weather, but its inaccessibility causes it to be least visited or kept. The second item is due to its exposure, or non-visibility, even though it is certainly one of the most essential parts of the property.

The roof is extremely important that a small problem can impact the entire home in various means. Its suitable upkeep must be among the homeowner's top worries. Because roofs are often difficult to access without using a extended step ladder, the owner must take added efforts during roof examination and maintenance.

In Canada, specifically in a metropolitan setting like Toronto, properties come in different styles. While the predominant climates decide on the type of roof materials utilized in the town, the structure usually takes precedence as the basis of choice. A southern colonial house would certainly not look good with cedar shakes roofing, while metal roofing may not be befitting a rustic design house.

Like in different parts of the country, asphalt shingles are the most typical roofing materials in Toronto. Not only cheap, they can also be adapted to practically any house structures and are simple to mount. This is one cause most households choose this material for set up by roofing contractors in Toronto.

A roofing company Toronto based contractor also provides other sorts of roofing materials to homeowners for example concrete tile roofing. Ceramic tile tagged as among the most versatile materials because it can be made to look like terra-cotta tiles, shake, and slate. This roofing material is also very durable and can endure longer than most of the other commercially ready roofing materials.

While many roofing materials fit your home style, you might not need to substitute your roof at once. It is best to first hire professionals on roofing repair Toronto contractors provide to assist you in figuring out your roof's condition-only following their assessment should you choose the kind of roofing material you want for your roof. No matter what roofing material satisfies your budget and preference, you can rely on expert contractors to help you select correctly. If you wish to have more information on this topic, check out the website, homerenovations.about.com.

If you have questions, please visit us at www.AlpineRoofing.ca for complete details and answers.

Keywords: roofing company Toronto, roofing contractors in Toronto,roofing repair toronto

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Boston, Massachusetts - Risk Management Jobs

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Risk Manager I

Job ID: 10292094 Position Title: Risk Manager I Company Name: Citizens Bank Location(s): Boston, Massachusetts, 02101, United States ?

Posted: May 25, 2012 Job Function: Commercial Banking and Lending, Risk Management Entry Level: No Job Type: Full-Time

The Risk Manager will support the development, execution and maintenance of the Risk Management framework.? Will assist managers in institutionalizing operational, enterprise and regulatory risk management programs.? This will include the implementation and maintenance of risk management framework that includes business unit requirement, effective internal control processes and self-monitoring practices, and the assessment, tracking and reporting issues.? Will ensure timely communication of pertinent analysis of monitoring and validation efforts.? Will provide knowledge and expertise as directed on the appropriate implementation of the rules and standards through policies and procedures and other guidelines. Specifically, the Risk Manager will support the risk program for Global Markets including FX and Interest Rate Derivatives.? Further, the role will: Support the continued development, implementation, execution and maintenance of the Risk Management framework for Global Markets including FX and Interest Rate Derivatives front office sales. Assist business line managers in institutionalizing operational, enterprise?and regulatory risk management programs to support their semi-annual control certification and audit preparedness. Provide knowledge and expertise, as directed, on the appropriate implementation of Regulations, Rules, Group Policy and industry standards through procedures, other guidelines, and industry best practices. Develop, monitor, and validate key risk indicators including communication of pertinent analysis and results to support the assessment of the adequacy and effectiveness of key controls. Complete Control and Risk Assessments for Operational & Regulatory compliance, including tracking, reporting and timely closure of issues in the system of record. Function/Deliverables continued:? Leadership Accountabilities ?Business Management & Planning:? Implementation and delivery of business plans and targets. Plan, allocate and organize team resources to meet the business plan. Process/Continuous Improvement:? To initiate and support process improvement activity and help to embed a culture of continuous improvement.? To facilitate change through projects. Customer Service:? Be a role model to drive customer service values and effective management of customer concerns and issue resolution.? To set expectations of customer service excellence delivery and ensure all department SLAs are met and/or exceeded. Risk Management:? Identify and manage the risk, minimizing the outcome and escalating where appropriate Stakeholder Management: Develop and maintain effective working relationships.? Partner with other department and/or divisions with common goals. Managing Change: Proactively identify opportunities for change which will add value to the achievement of business objectives and enhance the customer experience.? Be flexible to react and/or implement change initiatives. Team Leadership:? Develop, plan and implement activities that will enable a highly motivated and highly performing team to deliver team objectives.? Fostering an environment of cooperation and change. Recruitment & Induction:? Identify hiring needs and make hiring decisions. ?Oversee the new hire orientation process for new team members. Team Development:? Create, plan and implement activities that will support the development of team members. Performance management: Ensure team meets agreed service levels Coach and develop staff Review each individuals performance to ensure they meet their specific objectives and that they have the right knowledge, skills and behaviors. Ensures that direct reports have clear objectives and targets linked to business objectives and appropriate behaviors (?what? is expected and ?how? they are expected to achieve objectives).

Qualifications Excellent analytical skills Excellent writing and verbal skills Advanced knowledge of MS Word Advanced knowledge of MS Excel/PowerPoint In-depth knowledge of regulatory compliance requirements and risk management principles. In-depth knowledge of financial services industry Excellent interpersonal skills Knowledge of financial services industry Bachelor Degree required, Master?s degree preferred 8 years, Analytical, Compliance, Risk, risk or audit experience

Hours and Work Schedule Hours per Week:?? 40 Work Schedule:??? Monday-Friday 8:00AM-5:00PM

Equal Employment Opportunity It is the policy of RBS Citizens, N.A. to provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to race, color, religion, sex, age, national origin, sexual orientation, gender identity or expression, disability, genetic information, pregnancy, veteran or military status, marital or domestic partner status, or any other factor protected by federal, state, and/or local laws.

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Finding Growth in Low Volatility Stocks and ETFs - Investment U

by Alexander Green, Investment U Chief Investment Strategist
Friday, May 25, 2012: Issue #1781

Historically, low volatility stocks have performed as well as the broad market with far less risk.

As a financial writer, I am regularly inundated with friends and family members who ask two familiar questions.

The first is, ?Where can I park my money these days to earn a decent yield without any downside risk??

They don?t want to hear it, but I tell them the truth anyway. ?Nowhere. If you want yield, you have to take risk. And if you want a high yield, you have to take considerable risk.?

The second most frequently asked question is, ?Is there a way I can invest in stocks without having to endure all that neck-snapping volatility??

Here the answer is a bit more nuanced. There are things you can do to soften the curves in your equity portfolio, from running trailing stops to selling covered calls, ideas we?ve talked about here before.

But there is another alternative, one that even widows and orphans can embrace: low volatility stocks ? and the ETFs that invest in them.

Four Low Volatility Stock Funds to Consider

Take the PowerShares S&P 500 Low Volatility Portfolio (Nasdaq: SPLV), for example. Since its inception a year ago, investors have plunked more than $1.6 billion into the fund. And they have been amply rewarded. Despite its somewhat stodgy portfolio ? filled with names like Coca-Cola (NYSE: KO), Kellogg (NYSE: K) and Procter & Gamble (NYSE: PG) ? the fund is up 9% year-to-date.

(I should warn here that funds like these do go down from time to time, just less than the broad market ordinarily.)

There are plenty of reasons to believe this will continue to be a good investment going forward. Plenty of academic and industry research confirms that safe, well-established companies provide generous returns to investors over the long term, without the sleepless nights. It seems counterintuitive, but low-risk, low-valuation, higher-yielding stocks have fared as well or better than go-go growth stocks over the long haul.

And today there are 14 different funds that bill themselves as low-beta investments. For example, the iShares MSCI Emerging Markets Minimum Volatility Index Fund (Nasdaq: EEMV) holds more conservative blue-chips in Latin America, Eastern Europe and Asia. It would be a good choice for a retirement account or a college fund for a child or grandchild with five or more years until matriculation.

If you are too conservative to invest in emerging markets ? a mistake, in my view, given their attractive prospects ? you might consider the Russell Developed ex-U.S. Low Volatility ETF (Nasdaq: XLVO). Or, if you want to invest globally but without a particular emphasis on emerging markets, consider the iShares MSCI All Country World Minimum Volatility Index (Nasdaq: ACWV).

Low Risk, High Return

You?ve heard the old investors? saw that risk and return go hand in hand, that you have to take more risk to get better returns. But there are exceptions. Low volatility stocks are one of them. Historically, they have performed as well as the broad market with far less risk.

If you know someone who has a low stock allocation ? or no stock allocation ? because they were burned during the market meltdown of 2008 or during the sudden downdraft of last year?s third quarter, low-volatility ETFs are a good solution.

And when I find that special investment with a decent yield and no downside risk, I?ll let you know that, too.

But don?t hold your breath?

Good Investing,

Alexander Green

Finding Growth in Low Volatility Stocks and ETFs, 4.0 out of 5 based on 1 rating

VN:F [1.9.16_1159]

Rating: 4.0/5 (1 vote cast)

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Police: Tapes could hold clues to more Manson Family murders

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All Commercial Real Estate Sectors Continue to Improve, Multifamily ...

WASHINGTON, DC, May 24, 2012 (MARKETWIRE via COMTEX) ? Shaking off a prolonged impact from the recession, fundamentals are gradually improving in all of the major commercial real estate sectors, according to the National Association of Realtors(R) quarterly commercial real estate forecast. The apartment rental sector has fully recovered and is growing.

The findings also are confirmed in NAR?s recent quarterly Commercial Real Estate Market Survey, which collects data from members about market activity.

Lawrence Yun, NAR chief economist, said new jobs are the key. ?Ongoing job creation, which is at a higher level this year, is fueling an underlying demand for commercial real estate space, assisted by a steady increase in consumer spending,? he said. ?The pattern shows gradually declining commercial vacancy rates, with consequential but generally modest rent growth.?

Yun expects the economy to add 2 to 2.5 million jobs both this year and in 2013, on the heels of 1.7 million new jobs in 2011, assuming a new federal budget is passed before the end of the year. ?Although we need even stronger job growth, by far the greatest impact of job creation is in multifamily housing, where newly formed households striking out on their own have increased demand for apartment rentals ? this is the sector with the lowest vacancy rates and strongest rent growth, which is attracting many investors.?

Rising apartment rents also are having a positive impact on home sales because many long-time renters now view homeownership as a better long-term option, Yun noted.

A large problem remains for purchases of commercial property priced under $2.5 million. ?Our recent commercial lending survey shows that there is very little capital available for small business, which is significantly impacting commercial real estate transactions, although funding is less restrictive for bigger properties.?

NAR?s latest Commercial Real Estate Outlook(1) offers projections for four major commercial sectors and analyzes quarterly data in the office, industrial, retail and multifamily markets. Historic data for metro areas were provided by REIS, Inc.,(2) a source of commercial real estate performance information.

Office Markets Vacancy rates in the office sector are projected to fall from 16.3 percent in the second quarter of this year to 16.0 percent in the second quarter of 2013.

The markets with the lowest office vacancy rates presently are Washington, D.C., with a vacancy rate of 9.3 percent; New York City, at 10.0 percent; and New Orleans, 12.6 percent.

Office rents should increase 2.0 percent this year and 2.5 percent in 2013. Net absorption of office space in the U.S., which includes the leasing of new space coming on the market as well as space in existing properties, is forecast at 24.7 million square feet in 2012 and 48.0 million next year.

Industrial Markets Industrial vacancy rates are likely to decline from 11.0 percent in the current quarter to 10.7 percent in the second quarter of 2013.

The areas with the lowest industrial vacancy rates currently are Orange County, Calif., with a vacancy rate of 4.7 percent; Los Angeles, 5.0 percent; and Miami at 7.2 percent.

Annual industrial rent is expected to rise 1.6 percent in 2012 and 2.4 percent next year. Net absorption of industrial space nationally is seen at 44.1 million square feet this year and 62.4 million in 2013.

Retail Markets Retail vacancy rates are forecast to decline from 11.3 percent in the second quarter to 10.7 percent in the second quarter of 2013.

Presently, markets with the lowest retail vacancy rates include San Francisco, 3.7 percent; Fairfield County, Conn., at 4.0 percent; and Long Island, N.Y., at 5.0 percent.

Average retail rent should rise 0.8 percent this year and 1.3 percent in 2013. Net absorption of retail space is projected at 8.0 million square feet this year and 21.9 million in 2013.

Multifamily Markets The apartment rental market ? multifamily housing ? is likely to see vacancy rates drop from 4.5 percent in the second quarter to 4.3 percent in the second quarter of 2013; apartment vacancy rates below 5 percent generally are considered a landlord?s market with demand justifying higher rents.

Areas with the lowest multifamily vacancy rates currently are New York City, 2.1 percent; Portland, Ore., at 2.3 percent; and Minneapolis at 2.4 percent.

After rising 2.2 percent last year, average apartment rent is expected to increase 4.0 percent in 2012 and another 4.1 percent next year. ?Such a rent increase will raise the core consumer inflation rate. The Federal Reserve, in turn, may be forced to raise interest rates, possibly as early as late 2013.?

Multifamily net absorption is forecast at 215,900 units this year and 230,300 in 2013.

The Commercial Real Estate Outlook is published by the NAR Research Division for the commercial community. NAR?s Commercial Division, formed in 1990, provides targeted products and services to meet the needs of the commercial market and constituency within NAR.

The NAR commercial components include commercial members; commercial committees, subcommittees and forums; commercial real estate boards and structures; and the NAR commercial affiliate organizations ? CCIM Institute, Institute of Real Estate Management, Realtors(R) Land Institute, Society of Industrial and Office Realtors(R), and Counselors of Real Estate.

Approximately 78,000 NAR and institute affiliate members specialize in commercial brokerage and related services, and an additional 232,000 members offer commercial real estate services as a secondary business.

The National Association of Realtors(R), ?The Voice for Real Estate,? is America?s largest trade association, representing 1 million members involved in all aspects of the residential and commercial real estate industries.

(1)Additional analyses will be posted under Economists? Outlook in the Research blog section of Realtor.org in coming days at: http://economistsoutlook.blogs.realtor.org/ .

(2)Beginning in the third quarter of 2011, NAR forecasts have been generated based on historical data provided by REIS, Inc., and do not correspond with prior historical information from previous forecasts. This source permits coverage of additional metro areas than previously reported.

The next commercial real estate forecast and quarterly market report will be released on August 27 at 10:00 a.m. EDT.

Information about NAR is available at www.realtor.org . News releases are posted in the website?s ?News and Commentary? tab. Statistical data in this release, as well as other tables and surveys, are posted in the ?Research and Statistics? tab of www.realtor.org .

Click here to view the orignal press release on May 24, 2012 by the Wall Street Journal MarketWatch.

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Can People Please Stop Saying Abortion Causes Breast Cancer ...

• Abortion does not cause breast cancer. ?The American Cancer Society, the National Institutes of Health and the American Congress of Obstetricians and Gynecologists all agree on this point. You can read about it here.?But that hasn?t stopped anti-abortion activists from touting a non-existant breast cancer/abortion link to try to scare women away from terminating unwanted pregnancies. In fact, Kansas and New Hampshire have both recently seen bills that would require doctors to tell women about the ?link.? WTF, people?! [Slate]
• Sixty-four allegations of sexual misconduct have been made against Secret Service agents in the past five years, a Congressional panel heard today. Most of the incidents involved emails, but one involved sexual assault. [BBC]
• A New Jersey memorial remembering Korean ?comfort women? ? i.e. women and girls held as sex slaves by Japanese soldiers during World War II ? has become a point of contention for locals. [NJ.com]?
• A women?s shelter in the remote Alaskan village of Emmonak ? which boasts no doctor and only one state trooper ? is facing closure after the state eliminated funding for the shelter. [New York Times]
• An explicit, yet fake, image of New York Daily News columnist S.E. Cupp with a penis in her mouth inside?Hustler magazine has everybody pissed off. [Mediaite]?
• New York state is considering the Child Victims Act, a bill which will extend the statute of limitations on sexual violence until the victim turns 28 years old. [New York Daily News]
• On the media?s sleazy treatment of trans women. [Alternet]
• On actress Abigail Breslin and the new generation of female action heroes. [Think Progress]

INTERNATIONAL

• The African countries of Sierra Leone, Liberia and Ivory Coast need more funding to address violence against women, according to a new report by the International Rescue Committee. [Guardian UK]
• How can Egyptian politicians in today?s election appeal to the country?s women? [BBC]
• Gun ownership is becoming increasingly popular among Indian women who want to protect themselves from violence. [Guardian UK]
• The ?mobile services company Orange has pulled its support of the Orange Prize, an award in the UK given to fiction written by women. [Isak]
• Meet Commander Sarah West, the first woman to take command of a major British war ship. [Guardian UK]

Contact the author of this post at Jessica@TheFrisky.com. Follow me on Twitter at @JessicaWakeman.

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