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Here's how you'll really use your tax refund

By Allison Linn, TODAY

If you?re like a lot of Americans, chances are you?re hoping you?ll get a tax refund this year.

What?s more, you may?be planning to take that money and do something frugal with it, like put it in a savings account or pay down debt.

Here?s the good news: Most people who say they plan to use most of their tax refund to bulk up savings or pay down debt?keep the vow.

But here?s the catch: They also tend to spend at least some of that money on something like a nice dinner out or a new pair of boots, whether they realize it or not.

?There?s still a significant spending (boost) among this group,? said Jonathan Parker, a professor of consumer finance at Northwestern University?s Kellogg?School of Management who has done research on how people spend government payouts such as tax refunds and stimulus checks.

It appears a lot of taxpayers?plan to use their refunds to improve their personal finances.

A TD Ameritrade survey released last month found that 47 percent of those expecting to get a refund plan to? bulk up their savings account with it, while 44 percent plan to use the money to pay?debt.

About 28 plan to spend at least some on necessities and 15 percent plan to splurge on something discretionary. Respondents were allowed to pick more than one answer.

Using bank data and other sources, Parker has found that when people get money back from Uncle Sam, on average they tend to immediately spend a little bit more than usual.

?You often find a spike in spending right when it arrives ? like, within a week of arrival ? that?s sort of small,? he said.

The sudden jump in their bank balance may prompt some people to?pay that bill that?s been nagging them, or it may make them feel like it?s OK to splurge on something small, like a date night.

After that, he said there?s sort of a delayed response. But over time, people who got money back do tend to spend slightly more?overall, he said.

The people who say they are going to save most of their tax refund or rebate - or mostly use it to pay down debt - do use some of the money toward those goals, he said. But they also tend to spend more of it than they might think they did.

As for the people who said they planned to spend their tax refund? Parker said they mostly do what they planned.

?They were kind of right. They spent the whole thing,? he said.

When people get a bigger tax refund, there is often a bump in spending in August, he noted, suggesting that people are using the money toward a nicer summer vacation.?Others who get a big chunk of money back from Uncle Sam, such as a check for over $1,000, may end up using it as a down payment on an even bigger purchase, like a car.

Even though people who think they are saving most of their refund or using it to pay down debt tend to spend some of it, Parker thinks the system of getting a refund can help some people budget.

?It?s a little bit like a helpful commitment to save,? he said.

Still, some taxpayers do complain about a tax system that can act like a forced savings plan ? or surprise people with an unexpected bill.

Mark Zandi, chief economist with Moody?s Analytics, said that?an ideal tax system would help people?better predict their taxes through the year, so they didn?t end up at with a big payment or refund come April 15.

But given all the other complications of the nation?s tax code, he said it?s far from his top concern.

?I?m not sure I?d worry about that at this point,? he said.

If you get a tax refund this year, how do you plan to use it?

Source: http://lifeinc.today.com/_news/2013/03/11/17239509-save-or-spend-heres-how-youll-really-use-your-tax-refund?lite

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Relationships Australia looks to collaboration | Fire and Security News

With disparate branches spread across Western Australia and long travel times, not-for-profit organisation Relationships Australia has plans to roll out Cisco IP phones and TelePresence videoconferencing.

The agency provides counselling services for people who have experienced domestic violence and family disputes. Relationships Australia also works with the Aboriginal community in the state.

Speaking at Cisco Live in Melbourne, Relationships Australia CIO Martha Rousselet told attendees that the organisation is planning to change all of its phones to use IP connectivity for improved collaboration purposes. For example, staff in remote parts of WA will be able to easily communicate with the head office in Perth. ?We also want videoconferencing capability because our branch managers meet once a month and they have to travel by plane or drive,? she said.

?Even from the south to Perth it?s at least four hour?s drive. ?

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Saving money through the use of technology is essential for Rousselet as most of her funding comes from Lotteries West.

When Rousselet arrived at the not-for-profit in 2011, she drafted a business capability model which enabled her to develop an ICT plan that aligned with Relationships Australia?s strategy.

Rousselet discovered that infrastructure and core software were not integrated. Employing server virtualization has reduced a pool of 300 physical servers down to just 80 servers.

?I mapped where our locations were, along with the software and hardware that would enable the business applications to run.?

Next on the agenda is improving the organisation?s bandwidth at its 25 office locations in WA.

?If we want to introduce a video app using the Cisco Communications Manager the bandwidth has to be there for us to operate well,? she said.

?What we have decided to do is implement new desktops at every Relationships Australia branch so we can monitor how much bandwidth is used at each branch.?

Hamish Barwick travelled to Cisco Live in Melbourne as a guest of Cisco

Follow Hamish Barwick on Twitter: @HamishBarwick Follow CIO Australia on Twitter and Like us on Facebook? Twitter: @CIO_Australia, Facebook: CIO Australia, or take part in the CIO conversation on LinkedIn: CIO Australia

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Source: http://fireandsecuritynews.co.nz/relationships-australia-looks-to-collaboration/

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Japan Turned the One Surviving Tsunami Tree Into a Gigantic Sculpture

Two years ago today, Japan was ravaged by a horrible tsunami. And now, right on the anniversary of the disaster, there's a new memorial to the people and things who lived through it: the "miracle tree" that survived the surge has now been converted in a sculpture. More »


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Watching TV on the Web - Charlotte Observer

Not too long ago, TV viewers had three programming options: satellite, cable or the good ol? antenna if you just wanted to watch free broadcast channels and DVDs.

But the world has been changing, thanks to the major expansion of streaming content from the Web that you can see on a TV, desktop, laptop, tablet and smartphone.

Cable and satellite penetration peaked in summer 2010 at 90.5 percent of households, and has slipped slightly, to 90.1 percent, according to Nielsen research. The typical subscriber now shells out $86 a month, more than double the average a decade ago, according to a recent study by the NPD Group.

While a hardy few have ?cut the cord,? more viewers are supplementing their cable or satellite subscriptions with content from Web-based providers such as Netflix, Amazon Instant Video or Hulu.

Here?s a guide to how you can use Wi-Fi to access streaming video for your TV, plus a look at content options.

Smart TVs

Typically having 40- to 65-inch screens, these bring you regular cable and satellite programming but also content on the Web, where more original series are popping up, such as ?House of Cards,? the new Netflix drama starring Kevin Spacey. These TVs generally cost $200 more than a comparably sized regular set.

Most provide built-in applications for such sites as Netflix and Hulu Plus, as well as a Web browser. These options mostly require either a subscription costing about $8 a month or charge per film or TV show.

Set-top receivers

If you own a regular TV or prefer to buy a new one that?s not Internet-ready, you can take a cheaper route and buy a separate set-top box. Three of the more popular ones:

Roku: Provides the best price, with access to hundreds of streaming audio and video sites, and an excellent searching function. Price: $50-$100.

Apple TV: The current version integrates well with iTunes and Apple devices. Price: $99.

Boxee: Geared to tech-savvy users who like to share TV and movie recommendations via Twitter or Facebook. It also comes with a full Web browser, which Roku and Apple do not, but not Hulu Plus. Price: $99.

Game systems

Many people already own video game systems that have Internet access:

Nintendo Wii U: Known to be more family-oriented in its games and activities than Xbox or Playstation. The older Wii provides access to Netflix and Hulu Plus, but does not offer high-definition streams. The new Wii U came out in November and has a new feature called TVii, which not only streams content, but also can serve as a universal remote. Price: $300-$350.

Microsoft Xbox 360: Originally designed just to play video games. The Live Gold option provides access to such services as Netflix, Amazon Instant Video, ESPN and Hulu Plus. It costs at least $5 extra a month, plus more to see films or TV shows. Price: $200-$300.

Sony PlayStation 3: Similar to Xbox, but access to Netflix and similar services is free. Like Xbox, you pay more to see films or shows, but PS3 also comes with more memory to store films, TV programs and other media. Price: $270-$300.

Blu-ray players

These players, with built-in Wi-Fi, are increasingly common. Prices start about $70. Consumer Reports? top-rated players are the LG BP320, which includes Hulu Plus, Netflix, Vudu and Pandora Internet radio, and the Panasonic DMP-BD87, with similar access.

Content options

Some providers charge one price for all their offerings, while others bill you on an a la carte basis. With all-you-can-view services, you don?t usually get the newest TV shows and films. With the pay-per-view providers, costs can escalate if you?re not careful.

The most popular options:

All-you-can-view Netflix: The most popular provider, it specializes in full past seasons of TV shows. And it?s starting to create its own shows such as a revival of ?Arrested Development.? Price: $8 a month.

Hulu Plus: Focuses on individual episodes of recent shows (?The Office,? ?Modern Family?) but, unlike Netflix, there are commercials. You can see shows on smartphones, tablets and TVs. Price: $8 a month.

Pay-per-view

Amazon Instant Video: Plenty of on-demand, commercial-free and current-season episodes of TV shows not available on Hulu, such as ?The Walking Dead? and ?Mad Men,? for sale at $1.99 per episode. You also can rent films for $4 to $5 each, or buy them for about $15.

Vudu: A service of Wal-Mart, Vudu provides high-quality HD streams with a similar price structure to Amazon Instant.

ITunes: Sells individual TV episodes or ?season passes,? which automatically download new episodes as they become available. New movies are usually sold at the same time as DVD releases. Integrates well with Apple products such as the iPad, but can?t be accessed on non-Apple devices.

Source: http://www.charlotteobserver.com/2013/03/09/3904377/watching-tv-on-the-web-a-guide.html

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Blackhawks not mourning end of record point streak

Chicago Blackhawks right wing Marian Hossa, of Slovakia, files off the ice with teammates after the Colorado Avalanche's 6-2 victory in an NHL hockey game in Denver on Friday, March 8, 2013. The Blackhawks lost in regulation for the first time this season. (AP Photo/David Zalubowski)

Chicago Blackhawks right wing Marian Hossa, of Slovakia, files off the ice with teammates after the Colorado Avalanche's 6-2 victory in an NHL hockey game in Denver on Friday, March 8, 2013. The Blackhawks lost in regulation for the first time this season. (AP Photo/David Zalubowski)

As members of the Colorado Avalanche, back, celebrate a goal by Ryan O'Reilly, Chicago Blackhawks right wing Michael Frolik (67), of the Czech Republic, skates back to the bench in the second period of an NHL hockey game in Denver, Friday, March 8, 2013. (AP Photo/David Zalubowski)

Colorado Avalanche left wing Patrick Bordeleau, front left, congratulates teammate Aaron Palushaj as they join teammates to celebrate the Avalanche's 6-2 victory over the Chicago Blackhawks in an NHL hockey game in Denver on Friday, March 8, 2013. Chicago's loss was its first in regulation this season. (AP Photo/David Zalubowski)

Colorado Avalanche right wing Aaron Palushaj, left, battles for control of the puck with Chicago Blackhawks defenseman Duncan Keith in the third period of the Avalanche's 6-2 victory in an NHL hockey game in Denver on Friday, March 8, 2013. The Blackhawks lost in regulation for the first time this season. (AP Photo/David Zalubowski)

Colorado Avalanche right wing PA Parenteau celebrates his short-handed goal against the Chicago Blackhawks in the third period of the Avalanche's 6-2 victory in an NHL hockey game in Denver on Friday, March 8, 2013. The Blackhawks lost in regulation for the first time this season. (AP Photo/David Zalubowski)

DENVER (AP) ? The Chicago Blackhawks aren't about to mourn the end of their record points streak.

"We're proud of it, but it'll be nice to move on now," defenseman Duncan Keith said after the Blackhawks' 6-2 loss to the Colorado Avalanche on Friday night.

The loss was Chicago's first in regulation this season and ended a remarkable run in which they earned at least one point in their first 24 games, an NHL record.

"It's hockey. We've lost games before in our lives. It's not like we're going to sit here and cry," Keith said.

Instead, they'll sit back and celebrate, said coach Joel Quenneville, who told his team afterward "that they should be very proud of what they accomplished. They found different ways to win, night in and night out, and everyone contributed to something that hadn't been done. It's a great feather in our cap, but let's move forward here and try to get better. Certainly it was a lot of fun up to today."

So, they left the ice without a point for once but also with their heads held high.

The Blackhawks (21-1-3) hadn't lost in regulation since a 6-1 rout by Nashville on March 25, 2012, and their last loss in regulation on the road came more than a year ago, with a 5-1 defeat at St. Louis on March 6, 2012.

Dating to last year's regular season, the streak was 30 games.

"That's just mind-boggling," Avalanche center Paul Stastny said. "That's two full months without losing. Hats off to them. But to be the team that was able to stop them ? we had a chance last time and didn't do it ? but the way our schedule was we knew we had back-to-back games and would have two chances to stop it. And that's what we wanted to do, stop their streak and get one going for us."

Chicago's overall points streak was the second-longest in NHL history. The 1979-80 Philadelphia Flyers set the league record with a staggering 35-game unbeaten streak that included 25 wins and 10 ties ? all in the same season.

"It's special," said Matt Duchene, who had a goal and a career-best three assists. "It's obviously something no one had done yet. But what a run by them. I mean, first of all, congratulations to them. What a run they had. I don't think they're going to slow down because of this. But it's pretty special. It's a good feeling in here. We're pretty happy."

Ryan O'Reilly got his first goal since his contract dispute was resolved more than a week ago and assisted on another score in a four-goal onslaught in the second period that turned a 1-1 tie into a laugher. Stastny collected three points.

Duchene, John Mitchell and Jamie McGinn also put pucks past Corey Crawford in the second period for the Avalanche, who had lost six of their previous seven, including a 3-2 heartbreaker at Chicago 48 hours earlier.

Crawford (11-1-3) allowed five goals on 19 shots before being replaced in net by Ray Emery to start the third period.

"I didn't have it tonight," Crawford said. "Didn't give our guys a chance."

Semyon Varlamov had 30 saves for Colorado.

The Avalanche nearly ended the spectacular streak in Chicago on Wednesday night before the Blackhawks pulled out the win when Daniel Carcillo scored the tiebreaking goal with 49.3 seconds left. Chicago was skating without three key forwards and playing its second game in two nights then.

There was no such comeback Friday night at the Pepsi Center for Chicago, which hadn't allowed more than four goals in a game this season or even trailed by more than two goals until the Avs' spectacular second period.

"It's a great confidence booster," Duchene said. "It shows us we can play with anybody in this league."

The crowd chanted, "End of streak! End of streak!" over the final minutes after P.A. Parenteau's 10th goal of the season made it 6-2.

Bryan Bickell's goal with 11:07 pulled the Blackhawks to 5-2 and he nearly scored again from the same spot 90 seconds later, but Varlamov smothered the shot ? and that was that.

The teams got into a scuffle with 5:04 left after Bickell squared off with Gabriel Landeskog, who had checked Keith in the back.

Chicago's Jonathan Toews got the scoring started when he knocked the puck past Varlamov after a turnover on a give-and-go with forward Marian Hossa, who returned from an upper-body injury.

But Colorado scored the next five goals.

Duchene's goal between Crawford's legs made it 2-1. Just 33 seconds later, Mitchell scored on an assist from O'Reilly, who was signed to a two-year $10 million deal last week after the Avalanche matched Calgary's offer sheet following a nasty contract dispute.

O'Reilly's goal came on a slap shot from the top of the right circle 4 seconds into another power play. Duchene set him up with a pass after Stastny won the faceoff.

Duchene got his third assist when he dug out a loose puck from the boards in a scramble with Keith and kicked it out to McGinn, who put made it 5-1.

Remarkable though it was, the streak had become somewhat of a burden for the Blackhawks.

"It's gained a lot of momentum over the last little while and our opponents, they treated it like it was a very important game," Quenneville said. "You look at the standings and everyone has a meaningful game, but it seemed like there was added incentive as we've gone along. We welcomed the challenge."

After a while, it seemed the streak had taken on a life of its own.

"I'd say the last handful of games the talk about it kind of got out of control," Toews said. "The guys in our locker room, we always focused on the same thing, being prepared to play our team game. We never really got distracted by that. Maybe it does take a little bit of pressure off us and we can sit back and look at the good things we've done."

The Blackhawks' run comes with somewhat of an asterisk because they actually lost three games along the way ? all in shootouts. Under NHL rules, that's still worth a point, but that makes it different from what the Flyers accomplished nearly a quarter-century ago.

During the Flyers' streak there was no overtime until the playoffs, and the shootout was still a far-off creation. If the teams were tied after 60 minutes, that's how it ended and each got a point.

Nowadays, both teams still receive a point if the game is tied at the end of regulation. Then, the team that scores in a five-minute, four-skaters-a-side overtime period or wins the shootout gets an extra point.

"It's over," Crawford said. "Move on to the next game."

NOTES: Avalanche D Erik Johnson returned to the lineup after missing 11 games with a head injury. ... The Blackhawks were without F Patrick Sharp, who left Wednesday's home win over the Avalanche with a shoulder injury after being checked along the boards by Colorado's Ryan O'Byrne.

___

Follow Arnie Melendrez Stapleton on Twitter: http://twitter.com/arniestapleton

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2013-03-09-Blackhawks-Avalanche%20Folo/id-66de4e3240ba44b99274d161fba31ea4

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Giant Salamander VIDEO Shows World's Largest Amphibian Vacuuming Up A Meal

By Traci Watson

The giant salamander (Andrias davidianus) isn't just the world's largest amphibian. A new study shows the animal, which can reach 50 kilograms and 1.6 meters, has an outsized talent: It's a supersucker. Researchers found that the mammoth creature, which lives in rivers in China, can vacuum up a whole fish in 0.05 seconds, engulfing the tidbit and more than a liter of water in its gaping maw, as seen in the time-lapse video above.

So powerful is its suck that prey enters its mouth at accelerations comparable to those of rocket-powered cars. The team's computer simulations show that the salamander creates suction by whipping open its broad, flat jaws with the help of huge muscles?an unprecedented technique. Writing in today's Journal of the Royal Society Interface, the researchers note that the giant salamander resembles the Earth's earliest four-legged creatures.

So those first tetrapods?which paved the way from sea to land?may have opened wide to slurp up their prey as well.

See more videos.

ScienceNOW, the daily online news service of the journal Science.

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Source: http://www.huffingtonpost.com/2013/03/09/giant-salamander-video-eating_n_2839269.html

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