Current Events in January 2013

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    How to choose a credit counseling agency

    They can help you manage your money and get out of debt, but you have to be careful

    It's a brand new year -- the year you resolve to get out of debt, or at least take control of it. The big question is: How do I do it?

    Fortunately, there are credit counseling agencies that can help you get your finances in order. They can help you figure out a budget and stick to it while managing your debt and avoiding future financial pitfalls.

    However, not all credit counseling agencies are created equal. Some offer free or low-cost services while others charge high fees or might not be trustworthy. The following tips from USA.gov will help you choose the right credit counseling agency.

    Look for agencies with a good reputation

    Most reputable credit counseling agencies are nonprofits that offer free or low-cost services. However, the fact that an agency is a nonprofit does not guarantee that it is affordable or that it has a good reputation. Here are some tips for selecting a credit agency you can trust:

    • Ask family members and friends if they can recommend an agency. It's best to pick one that has been around for several years and has a well-established reputation.
    • Use credit agencies or credit counseling services referred by credit unions, banks, universities or military bases.
    • Choose a credit agency that's been approved  by the Federal Government.
    • You can also check out state and local consumer agencies to find out if a credit agency has complaints.

    Compare services and costs

    Once you have a list of agencies you can trust, the next step is to take a closer look at the services and costs they offer so that you can choose the one that best serves your needs. Be careful with credit agencies that charge high fees for services that you can get for free somewhere else.

    Some of the most common services offered by credit agencies include:

    • Professional, person-to-person assistance with managing your money and debt.
    • Help putting together a family budget and sticking to it.
    • Free workshops and educational material.

    Ask lots of questions

    Before finally choosing a credit agency, it's worth writing down a list of questions you might have so that you can avoid surprises such as hidden fees or limited services. Here are some questions to help you pick the right credit agency:

    • Are there different fees for different services? Some agencies might charge for initial consultations or a monthly fee. Be careful with agencies that pay their employees more depending on the services you sign up for.
    • Will you be signing a contract before getting counseling? If so, be sure to read the contract before signing it.
    • Does the agency have the right certifications to provide credit counseling? It's best to use agencies that have been certified by independent organizations.
    • What is the privacy policy of the agency? It's important that your personal and financial information is protected.

    It's a brand new year -- the year you resolve to get out of debt, or at least take control of it. The big question is: How do I do it? Fortunately, there ...

    Teen use of marijuana a continuing concern

    A new federal survey shows rates are stable or down for most drugs

    A dangerous combination of continued high use of marijuana by the nation's eighth, 10th and 12th graders combined with a drop in perceptions of its potential harms has officials concerned.

    The findings are contained in this year's “Monitoring the Future” survey -- an annual survey of eighth, 10th, and 12th-graders conducted by researchers at the University of Michigan. The survey was carried out in classrooms around the country earlier this year, under a grant from the National Institute on Drug Abuse (NIDA).

    Rising pot use

    The 2012 survey shows that 6.5 percent of high school seniors smoke marijuana daily, compared with 5.1 percent five years ago. Nearly 23 percent say they smoked it in the month prior to the survey, and just over 36 percent say they smoked within the previous year. For 10th graders, 3.5 percent said they use marijuana daily, with 17 percent reporting past month use and 28 percent reporting use in the past year. The use escalates after eighth grade, when only 1.1 percent reported daily use, and 6.5 percent reported past month use. More than 11 percent of eighth graders said they used marijuana in the past year.

    The survey also showed that teens' perception of marijuana’s harmfulness is down, which can signal future increases in use. Only 41.7 percent of eighth graders see occasional use of marijuana as harmful; 66.9 percent see regular use as harmful. Both rates are at the lowest since the survey began tracking risk perception for this age group in 1991.

    As teens get older, their perception of risk diminishes. Only 20.6 percent of 12th graders see occasional use as harmful (the lowest since 1983), and 44.1 percent see regular use as harmful, the lowest since 1979.

    IQ affected

    A 38-year NIH-funded study, published this year in the Proceedings of the National Academy of Sciences, showed that people who used cannabis heavily in their teens and continued through adulthood showed a significant drop in IQ between the ages of 13 and 38 -- an average of eight points for those who met criteria for cannabis dependence.

    Those who used marijuana heavily before age 18 (when the brain is still developing) showed impaired mental abilities even after they quit taking the drug. These findings are consistent with other studies showing a link between prolonged marijuana use and cognitive or neural impairment.

    "We are increasingly concerned that regular or daily use of marijuana is robbing many young people of their potential to achieve and excel in school or other aspects of life," said NIDA Director Nora D. Volkow, M.D. "THC, a key ingredient in marijuana, alters the ability of the hippocampus, a brain area related to learning and memory, to communicate effectively with other brain regions. In addition, we know from recent research that marijuana use that begins during adolescence can lower IQ and impair other measures of mental function into adulthood."

    Risk of addiction

    Research clearly demonstrates that marijuana has the potential to cause problems in daily life or make a person's existing problems worse. In one study, heavy marijuana abusers reported that the drug impaired several important measures of well-being and life achievement, including physical and mental health, cognitive abilities, social life, and career status.

    "We should also point out that marijuana use that begins in adolescence increases the risk they will become addicted to the drug," said Volkow. "The risk of addiction goes from about 1 in 11 overall to about 1 in 6 for those who start using in their teens, and even higher among daily smokers."

    Use of other illicit drugs among teens continued a steady modest decline. For example, past year illicit drug use (excluding marijuana) was at its lowest level for all three grades at 5.5 percent for eighth graders, 10.8 percent for 10th graders, and 17 percent for 12th graders. Among the most promising trends, the past year use of Ecstasy among seniors was at 3.8 percent, versus 5.3 percent last year.

    "Each new generation of young people deserves the chance to achieve its full potential, unencumbered by the obstacles placed in the way by drug use," said Gil Kerlikowske, director of National Drug Control Policy. "These long-term declines in youth drug use in America are proof that positive social change is possible. But now more than ever we need parents and other adult influencers to step up and have direct conversations with young people about the importance of making healthy decisions. Their futures depend on it."

    Other drugs abused

    The survey also looks at abuse of drugs that are easily available to teens because they are generally legal, sometimes for adults only (tobacco and alcohol), for other purposes (over-the-counter or prescribed medications; inhalants), or because they are new drugs that have not yet been banned. Most of the top drugs or drug classes abused by 12th graders are legally accessible, and therefore easily available to teens.

    For the first time, the survey this year measured teen use of the much publicized emerging family of drugs known as "bath salts," containing an amphetamine-like stimulant that is often sold in drug paraphernalia stores. The data showed a relative low use among 12th graders at 1.3 percent. In addition, the survey measured use of the hallucinogenic herb Salvia, finding that past year use dropped among 10th and 12th graders, down to 4.4 percent for 12th graders from last year’s 5.9 percent.

    Abuse of synthetic marijuana (also known as K-2 or Spice) stayed stable in 2012 at just over 11 percent for past year use among 12th graders. While many of the ingredients in Spice have been banned by the U.S. Drug Enforcement Administration, manufacturers attempt to evade these legal restrictions by substituting different chemicals in their mixtures. Another drug type -- inhalants -- continues a downward trend. As one of the drugs most commonly used by younger students, the survey showed a past year use rate of 6.2 percent among eighth graders, a significant drop in the last five years when the 2007 survey showed a rate of 8.3 percent.

    The data show a mixed report regarding prescription drug abuse. Twelfth graders reported non-medical use of the opioid painkiller Vicodin at a past year rate of 7.5 percent. Since the survey started measuring its use in 2002, rates hovered near 10 percent until 2010, when the survey started reporting a modest decline. However, past year abuse of the stimulant Adderall, often prescribed to treat ADHD, has increased over the past few years to 7.6 percent among high school seniors, up from 5.4 percent in 2009. Accompanying this increased use is a decrease in the perceived harm associated with using the drug, which dropped nearly 6 percent in the past year -- only 35 percent of 12th graders believe that using Adderall occasionally is risky. The survey continues to show that most teens who abused prescription medications were getting them from family members and friends.

    Over-the counter drug abuse

    The survey also measured abuse of over-the-counter cough and cold medicines containing dextromethorphan-5.6 percent of high school seniors abused them in the past year, a rate that has held relatively steady over the past five years.

    The 2012 results also showed a continued steady decline in alcohol use, with reported use at its lowest since the survey began measuring rates. More than 29 percent of eighth graders said they have used alcohol in their lifetime, compared with 33.1 percent last year, and significantly lower that peak rate of 55.8 percent in 1994. For 10th graders, 54 percent of teens reported lifetime use of alcohol; it peaked at 72 percent in 1997. Binge drinking rates (five or more drinks in a row in the previous two weeks) have been slowly declining for eighth graders, at 5.1 percent, versus 6.4 percent in 2011, and a peak of 13.3 percent in 1996.

    Tobacco use

    Cigarette smoking continues at its lowest levels among eighth, 10th and 12th graders, with dramatic long-term improvement. Significant declines were seen in lifetime use among eighth graders, down to 15.5 percent from last year's 18.4 percent, compared with nearly 50 percent at its peak in 1996. Significant declines were also seen in 10th grade lifetime use of cigarettes, down to 27.7 percent from 30.4 percent in 2011. Peak rates for 10th graders were seen in 1996 at 61.2 percent. For some indicators, including past month use in all three grades, cigarette smoking remains lower than marijuana use, a phenomenon that began a few years ago.

    The survey also measures several other kinds of tobacco delivery products. For example, past year use of small cigars was reported at nearly 20 percent for 12th graders, with an 18.3 percent rate for hookah water pipes.

    "We are very encouraged by the marked declines in tobacco use among youth. However, the documented use of non-cigarette tobacco products continues to be a concern," said Howard K. Koh, M.D., M.P.H., assistant secretary for health for the U.S. Department of Health and Human Services. "Preventing addiction includes helping kids be tobacco free so they can enjoy a fighting chance for health."

    A dangerous combination of continued high use of marijuana by the nation's eighth, 10th and 12th graders combined with a drop in perceptions of its potenti...

    Some apps to help you with that New Year's resolution

    Whether it's trying to exercise more or trying to save money, today's apps can help

    This year, my New Year’s resolution is to not make any New Year’s resolutions, because most times they’re never kept and by the time February or March rolls around you’ve already forgotten what you wanted to change about yourself.

    But for those who are brave enough to take on a resolution this New Year’s, you may want to get  a little extra help by way of a mobile device app, which could definitely make it easier for you while you’re on your quest for self-improvement.

    Saving money is usually among the most popular New Year’s resolutions for consumers, so to help, the Account Tracker app lets you keep track of all your different bank accounts, including your credit cards.

    It also lets you keep a close eye on your daily spending habits, including those costs attached to vices like smoking, eating fast food or buying alcohol, which many people are trying to give up this coming New Year.

    The idea behind this app is to give people a direct incentive to budget and let go of certain spending habits that have kept them from reaching financial goals in the past, and sometimes being able to have a visual reference that shows all of your purchases will keep you from buying a bunch of frivolous items, since you’ll be documenting those purchases and seeing exactly where your money is going.

    The Account Tracker differs from just being able to look up your bank account information on your smartphone, as it pulls all of your financial data into one digital location regardless of the type of account, the financial institution or the type of credit card you use.

    The app also sends users certain alerts, like when bills are due or when you’re account is overdrawn, and it even generates a financial report so you can store all of your past transactions and compare how well you’ve been saving.

    It also lets you set financial goals, so while you’re entering your daily transactions into the app, you’ll also be able to see just how close or far you are from reaching your desired target.

    Account Tracker is available free in the Apple Apps Store.

    Fitness goals

    And for those looking to increase their fitness in 2013, the Workout Trainer app allows users to access personal trainers on their mobile device and each trainer teaches a wide array of exercise routines, while giving you instruction on how to maximize a particular workout.

    The app is good for those folks who want to start or continue an exercise regimen, whether it’s weight training, aerobics, calisthenics or whatever.

    The Workout Trainer also lets you sync your favorite music to workouts, so as you’re being instructed by a professional fitness expert, you can stay motivated by your own play list, while also receiving additional motivation from the virtual trainers.

    Another cool feature on the app is its ability to let you edit the workouts, just in case you would rather focus on a specific part of the exercise instead of going through the entire routine, and you can even have a virtual consultation with one of the exercise instructors so specific workouts can be shaped around a specific goal.

    The Workout Trainer is for Android devices and can be downloaded in the Google Play store.

    Quit ... for good

    Another Android application that’s perfect for New Year’s resolutions is Quit, which is an app designed for smokers looking to break their cigarette habits once and for all.

    The makers of the app say it uses statistical data from other users who quit and carves out a specific plan around your smoking habits.

    The app also asks a series of questions to users to determine just how heavy their addiction to nicotine is and it tracks the amount of cigarettes you decided not to smoke.

    It also tallies the amount of money you’re saving from not purchasing cigarettes and tells you how many years you’ve added to your life by avoided each cig, which can only serve as good motivation.

    In addition, the Quit app sends useful information like the chemicals you’re avoiding by not smoking, and it also sends you motivational statements that are supposed to remind you of why you decided to quit in the first place.

    Users will also receive what the makers call an achievement list that you’re supposed to unlock one by one each time you pass a certain mark during the process.

    Just like the Workout Trainer, the Quit app can be downloaded in the Google Play store.

    Promise yourself

    Let’s face it, New Year’s resolutions are as hard to keep as any other personal challenge we set in front of ourselves, because many times it’s much easier to keep a promise to another person than it is to keep a promise to ourselves.

    And obviously, there’s no guarantee that any of these apps will get you over that resolution hump, but they should provide some assistance while you're  journeying towards an improved you, especially since the help is right at your fingertips on your mobile device or smartphone. 

    This year, my New Year’s resolution is to not make any New Year’s resolutions, because most times they’re never kept and by the time Febr...

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