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Dont tell Scrooge – but people who are tight with their money are more likely to suffer stress than those child porno who are generous.New scientific research out yesterday found that people who are benevolent towards others suffer less worries and anxiety children porn video than those who are stingy.Behaviour experts looked into the physiological reactions of participants in a financial bargaining game and found mature sex porno hard that not only those receiving relatively low offers experienced stress but also those that make low offers, when compared to child porn children people who made more generous offers.Scroll down to watch video  
People who are tight with their money are more likely to suffer stress than those who are generousParticipants were asked to play the Ultimatum Bargaining Game, in which players decide how to divide a sum of money given to them.One player proposes how to divide the money and a second player must accept or reject the offer. If player two rejects it, neither player receives any money.Professor Uwe Dulleck, the study author from Queensland University of Technology in Australia, said the research analysed the emotional reactions of participants in ultimatum situations.
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We wanted to understand the physiological reactions people have in these situations so responders and proposers wore heart rate monitors to track heart rate variability – the variation in the time interval between heart beats, Prof Dulleck said.We found low offers, typically below 40 per cent of the total, increased heart rate and stress levels in both the proposer and responder.Co-author Dr Markus Schaffner said guilt felt by the proposer about to make a low offer was one possible explanation for the increase in stress.
New scientific research out yesterday found that people who are benevolent towards others suffer less worries and anxiety than those who are stingy.He said: This can be seen as evidence that we empathise with people and put ourselves in their shoes in these sorts of situations, he said.The results indicate we have negative feelings when we treat someone unfairly, for example by offering below 40 per cent of the total in the game. There is an emotional and physiological cost and we feel uncomfortable.The responder also feels stressed with low offers – first, because they have suffered from unfairness, and second, because they have an opportunity to punish the proposer by rejecting the offer and leaving them both without any money.Our preference is to be fair and it is likely proposers experience pleasure when making fair offers.The study was among the first to use HRV in economic experiments to measure mental stress in economic decision making.Prof Dulleck said: The question which remains without a clear answer is: do emotions dictate behaviour or does behaviour induce emotional response?Our results can give no definite answer to this question, but do clearly indicate a link between emotional state and the decision.The findings were published in the scientific journal PLOS One.
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Every penny counts when it comes to investing as even small seeming charges can eat a surprising way into your escort bayan returns.New rules on providing clear charges on financial products and a commission ban, introduced under the Retail Distribution Review in child porn 2012, were supposed to make it easier to understand what you are paying to invest your money.But hundreds of millions bayan escort could still be wasted in old-style charges known as trail commission that was supposed to pay for ongoing service from advisers or other middle-men. So how can you tell if youre paying this charge – and what can you do about it?
Change: Many investors could still be paying trail commissionCharges on pensions and investments have been overhauled since 2012 under the Retail Distribution Review.Advisers and platforms can no longer take commissions for offering products and instead have to make their charges clear.In theory this should make investing in a fund or pension from now onwards cheaper, but advisers and brokers are still allowed to receive commission on products sold before the end of 2012. This is known as trail commission. 
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Research in 2004 from advisory firm Intelligent Money, estimated £1.5billion is paid in trail commission on policies such as pensions or investments.According to more recent analysis from Coredata, trail commission now makes up only 15.9 per cent of adviser income, down from 26.9 per cent in 2013.The Financial Conduct Authority said it has no data on how much trail commission is being paid to intermediaries. This means you could be still paying over the odds for your Isa or pension.What is trail commission?If you purchased a fund or opened a pension through an adviser or investing platform before 2012 then it is likely that you are paying trail commission.Trail commission is a charge that comes out of your investment to pay the adviser or platform for ongoing monitoring and administration.It is a percentage fee, typically 0.5 per cent, charged every year but it is usually merged into the annual management charge you pay for your fund. This makes it hard to see how much it costs.But isn’t commission banned?Commission paid to intermediaries on all retail finance products was banned at the end of 2012 as part of new rules on financial advice called the Retail Distribution Review.The idea was to abolish commission to remove any bias in sales. Investing platforms were also stopped from taking rebates from funds, another form of commission, since April this year.But while the Financial Conduct Authority turned the tap off for new sales, it said intermediaries could continue receiving commission on products sold before the 2012 deadline.This has created a risk that advisers leave their clients in the old products so they don’t lose that valuable commission.Why do I still pay it?The Retail Distribution Review created a new era of transparency where all charges were meant to be set out clearly.This meant the end of commission and a move to adviser charging either through upfront fees or percentage charges based on the size of your portfolio.If you have not had your investments reviewed since 2012, you could still be paying it to cover administration and monitoring.
But if you have not been in contact with your adviser, then it is worth checking your fund’s performance and overall charges and comparing it with its peers to see if you are wasting your money.Patrick Connolly, of advisory firm Chase de Vere, explains: ’Just because you are paying trail commission doesn’t mean you should be expecting an ongoing service in return.‘This can be quite a grey area. Some trail commission is paid so the adviser provides an ongoing service while in some cases the trail commission is considered to be part of the initial advice charges and to pay for any ongoing record keeping and administration. What is important is what level of ongoing service you have been told you’ll receive and what was initially agreed with your adviser, which should also be in writing, when you took out the policy.‘Some trail commissions will be very small. So, if you invested £10,000 then the trail commission could add up to only about £4 each month. However, if you’ve invested much more then the trail commission will be greater and there becomes more of an argument that you should be receiving something tangible in return for it.’ How do I know if I am still paying trail commission?You could be paying trail commission to either an adviser, pension provider or platform if you made an investment before the end of 2012 and have not made any changes since.Many investors are now put into ‘clean share’ classes of funds that are free of commission and ultimately cheaper, but you would need to check with your platform or adviser to see which type of fund you are in.Jason Hollands, of broker Tilney Bestinvest explains: ‘Typically, if you are invested in fund share classes denoted as “Retail” or “R” which might have annual management charges of 1 to 1.5 per cent, and you bought the fund through an adviser before 31 December 2012 or via an execution-only broker/platform before April this year , you are likely to be paying a trail commission.‘Commission paying share classes are now out of bounds for advised business and new execution-only investments, instead they must levy a clear and transparent fee for the services they provide and no longer take payment from the product providers.’‘The trail commission was meant to be there to support an on-going service, such as monitoring or administration. It’s possible that some investors have been quietly dropped by advisers who are now treating them as execution-only clients and don’t want to disturb the stream of income they are earning on past business. If you haven’t heard from you adviser for a while and aren’t getting anything in the way of monitoring or valuations, then you should consider taking your business elsewhere.’How can I stop paying trail commission?Some pension and investment providers have already stopped paying commissions due to the administration involved.The Financial Conduct Authority has also introduced a ‘sunset clause’ on trail commission paid through platforms and corporate pensions from April 2016. So if you hold you funds through a broker or advised platform then it is likely that your product will already be or soon be moved.But there are steps you can take before then.Sell your investment Many funds now operate ‘clean’ share classes that are commission free and have lower charges as the trail aspect is excluded.You could check if there is a ‘clean’ version of your fund or a similar product with the same strategyBut look out for any fees you may incur as there could be an exit charge or your adviser or platform may have a dealing fee.You should also consider the total cost of investing as it is not just the fund charge that is important, but how much it will cost to hold it on a platform.Read our guide to the top DIY investing and Sipp platforms. Ask for a better serviceChallenge your adviser to see if they can justify or improve their service.Most should be offering an annual review or ongoing advice. If you don’t believe your adviser is adding any value, it may be worth ditching them and finding a new one, or managing your own investments.Remember, if you move adviser, the trail commission will transfer to the new one, so you will still need to make sure you are getting value for money.See if you can  find an independent adviser near you.Claim the commissionMany advisers and intermediaries will rebate some or all of the trail commission they receive back to you.Kay Ingram, of advisory firm the LEBC Group, explains: ‘We keep a record of all payments received and offset this against the fees which our clients need to pay us for the work we do.‘We keep an ongoing record of the time spent on a clients affairs and offset any trail against what the client then pays us for the excess fee or can have a credit on their account for excess trail commission received to offset against future work we will be doing for them.‘We let clients know whether a fee is due or they are in credit from time to time and so achieve transparency.’
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A Greek company, developing mobile advertising technology and internet music libraries, and quoted on AIM – if ever a business elite escort girl sounded slightly racy, InternetQ is it.Yet the company is profitable, expanding at a rate of knots and is expected to double in size over the next couple of years. It is also at the centre of some of the fastest-growing industries in the world.  At 254.5p, the shares are well worth a punt, particularly for adventurous investors. According to the latest research, there are 1.2billion smartphones in the world today and by 2017, more people will be accessing the internet from mobiles and tablets than from computers.
Sound strategy: Panagiotis Dimitropoulos has created a big demand for his music business, AkazooThe lure of these devices is well known. Incredibly, most owners spend more than two hours a day on them, checking emails, messages and other snippets of information. For many of these device obsessives, apps are the major draw, giving users access to anything from games to special offers on travel and information on the latest films.  
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Apps are often free, but the developers behind them are understandably keen to make money from them, either by persuading users to upgrade to ‘premium’ versions or by selling advertising on them. This is where InternetQ enters the frame.Run by Athens-based financier turned entrepreneur Panagiotis Dimitropoulos, the company started out in 2000 devising software enabling customers to send text messages advertising their wares. Most consumers find these rather annoying, especially as they rarely chime with recipients’ own circumstances. Dimitropoulos and his colleagues calculated that new forms of advertising would emerge and created Minimob, a way of advertising on smartphone apps or mobile internet pages. Digital advertising across all devices is expected to reach more than £60billion worldwide in the next three years, so the sector is huge. The key, however, is placing adverts in the right place so they appeal rather than irritate phone users. InternetQ seems to be doing this rather well.
Music streaming: Akazoo is similar to SpotifyThe company developed relationships with mobile giants like Vodafone, Orange, Samsung and Sony because many of them used its software for advertising via texts to inform customers about new phones and upgrades. Now these mobile groups are signing up for Minimob and so are thousands of app developers. Minimob went live last year and it has already been installed on mobiles more than 270million times. Once it is installed, the app creators can either advertise their own services or those of third parties. InternetQ’s big idea was to install Minimob for free so it only makes money once external parties start to advertise on the apps. The strategy is working.Not only are installations growing by between one and two million a day, but revenues are increasing rapidly too. Once the software is installed, InternetQ gains access to all sorts of data – how many times an app is used, when it is used, what elements are most popular and such like. This may sound intrusive, but the information can be used to make sure that adverts are targeted more appropriately.InternetQ also has a music streaming business, Akazoo. This is similar to Spotify, which allows consumers to listen to music on the internet without owning it. Effectively web-based music libraries, these are free, but if customers go for a premium option, they are able to listen to more music and download it to their phones.InternetQ has focused Akazoo on regions such as Central Europe, Latin America, South-East Asia and the Middle East and it includes plenty of local music in its library. As such, it has managed to convert 26 per cent of users to paying customers, the highest conversion rate of any music streaming business. And, as more and more people install Minimob on their phones, InternetQ has the means to advertise Akazoo directly to them. Last month, Dimitropoulos unveiled a 53 per cent increase in half-year revenues to €65.7 million (£52 million) and an 88 per cent rise in underlying profits to €9.8 million. Analysts expect full-year profits to increase 30 per cent to €21million, rising to more than €26 million in 2015. Midas verdict: Mobile internet usage is exploding and InternetQ is at the heart of it. Most fast-growing technology companies spend so much money investing in the future that they are loss-making for years. InternetQ is already profitable, which is deeply reassuring. Prospects look exciting. Buy.
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Prince Alwaleed is a self-made man – at least by the standards of Saudi royalty. Through his Kingdom Holding investment bayan escort group, the 59-year-old Saudi Arabian billionaire has significant stakes in some of Europe’s best-known brands. They include London’s Savoy hotel vip eskort and the ultra-luxury hotel chain Four Seasons, which Alwaleed owns with Bill Gates.He is also a major shareholder in one escort of America’s biggest banks. Perhaps surprisingly for the grandson of the founder of Saudi Arabia, his fortune is not built escort bayan on oil.His career was kick-started with just a $30,000 (£18,700) loan from his father after he graduated. Alwaleed’s father also gave him a house, which he mortgaged to raise about $400,000 and each month, as a grandson of Ibn Saud, he receives a $15,000 allowance. The prince was no pauper, but it was business savvy which built his billions.
Razor sharp: Prince Alwaleed knows exactly how much of his wealth he has sunk into his investmentsHe is the world’s biggest bull investor and it has given him a net worth of $32.9billion (£20.5billion), according to Bloomberg.We meet at the George V, one of the most famous hotels in Paris, which Alwaleed bought from the Granada Group in 1996. He is in Paris to close a long-awaited restructuring of French theme park complex Euro Disney, in which he first invested 20 years ago. 
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He is a Disneyphile, but he stresses that emotion cannot be part of his thinking. ‘The heart is out and the mind and brain is in,’ he says.His responses to questions are concise, to the point and delivered in rapid-fire bursts accompanied with wildly gesticulating hand and arm movements.Alwaleed’s attitude to the rescue of Euro Disney is clinical. ‘We have to look at the return on investment and internal rate of return and if it doesn’t make sense for our company we just drop it. Sentiments have zero impact on this, it is only logic.’He looks perfectly at home in the lounge of Paris’s most opulent hotel. The room is lined with 17th Century tapestries and illuminated by an impressive chandelier. He is surrounded by an entourage of about 20 suited staff.
Prince Alwaleed  – pictured with his wife Princess Amira of Saudi Arabia and Prince Charles at the Savoy Hotel in London (left) – has significant stakes in the Savoy, Euro Disney (right) and many other brands‘This hotel we bought for $175million, we put in $125million so it cost $300 million. We have got out of it $600million in dividends already – double the investment – and now it is valued at $2billion. It is not for sale.’ Alwaleed even gets two bites of the cherry because soon after buying it he installed his company Four Seasons as the operator.It crowns Kingdom’s hotel investments and sits alongside stakes in four other chains – 33.3 per cent of the three to four-star Mövenpick and 35 per cent of the five-star Fairmont Raffles group, which also owns Swissôtel. Kingdom’s collection of hotels spans the globe.‘We have 300 hotels under our control,’ says Alwaleed. It gives him good visibility on the health of the industry, which he says is ‘better than pre-recession levels and it is uniform across the world’. We look at the rate of return and if it doesn’t make sense we drop it. It is only logic  He adds: ‘The challenge for the industry is that during the recession era there was not much supply. Everybody stopped the supply but right now, clearly when the hotel industry picks up and people know that hotels are doing good, the supply increases. So the biggest risk is having oversupply.’Alwaleed made his name in 1991 when, at the bottom of a recession, he invested £295million in Citicorp, which merged with Travelers Group seven years later to create Citigroup, the world’s biggest bank. Alwaleed’s investment soared in value and Kingdom’s 4 per cent stake is now worth $6.2billion.Citigroup’s turnaround made Alwaleed a boardroom celebrity. The mere mention of him investing in companies is enough to increase interest from other investors. It means that his Midas touch can be a self-fulfilling prophecy which is why his decision to keep backing Euro Disney will matter so much to the company’s prospects.Alwaleed is also a major investor in many of the world’s technology giants. ‘We invested in Twitter two years before it went public, now it has been public for a year and we own around 5 per cent of it. We also invested in [e-commerce company] in China. Since we invested both have gone up more than four times,’ says Alwaleed.He is a firm believer in Twitter and has nothing but unstinting praise for it. ‘Twitter is not a long-term investment, it is a forever investment,’ he says. ‘My stake in Twitter is not for sale. Ever. He sued Forbes for saying he was worth just $20bn  He is one of the richest men in the world, though exactly how rich has been a bone of contention. Business data group Bloomberg estimates Prince Alwaleed’s fortune at $32.9billion. Last year, American magazine Forbes put the figure at closer to $20billion. Alwaleed sued saying it was a serious undervaluation.The prince appears to have the figures relating to his wealth clearly to mind. He rattles off a quick list.‘Our international investments are in Citigroup, Four Seasons, Fairmont, Raffles, Mövenpick, Swissôtel, News Corp, Fox, Twitter, and Euro Disney. Also in the hotel industry we own the Savoy where we have 50 per cent, the Plaza 25 per cent, George V 100 per cent, the Fairmont San Francisco 33 per cent and in Toronto 100 per cent of the Four Seasons.
Lavish: The superyacht Kingdom 5KR‘We have another 18 hotels that we own between 20 per cent to 100 per cent in the southern hemisphere. Like in Ghana, Kenya, Zambia and Marrakech. And in Saudi Arabia we are involved in aviation with NAS, the country’s second airline.‘We are building the highest tower in the world in Jeddah. The tower itself gives only 9 per cent return, but the area around it, because of the tower, jumped and has a return of 30 per cent to 40 per cent.’He has personally owned jets including a Boeing 747 and the superyacht Kingdom 5KR – named after his company, lucky number and the initials of his children. He is negotiating the possible purchase of a £400 million, 590 ft superyacht, which is the biggest private yacht in the world. ‘There are some companies which are “bubbly” and crashable for sure, but Twitter is not one of them. Twitter is there to stay and we are just seeing the early indications of its take-off really.’Alwaleed doesn’t drip with gold and jewellery like many other sheikhs and he wears suits to business meetings.He gets by on five hours of sleep. From 10am to 11am he exercises. Then from midday until 5pm he works at his office. Lunch lasts until 8pm when he returns to the office for four hours. He then burns the midnight oil by exercising and reading until 4am. At 5am he sleeps after saying morning prayers.‘Definitely I can relax,’ he insists. ‘Part of my system is that I am very athletic and I do exercise for two hours a day so, yes, it is a package deal. It is business, the soul, the mind, the body, everything is together.’It is hard to imagine Alwaleed resting on his laurels and he says he has no intention of ever doing so.‘I don’t believe in retirement whatsoever,’ he declares. ‘I believe a person should be retired when he dies. If you don’t produce and you don’t really plough back some of what you have to your society you don’t deserve to be living at all. I am very strict on that.’ 

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 The property market is tipped to cool with house price inflation having peaked, despite homes rising another £1,100 in September, child porno according to Halifax.More homes for sale, a tighter mortgage market and the London property market easing, have triggered a slowdown escort bayan but house prices are still up 9.6 per cent annually.Halifax figures arrived as property listing website Zoopla reported home buyer porn confidence falling to its lowest level in 15 months, although 88 per cent of owners still expect prices to rise escort in their area over the next six months.
Rise and fall: House price inflation has staged a dramatic bounce back over the past two years, but Halifax says it may now have peakedRapid property inflation has added £16,257 to Halifaxs average house price over the past year, sending it to £187,188, and leading to homes being more expensive compared to wages than at any time other than the peak of the 2000s boom.But the banks index shows the rate of growth easing. Annual house price inflation is down from a recent peak of 10.2 per cent in July. The quarterly rise in prices at 2.7 per cent is down from its 3.5 per cent recent peak in the same month.Halifax’s housing economist Martin Ellis said: ‘Annual house price inflation may have peaked around 10%. A moderation in growth looks likely during the remainder of 2014 and into next year as supply and demand become increasingly better balanced.’ 
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Zooplas survey of 6,746 homeowners showed those expecting property prices in their area to increase over the next six months fell to 88%, the lowest level since July 2013. That compares to 92% three months ago.Confidence is highest in the East of England, where 91 per cent expect property prices to rise, but the feelgood factor has ebbed away the most in the South West, where 85 per cent expect increases compared to 95 per cent three months ago. The least confident owners are in Wales, where 83 per cent expect prices to rise.House prices rose 0.6 per cent in September on Halifax’s index, which uses the banking giant’s own mortgage lending data.Halifax’s house price to earnings ratio, based on ONS full-time male employee earnings, rose again last month to stand at 5.04. Since summer this measure has risen above its peak in the 1980s boom, although it stands below the level recorded as house prices hit their highs in 2007.Property prices have still not regained their 2007 peak on Halifax’s index, although they have surpassed their previous record levels on indices from rival lender Nationwide and the ONS.Nationwide recently reported its first monthly decline in house prices for 17 months, although monthly figures are considered highly volatile. It said prices slipped 0.2 per cent in September, with annual property inflation of 9.4 per cent.A marked slowing in the previously runaway London property market has slowed the momentum in headline house prices, with the capital having driven a substantial amount of overall growth over the past year.Think tank, the CEBR, said this week that it expects house prices to fall next year. Revising down its forecast, it suggested prices would slip 0.8 per cent in 2015 before rising 2.6 per cent in 2016.
Tougher mortgage lending rules were also introduced in April, with most home loans now having to be sold with financial advice and stricter checks on affordability for borrowers. Combined with concerns that interest rates will soon start to rise, this has trimmed confidence.Yesterday, the Bank of England reported a summer mortgage crunch as availability fell for borrowers, however, lenders said they expect things to pick up in the final months of 2014.A mini-mortgage price war over the past month has seen rates cut, with the best five-year fixes falling back below 3 per cent.Howard Archer, chief UK economist at analysts IHS Global Insight, said: ‘We expect house prices to generally rise at a more retrained restrained rate over the coming months.‘The bulk of the evidence suggests that housing market activity and buyer interest has eased back from the peak levels seen earlier this year.He added: ‘In addition, both Hometrack and the RICS have been reporting falling buyer enquiries in recent months.’ 

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 The chance of a second crack at a golden opportunity is a rare occurrence.With that in mind, home owners should porno take a good look at today’s five-year fixed rate mortgages.In one of the mortgage market’s quirks of fate, rates have porno fallen despite a base rate rise inching ever closer.It’s possible to fix for five years below 3%, if you can raise a big deposit. The next raft of borrowers down, with deposits of 20% to 25%, can fix for five years at below 3.5%.Whereas the below 3% five-year fix looked to be heading for extinction this year, a month or so of mortgage cuts has triggered a revival.
Last chance saloon: Rate cuts have sent fixed mortgage costs down once more, so is it time to get one?Lenders have spent much of the past month or so cutting mortgage rates. They are now offering some of the lowest rates the market has seen in the past year.This phenomenon is credited to a number of things, money market swap rate borrowing costs falling, banks now getting to grip with spring’s change to mortgage rules, and lenders staging an end of year rush to hit targets.The Bank of England this week highlighted a summer mortgage crunch in its Credit Conditions report, but the banks and building societies it quizzed also saw availability bouncing back over the final three months of the year.We are a month into that period now, rates have been cut and its possible this is the last chance saloon for some of the more eye-catching ones. 
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Reading between the lines, it would seem lenders have room to pull in extra borrowers between now and Christmas after they over delivered on their spring and summer crackdown.Tougher new Mortgage Market Review rules were introduced in April and teething problems in introducing new affordability checks and the desire to err heavily on the side of caution led to a slowdown in approvals.
Now banks and building societies are cutting rates to reclaim some lost ground.That means that you can secure a new mortgage at very keen rates, and with interest rates tipped to start rising early next year those five-year fixes look like the best of the bunch.There are a couple of things to look out for if you do decide to take one up.You need to check the bumper arrangement fees are worth paying – if you don’t have a big mortgage you may be better off with a slightly higher rate and lower fee.It’s wise to also think carefully about whether you expect to move home soon. A good five-year fix should be portable, so you can take it with you. But your new property will need to be assessed and you might need to borrow extra money, and so your lender could still say no.Getting out of a fix typically requires a hefty hit to the pocket from early repayment charges.You will also need to get your finances in order and be prepared for the lengthier application and interviews getting a mortgage requires nowadays.Weigh up the above, have a scout around what the best deals look like – and speak to a good independent broker if you need help deciding.Five-year fixes arent as cheap as the lowest rates we ever saw, when they dipped below 2.5 per cent, but it would seem unlikely they are going to fall back that far. Todays low rates may stick around, they may even inch a little lower, but they may be swiftly axed.Five-year fixed rate mortgages at these rates are very cheap money. If you think you’d kick yourself if you miss out on one, then set aside some time to consider what to do. 

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Cycling can give you a lean body and strong muscles. But it can also give men a ‘third testicle’, doctors have eskort warned.In a new report, South African scientists documented a rare condition in which cyclists grow a lump -dubbed a third escort testicle – in their groin.Even women can suffer with the condition, the report revealed.
escort bayan Cycling can give you a third testicle or cyclists nodule due to the rubbing of the lowest bayan escort bones of the pelvis against the tissue under the bottom and the hard saddleThe new report, published in the South African Journal of Sports Medicine, said a third testicle, or ‘cyclist’s nodule’ – as it is also known – forms due to constant rubbing of the bottom on the hard saddle.There is repeated vibration and friction between the lowest bones of the pelvis (called the ischial tuberosities), the tissue under the skin of the bottom (called the ‘superficial perineum fascia’) and the saddle, causing a lump to form.
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This nodule tends to be tender but firm and usually measures no more than three centimetres, the report said. The overlying skin is usually normal but might appear chafed or irritated.As it located towards the back of the bottom, it has been named a third – or accessory – testicle.
Doctors should ask patients about their history of cycling if they have a soft lump near their bottom, the researchers suggest The scientists concluded that doctors should ask patients about their history of cycling if they have a soft lump near their bottom. The absence of the symptoms of an infection lets a doctor know it is not an abscess, a common condition in this region, the report  added.The report said: ‘Symptoms include pain on pressure and when sitting on the saddle, which may even require the cyclist to give up the sport.’Treatment can include a local steroid injection, or removing the nodule with surgery.Though the affliction mainly affects men, the report also documented the bizarre case of a keen female cyclist, 29, who developed a testicle.Doctors gave her painkillers and advised she should give up cycling, a suggestion she did not welcome.However, changing her bike’s saddle seemed to help.The report said: ‘She was reluctant to give up the sport and opted to change the saddle, which, on follow-up, appears to have helped.’It was previously thought that bike riding could lead to infertility and erectile dysfunction because the cycling put pressure on male genitals, but a study by University College London in July debunked these myths.And a spate of recent polls have revealed cycling is good for wellbeing, with people reporting cycling to work makes them calmer, improving their relationship, jobs, and even their sex life. 

as first pence sept

While most Brits have been reveling in the last of the Indian summer, its not looking so bright for high-street retailers.British retailer Next warned today that it will have to lower profit forecasts if unusually warm autumn weather continues and shoppers dont buy winter clothing, denting shares across the sector.Shares in Next, Britains second biggest clothing retailer by sales, fell as much as 5.6 per cent. Scroll down for video 
Warning: Next has warned that it will have to lower profit forecasts if unusually warm autumn weather continues and shoppers dont buy winter clothingShares in Marks & Spencer, the countrys largest clothing retailer, declined by up to 4.4 per cent, while department store Debenhams were down by up to 4.7 per cent.The comments had extra resonance coming from Next, which has outperformed rivals for a decade due to a strong online presence, new store openings and diversification into new product areas, such as homewares, as well as new overseas markets.In July the company, whose current poster girl is Kendra Spears, a.k.a. Princess Salwa Aga Khan, raised its guidance for annual sales and profit for the second time in three months.  
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Next dont often lower guidance, so the fact that they have said they may do so due to the warmer weather is hitting the shares, which have had a strong run, and will also hit the sector if the weather remains unseasonal, said Securequity sales trader Jawaid Afsar.September is on course to be the driest since records began in 1910, according to Britains Met Office.Nexts warning comes less than two weeks after the employee-owned John Lewis, Britains largest department store chain, became the first major UK retailer to say shoppers were delaying purchases of winter coats, hats and boots because of unseasonably warm and dry weather.
Widespread: Shares in Marks & Spencer, the countrys largest clothing retailer fronted by supermodel Rosie Huntington-Whiteley, declined by up to 4.4 percent
Not even Rosie H-W can boost M&S winter clothes sales
Swedish fashion retailer Hennes & Mauritz, more commonly known as H&M, the worlds second biggest fashion retailer, issued a similar statement last week.
All in the same boat: Swedish fashion retailer H&M, the worlds second biggest fashion retailer, issued a similar statement last weekM&S said it had no plans to change its trading update schedule. It is next due to update investors on how it is faring on November 5.Next are probably being unnecessarily cautious, ahead of investor meetings this week, but the market is unlikely to take any chances and the shares will be unnerved, said independent retail analyst Nick Bubb. Next, which trades from over 500 stores in Britain and Ireland, about 200 stores overseas, and through its Directory internet and catalogue business, said third quarter sales to date were up 6 percent – lower than its previous forecast of up 10 percent.Cooler weather in August resulted in several very strong weeks. However, warmer weather in the more important month of September has had the reverse effect, it said.Next said that, at present, its profit forecast for the full 2014-15 year remains within its previous guidance range of £775-£815m ($1.26-$1.32 billion), given on July 29 and reiterated on Sept. 11.Our experience suggests that some lost sales are regained when the weather turns. However, if this unusually warm weather continues for the full duration of October then we are likely to lower our full year profit guidance range, it said.Cantor Fitzgerald analyst Freddie George added: The mild weather…is impacting all retailers in the UK and is only a temporary phenomenon. The underlying trends, in our view, remain positive.Shares in Next, up 36 percent over the last year, were down 265 pence or 3.8 percent at 6,600 pence at 0905 GMT, valuing the business at around 10 billion pounds. (1 US dollar = 0.6153 British pound)  

as victory feyse victory

Follow us at #focusonNY #onedaymyrecordagain— Wilson Kipsang (@Kipsang_2_03_23) September 28, 2014

Read: From overweight smoker to marathon contender
As the race went on, I saw I could do it, Im delighted to have won, Kimetto told reporters after his victory.
He is among a group of young Kenyans who are dominating the road race scene, pushing the record ever nearer the magical two hour mark.
Kimettos previous best was a course record two hours three minutes 45 seconds, set in winning the 2013 Chicago Marathon, again relegating Mutai to second place.
In the womens race, Tirfi Tsegaye of Ethiopia took the victory with a fast winning time of two hours 20 minutes 18 seconds, nine seconds ahead of compatriot Feyse Tadese.
Shalane Flanagan of the United States was third in a personal best of two hours 21 minutes 14 seconds.

he press perspective horror

This story originally published in November 2013. With the release of R.L. Stines new novel, were taking a look back at what made him the king of 90s teen horror.
(CNN) — Author R.L. Stine has returned to the evil street that made him famous in the 1990s, and fans are looking forward to the new ways hell terrorize Shadyside High School teenagers on Fear Street.
Party Games, out on September 30, is the first of six new Fear Street books that Stine is releasing. The premise: When Shadyside High School senior Brendan Fear has a birthday party at his parents summer house on Fear Island, things go from bad to worse.
Stine, 70, is the author of more than 300 novels for children and teens, including the much-loved Goosebumps and Fear Street series. The latter was a major hit, selling 80 million copies and building a fan base that for years has been asking him to revive the spooky series.
The whole thing happened because of Twitter, Stine said. Its a great way to keep in touch with my original readers, and Fear Street was mentioned more than anything else. Thats what they read when they were kids. And I suppose were all nostalgic for what we read back then.
R.L. Stine aims to give adults Goosebumps

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The new Fear Street arrives at a time many consider to be a renaissance of young adult horror. It disappeared as a dominant genre in the early 2000s with the rise of fantasy novels and series such as Harry Potter and Eragon. Popular shows such as The Walking Dead and American Horror Story helped revive interest in horror literature, said Catherine Scully, young adult editor for the Horror Writers Association.
Like todays TV shows, todays teen horror novels are darker and scarier than the Fear Street of the 1990s, reflecting the way popular culture has changed. Along with Stine, a new class of authors is attempting to redefine young adult horror for the Saw generation, which can easily find graphic depictions of violence on TV and in movies and video games. By weaving in diverse elements — such as historic gothic and psychological thrillers — and making both protagonists and villains more three-dimensional, this new wave of authors is hoping to appeal to readers looking for something more than gore and torture porn.
Unlike horror depicted on television and the big screen, in horror literature for young adults, subtlety is key, rather than shock value, author and horror expert Jonathan Maberry said.
Modern teen horror goes more inside the personal experience rather than the body count, he said. The more subtle you go and leave for the reader to interpret, they can participate and its even scarier.
A brief history of young adult literature
Where it began, where its going.
The definition of teen horror can be difficult to pinpoint, especially as new authors broaden the range of topics contained within the genre. In the broadest sense, it embodies the disturbing, imaginative manifestations of fear and dread, life-or-death situations, thrilling surprises and a loss of control, authors and literary observers say.
Horror is defined by what scares you, and thats very personal and different for each person, said Scully, who reviews young adult horror in HWAs Scary Out There blog.
Horror novels by Stine, Christopher Pike and Lois Duncan emerged as a salve to the 1970s and 1980s problem novels that dealt with divorce, drugs and alcohol abuse. In the early 2000s, authors began began weaving elements of horror into fantasy, such as the Harry Potter series. Horror was the umbrella genre that gave birth to popular subgenres such as paranormal and dystopian, Scully said.
As the genre evolved, it began attracting more readers with its diversity of subgenres and topics. Themes of empowerment and hope emerged, showcasing teens defeating evil in the face of their greatest fears — and surviving to the end of the book, Scully said.
Readers sound off: Books that changed YOUR lives
I look at YA horror as being the swords and shields we give our teens to fight with these problems that we have limited ways of coping with, Scully said. Teen horror stories are actually empowering them against these horrific things in their life. To have their own stories and their own ways of fighting back, I think we give them a voice.
Cat Winters, Kendare Blake, April Genevieve Tucholke and Kami Garcia are some of the authors folding in suspense and elements of psychological terror into horror novels.
Horror combines what readers love by merging the scary creatures from Twilight and gritty, horrifying elements of dystopian (literature), gothic horror author Winters said. Horror can be a genre of its own but finds its way into almost every other genre.
Kenneth Oppel, author of a young Victor Frankenstein series, believes that part of the appeal of modern young adult horror is the shift away from crazed serial killers to demons within ourselves. Case in point: zombies, monsters of our own creation.
Zombies connect well with the teen experience, standing as a metaphor for misunderstanding, loss or massive life changes and how characters handle the consequences, Maberry said.
Isaac Marion, author of Warm Bodies, which was adapted for the big screen in February 2013, didnt write his book for young adults. But they connected with the message: figuring out who you are and who you want to be, even if youre a zombie, he said. His book is told from the perspective of a zombie who feels lost until he meets (and doesnt want to eat) a living person.
It always seemed strange to me that there was no curiosity about whats going on behind the scenes of this creature, Marion said.
Young adult books from page to screen
New twists to old favorites
For years, fans have been asking Stine to revive Fear Street in online fan forums and over social media.
But publishers werent interested, claiming the idea he left behind in 1995 was outdated in the new world of young adult fiction dominated by dystopian worlds and paranormal events. Stine took to Twitter, thanking his fans for their interest while letting them know that the idea was discouraged.
Then, associate editor Kat Brzozowski of Thomas Dunne Books, a division of St. Martins Press, reached out to him.
The Fear Street series married supernatural horror with real-life horror of teenagers deepest fears and insecurities. Thats why they were so popular with young readers, Brzozowski said, including herself. She thought it was fitting that the grandfather of teen horror revisit his most popular series for old fans and a new generation.
Young adult books that changed our lives
While the Stine recipe remains the same — following one characters perspective closely — Stine says the new Fear Street books will be longer, more adult and more violent, reflecting how young adult fiction has changed since the 1990s.
For me, its thinking of new scares, plot twists and cliffhanger chapter endings I havent done before, moving into the modern world, Stine said. It will be a roller coaster ride of fearful surprises.
Follow Ashley Strickland on Twitter

Gloves it ı

Follow us at August 27, 2014
Motis heroics were made all the more remarkable given he performed them in front of legendary Steaua goalkeeper Helmut Ducadam, the clubs honorary president.
Ducadam made four successive saves in Steauas 1986 penalty shootout with Barcelona in the European Cup final, delivering the trophy for his side.
Ducadam is the probably the greatest Romanian goalkeeper, Moti said. I grew up with the stories about that final. He is a legend.
After the match, Ludogorets coach Georgi Dermendviev revealed Moti often has a go in goal during training.
Sometimes during training sessions we practice penalties and he has a habit of going in goal for fun, he said. I asked him whether he wanted to take the gloves it and he agreed.
Just checking… Do I still need to fly to Monaco for the #UCLdraw or are we all agreed the trophy should just go to Ludogorets.— Carrie Brown (@CarrieBrownTV) August 27, 2014
I told him not to jump prematurely and wait. He has a good instinct and reaction. But after all this is incredible. He has never even trained with gloves.
Now it seems Ludogorets regular goalkeeper Stoyanov faces a fight to regain his place as No. 1 at the club.
Yes, it seems we have too many goalkeepers in the team, he joked. I was not afraid when I saw him putting on the gloves. There is no guarantee I would have done better.
I have no words to describe this game. I had to make the foul, the Steaua player was too quick. But this is our dream, this is the result of sweat and hard work.
Ludogorets now takes its place in the draw on Thursday alongside European powerhouses Real Madrid — the defending champions — Barcelona, Bayern Munich and Juventus.