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Monday, June 24, 2013
Saturday, June 22, 2013
10 States That are Maxxed Out on Credit Cards - Mint
Even if you make your payments on time every month, you can still damage your credit score in a major way by using too much of the credit available to you.
The credit utilization ratio, a measure of your total revolving credit balance divided by your total revolving credit limits, makes up roughly 30% of your credit score, which means it?s no small part of what lenders look at when considering what interest rate and terms to give you on your mortgage, car loan or other credit cards.
If you want to see where your utilization stands in comparison to the national averages, you can use the free Credit Report Card.
We decided to use data from the Experian-Oliver Wyman Market Intelligence Reports and Experian?s IntelliView tool to examine which parts of the U.S. are closest to their credit limits.
[Related Article: Can you Really Get Your Credit Score for Free?]
We took the average bankcard balance per consumer in each state and divided it by the average bankcard limit in each state for the first quarter of 2013, the most recent data available.
To be fair, these states aren?t maxxed out on their credit cards, but they may be doing damage to their scores nevertheless.
?In most scoring models, the credit utilization ratio represents approximately 30% of your credit score. That makes it a critical issue, but most people aren?t exactly clear as to what it is,? says Credit.com Co-Founder and Chairman Adam Levin.
He adds, ?Though there isn?t an exact code, the rule of thumb is that consumers who use less than 10% of their available credit tend to be those with the highest credit scores.?
All 50 states had a credit utilization ratio that was above the recommended 10% or less, and the states with the highest ratios all fell between the 20% and 30% range, meaning many residents may be damaging their credit by putting too much on their plastic.
[Related Article: 7 Money Habits That Can Make or Break You]
Alan Ikemura, Senior Product Manager of Experian Decision Sciences, says the good news is that bankcard utilization ratios are generally on the decline.
?We?re actually seeing the utilization ratio going down overall,? he says. ?Except for the deep subprime groups, which had an average utilization ratio of 80.9% in 2012 and 81.7% in 2013.?
It?s not uncommon for subprime groups to have high utilization ratios, Ikemura says.
Many of these groups are close to being tapped out on their credit lines, which is a signal to lenders that they are a riskier borrower than those with lower utilization ratios.
[Related Article: How to Pay Off a Mountain of Credit Card Debt]
Here are the top 10 states with the highest bankcard utilization ratios.
10. Louisiana
Average Balance: $3,503
Average Limit: $16,257
Average Utilization: 21.55%
Louisiana comes in last on our list, with a decently low average balance per consumer. The Bayou state could benefit from asking their credit card issuers to up their limits though ? a tactic that can lower your utilization without forcing you to cut spending.
9. Texas
Average Balance: $4,072
Average Limit: $18,857
Average Utilization: 21.59%
The saying goes that ?everything?s bigger in Texas? and that must be true of the state?s credit cards too, as the Lone Star state has the highest average limit of all of the states on our list. The high credit limit doesn?t mean that Texans aren?t spending though, as they also have the third highest balance.
8. South Carolina
Average Balance: $3,786
Average Limit: $17,351
Average Utilization: 21.82%
7. Oklahoma
Average Balance: $3,579
Average Limit: $16,396
Average Utilization: 21.83%
6. Arkansas
Average Balance: $3,469
Average Limit: $15,751
Average Utilization: 22.02%
Arkansas takes the prize for lowest average balance of any state that made our list. Perhaps residents of the Natural state could use a new credit card, which can add to their overall limit and decrease their utilization ratio.
5. Nevada
Average Balance: $3,999
Average Limit: $18,047
Average Utilization: 22.16%
4. Alabama
Average Balance: $3,618
Average Limit: $16,085
Average Utilization: 22.49%
3. Georgia
Average Balance: $4,246
Average Limit: $18,520
Average Utilization: 22.93%
Though Texas took the highest average limit of all the states on our list, Georgia wasn?t far behind. The state could try to skim more money off their monthly expenses to cut their utilization ratio.
2. Mississippi
Average Balance: $3,384
Average Limit: $14,644
Average Utilization: 23.11%
Though this state comes in second in our rankings, its residents aren?t charging more dollars, on average, than any other state on our list. The high utilization ratio in Mississippi is due primarily to the fact that its average limit per consumer is very low.
1. Alaska
Average Balance: $4,563
Average Limit: $16,453
Average Utilization: 27.73%
While all of the other states in our rankings stayed below a 25% utilization ratio, Alaska broke that barrier.
This should come as no surprise to those who pay attention to Alaskans? personal finances. The 49th state has recently topped lists of the highest credit card balances and highest revolving account debt.
Note: The U.S. territories were excluded from this ranking.
Source: http://www.mint.com/blog/credit/10-states-that-are-maxxed-out-on-credit-cards-0613/
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Windows 8 Music update brings in-app searching, login-free trial ...
Windows 8 has built-in search tools for apps, but a tweak in the June update to Xbox Music is making that feature more accessible. The media player now lets you search for songs on both your PC and Xbox Music through an in-app button. If you don't have any local tunes, you won't have to sign in to start listening -- Music now lets you stream 15 tracks through Xbox Music's ad-supported free tier without using an account. While other bug fixes and UI enhancements are minor in nature, what's here is enough to justify a trip to the Windows Store for the new version.
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Snowden's return to US could be legal battle
The front cover of a local magazine shows Edward Snowden, a former CIA employee who leaked top-secret documents about sweeping U.S. surveillance programs, in Hong Kong Saturday, June 22, 2013. Hong Kong was silent Saturday on whether the former National Security Agency contractor should be extradited to the United States now that he has been charged with espionage, but some legislators said the decision should be up to the Chinese government. (AP Photo/Kin Cheung)
The front cover of a local magazine shows Edward Snowden, a former CIA employee who leaked top-secret documents about sweeping U.S. surveillance programs, in Hong Kong Saturday, June 22, 2013. Hong Kong was silent Saturday on whether the former National Security Agency contractor should be extradited to the United States now that he has been charged with espionage, but some legislators said the decision should be up to the Chinese government. (AP Photo/Kin Cheung)
This photo provided by The Guardian Newspaper in London shows Edward Snowden, who worked as a contract employee at the National Security Agency, in Hong Kong, Sunday, June 9, 2013. The man who told the world about the U.S. government?s gigantic data grab also talked a lot about himself. Mostly through his own words, a picture of Edward Snowden is emerging: fresh-faced computer whiz, high school and Army dropout, independent thinker, trustee of official secrets. And leaker on the lam. (AP Photo/The Guardian) MANDATORY CREDIT
A security guard stands in front of the Police headquarters in Hong Kong Saturday, June 22, 2013. Former National Security Agency contractor Edward Snowden, believed to be holed up in Hong Kong, has admitted providing information to the news media about two highly classified NSA surveillance programs. It is not known if the U.S. government has made a formal extradition request to Hong Kong, and the Hong Kong government had no immediate reaction to the charges against Snowden. Police Commissioner Andy Tsang, when was asked about the development, told reporters only that the case would be dealt with according to the law. (AP Photo/Kin Cheung)
David Medine, chairman of the Privacy and Civil Liberties Oversight Board, is seen in front of the White House in Washington, Friday, June 21, 2013. President Barack Obama held his first meeting Friday with the board in the White House Situation Room. (AP Photo/Pablo Martinez Monsivais)
WASHINGTON (AP) ? The criminal case against Edward Snowden could turn into a prolonged legal battle before the former contractor who says he revealed two highly classified surveillance programs ever appears in a U.S. courtroom to answer espionage charges.
A formal extradition request to bring Snowden to the United States from Hong Kong could drag through appeal courts for years and would pit Beijing against Washington at a time China tries to deflect U.S. accusations that it carries out extensive surveillance on American government and commercial operations.
The U.S. has contacted authorities in Hong Kong to seek Snowden's extradition, the spokeswoman for the National Security Council, Caitlin Hayden, said Saturday in a statement. She referred questions about the details of the request to the Justice Department. The NSC advises the president on national security.
The Hong Kong government had no immediate reaction to the charges against Snowden, a former National Security Agency contractor who admitted providing information to the news media about the programs. Police Commissioner Andy Tsang told reporters only that the case would be dealt with according to the law. A police statement said it was "inappropriate" for the police to comment on the case.
A one-page criminal complaint against Snowden was unsealed Friday in federal court in Alexandria, Va., part of the Eastern District of Virginia where his former employer, government contractor Booz Allen Hamilton, is headquartered, in McLean. He is charged with unauthorized communication of national defense information, willful communication of classified communications intelligence information and theft of government property. The first two are under the Espionage Act and each of the three crimes carries a maximum sentence of 10 years in prison on conviction.
The complaint is dated June 14, five days after Snowden's name first surfaced as the person who had leaked to the news media that the NSA, in two highly classified surveillance programs, gathered telephone and Internet records to ferret out terror plots.
Snowden told the South China Morning Post in an interview published Saturday on its website that he hoped to stay in the autonomous region of China because he has faith in "the courts and people of Hong Kong to decide my fate."
A prominent former politician in Hong Kong, Martin Lee, the founding chairman of the Democratic Party, said he doubted whether Beijing would intervene yet.
"Beijing would only intervene according to my understanding at the last stage. If the magistrate said there is enough to extradite, then Mr. Snowden can then appeal," he said.
Lee said Beijing could then decide at the end of the appeal process if it wanted Snowden extradited or not.
If formal extradition is pursued, Snowden could contest it on grounds of political persecution.
Hong Kong lawyer Mark Sutherland said that the filing of a refugee, torture or inhuman punishment claim acts as an automatic bar on any extradition proceedings until those claims can be assessed.
"Some asylum seekers came to Hong Kong 10 years ago and still haven't had their protection claims assessed," Sutherland said.
Hong Kong lawmakers said that the Chinese government should make the final decision on whether Snowden should be extradited to the United States.
Outspoken legislator Leung Kwok-hung said Beijing should instruct Hong Kong to protect Snowden from extradition before his case gets dragged through the court system.
Leung urged the people of Hong Kong to "take to the streets to protect Snowden."
The Obama administration has now used the Espionage Act in seven criminal cases in an unprecedented effort to stem leaks. In one of them, Army Pfc. Bradley Manning acknowledged he sent more than 700,000 battlefield reports, diplomatic cables and other materials to the anti-secrecy website WikiLeaks. His military trial is underway.
Sen. Bill Nelson, D-Fla., a member of the Senate Armed Services Committee, welcomed the charges against Snowden.
"I've always thought this was a treasonous act," he said in a statement. "I hope Hong Kong's government will take him into custody and extradite him to the U.S."
But the Government Accountability Project, a whistle-blower advocacy group, said Snowden should be shielded from prosecution by whistle-blower protection laws.
"He disclosed information about a secret program that he reasonably believed to be illegal, and his actions alone brought about the long-overdue national debate about the proper balance between privacy and civil liberties, on the one hand, and national security on the other," the group said in a statement.
Michael di Pretoro, a retired 30-year veteran with the FBI who served from 1990 to 1994 as the legal liaison officer at the American consulate in Hong Kong, said "relations between U.S. and Hong Kong law enforcement personnel are historically quite good."
"In my time, I felt the degree of cooperation was outstanding to the extent that I almost felt I was in an FBI field office," di Pretoro said.
The U.S. and Hong Kong have a standing agreement on the surrender of fugitives. However, Snowden's appeal rights could drag out any extradition proceeding.
The success or failure of any extradition proceeding depends on what the suspect is charged with under U.S. law and how it corresponds to Hong Kong law under the treaty. In order for Hong Kong officials to honor the extradition request, they have to have some applicable statute under their law that corresponds with a violation of U.S. law.
Disclosure of the criminal complaint came as President Barack Obama held his first meeting with a privacy and civil liberties board and as his intelligence chief sought ways to help Americans understand more about sweeping government surveillance efforts exposed by Snowden.
The five members of the little-known Privacy and Civil Liberties Oversight Board met with Obama for an hour in the White House Situation Room, questioning the president on the two NSA programs that have stoked controversy.
One program collects billions of U.S. phone records. The second gathers audio, video, email, photographic and Internet search usage of foreign nationals overseas, and probably some Americans in the process, who use major Internet service providers, such as Microsoft, Google, Apple, and Yahoo.
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Friday, June 21, 2013
Walter Tucker ready for two sports with Miami Hurricanes
Most high school graduates hope their parents buy them a car, a vacation getaway or throw them a party for their 18th birthday.
?My birthday gift was signing with UM,? said Walter Tucker, a nationally acclaimed track star from Plantation American Heritage School who put his signature on a football scholarship on June?10, a day after he turned 18.
?Me and [Heritage football coach and former Hurricane Mike] Rumph always talked about me going to UM and it being a good fit. He was talking about how UM used to be in the 1980s, 1990s. Players would hit people so hard and dance on the field. That?s me, kind of how I play. Rough mentality. But I show good sportsmanship, too.?
Tucker, the last of 21 players to sign with the Hurricanes as part of the 2013 recruiting class, is one of four players who will begin taking classes next week when the second session of the summer term begins. The others, according to a UM spokesman: Quarterback Kevin Olsen from Wayne Hills, N.J., running back Gus Edwards from Staten Island, N.Y., and two-sport star Cornelius Elder from Nashville.
UM has 11 other members of the class already enrolled in school: tight ends Beau Sandland and Standish Dobard; defensive backs Artie Burns and Jamal Carter; linebackers Jermaine Grace and Alex Figueroa; offensive linemen Alex Gall, Hunter Knighton and Sunny Odogwu; athlete Ray Lewis III; and graduate school punter Pat O?Donnell.
According to UM, defensive end Alquadin Muhammad, receiver Stacy Coley and athlete Ryheem Lockley remain possibilities to begin classes next week but could defer enrollment until the fall.
Tucker, the least heralded of the group on the football field, comes with an array of achievements on the track. He?s a two-time state champion in the 110-meter hurdles, a state runner-up in the 300-meter hurdles and one of the state?s best discus throwers. His father, Walter Tucker II, was an NCAA national champion who excelled in the 400 and came within a pulled hamstring of qualifying for the 1984 U.S. Olympic team.
So why does UM coach Al Golden want the younger Tucker (6-0, 205 pounds) to play linebacker for him?
?Because they see the potential in him,? said Rumph, who played on the 2001 national title team at UM and coached Tucker as the school?s defensive coordinator the past two years.
?When I look at him I see Herschel Walker. The problem for Walker was he never really played one position in high school. We had him at running back, linebacker and defensive end. Walter is a bright kid, has good football knowledge. [UM linebackers coach] Micheal Barrow is one of the best coaches in the game, and I know he is going to coach him up well. Walter is just raw. He?s going to smack anything moving, run down anything. But you have to sit there and teach him the concepts.?
Before running backs coach Hurlie Brown and Golden decided to offer him a football scholarship, the only scholarship offer Tucker said he had was a partial track deal (43 percent paid) to Clemson. UM coaches, Tucker said, wanted him to sign a track scholarship with the Hurricanes in February and walk on for football.
But once Gionni Paul and Eddie Johnson were booted from the team this spring, things changed. Tucker said Rumph made UM?s coaches sit down and watch his football highlight tape at Heritage, where, during his senior year, he ran for 343 yards and five touchdowns on 36 carries as a backup to five-star standout Sony Michel, and racked up 33 tackles and two pass deflections as the team?s starting weak-side linebacker.
Tucker said some urging from longtime friends Burns and Coley, whom he has known through track and football since early in his youth, also helped his cause with Miami.
?Coach Hurlie called my dad and set up the meeting,? Tucker recalled. ?I dressed up nice. We were talking in his office when Coach Golden came in. He said, ?We want you to play at the University of Miami, what would you say?? I told him, ?This is one of my dream schools; of course I would love to be at Miami.???
Although he will come in as a linebacker, there is a possibility Tucker eventually could switch back to running back. Rumph said he has the intangibles to do either. Tucker said he recently bench-pressed 225 pounds (the NFL testing standard) 18 times and was clocked in the 40-yard dash as a sophomore at 4.39 seconds. He recently ran the 100-meter dash in 10.4 seconds and posted the eighth-fastest hurdles time for a high school runner in the country (13.83 seconds).
Tucker said UM ? unlike other schools that also were recruiting him ? has no problem with him participating in two sports. Tucker said he bumped into former Florida Gators running back Jeff Demps last fall at a track meet and asked him about the challenge of doing that in college. Tucker said he came away confident he could do both.
?If anybody can handle two sports in college, it?s Walter,? Rumph said. ?Four years from now, we?re either going to be talking about him being in the NFL or in the Olympics.?
Source: http://www.miamiherald.com/2013/06/20/3460575/walter-tucker-ready-for-two-sports.html
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ESPN Lost Signal As Bill Simmons Mentions 'The Decision' After Heat Win Title, Conspicuously (VIDEO)
Dwyane Wade , Gabrielle Union
The Miami Heat's Dwyane Wade celebrated with his girlfriend Gabrielle Union after Game 7 of the NBA basketball championship against the San Antonio Spurs, Friday, June 21, 2013, in Miami. The Miami Heat defeated the San Antonio Spurs 95-88 to win their second straight NBA championship. (AP Photo/Wilfredo Lee)
San Antonio Spurs v Miami Heat - Game 7
MIAMI, FL - JUNE 20: Chris Andersen #11 of the Miami Heat celebrates after defeating the San Antonio Spurs 95-88 to win Game Seven of the 2013 NBA Finals at AmericanAirlines Arena on June 20, 2013 in Miami, Florida. NOTE TO USER: User expressly acknowledges and agrees that, by downloading and or using this photograph, User is consenting to the terms and conditions of the Getty Images License Agreement. (Photo by Kevin C. Cox/Getty Images)
LeBron James
The Miami Heat's LeBron James (6) celebrates in the locker room after Game 7 of the NBA basketball championship against the San Antonio Spurs, Friday, June 21, 2013, in Miami. The Miami Heat defeated the San Antonio Spurs 95-88 to win their second straight NBA championship. (AP Photo/Wilfredo Lee)
BKN-NBA-FINALS-SPURS-HEAT-GAME 7
Dwyane Wade of the Miami Heat enjoys a cigar in the team locker room after Game 7 of the NBA Finals at the American Airlines Arena June 20, 2013 in Miami, Florida. The Miami Heat beat the San Antonio Spurs 95-88 to win the 2013 NBA Championship. AFP PHOTO / Brendan SMIALOWSKI (Photo credit should read BRENDAN SMIALOWSKI/AFP/Getty Images)
The Miami Heat's Ray Allen celebrates after Game 7 of the NBA basketball championship against the San Antonio Spurs, Friday, June 21, 2013, in Miami. The Miami Heat defeated the San Antonio Spurs 95-88 to win their second straight NBA championship. (AP Photo/Wilfredo Lee)
San Antonio Spurs v Miami Heat - Game 7
MIAMI, FL - JUNE 20: Mario Chalmers #15 of the Miami Heat celebrates as he answers questions after defeating the San Antonio Spurs 95-88 to win Game Seven of the 2013 NBA Finals at AmericanAirlines Arena on June 20, 2013 in Miami, Florida. NOTE TO USER: User expressly acknowledges and agrees that, by downloading and or using this photograph, User is consenting to the terms and conditions of the Getty Images License Agreement. (Photo by Kevin C. Cox/Getty Images)
San Antonio Spurs v Miami Heat - Game 7
MIAMI, FL - JUNE 20: LeBron James #6 of the Miami Heat celebrates with Carolina Panthers quarterback Cam Newton after defeating the San Antonio Spurs 95-88 to win Game Seven of the 2013 NBA Finals at AmericanAirlines Arena on June 20, 2013 in Miami, Florida. NOTE TO USER: User expressly acknowledges and agrees that, by downloading and or using this photograph, User is consenting to the terms and conditions of the Getty Images License Agreement. (Photo by Kevin C. Cox/Getty Images)
San Antonio Spurs v Miami Heat - Game 7
MIAMI, FL - JUNE 20: LeBron James #6 of the Miami Heat celebrates with fans after defeating the San Antonio Spurs 95-88 to win Game Seven of the 2013 NBA Finals at AmericanAirlines Arena on June 20, 2013 in Miami, Florida. NOTE TO USER: User expressly acknowledges and agrees that, by downloading and or using this photograph, User is consenting to the terms and conditions of the Getty Images License Agreement. (Photo by Kevin C. Cox/Getty Images)
San Antonio Spurs v Miami Heat - Game 7
MIAMI, FL - JUNE 20: LeBron James #6 of the Miami Heat celebrates after defeating the San Antonio Spurs 95-88 to win Game Seven of the 2013 NBA Finals at AmericanAirlines Arena on June 20, 2013 in Miami, Florida. NOTE TO USER: User expressly acknowledges and agrees that, by downloading and or using this photograph, User is consenting to the terms and conditions of the Getty Images License Agreement. (Photo by Kevin C. Cox/Getty Images)
San Antonio Spurs v Miami Heat - Game 7
MIAMI, FL - JUNE 20: LeBron James #6 of the Miami Heat celebrates with fans after defeating the San Antonio Spurs 95-88 to win Game Seven of the 2013 NBA Finals at AmericanAirlines Arena on June 20, 2013 in Miami, Florida. NOTE TO USER: User expressly acknowledges and agrees that, by downloading and or using this photograph, User is consenting to the terms and conditions of the Getty Images License Agreement. (Photo by Kevin C. Cox/Getty Images)
LeBron James
The Miami Heat's LeBron James (6) celebrates in the locker room after Game 7 of the NBA basketball championship against the San Antonio Spurs, Friday, June 21, 2013, in Miami. The Miami Heat defeated the San Antonio Spurs 95-88 to win their second straight NBA championship. (AP Photo/Wilfredo Lee)
Chris Andersen
Miami Heat's Chris Andersen reacts after Game 7 of the NBA basketball championships, Friday, June 21, 2013, in Miami. The Miami Heat defeated the San Antonio Spurs 95-88 to win their second straight NBA championship. (AP Photo/Wilfredo Lee)
LeBron James
Miami Heat's LeBron James reacts after Game 7 of the NBA basketball championships, Friday, June 21, 2013, in Miami. The Miami Heat defeated the San Antonio Spurs 95-88 to win their second straight NBA championship. (AP Photo/Wilfredo Lee)
BKN-NBA-FINALS-SPURS-HEAT-GAME 7
LeBron James of the Miami Heat celebrates winning Game 7 of the NBA Finals at the American Airlines Arena June 20, 2013 in Miami, Florida. The Miami Heat, led by NBA Most Valuable Player LeBron James, won the NBA Finals for the second consecutive year by defeating the San Antonio Spurs 95-88 in game seven of the championship series. AFP PHOTO / Brendan SMIALOWSKI (Photo credit should read BRENDAN SMIALOWSKI/AFP/Getty Images)
BKN-NBA-FINALS-SPURS-HEAT-GAME 7
LeBron James (L) and Dwyane Wade (R) of the Miami Heat celebrate winning Game 7 of the NBA Finals over the San Antonio Spurs at the American Airlines Arena June 20, 2013 in Miami, Florida. The Miami Heat, led by NBA Most Valuable Player LeBron James (2nd-L), won the NBA Finals for the second consecutive year by defeating the San Antonio Spurs 95-88 in game seven of the championship series. AFP PHOTO / Brendan SMIALOWSKI (Photo credit should read BRENDAN SMIALOWSKI/AFP/Getty Images)
BKN-NBA-FINALS-SPURS-HEAT-GAME 7
The Miami Heat and staff celebrate winning Game 7 of the NBA Finals over the San Antonio Spurs at the American Airlines Arena June 20, 2013 in Miami, Florida. The Miami Heat, led by NBA Most Valuable Player LeBron James (2nd-L), won the NBA Finals for the second consecutive year by defeating the San Antonio Spurs 95-88 in game seven of the championship series. AFP PHOTO / Brendan SMIALOWSKI (Photo credit should read BRENDAN SMIALOWSKI/AFP/Getty Images)
BKN-NBA-FINALS-SPURS-HEAT-GAME 7
The Miami Heat celebrate winning Game 7 of the NBA Finals at the American Airlines Arena June 20, 2013 in Miami, Florida. The Miami Heat, led by NBA Most Valuable Player LeBron James (2nd-L), won the NBA Finals for the second consecutive year by defeating the San Antonio Spurs 95-88 in game seven of the championship series. AFP PHOTO / Brendan SMIALOWSKI (Photo credit should read BRENDAN SMIALOWSKI/AFP/Getty Images)
BKN-NBA-FINALS-SPURS-HEAT-GAME 7
Dwyane Wade (L), LeBron James (C) and Chris Bosh (R) of the Miami Heat celebrate winning Game 7 of the NBA Finals at the American Airlines Arena June 20, 2013 in Miami, Florida. The Miami Heat, led by NBA Most Valuable Player LeBron James, won the NBA Finals for the second consecutive year by defeating the San Antonio Spurs 95-88 in game seven of the championship series. AFP PHOTO / Brendan SMIALOWSKI (Photo credit should read BRENDAN SMIALOWSKI/AFP/Getty Images)
BKN-NBA-FINALS-SPURS-HEAT-GAME 7
LeBron James of the Miami Heat celebrates winning Game 7 of the NBA Finals at the American Airlines Arena June 20, 2013 in Miami, Florida. The Miami Heat, led by NBA Most Valuable Player LeBron James, won the NBA Finals for the second consecutive year by defeating the San Antonio Spurs 95-88 in game seven of the championship series. AFP PHOTO / Brendan SMIALOWSKI (Photo credit should read BRENDAN SMIALOWSKI/AFP/Getty Images)
BKN-NBA-FINALS-SPURS-HEAT-GAME 7
The Miami Heat and staff celebrate winning Game 7 of the NBA Finals over the San Antonio Spurs at the American Airlines Arena June 20, 2013 in Miami, Florida. The Miami Heat, led by NBA Most Valuable Player LeBron James (2nd-L), won the NBA Finals for the second consecutive year by defeating the San Antonio Spurs 95-88 in game seven of the championship series. AFP PHOTO / Brendan SMIALOWSKI (Photo credit should read BRENDAN SMIALOWSKI/AFP/Getty Images)
BKN-NBA-FINALS-SPURS-HEAT-GAME 7
The Miami Heat and staff celebrate winning Game 7 of the NBA Finals over the San Antonio Spurs at the American Airlines Arena June 20, 2013 in Miami, Florida. The Miami Heat, led by NBA Most Valuable Player LeBron James (2nd-L), won the NBA Finals for the second consecutive year by defeating the San Antonio Spurs 95-88 in game seven of the championship series. AFP PHOTO / Brendan SMIALOWSKI (Photo credit should read BRENDAN SMIALOWSKI/AFP/Getty Images)
Chris Bosh
The Miami Heat's Chris Bosh (1) celebrates after the second half in Game 7 of the NBA basketball championship against the San Antonio Spurs, Friday, June 21, 2013, in Miami. The Miami Heat defeated the San Antonio Spurs 95-88 to win their second straight NBA championship.(AP Photo/Steve Mitchell, Pool)
Miami Heat's Chris Bosh (1) celebrates after winning Game 7 of the NBA basketball championships against the San Antonio Spurs Friday, June 21, 2013, in Miami. The 95-88 win is Miami's second straight NBA championship.(AP Photo/Steve Mitchell, Pool)
Pat Riley, David Fizdale, Erik Spoelstra
From left, Miami Heat president Pat Riley, assistant coach David Fizdale, and head coach Erik Spoelstra celebrate after Game 7 of the NBA basketball championships, Friday, June 21, 2013, in Miami. The Miami Heat defeated the San Antonio Spurs 95-88 to win their second straight NBA championship.(AP Photo/Wilfredo Lee)
Pat Riley,,David Fizdale ,LeBron James
Miami Heat president Pat Riley, left, and Miami Heat assistant coach David Fizdale greet LeBron James (6) after Game 7 of the NBA basketball championship, Friday, June 21, 2013, in Miami. The Miami Heat defeated the San Antonio Spurs 95-88 to win their second straight NBA championship. (AP Photo/Wilfredo Lee)
Pat Riley, David Fizdale, Erik Spoelstra
From left, Miami Heat president Pat Riley, assistant coach David Fizdale, and head coach Erik Spoelstra celebrate after Game 7 of the NBA basketball championships, Friday, June 21, 2013, in Miami. The Miami Heat defeated the San Antonio Spurs 95-88 to win their second straight NBA championship.(AP Photo/Wilfredo Lee)
The Miami Heat's LeBron James holds the the Larry O'Brien NBA Championship Trophy after Game 7 of the NBA basketball championship against the San Antonio Spurs, Friday, June 21, 2013, in Miami. The Miami Heat defeated the San Antonio Spurs 95-88 to win their second straight NBA championship. (AP Photo/Lynne Sladky
LeBron James, Bill Russell
The Miami Heat's LeBron James, left, holding the Larry O'Brien NBA Championship Trophy is given the Bill Russell NBA Finals Most Valuable Player Award, by Former NBA player Bill Russell after Game 7 of the NBA basketball championship against the San Antonio Spurs, Friday, June 21, 2013, in Miami. The Miami Heat defeated the San Antonio Spurs 95-88 to win their second straight NBA championship. (AP Photo/Lynne Sladky
LeBron James, Bill Russell
The Miami Heat's LeBron James, left, holds the Larry O'Brien NBA Championship Trophy and the Bill Russell NBA Finals Most Valuable Player Award, as former NBA player Bill Russell, right looks on after Game 7 of the NBA basketball championship against the San Antonio Spurs, Friday, June 21, 2013, in Miami. The Miami Heat defeated the San Antonio Spurs 95-88 to win their second straight NBA championship. (AP Photo/Lynne Sladky
The Miami Heat celebrate after defeating the San Antonio Spurs 95-88 to win their second straight NBA championship after Game 7 of the NBA basketball championships, Friday, June 21, 2013, in Miami. (AP Photo/Lynne Sladky)
Mario Chalmers, Chris Bosh, Dwyane Wade
From left, Miami Heat players Mario Chalmers, Chris Bosh, and Dwyane Wade celebrate after defeating the San Antonio Spurs 95-88 to win their second straight NBA championship after Game 7 of the NBA basketball championships, Friday, June 21, 2013, in Miami. (AP Photo/Wilfredo Lee)
The Miami Heat's LeBron James, Dwyane Wade and Mike Miller, from left, celebrate after Game 7 of the NBA basketball championship against the San Antonio Spurs, Friday, June 21, 2013, in Miami. The Miami Heat defeated the San Antonio Spurs 95-88 to win their second straight NBA championship. (AP Photo/Wilfredo Lee)
The Miami Heat celebrate after defeating the San Antonio Spurs 95-88 to win their second straight NBA championship after Game 7 of the NBA basketball championships, Friday, June 21, 2013, in Miami. (AP Photo/Lynne Sladky)
Norris Cole
Norris Cole carries the trophy during the after Game 7 of the NBA basketball championships, Friday, June 21, 2013, in Miami. The Miami Heat defeated the San Antonio Spurs 95-88 to win their second straight NBA championship. (AP Photo/Wilfredo Lee)
Miami Heat fans celebrate the Championship after the Heat's win against the San Antonio Spurs after the Game 7 of the NBA final basketball series in Miami on Friday, June 21, 2013.. The Heat beat the San Antonio Spurs 88-95 to win to their second straight title. (AP Photo/Javier Galeano)
BKN-NBA-FINALS-SPURS-HEAT-GAME 7
LeBron James of the Miami Heat speaks with reporters after Game 7 of the NBA Finals at the American Airlines Arena June 20, 2013 in Miami, Florida. The Miami Heat beat the San Antonio Spurs 95-88 to become the 2013 NBA champions. AFP PHOTO/Brendan SMIALOWSKI (Photo credit should read BRENDAN SMIALOWSKI/AFP/Getty Images)
BKN-NBA-FINALS-SPURS-HEAT-GAME 7
LeBron James of the Miami Heat speaks with reporters after Game 7 of the NBA Finals at the American Airlines Arena June 20, 2013 in Miami, Florida. The Miami Heat beat the San Antonio Spurs 95-88 to become the 2013 NBA champions. AFP PHOTO/Brendan SMIALOWSKI (Photo credit should read BRENDAN SMIALOWSKI/AFP/Getty Images)
BKN-NBA-FINALS-SPURS-HEAT-GAME 7
The Miami Herald headlining the Miami Heat's victory over the San Antonio Spurs is displayed at the American Airlines Arena following Game 7 of the NBA Finals June 20, 2013 in Miami, Florida. The Miami Heat, led by NBA Most Valuable Player LeBron James (2nd-L), won the NBA Finals for the second consecutive year by defeating the San Antonio Spurs 95-88 in game seven of the championship series. AFP PHOTO / Brendan SMIALOWSKI (Photo credit should read BRENDAN SMIALOWSKI/AFP/Getty Images)
Micky Arison
Miami Heat owner Micky Arison speaks to the media after Game 7 of the NBA basketball championship game against the San Antonio Spurs, Friday, June 21, 2013, in Miami. The Miami Heat defeated the San Antonio Spurs 95-88 to win their second straight NBA championship. (AP Photo/Wilfredo Lee)
BKN-NBA-FINALS-SPURS-HEAT-GAME 7
Dwyane Wade of the Miami Heat speaks to reporters after Game 7 of the NBA Finals at the American Airlines Arena June 20, 2013 in Miami, Florida. The Miami Heat beat the San Antonio Spurs 95-88 to win the 2013 NBA Championship. AFP PHOTO/Brendan SMIALOWSKI (Photo credit should read BRENDAN SMIALOWSKI/AFP/Getty Images)
BKN-NBA-FINALS-SPURS-HEAT-GAME 7
Dwyane Wade of the Miami Heat speaks to reporters after Game 7 of the NBA Finals at the American Airlines Arena June 20, 2013 in Miami, Florida. The Miami Heat beat the San Antonio Spurs 95-88 to win the 2013 NBA Championship. AFP PHOTO/Brendan SMIALOWSKI (Photo credit should read BRENDAN SMIALOWSKI/AFP/Getty Images)
San Antonio Spurs v Miami Heat - Game 7
MIAMI, FL - JUNE 20: Shane Battier #31 of the Miami Heat celebrates after defeating the San Antonio Spurs 95-88 to win Game Seven of the 2013 NBA Finals at AmericanAirlines Arena on June 20, 2013 in Miami, Florida. NOTE TO USER: User expressly acknowledges and agrees that, by downloading and or using this photograph, User is consenting to the terms and conditions of the Getty Images License Agreement. (Photo by Mike Ehrmann/Getty Images)
San Antonio Spurs v Miami Heat - Game 7
MIAMI, FL - JUNE 20: Dwyane Wade #3 of the Miami Heat hugs teammate Shane Battier #31 after defeating the San Antonio Spurs 95-88 to win Game Seven of the 2013 NBA Finals at AmericanAirlines Arena on June 20, 2013 in Miami, Florida. NOTE TO USER: User expressly acknowledges and agrees that, by downloading and or using this photograph, User is consenting to the terms and conditions of the Getty Images License Agreement. (Photo by Kevin C. Cox/Getty Images)
Pat Riley, , Erik Spoelstra
Miami Heat President Pat Riley, right, and head coach Erik Spoelstra celebrate the team's second NBA championship, Friday morning, June 21, 2013, in Miami. The Miami Heat defeated the San Antonio Spurs 95-88 to win their second straight NBA championship. (AP Photo/Wilfredo Lee)
Source: http://www.huffingtonpost.com/2013/06/21/espn-bill-simmons-the-decision-lebron-heat_n_3476387.html
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Study on fragile newborns challenges current practices
June 20, 2013 ? One of the largest clinical trials done in infants with congenital (present at birth) heart diseases, published in the New England Journal of Medicine, shows that the increasingly common practice of using the drug clopidogrel (Plavix?) to reduce shunt-related blood flow issues is not effective in the dose studied.
"Once again, pediatric-specific research shows that newborns and infants are not little adults," said David Wessel, MD, Chief Medical Officer, Children's National Medical Center, and lead author on the international study published in the June 20, 2013 issue of the New England Journal of Medicine. "The take away message for pediatric cardiac care providers is to reconsider use of Plavix? in certain cases. In pediatric medicine, the assumption is that smaller doses of a drug that works in adults will work in infants, but our study shows that this is not true for these young patients. For the parents of these fragile newborns, it is important to understand that research informs best practices, and they need to be informed advocates for their children."
The objective of this international trial, which included more than 900 patients seen across 134 centers in 33 countries, was to evaluate the efficacy of Plavix? compared with placebo for the reduction of all-cause mortality and shunt-related morbidity in neonates and infants with cyanotic congenital heart disease palliated with systemic-to-pulmonary artery shunts. Many forms of congenital heart disease can be repaired in early infancy, and pulmonary blood flow with shunts is an important consideration during initial treatment that may include reconstructive heart surgery for defects in heart ventricles.
As the authors note, effective prevention for thrombosis (blood clots) in neonates and infants with these heart conditions had not been previously tested, although aspirin treatment was associated with significantly lower risk of mortality and shunt thrombosis in a separate registry developed before this trial. Preventive treatment in adult patients who develop clots in coronary arteries often combines aspirin and Plavix?. As happens with many drugs approved for use in adults, Plavix? use is spreading into pediatric practice without sound evidence, according to study authors. In fact, they continue, use of this drug has increased 15-fold from 2001 to 2009 in children's hospitals in the US.
This study showed no benefit from adding Plavix? to current treatment, which often includes aspirin. As noted in the study, the use of Plavix? to address thrombosis in newborns and infants being palliated with systemic-to-pulmonary artery shunts does not reduce all-cause mortality or shunt-related morbidity.
Further analysis (not part of the original trial design) supports the notion that aspirin alone may be effective at reducing the risk of clot formation in these infants. The study authors point out that the trial suggests that switching from aspirin alone to Plavix? alone at the dose studied is not a good idea.
"This is a good illustration of the successful collaboration between industry and academia to conduct clinical research in children under the written request process of FDA's Best Pharmaceuticals for Children Act (BPCA), noted Edward Connor, MD, MBE, Director of Innovation Development at Children's National and internationally recognized expert on drug development. "Studies of drugs in children are essential to inform child health care providers regarding safety and efficacy in this population. The need for data in newborns is especially important, given known developmental differences in this population compared to adults."
With the enactment of the Pediatric Provisions of the Food and Drug Administration Safety and Innovation Act (FDASIA) in 2012, BPCA and the Pediatric Research Equity Act have become permanent, providing both requirements and incentives for the conduct of clinical trials in children. FDASIA recognizes the value of conducting studies in the neonates and enables FDA to add personnel with expertise in newborns. Incentives to manufacturers include patent extensions if a trial is properly designed, executed, and approved by the FDA.
Worldwide, heart defects are the most common congenital birth defect; tens of thousands of children are born with heart defects each year, and many of these defects can be treated with medications or with procedures, including reconstructive surgery or interventional catheterization.
The Clopidogrel to Lower Arterial Thrombotic Risk in Neonates and Infants Trial (CLARINET) was a double-blinded, randomized, placebo-controlled, parallel group, event driven trial. The study was sponsored by a collaboration between Sanofi-Aventis and Bristol-Myers Squibb.
Source: http://feeds.sciencedaily.com/~r/sciencedaily/top_news/top_health/~3/mSCSydLf-go/130620142940.htm
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