The Facts About Bisphenol A, BPA #bpa, #bisphenol #a, #bpa-free, #bpa #risks,


The Facts About Bisphenol A

In 2008, the possible health risks of Bisphenol A (BPA) — a common chemical in plastic — made headlines. Parents were alarmed, pediatricians flooded with questions, and stores quickly sold-out of BPA-free bottles and sippy cups.

Where do things stand now? Have plastic manufacturers changed their practices? How careful does a parent need to be when it comes to plastics and BPA? Here’s the latest information we have about possible BPA risks.

BPA Basics

BPA is a chemical that has been used to harden plastics for more than 40 years. It’s everywhere. It’s in medical devices, compact discs, dental sealants, water bottles, the lining of canned foods and drinks, and many other products.

More than 90% of us have BPA in our bodies right now. We get most of it by eating foods that have been in containers made with BPA. It’s also possible to pick up BPA through air, dust, and water.

BPA was common in baby bottles. sippy cups, baby formula cans, and other products for babies and young children. Controversy changed that. Now, the six major companies that make baby bottles and cups for infants have stopped using BPA in the products they sell in the U.S. Many manufacturers of infant formula have stopped using BPA in their cans, as well.

According to the U.S. Department of Health, toys generally don’t contain BPA. While the hard outer shields of some pacifiers do have BPA, the nipple that the baby sucks on does not.

BPA Risks

What does BPA do to us? We still don’t really know, since we don’t have definitive studies of its effects in people yet. The U.S. Food and Drug Administration used to say that BPA was safe. But in 2010 the agency altered its position. The FDA maintains that studies using standardized toxicity tests have shown BPA to be safe at the current low levels of human exposure. But based on other evidence — largely from animal studies — the FDA expressed “some concern” about the potential effects of BPA on the brain. behavior, and prostate glands in fetuses, infants, and young children.


How could BPA affect the body? Here are some areas of concern.

  • Hormone levels. Some experts believe that BPA could theoretically act like a hormone in the body, disrupting normal hormone levels and development in fetuses, babies, and children. Animal studies have had mixed results.
  • Brain and behavior problems. After a review of the evidence, the National Toxicology Program at the FDA expressed concern about BPA’s possible effects on the brain and behavior of infants and young children.
  • Cancer . Some animal studies have shown a possible link between BPA exposure and a later increased risk of cancer .
  • Heart problems. Two studies have found that adults with the highest levels of BPA in their bodies seem to have a higher incidence of heart problems. However, the higher incidence could be unrelated to BPA.
  • Other conditions. Some experts have looked into a connection between BPA exposure and many conditions — obesity. diabetes. ADHD. and others. The evidence isn’t strong enough to show a link.
  • Increased risk to children. Some studies suggest that possible effects from BPA could be most pronounced in infants and young children. Their bodies are still developing and they are less efficient at eliminating substances from their systems.

Although this list of possible BPA risks is frightening, keep in mind that nothing has been established. The concern about BPA risks stems primarily from studies in animals.

A few studies in people have found a correlation between BPA and a higher incidence of certain health problems, but no direct evidence that BPA caused the problem. Other studies contradict some of these results. Some experts doubt that BPA poses a health risk at the doses most people are exposed to.

BPA: Governmental Action

The federal government is now funding new research into BPA risks. We don’t know the results of these studies yet. Recommendations about BPA could change in the next few years.

For now, there are no restrictions on the use of BPA in products. The Food and Drug Administration does recommend taking “reasonable steps” to reduce human exposure to BPA in the food supply. The FDA has also expressed support for manufacturers who have stopped using BPA in products for babies and for companies working to develop alternatives to the BPA in canned foods.

A number of states have taken action. Connecticut, Maryland, Minnesota, Washington, Wisconsin, and Vermont have laws restricting or banning the sale of certain products containing BPA, like bottles and sippy cups. So have cities like Chicago and Albany, as well as a few counties in New York. Similar laws are likely to pass in New York and California, and state legislatures are considering restrictions in many other states.


BPA Risks: What Can Parents Do?

Although the evidence is not certain, the FDA does recommend taking precautions against BPA exposure.

Trying to eliminate BPA from your child’s life is probably impossible. But limiting your child’s exposure — and your own — is possible. It doesn’t even have to be hard. Here are some tips on how to do it.

  • Find products that are BPA-free. It isn’t as hard as it once was. Many brands of bottles, sippy cups, and other tableware prominently advertise that they are BPA-free.
  • Look for infant formula that is BPA-free. Many brands no longer contain BPA in the can. If a brand does have BPA in the lining, some experts recommend powdered formula over liquid. Liquid is more likely to absorb BPA from the lining.
  • Choose non-plastic containers for food. Containers made of glass, porcelain, or stainless steel do not contain BPA.
  • Do not heat plastic that could contain BPA. Never use plastic in the microwave, since heat can cause BPA to leach out. For the same reason, never pour boiling water into a plastic bottle when making formula. Hand-wash plastic bottles, cups, and plates.
  • Throw out any plastic products — like bottles or sippy cups — that are chipped or cracked. They can harbor germs. If they also have BPA, it’s more likely to leach into food.
  • Use fewer canned foods and more fresh or frozen. Many canned foods still contain BPA in their linings.
  • Avoid plastics with a 3 or a 7 recycle code on the bottom. These plastics might contain BPA. Other types of numbered plastic are much less likely to have BPA in them.

WebMD Medical Reference Reviewed by Dan Brennan, MD on December 22, 2015


Harvey Karp, MD, pediatrician, author of The Happiest Baby on the Block and The Happiest Toddler on the Block; assistant professor of pediatrics, UCLA School of Medicine.

American Nurses Association.

Centers for Disease Control and Prevention.

Environmental Working Group.

Food and Drug Administration.

George Mason University’s Statistical Assessment Service (STATS.)

Healthy Child Healthy World.

National Institute of Environmental Health Sciences.

Ryan, B. Toxicological Sciences. March 2010.

Sharpe, R. Toxicological Sciences. March 2010.

U.S. Department of Health and Human Services.

© 2015 WebMD, LLC. All rights reserved.

Cloud Computing Security Training, Certification – Institute of Information Security, Mumbai(India) #cloud



Cloud computing is the use of hardware and software resources that are delivered as a service typically over the Internet. It entrusts remote services with user’s data, software and computation.

Although there are numerous business advantages and opportunities offered by cloud computing in terms of improved availability, scalability, flexibility etc. it is important to tap its business potential carefully. Securing the client data in the “cloud” must be the prime concern for the cloud service provider. Legal concerns over jurisdiction of client data in “cloud” needs to be addressed properly. This is because the stored data may not reside with service provider in its own data center or at a single location.

In this course, we shall first discuss the characteristics of cloud computing and later on focus specifically on cloud security’s best practices taking reference from industry standards like NIST, OWASP, Cloud Security Alliance etc. We then look into the broad set of policies, technologies, and controls deployed to protect client data, applications and infrastructure associated with cloud computing.

Who should attend?

  • Business Owners
  • Entrepreneurs
  • Senior Managers
  • Cloud solution providers
  • Business Analysts
  • Developers
  • Compliance managers
  • Security Enthusiasts

Course Contents

Session One: Cloud Knowledge Foundation
  • Introduction to cloud
  • History of Cloud Computing
  • Architectural Overview
  • Security Architecture
  • Terms & Terminologies
  • Cloud Deployment Types
    • Public Cloud
    • Private Cloud
    • Hybrid Cloud
    • Community Cloud
  • Service Model Types
    • Software As Service
    • Platform As Service
    • Infrastructure As Service
  • Some Real-world Cloud scenarios – Case Studies
Session Two: Knowing Cloud Vendors – Demos

Finance Your Bariatric Surgery – Online Application #finance #surgery,patient #financing,finance #gastric #bypass,finance


Patient Financing for Gastric Bypass Surgery

Our patient financing offers you a full range of payment plans. Our 3, 6, 12, 18 month No Interest* payment plans feature monthly payments as low as 3% of the balance and let you pay within the specified time without incurring interest charges. Simply make your minimum monthly payment and pay off your entire balance during the agreed upon time period, and you’ll pay no interest.

For patients/clients with higher treatment fees who would prefer more time to pay with lower monthly payments, our 24, 36, 48, 60 month extended payment plans* offer a low, fixed 11.9% interest rate and an extended term.

We offer a variety of affordable financing programs through your doctors office with flexible payment options and low monthly payments. With available loan amounts from $1000 to $25,000 we have a loan program for every budget, even for those with less then perfect credit.

Key benefits of our patient financing programs:

  • Fixed rates starting as low as 5.9%
  • Interest Rebate programs for up to 12 months
  • Fixed low monthly payments
  • Terms from 12 months to 84 months
  • No prepayment penalty
  • Bad credit financing available with a Co-Applicant
  • Easy application form with quick approval decisions

Please enter your height and weight

  • What does it cost?

    Thank you for inquiring about this surgery

    In many cases your insurance will cover all/most of the cost of this surgery.

    If you want to pay cash, the cost can be as low as $10,000
    **cost varies region to region

    Another good reason to have surgery is that our patients have told us that weight loss surgery can reduce your monthly food bill as much as 50% or more

    What is your average monthly food bill?

  • Bond coupon #hsbc #bonds, #bonds, #what #are #bonds, #wide #range #of #bonds,



    Discover a gateway to earning steady returns among our wide range of bonds. Investors who are looking for regular and stable interest income can find suitable options according to their risk profiles and needs.

    What are bonds?

    Bonds are issued by governments, companies and other bodies seeking to raise capital from the public. When you purchase bonds, you are essentially lending money to the bond issuer. Therefore, you are likely to receive a steady stream of coupon payments (also known as interest payments) at periodic intervals throughout the tenure of the bond. The amount you receive each time is expressed as a percentage of the face value of the bond. At the end of the bond’s tenure (when the bond reaches maturity), you would be paid 100 percent of the bond’s face value. For bonds that do not offer coupon payments (zero-coupon bonds), they are priced at a discounted rate from their face value. When the bond reaches maturity, you will receive the face value of the bond, along with the accumulated interest.

    Do note that a bond’s yield is dependent on the credit quality of the bond issuer. The top quality bonds are usually issued by the government, followed by bonds from government-linked companies, banks and corporations. However, you should also take the country’s economic stature and stability into consideration. For example, an emerging market government bond may not necessarily be safer than a well-rated corporate bond.

    Why invest in bonds?

    Stable interest income

    Bonds provide investors with regular and stable interest income in return for funds provided to the issuer.

    Bond prices can change and may provide investors with a capital gain.This can be caused by changes in the market interest rate and the credit reputation of the issuer.

    Currency exchange gain

    Investors may enjoy a gain if the currency the bonds are purchased in appreciates.

    Types of bonds offered by HSBC

    We offer a variety of bonds to serve different needs, investment strategies and risk profiles. This is also useful for diversifying a portfolio as different types of bonds will respond differently to each market cycle.

    Like any other investment, bonds may be affected by conditions such as market fluctuations, inflation and exchange rate movements.

    Interest rate risk

    The coupon rate of a bond may be fixed or floating, and the coupon rates of new bonds being issued can have an effect on the value of current bonds. It is important to note that the interest rate risk increases proportionately with the length of bond maturity.

    Inflation risk

    Investment-grade bonds may offer lower coupon rates as they carry lower risk. As coupon rates are fixed, income from the bond is affected by inflation over time, with greater inflation risks over a longer term.

    Currency risk

    Exchange rate movements may cause changes in returns for bonds that are denominated in foreign currencies.

    Risk of issuer default

    If an issuer fails to make income and principal repayments due to financial difficulties, bondholders run the risk of losing their capital. Default risks tend to be higher for corporate bonds, although governments can also default.

    Key considerations

    Bonds offer different coupon rates, risks, payout and maturity options. It is important to choose one that best matches your investment objectives and risk profile.

    Coupon rate

    Income from bonds can be fixed or floating, and the payments may be made periodically or at maturity. Most debt securities carry a coupon rate that is fixed as a percentage of the principal amount, with investors receiving payments quarterly, semi-annually or annually.

    Credit quality

    Assessed by credit rating agencies, credit quality reflects the abiity of a bond issuer to repay its debts. Investment-grade bonds have ratings from AAA to BBB, and usually offer lower coupon rates because default risk is lower. Higher coupon rates are usually offered with lower credit quality.


    A bond reaches maturity at the specific future date when the investor’s principal will be repaid. A greater length of time to maturity is usually proportional with a higher coupon rate.


    Bond prices are influenced by coupon rate, maturity, credit quality and interest rate movements. Bond prices tend to rise when interest rates are low and vice versa. Bonds can be sold at a premium when market price is above face value, and at a discount when traded below face value.

    Time of investment

    Bonds are mainly for medium to long-term investment. Investors should be prepared to commit for the full investment tenor as part or all of the investment could be lost if sold before maturity.

    This document is provided for information only and is not intended as an offer to buy or sell securities. Opinions and estimates expressed are subject to change without notice and HSBC expressly disclaims any and all liability for representation or warranties, expressed or implied, contained herein or for omissions. As this document is circulated to all clients, the specific investment objectives, personal situation and particular needs of any specific person have not been taken into consideration. HSBC does not but may from time to time have an interest in the securities and may hold long or short positions for its own account or those of its clients.
    The price of bonds can and does fluctuate, and any individual bond may experience upward or downward movements, and may even become valueless. There is an inherent risk that losses may be incurred rather than profit made as a result of buying and selling bonds. The holder of the bonds bears the credit risk of the issuer and has no recourse to HSBC unless the latter is the issuer itself. The decision to place the investment should be based on your own judgement without relying on any material provided or advice given by the bank or its representative.

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    Managing and Growing Wealth

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    What types of bond are available through HSBC?

    Bonds from HSBC can be categorised by:

    • Types of issuers – corporate bonds, supranational bonds and government/quasi-government bonds
    • Coupon – fixed rate bonds, floating rate bonds and zero-coupon bonds
    • Credit quality – investment grade bonds
    • Currency – USD, AUD, CAD, CNH, EUR, GBP, NZD and SGD

    HSBC offers you a wide selection of investment grade bonds with tenors ranging from 1 to 30 years.

    Do I need a large sum of money to invest in bonds?

    HSBC lets you invest in a wide range of bonds with a minimum investment amount of SGD200,000++.

    ++ Please note the minimum and incremental investment amount varies from bond to bond. Please consult us for more details.
    Call us on 1800-HSBC NOW (4722 669) in Singapore or (65) 6-HSBC NOW (4722 669) from overseas.

    Do I have to hold bonds until maturity?

    No. You can sell your bond before it matures and benefit from capital appreciation if the selling price is higher than the original buying price. Under normal market circumstances, HSBC will repurchase bonds bought through us at the prevailing market price. However, the buying price offered by HSBC may differ from the original selling price due to changes in market conditions. There are no exit fees if you choose to sell your bond before maturity


    Assume you purchase a 5-year bond at a face value (the principal) of $10,000 and a specified annual rate (coupon rate) of 6%.

    You will receive $600 (6% of the principal) per year for five years. Upon maturity, you will get your principal of $10,000 back.