For the next 7 days challenge yourself to complete 100 push-ups each day. The push-ups can be divided up over the period of a day.?Push-ups are perfect for toning and tightening the entire upper body?here?s how:
1) ?Flex tricep muscles as you return to the starting postion 2) ?Keep abs & glutes tight throughout the movement 3) ?Squeeze shoulder blades together as you return to the starting position
I?ve included several variations so everyone can complete the challenge, regardless of fitness level.
We?ve bundled our most popular ebooks to make them affordable for everyone. Now you too can Transform your body with these easy to follow programs designed for all fitness levels.
Review the videos below to find your favorite push-ups?be sure to challenge yourself!
Use a desk or kitchen counter top
Military push-up
Spartan Push-up
Knee Push-up
Exercise and health are matters that vary from person to person. Participants of the daily workout should speak with their doctors about their individual needs before starting any exercise program. This Web site is not intended as a substitute for the medical advice and supervision of your personal physician. Any application of the recommendations set forth in the following pages is at the viewer?s discretion and sole risk. See your physician before beginning any exercise program. This is especially important if your family has a history of heart disease, high blood pressure, high cholesterol, diabetes, arthritis, obesity, cigarette smoking, or other health conditions. If you have any doubts whatsoever, consult your physician.
Contact: Dr. Christian Herbst christian.herbst@univie.ac.at University of Vienna
Science: The physics of making very low sounds
Elephants can communicate using very low frequency sounds, with pitches below the range of human hearing. These low-frequency sounds, termed "infrasounds", can travel several kilometers, and provide elephants with a "private" communication channel that plays an important role in elephants' complex social life. Their frequencies are as low as the lowest notes of a pipe organ.
Although the sounds themselves have been studied for many years, it has remained unclear exactly how elephant infrasounds are made. One possibility, favored by some scientists, is that the elephants tense and relax the muscles in their larynx (or "voice box") for each pulse of sound. This mechanism, similar to cats purring, can produce sounds as low in pitch as desired, but the sounds produced are generally not very powerful.
The other possibility is that elephant infrasounds are produced like human speech or singing, but because the elephant larynx is so large, they are extremely low in frequency. Human humming is produced by vibrations of the vocal folds (also called "vocal cords"), which are set into vibration by a stream of air from the lungs, and don't require periodic muscle activity. By this hypothesis, elephant infrasounds result simply from very long vocal folds slapping together at a low rate, and don't require any periodic tensing of the laryngeal muscles.
To find out, researchers at the University of Vienna, led by voice scientist Christian Herbst and elephant communication expert Angela Stoeger, removed the larynx from an elephant (which died of natural causes), and brought it into the larynx laboratory of the Department of Cognitive Biology (headed by Tecumseh Fitch). By blowing a controlled stream of warm, humid air through the larynx (substituting for the elephants lungs), and manually placing the vocal folds into the "vocal" position, the scientists coaxed the vocal folds into periodic, low-frequency vibrations that match infrasounds in all details.
Since there can be no periodic tensing and relaxing of vocal fold muscles without a connection to the elephant's brain, low-frequency vibrations in the excised larynx clearly demonstrate that the "purring" mechanism is unnecessary to explain infrasounds. Thus, elephants "sing" using the same physical principles as we do, but their immense larynx produces very low notes.
As an additional insight, the scientists were able to get a very clear look at some fascinating types of vibration called "nonlinear phenomena". When a baby cries, or a heavy metal singer screams, the vocal folds vibrate in an irregular manner, which is very grating to our ears. Young elephants also scream and roar, and the mechanism they use is again identical to that seen in humans.
This research shows that the physical principles underlying the human voice extend over a remarkable range, from bat's incredibly high vocalizations (too high for us to hear), all the way down to elephants' subaudible infrasounds. How whales, the largest animals, make their even lower frequency sounds remains to be determined.
###
Publication in "Science"
How low can you go Physical Production Mechanism of Elephant Infrasonic Vocalisation: Christian T. Herbst, Angela S. Stoeger, Roland Frey, Jrg Lohscheller, Ingo R. Titze, Michaela Gumpenberger, W. Tecumseh Fitch (Science 2012).
DOI: 10.1126/science.1219712
Scientific contacts
Dr. Christian Herbst
Department of Cognitive Biology
University of Vienna
1090 Vienna, Althanstrae 14
M +43-664-602 77-761 22
christian.herbst@univie.ac.at
Dr. Angela Stoeger
Department of Cognitive Biology
University of Vienna
1090 Vienna, Althanstrae 14
M +43-676-7837326
angela.stoeger-horwath@univie.ac.at
(Dr. Stoeger will be in South Africa studying elephants but is available for comment by phone)
Press contact
Alexandra Frey
Press Office of the University of Vienna
Research and teaching
1010 Vienna, Dr.-Karl-Lueger-Ring 1
T +43-1-4277-175 33
M +43-664-602 77-175 33
alexandra.frey@univie.ac.at
[ | E-mail | Share ]
?
AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.
Contact: Dr. Christian Herbst christian.herbst@univie.ac.at University of Vienna
Science: The physics of making very low sounds
Elephants can communicate using very low frequency sounds, with pitches below the range of human hearing. These low-frequency sounds, termed "infrasounds", can travel several kilometers, and provide elephants with a "private" communication channel that plays an important role in elephants' complex social life. Their frequencies are as low as the lowest notes of a pipe organ.
Although the sounds themselves have been studied for many years, it has remained unclear exactly how elephant infrasounds are made. One possibility, favored by some scientists, is that the elephants tense and relax the muscles in their larynx (or "voice box") for each pulse of sound. This mechanism, similar to cats purring, can produce sounds as low in pitch as desired, but the sounds produced are generally not very powerful.
The other possibility is that elephant infrasounds are produced like human speech or singing, but because the elephant larynx is so large, they are extremely low in frequency. Human humming is produced by vibrations of the vocal folds (also called "vocal cords"), which are set into vibration by a stream of air from the lungs, and don't require periodic muscle activity. By this hypothesis, elephant infrasounds result simply from very long vocal folds slapping together at a low rate, and don't require any periodic tensing of the laryngeal muscles.
To find out, researchers at the University of Vienna, led by voice scientist Christian Herbst and elephant communication expert Angela Stoeger, removed the larynx from an elephant (which died of natural causes), and brought it into the larynx laboratory of the Department of Cognitive Biology (headed by Tecumseh Fitch). By blowing a controlled stream of warm, humid air through the larynx (substituting for the elephants lungs), and manually placing the vocal folds into the "vocal" position, the scientists coaxed the vocal folds into periodic, low-frequency vibrations that match infrasounds in all details.
Since there can be no periodic tensing and relaxing of vocal fold muscles without a connection to the elephant's brain, low-frequency vibrations in the excised larynx clearly demonstrate that the "purring" mechanism is unnecessary to explain infrasounds. Thus, elephants "sing" using the same physical principles as we do, but their immense larynx produces very low notes.
As an additional insight, the scientists were able to get a very clear look at some fascinating types of vibration called "nonlinear phenomena". When a baby cries, or a heavy metal singer screams, the vocal folds vibrate in an irregular manner, which is very grating to our ears. Young elephants also scream and roar, and the mechanism they use is again identical to that seen in humans.
This research shows that the physical principles underlying the human voice extend over a remarkable range, from bat's incredibly high vocalizations (too high for us to hear), all the way down to elephants' subaudible infrasounds. How whales, the largest animals, make their even lower frequency sounds remains to be determined.
###
Publication in "Science"
How low can you go Physical Production Mechanism of Elephant Infrasonic Vocalisation: Christian T. Herbst, Angela S. Stoeger, Roland Frey, Jrg Lohscheller, Ingo R. Titze, Michaela Gumpenberger, W. Tecumseh Fitch (Science 2012).
DOI: 10.1126/science.1219712
Scientific contacts
Dr. Christian Herbst
Department of Cognitive Biology
University of Vienna
1090 Vienna, Althanstrae 14
M +43-664-602 77-761 22
christian.herbst@univie.ac.at
Dr. Angela Stoeger
Department of Cognitive Biology
University of Vienna
1090 Vienna, Althanstrae 14
M +43-676-7837326
angela.stoeger-horwath@univie.ac.at
(Dr. Stoeger will be in South Africa studying elephants but is available for comment by phone)
Press contact
Alexandra Frey
Press Office of the University of Vienna
Research and teaching
1010 Vienna, Dr.-Karl-Lueger-Ring 1
T +43-1-4277-175 33
M +43-664-602 77-175 33
alexandra.frey@univie.ac.at
[ | E-mail | Share ]
?
AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.
WASHINGTON (AP) ? The government's consumer finance watchdog is investigating deals that transferred billions in premiums charged to mortgage borrowers from mortgage-insurance companies to the banks that made the loans.
The deals amounted to kickbacks, because the banks pressured insurers into them in exchange for a share of the banks' mortgage-insurance business, according to civil lawsuits filed by borrowers and legal experts.
The Consumer Financial Protection Bureau has served subpoenas to American International Group Inc., MGIC Investment Corp. Genworth Financial Inc. and Radian Group Inc., the companies said in public filings this week. The CFPB asked for documents and answers to written questions about captive mortgage reinsurance deals, they said.
The companies did not respond to requests for comment Friday.
Mortgage borrowers whose down payments are less than 20 percent typically must buy private mortgage insurance that protects the bank in case they default. Because mortgage insurers charge roughly the same rates, borrowers generally choose an insurer recommended by their lender.
Lenders routinely steered borrowers to their preferred mortgage insurers, said Mike Calhoun, who was the lead attorney on a class-action suit about the practices in the early 2000s. In return, the insurers shared their premiums with the lender by buying reinsurance from a company owned by the lender at vastly inflated rates.
"It's just a grossly overpriced reinsurance that is many times more expensive than what arms-length reinsurance costs in the general market," said Calhoun, who now is president of the Center for Responsible Lending, a consumer advocacy group. Banks were typically insulated from any real possibility of loss on the reinsurance, he said.
Mortgage insurers called their payments to banks reinsurance because it is illegal to pay fees or kickbacks in exchange for referrals of business related to mortgages, under a law called the Real Estate Settlement Procedures Act, or RESPA.
Creating costly reinsurance and splitting the borrowers' fees and premiums was "primarily a way to get around the RESPA referral fee situation," Calhoun said.
Reinsurance usually is used by insurance companies to transfer some of their potential risk to another company. In these cases, they claimed that the risk was transferred in exchange for a reasonable fee. But several civil lawsuits filed by borrowers argued that the risk was not truly transferred and the fees were merely a way to attract business from banks.
The mortgage insurers didn't necessarily want to transfer that risk, because that meant sharing the premiums and fees collected from borrowers.
"The mortgage insurers were bullied into this," said Guy Cecala, publisher of Inside Mortgage Finance, a trade publication. "The lenders would say, 'Hey, if you don't take this, we won't even give you any business.'"
The reinsurance deals unfairly add to people's monthly payments while offering them no direct benefit, said Adam Levitin, an authority on consumer finance and a visiting professor at Harvard Law School.
"There really isn't any insurance here, it's just cash going around in a loop," he said. "It's really as if you're paying a higher mortgage rate."
The CFPB's subpoenas, called Civil Investigative Demands, mean that its enforcement division has launched a preliminary probe of the matter. The investigation could result civil charges against the companies, or might be resolved without any formal action.
A spokeswoman for the CFPB said the agency does not comment on, confirm or deny activities by its enforcement team.
The companies already had responded to similar inquiries about mortgage reinsurance from the Department of Housing and Urban Development's inspector general, they said in their filings. The HUD probe was transferred to the CFPB after it took over enforcement of the law that allegedly was violated.
AIG said in its filing that the CFPB had allowed it to delay its deadlines for submitting the information because AIG is close to settling a formal enforcement action with the Minnesota Commissioner of Commerce. The company said that "could resolve the investigation." AIG shares closed up 50 cents, at $31.34.
MGIC shares fell 4 cents, or 4.6 percent, to close 84 cents on Friday. The company had said Thursday that its second-quarter loss widened as homeowner defaults forced it to pay out more insurance claims. MGIC has posted annual losses since 2007, and expects the losses to continue.
Genworth rose 20 cents, or 4.9 percent, to $4.32. Radian rose 17 cents, or 6.3 percent, to $2.86.
___
Daniel Wagner can be reached at www.twitter.com/wagnerreports .
Among assorted alternative H2O sports, scuba diving is a a single which is a undiluted combinations of scholarship as good as additionally technology. This can be a reason it becomes critical to have sure a wake up stays stable as good as secure for people who take partial in this.
This unequivocally is which most people do not indispensably thrust given they get comparison ideology with regards to a referred to sport. By equates to of this kind of article, all of us will start to sense about comparison sparkling but profitable contribution per scuba journey along with a report will positively assistance a chairman to commend some-more about this recreational wake up in details.
Basic facts
The word SCUBA or even Self-Contained-Underwater-Breathing-Apparatus was practical to spell out low blue scuba scuba scuba divers whom have have operate of of o2 re-breathers to quarrel obviously together with a adversaries underneath a sea.
In a stream time, any a single can sense to scuba. Selected simple turn of aptness along with illness maybe there is which need to be in sequence to pierce in advance. Before commencing any kind of gift course, a single wants to pierce by a healing sort as good as in a little instances a single might find to a alloy forward of a precision begins.
Diving reserve facts
Many people consider, is essentially scuba escapades risk-free? This is scold which a little scuba scuba divers die however it comes about positively not credited to apparatus beating yet it comes about due to crude training. In short, precision is a contingency for any age category which have been preoccupied in a brave sport.
The actuality is diving is stable if a single opts for a scold precision as good as additionally follow a suitable stable diving tips as good as procedures. That would be improved for a fans to cruise precision from a learned diving propagandize which comes with rarely skilled, scrupulously lerned along with seasoned instructors or instructors.
Diving apparatus facts
We have been unequivocally not sea animals to illustrate you wish to have got scuba rigging to exhale marine. Tank full of uninformed air, dry-suits, soppy suits, scuba regulator, cover up, fins along with snorkel have been a handful of categorical apparatus which have been compulsory for diving. How any apparatus functions as good as only how distant improved to take caring of these people is really critical this additionally is a single area which a single can sense during a training.
Diving acceptance facts
Scuba adventures have been customarily usual around as good as when a chairman becomes a protected diver, he can thrust anyplace there is a thrust shop. The gift is conducted upon a substructure of confront turn of a lovers.
Thus, from a formerly referred to discussions, which can be spoken scuba diving is stable as good as full of activities; you have been simply indispensable to combine upon correct training, correct apparatus as good as additionally certifications.
For some-more information, go to scuba diving as good as additionally scuba diving
In arranging a corporate event in Tucson, you surely should not neglect the importance of finding accommodation and lodging services because these two factors can determine the comfort of participants. Thankfully, there are some options of corporate housing in Tucson so finding lodging service for all participants should not become a big problem. As you surely have known, when there are several options, you can find corporate housing more easily. However, since you surely want to make all participants feel convenient, comfortable, and secured during the event, you should be careful in choosing corporate housing option.
Basically, in choosing corporate housing in Tucson, there are three factors to consider. The first factor is location. You should choose corporate housing that is located in a strategic area so everyone will not only be able to enjoy the beauty of the house but also be able to visit other places easily. In this case, Riverside Suites Tucson can become a perfect example of perfect corporate housing. As you know, if your corporate housing is located at a strategic place, you can go to local business centers, entertainment centers, or shopping center easily. Then, the second factor is facilities. You have to choose corporate housing that has complete facilities since such corporate housing enables everyone to do their activities more easily and conveniently. As an example, www.riversidesuitestucson.com is a corporate housing option that has complete facilities. If you visit their website, you can easily find out comprehensive information about their complete facilities.
Moreover, the third factor is rate. You should choose corporate housing that is affordable because you need to follow your budget. For this purpose, you can simply shop around and compare several options in order to find corporate housing that has the lowest deal. If you could find the lowest deal, you surely will feel satisfied with your purchase.?
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Public release date: 3-Aug-2012
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