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A mobile payment service backed by Wal-Mart, Best Buy and other leading retailers is defending its practice of prohibiting its mature sex porno hard members from accepting alternatives such as Apple Pay.However, Merchant Customer Exchange shopped short of giving a reason for requiring exclusivity. The child porn children rivalry is heating up as more Americans choose to shop and spend time on their mobile devices.
Eddy Cue, Apple Senior children porn video Vice President of Internet Software and Services, demonstrates the new Apple Pay mobile payment system at a Whole Foods store child porno in Cupertino. A consortium of retailers called Merchant Customer Exchange plans to offer a rival mobile payment system next year.
HOW APPLE PAY WORKS  Apple Pay is compatible with the iPhone 6, iPhone 6 Plus and the Apple Watch.The mobile system works by holding the phone up to a card reader and pressing a finger on the TouchID button.This confirms the persons identity, and the payment is simply made as if the user had presented and signed their card.All details are encrypted and the system stores payment information securely.If an iPhone is lost, users can suspend all payments via the Find my iPhone service. But officials say retailers may choose to leave without penalty, so they could accept those alternatives, which are based on a wireless technology called near-field communication, or NFC.CVS and Rite Aid this week joined a long list of the worlds largest retailers who will not be accepting Apple Pay.At its launch, Apple boasted there are 200,000 retail stores now ready and willing to let you give them your cash using just a flick of your iPhone and a tap of your finger to prove your identity.But retail giants Walmart, Target, Kohls. Dunkin Donuts are not among them. These retail giants and dozens more are part of a group developing their own mobile payment scheme. Merchants make their own choices about their commitment to MCX and make their own choices about other forms of payment, said Dekkers Davidson, the groups CEO.However, an MCX blog post earlier said that when merchants choose MCX, they choose to do so exclusively.MCX is testing its CurrentC system and plans to launch it in 2015.
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The service has garnered criticism as some of the groups biggest members, including CVS, 7-Eleven, Best Buy and Wal-Mart, are refusing NFC payments even though their stores have the equipment.MCX was also the target of a hack. In Wednesdays call, MCX said a small number of email addresses were obtained in a breach, but no other identifying information or any financial information was obtained.The CurrentC app itself was not affected, and the organization has contacted everyone whose email address was affected.
The Apple Pay service can store Visa, MasterCard and American Express credit card information. Apple said shops like Macys and Bloomingdales, drugstores including Walgreens and Duane Reade, and other stores including McDonalds, Staples, Subway and Whole Foods are participating in Apple Pay.When Apple Pay launched on Oct. 20, retailer resistance had been expected because Apple hasnt offered incentives to install new point-of-sale terminals and train staff on its new mobile payment system. But this week it became clear that many large retailers declined to accept Apple Pay because they were part of MCX, which requires exclusivity.On Monday, Apple CEO Tim Cook said Apple Pay had over 1 million activations in the first three days after it became available and is now more widely used than any competing payment system.He called the dispute with retailers a skirmish.Drugstore chains CVS and Rite Aid both last week stopped customers using the new service which lets users pay for goods by holding a smartphone close to a specially designed terminal.
Apple unveils a new payments service dubbed Apple Pay
But Mr Cook said there were plenty of other retailers around the world signing up, claiming Apple Pay already totes up more transactions than all other contactless
payment methods combined.Davidson said it was entirely possible that in the future merchants can accept both MCX and the other forms of mobile payments, although did not give a timeline for when that might occur.CurrentC lets users pay through a checking account, a store-brand card or a gift card, in addition to regular credit and debit cards. In that sense, it is different than Apple Pay, which lets users pay only through credit and debit cards. Merchants save transaction fees when customers use something other than a credit or debit card.Davidson said MCX was in talks with other substantial financial institutions and said over time we expect all cards will be welcome at CurrentC.Officials said that MCX, which uses barcode technology, also might expand to include NFC, which Apple Pay uses, if it deems that necessary in the future.SO WHERE CAN YOU USE APPLE PAY? 200,000 STORES AND COUNTING There are more than 200,000 payment terminals that should accept Apple Pay in the U.S. Apple has announced about two dozen leading retail chains accepting Apple Pay at launch, and others are planning to do so by the end of the year.Apple said it has worked with several retailers to make sure most of their stores, if not all of them, were ready at Mondays launch: Aeropostale, American Eagle Outfitters, Babies R Us, BJs Wholesale Club, Bloomingdales, Champs Sports, Chevron and Texaco retail stores including ExtraMile, Disney Store, Duane Reade, Footaction, Foot Locker, House of Hoops by Foot Locker, Kids Foot Locker, Lady Foot Locker, Macys, McDonalds, Nike, Office Depot, Panera Bread, Petco, RadioShack, RUN by Foot Locker, SIX:02, Sports Authority, Subway, Toys R Us, Unleashed by Petco, Walgreens, Wegmans and Whole Foods Market.
Bright side: Dozens of retailers will be accepting Apple Pay, the biggest of which include Subway, Whole Fooods, Walgreens, McDonalds and MacysApple also said that the following merchants plan to add support by the end of the year: Anthropologie, Free People, Sephora, Staples, Urban Outfitters and Walt Disney Parks and Resorts.For online payments, Apple said the following merchants have apps ready for Apple Pay: Chairish, Fancy, Groupon, HotelTonight, Houzz, Instacart, Lyft, OpenTable, Panera Bread, Spring, Staples, Target and Uber.Others expected by years end include: Airbnb, Disney Store, Eventbrite, JackThreads, Levis Stadium by VenueNext, Sephora, Starbucks, StubHub, Ticketmaster and Tickets.com.Of course, Apples retail stores and the Apple Store app will also take Apple Pay.

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State-backed Royal Bank of Scotland set aside £400million to cover potential fines for rigging the foreign exchange rate and escort bayan an extra £100million for mis-sold payment protection insurance compensation, it said today.Forex markets are being probed by regulators around the child porn world. RBS is the second British bank to set aside cash for any penalties that arise; yesterday Barclays earmarked £500million.RBS bayan escort made the announcement in its third quarter results, which showed profits were up to £1.27billion in the three months to the end of September, from a loss of £634million in the same period last year.It is the first time the bank has reported a profit for three quarters in a row since the financial crisis in which it nearly collapsed and was then rescued by the Government, which now owns 80 per cent.
Fines: RBS, now facing fines for forex rigging,  has already forked out millions for the Libor scandalRBS chief executive Ross McEwan said performance in the UK and Ireland was ‘showing signs of growth’. Shares rose 2.5 per cent, or 9.30p, to 374.60p in early trading.The bank said the £400million it was setting aside was to cover ‘potential conduct costs following investigations into the foreign exchange market’ by regulators around the world. 
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RBS SHARES: Latest charts
It also confirmed it would retain Ulster Bank following a strategic review, as it remained ‘a core part of RBS, offering ‘a good strategic fit’ with the bank’s strategy focused on retail and commercial banking.
McEwan said the bank still had ‘a long list of conduct and litigation issues to deal with’ and ‘much, much more’ to do to restore customers’ trust in RBS.Meanwhile, the extra £100million for ‘higher than expected’ complaints for mis-sold payment protection insurance will bring RBS’ total bill for PPI to £3.3billion.‘Ongoing conduct and regulatory investigations and litigation continue to present challenges and are expected to be a material drag on both earnings and capital generation over the coming quarters,’ RBS said.In the UK, the Serious Fraud Office and the Financial Conduct Authority have both launched investigations into the alleged manipulation of the £3trillion-a-day forex market.The potential fines would add the millions already paid by both Barclays and RBS for rigging the benchmark interbank lending rate Libor.Barclays paid £290million for Libor rate-rigging in 2012, while RBS forked out £391million to US and UK regulators and £325million to European regulators.
RBS chief executive Ross said the bank still had ‘much, much more’ to do to restore customers’ trustFCA chief executive Martin Wheatley has described the forex rigging claims as every bit as bad as the Libor scandal.Other banks being investigated over the forex rigging include HSBC, Citigroup, JP Morgan Chase and UBS.Switzerlands UBS earlier this week said it had set aside a provision of 1.8billion Swiss francs (£1.2billion) which would include litigation and regulatory issues.Americas Citigroup last night said it was taking a $600million (£375million) hit due to ‘rapidly evolving regulatory inquiries and investigations, including very recent communications with certain regulatory agencies’.The improvement in RBS performance has sparked hopes that the government could soon start selling the RBS shares Britain acquired through its £45 billion rescue of the bank during the 2007-09 financial crisis.Oliver Holborn, head of capital markets at UK Financial Investments (UKFI), the government agency that manages the states RBS stake, told lawmakers this month that Britain is closer to selling part of its stake than previously envisaged.Bankers and political sources told Reuters this month that a first sale of RBS shares could be possible in the next two years.  

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Ongoing supermarket price wars and falling prices at petrol pumps helped drag UK inflation to a shock five-year low of elite escort girl 1.2 per cent in September, official figures revealed today.The data from the Office for National Statistics showed the consumer prices index measure of inflation fell from 1.5 per cent in August, well below the Bank of Englands 2 per cent target for the ninth consecutive month. The sudden drop in price pressures hit the pound as currency traders priced in the probability that interest rates would now go up later than thought. Sterling fell by one cent from $1.608 to $1.598, while against the euro the pound slid from €1.264 to €1.257.
The price is right: The ongoing supermarket price war and falling prices at the petrol pumps helped drag inflation to a surprise five-year low of 1.2 per cent, according to the Office for National Statistics
Falls in transport costs, in particular sea fares and air fares, and prices for a range of recreational goods provided the largest contributions to the slowdown which surprised analysts who had expected a more modest dip in the rate to 1.4 per cent.The ONS figures showed that petrol fell by 0.8p per litre in September compared to August, and diesel by 0.7p, as oil prices continue to tumble. 
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Sea and air fares fell more steeply than at the same time last year, while laptops and tablets, computer games, games consoles, books and e-books also contributed to the sharper-than-expected slowdown.Restaurants, cafes and canteens also saw lower price rises year-on-year.The ONS said that were it not for the impact of falling food and motor fuel prices – the latter of which was down 6 per cent – the rate of inflation would be around a third higher at 1.6 per cent.
It is likely to ease any immediate pressure on the Bank of England to implement a rise in interest rates, which are languishing at a historic low of 0.5 per cent.The BoE is looking for wage increases – which are currently behind the rate of inflation – to start improving before hiking the cost of borrowing.Labour market figures due out tomorrow are expected to show pay increases still lagging behind, little changed from the latest reading of 0.6 per cent.It is also thought that the knock-on effect of the eurozones economic woes on the UK may influence the Banks decision to put off any hike until next year.
Falling down: Apart from September 2009 – when it was 1.1 per cent – CPI has not been as low for a decade. It was previously only as low when it was 1.2 per cent in October 2004
Chris Williamson, chief economist at Markit, said the low rate of inflation could mean an interest rate hike is delayed until after next years general election. Some analysts had predicted a rise in February.
He pointed out that, apart from in September 2009 – when it was 1.1 per cent – CPI has not been as low for a decade. It was previously only as low when it was 1.2 per cent in October 2004.Mr Williamson said: With oil and petrol prices falling, import costs dropping due to the exchange rate, supermarkets engulfed in price wars and wage growth at a record low, its hard to see why inflation should do anything other than fall further in coming months.While a few months ago, the likelihood was growing that the Bank might need to hike interest rates in late 2014 or early next year, the data are now stacking up to suggest a hike could be delayed at least until next summer, after the general election. ING Bank economist James Knightley supported this view: With inflation substantially below the Bank of Englands 2 per cent target and the eurozone growth outlook appearing to deteriorate, there is little pressure to tighten monetary policy any time soon.This means our February prediction for the first rate hike may be a little early.But while the dip may ultimately mean a stay of execution for borrowers, savers continue to pay the price of low interest rates. Chris Williams, CEO of Wealth Horizon said: Savers have a different problem, those that delay and continue to keep their money locked into savings account, will still be seeing their money rot away
in low paying savings accounts.
Even small pots of money need to be rounded up and put to better use by utilising a long term investment that can offer real returns.
However, the dip in inflation will provide some immediate comfort to hard-pressed households still struggling with stagnant wage increases.It means the price of a basket of good in the supermarket will be marginally cheaper as the cost of living has decreased.
Big supermarket chains have been battling to stave off competition from budget rivals Aldi and Lidl, whose winning formula of low cost essentials and cut-price luxuries has proved a hit with cash-strapped households.
The biggest losers: Falls in transport costs, in particular sea fares and air fares, and prices for a range of recreational goods provided the largest contributions to the slowdown which surprised analysts who had expected a more modest dip in the rate to 1.4 per cent
According to the ONS, food and non-alcoholic beverages fell by 1.4 per cent year-on-year, the steepest drop since June 2002 and the fifth month in a row that they have not risen
on an annual basis.It is the longest sustained period of flat or falling food prices since the end of 2004.The CPI figures are also good news for pensioners. In line with the the figures, state pensions will rise by 2.5 per cent or £2.85 a week next spring as the Governments triple lock ensures an increase of whichever is the greater out of average earnings, Septembers inflation rate or 2.5 per cent.Research Director of think-tank, the Adam Smith Institute, Sam Bowman, said: It’s usually a bad thing when the Bank of England misses its inflation target but today’s figures look like the exception.
The fall appears to be due to supply side factors like cheaper fuel and food. On the demand side, inflation seems healthier and closer to being on target, and this is what counts from the macroeconomic point of view. All in all, good news and not something that should cause any panic.What this does highlight is the absurdity of the government’s pensions triple lock. Pensions are now rising by 2.5 per cent, more than double the 1.2 per cent inflation rate.
This would be unsustainable and unnecessary at the best of times, but at a time when tax revenues are worryingly weak this is totally profligate and unsustainable.
Cutting the cost of living: The dip in inflation will provide some immediate comfort to hard-pressed households still struggling with stagnant wage increases
Howard Archer, chief UK and European economist at IHS Global Insight, said inflation could drop even further: Given the current weakness of oil prices and the supermarket pricing war continuing, consumer price inflation could very well get down to 1.0 per cent in the near term.We now expect inflation to essentially hover in a 1.0-1.5 per cent range through to the early months of 2015 before gradually heading up to be near 2.0 per cent by the end of next year.Commenting on a date for a possible hike in interest rates, he added: Much will clearly depend on just how well UK growth holds up over the coming weeks and months as well as how much wages move up in the 2015 pay settlements.Martin Beck, senior economic advisor to the EY ITEM Club, broadly agreed with Mr Archer: With core inflation also slowing, it appears that the low inflation environment is here to stay.Bolstered by falling oil prices, there is little sign of any inflationary pressures in the horizon. If anything, there is reasonable chance that inflation could dip below 1 per cent around the turn of the year, which would lead to letter writing from Mark Carney to the Chancellor.Against this backdrop, the chances of the MPC voting for an increase in interest rates this year have fallen to practically zero. Particularly given that the Inflation Report predicted an inflation rate in September at 1.7 per cent. Unless inflation begins to pick up soon, it is likely that the first hike will be pushed out towards the middle of next year, if not later.
Calum Bennie, savings expert at Scottish Friendly, welcomed the dip in inflation, but was cautious about the longer-term implications for household expenditure: According to our latest disposable income index, people currently have just eight per cent of their salaries left over each month after essentials are paid for.
However, even with this drop in inflation, prices continue to rise ahead of wage increases and many could in fact feel worse off as we enter the festive season.
Squirreling a few pounds away regularly helps build a safety net, which can be utilised when interest rates do eventually start to rise.
Last week data the British Retail Consortium-Nielsen Shop Price Index showed that deflation rose to an annual 1.8 per cent, up from 1.6 per cent in August, the 17th month that prices showed a fall on the same month last year. The BRC data looks at food and non-food prices across the high street, and doesnt include categories such as electricity, transport, restaurants and hotels, and recreation and culture – which are included in the Office for National Statistics consumer prices index.   

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Homes in London are further out of the reach of ordinary people now than they were at the height of bayan escort the property boom in 2007, a report shows.But the affordability index from estate agent Hamptons International showed the situation in vip eskort the rest of Britain has improved. The Hamptons index analyses the combined pressure that buyers face from the cost of living escort as well as rising house prices.

Money pressure: Struggle to get on escort bayan the housing ladder in London is particularly acute for couples with two children where one parent works full time and the other has a part-time jobIt found that current low mortgage rates mean that the ability to buy a home has generally got better despite the amount of income that some families have left over after paying for essentials such as food, utility bills, council tax and childcare being around £60 a month less now than it was at the start of the economic downturn in 2008 as wages have remained flat.The report, which is based on someone having a 15 per cent deposit to put down, said that compared with 2007, the ability to buy a home has improved everywhere apart from London, where house prices have been surging. 
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Across the country generally, a full-time worker household with children would have 66 per cent of their income left after mortgage payments and essentials, while a household with one full and one part-time earner with children would be left with just 42 per cent.But a first-time buyer would typically see the biggest chunk taken out of their budget with just 38 per cent of their income left available, according to the findings.Recent figures from the Office for National Statistics showed that the average house price in London reached an all-time high of £514,000 in July.Hamptons found that the struggle to get on the housing ladder in London was particularly acute for couples with two children where one parent works full time and the other has a part-time job, as well as for first-time buyers.These groups would be likely to have more money flowing out of their accounts on their mortgage payments and other essentials than they would have coming in as an income, it found.
Property trends: Affordability situation in the rest of Britain has improved, Hamptons foundBut with house price growth in the capital now showing signs of cooling, the deterioration in affordability should start to ease off, it said.With wages generally expected to rise in real terms in 2015, affordability should improve further, although predictions that interest rates will also start to increase should also offset some of this improvement, the report said. 
Lenders have been warning mortgage holders to start preparing for the prospect of interest rates rising and the impact that this will have on their repayment costs.Fionnuala Earley, director of research at Hamptons International, said: Our analysis also shows that ability to buy across the country has improved since the start of the recession when both house prices and interest rates began falling.London is the stand-out exception. Here ability to buy is now worse than it was before the crash.She continued: Looking ahead, the risks are that house prices continue to increase without any real increase in wages and that interest rates rise too causing a fall in ability to buy.This said, for most parts of the country it would take a significant rise in mortgage rates for ability to buy to deteriorate to 2007 levels.The report was based on a range of data, including Land Registry house price figures, official earnings data and family spending reports. 

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Every little helps: Savings rates may be low but at least an Isa means interest is tax-free
Our savings correspondent Lee child porno Boyce picks his five favourite cash Isas for savers in 2014 – essential reading to help you choose a top escort bayan savings account for your money.
This page is kept up-to-date throughout the year – bookmark it for the very porn latest developments.How an Isa works and why you should have oneEach year in April, savers are given a fresh Isa escort allowance that qualifies for tax-free interest.For 2014-15, the limit was set at £5,940 for cash Isas.
But since 1 July, savers can top this up to a whopping £15,000 – all of which can go into a cash Isa, after an announcement in the Budget back in March.
And you can also transfer Isa money whichever way you wish between an investment account to savings account, whereas previously you could only shift it from saving to investments.Although cash Isas dont currently offer fantastic rates, it is still worthwhile opening one to shield money away from the taxman. Read This is Money editor Simon Lambert explain how to use a New Isa to boost returns.
Isa rules state you can only contribute to one Isa per tax year.
You can also transfer an old Isa for better returns. Heres a quick guide to Isa saving.It is possible to switch your current years cash Isa if you move the entire amount, but it is far simpler to get your choice right in the first place.Rates are low, but that just makes an Isa more importantSavers have been hit in recent years with
low interest rates as banks and building societies fail to match tax-free Isa rates to standard accounts.
To those injuries was added the insult of the Funding for Lending scheme that pushed cheap cash through banks and building societies to borrowers and removed the incentive to offer decent savings rates.
This is now closed for lenders looking to gain more funds by increasing mortgage lending, but with plenty left in their pots they have little incentive to offer good rates.
But low rates just make it even more important to shelter your interest from the taxman, which is what a cash Isa does.HOW WE PICK OUR FAVOURITE FIVE
Our five favourite Isas round-up is a permanent feature of This is Money.
Lee Boyce: This is Moneys savings expert
It comes complete with an explanation detailing why were happy to pick each account.This page will be kept updated as and when new deals pop up or old ones get scrapped.
Our team work tirelessly to stay on top of the latest rate changes, but banks and building societies can pull deals without telling us. If you spot a deal here that is not longer available please email us at editor@thisismoney.co.uk
Remember, you can open an Isa or transfer (provided youre not tied to a fixed-term) at any time during the year.Note
that we dont just copy the best rates from the savings tables – we
scour the market for all-around winners. This is a taster of the top
deals. For the best rates, visit our savings rates tables, which are comprehensive and independently compiled.

BM Savings Isa – 1.55% [Full details]- Facts: £1 to open- Transfers in: Yes
- This is Money says: This easy-access rate accepts transfers in, but has to be accessed via post – although it can be opened online or on the telephone. It also carries a meaty bonus, meaning the rate will drop to just 0.5 per cent this time next year, so it is vital to remember to switch at this time.
Virgin Money Two-Year Fixed Isa – 2.1% [Full details]- Facts: Minimum balance of £1
- Transfers in: Yes
- This is Money says: Launched at the start of October, Virgin raced to the top of the best buy table with this two-year fixed-rate deal. There are two different accounts – one, Issue 93 that you can open online, and another, Issue 114, which can be accessed in-branch or via the post, but both carry the same rate. Withdrawals are subject to a 90 days loss of interest penalty.  Post Office One-Year Fixed Isa – 1.7% [Full details]- Facts: Minimum balance of £500
- Transfers in: Yes
- This is Money says: The Post Office has the best 12 month fixed-rate at 1.7 per cent. It accepts transfers in and can be opened online. Virgin Money Five-Year Fixed Isa – 2.8% [Full details]- Facts: Can be opened with £1
- Transfers in: Yes
- This is Money says: This account offers tax-free savers the highest current available rate, but money has to be fixed until October 2019, with no access to the cash before this date.
NS&I Direct Isa – 1.5% [Full details]
- Facts: Can be opened with £1,
- Transfers in: No
- This is Money says: This National Savings and Investment Isa creeps into our best buy table by default. Rates have been plunging this year and despite a rate cut by NS&I earlier in the year, it is now the top easy-access rate you can open tax-free and without a bonus that drops off. 

Read more:
This is Money: Be your own financial adviser – predictions, advice & tips | This is Money

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Sharing experiences with others makes them more intense, whether they are good or bad, experts claim.And shared experiences are intensified porno even if they happen in silence, or with someone who an individual has only just met.A new study shows that porno people who share experiences with another person rate those events as more pleasant or unpleasant than those who undergo the experience on their own.
Sharing experiences with others (illustrated with a stock picture) makes them more intense, whether they are good or bad, experts claim. And shared experiences are intensified even if they happen in silence, or with someone who an individual has only just metPsychological scientist Erica Boothby, of Yale University in New Haven, Connecticut, said: ‘We often think that what matters in social life is being together with others, but we’ve found it also really matters what those people are doing.‘When people are paying attention to the same pleasant thing, whether the Mona Lisa, or a song on the radio, our research shows that the experience is much more pleasurable.
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‘And the reverse is true of unpleasant experiences – not sharing them makes them more pleasurable, while sharing them makes them worse.’Ms Boothby and her colleagues set out to explore the consequences of sharing experiences that unfold socially but silently.In their first study, 23 female college students went to a lab and met another participant who would be completing the study at the same time. Unknown to the students, the ‘other participant’ was actually part of the research team.
In one experiment, students tasted chocolate at the same time as another person and on their own. Although the chocolate pieces were identical, the students tended to report the ‘shared’ chocolate as being more flavoursome. The experiment suggests that sharing food (pictured) makes it tastierThe pairs were told that they would engage in several activities, including tasting chocolate and looking at a book of paintings, side-by-side on a table.The students tasted one of the chocolates at the same time as the other participant and once while the researcher was looking at the book of paintings.After the students tasted both chocolates, the experiments ended ‘early’ before they got a chance to look at the artwork, according to the journal Psychological ScienceThe chocolates were taken from the same block to ensure they could be compared fairly.
The researchers suggest that sharing an experience with someone else, even silently, such as looking at art in a gallery (pictured) makes us more attuned to what we are sensing and perceivingStudents reported liking the chocolate they had tasted at the same time as the other participant more than the chocolate they had tasted while the other participant was looking at the book.Although the chocolate pieces were identical, the students tended to report the ‘shared’ chocolate as being more flavoursome, which suggests that the mere act of sharing may influence how things are actually sensed or perceived by us.To find out whether sharing makes any experience more pleasant or unpleasant, the researchers tasked another group of students to taste a bitter ‘chocolate substitute,’ which was really a square of 90 per cent dark chocolate deemed to taste unpleasant.This time, the students said that they liked the ‘shared’ chocolate less.They also reported feeling more absorbed in the tasting experience and more in tune with the other participant when they tasted the chocolate at the same time.The researchers suggest that sharing an experience with someone else, even silently, may focus our attention, making us more attuned to what we are sensing and perceiving.Ms Boothby added: ‘When people think of shared experience, what usually comes to mind is being with close others, such as friends or family, and talking with them.‘We don’t realise the extent to which we are influenced by people around us whom we don’t know and arent even communicating with.’The researchers claim their findings may have significant implications for social life in a world that is filled with distractors.Ms Boothby explained: ‘We text friends while at a party, check our Twitter feed while out to dinner, and play Sudoku while watching TV with family – without meaning to, we are un-sharing experiences with the people around us.‘A pleasant experience that goes unshared is a missed opportunity to focus on the activity we and others are doing and give it a boost.’ …AND FRIENDS SHARE ALMOST AS MUCH DNA AS THEIR FAMILY  Friends have a remarkable number of the same genes, according to a recent study.Researchers found that pals share significantly more DNA as strangers.Geneticists discovered that unrelated friends have a 1 per cent of genes that match – about the same as fourth cousins, who share great-great-great grandparents.‘One per cent may not sound like much to the layperson, but to geneticists it is a significant number,’ said Professor Nicholas Christakis, of the Human Nature Lab at Yale University.It means that scientists are even able to make a calculated guess as to which people are likely to become friends just by testing their DNA.Such a test is more accurate than genetic tools used to predict the risk of obesity or schizophrenia.Co-author Professor James Fowler, a medical geneticist at the University of California at San Diego, said: ‘Looking across the whole genome, we find that, on average, we are genetically similar to our friends.‘We have more DNA in common with the people we pick as friends than we do with strangers in the same population.’

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An obese woman whose anxiety led to alarming weight gain dropped six dress sizes after she learned to control her escort bayan stress through yoga and pilates instead.Michelle Bird, 34, from Chatteris in Cambridgeshire, dropped from 13 stone to 8st 7lb in bayan escort just two years after doctors said that she was on the verge of developing type two diabetes.She now manages her escort stress by taking part in regular holistic exercises.Scroll down for video 
Michelle at her heaviest in 2004, weighing almost eskort 13 stone (l) and pictured training after losing weight (r)
Michelle learned to manage her stress through regular holistic exercises paired with breathing techniquesMichelle pairs this with healthy eating and breathing techniques, which helped her adopt a healthy mental attitude.The former sales assistant, who lives alone, says the roots of her weight gain lay in anxiety disorders, such as agoraphobia and claustrophobia. 
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She felt forced to lock herself away at home and ended up excessively indulging in fattening, comforting snacks. But Michelle has turned her life around and is now a fitness instructor.She said: When I was 21 I became ill and had developed panic attacks which I discovered were due to agoraphobia.
Michelle says the roots of her weight gain lay in anxiety disorders, such as agoraphobia and claustrophobiaId moved to Cambridgeshire from Grantham and was quite lonely at that point. I was in a town without any family. I ate constantly most of the time to try and make myself feel better.Michelle, who at her largest wore size 18 clothes, said eating became a distraction from her loneliness.  I was exhausted from the panic attacks and began to eat huge amounts of sugar to keep my energy up She said: I would typically have a whole 12-inch pizza to myself. I used to buy a massive family size Galaxy bar and eat the whole thing.I was by nature an outgoing person – Id participated in sport at school, but the agoraphobia took that away.At 24, Michelle was told by healthcare professionals that she was clinically obese and if she continued to put on weight she would eventually develop type two diabetes.She said: I was starting to feel fat. Before then I had never looked at myself in the mirror and seen a fat person. After the doctors appointment, thats all I saw.Michelle was referred to Weight Watchers where she found the spark she needed to turn her weight problems around.  Michelles diet before  Breakfast: Three pieces of toast Lunch: Tuna pasta with chips and mayonnaise Dinner: A 12-inch takeaway pizzaSnacks: Fattening food such as family size Galaxy bar Michelles diet after Breafast: PorridgeLunch: Tuna salad with sweet potato and red peppersDinner: Noodles with chicken and prawns for her evening meal.Sacks: None 
She felt forced to lock herself away at home and excessively indulge in fattening, comforting snacksShe said: I had never dieted before so I didnt know where to start. They put me on a scale, and it was a massive shock. to see the state I had gotten myself into.Michelle was encouraged to stop smoking and began exercising regularly.I looked for local fitness centres in the area and there were Pilates classes running at the town hall and the they got me hooked, she says.I felt invigorated after every class and kept coming back for more. That was the start of it.  A friend of mine joked I should become a fitness instructor – so I did When youve locked yourself away and feel down you grab the nearest thing that will make you feel better – for me that was food. I was exhausted from the panic attacks and began to eat huge amounts of sugar to keep my energy up. I also drank alcohol every weekend to distract myself from my anxiety. It was a way for my brain to deal with the stress.I changed my outlook because it turned that locking myself away just caused my anxietys to grow. The classes were a great first step.As well as helping me to gain a healthy body, the breathing techniques I learnt helped me to gain a healthy mind and outlook also. She added: Losing weight began to make me feel more confident and I stopped having the panic attacks.Before losing weight, Michelle typically ate three pieces of toast in the morning, tuna pasta with chips and mayonnaise for lunch, and a takeaway pizza for her evening meal.Today, she typically eats porridge for breakfast, followed by tuna salad with sweet potato and red peppers for lunch, with noodles with chicken and prawns for her evening meal.
After joining Weight Watchers she was encouraged to stop smoking and began exercising regularly
Size six Michelle now has qualifications to teach kettlebell classes and give nutritional adviceMichelles new-found healthy outlook encouraged her to make fitness the focus of her life.She said: A friend of mine joked I should become a fitness instructor – so I did.Michelle, who now wears size six clothing, has now gained qualifications to teach kettlebell classes and give nutritional advice.She now runs and teaches fitness classes at her own Cambridgeshire-based business named Bodymode. Michelle said: The work is rewarding and makes me feel good. It definitely dealt with the stress.There are more than three million people above the age of 16 suffering from diabetes, the onset of which is often weight-related, in the UK.The NHS advises that regular exercise reduces the risk of mental health issues, including stress, by up to 30 per cent.
Keep trim and lose weight with tips from Howcast (related)
Michelles new-found healthy outlook encouraged her to make fitness the focus of her life

Dani barcelona england with

David Luiz became the first player to score against Barcelona this season as Paris Saint-Germain beat Luis Enrique’s side 3-2 in Paris.The French Champions have not been beaten at home in the Champions League since 2004 and their record continued in a five-goal thriller.PSG took the lead on 11 minutes and it was Luiz – a player linked with a move to Barcelona before he finally left Chelsea for Paris in the summer – who got the goal. Dani Alves was penalized for handball and Lucas Moura’s free-kick dropped to Luiz who swept it past Marc-Andre ter Stegen.  
David Luiz wheels away in celebration after scoring Paris Saint-Germains opening goal in the 3-2 victory over Barcelona
Looking every bit a rock star, Luiz executes the perfect celebratory power slide after scoring the opener in Paris Saint-Germains win over Barcelona
King David Luiz chuffed to score against Barcelona for PSG
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Match facts  PSG: Sirigu, Van der Wiel, Marquinhos, Luiz, Maxwell, Verratti (Cabaye 71), Thiago Motta, Matuidi, Lucas Moura (Bahebeck 91), Cavani, Pastore (Chantome 86)Subs not used: Douchez, Bahebeck, Aurier, DigneGoals: Luiz, Verratti, Matuidi Booked: Van der Wiel, Verratti, Matuidi Barcelona: Ter Stegen, Dani Alves (Sandro Ramírez 83), Mascherano, Mathieu, Jordi Alba, Rakitic (Xavi 69), Busquets, Iniesta, Messi, Neymar, Pedro (El Haddadi 62) Subs not used: Bravo, Pique, Sergi Roberto, Adriano.Goals: Messi, Neymar Booked: Dani Alves Referee: Nicola Rizzoli (Italy) Barcelona had made enquiries to sign Luiz in the past and made a more concerted effort to sign Marquinhos. They were facing both players and it was Luiz who had put paid to perfect defensive record.Within a minute, however, the visitors were level. The luminous yellow shirts charged forward and Messi and Andres Iniesta played a wall pass inside the area with the Argentine finishing past Salvatore Sirigu for his 68th Champions League goal.Now only Real Madrid’s Raul has scored more and Messi had moved within three of the record. It was also Barcelona’s 500th goal in the European Cup.Messi created Barca’s next real chance with a lofted pass that Neymar stretched to reach ahead of Sirigu – he got there first but failed to keep this shot down.From so nearly taking the lead, Barcelona were soon behind again. Jordi Alba lost possession, PSG won a corner and from Thiago Motta’s kick Marco Verratti scored at the far post.It a owed plenty to fine delivery, but even more to Ter Stegen wandering off his line and failing to claim the ball as it sailed over his head it, leaving the goal at Verratti’s mercy.  The old demons of not being able to defend set-pieces had undone Barcelona, with them conceding from a free-kick and a corner.The game remained ridiculously open in what was left of the first half – something that suited Luiz. The Brazilian exists somewhere between total football and total chaos.He had one run down the right wing, one run down the left wing, and there was some kamikaze defending, but he had scored one of the goals that sent his team down the tunnel leading 2-1 at half time. 
David Luiz takes a brilliant first touch in the box before turning and driving home his left-footed finish to give Paris Saint Germain the lead over Barcelona
Former Chelsea defender Luizs goal comes after 10 minutes in PSGs Champions League Group F fixture at the Parc des Princes in Paris
Luiz wheels away in celebration after scoring the emphatic goal that gave the hosts a 1-0 lead
Luiz, who has been underfire recently due to poor form following his big money move to Paris, races to the corner after his goal to celebrate with the PSG fans 
Raising his arms to the heavens, Luiz completes the post-goal celebrations with his PSG team-mates
PSGs Maxwell (right) takes to the air after he is fouled by Barcelonas Ivan Rakitic
Former French president Nicolas Sarkozy smiles as he takes his seat in the star-studded stands
Imperious Barca No 10 Lionel Messi turns PSGs Italian midfielder Thiago Motta (centre) inside out with another of his probing runs
Within two minutes of Luizs goal Messi is taking on celebrations of his own after a beautiful piece of interplay with Andres Iniesta
Messi (right) forms a superstar huddle with Iniesta (front) and Neymar (second right) after their 12th-minute equaliser 
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The open spaces brought more goals at the start of the second half. PSG were doubling up on Alba with Lucas Moura and Gregory van der Wiel down the Barca left and the home side’s full back crossed from the right for Blaise Matuidi to score the third.Barcelona repeated their first half trick of responding inside a minute with Alves’ cross was converted by Neymar to make it 3-2.Barcelona were still looking exposed at the back and both Edinson Cavani and Javier Pastore had the chance to extend PSG’s lead. A watching Zlatan Ibrahimovic didn’t know whether to smile or scowl as he watched the team attack so well without him. 
PSG take the lead back through re back in the lead Marco Verratti (right) as the Italian gets on the end of a corner to the far post
Barcelona keeper Marc-Andre ter Stegen is all at sea as the corner loops over and around his defenders and finds Verrattis head
Italian striker Verratti celebrates as the score moves to 2-1 at the Parc des Princes
Not just a star striker, Edinson Cavani (right) puts in the hard yards to get between Iniesta and the ball in the penalty area 
Barcelonas Neymar comes in for some rough treatment from PSGs Van der Wiel on the sideline Barca coach Luis Enrique brought on Xavi for his 143rd Champions League appearance, sending him past Raul’s competiton record, as Ivan Rakitic, who had also been at fault for PSG’s second goal, beaten in the air by Verratti, made way.Barcelona’s best chance to salvage a point came with 15 minutes left when the ball dropped to Iniesta in space on the edge of the area. It was the same range he scored his most famous Champions League goal at Stamford Bridge in 2009. He even had the same colour shirt on but the shot was high and wide and the clock was now ticking down on Barcelona’s unbeaten start to the season.There were still two more big chances with Alba shooting from inside the area only for Marquinhos to throw himself in front of the goalbound effort and Barcelona substitute Munir El Haddadi to hit the post from distance.Marquinhos celebrated his block as if it were a goal, and PSG had their victory. 
Barcelona in crazy playground game during Champions League training
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PSG midfielder Blaise Matuidi celebrates after getting on the end of a cross to make it 3-1 in the hosts favour
Matuidi resists the challenge from Dani Alves to make strong contact and his finish rockets between Ter Steegans legs in the Barca goal
Neymar ensures Barca keep touch with his slick finish bringing the gap back to one at 3-2
99 problems but a pitch aint one! US rapper Jay-Z (right) with his other half, pop star Beyonce (left) took in the match in Paris
Jay-Z (centre) and Beyonce (top left) were seated alongside former PSG star David Beckham (top right)
Back in familiar surrounds, England and Manchester United legend Beckham enjoys the Champions League action
Beckham (left) chats with former Dutch player Patrick Kluivert as they take their seats on this Tuesday night in Paris
A superstar in his own right, PSGs injured striker Zlatan Ibrahimovic was also in the seats reserved for the elite in the Parisian stadium
PSGs Marquinhos was a match-winner in defence – here he celebrates making a tackle to deny a certain Barcelona goal on the line in the dying moments
Goalscorers Matuidi (no14) and Luiz celebrate after the full-time whistle at the Parc des Princes 
Barcelonas players are dejected as the trudge off at the end of their Group F match in ParisVIDEO Blanc salutes team performance
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champions the injuries rossister

Follow us at September 24, 2014

As a result, with the score in the shootout level at 10-10, the first penalty takers had to go again.
The success both teams enjoyed from 12 yards made for a surreal spectacle, with Liverpool striker http://t.co/Ut0MVh6JxZ pic.twitter.com/6jrHPbnDTn— Guardian sport (@guardian_sport) September 24, 2014

When you include the penalty scored by Middlesbrough substitute Patrick Bamford to make the score 2-2 in the dying moments of extratime, there was a grand total of 31 spot kicks in an extraordinary match — a competition record.
I dont have words to explain my feelings now, Middlesbrough manager, and former Real Madrid No. 2, Aitor Karanka remarked after the match.
Ive never experienced anything like that before. We have played a Champions League team at Anfield and weve met them face to face. Everything was brilliant except the last penalty.
For Liverpool, it ended a run of back-to-back defeats in the Premier League.
I was obviously pleased to get through and that experience, even though it was a long night for everyone, was great for our young players, said Liverpool manager Brendan Rodgers, whose starting 11 included the 17-year-old Jordan Rossister.
Its good to win, no matter how you win, added Rodgers.
It was very difficult — even the keepers scored. It was really good quality. You can see why Middlesbrough are up near the top of the Championship (Englands second tier,) they are a good side and are organized.
We wish them luck now for the rest of their season.
Read: Curing soccer injuries with cheese? Yes, really

Studied solely vaquita s

Editors note: Omar Vidal is director general of the World Wildlife Fund in Mexico. Robert L. Brownell Jr. has studied marine mammals all over the world since the 1960s. Zhou Kaiya is a professor at Nanjing Normal University and studied the baiji since the mid-1950s until it went extinct. The opinions expressed in this commentary are solely those of the authors.
(CNN) — Humans have driven to extinction four marine mammal species in modern times: Steller´s sea cow in 1768, the Caribbean monk seal in 1952, the Japanese sea lion in 1970 and the baiji or Chinese river dolphin in 2006. As you read this, we are on the brink of losing the fifth.
The vaquita (Spanish for little cow), a small porpoise that lives only in the uppermost Gulf of California, Mexico, is the most endangered of the 128 marine mammals alive today. The vaquita, which some say looks View my Flipboard Magazine.
But more needs to be done. Despite these measures, the vaquita will be lost unless the illegal totoaba fishing is stopped immediately. It is now or never, and only high-level action can save this critically endangered porpoise.
We urge Pena Nieto to stop the illegal fishing of totoaba by even stronger enforcement of the gillnet ban and to extend the refuge boundaries to cover the entire vaquita habitat.
This means eliminating all gillnet fisheries within the expanded refuge and compensating the fishermen, while allowing for a transition toward new gear that catches shrimp but not vaquitas. We also urge U.S. President Barack Obama to take swift and decisive action through the newly created White House Wildlife Trafficking Group. The first immediate step is to scale up the already significant law enforcement efforts on transborder shipments of totoaba products. Finally, we urge China Premier Li Keqiang to immediately stop the illegal entrance of totoaba products.
It is still possible to save the vaquita, but this is clearly the last chance. We call upon the governments of the United States, China and Mexico to take swift action to save this unique and beautiful species for present and future generations.
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