How Interest Rates, Credit Ratings, and Lending Affect You (Your Economic Future)

How Interest Rates, Credit Ratings, and Lending Affect You (Your Economic Future)

How Interest Rates, Credit Ratings, and Lending Affect You (Your Economic Future)

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Coaches Can Be a Strong Influence in Preventing Football Injuries, Say Researchers

Teaching coaches about injury prevention and contact restrictions pays off, say researchers who published their study in the Orthopaedic Journal of Sports Medicine today. The authors, from the Datalys Center for Injury Research and Prevention, tracked injury rates among youth football players during the 2014 season.

“With an estimated three million youth aged 7 to 14 years old playing tackle football each year, preventing injuries is key. Our study showed that kids who received a comprehensive education from a coach had fewer injuries,” said lead author Zachary Y. Kerr, PhD, MPH of the Datalys Center for Injury Research and Prevention.

Kerr and his team had athletic trainers evaluate and track injuries at each practice and game during the 2014 football season. Players were drawn from four states, including Arizona, Indiana, Massachusetts and South Carolina. Athletes were divided into three education groups: no coach education program (NHUF) (704 players), Heads-Up education and Pop Warner affiliation (HUF-PW) (741 players) and Heads-Up Only players (HUF) (663). The Heads-Up Football coaching education program was developed by USA Football and the Pop Warner Football program instituted guidelines to restrict contact during practice.

A total of 370 injuries were reported during 71,262 athlete exposures. Individuals in the HUF-PW and HUF groups had lower practice injury rates compared to those in the NHUF with 0.97/1000 athlete exposures and 2.73/1000 athlete exposures, respectively, versus 7.32/1000 exposures. The game injury rate for the NHUF group was 13.42/1000 athlete exposures while the HUF-PW was 3.42/1000 athlete exposures. The game rates in the HUF and NHUF groups did not differ. Higher injury rates were typically found in those aged 11 to 15 years compared to those 5 to 10 years old. However, stronger effects related to Heads-Up education and Pop Warner affiliation were seen in the older group. The research was recently published in the Orthopaedic Journal of Sports Medicine.

“Our findings support the need for additional coaching education and practice contact restrictions. Future research should look at how different programs work at various levels of competition and sports,” said Kerr.

The Orthopaedic Journal of Sports Medicine has been developed by the American Orthopaedic Society for Sports Medicine (AOSSM). The OJSM is a global, peer-reviewed, open access journal that combines the interests of researchers and clinical practitioners across orthopaedic sports medicine, arthroscopy, and knee arthroplasty.

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Did you know that banks charge a much higher interest rate for cash advances on your credit card than for regular purchases? Did you know that the cash advance limit on your credit card is much lower than the total credit on your card? Did you know that banks don’t allow you to pay off your cash advance balance before your purchase balance thereby robbing you of the possibility to save money, while increasing their own profits at your expense? There are times when everyone needs extra cash. Woul

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uBiome Seeks Citizen Scientists to Explore Smokings Effect on Mouth Bacteria

uBiome logo

Although tobacco use in the United States is in slow decline, almost one in five adults is a smoker. While a great deal has been learned over the past fifty years about smoking’s serious health implications, it has only recently become feasible to investigate its impact on the oral microbiome. Biotech startup uBiome is giving smokers, ex-smokers, and non-smokers the chance to contribute to important research while also receiving their individual data showing the bacterial composition of their own mouth. Study participants will get a free at-home, mail-in mouth testing kit. They will also learn how their microbiome compares to those of other smokers, non-smokers, and ex-smokers.

How to take part in the study:

The microbiome consists of the bacteria living in and on the human body, making up between three and six pounds of an individual’s overall weight. Bacteria can be both helpful and harmful. They play a crucial role in digesting food and synthesizing vitamins. However, they also contribute to serious issues such as autoimmune disorders, diabetes, heart conditions, bowel conditions, and skin conditions. The bacteria which make up the human microbiome are distributed across many different parts of the body – in the gut, ears, nose, genitals or mouth, for instance. The mouth alone can be home to around 1,000 different bacterial species.

Oral bacteria can cause tooth decay and gum disease, with figures showing that nearly 42 percent of periodontitis (gum disease) in the United States is attributable to tobacco smoking. There may be other links between smoking and the microbiome. For example a recent study by University Hospital Zurich suggested that the gut microbiomes of ex-smokers differ from those of smokers in a way which might partly account for the weight-gain often seen when people stop smoking. Potential weight-gain is a frequently cited reason for smokers refusing to give up, so understanding more about the interrelationship between bacteria, smoking, and weight change would be invaluable.

Jessica Richman, co-founder and CEO of uBiome, says the tobacco smoking study has significant potential. “Despite the known health risks, about 42 million Americans smoke. One way or another we’re all affected by smoking. Everyone either knows a smoker or is one themselves. We need to know more than we do, so this crucial study will shine a light on some of the unknowns. What difference does it make to the oral microbiome, for instance, if someone took up smoking as a teenager rather than coming to it later in life?”

Almost eighteen of every 100 U.S. adults aged 18 years or older currently smoke cigarettes. Although smoking rates in the U.S. have halved since 1964, the rate of decline has slowed. Smoking dropped from nearly 21 of every 100 adults in 2005 to nearly 18 of every 100 adults in 2013. Cigarette smoking is the leading cause of preventable disease and death in the United States, accounting for more than 480,000 deaths every year, or 1 in 5 of all deaths.

Dr. Zachary Apte, CTO and co-founder of uBiome, says the oral microbiome samples from smokers, ex-smokers and non-smokers will be scrutinized in the company’s state of the art laboratory. “Just ten years ago it would have cost millions of dollars to analyze just one single person’s microbiome. Our sequencing service, based on research from the NIH Human Microbiome Project, can now do it for $ 89. For the first time, this makes large-scale research like uBiome’s new smoking study possible.”

uBiome’s mission is to use big data to understand the human microbiome by giving consumers the power to learn about their bodies, perform experiments, and see how current research studies apply to them. uBiome was launched in 2012 by UCSF scientists and Stanford and Cambridge technologists after a crowd-funding campaign raised over $ 350,000 from citizen scientists, roughly triple the initial goal. uBiome is now funded by Andreesen Horowitz, Y Combinator, and other leading angel investors.

Those interested in participating in the uBiome tobacco smoking study and getting a free mouth microbiome kit can find details here:


Alexandra Carmichael


Ph: +1 415-691-7291



Ken Rees CEO of Elevate Credit Inc. Talks about the Importance of Technology in Financial Services in Sarder TV Interview

Ken Rees has a long career as an executive in the financial services industry, including being Chief Operating Officer of Think Finance Inc., CashWorks, InnoVentry, and is currently the CEO for Elevate Credit. In an exclusive interview with Sarder TV, the independent learning channel, Rees talks to Chitra Nawbatt, Sarder TV correspondent, about his career, the creation of his new company, effective leadership, and the importance of creating a learning culture in keeping a company vital and competitive.

“Ken Rees is a successful executive and entrepreneur and he has a lot to say about his field of financial services, the impact of technology in his industry and the importance of being a learning organization,” said Russell Sarder, CEO of NetCom Learning and creator of Sarder TV.

“We are excited to be able to offer this interview with Ken Rees as part of our learning video database so that others can learn from the experience of a successful entrepreneur and businessman,” said Sarder.

Ken Rees has spent almost his entire career in the financial services sector, much of it serving customers not well served by the traditional credit and banking industry. In the interview for Sarder TV, Rees talks about why it is important to provide financial services that allow individuals with poor credit backgrounds to get the credit they need while obtaining the ability to improve their credit history. According to Rees, his company, Elevate, helps customers gain access to free financial training and when they demonstrate responsible financial behavior they are rewarded with lower interest rates and additional products. Rees credits much of the success of his online company to being technology driven, allowing for the successful use of big data in innovative ways. These technological advances allow Elevate to use additional resources when making a decision to grants loan, other than the traditional use of credit scores. The Sarder TV interview with CEO Ken Rees provides an insiders view of the online consumer financial lending industry and demonstrates the importance of learning, technology and innovation to company success.

Sarder TV offers provoking, educational and candid interviews so that new entrepreneurs and aspiring business people can learn from them. The database is part of the international Learning Movement created by Russell Sarder to help spread knowledge and inspire a passion in lifelong learning. Operating on the premise that motivated individuals can learn from the experience, the success and the mistakes of others, Sarder TV provides a unique opportunity to see and hear influential personalities talk about the subjects that matter to them. Some of the past interviewees have included Ira Neimark, former CEO of Bergdorf Goodman, Susan Davis, CEO of BRAC USA, and Dan Hoffman, President and CEO of M5

Don’t miss this compelling and informative interview with Ken Rees at Sarder TV.

Sarder TV seeking additional leaders for interviews

Sarder TV is also seeking leaders to interview and is targeting leaders from Fortune 500 companies, and exceptional public figures like Bill Clinton, Oprah Winfrey, Jim Collins, Bill Gates, Warren Buffet and many more. According to the National Venture Capital Association, more than 30 percent to $ 600 million this year has been invested in Web-based education. For investors seeking an opportunity to participate in a multimillion dollar idea Sarder TV presents an excellent investment and is actively seeking investors. Several investors have already expressed an interest in this innovative idea. Investors interested in becoming a part of Sarder TV are invited to get in touch as well, contact us at here.

About Sarder TV

Sarder TV is a learning channel that contains a series of exclusive educational interview videos from top leaders in their industries, as well as motivational videos encouraging our public to succeed in their personal and professional lives, and many more. Russell Sarder, CEO of Sarder TV, has interviewed a series of leaders, who have shared their experiences and how they were able to achieve their success. Some of the names that Sarder has interviewed are: Ira Neimark, former CEO of Bergdorf Goodman; Russ Edelman, co-author of Nice Guys Can Get the Corner Office, Dan Hoffman, and David Hershfield, SVP Online Technology at RedCats.

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