Attention deficit hyperactivity disorder (ADHD) is one of the most common childhood disorders and can continue through adolescence and adulthood. Symptoms include difficulty staying focused and... More > paying attention, difficulty controlling behavior, and hyperactivity (over-activity).
Treatments can relieve many of the disorder’s symptoms, but there is no cure. With treatment, most people with ADHD can be successful in school and lead productive lives. Researchers are developing more effective treatments and interventions, and using new tools such as brain imaging, to better understand ADHD and to find more effective ways to treat and prevent it.< Less
Foreign economic collection and industrial espionage against the United States represent significant and growing threats to the nation’s prosperity and security. Cyberspace—where most... More > business activity and development of new ideas now takes place—amplifies these threats by making it possible for malicious actors, whether they are corrupted insiders or foreign intelligence services (FIS),< Less
The average household spends more than $2,200 a year on energy bills, with nearly half of this going to heating and cooling costs. The U.S. Environmental Protection Agency (EPA) can help you make... More > smart decisions about your home’s heating, ventilating, and air conditioning (HVAC) system that can help save on energy costs, improve your overall comfort at home, and help fight global warming.
ENERGY STAR is the government-backed program that helps us all save money and protect our environment with energy-efficient products and practices. Whether you are looking for recommendations about energy-efficient equipment, getting a quality installation, HVAC maintenance, or ways to make your heating and cooling system operate more efficiently, EPA’s ENERGY STAR program can help.< Less
This everyday guide to being a smart shopper is full of helpful tips about preventing identity theft, understanding credit, filing a consumer complaint, and more.
Don’t share personal... More > information with someone you don’t know or trust. Learn how to recognize fraud.
Beware of payday and tax refund loans. Interest rates on these loans are usually excessive. A cash advance on a credit card may be a better option.
Read and understand any contract or legal document you are asked to sign. Do not sign a contract with blank spaces or where the terms are incomplete.< Less
This is an extraordinary time for health care in our Nation’s history. We are working to make sure you have health care you can depend on—care that’s focused on you, and is safe,... More > effective, and timely, at a cost you can afford. You may have heard about some of the exciting new changes Medicare has been making to help improve your health care—like more free preventive services and lower prescription drug costs.< Less
Over the past decade, American investors increasingly have turned to mutual funds to save for retirement and other financial goals. Mutual funds can offer the advantages of diversification and... More > professional management. But, as with other investment choices, investing in mutual funds involves risk. And fees and taxes will diminish a fund’s returns. It pays to understand both the upsides and downsides of mutual fund investing and how to choose products that match your goals and tolerance for risk.
This book explains the basics of mutual fund investing, how mutual funds work, what factors to consider before investing, and how to avoid common pitfalls.< Less
Neighborhood Watch is one of the oldest and best-known crime prevention concepts in North America. In the late 1960s, an increase in crime heightened the need for a crime prevention initiative... More > focused on residential areas and involving local citizens. The National Sheriffs’ Association (NSA) responded, creating the National Neighborhood Watch Program in 1972, to assist citizens and law enforcement. In the aftermath of the September 11, 2001 terrorist attacks, strengthening and securing communities has become more critical than ever. Neighborhood Watch programs have responded to the challenge, expanding beyond their traditional crime prevention role to help neighborhoods focus on disaster preparedness, emergency response, and terrorism awareness.< Less
Written primarily for students and their parents living in New York, the College Planning Handbook is still pertinent for all high school students and their parents. It is also beneficial to those... More > who have completed High School but have not yet decided on whether or not to attend college.
Whether you are just beginning to think about your goals for the future, or have already started planning for college, we hope this handbook will help you think about how college fits into your life after high school. While the process of planning for college can be challenging, when you have the information you need, we believe it can also be an exciting and rewarding experience.< Less
Adjustable-rate mortgages (ARMs) are loans with interest rates that change. ARMs may start with lower monthly payments than fixed rate mortgages, but keep the following in mind:
Your monthly... More > payments could change. They could go up—sometimes by a lot—even if interest rates don’t go up.
Your payments may not go down much, or at all—even if interest rates go down.
You could end up owing more money than you borrowed—even if you make all your payments on time.
If you want to pay off your ARM early to avoid higher payments, you might have to pay a penalty.< Less
Do you want to reach new customers in the China market? China’s economy continues to tick along with no discernible drop in growth even as their impressive stimulus package wound down in 2010.... More > Many economic experts predict the Chinese economy will continue to grow at or above 9 percent for the next few years – a rate higher than the targeted growth rate of 8 percent announced by Premier Wen Jiabao at the March 2011 National People’s Congress. Macro economics aside, China is a relevant market for American businesses of all sizes in all industries. U.S. firms exported more than $91 billion to China in 2010 with U.S. products, services and technology playing an important role both in China’s development and in U.S. economic growth.< Less