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The annual list of the top 10 consumer complaints is out, and it features familiar scams. Once again, the report is a good reminder to be careful. Some of the scams have become more sophisticated, with more high-tech ways of stealing your money. Topping the list are auto complaints, including misrepresentations in advertising or sales, faulty repairs, and leasing and towing disputes. In second place are complaints about credit and debt. The category includes mortgage modifications and mortgage-related fraud, credit-repair schemes, debt-relief services, predatory lending, and illegal or abusive debt-collection tactics. The five fastest-growing complaints are about fraud, debt-collection abuses, do-not-call violations, mortgage-related issues, and problems that people have had with both legitimate and sham home-improvement companies. New to the list this year are real-estate-related complaints. Hard times have left many people wanting to dump their timeshares, or at least get out from under yearly maintenance fees they can no longer afford. This desperation on the part of timeshare owners has been a boon to schemers. In one such swindle, "timeshare resellers" tell folks they can help them unload their unwanted properties and ask for an upfront fee for the service. I'm sure you can guess what happens. No buyers are found, no help is really offered and people are out of their money, stuck with a timeshare they can't afford. But then another timeshare crook swoops in to add insult to financial injury. Timeshare recovery companies offer to help owners get back the funds lost to resellers. They ask for an upfront fee. It's a double financial whack because this, too, turns out to be a scam.

It can sometimes feel as if South Korea, overworked, overstressed and ever anxious, is on the verge of a national nervous breakdown, with a rising divorce rate, students who feel suffocated by academic pressures, a suicide rate among the highest in the world and a macho corporate culture that still encourages blackout drinking sessions after work. More than 30 South Koreans kill themselves every day, and the suicides of entertainers, politicians, athletes and business leaders have become almost commonplace. The recent suicides of four students and a professor at Korea's leading university shocked the nation, and in recent weeks a TV baseball announcer, two professional soccer players, a university president and the former lead singer in a popular boy band killed themselves. And yet Koreans - while almost obsessively embracing Western innovations ranging from smartphones to the Internet to cosmetic surgery - have largely resisted Western psychotherapy for their growing anxieties, depression and stress. Talk-therapy modalities with psychiatrists, psychologists and other types of trained counselors are only slowly being accepted, according to mental health experts here. "Talking openly about emotional problems is still taboo," said Dr. Kim Hyong-soo, a psychologist and professor at Chosun University in Kwangju. "With depression, the inclination for Koreans is to just bear with it and get over it," he said. "If someone goes to a psychoanalyst, they know they'll be stigmatized for the rest of their life. So they don't go." Mental health experts said many troubled South Koreans seek help from private psychiatric clinics (and pay their bills in cash) so their government-insurance records do not carry the stigma of a "Code F," signifying someone who has received reimbursement for such care. Even when Koreans do seek out counseling, the learning curve can be steep. A prominent psychiatrist with a practice in Seoul, Jin-seng Park, said it was not unc

According to a study conducted at Case Western Reserve University School of Medicine, among teens with substance use disorders, those who also have social anxiety disorder begin using marijuana at a mean age of 10.6 years - an average of 2.2 years earlier than teens without anxiety. "This finding surprised us," said principal investigator Alexandra Wang, a third-year medical student at the university. "It shows we need to start earlier with prevention of drug and alcohol use and treatment of social phobia [in children]." The study was consisting of 195 teens ages 14 to 18 which 102 of them or 52 percent \ were teenage girls. They met the current diagnosis of substance use disorder and had received medical detoxification if needed. The researchers evaluated the participants' history of drug and alcohol use and digged into whether they'd had any of three anxiety disorders: social anxiety disorder, panic disorder, and agoraphobia. Out of 195 teens, 92 percent had marijuana dependence and the most disturbing part was it is starting at the age of 13 years. And on the other hand, 61 percent were alcohol-dependent, having started drinking at 13.5 years on average. This shows that marijuana was the most popular drug of choice. Teens with either social anxiety disorder or panic disorder were far more likely to have marijuana dependence, Wang said. Before marijuana dependence both of these disorders were more likely to occur. More or less 80 percent of teens suffering from social anxiety disorder and 85 percent with panic disorder had symptoms of that disorder previous to the onset of their substance abuse. In addition, panic disorder has a propensity to start before alcohol dependence and came about in 75 percent of alcohol-dependent adolescents. According to the authors, there was no clear evidence showing whether agoraphobia came before or after either marijuana use or the first drink. A limitation of the study, according to the research team, was that 12

A limitation of the study, according to the research team, was that 128 (66 percent) of the teens were juvenile offenders who had received court-referred treatment for their substance abuse. These findings might not generalize to a less severely addicted population. Yet again, interventions to lessen social anxiety might help avoid substance abuse in teens. "We need to treat these young patients initially with non-pharmacologic means, such as cognitive behavioral therapy or mindfulness meditation," said Christina Delos Reyes, M.D., a psychiatrist specializing in addictions at University Hospitals Case Medical Center. Patrick Bordeaux, M.D., a child and adolescent psychiatrist in Quebec, Canada, said that "comorbidities tend to be the rule in adolescents, not the exception." "Adolescents are more likely to have social and mental disorders that make them more likely to use drugs," said Bordeaux, who was not involved with the study. Source Link: http://springhillgroupcounselling.tumblr.com/

Embattled Rupert Murdoch's empire, News Corp. appears to be planning a spin-off of its core businesses. Its own flagship newspaper, The Wall Street Journal, has reported this week that the company's board is considering a proposal that will make its publishing arm into a separate company. Springhill Group Home analysts expect such separation of assets would appease regulators and could help it to avoid selling a USD 6.9 billion stake. Fortunately, the same became true for investors as the announcement was met with the rallying of News Corp's stock to 8.3% high - the highest level it has reached since 2007. "News Corp. has one of the best TV businesses, but some people like musty, dusty publishing companies that pay great dividends. It's a good thing for shareholders." said an analyst from Lazard Capital. The media conglomerate has not yet specified which business units would be grouped together but the company is reportedly mulling to separate the entertainment operations from the book and newspaper publishing one.

GPS jamming signals coming from North Korea has forced South Korea to order its military and civilian air transports to switch on alternative navigational devices to avoid disruption. A statement from the ministry has confirmed that they were able to warn airlines and pilots of the 241 affected South Korean flights along with the 11 foreign airlines like Thai Airways, AirPhil, FedEx, Japan Airlines and Cathay Pacific Airways. But even as the GPS jamming signals continued, South Korea sees no serious threat to navigational safety. Korea Communications Commission confirmed that the GPS jamming signals have been coming from a city on North Korea side of the border. "We've traced the jamming signals to the direction of Kaesong," a commission deputy director told Springhill Group. According to the transport agency, planes that suffered from GPS signal jamming were instructed to use the alternative navigation systems and were not delayed in their schedules. The signal jamming appears to be focused on air traffic at Gimpo and Incheon airports, both of which are around 30 miles from the border.