3 Lower-Risk Ways to Invest in Health Care

Sector exchange-traded funds, or ETFs, allow nervous investors to sample from the fast-paced health care industry with lessened risk. But how do you choose the best health care ETF for your portfolio?

ETFs exist for every aspect of the health care industry including medical devices and insurance companies. But the standouts focus on either a mix of drugmakers and biotechs or an all-biotech buffet.

Here are three sector ETFs to consider.

1. A broad bundleVanguard Health Care ETF (NYSEMKT: VHT) tracks the MSCI US IMI Health Care 25/50. The ETF contained 293 stocks as of the last quarter. Pharmaceuticals accounted for more than 40% of the holdings, with biotech coming in second with 19.4%. That's reflected in the five largest holdings: Johnson and Johnson, Pfizer, Merck, Gilead (NASDAQ: GILD) , and Amgen. Vanguard's ETF is up 27.74%, as of September 5 pre-market.

This ETF has a well-balanced top five. Johnson and Johnson, Pfizer, and Merck are all Dogs of the Dow , and the former two in particular have enough segments to withstand a hit here and there.

Gilead is up more than 100% in the past year. The company stands at the forefront of the much-anticipated all-oral hepatitis C treatments and has historically led the market in HIV drugs. Amgen leads a new class of cholesterol medications that could step in where statins fail.

The ETF has an expense ratio of 0.14% and an average volume of around 170,000. Vanguard offers commission-free trading on its ETFs.

2. Large piece of biotechSPDR S&P Biotech ETF (NYSEMKT: XBI) tracks the S&P Biotechnology Select Industry Index. Holdings include 56 biotech companies with Alnylam, Incyte, and NPS Pharmaceuticals at the top. The ETF is up 42.59% year-to-date.

The ETF's top holdings represent companies still on the brink of breaking out in a big way. Alnylam's potential lays in its RNAi therapeutics and discovery methods, which could revolutionize the biotech industry. The company has a 5x15 program, which hopes to have five drugs in clinical development before 2015. Incyte focuses on cancer and inflammation treatments,and its stockpopped last month following positive mid-stage trials for metastatic pancreatic cancer. NPS had a strong launch for its short-bowel syndrome treatment and should soon submit regulatory paperwork for a hypoparathyroidism treatment.

This biotech spider has a gross expense ratio of 0.35% and an average volume of around 305,000.

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3 Lower-Risk Ways to Invest in Health Care

Earn $8,000 or More with Our Twelve Weeks to Financial Freedom Plan YouTube – Video


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RoboCop Trailer Unleashed! Here Are Five Things You Need to Know About the Cyborg Reboot

He's part man, part machine and all remake.

The trailer for the long-delayed RoboCop reboot has finally hit the web, and by the looks of it, MGM and Columbia's 2014 version is taking its cues right out of the Christopher Nolan playbook.

E! News runs down the five biggest differences between the new, Jos Padilha-directed RoboCopas seen hereversus Paul Verhoeven's 1987 sci-fi pulp classic:

PHOTO: RoboCop's bike revealed!

1. RoboCop Begins: By putting an up-and-coming star into the main role, surrounding him with an all-star cast of acclaimed character actors and shooting for an expected PG-13 rating, Padilha apparently hopes to replicate the massive critical and commercial success Nolan earned with his Dark Knight trilogy. While that may win the franchise a wider, more family-friendly audience, a watered-down, less bloody RoboCop runs the risk of alienating the diehards that found the Rated-R original such a guilty pleasure and made it a box office hit. Already, Netizens are slamming the reboot as an uninspired Hollywood retread and it will be up to the Brazilian filmmaker best known for the foreign documentary Bus 174 to prove them wrong.

2. Murphy Lives! In the first film, Peter Weller starred as Detroit police officer Alex Murphy, who in the year 2028 is pronounced dead after being brutally attacked by crime boss Clarence Boddicker and his thugs, only to be resurrected as the robot crime fighter. In this one, Murphy is portrayed by The Killing's Joel Kinnaman, but this time, his character survives a car bombing. Murphy's fate is also a subtle allusion to the current plight of many American servicemen injured in the wars in Iraq and Afghanistan.

NEWS: RoboCop first look: Cyborg's black suit snapped on set

3. It's Got Batman! Furthering the Batman analogy, Padilha casts Michael Keaton in the role of villain Raymond Sellars, the CEO of OmniCorp., the all-powerful corporation that creates our cyborg hero. Of course, Sellars aims to use Murphy to his own nefarious ends by turning him into a weapon he can deploy at his disposal. Fanboys have decried the filmmaker's decision to lose the old school silver metal armor suit in favor of all-black "tactical" look. And who better to give RoboCop that big-screen makeover than the guy who played the original Dark Knight in Tim Burton's 1989 Batman?

4. Did We Mention Gary Oldman?! The erstwhile Commissioner Gordon plays the pivotal role of Dr. Dennett Norton, the scientist who puts humpty dumpty Murphy back together again after the latter sustains "4th degree burns over 80 percent of his body," as he notes. Once again, Oldman is seemingly playing a good guy, who we imagine will likely serve as a father figure/mentor for our protagonist's journey (which the 1987 version didn't have). Morgan Freeman, alas, isn't in it, but joining Oldman is Samuel L. Jackson as a media mogul and the ever-creepy Jackie Earle Haley playing Maddox, a military man who trains RoboCop. And based on this teaser, we've a gut feeling the latter's character is going to be doing Sellars' dirty work the way Kurtwood Smith's Clarence did the same for Ronny Cox's OCP President Dick Jones in the original.

PHOTOS: Check out the hunkiest hotties of sci-fi

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RoboCop Trailer Unleashed! Here Are Five Things You Need to Know About the Cyborg Reboot

PBC to renourish miles of beaches

PALM BEACH COUNTY - So many Palm Beach County beaches are critically eroded and in need of re-nourishment the county is asking the state to pitch in to pick up the costs of some of the work ahead.

Palm Beach County commissioners will meet next week to put together a request for funding from the state.

It's the first of many steps to complete the project.

Beaches that are up for re-nourishment span from Jupiter and Tequesta, down to Boca Raton.

Work will begin in a few months to restore the beaches. The county will spend millions of dollars to bring in sand and fix up the shoreline.

This is a large undertaking that is only done every seven to ten years on this scale.

After the re-nourishment is complete, the county will have to pay for annual upkeep.

That's why it's asking for the state to chip in as much as $2.8 million.

"Most of our beaches are as eroded as they can possibly be right now. That is all going to change come January, February. All of our beaches are going to be built out to the maximum template, which is what we want to see. If a storm like Sandy hits, we will deal with it." said Leanne Welch, with Palm Beach County Environmental Resources Management.

It will be some time before the county knows just how much of the $2.8 million is coming to Palm Beach County.

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PBC to renourish miles of beaches

Artificial intelligence first topic in speaker series

Geneva Public Library Submitted column September 6, 2013 3:16PM

Larry Bartoszek will open the Geneva Library Foundation Speaker Series on Sept. 25 with a discussion of Human and Artificial Intelligence Are we building new tools or new people? | Submitted

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Artificial intelligence first topic in Geneva speaker series

Updated: September 6, 2013 3:24PM

Join us for our fall kickoff Sept. 25 to the highly successful speaker series when Larry Bartoszek walks us through the current research on artificial intelligence.

We will be introduced to current concepts and ideas about intelligence, robotics and nanotechnology. We will be asked to think about what it means to be human, so that if or when new intelligent things appear, we can decide how to treat them.

Here are some of the questions Bartoszek will ask us:

Is human intelligence different from everything else in the world, or just another product of evolution?

How do we know who has consciousness? Can it be rigorously defined and identified?

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Artificial intelligence first topic in speaker series

WDL Aviation British Aerospace 146-300 [D-AWBA] Landing @ Berlin-Tegel 06.07.2013 (HD) – Video


WDL Aviation British Aerospace 146-300 [D-AWBA] Landing @ Berlin-Tegel 06.07.2013 (HD)
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WDL Aviation British Aerospace 146-300 [D-AWBA] Landing @ Berlin-Tegel 06.07.2013 (HD) - Video