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Friday, January 4, 2013

Mortgage Applications Decrease in Final Two Weeks of the Year ...

WASHINGTON, D.C. ? January 03, 2012 ? (RealEstateRama) ? The Mortgage Bankers Association (MBA) today released its Weekly Mortgage Application Survey for the two weeks ending December 21, 2012 and December 28, 2012.

Mortgage applications for the week ending December 28, 2012 decreased 21.6 percent from the week ending December 14, 2012 (two weeks prior), according to data from the Mortgage Bankers Association?s Weekly Mortgage Applications Survey. The results include an adjustment to account for the Christmas holiday last Tuesday.

The Refinance Index decreased 23.3 percent compared to the week ending December 14, 2012. The refinance index fell for three consecutive weeks, with the week ending December 28, 2012 at the lowest level since April 2012. The seasonally adjusted Purchase Index decreased 14.8 percent compared with levels reported two weeks ago.

The refinance share of mortgage activity remained the same at 82 percent of total applications for the two weeks.

For the week ending 12/28/12, the average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($417,500 or less) increased to 3.52 percent from 3.51 percent, with points increasing to 0.48 from 0.45 (including the origination fee) for 80 percent loan-to-value ratio (LTV) loans. The effective rate increased from the previous week.

For the week ending 12/28/12, the average contract interest rate for 30-year fixed-rate mortgages with jumbo loan balances (greater than $417,500) decreased to 3.75 percent from 3.77 percent, with points decreasing to 0.30 from 0.32 (including the origination fee) for 80 percent LTV loans. The effective rate decreased from the previous week.

For the week ending 12/28/12, the average contract interest rate for 30-year fixed-rate mortgages backed by the FHA decreased to 3.34 percent from 3.35 percent, with points increasing to 0.61 from 0.58 (including the origination fee) for 80 percent LTV loans. The effective rate increased from the previous week.

For the week ending 12/28/12, the average contract interest rate for 15-year fixed-rate mortgages increased to 2.86 percent from 2.84 percent, with points increasing to 0.27 from 0.21 (including the origination fee) for 80 percent LTV loans. The effective rate increased from the previous week.

For the week ending 12/28/12, the average contract interest rate for 5/1 ARMs decreased to 2.65 percent from 2.66 percent, with points increasing to 0.42 from 0.33 (including the origination fee) for 80 percent LTV loans. The effective rate increased from the previous week.

If you would like to purchase a subscription of MBA?s Weekly Applications Survey, please visit www.mortgagebankers.org/WeeklyApps, contact or click here.

The survey covers over 75 percent of all U.S. retail residential mortgage applications, and has been conducted weekly since 1990. Respondents include mortgage bankers, commercial banks and thrifts. Base period and value for all indexes is March 16, 1990=100.

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The Mortgage Bankers Association (MBA) is the national association representing the real estate finance industry, an industry that employs more than 280,000 people in virtually every community in the country. Headquartered in Washington, D.C., the association works to ensure the continued strength of the nation?s residential and commercial real estate markets; to expand homeownership and extend access to affordable housing to all Americans. MBA promotes fair and ethical lending practices and fosters professional excellence among real estate finance employees through a wide range of educational programs and a variety of publications. Its membership of over 2,200 companies includes all elements of real estate finance: mortgage companies, mortgage brokers, commercial banks, thrifts, Wall Street conduits, life insurance companies and others in the mortgage lending field. For additional information, visit MBA?s Web site: www.mortgagebankers.org.

Mortgage Applications Decrease in Latest MBA Weekly Survey
WASHINGTON, D.C. - August 8, 2012 - (RealEstateRama) -- Mortgage applications decreased 1.8 percent from one week earlier, according to data from the Mortgage Bankers Association?s (MBA) Weekly Mortgage Applications Survey for the week ending August 3, 2012....

Mortgage Applications Decrease in Latest MBA Weekly Survey
WASHINGTON, D.C. - October 17, 2012 - (RealEstateRama) -- Mortgage applications decreased 4.2 percent from one week earlier, according to data from the Mortgage Bankers Association?s (MBA) Weekly Mortgage Applications Survey for the week ending October 12, 2012. This week?s results include an adjustment to account for the Columbus Day holiday....

Mortgage Applications Decrease in Latest MBA Weekly Survey
WASHINGTON, D.C. - November 21, 2012 - (RealEstateRama) -- Mortgage applications decreased 2.2 percent from one week earlier, according to data from the Mortgage Bankers Association?s (MBA) Weekly Mortgage Applications Survey for the week ending November 16, 2012. This week?s results include an adjustment to account for the Veteran?s Day holiday....

Mortgage Applications Decrease in Latest MBA Weekly Survey
WASHINGTON, D.C. - August 15, 2012 - (RealEstateRama) -- Mortgage applications decreased 4.5 percent from one week earlier, according to data from the Mortgage Bankers Association?s (MBA) Weekly Mortgage Applications Survey for the week ending August 10, 2012....

Mortgage Applications Decrease in Latest MBA Weekly Survey
WASHINGTON, D.C. - October 24, 2012 - (RealEstateRama) -- Mortgage applications decreased 12.0 percent from one week earlier, according to data from the Mortgage Bankers Association?s (MBA) Weekly Mortgage Applications Survey for the week ending October 19, 2012....

Thursday, January 3, 2013

Video: Senator Inouye discusses discrimination on Meet the Press

Previewing the Next Big Fight

The battle lines for the next fight were already being drawn before the members of the 113th Congress were sworn into office. Can Washington tackle the tough issues ahead, like raising the country's debt limit, in such a politically charged environment. ?And at what cost to the nation??Plus: Turmoil in the Republican party as even the party's leadership split their votes on the final deal. Has Speaker Boehner's power diminished in the wake of this bruising fight? Joining us: Freshman Senator from Maine Angus King (I-ME), former Speaker of the House Newt Gingrich (R-GA), Vice Chair of the House Democratic Caucus Rep. Xavier Becerra (D-CA), former head of HP and Vice Chair of the NRSC Carly Fiorina, and Washington Post columnist E.J. Dionne.

Source: http://www.msnbc.msn.com/id/3032608/vp/50354514#50354514

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Electric stimulation of brain releases powerful, opiate-like painkiller

Jan. 2, 2013 ? Researchers used electricity on certain regions in the brain of a patient with chronic, severe facial pain to release an opiate-like substance that's considered one of the body's most powerful painkillers.

The findings expand on previous work done at the University of Michigan, Harvard University and the City University of New York where researchers delivered electricity through sensors on the skulls of chronic migraine patients, and found a decrease in the intensity and pain of their headache attacks. However, the researchers then couldn't completely explain how or why.

The current findings help explain what happens in the brain that decreases pain during the brief sessions of electricity, says Alexandre DaSilva, assistant professor of biologic and materials sciences at the U-M School of Dentistry and director of the school's Headache & Orofacial Pain Effort Lab.

In their current study, DaSilva and colleagues intravenously administered a radiotracer that reached important brain areas in a patient with trigeminal neuropathic pain (TNP), a type of chronic, severe facial pain. They applied the electrodes and electrically stimulated the skull right above the motor cortex of the patient for 20 minutes during a PET scan (positron emission tomography). The stimulation is called transcranial direct current stimulation (tDCS).

The radiotracer was specifically designed to measure, indirectly, the local brain release of mu-opioid, a natural substance that alters pain perception. In order for opiate to function, it needs to bind to the mu-opioid receptor (the study assessed levels of this receptor).

"This is arguably the main resource in the brain to reduce pain," DaSilva said. "We're stimulating the release of our (body's) own resources to provide analgesia. Instead of giving more pharmaceutical opiates, we are directly targeting and activating the same areas in the brain on which they work. (Therefore), we can increase the power of this pain-killing effect and even decrease the use of opiates in general, and consequently avoid their side effects, including addiction."

Most pharmaceutical opiates, especially morphine, target the mu-opioid receptors in the brain, DaSilva says.

The dose of electricity is very small, he says. Consider that electroconvulsive therapy (ECT), which is used to treat depression and other psychiatric conditions, uses amperage in the brain ranging from 200 to 1600 milliamperes (mA). The tDCS protocol used in DaSilva's study delivered 2 mA, considerably lower than ECT.

Just one session immediately improved the patient's threshold for cold pain by 36 percent, but not the patient's clinical, TNP/facial pain. This suggests that repetitive electrical stimulation over several sessions are required to have a lasting effect on clinical pain as shown in their previous migraine study, DaSilva says.

The manuscript appears in the journal Frontiers in Psychiatry. The group just completed another study with more subjects, and the initial results seem to confirm the findings above, but further analysis is necessary.

Next, researchers will investigate long-term effects of electric stimulation on the brain and find specific targets in the brain that may be more effective depending on the pain condition and patients' status. For example, the frontal areas may be more helpful for chronic pain patients with depression symptoms.

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The above story is reprinted from materials provided by University of Michigan.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.

Journal Reference:

Marcos Fabio Dos Santos, Tiffany M. Love, Ilkka Kristian Martikainen, Thiago Dias Nascimento, Felipe Fregni, Chelsea Cummiford, Misty Dawn Deboer, Jon-Kar Zubieta, Alexandre F. M. DaSilva. Immediate Effects of tDCS on the ?-Opioid System of a Chronic Pain Patient. Frontiers in Psychiatry, 2012; 3 DOI: 10.3389/fpsyt.2012.00093

Note: If no author is given, the source is cited instead.

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/~3/wWJ2V9JXBQs/130102104553.htm

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Wednesday, January 2, 2013

Make 2013 Your Best Year Ever | Overnight Sensation - Public ...

Happy 2013! There?s something about the New Year that causes us to use it as a milestone for starting over. Perhaps it?s the act of replacing our desk or wall calendars or maybe it?s the fact that it?s a new tax and financial period. Whatever the reason, most of us use this opportunity to drop old bad habits and pick up new good ones.
If you?re not sure what to do for your resolution, here are some ideas to get you started.

1. Quit drinking/smoking/over-eating.

Yes, these are almost clich? as they are incredibly common. But they are not only on this list but first on this list because this change can actually save your life and help ensure that you?re here next year to celebrate 2014. Without your health, you have nothing. Like the old joke about how much money the billionaire left when he died (all of it), you can always find ways to make money, you can?t always repair your health. So if you?re going down the wrong road health wise, now is a great time to change direction.

2. Finish a project that you?ve struggled to make time for.

This past November I participated in NaNoWriMo ? National Novel Writing Month. I had been kicking around an idea for a novel for over three years and took the opportunity to complete my first draft. One of my goals for 2013 is to complete the novel before I start its sequel this coming November.

3. Repair a damaged relationship.

?Should old acquaintance be forgot, and never brought to mind?? How can we forget those famous lyrics to Auld Lang Syne which many interpret as a call to let bygones be bygones? If there?s someone (or some people) that you need to mend your relationship with, make it a priority to try it this year. Send them a letter or postcard or give them a call. You might be surprised at how the hostility can die down over time.

4. Begin an exercise routine.

This is along the same lines as the first item in the list and probably tied for most common resolution. Gym regulars often take the first week of the year off because gyms get crowded with new members. Of course, most stop going by February 1st while many stop after the first week. If you choose to do this, it?s helpful to pace yourself and make it part of your routine. Try for 3 days a week and put the time in your calendar ? set reminders for yourself. If you can keep it up for two full months, odds are that you?ll keep it up for the year.

5. Go on a diet.

Another twist on the first item. People toss out the junk food and try to eat healthy. It?s much easier said than done. If you?re truly dedicated to lose weight, try for 1 to 2 pounds a week which you can easily do by making small changes such as eating a salad with one meal each day and substituting water for soda.

6. Learn a new skill.

Buy a book, sign up for a course or find an online tutorial. You can choose something to help move your career forward such as something related to your job, or you can do something fun like learning a new language or how to snowboard.

7. Make a career change.

If you?re frustrated or unfulfilled with your job, perhaps it?s time to consider a change. Talk to a career counselor (in the US, each state has a department of employment or similar agency and there?s also the Small Business Administration that offers these services for free). Check with the alumni office of your high school or college to see if they offer these services. Or, do some research by talking to people who have the job or work at the company that you want to work at. If you want to go off on your own and start a business, contact SCORE or the Small Business Association.

8. Focus on a goal.

If you want to buy a house, meet that special someone or get that car you?ve been dreaming of, now?s your chance. Write down your goal and look at it every morning when you get up and each night as you go to bed. Create an action plan. Ask yourself what steps you need to take to reach your goal and break them down into smaller tasks that you can manage.

9. Deal with a fear or phobia.
If a fear or phobia is holding you back, perhaps it?s time to nip it in the bud. A number of people who have used my public speaking and networking programs have done so because their fears of speaking or meeting people have prevented them from moving to the next level in their career. If a fear of flying is preventing you from traveling or a social fear is preventing you from making the connections you desire, then this might be a great opportunity to do something about it.

10. Do something that makes you happy.

Sometimes, we feel so pressured to be productive and work harder that we lose sight of the fact that there is more to life than professional success. In 2012, I cut back on the amount of classes I taught, took a few months off from blogging and social media and didn?t create any new products. While I did work on some other projects that I hadn?t been able to get to, I also used that time to take a few vacations, spend extra time with friends and family and do more of the things I love. I went to the circus for the first time, did a lot of work on my house, got my home and finances in order and even found myself out until 1 AM having the time of my life with good friends a half dozen times. Yes, there are times when I miss having the extra money I could have earned, but I wouldn?t trade it for the memories I made.

So as you start your journey into 2013, think about the type of year you want to have. Now is your chance to make 2013 the best year ever so go for it.

Check out these Related posts:

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A Defeat Every Now And Then Can Be a Good ThingEarly in my career as a professional speaker, I made...
Nighttime CourageI couldn?t sleep one night last week so to be...

Source: http://blog.jvf.com/2013/01/01/make-2013-your-best-year-ever/

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Egypt prosecutors investigate popular TV comedian

In this Saturday Dec. 8, 2012 photo, Egyptian TV host Bassem Youssef addresses attendants at a gala dinner party in Cairo, Egypt. Egyptian prosecutors launched an investigation on Tuesday against Youssef a popular television satirist for allegedly insulting the president in the latest case raised by Islamist lawyers against outspoken media personalities. The case against Youssef comes as opposition media and independent journalists are growing increasingly worried about press freedoms under a new constitution widely supported by Morsi and his Islamist allies. (AP Photo/Ahmed Omar)

CAIRO (AP) ? Egyptian prosecutors launched an investigation on Tuesday against a popular television satirist for allegedly insulting the president in the latest case raised by Islamist lawyers against outspoken media personalities.

Lawyer Ramadan Abdel-Hamid al-Oqsori charged that TV host Bassem Youssef insulted President Mohammed Morsi by putting the Islamist leader's image on a pillow and parodying his speeches.

The case against Youssef comes as opposition media and independent journalists are growing increasingly worried about press freedoms under a new constitution widely supported by Morsi and his Islamist allies.

Other cases have been brought against media personalities who have criticized the president. Some of the cases have ended with charges being dropped. Morsi's office maintains that the president has nothing to do with legal procedures against media critics.

On Tuesday, the independent daily Al-Masry Al-Youm, one of Egypt's most widely circulated newspapers, said Morsi's office filed a complaint accusing it of "circulating false news likely to disturb public peace and public security and affect the administration."

The paper had published a report earlier this week attributed to sources saying that Morsi was due to visit the hospital where ousted President Hosni Mubarak is receiving treatment after being injured in his prison cell. Mubarak is serving a life sentence for failing to stop the killing of nearly 900 protesters during the uprising against him.

A visit by Morsi would have enflamed public anger. The paper later updated the story to say that Morsi's wife had only visited a relative in that hospital.

The paper said a reporter and an editor were summoned for interrogation.

A local committee of journalists and editors has called for stronger guarantees of press freedoms and a rejection of the current constitution, fearing it allows for jailing journalists under broadly-worded articles regarding media offenses.

Authorities ordered the closure of TV station "Al-Fareen" last summer after bringing its owner, Tawfiq Okasha, to trial for scathing attacks against Morsi and his Brotherhood group. Okasha had emerged as one of the most popular TV personalities of post-Mubarak Egypt by railing against the uprising that toppled Mubarak's 29-year rule in February 2011.

Another prominent case was directed at the editor of a prominent opposition newspaper, al-Dustour, who has since stepped down. He went on trial briefly for "spreading lies" and fabricating news.

Youssef, a doctor, catapulted to fame when his video blogs mocking politics received hundreds of thousands of hits shortly after the 2011 uprising that toppled longtime leader Mubarak.

Youssef's program is modeled after Jon Stewart's "The Daily Show," where he has appeared as a guest.

Unlike other local TV presenters, Youssef uses satire to mock fiery comments made by ultraconservative clerics and politicians, garnering him a legion of fans among the country's revolutionaries and liberals.

Among his most popular clips are the ones where he pokes fun at the president's speeches and decisions.

While holding a red, furry pillow with Morsi's picture on it, Youssef satirizes Morsi's style of speech.

"He tells us things we never knew," he says, before wordy clips of Morsi going into detail about the day of the week and other basic facts.

"It's October 6! Tell us when it's Christmas!" Youssef shouts to the camera as the audience erupts in laughter and applause.

Youssef, 38, is one of Egypt's most popular TV presenters with 1.4 million fans on Facebook and nearly 850,000 followers on Twitter, just shy of the president's number of followers.

Also Tuesday, police said they arrested a suspect in a shooting that seriously wounded a protester in Cairo's central Tahrir Square, where an open-ended sit-in protesting the Morsi regime is taking place.

According to witnesses, before dawn on Monday, gunmen shot and wounded 19-year-old Muhanad Samir, who has said he was jailed and tortured under Egypt's former ruling military council after he witnessed the killing of another activist. Lawyers say the attacked appeared to target Samir, who is battling for his life with pellets embedded in his head.

Security officials dismiss allegations Samir was the victim of a political assassination. On Tuesday, they said they arrested the owner of a cafe in downtown Cairo who told police that he fired on the square after people manning makeshift checkpoints there searched his car and shot at him. The officials spoke anonymously in line with regulations.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2013-01-01-Egypt/id-35ddb3c187e84bdaa091c88d4958d669

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Tuesday, January 1, 2013

House faces test on fiscal cliff deal

Vice President Joe Biden gives two thumbs up following a Senate Democratic caucus meeting about the fiscal cliff??

Updated 4:25 pm ET

A hard-fought bipartisan compromise passed in the Senate early Tuesday to spare all but the richest Americans from painful income-tax hikes teetered on the edge of collapse as angry House Republicans denounced its lack of spending cuts.

While House Speaker John Boehner considered whether to bring the Senate-passed measure to the floor for a vote Tuesday, Majority Leader Eric Cantor told fellow Republicans in a closed-door meeting that he opposed the legislation negotiated by Vice President Joe Biden and Republican Senate Minority Leader Mitch McConnell and passed by the Senate 89-8 shortly after 2 a.m.

Cantor told the group he could not back the bill in its current form, according to two officials in the room, which could leave open the possibility of an attempt to modify the package and send it back to the upper chamber. But Democrats there have signaled that changing the compromise risks killing it.

A report released by the Congressional Budget Office Tuesday complicated matters further still. The nonpartisan group "scored" the Biden-McConnell compromise as likely adding nearly $4 trillion to the federal deficit over 10 years, hardening opposition among many Republicans seeking further spending cuts.

The country technically went over the ?fiscal cliff? at midnight, triggering across-the-board income-tax increases and deep, automatic cuts to domestic and defense programs. Taken together, those factors could plunge the still-fragile economy into a fresh recession. Financial markets were closed for New Year?s Day, potentially limiting the damage from the partisan impasse in dysfunctional Washington at least until Wednesday.

Time was running short for another reason, however: A new Congress will take office at noon on Thursday, forcing efforts to craft a compromise by the current Congress back to the drawing board.

?The Speaker and Leader laid out options to the members and listened to feedback,? Boehner spokesman Brendan Buck said in a statement emailed to reporters. ?The lack of spending cuts in the Senate bill was a universal concern amongst members in today?s meeting.?

?Conversations with members will continue throughout the afternoon on the path forward,? Buck said.

As House Republicans raged at the bill, key House Democrats emerging from a closed-door meeting with Biden expressed support for the compromise and pressed Boehner for a vote on the legislation as currently written.

?Our Speaker has said when the Senate acts, we will have a vote in the House. That is what he said, that is what we expect, that is what the American people deserve?a straight up-or-down vote,? Democratic House Minority Leader Nancy Pelosi told reporters.

Conservative activist organizations like the anti-tax Club for Growth warned lawmakers to oppose the compromise. The Club charged in a message to Congress that ?this bill raises taxes immediately with the promise of cutting spending later.?

Under the compromise arrangement, taxes would rise on income above $400,000 for individuals and $450,000 for households, while exemptions and deductions the wealthiest Americans use to reduce their tax bill would face new limits. The accord would also raise the taxes paid on large inheritances from 35% to 40% for estates over $5 million. And it would extend by one year unemployment benefits for some two million Americans. It would also prevent cuts in payments to doctors who treat Medicare patients and spare tens of millions of Americans who otherwise would have been hit with the Alternative Minimum Tax. And it would extend some stimulus-era tax breaks championed by progressives.

The middle class will still see its taxes go up: The final deal did not include an extension of the payroll tax holiday.

Efforts to modify the first installment of $1.2 trillion in cuts to domestic and defense programs over 10 years -- the other portion of the ?fiscal cliff,? known as sequestration -- had proved a sticking point late in the game. Democrats had sought a year-long freeze but ultimately caved to Republican pressure and signed on to just a two-month delay while broader deficit-reduction talks continue.

That would put the next major battle over spending cuts right around the time that the White House and its Republican foes are battling it out over whether to raise the country's debt limit. Republicans have vowed to push for more spending cuts, equivalent to the amount of new borrowing. Obama has vowed not to negotiate as he did in 2011, when a bruising fight threatened the first-ever default on America's obligations and resulted in the first-ever downgrade of the country's credit rating. Biden sent that message to Democrats in Congress, two senators said.

?This agreement is the right thing to do for our country and the House should pass it without delay,? President Barack Obama said in a written statement shortly after the Senate vote.

There were signs that the 2016 presidential race shaped the outcome in the Senate. Republican Senator Marco Rubio, widely thought to have his eye on his party?s nomination, voted no. Republican Senator Rand Paul, who could take up the libertarian mantle of his father Ron Paul, did as well.

Biden's visit -- his second to Congressional Democrats in two days -- aimed to soothe concerns about the bill and about the coming battles on deficit reduction.

?This is a simple case of trying to Make sure that the perfect does not become the enemy of the good,? said Democratic Representative Elijah Cummings, one of the chamber?s most steadfast liberals. ?Nobody?s going to like everything about it.?

Asked whether House progressives, who had hoped for a lower income threshold, would back the bill, Cummings said he could not predict but stressed: ?I am one of the most progressive members, and I will vote for it.?

Source: http://news.yahoo.com/blogs/ticket/senate-house-faces-test-fiscal-cliff-deal-161832950--politics.html

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Survey: Library websites get more mobile visits

NEW YORK (AP) ? A new Pew study reports that around 13 percent of Americans aged 16 and older used a mobile device to visit a library website during the past year.

Patrons ages 18-49 were the most likely to use a mobile device for the library, while those 65 and older were the least likely. According to Pew, a 2009 University of Washington study showed 6 percent of those 16 and older using a mobile device to access a library site.

The latest survey from the Pew Research Center's Internet & American Life Project was released Monday. Pew has been conducting a series of studies on e-books and e-reading devices.

The survey of 2,252 people was conducted via land lines and cellphones from Oct. 15 to Nov. 10. The sampling error margin is plus or minus 2.3 percentage points.