US autism rates reach new high; N.C. figures higher than national average

Public release date: 29-Mar-2012
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Contact: Patric Lane
patric_lane@unc.edu
919-962-8596
University of North Carolina at Chapel Hill

A new study estimates that 1 in 88 children in the United States has an autism spectrum disorder.

The Centers for Disease Control and Prevention released a report Thursday (March 29) that looked at data gathered in 2008 from 14 communities, including central North Carolina.

The new data show that autism rates in the U.S. are higher than previous estimates released in 2009, which found 1 in 110 children were diagnosed with autism or a related disorder. The latest figures also show that autism spectrum disorders are almost five times more common among boys than girls with 1 in 54 boys identified.

Julie Daniels, Ph.D., a researcher at the University of North Carolina at Chapel Hill who collaborated on the CDC study, said autism prevalence in North Carolina is higher than previously estimated and slightly higher than the national average. The estimate for the state was 1 in 70 children, with a rate of 1 in 43 boys and 1 in 196 girls.

"This report shows the magnitude of the condition across our country and in North Carolina," said Daniels, associate professor of epidemiology and maternal and child health in the Gillings School of Global Public Health and principal investigator for the North Carolina site of the Autism and Developmental Disabilities Monitoring Network. The N.C. arm of the network is a collaboration between the Gillings School and the state's public health and education agencies.

The prevalence estimates are based on children who were 8 years old in 2008.

Daniels also noted that number of children identified with autism spectrum disorder in central North Carolina and across other sites in the U.S. had increased since researchers began tracking the data in 2002.

In contrast to previous years, the rate among black children caught up with and was now similar to the rate among white children. The rate among Hispanic children still remained lower.

###

Details from the CDC report, "Prevalence of Autism Spectrum Disorders Autism and Developmental Disabilities Monitoring Network, 14 Sites, United States, 2008," will be published in the March 30, 2012 issue of the center's Morbidity and Mortality Weekly Report.

CDC news release: http://www.cdc.gov/media/releases/2012/p0329_autism_disorder.html
CDC autism information: http://www.cdc.gov/Features/CountingAutism/?s_cid=tw_cdc1280
North Carolina autism data details: http://www.sph.unc.edu/images/stories/news/documents/nc_data_for_autism_prevalence_summary_033012.pdf

Media note: Daniels can be reached at (919) 966-7096 or juliedaniels@unc.edu.

Gillings School of Global Public Health contact: Chris Perry, (919) 966-4555, chris.perry@unc.edu
News Services contact: Patric Lane, (919) 962-8596, patric_lane@unc.edu

---

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AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.

Public release date: 29-Mar-2012
[ | E-mail | Share ]

Contact: Patric Lane
patric_lane@unc.edu
919-962-8596
University of North Carolina at Chapel Hill

A new study estimates that 1 in 88 children in the United States has an autism spectrum disorder.

The Centers for Disease Control and Prevention released a report Thursday (March 29) that looked at data gathered in 2008 from 14 communities, including central North Carolina.

The new data show that autism rates in the U.S. are higher than previous estimates released in 2009, which found 1 in 110 children were diagnosed with autism or a related disorder. The latest figures also show that autism spectrum disorders are almost five times more common among boys than girls with 1 in 54 boys identified.

Julie Daniels, Ph.D., a researcher at the University of North Carolina at Chapel Hill who collaborated on the CDC study, said autism prevalence in North Carolina is higher than previously estimated and slightly higher than the national average. The estimate for the state was 1 in 70 children, with a rate of 1 in 43 boys and 1 in 196 girls.

"This report shows the magnitude of the condition across our country and in North Carolina," said Daniels, associate professor of epidemiology and maternal and child health in the Gillings School of Global Public Health and principal investigator for the North Carolina site of the Autism and Developmental Disabilities Monitoring Network. The N.C. arm of the network is a collaboration between the Gillings School and the state's public health and education agencies.

The prevalence estimates are based on children who were 8 years old in 2008.

Daniels also noted that number of children identified with autism spectrum disorder in central North Carolina and across other sites in the U.S. had increased since researchers began tracking the data in 2002.

In contrast to previous years, the rate among black children caught up with and was now similar to the rate among white children. The rate among Hispanic children still remained lower.

###

Details from the CDC report, "Prevalence of Autism Spectrum Disorders Autism and Developmental Disabilities Monitoring Network, 14 Sites, United States, 2008," will be published in the March 30, 2012 issue of the center's Morbidity and Mortality Weekly Report.

CDC news release: http://www.cdc.gov/media/releases/2012/p0329_autism_disorder.html
CDC autism information: http://www.cdc.gov/Features/CountingAutism/?s_cid=tw_cdc1280
North Carolina autism data details: http://www.sph.unc.edu/images/stories/news/documents/nc_data_for_autism_prevalence_summary_033012.pdf

Media note: Daniels can be reached at (919) 966-7096 or juliedaniels@unc.edu.

Gillings School of Global Public Health contact: Chris Perry, (919) 966-4555, chris.perry@unc.edu
News Services contact: Patric Lane, (919) 962-8596, patric_lane@unc.edu

---

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?

AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.

Source: http://www.eurekalert.org/pub_releases/2012-03/uonc-uar032912.php

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Why companies are scared to invest in SEO | Entrepreneur Podcast ...

Podcast: Play in new window | Download

Why companies are scared to invest in SEO

with Maciej Fita

Maciej Fita who is the owner of Brandignity, which is a search engine marketing firm joins Enterprise Radio.

Listen to host Eric Dye & guest Maciej Fita discuss the following:

• What is Brandignity?
• Where do you see the search engine marketing industry going?
• One example when you did something online that was a huge success.
• Why are companies scared to invest in SEO.
• What kind of approach do we take towards SEO/SEM for a client.

Duration: 11:22

Brandignity is a search engine marketing company offering SEO service plans, social media internet marketing, pay per click online positioning and professional management services for companies looking to grow their online branding & search engine ranking efforts. We are a talented group of SEO and SEM experts that bring an extensive range of high-impact agency marketing, design and development experience to the table.

After graduating Northeastern University in Boston back in 2003 with a marketing degree I set out like many fresh college kids do and I got on my belly and crawled through the trenches of the business world. Ever since I was a little kid I knew I wanted to be in the marketing & branding area of the business space. When I was 11 years old I attempted to start my own skateboard company and from that point on I knew I would be helping others spread their business image in some sort of fashion. My first taste for the internet game was a job working for a company which specialized in B2B directory marketing. Soon after that I was given an opportunity to become an SEO manager at an agency and shortly after with a couple of bucks in my back pocket Brandignity was born. We now specialize in helping many small to medium sized businesses grasp their footing in the somewhat confusing web world.

As search engines evolve they require a more comprehensive web marketing approach to all SEO related efforts. At Brandignity we put on our best ?marketing hats? for every project we take on. We think that search engine rankings are important but so is building a business brand through proactive internet marketing and branding efforts. Efforts that over time, will naturally build a websites strength and power which ultimately will lead to increased search engine rankings. If you have any questions please don?t hesitate to contact us at 617-279-0027 or email at info@brandignity.com.

Links: Brandignity.com

Note: If you?d like to subscribe using an RSS feed click on the gray RSS feed button at the top left of this page or better still subscribe to the podcast on iTunes it?s free and you?ll never miss an episode on EPN.

For those who?d like to download this episode or listen to it now, right click on the download link above or left click on the grey arrow button above to play now.

Source: http://epodcastnetwork.com/why-companies-are-scared-to-invest-in-seo/

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Body of 4-year-old Arkansas boy found in river

File - Caleb Linn is seen in this undated file photo provided by the Arkansas State Police. Searchers found Linn's body Wednesday, March 28,, 2012 in a river at the northern Arkansas Boy Scout camp where he disappeared during the weekend, the boy?s uncle, Chris Bruner said. (AP Photo/Arkansas State Police, File)

File - Caleb Linn is seen in this undated file photo provided by the Arkansas State Police. Searchers found Linn's body Wednesday, March 28,, 2012 in a river at the northern Arkansas Boy Scout camp where he disappeared during the weekend, the boy?s uncle, Chris Bruner said. (AP Photo/Arkansas State Police, File)

FILE - This 2011 file photo provided by Joey Dawson shows Dawson and his nephew Caleb Linn. Chris Bruner told The Associated Press Wednesday, March 28, 2012, that searchers found the body of his nephew, Caleb Linn, 4, in a river at the northern Arkansas Boy Scout camp where he disappeared during the weekend. (AP Photo/courtesy of Joey Dawson)

LITTLE ROCK, Ark. (AP) ? Searchers found the body of a 4-year-old boy Wednesday in the river at an Arkansas Boy Scout camp where he was tagging along with his aunt last weekend.

A search team in a canoe spotted Caleb Linn's body in a tributary of the Spring River, according to the Fulton County Sheriff's office.

Caleb went missing Saturday at the 900-acre Kia Kima Scout Reservation near Hardy, Ark. Searchers in boats and on horseback, foot and four-wheelers scoured the valley for days before finding two shirts he had been wearing in the river on Tuesday afternoon. His body was found less than 24 hours later.

"As long as we have each other, it's OK," said Caleb's uncle, Chris Bruner.

Authorities narrowed their focus to the water late Tuesday and called off the ground search for Caleb. He had gone with his aunt and several other children to help clear storm debris from a bridge at the camp that his aunt was looking after while the regular caretaker was away.

When five of the children left to go back to the cabins around lunchtime, Caleb asked if he could follow. His aunt told him he could, but that he had to stick to the road, Fulton County Sheriff Buck Foley said. The last she saw of him before she turned around to resume her work, he said, was Caleb standing at the end of the bridge.

Hundreds of volunteers turned out to help in the search, and divers cleared debris and stuck an underwater camera beneath the bridge and under ledges where they couldn't get a clear view. Dry and unseasonably warm weather had lent hope to Caleb's chances of survival. Even after searchers found the shirts he was wearing the day he disappeared, Caleb's great-grandmother held out hope someone would find him alive.

"Just because they found the clothes doesn't mean we give up hope," Carolyn Truex said Tuesday evening.

Arkansas State Police spokesman Bill Sadler said searchers found Caleb's body in the river about a half-mile from the bridge where the boy was last seen. His body was to be sent to the state crime lab.

Family members, including Bruner, had fought their way along sandy trails and through thorny branches that would snap back with a thwack as they searched for Caleb on Tuesday. Another uncle, Joey Dawson, even swam to a small island in the middle of the river, just in case Caleb had gotten stranded there.

Caleb's mom and stepdad had travelled from their home in Springdale, 150 miles west of Hardy, and have been staying at one of the cabins while searchers looked for the boy.

Shortly after searchers found Caleb's body, his family started to grieve near the bridge where he was last seen. Bruner says they'll likely bring his body back to northwest Arkansas for a funeral there. In the meantime, a memorial fund has been set up to help Caleb's family pay for his funeral.

"We have a little bit of money, but it's nothing like what he deserves," Bruner said. "We'll do what we can with what we have."

___

Follow Jeannie Nuss at http://twitter.com/jeannienuss

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/386c25518f464186bf7a2ac026580ce7/Article_2012-03-28-Missing%20Boy-Arkansas/id-3d7d8349115c4afb993cd6a44b24a0e3

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Source: http://homeandfamily.net/home-and-family/buy-buy-child-coupon-about-the-uk

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How to avail good limo services in order to have a good ride from ...

Most people who travel around for work related issues have to spend a lot of time moving to and from the airport. This takes up a lot of time and makes them feel as if they could have used their time better for other work. For this reason, a lot of people tend to arrange for transport before hand by just making a phone call and asking the vehicle to arrive at a decide location where the driver may be able to identify his passenger through some pre decided method.

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Source: http://travel.ezinemark.com/how-to-avail-good-limo-services-in-order-to-have-a-good-ride-from-the-airport-7d34ee5ddaba.html

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Tractor Trailer Truck Stuck In Thomas Circle Tunnel

A truck is wedged in the Massachusetts Avenue underpass at Thomas Circle.

? Brain ? ? Eye / Vision Problems ? Mar 15, 2012

People with mild vascular disease that causes damage to the retina in the eye are more likely to have problems with thinking and memory skills because they may also have vascular disease in the brain, according to a study published in the March 14, 2012, online issue of Neurology?, the medical journal of the American Academy of Neurology.

Damage to the retina is called retinopathy. In the study, the damage was mild enough to not cause significant symptoms.

?Problems with the tiny blood vessels in the eye may be a sign that there are also problems with the blood vessels in the brain that can lead to cognitive problems,? said study author Mary Haan, DrPH, MPH, of the University of California, San Francisco. ?This could be very useful if a simple eye screening could give us an early indication that people might be at risk of problems with their brain health and functioning.?

The study involved 511 women with an average age of 69. The women took tests of their thinking and memory skills every year for up to 10 years. Their eye health was tested about four years into the study and scans were taken of their brains about eight years into the study.?

A total of 39 women, or 7.6 percent, had retinopathy. The women with retinopathy on average had lower scores on the cognitive tests than the women who did not have retinopathy. The women with retinopathy also had more areas of small vascular damage within the brain, with 47 percent larger volumes of areas of damage than women who did not have retinopathy. In the parietal lobe of the brain, the women with retinopathy had 68 percent larger volumes of areas of damage.

The results remained the same even after adjusting for High Blood Pressure and diabetes, which can be a factor in vascular issues in the eye and the brain.

On a test of visual acuity, the women with retinopathy had similar scores as the women without the disease.

The study was supported by the National Heart, Lung and Blood Institute, the U.S. Department of Health and Human Services, Wyeth Pharmaceuticals and the National Institute on Aging.

The American Academy of Neurology, an association of more than 25,000 neurologists and neuroscience professionals, is dedicated to promoting the highest quality patient-centered neurologic care. A neurologist is a doctor with specialized training in diagnosing, treating and managing disorders of the brain and nervous system such as stroke, Alzheimer?s disease, epilepsy, Parkinson?s disease and multiple sclerosis.

For more information about the American Academy of Neurology, visit http://www.aan.com or find us on Facebook, Twitter, Google+ and YouTube.

###

Source: American Academy of Neurology (AAN)

Provided by ArmMed Media

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Source: http://www.health.am/ab/more/eye-health-is-related-to-brain-health/

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Shopping and Product Reviews: Electronics Article Category ...

New Article Alerts: Would you like to be notified when a new article is added to the Shopping and Product Reviews: Electronics category? Metro Electronic Cigarette Reviews ? Rating: Shipping to: Most Countries Worldwide. Free Trial: No. E-Cigarette Starter Kit Cost: New-Creativity Street 5160 ? Colossal Brush Set Natural Bristle Round 30/Set ? CKC5160 Nankang NS-1 High Performance Tire ? 245/45R17 95HR Royal Cashmere RC 904 Dolce Vita Uomo Dark Blue Folding Turtleneck Men?s Sweater Lexerd ? Kenwood DDX-512 TrueVue Crystal Clear In-Dash Screen Protector (Dual Pack Bundle) Lancaster Tomato-Flat Server

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What is Parapsychology? A Primer straight into Extra Physical ...

Parapsychology is a field of study that seeks to investigate the existence of (and aspects underpinning) a variety of paranormal phenomena such as: clairvoyant functioning, around death experiences, life after death, along with out of entire body experiences. Phenomena for example Poltergeists and Spirits also get into the parapsychologists remit.

Much contemporary study within Parapsychology focuses on investigating forms of Extra Sensory Perception as well as Psychokinesis (or mind over matter effects). Clinical methods and techniques are employed to investigation these phenomena, generally within clinical environments. Photographs of Invoice Murray, as a boiler-suited Ghostbuster in an old New York fire house, are a minor wide with the mark!

Added Sensory Perception (often shortened to Especially) is made up of a few primary elements. The foremost is Telepathy, which can be looked at as the move of information via mind-to-mind. Clairvoyance, on the other hand, will be the real time details gathering regarding unseen as well as unknown locations and things. Finally, Precognition may be the phenomenon when an individual has the capacity to predict a celebration that is nevertheless to take place.

Psychokinesis (practically mind activity) has replaced the term Telekinesis (far-away movement), nevertheless both terms refer to your purported sensation of the brain being able to impact events and also objects outdoors known bodily means. In turn, there are two primary types of Psychokinesis. A new macro PK event is how the mind has the capacity to affect an item in the setting (such as relocating an object around a desk through choice alone). Essentially, it is obvious what has happened, and you need not employ any form of statistical evaluation to see the effect.

Micro PK on the other hand needs statistical examination. If you spin lots of dice, or attempt to influence a lot of random events, then you need to compare the numerous benefits against statistical probability and also (ideally) control conditions. Tiny PK has become the approach to choice while investigating many mind matter effects because: it seems simpler to generate in the laboratory, the particular experimental safeguards are better, data collection can be completely automated and there is a stronger tie-in with some of the theoretical information as to what could be taking place.

This is an article explaining what Parapsychology Book is and what parapsychologists investigate. You may looking at the parapsychological learning of paranormal functioning.

Source: http://premiumarticles.in/archives/9072

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FDA clears 3rd silicone-gel breast implant for US

WASHINGTON (AP) ? The Food and Drug Administration has approved a new silicone-gel breast implant from Sientra, making it the third company to market the controversial products in the U.S.

Santa Barbara, Calif.-based Sientra won approval to market its implants for breast enhancement and reconstruction in women at least 22 years old. The company said it will offer implants in multiple shapes and sizes, in addition to the round implants currently sold by Allergan Inc. and Johnson & Johnson's Mentor unit.

Last year, plastic surgeons performed more than 307,000 breast augmentation procedures in the U.S., up 3.6 percent from the previous year, according to the American Society of Plastic Surgeons.

The FDA has wrestled with the safety of silicone-gel implants for more than 20 years. In 1992, the agency banned the products amid fears they might cause cancer, lupus and other diseases. But when research ruled out most of the disease concern, regulators returned the implants to the market in 2006.

Since then the FDA has required manufacturers to track the health and complications of women who receive the implants. The most recent data from Allergan and J&J confirm that the devices are prone to rupture and often need to be replaced.

More than one in five women who get implants for breast enhancement will need to have them replaced within five years, accord to an FDA analysis of company data released last summer. Despite that relatively high failure rate, FDA regulators concluded that the silicone-gel implants are basically safe as long as women understand they come with complications. Some critics of the implants say the failure rate may be even higher, since many women have dropped out of the company studies.

Problems with rupturing and scar tissue are also seen with saline-filled versions of breast implants, which are less popular. Many women prefer silicone implants because they generally look and feel more like natural breast tissue.

Sientra will be subject to the same FDA-mandated requirements to track patients and report safety information back to the agency.

The privately held company, founded in 2007, specializes in plastic surgery implants, including those for the face, legs and buttocks.

"Sientra has successfully broken the existing duopoly in the U.S. by offering surgeons and patients a new choice," said CEO Hani Zeini, in a statement.

Allergan Inc. is based in Irvine, Calif., and Mentor, a unit of Johnson & Johnson, is based in Santa Barbara.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/bbd825583c8542898e6fa7d440b9febc/Article_2012-03-09-Breast%20Implant-FDA%20Approval/id-6e3671bf7df3459faead04b82fdd209f

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9
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Source: http://www.garagemahalcamp.info/why-you-should-choose-marketing-agencies-melbourne-for-business-online/

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Payday Loans Help to Pay for Auto Repairs ? Finance Deals

Countless bodies accept accomplished the accent and the annoyance of accepting their agent stop alive on them during the average of a assignment week. It can be a claiming to acquisition a way to pay for a agent to be repaired and to pay for a rental car while the individual?s car is in the auto shop. Payday loans action fast and affordable solutions to advice bodies financially survive through occasions such as these.Finding a abode to administer for a payday accommodation to advice you pay for abruptness car costs and aliment can be done calmly by looking online. An online look will appearance you the bounded companies in your breadth area you can go into the abundance in actuality and ample out a loan. The websites for the companies will about affection maps, directions, abundance hours, and acquaint you what is appropriate of you aback you ample out the application. This can advice you to be able and accept aggregate accessible aback you appointment the store.An online look for Internet payday accommodation companies will additionally appearance you places area you can ample a accommodation appliance out online. Some companies will accelerate you an approval over the web and again drop the accommodation bulk into your coffer account. Aback you get a accelerated approval, the eventually you will accept your money and the eventually you will be able to pay for your auto adjustment expenses.Many bodies acquisition it a above claiming to try to get aback and alternating to assignment during the week, as able-bodied as to aces accouchement up from academy and to run errands while their car is in the shop. Because auto aliment can be acutely expensive, actuality able to get banknote instantly through a payday accommodation can be a audible advantage to a actuality who does not accept added money set abreast for emergency costs such as agent breach downs and repairs.Your payday accommodation can advice you to pay for a rental car for a few canicule while your agent is in the mechanic?s boutique and it can additionally advice you to awning the amount of acclimation an agent or replacing a above allotment on a car. It is not aberrant for moderately-priced aliment to be all-important on a agent afterwards the agent gets to be a assertive age. Timing belt replacements, amateur replacements, new tires, and ammunition pumps can add up to be a few hundred dollars anniversary time any of these accepted agent genitalia charge to be replaced.

Source: http://orxw.us/payday-loans-help-to-pay-for-auto-repairs/

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President Obama, Mitt Romney spar over gas prices

Reporting from Washington?

President Obama and Mitt Romney traded jabs Wednesday as the threat of greater fluctuations in oil prices drove a long-distance debate over energy policy.

Romney said Obama should do more to open up domestic sites for drilling, including the Arctic National Wildlife Refuge in Alaska.

"He ought to be taking advantage of all our offshore instead of trying to hold them off," Romney told CNBC.

But Obama, speaking to workers at a Daimler truck plant in North Carolina, said Republican presidential candidates weren't offering realistic solutions to reducing the nation's reliance on foreign oil.

"As a country that has 2% of the world's oil reserves but uses 20% of the world's oil, we're not going to be able to just drill our way out of the problem of high gas prices," Obama said. "Anybody who tells you otherwise either doesn't know what they're talking about or they aren't telling you the truth."

The exchange came as Romney reached out to conservative voters and asserted himself as the eventual GOP nominee following Super Tuesday victories that included a narrow but significant win in the swing state of Ohio. His campaign pointed to the volatile price of gasoline as a vulnerability for the Democratic president.

In Chicago, Obama campaign officials highlighted what they see as Romney's weakness with middle-class voters.

"How can you be a candidate who says let Detroit go bankrupt and who disdains manufacturing and who has his history in business of closing down factories and squeezing businesses for the profit of him and his partners but costing jobs?" Obama advisor David Axelrod asked reporters. "How do you then go back to people in the industrial Midwest and say, 'I'm the leader for you'?"

Obama spent the day in North Carolina, where a new Elon University poll suggested that he had a tentative relationship with voters worried about the economy. The poll shows that more than 50% of those interviewed disapproved of Obama's handling of economic matters, though his approval rating has been improving along with the economy.

Obama urged Congress to approve $1 billion in grants to cities and towns to encourage use of fuel-efficient technology, and proposed increasing tax incentives to spur people to buy fuel-efficient cars.

The long-term solution to rising gas prices, Obama said, is to "invest in the technology that will help us use less oil in our cars and our trucks, in our buildings, in our factories."

But Romney criticized Obama's energy policies, saying they contributed to an energy shortage.

The president can "decide how much money for oil and gas is going to other nations, and to get that money here and to create jobs here and to stabilize prices here," Romney said in the CNBC interview.

"He ought to be taking advantage of all of our offshore, and [the Arctic refuge], and North Dakota and Oklahoma and Texas gas resources, instead of trying to hold them off," Romney said. "Natural gas is a huge win for us and through the [Environmental Protection Agency] he's been trying to hold that off."

christi.parsons@latimes.com

Source: http://feeds.latimes.com/~r/latimes/news/science/~3/Foo4qDKUawA/la-na-obama-trucks-20120308,0,3481471.story

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Service Members And Home Purchases: Is A VA Hybrid Loan What ...

For service members, a VA hybrid loan is more flexible than typical VA loans, but more stable than conventional loans. But what are the differences, and is the VA hybrid loan ideal for you?

An Adjustable Rate mortgage, a.k.a. as an ARM, is a mortgage that features an initial fixed term, adjusting thereafter. The initial fixed-rate term for a VA hybrid loan is set for the course of either three or five years. When you crunch the numbers, this is a fixed period of either thirty-six or sixty months, respectively. In either case, an interest rate for this kind of loan will not fluctuate during the initial term. For example, an interest rate of 3.75 percent would not be subject to market fluctuations from the outset. The resulting mortgage payment would be based on this initial rate and would not change monthly. Once the fixed term expires, this rate will start to adjust. However, a loan backed by the Veteran's Administration Department should not be confused with conventional or subprime adjustable-rate loans.

For good reason, a lot of veterans are leery of loans that are not of the traditional, VA variety. However, always remember the following: The VA requires approved mortgage lenders to use a stable market index whenever offering hybrid loans to veterans. From a historical stand point, the Constant Maturity Treasury Index (CMT) is one of the more stable indices inside the financial marketplace.

So, what does this suggest for the veteran homeowner? Although a hybrid loan will adjust AFTER the initial fixed term, historical data indicates that this movement will not exceed one percent for initial fixed terms of thirty-six months or less. For loans with initial fixed periods of five or more years, CMT data trends suggest that interest rates do not fluctuate more than two percentage points annually. Again, keep in mind that this occurs AFTER the initial three or five-year, introductory period. Additionally, many forget to consider the fact that adjustable does not mean that an interest rate must adjust one way or the other. Rates can increase, but rates can decrease in accordance with market performance.

As with any major financial decision, it is best to review your budget before becoming indebted for a large sum of money. If you have additional questions concerning a VA hybrid loan, we recommend talking with industry professional. Remember to take time to learn about a particular mortgage product or program before submitting a completed loan application. And remember, a knowledgeable veteran is a happy home purchaser in the end.

Source: http://www.artipot.com/articles/1174897/service-members-and-home-purchases-is-a-va-hybrid-loan-what-you-need.htm

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Satellites see what sprawls in Vegas

In honor of Landsat 5's birthday, NASA shows how Las Vegas has grown since 1972.

By Alan Boyle

What sprawls in Vegas doesn't stay in Vegas. Time-lapse images from the Landsat series of Earth-monitoring satellites reveal in false-color, multispectral imagery how urban sprawl has stretched out from Nevada's "Sin City" over the past four decades. This latest video was posted by NASA in honor of the 28th anniversary of Landsat 5's launch on March 1, but the pictures actually go back to 1972, when the Landsat program began. Such images help planners keep track of the pace of development, which may affect future water use, zoning regulations and other policies. Want to see how your own area has changed between 1975 and 2000? Check out this "ChangeMatters" viewer from ESRI.

More cool views from Landsat:

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Alan Boyle is msnbc.com's science editor. Connect with the Cosmic Log community by "liking" the log's Facebook page, following @b0yle on Twitter and adding the Cosmic Log page to your Google+ presence. You can also check out "The Case for Pluto," my book about the controversial dwarf planet and the search for new worlds.

Source: http://cosmiclog.msnbc.msn.com/_news/2012/03/05/10585619-satellites-see-what-sprawls-in-vegas

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News Briefs for March 5, 2012 - Shanken News Daily: Exclusive ...

March 5, 2012

?Diageo is introducing a new extension to its Bushmills Irish whiskey brand, Bushmills Irish Honey, available now nationwide. A blend of Bushmills Original Irish whiskey and real Irish honey, the variant will be sold first exclusively in the U.S. with distribution later expanding to global markets. At 35%-abv, Bushmills Irish Honey is priced at $24.99 a 750-ml. The Bushmills portfolio includes Bushmills Original, Black Bush, Bushmills 10-Year-Old Single Malt, Bushmills 16-Year-Old Single Malt and Bushmills 21-Year-Old Single Malt. The launch of Bushmills Irish Honey follows the success of Wild Turkey American Honey and Jack Daniel?s Tennessee Honey. While those brands are liqueurs, the positioning is similar. Both sold more than 200,000 cases in 2011.

?Beam Inc. has named Stephen Teeling global marketing director, Irish whiskey, responsible for marketing the Irish whiskey business Beam acquired in its purchase of Cooley Distillery, for $95 million, this past December. Teeling is the son of John Teeling, Cooley?s co-founder and former chairman. Beam CEO Matt Shattock said Teeling would manage brand and market strategies for Cooley?s Irish whiskey labels, especially Kilbeggan, which will become a priority brand for Beam, with the U.S., U.K., France and Germany (which along with domestic Ireland and South Africa are among the category?s top six markets), seeing the greatest attention.

?Walmart has announced plans for 13 smaller-format Neighborhood Market stores in California, with further expansion possible. Some of the new units, which cover about 42,000 square feet each (about one-fifth the size of a Walmart Supercenter and around the size of many Whole Foods markets), will open this year, with the remainder slated for 2013 openings. Nationwide, Walmart currently operates 167 Neighborhood Markets and is hoping to push that number to 300 by next year. The California expansion comes as non-unionized retailers like Walmart, Whole Foods, Bristol Farms and Fresh & Easy continue to take share from union chains Safeway, Raley?s and Albertsons in the state. With Fresh & Easy set to open five stores across Sacramento next week, Raley?s says it will close two of its locations in the area. Raley?s CEO Michael Teel has said its responsibilities to the United Food and Commercial Workers union, with which it?s currently deadlocked in contract negotiations, have hampered the chain?s progress.

?New York-based Lot18, a flash sale website for wine and gourmet food, has named Barbara Anderson vice president and general counsel. Anderson comes to Lot18 from Diageo North America, where she was director and senior counsel, focused on corporate commercial and regulatory compliance. Prior to that, Anderson was assistant general counsel at Terlato Wine Group. While at Diageo, Anderson developed the company?s response and strategy to the landmark direct-shipping case Granholm v. Heald, and worked on the integration of Chalone Wine Group after Diageo acquired it in 2004.

?Chef Gordon Ramsay will partner with his Gordon Ramsay Holdings corporate executive chef Andi Van Willigan on a restaurant venture called The Fat Cow. The restaurant, which will be located in Los Angeles?s retail destination The Grove and seat more than 200 people, is slated to open this summer. The European-inspired menu will feature dishes created using locally grown ingredients. Ramsay already has one restaurant in California?Gordon Ramsay at the London in West Hollywood?as well as plans to open his first Las Vegas restaurant at the Paris Las Vegas Hotel and Casino this spring. He also has three restaurants in New York.

?Newport Beach, California-based Fleming?s Prime Steakhouse & Wine Bar has debuted a new cocktail menu at all of its 64 national units. The 10-item menu is divided into three drink categories: Retro Chic, which features classic mixed drinks with contemporary twists; Modern Martinis, which showcases Martinis with exotic flavors; and Couture Cocktails, which are chef-driven concoctions that have fresh ingredients such as cucumber and cilantro. Fleming?s also has more than 100 wines available by the bottle, glass and flight, various craft beer options and a selection of low-calorie ?Skinnier Cocktails.?

?California wine exporter Thirvin International has launched a proprietary red wine, Stateside 2009 Reserve Blend. The wine is a blend of Merlot, Sangiovese, Dolcetto and Cabernet Franc from Sonoma County. Stateside will initially be available in Thirvin?s local San Francisco market. Specializing in exports to Asia through its Shanghai office, Thirvin represents California brands like Blackbird Vineyards, Gemstone Vineyards, Hendry, Curveball, Banshee, Atmosphere, 401K, Brigitte and Courtesan Wines.

?Vinexpo has announced the dates of the 2013 Vinexpo in Bordeaux. The exhibition will run from June 16 to June 20, 2013.

Tagged : Beam Inc, Diageo, restaurant, whiskey, wine

Source: http://www.shankennewsdaily.com/index.php/2012/03/05/2579/news-briefs-for-march-5-2012/

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Our student loan complaint system is open for business > Consumer ...

Mar 5 2012 By Rohit Chopra

Since we opened our doors, student loan borrowers have told us about some of the frustrations they sometimes face with their lenders, servicers, and debt collectors. Borrowing for college should be the best investment you?ll make, but for many Americans, paying off those student loans is a real challenge.

For several years, federal student loan borrowers have had the Department of Education?s Federal Student Aid Ombudsman to help bring their concerns to financial institutions. But for millions of students and their families, federal student loans don?t cover the full cost of college and they need private student loans to make ends meet.

However, private student loans ? which don?t always carry the same consumer protections as federal student loans ? have been overseen by a patchwork of government agencies. In the Dodd-Frank Wall Street Reform and Consumer Protection Act, Congress established an Ombudsman for private student loans within the Consumer Financial Protection Bureau to assist borrowers with private student loan complaints. This means a single federal agency is now responsible for watching out for all students and families who choose to borrow private student loans.

Today, we are open for business and ready to hear from you. To ask a question, file a complaint, or share your story: go to www.consumerfinance.gov/complaint or call our toll-free number at 1-855-411-CFPB.

If you file a complaint, we?ll work with your lender or servicer to get a response. While we certainly can?t make your debt disappear, we can help bring your concern to your financial institution?s attention. If you don?t have a specific complaint or question, but want to tell us what is ? or is not ? working in the student loan market, we invite you to tell your story.

And while the Consumer Bureau has only been open for a short time, we?ve been hard at work to gather the facts and provide tools to help you make good decisions about student loans. We launched an online tool, the Student Debt Repayment Assistant, to help you navigate the maze of student loan repayment options. We also launched Know Before You Owe: student loans and worked with the Department of Education to develop a draft ?financial aid shopping sheet? for schools to improve the student loan information they give to students.

Our team at the Bureau will keep working to give you the tools and the information to make sound financial decisions on student debt ? and to figure out your options in case things don?t go according to plan. These days, we all seem to know someone having a tough time with their student loans, so share this new resource by e-mail, Twitter, and Facebook (just use one of the buttons below). With your participation, we can help make the student loan market work better for all of us.

Rohit Chopra is the CFPB?s student loan ombudsman.

Categories: Consumer Response | Featured | Student Loans

Source: http://www.consumerfinance.gov/blog/our-student-loan-complaint-system-is-open-for-business/

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