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Alex Veiga , The Associated Press ? ? ? 12 hrs.

After years in the doldrums, the housing market appears back on track. Home sales and prices are up, and mortgage rates remain near historic lows, reinvigorating the appeal of homeownership.

But qualifying for a home loan remains a hurdle for anyone without a solid personal balance sheet.

"Now the requirements are much stricter," says Erin Baehr, a certified financial planner in Stroudsburg, Penn. "You have to have the right income, you have to have the right credit score and you have to have the right down payment to get the best rates out there."

In addition, a tight supply of homes for sale in many markets means sellers often have the leverage that comes with receiving competing offers. That means buyers with the financial flexibility to raise their offer stand a better chance of winning out ? another reason to bolster one's finances before entering the home-buying fray.

Here are six tips to get financially prepared to purchase a home:

1. Assess your financial picture and how much house you can afford
Before you get too involved in looking at listings, take some time to evaluate your finances thoroughly. If you're a first-time buyer and haven't been saving money or have been living paycheck-to-paycheck while dealing with college loans and other debt, you'll likely have to make major lifestyle changes to get in the best position to buy a home.

Ultimately, you want to get an idea of how much of your monthly income you can reasonably afford to spend on a home.

Stew Larsen, head of Bank of the West's mortgage banking division, suggests using a rough formula that lenders use: Add up the monthly house payment ? principal, interest, taxes and insurance ? and subtract it from your gross monthly income. The house payment shouldn't be more than 28 percent to 30 percent of the monthly income.

Bankrate Inc. has online calculators that can help estimate how much you can afford based on your income and expenses .

2. Budget like you're already a homeowner
You've figured out roughly how much money you should devote to housing. But can you actually live on that amount, especially when you consider other costs, such as repairs, utilities, which often run higher than in apartments, and if you live in a condominium, homeowner association fees?

Baehr recommends renters calculate the extra monthly costs that come with homeownership and start setting aside that amount. This accomplishes two goals: Saving money for a down payment and getting them accustomed to the financial constraints of homeownership.

"Start to put that money away and see if you can live without it," Baehr says. "If you can't do it now, you're not going to be able to do it later."

3. Shoot for 20 percent down
While some loan programs allow homebuyers to make a down payment of as little as 3.5 percent of the purchase price, experts say you'll need to save enough for at least a 20 percent down payment in order to get the lowest interest rate and avoid having to pay private mortgage insurance, or PMI.

If you're a military veteran, you can qualify for a loan program that enables veterans to obtain a mortgage without a down payment.

Even if you end up getting a loan that requires private mortgage insurance, once you've made enough payments to build your stake in the home to 20 percent, you can apply to have PMI waived. And until then, PMI is tax-deductible.

In addition to a down payment, you'll also have to set money aside for closing costs, which can run into the hundreds or sometimes thousands of dollars.

4. Tackle any credit score problems early
A person's credit score is a critical element of how lenders determine how much money homebuyers can borrow and at what interest rate.

Baehr says buyers seeking a shot at the most favorable interest rate on a home loan must generally have a FICO score of at least 720 out of 850. Loans backed by the Federal Housing Administration require a FICO score of at least 580, but you'll pay a higher interest rate.

Prospective homebuyers should check their credit report for any errors that may be weighing down their credit score. Disputing errors can take months, so it's best to get this process going well before you'd like to buy a home. Baehr recommends getting started six months in advance.

A major component of one's credit score is the ratio between how much credit you have available versus how much debt you're carrying. You can improve your credit score by paying down debt over time, another reason to get started well before you apply for a mortgage.

Consumers are entitled to a free credit report every 12 months from each of the credit bureaus: Experian, TransUnion and Equifax. You can get copies at www.annualcreditreport.com .

In addition, avoid taking on new debt in the months before you set out to buy a home, as new loans or credit cards can ding your credit score temporarily.

Even borrowers who like to use their credit cards often and pay down the balance every month should refrain or ease back on using credit cards for a couple of months before applying for a home loan, Baehr says.

5. Get financial documents in order
When it comes time to formally apply for the loan, lenders will probe deep into your financial records.

Get ahead of the requests by pulling together at least three months of bank statements, pay stubs, and at least two years of income tax filings.

If you're going to be receiving financial help from family on the down payment, the bank will want to know the source. That might mean that your benefactor may also need to show bank statements related to their financial gift to you as well, Baehr said.

6. Get pre-approved for a loan
Before you begin your home search, ask a lender to assess how much you can borrow. Once the lender issues you a pre-approval letter, it's a solid indication of what you can spend.

"It's not like having cash in hand, but it's almost as close," Larsen says.

One caveat: Understand the difference between a preapproval letter and being prequalified for a loan.

Being prequalified for a loan doesn't commit the lender. It's basically an opinion drawn from a cursory assessment of your financial profile. A preapproval letter is preceded by a thorough credit and income review, though the loan won't go through until all of the borrower's financial information is verified.

Source: http://www.nbcnews.com/business/buying-home-budget-tackle-credit-score-problems-1C8601730

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ferrettitreva36 · Feb. 27, 2013

Feb. 27, 2013 ? NASA's Fermi Gamma-ray Space Telescope orbits our planet every 95 minutes, building up increasingly deeper views of the universe with every circuit. Its wide-eyed Large Area Telescope (LAT) sweeps across the entire sky every three hours, capturing the highest-energy form of light -- gamma rays -- from sources across the universe. These range from supermassive black holes billions of light-years away to intriguing objects in our own galaxy, such as X-ray binaries, supernova remnants and pulsars.

Now a Fermi scientist has transformed LAT data of a famous pulsar into a mesmerizing movie that visually encapsulates the spacecraft's complex motion.

Pulsars are neutron stars, the crushed cores of massive suns that destroyed themselves when they ran out of fuel, collapsed and exploded. The blast simultaneously shattered the star and compressed its core into a body as small as a city yet more massive than the sun. The result is an object of incredible density, where a spoonful of matter weighs as much as a mountain on Earth. Equally incredible is a pulsar's rapid spin, with typical rotation periods ranging from once every few seconds up to hundreds of times a second. Fermi sees gamma rays from more than a hundred pulsars scattered across the sky.

One pulsar shines especially bright for Fermi. Called Vela, it spins 11 times a second and is the brightest persistent source of gamma rays the LAT sees. Although gamma-ray bursts and flares from distant black holes occasionally outshine the pulsar, they don't have Vela's staying power. Because pulsars emit beams of energy, scientists often compare them to lighthouses, a connection that in a broader sense works especially well for Vela, which is both a brilliant beacon and a familiar landmark in the gamma-ray sky.

Most telescopes focus on a very small region of the sky, but the LAT is a wide-field instrument that can detect gamma rays across a large portion of the sky at once. The LAT is, however, much more sensitive to gamma rays near the center of its field of view than at the edges. Scientists can use observations of a bright source like Vela to track how this sensitivity varies across the instrument's field of view.

With this in mind, LAT team member Eric Charles, a physicist at the Kavli Institute for Particle Astrophysics and Cosmology and the SLAC National Accelerator Laboratory at Stanford University in California, used the famous pulsar to produce a novel movie. He tracked both Vela's position relative to the center of the LAT's field of view and the instrument's exposure of the pulsar during the first 51 months of Fermi's mission, from Aug. 4, 2008, to Nov. 15, 2012.

The movie renders Vela's position in a fisheye perspective, where the middle of the pattern corresponds to the central and most sensitive portion of the LAT's field of view. The edge of the pattern is 90 degrees away from the center and well beyond what scientists regard as the effective limit of the LAT's vision.

The pulsar traces out a loopy, hypnotic pattern reminiscent of art produced by the colored pens and spinning gears of a Spirograph, a children's toy that produces geometric patterns.

The pattern created in the Vela movie reflects numerous motions of the spacecraft. The first is Fermi's 95-minute orbit around Earth, but there's another, subtler motion related to it. The orbit itself also rotates, a phenomenon called precession. Similar to the wobble of an unsteady top, Fermi's orbital plane makes a slow circuit around Earth every 54 days.

In order to capture the entire sky every two orbits, scientists deliberately nod the LAT in a repeating pattern from one orbit to the next. It first looks north on one orbit, south on the next, and then north again. Every few weeks, the LAT deviates from this pattern to concentrate on particularly interesting targets, such as eruptions on the sun, brief but brilliant gamma-ray bursts associated with the birth of stellar-mass black holes, and outbursts from supermassive black holes in distant galaxies.

The Vela movie captures one other Fermi motion. The spacecraft rolls to keep the sun from shining on and warming up the LAT's radiators, which regulate its temperature by bleeding excess heat into space.

The braided loops and convoluted curves drawn by Vela hint at the complexity of removing these effects from the torrent of data Fermi returns, but that's a challenge LAT scientists long ago proved they could meet. Still going strong after more than four years on the job, Fermi continues its mission to map the high-energy sky, which is now something everyone can envision as a celestial Spriograph traced by a pulsar pen.

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The above story is reprinted from materials provided by NASA/Goddard Space Flight Center.

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

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Disclaimer: Views expressed in this article do not necessarily reflect those of ScienceDaily or its staff.

Source: http://feeds.sciencedaily.com/~r/sciencedaily/space_time/astronomy/~3/Kd6-_fYbEqw/130227183532.htm

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Press Releases

?

Find your Bed and Breakfast in Europe online

, 27 February 2013 -- BedandbreakfastEuro.com is the European's leading online Bed and Breakfast reservations agency by room nights sold, attracting hundred of thousand visitors each month via the Internet from both leisure and business markets worldwide.

BedandbreakfastEuro.com is the European's leading online Bed and Breakfast reservations agency by room nights sold, attracting hundred of thousand visitors each month via the Internet from both leisure and business markets worldwide.

BedandbreakfastEuro.com provides online local search capabilities for its visitors. A typical search includes what the user is seeking (B&B , bed and breakfast, Inn, Accomodation in Europe etc.) and the location from which the search is to be performed, entered as a specific address, neighborhood, city/state combination, or zip code.

Each business listing result contains a 5-point rating, reviews from other site visitors, and details such as the business address, hours, accessibility, and parking.

Site visitors can aid in keeping the business listings up to date, with moderator approval, and business owners can directly update their own listing information.

Site visitors can also make an online reservation for a room in just 3 steps.

Listings and related content are organized by city and a multi-tier categorization system. Content and listings can also be discovered through categorized reviews or via BedandbreakfastEuro member profiles and their review lists.

People are willing to pay up to 99 percent more for services after reading positive online reviews about them, according to new research.

Maps leveraging Google Maps show reviewed businesses to further aid in business discovery.

The information is available for free in English, German and Italian.

Bed and Breakfast provide mutual benefits for both the visitor and the operator. Visitors have the opportunity for a relaxing break in a homely environment. Operators have the opportunity to develop a profitable business, make new friends and contacts, understand the cultures and lifestyles of others, and to educate guests about their way of life.

Generally, guests are accommodated in private bedrooms with private bathrooms, or in a suite of rooms including an en suite bathroom. Some homes have private bedrooms with a bathroom which is
shared with other guests. Breakfast is served in the bedroom, a dining room, or the host's kitchen.

The main objective of BedandbreakfastEuro.com is to provide the best possible assistance to people making decisions when planning their Bed and Breakfast holiday in Europe.

Plan your holiday in B&B in Europe now online on http://www.bedandbreakfasteuro.com

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Submitted by waqar on Wednesday, 27 February 2013 at 5:52 PM
Category: Business

Source: http://news.scoopasia.com/index.php/news/find_your_bed_and_breakfast_in_europe_online/

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WASHINGTON -- Rep. Bob Goodlatte (R-Va.) declined on Wednesday to define what he considers a pathway to citizenship for undocumented immigrants -- although he said he opposes a "special" pathway -- giving the legislator some wiggle room as he and his colleagues work on an immigration reform bill that could pass in the House.

"I would prefer to not try to define the details of how a legalization process would work until we know what the willingness is of the representatives of the people, after they've been briefed on the issue and had an opportunity to communicate with their constituents, to come back and let us know," the House Judiciary Committee chairman said at an event hosted by the Christian Science Monitor. "We're open to the idea that the large number of people who are not here lawfully are not a good thing to have ... operating in the shadows."

The definition of a "special pathway to citizenship" is a nebulous one, ranging from allowing undocumented immigrants to quickly begin a process of becoming citizens to simply giving them the ability to become citizens at all. Goodlatte acknowledged there is no set definition, but wouldn't offer his. Instead, he expressed openness to considering a number of options, including the type of pathway proposed by the Senate "gang of eight." The "gang of eight" proposal would allow undocumented immigrants to enter a process for a green card and eventual citizenship, but only after certain border provisions were met. Goodlatte didn't endorse the process specifically -- he said he still has a number of concerns -- but his reluctance to rule out any measures wholesale showed some flexibility.

"I do have concerns about a lot of the different proposals I've seen, and rather than negotiate those concerns in public, I think it's better to let the process work and see what kind of consensus we can develop," he said.

Goodlatte said last week that no pathway to citizenship for undocumented immigrants is needed, because as of now they aren't necessarily ruled out from green cards entirely.

"People have a pathway to citizenship right now: It's to abide by the immigration laws, and if they have a family relationship, if they have a job skill that allows them to do that, they can obtain citizenship," Goodlatte told NPR. "But simply someone who broke the law, came here, [to] say, 'I'll give you citizenship now,' that I don't think is going to happen."

Goodlatte made a similar point on Wednesday, saying he believes undocumented immigrants should be allowed to go through currently available channels, such as family-based visas through marriage, to receive green cards that would eventually allow them to become citizens. They could do the same if they were legalized through immigration reform, he said.

"Once you have that status, you can qualify like anyone else," Goodlatte said.

A number of House Republicans have, like Goodlatte, come out against a "special" pathway to citizenship as part of immigration reform. The argument is that allowing undocumented immigrants to become citizens through a special process could create an incentive for more people to enter the country without authorization, and would be unfair to those attempting to immigrate legally. Goodlatte said undocumented immigrants should instead be required to go through normal channels already in place and get at the "back of the line."

The idea of a "line" is problematic in some ways to immigration advocates -- many undocumented immigrants either have no option available at all, or one that could take decades -- but it's a common concept in reform proposals from both parties.

The most important issues in the definition, then, are whether undocumented immigrants should ever be allowed to become citizens, rather than becoming what advocates consider a permanent underclass that would be unable to vote, and whether the process should be reformed to make it easier to begin the naturalization process.

Goodlatte said undocumented immigrants should not be banned from ever becoming citizens, and that he was open to considering ways of making legalization somewhat easier for undocumented immigrants. That could be done by eliminating three- and 10-year bars that currently require people to go back to their native country and wait for years to re-enter legally, he said.

He declined to rule out some sort of separate visa for undocumented immigrants that wouldn't allow them to naturalize more quickly, but would by definition put them in a different category than other would-be green card holders.

"There's a broad spectrum between deportation and an easy, special pathway to citizenship to find a way to bring people out of the shadows and give them a legal status that would allow them to be better able to participate in our society," he said. "We should be focused there and recognizing as we do that there are millions of people who are not U.S. citizens who are in long lines, waiting to avail themselves of those opportunities, who have followed the legal process."

Most important, he said, is finding some sort of agreement through regular order in the House and Senate. That would mean that any bill should go through his committee, which handles immigration matters, and then to the House floor for a vote.

"We have a broken immigration system, and we should be working to try to solve all of it," he said. "But if we can't solve all of it, we should be solving as many parts of it as we can."

Earlier on HuffPost:

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Source: http://www.huffingtonpost.com/2013/02/27/bob-goodlatte-immigration_n_2773662.html

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Click here to read This Insane 400,000-Piece Lego Hogwarts School Is Larger Than Harry Potter Himself

Alice Finch has created one of the most impressive pieces of Lego architecture to date: a 400,000-brick version of Harry Potter's Hogwarts School. So large that it can fit Daniel Radcliffe?inside. More »

Source: http://feeds.gawker.com/~r/gizmodo/full/~3/rgJ2hcZ45DI/this-insane-400000+piece-lego-hogwarts-school-is-larger-than-harry-potter-himself

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Baylor guard Alexis Prince drives down the court against Oklahoma during the first half of a NCAA Women's basketball game in Norman, Monday, Feb. 25, 2013. (AP Photo/Alonzo Adams)

Oklahoma's Joanna McFarland (53) and Nicole Griffin (4) defend as Baylor forward Brittney Griner (42) looks to pass during the first half of a NCAA Women's basketball game in Norman, Monday, Feb. 25, 2013. (AP Photo/Alonzo Adams)

Baylor guard Alexis Prince (12) drives to the basket around Oklahoma guard Morgan Hook (10) during the first half of a NCAA Women's basketball game in Norman, Monday, Feb. 25, 2013. (AP Photo/Alonzo Adams)

Baylor forward Brittney Griner, back, shoots over Oklahoma forward Joana McFarland and Aaryn Ellenberg during the first half of a NCAA Women's basketball game in Norman, Monday, Feb. 25, 2013. (AP Photo/Alonzo Adams)

NORMAN, Okla. (AP) ? Brittney Griner scored 15 points, tied her season-high with 15 rebounds and blocked seven shots to lead top-ranked Baylor to its 25th straight victory, 86-64 Monday night against Oklahoma.

After sitting out the last 11? minutes of the first half with two fouls, Griner returned and hit the first two baskets in a 10-0 run that pushed the Lady Bears' lead out to 47-30. Baylor (27-1, 16-0 Big 12) led by at least 12 the rest of the way,

Griner moved past Connecticut's Maya Moore into fourth in career scoring in women's basketball. Only Jackie Stiles of Missouri State, Patricia Hoskins of Mississippi Valley State and Lorri Bauman of Drake have more than Griner's 3,045 points.

Aaryn Ellenberg had 19 points to lead Oklahoma (19-9, 9-7). Morgan Hook had 15 points and nine turnovers. The Sooners' two post players, Nicole Griffin and Joanna McFarland, combined to go 4 for 23 from the field.

After watching her team's lead shrink from 16 to four while she was out, Griner quickly put the Lady Bears back in control as the national player of the year is accustomed to doing.

Campbell had a pair of baskets during a string of eight straight Oklahoma points that got the deficit down to 57-45 midway through the second half, but Griner stopped the surge with a turnaround jumper in the lane. She also had a layup to start an 8-0 response by the Bears that restored the lead to 69-48.

Destiny Williams chipped in 16 points and Odyssey Sims had 13 points and six assists.

The Lady Bears stumbled with six turnovers in the first 5 minutes, then cleaned up their act to put together a 13-0 run that included a 3-pointer, a fast-break layup and a jumper from the left block by Jordan Madden for a 19-4 edge with 13:25 to go in the first half. But Griner picked up her second foul about 2 minutes later, and coach Kim Mulkey put her on the bench for the rest of the half.

Griner fouled out for just the second time in her college career in the first meeting between the teams this season, even though the Bears were already firmly in control by then, and Mulkey took no chances putting her back in.

About 30 seconds after Griner's second foul, frontcourt partner Brooklyn Pope was called for charging for the second time and also came out.

Baylor didn't make a basket for the first 5 minutes after Griner exited, and Oklahoma took advantage of seldom-used substitutes Kristina Higgins and Sune Agbuke to go on a 14-2 run to get the deficit down to 24-20. Even then, Mulkey didn't make a move to bring Griner back in, and instead it was freshman Alexis Prince that scored eight points over the final 4 minutes of the half to keep the Bears in front 37-30 at halftime.

Oklahoma fell to 0-16 against No. 1 teams.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/347875155d53465d95cec892aeb06419/Article_2013-02-25-BKW-T25-Baylor-Oklahoma/id-ca9c49bec56c4dcb8c515ce402651b01

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Submitted by Teresa Bergman

For serving as a powerful inspiration to both her students and her colleagues, Dr. Stacey Sowards received the 2013 WSCA Distinguished Teaching Award.

I would also like to express my gratitude to the members of the Distinguished Teaching Award Committee?Heather Canary, Belle Edson, Michelle Hammers and Mary McPherson?for their careful and conscientious consideration of the various nominees? files and supporting materials. One of the committee members nicely captured the feeling all of us had about this year?s group of nominees when she wrote, ?WOW!!? I am overwhelmed with admiration and respect after reading these files. What a pleasure and privilege to be in the company of such skilled & committed professionals.?

We had eight stellar nominees for the award this year, and I want to thank everyone who participated in this nomination process for recognizing the outstanding teacher in your midst. After the committee reviewed all of the materials, I was surprised and pleased to see that we had one unanimous winner who received five first place rankings. Stacey Sowards has been teaching since 2001 and has won twelve teaching awards including the University of Texas Board of Regents Outstanding Teaching Award, and recently she received a $1.4 million grant from the United States Agency for International Development for the development of integrated research, teaching, and practice. Sowards? work illustrates the definition of active and engaged teaching that is particularly attuned to her student population. One of her colleagues wrote that Sowards ?opened doors for students that would likely have remained closed otherwise, and to say that she has impacted these students? lives is an understatement of epic proportion.? One of Sowards? students wrote that, ?She has served as a role model for me as a scholar because through her own work she allowed me to see that my upbringing and culture are deserving of academic study.? One reference that the committee members saw repeatedly in Sowards? work was how her students and colleagues recognized her strong commitment not just to teaching, but also to effective education. One student wrote that, ?her commitment to teaching defies traditional categorization and, instead, completely redraws definitions of what constitutes effective education.? And a colleague from her department wrote that, ?Not only her students, but her peers call her, one of the best, if not the best, classroom teacher they have ever encountered.?

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Source: http://wscanews.org/2013/02/26/2013-wsca-distinguished-teaching-award-stacey-sowards/

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Analysis

Michelle Obama's surprise appearance via satellite from the White House to give the Oscar for Best Picture was perfectly fitting: Hollywood was choosing among three front-runners that portrayed very different views of U.S. presidents and history - high drama, gritty suspense and a stylish thriller.

Set aside the costumes and the score and the editing and all that - the whole storytelling part of each movie - you can argue that by giving the Oscar to "Argo," Hollywood made a choice about U.S. history, too. And it chose a happy ending regardless of how distant it feels from reality.

Yes, "Argo," Ben Affleck's movie about a daring CIA plan to disguise the evacuation of six embassy workers hiding in Tehran in the wake of the 1979 hostage crisis in Iran, is a good yarn. It seems fanciful even though it is based on a true story.

The CIA developed a fake movie as a cover story. It ultimately took an agent's defying orders to get the plan hurtling toward its successful conclusion and the embassy workers holed up in the Canadian ambassador's residence out of Iran.

See More Oscars Coverage

"I want to dedicate this to everyone who uses creativity to solve problems non-violently," said "Argo" screenwriter Chris Terrio, accepting the award for adapted screenplay.

But without taking anything away from the efforts of CIA operative Tony Mendez or his band of movie producers, whose efforts led to the rescue of six Americans, the events of the movie are a sidebar to the Iran hostage crisis that so dominated the news for more than 400 days between 1979 and 1981 and unalterably changed U.S.-Iran relations. (For perspective, there would be no ABC News "Nightline" if there had been no hostages.)

And the military's attempt in April of 1980 to rescue the 52 hostages who spent more than a year in Iranian captivity cost the lives of eight U.S. service members. That is barely mentioned in the film. But the failed rescue probably had as much to do with Jimmy Carter's defeat that November as President Obama's gamble to OK a strike on Osama bin Laden's secret hideout in Pakistan had to do with his re-election.

"Zero Dark Thirty" isn't about a desperate and creatively hatched rescue, but instead a dozen years-long manhunt. It has been criticized for featuring scenes involving the torture of captured enemy combatants. Torture, critics say, didn't lead to the capture of bin Laden. But so-called enhanced interrogation techniques were used by Americans in the wake of Sept. 11.

Watch: Martha Raddatz Interviews 'Zero Dark Thirty' Creators

Instead of the humor and style of "Argo," it has a studied focus. The CIA is still up to creative tricks in "Zero Dark Thirty": There is glancing mention that they created a local vaccine program in a failed attempt to get inside bin Laden's compound before storming it. And it, too, portrays an agent flouting agency convention in her pursuit of bin Laden and her lobbying for political buy-in. The movie ends with the killing of bin Laden, but it is anything but happy.

While "Argo" shows Affleck's character's sighing relief on a plane with his rescued charges out of Tehran, "Zero Dark Thirty" ends with Jessica Chastain's character alone, weeping, and presumably wondering what to do next. That seems a bit like U.S. foreign policy in general in the Middle East.

The death of bin Laden might have been a major victory for the United States, but with one post-Sept. 11, 2001 war in Iraq over and the drawdown of U.S. troops now started in Afghanistan country, bin Laden's death in a third country, nearly two years on, seems to have very little effect on the direction this country was taking toward drone strikes and targeted killing of suspected terrorists.

There's no doubt what Abraham Lincoln accomplished by pushing the 13 th Amendment, which abolished slavery in the United States, through a divided House of Representatives in 1865 that changed the trajectory of the country.

Steven Spielberg's movie "Lincoln" dealt with the at-times underhanded efforts the president and his men undertook to buy off skittish lawmakers and perhaps extend the end of the Civil War. Lincoln is portrayed as a man. He won't let his son join the Army even as tens of thousands of other men's sons are dying on both sides of the war.

Imagine that reality in the age of Twitter. These are the things muted by history, but that seems relevant now as the White House and Congress face off again and again on today's problems.

The end of the Lincoln story is well known. The war ended days before he was shot in April of 1865 and the 13 th Amendment, having passed through the House in January of 1865, was added to the Constitution that December.

But the moral stain of slavery is brought into sharp relief by the movie. It is satisfying to see the bill proposing the amendment pass the House. But it is painful, even at this distance from the actual events, to come to terms with how difficult it was for this country to close that chapter.

"Argo" escapes the moral difficulties of the other two movies about politics and government, in part, by focusing on such a great story. It isn't so much about the Iranian hostage crisis as it is about a caper. The hostage crisis and the politics are just part of the scene.

Summary

The iPad is Apple's tablet computer, unveiled in January, 2010, and launched in April, 2010. The second generation of the iPad -- the iPad 2 -- was unveiled on March 2, 2011. It will be available for sale in the U.S. on March... More ?

Source: http://www.businessinsider.com/apple-unleashed-this-new-ipad-commercial-during-the-oscars-2013-2

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EZStreet Sports 2013 Contests

To be awarded the full value of the EZStreetsports Weekly NBA Contests, Players/Posters must fulfill the following:

Players/Posters must risk at least $300 in total wager volume for the previous week. This includes the day of the game up until the start time of the specific contest game.
Example: This contest is for the NBA All-Star Game that starts at 8:05 PM Eastern time. Wagers for all events that start up to 8:05 PM Eastern and wagers for the previous 6 days apply to this handle calculation.

Players who are not active will still receive 100% of the prize's value, but at a cap of $250.
Once the non-active player reaches this cap, he/she will no longer be eligible for any prizes thereafter until he/she makes a minimum deposit of $250 at EZStreet and puts in the required weekly action ($300) to be considered active again.
Player must maintain a balance of real funds (Deposited Money-not free play funds) and continue being active weekly for a minimum of 5 weeks before going bust to reinstate his non-active rights to free play prizes again.
If the player goes bust before those 5 weeks are over, he must make another minimum deposit to reach the status explained above.

Any prize awarded to a non-active player will require a 10x rollover vs the standard 6x rollover for active players.
Payouts from players who are not active, or when the payout it is coming from free play prizes (without a deposit), will not be allowed for our free payouts on Tuesdays.

Source: http://www.therxforum.com/showthread.php?t=947725&goto=newpost

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Introducing: The secret tool that tens of thousands of the top ranked Google sites have been quietly using for years?

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My name is Brad Callen. I?ve been marketing online since the early 2000s and have been fortunate enough to have generated millions of dollars solely from the internet.

I got my start online in the weight loss niche, marketing an eBook I?d written that is no longer on the market. It was an eBook called "Ultimate Weight Loss Revealed".

Here?s a picture of my very first website and product. Not too bad for having no idea what I was doing, eh?

While marketing to that industry, my website achieved #1 and #2 Google rankings for every single major keyword related to the weight loss niche!

That?s pretty much unheard of to rank #1 or #2 for every single major keyword in a niche, but I did it all from my 2 bedroom apartment, on a dial-up internet connection!

At the time, My dinky little website selling my eBook was beating out fortune 500 companies like Jenny Craig and LA Weight Loss, who had million dollar marketing and advertising budgets. I was spending exactly $0.00 and I was doing this from my 2 bedroom apartment, on a dial up modem!

I?ve since moved out of the weight loss industry completely and into something I have much more passion for? the software/marketing industry. I?ve also taken my new websites to the top for their chosen keywords. Also, very competitive keywords, in that the owners of the sites competing for these keywords know "search engine optimization" extremely well.

We rank #1 in Google for the term: SEO Software

We rank #1 in Google for the term: Search Engine Optimization Software

We rank #1 in Google for the term: Keyword Research Software

These are just 2 of my many websites. I won?t bore you with ranking screenshots any longer. Afterall, when it all comes down to it, we?re not looking for #1 search engine rankings, we?re looking for an increase in the amount of money our business generates, right?

To give you an idea of what sort of money multiple #1?

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Source: http://greatrates.info/blog/2013/02/23/seo-elite-software-search-engine-optimization-link-popularity-web-promotion-link-exchange-search-tool/

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Iowa Gov. Terry Branstad, left, speaks to reporters during a break at the opening session of the National Governors Association 2013 Winter Meeting in Washington, Saturday, Feb. 23, 2013. Exasperated governors who are trying to gauge the fallout from impending federal spending cuts say Washington's protracted budget stalemate could seriously undermine the economy and stall gains made since the recession. (AP Photo/Manuel Balce Ceneta)

Arizona Gov. Jan Brewer, left, gestures asIshe speaks to a reporter before the start of a Health and Homeland Security Committee meeting on ?Protecting Our Nation: States and Cybersecurity? during the National Governors Association 2013 Winter Meeting in Washington, Saturday, Feb. 23, 2013. Standing at the back right, is Governor of Puerto Rico Alejandro Garc?a Padilla. Washington's protracted budget stalemate could seriously undermine the economy and stall gains made since the recession, exasperated governors said Saturday as they try to gauge the fallout from impending federal spending cuts. And both Democrat and Republican CEOs expressed pessimism that both sides could find a way to avoid the massive, automatic spending cuts set to begin March 1. (AP Photo/Manuel Balce Ceneta)

Health and Homeland Security Committee Chairman Gov. Martin O?Malley of Maryland, right, and Vice Chairman Gov. Brian Sandoval of Nevada, talk at the start of the committee?s meeting on ?Protecting Our Nation: States and Cybersecurity? during the National Governors Association 2013 Winter Meeting in Washington, Saturday, Feb. 23, 2013. Washington's protracted budget stalemate could seriously undermine the economy and stall gains made since the recession, exasperated governors said Saturday as they try to gauge the fallout from impending federal spending cuts. And both Democrat and Republican CEOs expressed pessimism that both sides could find a way to avoid the massive, automatic spending cuts set to begin March 1. (AP Photo/Manuel Balce Ceneta)

Indiana Gov. Mike Pence, left, shakes hands with Walgreens CEO and President Gregory Wasson, right, during a break at the opening session of the National Governors Association 2013 Winter Meeting in Washington, Saturday, Feb. 23, 2013. (AP Photo/Manuel Balce Ceneta)

Walgreens CEO and President Gregory Wasson, center, with National Governors Association Chairman Gov. Jack Markell of Delaware, right, and Vice Chairman Gov. Mary Fallin of Oklahoma, left, speaks during the opening session of the NGA Winter Meeting in Washington, Saturday, Feb. 23, 2013. States are grappling with a wave of uncertainty from Washington and facing the potential of spending cuts from the so-called "sequester" as they try to climb out of tough economic conditions. (AP Photo/Manuel Balce Ceneta)

WASHINGTON (AP) ? With the deadline for action less than a week away, exasperated governors are joining a White House push to intensify pressure on Congress to prevent a looming budget crisis.

Both Democrat and Republican chief executives, gathered in Washington for the National Governors Association annual meeting, warned of widespread economic fallout should Washington lawmakers fail to reach an 11th-hour compromise.

"It's senseless and it doesn't need to happen," Maryland Gov. Martin O'Malley, a Democrat, said Saturday. "And it's a damn shame, because we've actually had the fastest rate of jobs recovery of any state in our region. And this really threatens to hurt a lot of families in our state and kind of flat line our job growth for the next several months."

Indeed, some governors expressed pessimism that both sides could find a way to avoid the automatic spending cuts set to begin March 1, pointing to the impasse as another crisis between the White House and Congress that spooks businesses from hiring and hampers their ability to construct state spending plans.

"I've not given up hope, but we're going to be prepared for whatever comes," said Nevada Gov. Brian Sandoval, a Republican. "There will be consequences for our state."

White House officials are scheduled to join several governors on Sunday morning television shows, where they're expected to continue a public education campaign designed to outline the real consequences of inaction. Members of President Barack Obama's Cabinet in recent days warned of widespread flight delays, shuttered airports, off-limit seashores and hundreds of thousands of furloughed employees spread across dozens of states.

Both Secretary of Transportation Ray LaHood and Secretary of Education Arne Duncan are scheduled to appear on national television. O'Malley is among the governors also set to be featured, along with Republican Govs. Bobby Jindal, of Louisiana, Bob McDonnell, of Virginia, and Arizona's Jan Brewer.

There are fewe signs of urgency among congressional leaders, who have recently indicated their willingness to let the cuts take effect and stay in place for weeks, if not much longer.

The cuts would trim $85 billion in domestic and defense spending, leading to furloughs for hundreds of thousands of workers at the Transportation Department, Defense Department and elsewhere.

Defense Secretary Leon Panetta has said the cuts would harm the readiness of U.S. fighting forces.

Obama has unsuccessfully pushed his approach of reducing deficits through a combination of targeted savings and tax increases. House Republicans have said reduced spending needs to be the focus and have rejected the president's demand to include higher taxes as part of a compromise.

___

Follow Steve Peoples at: http://twitter.com/sppeoples and Ken Thomas at: http://twitter.com/AP_Ken_Thomas

___

Online:

National Governors Association: http://www.nga.org

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2013-02-24-US-Budget-Battle/id-6b9b0d16cf764a84a3824174b60d5555

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?

Montreal Mayor Michael Applebaum says a three-day workweek pilot program for police is not working out.

Photograph by: Vincenzo D'Alto , The Gazette

Montreal Mayor Michael Applebaum said he was personally threatened by the head of Montreal?s police union because the city has refused to allow officers to work a three-day workweek.

Applebaum produced an email sent from Yves Francoeur?s head of communications Thursday to his press aide stating ?tell the mayor it?s not the civil servants who will have trouble with us on their back, it?s the mayor.?

Stop the cancellation of the three-day workweek and Francoeur will thank the mayor publicly and ?the episode will be closed? the email states.

Applebaum said he also spoke to Francoeur Friday morning and the head of the police brotherhood told him he had till 6 p.m. to change course on the program or he would be personally attacked, without specifying what form those attacks would take.

Applebaum said the city had tried the three-day workweek as a pilot program, but in evaluations, 30 out of 33 police commanders recommended it be scrapped as it was not working. Montreal police chief Marc Parent and the head of human resources for the city concurred. If the police want to dispute the issue, they have the right, Applebaum said, saying he understood they have families and difficult jobs. But it has to be done through proper channels and not by threatening the mayor of a metropolis.

?I remain convinced Montreal taxpayers, most of whom work five-day weeks, will back me on this,? he said.

? Copyright (c) The Montreal Gazette

?

Source: http://feeds.canada.com/~r/canwest/F297/~3/6fS4V_FK-Tc/story.html

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Sam Morris / Las Vegas Sun

Bishop Gorman head coach Sheryl Krmpotich calls a play during their Division I state championship game against Reno Friday, Feb. 22, 2013 at the Orleans. Reno won 52-39.

Source: http://www.lasvegassun.com/photos/2013/feb/22/477186/

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Lenovo offers its 6.4-lb. Lenovo Z500 Intel Ivy Bridge Core i5 2.5GHz 15.6" LED-Backlit Laptop in Dark Chocolate, model no. 593126U, for $799. Coupon code WEEKLYDEAL drops it to $619. With free shipping, that's among the lowest total prices we've seen for any Lenovo Z500. (We saw this same configuration for $20 less in November.) Sales tax is added where applicable. Features include an Intel Core i5-3210M 2.5GHz Ivy Bridge dual-core processor, 15.6" 1366x768 LED-backlit LCD, 8GB RAM, 1TB hard drive, DVD burner, 802.11n wireless, Bluetooth 4.0, webcam, media card reader, HDMI output, 4-cell battery, and Windows 8.

Source: http://reviews.cnet.com/marketplace/2740-3121_7-123693.html?tag=title

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Feb. 21, 2013 ? The body's immune system exists to identify and destroy foreign objects, whether they are bacteria, viruses, flecks of dirt or splinters. Unfortunately, nanoparticles designed to deliver drugs, and implanted devices like pacemakers or artificial joints, are just as foreign and subject to the same response.

Now, researchers at the University of Pennsylvania School of Engineering and Applied Science and Penn's Institute for Translational Medicine and Therapeutics have figured out a way to provide a "passport" for such therapeutic devices, enabling them to get past the body's security system.

The research was conducted by professor Dennis Discher, graduate students Pia Rodriguez, Takamasa Harada, David Christian and Richard K. Tsai and postdoctoral fellow Diego Pantano of the Molecular and Cell Biophysics Lab in Chemical and Biomolecular Engineering at Penn.

It was published in the journal Science.

"From your body's perspective," Rodriguez said, "an arrowhead a thousand years ago and a pacemaker today are treated the same -- as a foreign invader.

"We'd really like things like pacemakers, sutures and drug-delivery vehicles to not cause an inflammatory response from the innate immune system."

The innate immune system attacks foreign bodies in a general way. Unlike the learned response of the adaptive immune system, which includes the targeted antibodies that are formed after a vaccination, the innate immune system tries to destroy everything it doesn't recognize as being part of the body.

This response has many cellular components, including macrophages -- literally "big eaters" -- that find, engulf and destroy invaders. Proteins in blood serum work in tandem with macrophages; they adhere to objects in the blood stream and draw macrophages' attention. If the macrophage determines these proteins are stuck to a foreign invader, they will eat it or signal other macrophages to form a barrier around it.

Drug-delivery nanoparticles naturally trigger this response, so researchers' earlier attempts to circumvent it involved coating the particles with polymer "brushes." These brushes stick out from the nanoparticle and attempt to physically block various blood serum proteins from sticking to its surface.

However, these brushes only slow down the macrophage-signaling proteins, so Discher and colleagues tried a different approach: Convincing the macrophages that the nanoparticles were part of the body and shouldn't be cleared.

In 2008, Discher's group showed that the human protein CD47, found on almost all mammalian cell membranes, binds to a macrophage receptor known as SIRPa in humans. Like a patrolling border guard inspecting a passport, if a macrophage's SIRPa binds to a cell's CD47, it tells the macrophage that the cell isn't an invader and should be allowed to proceed on.

"There may be other molecules that help quell the macrophage response," Discher said. "But human CD47 is clearly one that says, 'Don't eat me'."

Since the publication of that study, other researchers determined the combined structure of CD47 and SIRPa together. Using this information, Discher's group was able to computationally design the smallest sequence of amino acids that would act like CD47. This "minimal peptide" would have to fold and fit well enough into the receptor of SIRPa to serve as a valid passport.

After chemically synthesizing this minimal peptide, Discher's team attached it to conventional nanoparticles that could be used in a variety of experiments.

"Now, anyone can make the peptide and put it on whatever they want," Rodriguez said

The research team's experiments used a mouse model to demonstrate better imaging of tumors and as well as improved efficacy of an anti-cancer drug-delivery particle.

As this minimal peptide might one day be attached to a wide range of drug-delivery vehicles, the researchers also attached antibodies of the type that could be used in targeting cancer cells or other kinds of diseased tissue. Beyond a proof of concept for therapeutics, these antibodies also served to attract the macrophages' attention and ensure the minimal peptide's passport was being checked and approved.

"We're showing that the peptide actually does inhibit the macrophage's response," Discher said. "We force the interaction and then overwhelm it."

The test of this minimal peptide's efficacy was in mice that were genetically modified so their macophages had SIRPa receptors similar to the human version. The researchers injected two kinds of nanoparticles -- ones carrying the peptide passport and ones without -- and then measured how fast the mice's immune systems cleared them.

"We used different fluorescent dyes on the two kinds of nanoparticles, so we could take blood samples every 10 minutes and measure how many particles of each kind were left using flow cytometry," Rodriguez said. "We injected the two particles in a 1-to-1 ratio and 20-30 minutes later, there were up to four times as many particles with the peptide left."

Even giving therapeutic nanoparticles an additional half-hour before they are eaten by macrophages could be a major boon for treatments. Such nanoparticles might need to make a few trips through the macrophage-heavy spleen and liver to find their targets, but they shouldn't stay in the body indefinitely. Other combinations of exterior proteins might be appropriate for more permanent devices, such as pacemaker leads, enabling them to hide from the immune system for longer periods of time.

While more research is necessary before such applications become a reality, reducing the peptide down to a sequence of only a few amino acids was a critical step. The relative simplicity of this passport molecule to be more easily synthesized makes it a more attractive component for future therapeutics.

"It can be made cleanly in a machine," Discher said, "and easily modified during synthesis in order to attach to all sorts of implanted and injected things, with the goal of fooling the body into accepting these things as 'self.'"

The research was supported by the National Institutes of Health, Penn's Institute for Translational Medicine and Therapeutics, the National Science Foundation, Penn's Materials Research Science and Engineering Center and Penn's Nano/Bio Interface Center.

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Story Source:

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

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

Journal Reference:

P. L. Rodriguez, T. Harada, D. A. Christian, D. A. Pantano, R. K. Tsai, D. E. Discher. Minimal "Self" Peptides That Inhibit Phagocytic Clearance and Enhance Delivery of Nanoparticles. Science, 2013; 339 (6122): 971 DOI: 10.1126/science.1229568

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/top_news/top_health/~3/MsMs2rKjJO8/130221143858.htm

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Einhorn is ready to play. AP Photo / Bill Kostroun

This item has been updated.

Hedge fund manager David Einhorn of Greenlight Capital pointed out that Apple?s $137 billion cash stockpile is larger than the market capitalization of all but 17 companies on the S&P 500.

It?s one of the points Einhorn made as he takes his campaign to shake more cash out of Apple directly to the public. He?s hosting a conference call right now to argue why Apple should issue perpetual preferred stock to return some of its cash pile back to investors.

?It?s not complicated. It?s merely unfamiliar,? Einhorn said of his plan for perpetual preferred stock. He also called it ?innovative.?

Einhorn has sued Apple to bar the company from enacting a shareholder proposal that he says will get rid of Apple?s ability to issue preferred shares, a claim the company disputes. A US District judge on the case said earlier this week that Greenlight has a likelihood of success. Shareholders are scheduled to vote on the measure on Feb. 27.

Although Apple CEO Tim Cook called the dispute with Einhorn a ?silly sideshow,? Apple has said it is studying Einhorn?s proposal and is considering ways to return more cash to investors. Last year, it announced a plan to return $45 billion to shareholders over three years.

Investors have been grumbling about Apple?s lack of generosity to shareholders for years, but many didn?t see an opportunity to pressure the tech giant because it?s stock had been performing so well. That has changed over the last several months, with Apple stock falling by more than 35% since September amid intense competition with Samsung for tablets and mobile phones.

Not every Apple shareholder is on board with Einhorn?s plans. The largest US pension fund, Calpers, supports Apple?s proposal because it requires a shareholder vote before eliminating the ability to issue preferred shares.

Updated at 2:30 p.m. ET:?Einhorn says Apple?s handling of cash has been ?exceedingly non innovative.? He also says Apple?s ?war chest? is more like a ?war vault.? He categorized IBM and Coca-Cola among the shareholder friendly companies while Dell is not, which is why he sold out of Dell stock.

Updated at 2:40 p.m. ET: Einhorn calls his mechanism for returning cash to Apple shareholders ?iPrefs,? the product Apple doesn?t yet know it needs, slyly using the mantra of Apple providing products that consumers don?t yet know they need. He says through iPrefs, Apple would issue a dividend every quarter forever, which translates into $470 million each quarter. Apple could attract a new kind of investor, one seeking a safe source of income.

Updated at 2:50 p.m. ET:?Einhorn says ?while Apple wants to keep its cake (cash), shareholders get to eat it, too.? He said the iPrefs method would give Apple shares a value of $480, higher than where it is trading now. He also argues it would put Apple?s cost of capital to the lowest quartile of the market, where it deserves to be, compared to the highest quartile, where it is now.

Source: http://qz.com/55739/david-einhorn-is-taking-his-apple-cash-fight-to-the-public/

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FORT MYERS, Fla. ? An ensemble of Red Sox minor leaguers that included some of the top prospects in the organization cruised to an 11-1 seven-inning victory over Boston College.

Catcher Dan Butler blasted a two-run homer over the 40-feet high wall in JetBlue Park as part of an eight-run third inning that also included an RBI double by Jackie Bradley Jr., a two-run double by Jonathan Diaz and a two-run single by Mauro Gomez.

Gomez paced the offense by going 3-for-3 with a double while driving in two runs. Bradley had an opportunity to display his all-fields approach, lining out to center on a 2-2 pitch in his first at-bat, launching a 1-0 fastball off the base of the fence in left-center in his second plate appearance and lining out to left field in his third at-bat. Outfielder Shannon Wilkerson later added a two-run homer to left.

Xander Bogaerts went 1-for-4 (dribbler to third, lineout to center, liner to deep left that required a nice leaping catch by the Boston College left fielder, and a double to left-center), and more notably, had a successful first game at third base, handling both groundballs that were hit to him including a nice play on a grounder to his left. Still, the novelty of the hot corner was apparent, as he sought advice from the dugout to help position him.

An ensemble of Red Sox relievers limited Boston College to one run on three hits. Koji Uehara worked around a pair of first-inning singles to record a scoreless first, while Andrew Bailey recorded a shutout second inning before Junichi Tazawa gave up the lone run of the game in the third. Oscar Villareal, Jose De La Torre and BC alum Terry Doyle all contributed with scoreless frames before Brock Huntzinger closed it out.

The Sox now have a short workout on Friday before they commence official Grapefruit League play on Saturday against the Rays.

Here?s video of Bogaerts? double:

Source: http://fullcount.weei.com/sports/boston/baseball/red-sox/2013/02/21/red-sox-prospects-romp-against-boston-college/

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Thursday, February 28, 2013

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Wednesday, February 27, 2013

This Insane 400,000-Piece Lego Hogwarts School Is Larger Than Harry Potter Himself

Griner, No. 1 Baylor women rout Oklahoma 86-64

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Summary

Monday, February 25, 2013

EZSTREET Sports FREE Contest - Which Of The NBA's Three Top Scorers Puts Up The Most Points Today? - Closest Poster Wins A $100 Free Play ! (Closes 6pm Eastern)

SEO Elite Software ? Search Engine Optimization ? Link Popularity ...

Governors join White House to fight automatic cuts

Sunday, February 24, 2013

Mayor claims threats from police union

Montreal Mayor Michael Applebaum says a three-day workweek pilot program for police is not working out.

Photograph by: Vincenzo D'Alto , The Gazette

Saturday, February 23, 2013

Photo: Bishop Gorman head coach Sheryl Krmpotich calls a

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Friday, February 22, 2013

Protein 'passport' helps nanoparticles get past immune system

David Einhorn is taking his Apple cash fight to the public

Red Sox prospects romp against Boston College