New-home sales fell in August for 4th month

In this Aug. 22, 2011 photo, a new home is shown for sale, in Pepper Pike, Ohio. Sales of new homes fell to a six-month low in August. The fourth straight monthly decline during the peak buying season suggests the housing market is years away from a recovery.(AP Photo/Tony Dejak)

In this Aug. 22, 2011 photo, a new home is shown for sale, in Pepper Pike, Ohio. Sales of new homes fell to a six-month low in August. The fourth straight monthly decline during the peak buying season suggests the housing market is years away from a recovery.(AP Photo/Tony Dejak)

In this Aug. 22, 2011 photo, a home-available sign is seen in front of a new home under construction in Apopka, Fla. Sales of new homes fell to a six-month low in August. The fourth straight monthly decline during the peak buying season suggests the housing market is years away from a recovery.(AP Photo/John Raoux)

In this Sept. 25, 2011 photo, a for sale is posted near new homes for sale in the Blackstone development in Brea, Calif. Sales of new homes fell to a six-month low in August. The fourth straight monthly decline during the peak buying season suggests the housing market is years away from a recovery.(AP Photo/Chris Carlson)

WASHINGTON (AP) ? Sales of new homes fell to a six-month low in August. The fourth straight monthly decline during the peak buying season suggests the housing market is years away from a recovery.

The Commerce Department said Monday that new-home sales fell 2.3 percent to a seasonally adjusted annual rate of 295,000. That's less than half the roughly 700,000 that economists say must be sold to sustain a healthy housing market.

New-homes sales are on pace for the worst year since the government began keeping records a half century ago.

High unemployment, larger required down payments and tougher lending standards are preventing many people from buying homes. Plunging stocks and a growing fear that the U.S. could tip back into another recession are also keeping people from entering the housing market.

Pierre Ellis, an analyst at Decision Economics, said that until wages increase and hiring picks up, home sales will languish.

The "bad news is the evident absence of optimism that sales will pick up to any degree," Ellis said.

While new homes represent less than one-fifth of the housing market, they have an outsize impact on the economy. Each home built creates an average of three jobs for a year and generates about $90,000 in taxes, according to the National Association of Home Builders.

Last year was also the fifth straight year that sales have fallen. It followed five straight years of record highs, when housing was booming.

The median sales price of a new home fell nearly 9 percent to $209,100 ? the lowest price since last October. That suggests builders are slashing their prices in order to compete with comparably lower-priced previously occupied homes.

Foreclosures and short sales ? when lenders accept less for a house than a mortgage is worth ? are forcing prices down. Those homes are selling at an average discount of 20 percent, and they are lowering neighboring home values. That's made many re-sales a bargain compared with new homes, creating an average 30 percent disparity in prices.

Many builders have stopped working on projects and are waiting for demand to pick up. Home construction is down nearly 6 percent over the past year.

Still, permits, a gauge of future construction, have risen nearly 8 percent this year. Builders may be preparing to start dormant project once the economy improves.

Sales were uneven across the country. They plunged 13.6 percent in the Northeast, which was hit by Hurricane Irene at the end of the month. They also fell 6.3 percent in the West and 2.4 percent in the South. They rose 8.2 percent in the Midwest.

All home sales remain weak. The August sales pace for previously occupied homes was 5.03 million. That's slightly above last year's sales, which were the fewest since 1997. Economists say roughly 6 million older homes need to be sold each year to sustain a healthy housing market.

Home prices have dropped more since the recession started, on a percentage basis, than during the Great Depression of the 1930s. It took 19 years for prices to fully recover after the Depression.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2011-09-26-New%20Home%20Sales/id-4b48a63ace7a4ae1be6cf59a04a758ad

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Mindbloom Is a Game That Rewards You For Living a Rich, Full Life [Games]

The Mindbloom Life Game gives you a fun and interactive way to work on your own motivations and personal goals and passions. Unlike a lot of self-improvement "games" that are gimmicks to help you build a to-do list, Mindbloom was designed to be fun, story-driven, and useful at the same time.

When you play Mindbloom, you plant a tree that represents your life, with leaves that represent the different aspects of your life that are important to you. As you progress through the game, you have to decide what actions you can take that will nurture different parts of the tree based on the limited time and resources that you have. Once you've identified the areas of your life that are important to you, like your health, career, relationships, finances, spirituality, and more, you can nurture your "life tree," which will then grow and develop in different ways based on how you water it and how much sun it gets.

This is where the self-help part comes in. In order to nurture the tree, you come with a list of things you want to do now or have always wanted to do and add them to a kind of personal development plan. For example, you can select from items already in the game that encourage things like healthier eating, exercise, calling your family, or random acts of kindness.

Customize your personal plan with images and music, and then go into the real world and do the things you added to your list. As you perform real-world actions, you get points, achievements, badges, and other in-game rewards for essentially doing the things you've always wanted to do anyway. As you play, you'll earn more rewards, and ideally the bigger benefit will be in your real, offline life.

Mindbloom | via VentureBeat

---

You can reach Alan Henry, the author of this post, at alan@lifehacker.com, or better yet, follow him on Twitter or Google+.

Source: http://feeds.gawker.com/~r/lifehacker/full/~3/NSK5RC525kU/mindbloom-is-a-game-that-rewards-you-for-living-a-rich-full-life

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Gene could explain why treatments fail some with asthma

By Julie Steenhuysen

CHICAGO | Mon Sep 26, 2011 7:04am EDT

CHICAGO (Reuters) - Genetic differences could explain why some 40 percent of people with asthma do not respond to inhaled steroids used to achieve long-term asthma control.

U.S. researchers have found that asthma patients who inherited two copies of a specific gene variant were far less likely to respond to steroid inhalers than people with two copies of the more common version of the gene.

"This finding helps to explain the genetic basis for the long-standing observation that some people do not respond well to what is a common asthma treatment," said Dr. Susan Shurin, acting director of the National Heart Lung and Blood Institute, which sponsored the study released online on Monday in the New England Journal of Medicine.

The findings point the way to more personalized treatments for asthma, an inflammatory disease that affects more than 22 million Americans and some 300 million people worldwide.

Inhaled steroids work by reducing swelling of the airways.

"The study illustrates the importance of research examining the relationship between genetic makeup and response to therapy for asthma, and underscores the need for personalized treatment for those who have it," said Shurin, whose agency is part of the National Institutes of Health.

For the study, researchers from Brigham and Women's Hospital and Harvard Medical School -- both in Boston -- analyzed the genetic information from more than 1,000 people enrolled in clinical trials evaluating different asthma treatments.

The researchers used a family based model in which they studied the genetic makeup of children with asthma and their parents to identify genes that might play a role in response to inhaled steroids, such as AstraZeneca's budesonide sold under the Pulmicort brand and Glaxosmithkline's fluticasone or Flovent, a key ingredient in its Advair asthma treatment.

The team, led by Dr. Kelan Tantisira, found that people who inherited two copies of a genetic variant to the GLCCI1 gene were less likely to respond to treatment.

In the poor responders, treatment with an inhaler produced just one third of the level of lung improvement as that seen in people with two regular copies of the gene.

NEJM Editor-in-Chief Dr. Jeffrey Drazen said in an editorial the study brings researchers closer to being able to identify which patients are most likely to respond to treatment from inhaled steroids, which are used by millions of people.

But much work still needs to be done to understand how genetic differences affect asthma treatment, Drazen said.

"Although these research results are a step forward, they are not the end of the road," Drazen wrote.

He said clinical trials will need to be done to see if understanding a person's genetic response to drugs helps improve treatment results.

The findings were presented on Monday at the European Respiratory Society Congress in Amsterdam.

Source: http://feeds.reuters.com/~r/reuters/scienceNews/~3/-PueVe1zzAc/us-asthma-genetics-idUSTRE78P1FE20110926

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Philosophy lesson - Life 101 | lesson, commentary, life ...

Last week in my junior English class, my teacher gave us a writing assignment.? We were to write a short essay on our philosophy of life.

When I first heard the assignment, I didn't think it seemed too difficult.? Being the type of student who would much rather write an essay than make a poster, I wasn't too concerned with what I would write.? I was excited to write my thoughts out on paper.?

Even though I've never really thought about what my philosophy of life is, I feel that I have a good idea on how I want to live my life. My family has always been the people I look up to and want to model my life after.

My philosophy on life is based on the philosophies of the people around me.

My grandparents have taught me many things. When I'm having a hard time, they always have words of wisdom to share with me. One that is always in the back of my mind is this: No matter how hard you may think you have it, someone out there has it ten times worse.

This could definitely be included in my philosophy of life.? It has taught me to always be helpful and generous.? When I feel like things are going downhill, I remind myself to be thankful for all of the good things in my life.

Alexander Graham Bell said, ?When one door closes, another opens.? When things don't go my way, I always remember that there are other options out there.? Everything happens for a reason, even if I don't know what that reason is.

Keeping this in the back of my mind always helps me get through tough times.? If I don't succeed at something, I know that there is a reason why and that maybe I will succeed in the next thing that I try.

This famous quote by Gandhi has always stood out to me: ?We must be the change we want to see in the world.? It is easy for one to complain about the things that are going on around them, but it takes someone with a lot of courage to actually try to change them. In my life, I never want to sit around and wait for someone else to make the change. I want to strive to be the one who helps make the change.

?Treat others the way you would like to be treated.?? This quote seems to be the simplest to understand.? We were told to follow this in the earliest stages of childhood. Ironically, it seems to be the hardest to follow. We expect others to treat us with the utmost respect, yet we have a hard time doing the same for them.? Sometimes, our expectations of others are unreasonable and hypocritical.?

Few people have an original philosophy of life. We take bits and pieces of the philosophies of those whom we respect and blend them into one, making our own personal philosophy of life.?

I hope that I can do as my family did and help my children and grandchildren form their own philosophy of life.

Katie Hackett is a junior at Jacksonville High School.

Source: http://www.myjournalcourier.com/articles/lesson-35438-commentary-life.html

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Malaysia Hosting ? Find out why you should host your website in ...

Malaysia is located at the center of the South East Asia and it is a good location to host your web sites because of:

1) The web hosting fee is the cheapest in South East Asia

2) The labour cost or the human resource expenditure is one of the lowest

3) The infrastructure of the internet cables, setup and usability

4) All the helpdesk staff can speak good English

5) The internet access speed is one of the best in Asia

At this moment, there are more than 100 web hosting companies in Malaysia. Few of them have controlling most of the web hosting market share in Malaysia. These companies are making handsome income to satisfy their shareholders and pay high salary to their employees. They can provide good web hosting service at very low price.

They also very competitive in the international market. Meaning, they also host many foreign websites from United states, Europe, Africa, etc. Malaysia web hosting market share is too small and competitive, only about 10 to 20 percents of the Malaysia?s population can access and use the internet on daily basis. Most of the business owners still reluctant to have a company website to promote their business online. Majority of the Malaysian are either too poor to pay the internet access fee or too busy to go online to surf internet or check emails.

Not all web hosting companies in Malaysia are successful. Some of them hosting less than 10 web sites. Usually these small companies disappear after 1 or 2 years. Only a few can sustain for more than 5 years. This is normal because only the fittest can survive.

Most of them lack of funding to support their business operation. Because most of them are owned by Chinese or Indian. Malaysia government prefer to offer financial aid and other means for Malay owned companies. Thus, without the strong ?water supplies?, these companies are struggling to survive. Those which can survive and continue to grow without any help from the Malaysia government become the best and able to compete in the international market. These successful companies are as good as any US or Europe web hosting companies in terms of abilities, skills and knowledges.

Some people might said that Malaysia?s internet speed is too slow and therefore it is not wise to host the website there. Yes, this is true and Malaysia government is working hard to solve this problem by upgrade the internet access speed to 20mbps recently. UniFi is the latest offer from the Telekom Malaysia (TM). It also offer VoIP and Internet TV services.

The most and ultimate challenge faced by web hosting companies in Malaysia is the quality of infrastructures and services provided by the only internet core infrastructure provider in Malaysia ?> Telekom Malaysia (TM)

Currently, base on my own experience. TM?s DSL internet service ?> Streamyx has the tendency to slow down or line down for at least 2 to 10 times within a month. It can be as slow as or slower than a dial-up (56kbps) internet speed during the peak hours and during school holidays. If the internet is down, no matter how good is your web hosting servers and how experts are the engineers who managing it. Your web sites hosted in that server is inaccessible by anyone thru the internet. Internet Congestion or Internet Traffic Jam, that is the unsolved problem until know since Telekom Malaysia introduced internet services in 1995 or 1996.

That is why most of the big corporations want to host their web sites out of Malaysia. But if your web site target audience is from Malaysia. Then you should host your web site in Malaysia. Because when the Telekom Malaysia internet service for international access is down or slow, you and your target customers can still visit your web site within Malaysia. Yes, within Malaysia only, all other countries cannot see your website.

If you want to learn more about hosting malaysia or need more info on malaysia web hosting then look no further!

Source: http://accessarticle.net/malaysia-hosting-find-out-why-you-should-host-your-website-in-malaysia/

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Fannie Mae cited for failing to stop robo-signing (AP)

WASHINGTON ? Fannie Mae missed chances to catch law firms illegally signing foreclosure documents and its government overseer did not take the right steps to ensure Fannie was doing its job, according to a federal watchdog.

The Federal Housing Finance Agency's inspector general said in a report Friday that Fannie failed to establish an "acceptable and effective" way to monitor foreclosure proceedings between 2006 and early 2011. FHFA then failed to ensure it was complying with demands that it clean up its programs.

Mortgage industry employees ? including law firms employed by Fannie Mae ? signed documents they hadn't read and used fake signatures on foreclosure cases across the country. The practices, known collectively as "robo-signing," resulted in a suspension of foreclosures last fall and a probe by all 50 state attorneys general into how corners were cut to keep pace with the crush of foreclosure paperwork.

In 2005, Fannie hired outside investigators to look into allegations about faulty foreclosure documents. A year later, Fannie received a report from the investigators that found law firms working for Fannie had filed false documents.

Fannie said it was developing a computer system to improve communication and monitor its attorneys but the inspector general said they found no evidence Fannie had made any improvements in overseeing its attorneys.

FHFA was created in 2008 to oversee mortgage buyers Fannie Mae and Freddie Mac. To make sure Fannie was doing its job, FHFA has the authority to fire and replace employees; issue cease and desist orders; and impose fines. To date, the agency has not taken any of those actions, the inspector general's report said.

Fannie and Freddie own or guarantee about half of all U.S. mortgages, or nearly 31 million home loans worth more than $5 trillion. As part of a nationalized system, they account for nearly all new mortgage loans.

The Bush administration seized control of the mortgage giants in September 2008, hoping to stabilize the beleaguered housing industry.

In a separate report released Friday, the inspector general says the FHFA lacks examiners to monitor Fannie. Just a third of its 120 non-executive examiners are federally accredited, the report found. Other federal regulators, such as the Federal Deposit Insurance Corp., usually require all of their examiners to be accredited.

Source: http://us.rd.yahoo.com/dailynews/rss/personalfinance/*http%3A//news.yahoo.com/s/ap/20110923/ap_on_bi_ge/us_fannie_oversight_failures

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Does anybody know the starting salary for a ... - Education Reference

Question by nealspeal21: Does anybody know the starting salary for a Teacher in Illinois with a Masters in Education?
Hello, I live in Northern Illinois and currently have a BS in Marketing and am considering going to get my MA in Education. Does anybody know of the salary for teaching with a non-education BS and a MA in it? Also, anyother insight into this degree would be very helpful. I am 23 and am not quite sure what MA in Education I want to pursue at this time. Thank You

Best answer:

Answer by Dr Schmoo
Check in at the local McDonald?s. I understand it is the same as the 10 to1 grill position there.

What do you think? Answer below!

Source: http://www.qiyic.com/archives/3231

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The Value of a Small Business Marketing Firm

September 4, 2011 by admin?

The right small business marketing firm will show you how social networks can improve your conversion rates, keep clients loyal and improve that loyalty. You will also learn of other new technological strategies that will appeal to the new generation of client that you want to attract, while not alienating the older client.

By researching, interviewing and engaging a small business marketing firm, you could radically change the face of your business. A small business marketing firm will professionally guide you through all the latest and greatest marketing strategies that have worked for their clients or those in the industry.

A small business marketing firm will allow you to have a vote in how you monitor and how you provide maintenance for any new marketing plan that they put into place. There is great value in being tutored and feeling in control.

Source: http://www.soxandpinstripes.com/small-business-marketing-firm/

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Handpicked Home Based Business Ideas For Reaping Great ...

With the world getting merged with cyberspace, lots of lucrative home based business opportunities are seen popping up. The advent of internet has brought a revolution and has opened new vistas in the process of online money making. Such business has become increasingly common for people who want to start a home based business and earn money to experience a better work life balance.

The vital thing of getting started on the internet is choosing the right business. These days you will find internet full of legitimate and lucrative home based business ideas. On the other side of the spectrum, you will come across multiple scams and frauds that vows people getting millionaire overnight. So, those seeking to start a home based business must conduct a thorough research on the probable business opportunities, prior to starting. In a nutshell, for the success of any home related business ideas, one should be prepared to work hard, learn a lot and must have unflinching dedication.

What it requires for best home based business ideas

The best home based business idea must be a business that offers you a repeating income and does not require to depend fully on own efforts. It means that the amount of effort you make today will help you getting paid for coming years. This means that as you start growing your business, you will be building on the amount of money that you will be earning from future.

Home backed business idea must tally well with your interest level. This will help you working on it consistently. So, first find out the interest level, and then seek the products that you want to go for marketing. Highlighting on these things will let you have an opportunity to earn money from various streams.

Remember the best home based business is that which fetches you multiple streams of income. Some business opportunities come with multiple stream of income that lets you earn money from several streams. Go for such business idea that gives you a secure and lasting way to earn a living online. It is therefore advisable that you focus on home based business ideas that boast of long-term success.

A full- fledged marketing plan is necessary to grow the business opportunity on larger scale. Remember a business can flourish or crumble, depending on how you market. So, effective marketing skills will help you determine the effectiveness of online business. Remember at the end of the day, how you decide to promote, what you choose to do online will make a whole lot difference.

The online home based business must go according to your skills and knowledge. Without necessary skills and adequate knowledge, it is pretty tough to take your home based business to the acme of success. With the development of skills and knowledge, you will not only make your business profitable but increase your chance of success in industry.

Hence, while searching for the lucrative and profitable home based business, judge every opportunity, and flip through the essential factors to make out the best prospect for you.

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Equity Business Manager ? Equity Research, Trading, Portfolio ...

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Details for Equity Business Manager ? Equity Research, Trading, Portfolio Management, Quantitative Research Trade Ideas

Business Area: Equity
Package: Total comp upto 300K
Type: Perm
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Contact Name: Fatiha Belorf
Contact Email: fbelorf@riversdaleconsulting.com
Contact Phone Number: 2033716860

My client, Global Technology Leaders are seeking highly motivated individuals to be a part of a growing, global Equity Business Development team as a Business Manager. You will have knowledge in either; equity research, trading, portfolio management, quantitative research or security analysis.
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Source: http://www.clearingandsettlement.com/2011/09/equity-business-manager-equity-research-trading-portfolio-management-quantitative-research-trade-ideas-equity/

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Source: http://wezupport.biz/2011/09/seo-and-internet-marketing-consulting-services-company-in-toronto-canada/

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Rick Perry's furious effort to court Christian leaders (Los Angeles Times)

Share With Friends: | | Politics - Top Stories News, News Feeds and News via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/130310435?client_source=feed&format=rss

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Business Management and Marketing | NY Zone Exchange

As any good business owner should know, marketing encompasses a wide variety of actions that can be considered for any type of business. One marketing type is often overlooked by the business management process; network marketing. Network marketing should actually be included into the marketing plan of any business. The key to success when it comes to network marketing is to keep your goals simple but effective.

We mention the fact of keeping your goals simple because many managers tend to complicate the issue while they look for the best marketing method and end up not putting any viable plan into action. There are two angles that you can use to look at network marketing. The first are the well-known multilevel marketing strategies that many companies already use. The second involves business and marketing while away from the office, which is within the social environment. Many people consider the social part of network marketing as wasting time since it is done in a non-business environment such as over dinner or while playing golf. Actually, these events need to be viewed as building relationships with others that could pay big dividends in the future.

If you focus on networking from the social aspect, it can open up a wide range of opportunities within the local or extended communities. Examples of this type of social networking are to have ads placed in community based venues and events that benefit the view of your business. For instance, having ads for your business at local sporting events, or even sponsoring a local sports team can pay off with huge returns on the investment. Successful networking involves keeping your options open. Building new relationships within the business community is important, as well as thinking ?outside of the box? when it comes to getting your company name and your product in front of as many people as possible.

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Source: http://www.nyzx.net/business-management-and-marketing.html

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John Danner shoots for the stars with Rocketship charter schools

Rocketship schools employ computers and coaches to help teach low-income kids, and see student performance rise dramatically.

Fifteen years ago, John Danner started the internet company that eventually made him rich. At 31, he retired. But a nagging question kicked in: ?Now what??

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With a nudge from the Jesuits, whose schools he?d attended as a child, and after earning his stripes as a classroom teacher, Mr. Danner co-founded the charter school network Rocketship. Rocketship has 2,500 students in five elementary schools in San Jose, Calif. Roughly 90 percent of Rocketship?s students are from low-income households, and 70 percent or more don?t speak English at home.

And they?re outperforming everyone?s expectations.

In the interview below, which has been condensed and edited, Danner shares some of his team?s best ideas.

Charter schools aren?t the oddity they once were in American education, but Rocketship has been lauded for its unusual approach to education. What?s your innovation?
Danner: The key idea with Rocketship is that there is a place for classroom instruction and for individualized instruction exactly at the developmental level of a child. We created a school model that incorporates both ? we have six hours of classroom time and two hours of Learning Lab time, which is where we do our individualized instruction, with tutoring and computers.

Learning Lab is not staffed by teachers; it?s staffed by instructional coaches, who generally have high school or college degrees but are not certified teachers. Theywork at an hourly wage, of around $14 an hour, as opposed to much more highly paid teachers. We hand them a scripted curriculum; they oversee the work children are doing on computers, and they?re perfectly capable of providing instruction as long as we know exactly what each child needs to learn.

The net effect is that we save, with schools of about 500 kids, about half a million dollars a year, and we reinvest that then into the things we matter most for the school ? training our teachers very, very well; empowering our parents; developing our leaders; paying our teachers a 20 percent higher salary than surrounding school districts. We always say if you are an educator and somebody wrote you a half-million dollar check every year and said do better things with your school, you could probably figure out how to do that.

What we?re really doing is changing the way that schools work economically. The model has been that however many kids you have at a school, you need a number of teachers equivalent to teach every one of those children.

What results are you seeing in terms of children?s learning?
It catches kids up. About 90 percent of our lowest-performing children move up, from the bottom quartile [or 25 percent in test results] up to the top or to the second quartile.
The key is, you have enormous potential to increase the amount a child can learn at a time. We get a 100 percent increase ? and we?re not very good at it yet. We think we can get better.

Are there things a computer teaches better than a teacher ? or things it can?t teach at all?
There are some very difficult things for computers to teach. Anything in the areas of critical thinking or social-emotional learning or written expression, those are really difficult, and at Rocketship we don?t spend a lot of time trying to get them to do that. What we think is that they?re generally almost always better at the core basic skills, like addition.

The reason that they?re better is a nonintuitive thing. When a child is on a program [practicing] two-digit addition, a program can do something a teacher doesn?t have time to do: It can say, ?Hmm, you?ve done these three addition problems wrong, so I?m not going to have you keep doing that. That?s a waste of your time. I?m going to move to a test that tests you on the pre-skills for this addition ? do you know how to add single digits? Do you know how to carry? Once you?re good at that, I?ll take you to two-digit addition.?

The level of attention that precision would take from a teacher managing a classroom of 32 ? you can?t do it.

So it?s not possible that computers would one day replace teachers?
No. Actually, we say teachers really didn?t become teachers to teach these basic skill. Kindergarten teachers didn?t sign up to be kindergarten teachers because they wanted to teach short ?a? and long ?a? sounds for 80 hours. They signed up because they like working with children. They like to teach social emotional skills, to stretch their thinking.

Source: http://rss.csmonitor.com/~r/feeds/csm/~3/bt3tjicBZ7I/John-Danner-shoots-for-the-stars-with-Rocketship-charter-schools

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