Fort Wayne, Indiana Real Estate Website Advisory: Steep Drop in ...

FORT WAYNE, Ind., Feb. 3, 2012 ? Respected Fort Wayne Realtors website RealEstateinFortWayne.org issued an advisory today to homeowners looking to purchase a home in the Fort Wayne, Indiana area, advising them that this may be a golden opportunity to buy a home at a very low selling price.

According to Dave Nevogt, operator of the site, this advisory was issued in response to a recent S&P/Case-Shiller 20-city report of a steep decline in home prices for the month of November 2011. According to this report, month-over-month selling prices fell in 19 of the 20 cities surveyed, a decline of nearly 4% (3.7%) from levels reached a year ago. According to this report, home sale prices reached their zenith in 2006, but have since then declined 32.8%.

According to Nevogt, ?What is truly significant here is that despite all the uproar in Congress and the turmoil across the nation as the housing crisis has hit, home prices are only 0.6% above the bottom-basement level reached in March of 2011. Home sale prices are not picking up, even though we have had continued Fed involvement to keep interest rates low, and some recent evidence to show that the economy is gaining strength. With the further drop in November 2011 home prices, we believe that homes for sale in Fort Wayne are a real bargain right now. We believe that the housing market is sending a strong ?buy? signal to potential buyers.?

The RealEstateinFortWayne.org website is designed to be an online resource for those looking for useful information on buying a home in the Fort Wayne, Indiana area. While not displaying available properties directly on the site, real estate professionals are used to make arrangements for financing and to help prospective buyers to locate properties that meet their needs and which they qualify for financially. The site features many posted articles on various topics, such as finding the best mortgage programs, foreclosure properties, home rental properties, how to find the best rental properties, what short sales are all about, and zero-down homes in the Fort Wayne area. Each and every page features an online form that users can fill out to request a contact from a trained professional from their team, who will work with them. ?Buying a home can be a confusing and nerve-wracking experience. Our team is in place to help wannabe home buyers to get the process started and help them over the rough spots,? said Nevogt.

Asked why home sale prices continue to decline, Nevogt commented, ?Homes in Fort Wayne, and indeed throughout the country, are low priced for a number of reasons. A main reason, of course, is that due to economic difficulties many homeowners have had to either sell their home or that it has been foreclosed upon. Another reason is that large numbers of homeowners who were previously holding on to their property, hoping that the real estate market would rebound and prices would go up, are now coming out of the woodwork and putting those properties up for sale, even though there is a glut of homes already on the market. All this means that there are too many homes and not enough buyers, huge supply but not enough demand, and this has driven home prices downward, and continues to keep them there. This makes it tough for the would-be home seller, but an ideal situation for the home buyer. Now, we feel, is the time for prospective buyers to make their move. You never know when home selling prices will start to rebound. You have to strike while the iron is hot.?

RealEstateinFortWayne.org has as its primary focus providing potential home buyers with fast and accurate real estate information in the Fort Wayne, Indiana area. In these difficult economic times, it is understood that not everyone has perfect credit. We pride ourselves in our ability to find prospective home buyers qualifying properties that match their situation and their needs. They have been in business since 2004, and are based in Indianapolis, Indiana.

MEDIA CONTACT:

Dave Nevogt
Fort Wayne, Indiana
260-440-8971
http://www.RealEstateinFortWayne.org

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Source: http://www.ereleases.com/pr/fort-wayne-indiana-real-estate-website-advisory-steep-drop-home-prices-signals-time-purchase-home-73736

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Boehner: Feds should back off birth control order (AP)

WASHINGTON ? The Obama administration scrambled Thursday to contain a growing election-year outcry over its decision that church-affiliated employers must cover birth control regardless of their religious principles.

House Speaker John Boehner, a Catholic, called the requirement unconstitutional while White House spokesman Jay Carney said it is part of a reasoned policy to promote women's health and does not encourage abortion.

Under President Barack Obama's health care overhaul law, most employers and insurance plans will have to cover birth control free of charge as preventive care for women. Churches and houses of worship do not have to follow that requirement, but administration officials recently announced that many religious-affiliated institutions such as hospitals, colleges and charities must comply after a year's phase-in period.

The wave of protest that followed has clearly taken the White House by surprise. Catholic and Protestant evangelical leaders criticized the decision as infringing on freedom of religion. Some religious liberals have called it politically risky for Obama in a close election year.

"I think this mandate violates our Constitution," Boehner, R-Ohio, said Thursday. "I think it violates the rights of these religious organizations. And I would hope that the administration would back up and take another look at this."

White House spokesman Carney said the decision will stand.

That's unlikely to silence critics. Also joining in disapproval was a group that includes Democratic lawmakers who helped engineer final passage of the health care law. The group, Democrats for Life of America, represents anti-abortion lawmakers who provided the margin of victory in Congress.

"Forcing religious institutions to provide insurance coverage for services that are directly in opposition to their moral beliefs is very clearly wrong," said Kristen Day, its executive director.

The White House defended the decision. Spokesman Carney said the president has no intention of trespassing on religious liberty.

"There was extensive and careful consideration as this policy was developed and a decision was made. And the issue here is we want to be sure women, all women, have access to good health care," he said.

Asked if there's a debate within the administration about reconsidering, Carney responded:

"No, there's not a debate ... the decision has been made, and it was made after careful consideration."

At issue is a provision of the health care law that requires insurance plans to cover preventive care for women free of charge to the employee. Last year, an advisory panel from the respected Institute of Medicine recommended including birth control on the list, partly because it promotes maternal and child health by allowing women to space their pregnancies.

Health and Human Services Secretary Kathleen Sebelius agreed, issuing a new federal regulation last summer.

That rule, however, exempted houses of worship and their employees, as well as other institutions whose primary purpose is to promote religious belief. Churches, synagogues, mosques and other places would not be required to cover contraceptives, it specified. Neither would religious organizations whose purpose is to promote belief, and that primarily employ and serve people of the same creed.

It was a different story for religious-affiliated hospitals, colleges and social agencies that serve the public broadly.

Although many of those employers had not traditionally covered birth control, the new regulation will require them to do so.

For religious-affiliated employers, the requirement will take effect August 1, 2013, and their workers in most cases will have access to coverage starting January 1, 2014.

Women working for secular enterprises from profit-making companies to government will have access to the new coverage starting January 1, 2013, in most cases.

Workplace health plans will have to cover all forms of contraception approved by the Food and Drug Administration, ranging from the pill to implantable devices to sterilization. Also covered is the morning-after pill, which can prevent pregnancy after unprotected sex and is considered as tantamount to an abortion drug by some religious conservatives.

There is no mandate, however, to cover abortions.

Last Sunday, Catholic bishops in more than 140 dioceses issued statements denouncing the decision that were read at each weekend Mass.

The head of the Catholic Health Association, a hospital trade group that supported Obama's health care law, said she was "stunned" by the administration's decision.

"It's not the issue of contraception, but religious freedom," said Sister Carol Keehan. "It's not about preventing women from buying anything themselves, but telling the church what it has to buy, and the potential for that to go further."

An AP-GfK poll from December found that Catholics supported Obama by 49 percent to 45 percent in a matchup with Republican front runner Mitch Romney. But among Catholics who attend Mass weekly, Romney had the edge by 45 percent to 52 percent.

____

Associated Press writers Laurie Kellman, Rachel Zoll, Jennifer Agiesta and Erica Werner contributed to this report.

Source: http://us.rd.yahoo.com/dailynews/rss/obama/*http%3A//news.yahoo.com/s/ap/20120202/ap_on_go_ca_st_pe/us_birth_control_religious_employers

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How To Choose Cruise Ships - Travel - EzineMark

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If you want to relax on vacation, sea cruise would be the best choice. Today, such voyages are not something fantastic anymore, and almost everyone can afford having a cruise. Travel agencies offer a wide range of cruise packages for any taste and budget. But making a choice is really difficult. If you are planning to have a cruise and looking for some tips, this article will help you.

Well, the first thing you have to do is to look through Cruise Ships reviews?? you can find plenty of them in the web. Take part in forum discussions and ask people about their cruise experience.

Think carefully about liner you would like to travel by. There are several kinds of cruise liners: Large Resort Ships (over 1,600 passengers), Mid-Size ships (500-1,600 passengers), Small Ships (200-600 passengers) and Boutique Ships (up to 200 passengers).

If you want to have an opportunity to go to the gym, have dinner in cafes, and play tennis ? large ship is the best choice. But you should remember that the larger ship is, the more time to get from point A to point B you will have to spend. For example, some travelers in their Cruise Ships reviews say that they had to walk for 10 minutes to a table in a dining room.

Large Resort Ships are what you need if you value free space and expect nothing but pure fun from your voyage. But there is the other side of the coin. Boarding and dropping-off inevitably take place in a crowd. As a rule, everything is scheduled, but there are really too many tourists on large liners.

Also, such ships just can?t stay in some ports, so they have to transport passengers on boats. And the last thing- it?s obvious that providing really high-class service for several thousands of passengers is extremely hard.

Mid-Size ships offer more diverse routes and lower prices than large ships. If you are not really concerned with luxury and just want to have an interesting cruise, a ship from this category must be your choice.

Small and Boutique Ships are for people who value quality, comfort and privacy. Cruises on such liners are luxurious. Small and Boutique Ships don?t offer many mass entertainment events as individual approach to every passenger is the main priority here. High quality food, shows, cosmetics and service -? everything for those who love comfort.?

Before you buy a cruise package it?s very important to figure out what you are expecting to get from the voyage. Describe travel agent your expectations (whether you want to celebrate birthday or wedding, whether you have kids or planning to travel with friends) in order to avoid unpleasant surprises. Experienced and attentive agent will offer you the very cruise that meets all your needs.

But, no matter what cruise package you choose, I bet these will be one of the best impressions and memories in your life. Sea cruises are just like the puppy love ? once and forever.

?

Source: http://travel.ezinemark.com/how-to-choose-cruise-ships-7d33aaa39700.html

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Spring 2012 Training Dates for Peer Writing Tutors & Writing and ...

Feb

2

February 2, 2012 | Leave a Comment

Spring 2012 Training Dates for Peer Writing Tutors & Writing and Academic Mentors for First-Year Seminars

Org Session ? Thursday, February 16, CTLR, 4:30-6:30
Session 2 ? ? ? ??Wednesday,?February 22, CTLR, 4:30-6:30 (Bring a paper of your own to Session 3.)
Session 3?????? ??Thursday, March 1, CTLR, 4:30-6:30
Session 4?????? ??Thursday, March 8, CTLR, 4:30-6:30
Session 5?????? ??Thursday, March 15, CTLR, 4:30-6:30
Session 6??????? ?Thursday, March 22, CTLR, 4:30-6:30

Please bring your folder to every training session.

Log training hours under the correct training category.

Training Topics	New PWT (NOT FYSM)	Trained PWT or Trained FYSM	Trained FYSM &?PWT
1?Org/ Begin Training	Attend	Attend	Attend
2? Practice Conf/Tutor Questions	Attend	Attend 2 or 3	Attend
3? Macro-Micro/ Thesis	Attend	Attend 2 or 3	optional
4? Speaking/Writing in Disciplines	Attend	Attend 4, ?5, or 6	Attend
5? Problems/INTL	Attend	Attend 4, ?5, or 6	optional
6?Getting Help/Grammar	Attend	Attend 4, ?5, or 6	optional

Optional Ref-Works sessions will be held for Peer Writing Tutors. These sessions will be paid by LIS.

Attendance policy for PWTs:

We expect you to attend regularly scheduled afternoon training sessions. Makeup sessions are for mentors and tutors who have legitimate conflicts (sports practice, orchestra, job interview, or a lecture required for a class).? In advance of the regular session, please e-mail for permission to attend a makeup session.??Make-ups will be given only with permission and in advance for a valid reason. E-mail Izzy Nuttall for permission. Izzy will consult with Mary Ellen Bertolini, and then let you know if you have permission to attend a makeup session with Izzy.

Source: http://blogs.middlebury.edu/peer_writing_tutors/2012/02/02/spring-2012-training-dates-for-peer-writing-tutors-writing-and-academic-mentors-for-first-year-seminars/

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Iwpec Web Directory ? Blog Archive ? Moving Business NJ Paterson ...

New Jersey Movers Paterson NJ 07544

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• -Moving and Relocating
• -Packing and Unboxing
• -Country to Country Move
• -Commercial Mover
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This entry was posted on Tuesday, January 31st, 2012 at 8:40 AM and is filed under Moving Company. You can follow any responses to this entry through the RSS 2.0 feed. Both comments and pings are currently closed.

Source: http://iwpec.org/Blog/2012/01/31/moving-business-nj-paterson-new-jersey-07544/

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IBEX probe glimpses interstellar neighborhood

ScienceDaily (Jan. 31, 2012) ? Space scientists, including researchers from Los Alamos National Laboratory, have described the first detailed analyses of captured interstellar neutral atoms -- raw material for the formation of new stars, planets and even human beings. The information was presented in Washington, D.C., at a press conference sponsored by the National Aeronautics and Space Administration (NASA).

Researchers at the conference presented data from the Interstellar Boundary Explorer (IBEX), which directly sampled material carried from outside our solar system across the galaxy by solar and stellar winds. Full details of the research comprise a six-paper special section in the February edition of Astrophysical Journal Supplements.

IBEX was launched in October 2008 and has maintained an elliptical orbit around Earth ever since. The space probe uses a pair of special cameras, one of which was developed to a large degree at Los Alamos National Laboratory, to sample neutral atoms reaching Earth's surroundings from the edges of the solar system and its immediate neighborhood.

Earth is mostly shielded from direct bombardment by interstellar particles because the solar wind -- a blast of charged particles emanating from the surface of the Sun -- creates a protective bubble around us that deflects charged particles back into space. Without this bubble, called the heliosphere, Earth would be pummeled by cosmic radiation. IBEX provides the first global view of the outer boundary of this protective bubble.

IBEX also provides a direct sample of the surrounding neutral gas, which blows as an interstellar wind through the solar system.

"Interstellar particles are the raw stuff that form stars, planets, and even us," said Eberhard Moebius, a University of New Hampshire professor and IBEX team member currently on sabbatical at Los Alamos. UNH developed key systems of IBEX's second camera. "In the beginning there was only hydrogen and helium. These two elements formed the first stars. When those stars collapsed and died, they spewed their material, including new elements created through the process of nuclear fusion, out into space. We can tell a lot about the evolution of our universe and perhaps gain insight into other galaxies and planetary systems by analyzing these particles."

With the capacity to detect and analyze helium, hydrogen, neon, and oxygen, IBEX has been able to provide researchers with more information about our galactic neighborhood and raise some pressing questions about it. The IBEX research team has been able to characterize the ratio of oxygen to neon in Earth's present location and compare it to other data. The IBEX observations suggest that the ratio of neon to oxygen in material emanating from outside our solar system is larger than the ratio from within our solar system and also the Milky Way -- our home galaxy -- as a whole.

The ratio difference may suggest that the Sun's present location differs from its birthplace, or that a significant amount of oxygen might be bound up in grains of dust floating in interstellar space. Regardless of which hypothesis is correct, the IBEX mission findings are significant because this is the first time scientists have been able to gain direct quantitative measurements of the hydrogen, oxygen, and neon flow from outside our solar system, along with far more detailed observations of the interstellar helium flow.

Which leads to another interesting IBEX discovery:

The IBEX team has learned that the interstellar wind blows at about 52,000 miles per hour -- about 7,000 miles an hour slower than previously measured.

IBEX takes advantage of a nature-provided "speedometer" for the interstellar wind by observing the degree of deflection of the gas on its journey into the solar system and past the Sun. The Sun's gravity deflects slower atoms to a stronger degree than it deflects faster atoms. IBEX is able to measure the flow direction in Earth's orbit with high precision, therefore providing the true speed and direction of the interstellar wind. With this tool, the researchers have been able to gain a better understanding of where Earth currently resides relative to known nearby clouds of interstellar material within our home planet's galactic neighborhood.

These nearby interstellar clouds are denser than the surrounding space and are moving at substantial speeds. Astronomers have measured the speed of many neighboring clouds and wondered about Earth's position among the closest clouds because the previously known interstellar wind speed did not match with any of the closest clouds. However, the new IBEX observations place the solar system within what is called the Local Interstellar Cloud.

Astronomers tell us that Earth is traveling near the edge of this cloud and will leave it at any time within the next few thousand years -- just the blink of an eye on astronomical time scales. When this occurs, the heliosphere, the protective bubble surrounding us, may expand significantly since it will be less constrained by the sparsely populated region it enters. On its journey roughly in the direction of the center of the Milky Way, Earth and our solar system will meander toward and into the next cloud over, called the G cloud (named for the cloud toward the galactic center).

Just three and a half years into the IBEX mission, at a time when the two Voyager spacecraft are due to exit the heliosphere within the next decade, who knows what other surprises researchers will uncover about our solar system and its immediate neighborhood? Only time will tell.

"How wonderful it is to see that some of the same technologies developed at Los Alamos National Laboratory for keeping our nation safe are being used to understand how Earth keeps itself safe from the turbulent forces of the universe and to gain a better understanding of our place in the galaxy," said Los Alamos's Herb Funsten, part of the original research team responsible for development of one of IBEX's cameras.

NASA Briefing Materials: http://www.nasa.gov/mission_pages/ibex/multimedia/013112-briefing-materials.html

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The above story is reprinted from materials provided by DOE/Los Alamos National Laboratory.

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

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

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

Source: http://www.sciencedaily.com/releases/2012/01/120131150828.htm

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Overweight mothers who smoke while pregnant can damage baby's heart, study finds

ScienceDaily (Jan. 30, 2012) ? Mothers-to-be who are both overweight and smoke during their pregnancy risk damaging their baby's developing heart, finds research published online in Heart.

Congenital heart abnormalities are some of the most common defects found at birth, with around eight in every 1000 babies affected. A likely cause is only found in 15% of cases.

The authors base their findings on an analysis of almost 800 babies and foetuses who were born with congenital heart abnormalities, but no other defects, between 1997 and 2008.

These babies were compared with 322 children and foetuses who were born with chromosomal abnormalities, but without any heart defects.

The analysis pointed to an enhanced damaging effect for a combination of overweight and smoking as opposed to one of these factors alone, after taking account of influential factors, such as the mother's alcohol consumption and educational attainment.

Mums to be who both smoked and were overweight, with a BMI of 25 or more, were more than 2.5 times as likely to have a child with a congenital heart defect as women who either smoked or were overweight, but not both.

The risk of outflow tract obstructive abnormalities, whereby blood flow from the ventricles of the heart to the pulmonary artery or aorta is reduced/blocked, more than tripled in babies born to overweight mums who smoked while pregnant.

"These results indicate that maternal smoking and overweight may both be involved in the same pathway that causes congenital heart defects," write the authors.

While the exact mode of action is not clear, they point to disturbances in plasma cholesterol, which is independently associated with obesity and smoking, and which results in lower levels of "good" cholesterol and higher levels of "bad" cholesterol.

The findings add to the growing body of evidence for the links between smoking and overweight during pregnancy with, variously, miscarriage/stillbirth, stunted growth, and premature birth, say the authors.

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The above story is reprinted from materials provided by BMJ-British Medical Journal.

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Journal Reference:

1. Maria E Baardman, Wilhelmina S Kerstjens-Frederikse, Eva Corpeleijn, Hermien E K de Walle, Robert M W Hofstra, Rolf M F Berger, Marian K Bakker. Combined adverse effects of maternal smoking and high body mass index on heart development in offspring: evidence for interaction? Heart, 2012; DOI: 10.1136/heartjnl-2011-300822

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

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

Source: http://feeds.sciencedaily.com/~r/sciencedaily/~3/R3g_uJWSVlk/120130184532.htm

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