Protestors shout slogans as they fill up Neptuno Square during a demonstration against government austerity measures in Madrid.
By NBC News wire services
MADRID ? Tens of thousands of Spaniards and Portuguese rallied in the streets of their countries? capitals Saturday to protest enduring deep economic pain from austerity cuts.
In Madrid, demonstrators approached parliament for the third time this week to vent their anger against tax hikes, government spending cuts and the highest unemployment rate among the 17 nations that use the euro currency.
The boisterous crowds in the Spanish capital let off ear-splitting whistles near parliament and yelled ??Fire them, fire them!?? -- referring to the conservative government of Prime Minister Mariano Rajoy.
Rajoy?s administration presented a 2013 draft budget on Friday that will cut overall spending by 40 billion euros ($51.7 billion), freezing the salaries of public workers, cutting spending for unemployment benefits and even reducing spending for Spain?s royal family next year by 4 percent.
Pablo Rodriguez, a 24-year-old student doing a master?s in agricultural development in Denmark, said the austerity measures and bad economy mean most of his friends in Spain are unemployed or doing work they didn?t train for.
Andres Kudacki / AP
A picture of Spanish Prime Minister Mariano Rajoy is seen during the demonstration in Madrid.
Spain's unemployment rate is almost 25 percent, and more than half of people under 24 are jobless.
??I would love to work here, but there is nothing for me here,?? Rodriguez said. ??By the time the economy improves it will be too late. I will be settled somewhere else with a family. One of the disasters in Spain is they spent so much to educate me and so many others and they will lose us.??
He doubts he will put his education to use in Spain until he is 35 or 40, if ever, will probably get job abroad and stay.
In Lisbon, retired banker Antonio Trinidade said the budget cuts Portugal is locked into in return for the nation?s ?78 billion ($101 billion) bailout are making the country?s economy the worst he has seen in his lifetime. His pension has been cut, and he said countless young Portuguese are increasingly heading abroad because they can?t make a living at home.
??The government and the troika controlling what we do because of the bailout just want to cut more and more and rob from us,?? Trinidade said, referring to the troika of creditors -- the European Commission, the European Central Bank and the International Monetary Fund. ??The young don?t have any future, and the country is on the edge of an abyss. I'm getting toward the end of my life, but these people in their 20s or 30s don?t have jobs, or a future.??
In Spain, Rajoy has an absolute majority and has pushed through waves of austerity measures over the last nine months -- trying to prevent Spain from being forced into the same kind of bailouts taken by Portugal, Ireland and Greece.
The protests near Spain?s parliament turned violent Tuesday and Wednesday nights when protesters clashed with riot police, who barricaded entry to the streets surrounding government buildings. Dozens of people were arrested and injured.
Investors worried about Spain?s economic viability have forced up the interest rate they are willing to pay to buy Spanish bonds. The country?s banks hurting from a property boom that went bust are set to get help soon from a ?100 billion ($129 billion) financial lifeline from the eurozone, and Rajoy is pondering whether to ask for help from the ECB to buy Spanish bonds.
Finance Minister Cristobal Montoro said Saturday that the budget cuts for next year were necessary to ease market tensions and try to bring down high interest rates Spain must pay to get investors to buy its bonds.
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Anne Hathaway is officially off the market after marrying Adam Shulman. The “Les Miserables” actress tied the knot at a small ceremony in Big Sur, [...]
MOSCOW (AP) -Three stadiums in Moscow will host some 2018 World Cup games, among the dozen arenas finalized by FIFA on Saturday for the first cup in Russia.
The centerpiece will be Moscow's 89,000-seat Luzhniki Stadium, which hosted the Champions League final in 2008. Work on redeveloping it is due for completion in 2016.
Among the 11 cities to host matches are St. Petersburg, and the Black Sea city of Sochi to the south.
FIFA President Sepp Blatter said at the venue announcement that Russia's preparations were ahead of schedule.
? 2012 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.
White v. Elias?(Ohio) (An individual who was kicked by an escaped horse brought an action against the horse owner and the property owner; the court ruled that there was no strict liability but that an issue of material fact as to the potential negligence of the defendants.)
A horse boarding facility released horses to graze in a pasture unsupervised. ?However, because there was no food trough and because the pasture was bare, six-horse then escaped from the pasture and ended up on a neighboring property. ?The neighbor saw the horses and called the plaintiff because she was familiar with the horses. ?They asked if she could help lead the horses home. ?However, when the?plaintiff?approached the group of horses, one of them kicked back and hit her in the face, causing serious and permanent injuries.
The plaintiff sued the horse owner and the owner of the property where the horse was boarded, alleging claims for strict liability and negligence. ?The defendants moved for summary judgment, which the trial court granted. ?The plaintiff appealed.
On appeal, the plaintiff first argued that the defendants were strictly liable for plaintiff?s injuries because the horses escaped their control and property and trespassed. ?However, the Court explained that the law providing for recovery for personal injuries from the trespass by animals did not extend to injuries suffered on a third party?s private property. ?The plaintiff did not own or occupy the property where the incident occurred. ?Rather she was invited onto the property of a third party neighbor who did not own or control the horse.
Plaintiff next argued that a triable issue of fact existed as to the defendants negligence. ?the evidence indicated that the subject horse ?had acted aggressively in the past, and had previously bit and kicked other horses.? ?The evidence also showed that there was a previous recommendation to install an electric fence because the split wooden fence ?might not adequately contain the horses.? ?There was also prior knowledge ?that horses had escaped from the pasture before, the fence was missing rails and sections, and deer often knocked over the top rails of the fence.? ?Despite all that, and despite the apparent existence of ?a rule that the horse?s owner must supervise her horse in the pasture at all times,? the individual who agreed to board the horse left the subject horse unsupervised in the pasture. ?As a result, the Court found that a material issue of fact existed as to the negligence claim against the boarding company.
The Court also found a triable issue of fact regarding the negligence claim against the property owner. ?According to the Court, ?questions of fact remain[ed] about whether the fence was in a state of disrepair . . . .? ?The overall adequacy of the fencing was also in question.
Finally, the plaintiff argued that it was error for the trial court to have determined that assumption of the risk barred her from recovery. ?After detailing the law of assumption of the risk in Ohio, the Court concluded that the doctrine did not apply to completely bar recovery. ?The Court based this conclusion on Ohio statutes that permit a person to take and confine animals that are at large.
NOTE: The?interpretation?and application of the statutes relating to finding animals at large was interesting. ?It?seemed?a bit of a stretch to find that if someone elects to undertake to take and control an animal at large (something permitted by, but not required by, statute), then assumption of the risk is not a bar to recovery.
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Brigham Young quarterback Taysom Hill (4) carries the ball for a touchdown as Hawaii players pursue during the second quarter of an NCAA college football game Friday, Sept. 28, 2012, in Provo, Utah. (AP Photo/Deseret News, Jeffrey Allred) SALT LAKE TRIBUNE OUT PROVO OUT MAGS OUT
Brigham Young quarterback Taysom Hill (4) carries the ball for a touchdown as Hawaii players pursue during the second quarter of an NCAA college football game Friday, Sept. 28, 2012, in Provo, Utah. (AP Photo/Deseret News, Jeffrey Allred) SALT LAKE TRIBUNE OUT PROVO OUT MAGS OUT
Hawaii cornerback Mike Edwards (1) defends against Brigham Young wide receiver Cody Hoffman (2) during the third quarter of an NCAA college football game Friday, Sept. 28, 2012, in Provo, Utah. BYU defeated Hawaii 47-0. (AP Photo/Rick Bowmer)
Hawaii coach Norm Chow, left, shakes hands with Brigham Young coach Bronco Mendenhall after an NCAA college football game Friday, Sept. 28, 2012, in Provo, Utah. BYU defeated Hawaii 47-0. (AP Photo/Rick Bowmer)
Brigham Young running back Jamaal Williams (21) carries the ball as Hawaii linebacker Darryl McBride Jr. (6) closes in for a tackle during the first quarter of an NCAA college football game Friday, Sept. 28, 2012, in Provo, Utah. (AP Photo/Rick Bowmer)
Brigham Young wide receiver Ross Apo (1) celebrates with teammates after scoring in the second quarter of an NCAA college football game against Hawaii on Friday, Sept. 28, 2012, in Provo, Utah. (AP Photo/Rick Bowmer)
PROVO, Utah (AP) ? Hawaii coach Norm Chow joked a few days ago that Provo would bring back some fond memories.
Friday night instead was a nightmare, one the former BYU assistant couldn't wait to escape as evidenced by a noticeably brief postgame handshake with Cougars coach Bronco Mendenhall after being shut out 47-0.
"We've got to grow up," said the 66-year-old Chow, who watched as two defensive linemen were carted off early and also lost two offensive linemen to injury. "This is a big-boy business; nobody is feeling sorry for us. We can't feel sorry for ourselves."
It didn't help that a couple of freshmen backups ? quarterback Taysom Hill and 17-year-old running back Jamaal Williams ? did most of the damage as BYU (3-2) racked up 396 yards rushing.
"We came out and started fast," said Hill, making his first college start in place of injured senior Riley Nelson. "It was the first time we scored on the first drive, which was phenomenal. And to come out and win the way we did was great."
Hill ran for 143 yards, including a 68-yard TD scamper out of the no-huddle offense.
"On the sideline I've been asking for that play," said Hill, who also passed for 112 yards and two TDs. "They were gassed and when we could go no-huddle and run something like that, it works pretty well. My line got to their backers and their safeties split. It became a foot race, and luckily I outran them."
The Cougars led 20-0 at halftime and 40-0 through three quarters.
The shutout was BYU's first since Nov. 7, 2009, when it beat Wyoming 52-0.
Hawaii (1-3) had not been shut out since Oct. 3, 1998, a span of 182 straight game. The 47-point margin of defeat was the largest since a 70-14 loss at Fresno State in 2004 ? another reason social media sites lit into first-year head coach Chow afterward.
In three losses, Hawaii has been outscored 165-34. Its only win this year came against unheralded Lamar.
Against Nevada last week, running back Stefphon Jefferson scored seven TDs.
Friday, BYU split up the wealth, with rugby player Paul Lasike adding a pair of late TDs in mop-up duty.
Williams was the one who stepped up early when starter Michael Alisa broke his right forearm.
"It felt pretty good, to be 17 and to have them trust me like that," said Williams, who gained 155 yards on 15 carries, with two TDs.
"I'm learning to mature faster."
So is Hill, who is a returned missionary and not the average freshman.
Hill finished 12 of 21 for 112 yards, with TD passes of 22 and 12 yards. His rushing totals were the most by a BYU quarterback since Brandon Doman ? the Cougars' offensive coordinator ? gained 164 yards on 18 carries in 2001.
Despite Hill's solid showing, Mendenhall insisted Nelson would remain his starter when healthy and capable.
For now, Mendenhall said Nelson's injured back needs rest to heal and couldn't say how long that would take.
"I am a Riley Nelson fan and believe in his leadership ability when he is healthy," Mendenhall said.
Hill, meanwhile, wasn't about to get caught up in any quarterback controversy but was preparing as if he'd start next week against Utah State.
Chow, who was back in Provo for the first time as a head coach, was simply trying to regroup ? especially after seeing defensive tackles Geardon Hanohano and starter Siasau Matagiese carted off the field following apparent helmet-to-helmet collisions on back-to-back series during the first quarter.
Team officials said initial X rays to the neck area were negative and both had movement in their limbs.
Both players flashed the "shaka" ? the Hawaiian sign for hang loose ? as they were being carted off the field.
That was about the only good sign for Hawaii fans, who watched on national television as BYU outgained the Warriors 540-149, and held a 30-9 advantage in first downs and a 396-41 edge in rushing.
Still, BYU defensive back Preston Hadley was not about to get overconfident.
"I do not think we should walk off just patting ourselves on the back," he said. "That is not the best team we played. But it is a confidence booster to hopefully get us in the right direction."
Chow has a ways to go for that to happen.
Chow spent 27 years at BYU (1973-1999), from graduate assistant to offensive coordinator and assistant head coach, and helped the team win a national championship in 1984. But the first-year Hawaii coach stirred things up in July when he reiterated the university's position that a returning missionary, defensive back/return specialist Michael Wadsworth, could transfer to any school except BYU and intimated the Cougars engaged in unfair recruiting.
Mendenhall denied the charges, and let his team handle things on the field.
"Our team took some steps forward today, certainly with an emphasis on running the football," he said.
LONDON (AP) ? A former Credit Suisse executive wanted in the U.S. on fraud charges linked to distorting the value of mortgage securities during the financial crisis has been arrested in Britain, authorities said Thursday.
U.S. Federal prosecutors have alleged that Kareem Serageldin conspired with two of his employees to hide the deteriorating condition of the U.S. housing market in 2007 in order to keep the value of bonds based on subprime mortgages artificially high, thereby fattening their bonuses.
He was slated to receive more than $7 million in compensation in 2007 before the company learned about the alleged fraud and withheld $5.2 million of his pay. The fraud, which prosecutors described earlier this year as "a tale of greed run amok," was blamed as responsible for a portion of the $2.65 billion write-down Credit Suisse announced in March 2008.
Serageldin ? Credit Suisse's former managing director and global head of structured credit ? has been charged with conspiracy, falsifying books and records, and wire fraud in the U.S. The charges carry a potential penalty of 45 years in prison.
Two other Credit Suisse traders pleaded guilty to conspiracy charges in cooperation deals with prosecutors in February. At the time, U.S. prosecutors urged Serageldin, an American citizen living in England, to return to the U.S. and answer the charges against him.
Scotland Yard confirmed that Serageldin, 39, was taken into custody on Wednesday.
Extradition proceedings against him will begin Thursday at London's Westminster Magistrates' Court.
The subprime mortgage crisis fueled the financial meltdown in the fall of 2008 that pushed the U.S. into the most severe recession since the Great Depression of the 1930s.
U.S. federal regulators have brought civil charges against several big Wall Street firms accused of misleading investors about securities linked to risky mortgages in the years leading up to the financial crisis. The biggest settlement of the Securities and Exchange Commission's charges was with Goldman Sachs in July 2010. The firm agreed to pay $550 million.
Most of the government's cases related to banks' handling of mortgage securities in the run-up to the financial crisis have been civil proceedings, not criminal. All the cases have involved complex investments called collateralized debt obligations, securities that are backed by pools of other assets, such as mortgages.
If you are looking for a great deal on used office equipment, an auction might be the way to go. Auctions give start-ups, small businesses, or home offices the opportunity to purchase office equipment they might normally not be able to afford on a tight budget. There are several reasons an auction might be held, such as business liquidations, moving sales, fundraisers for non-profits, or government agencies selling surplus or confiscated items (e.g. GovDeal, http://www.govdeals.com/). There are live and online auctions and each can be found by searching the Internet, reading the local newspaper, or subscribing to auction house e-mail alerts. Before you participate in an auction, find out of if the company hosting the auction is a legitimate company, licensed, or bonded. Next, make a general list of items you need and are willing to purchase used, e.g. a color printer, a laser fax machine, a desktop computer; then decide the max you are willing to spend on each. Often times, buyers can preview the office equipment going up for auction first via a catalog or in person. This will give you a chance to make a more detailed list of the office equipment you may want to bid on based on the description. If possible, inspect the items in person and ?kick the tires? so to speak. If time allows, you can take it one step further and research the particular makes and models you are interested in online to check past ratings and current values. The past ratings may force you to eliminate some items from your list and the current values will help determine your spending cap.
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If you decide to bid on an item, review the terms and conditions first. If the office equipment is sold ?as-is?, you will be responsible for any maintenance and repairs necessary to get the item up and running. It might be a good idea to verify if the manufacturer warranty is still active as well. While at a live or online auction, it?s imperative to give it your full attention. Once a bid is placed, there is no turning back; so, you want to make sure that you are bidding on the correct piece of office equipment. Have you ever purchased office equipment from an auction? If so, we?d love to hear from you. Please share the details with us, like what items did you buy, did you feel like you got a great deal, was it a smooth process, and will you ever purchase office equipment from an auction again??
Whether you consider the CardSharp 2 Utility Knife from Iain Sinclair?a worthy pocket tool or just a novelty, you do have to admit that it’s one of the most unusual knife designs to come along in a very long time. Maybe the most unique ever. Let’s take a closer look. Note: Images can be clicked [...]
Patrick Henry famously declared that he knew no way of judging the future but by the past.
So if you?re putting together a long-term investment portfolio, it might be wise to look at the historical returns for various types of assets. Not just for the past few years, or for several decades, but for the past couple centuries.
When you do this, you?ll notice something interesting:
Owning a portfolio of businesses (stocks) has generally been much more rewarding than making loans to corporations or Uncle Sam (bonds) or sticking your money in the bank (cash).
Look closer at the clear winner (equities) and you?ll also find that value stocks have outperformed growth stocks over the long haul and that small-cap value has beaten large-cap value by a substantial margin.
It therefore follows that an investor seeking maximum capital appreciation might focus on identifying undervalued small-cap stocks.
But there?s only one problem with this: It won?t work for most investors, even if the future is very much like the past. Here?s why?
Beware the Infamous Value Trap
Value stocks require something that growth stocks don?t:?Patience.
When a stock ? either large or small ? is in the cellar, it?s there for a reason. Typical ones are that the company is:
Losing market share?
Seeing its margins fall?
Is losing money?
Or is experiencing flattish sales and declining profits.
As a value investor, you don?t know when this state of affairs will end, but you might be tempted to invest in a company if it?s relatively cheap in relation to sales, earnings, or book value (i.e. net worth) in the hope that management will set things right.
The problem is this can take quite a long time. Or it may never happen at all. As the stock gets cheaper and cheaper, you may believe it?s becoming an even better bargain. This is the classic ?value trap.? And if you keep buying a stock on the way down, it may very well have your name on it when it hits rock bottom.
Dead Money With Decent Dividends
Even if a value stock is destined to generate a good return over, say, a three- to five-year horizon, most investors won?t be around to enjoy it.
How do I know this? Because as a former money manager, I?ve dealt with thousands of ?typical investors.? And regardless of what they say in their initial interview about their willingness to stay the course and think long term, it all goes out the window for 90% of them when the road gets bumpy. Or if things don?t kick into gear right away.
A client who sits on a stock ? or even a stock fund ? for six months and doesn?t see a spark will remind you with every conversation that he or she is sitting on ?dead money.?
No argument there ? they are (at least temporarily). But value stocks often pay decent dividends that help compensate for this. Early in my career, however, I got tired of holding hands and counseling patience and switched from a value to a growth methodology.
It was a good move. If you want action, you should have it?
There?s No Shortage of Excitement With Growth Stocks
Buy the best growth stocks you can find. Given that they tend to be twice as volatile as the market (and twice as expensive), there is generally no shortage of day-to-day excitement.
But if you use a trailing stop, you can generate results that are much better than historical long-term returns (which always assume a buy-and-hold approach) and with less risk because your positions are fully protected.
So unless you have the patience of Job ? and most investors don?t ? you?re better off owning growth stocks than value stocks and, of course, using a trailing stop.
We're boots on the ground at the 2012 Paris Auto Show and Lexus is one of the first auto makers to roll out its concept hardware for the show. The company had a few machines to unveil, but the highlight is definitely the curvaceous LF-CC. It is, alas, just a concept that is intended more to show the future design direction of the company than give a clue into an actual production model to come, but more interesting is the clues this is hinting about both interior design and electrification on the powertrain front. Join us after the break for more details -- and more pictures.
Though growth for Central America's smallest economy is good news, some economists say it is still insufficient to reduce poverty in Nicaragua.
By Tim Rogers,?Correspondent / September 27, 2012
A soldier stands next to a Nicaragua national flag during the celebration of the 191st anniversary of Central America Independence at the Revolution Square in Managua September 11, 2012.
Oswaldo Rivas/REUTERS
Enlarge
Nicaragua?s economy has grown 30 percent since the Sandinistas returned to power in 2006, according to new numbers published this week by the Nicaraguan Central Bank.
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Though Nicaragua?s economy remains the smallest in Central America, it is making up ground on its neighbors thanks to the government?s economic policies and social programs, according to Central Bank President Alberto Guevara.
?The model of economic and social development promoted by Comandante Daniel Ortega Saavedra is working and has the powerful virtue of incorporating people and their own economic initiatives,? Mr. Guevara said.
According to Central Bank, Nicaragua?s Gross Domestic Product (GPD) per capita has grown from $1,239 to $1,582 just in the past year. While that is a notable improvement, it?s not enough to move Nicaragua out of last place in Central America.
Indeed, even with that growth, Nicaragua?s average GDP per capita is still less than half of the Central American average and only about one-sixth of Costa Rica?s GDP per capita ($8,876), according to International Monetary Fund estimates.
Insufficient growth
Independent economist N?stor Avenda?o says Nicaragua?s estimated 4.1 percent economic expansion projected for this year is still insufficient to reduce poverty.
?Nicaragua is growing at a good rate, but it is insufficient because we are still very far from the 8 percent or 9 percent growth we need to really start to reduce poverty in Nicaragua,? the economist says.
Mr. Avenda?o says economic growth under the Sandinista government has been based mostly on private investment and exports, which have doubled just in the past three years. But 2013 could be a belt-tightening year, he warns.
Avenda?o says Nicaragua?s economy next year will most likely experience decelerated growth (around 3.1 percent) and accelerated inflation, due to pending tax reforms that are scheduled to happen in the first quarter of 2013.
?I don?t see any possibilities of us getting above 4 percent growth next year,? the economist says.
Avoiding the 'pinch?'
Not everyone will feel the pinch. According to opposition congressman Carlos Langrand of the National Assembly?s Economic Commission, the ALBA (Bolivarian Alliance for the Americas) business group funded by Venezuelan oil imports and controlled by President Daniel Ortega?s inner circle is doing better than ever.
?From 2007-2011, Venezuelan oil imports by Nicaragua totaled $3.7 billion, 50 percent of which, or $1.86 billion, is used by ALBA for Nicaragua,? the lawmaker told The Nicaragua Dispatch.
That means that the various ALBA businesses have nearly $1.9 billion at their disposal ? money the opposition has tried to get the government to include in the national budget.
Unemployment is 'biggest problem'
While the administration spends its Venezuelan oil money how it sees fit, Avenda?o argues that the Sandinistas? poverty reduction efforts is not money well spent.
For instance, he says, the government?s ?Christian, Socialist, and Solidarity? cash bonus handout to state workers every month is costing the government $59 million a year, but has not resulted in any increase in production or a single new job.
?If that money were used to generate public works instead of increasing the consumption of public employees, it would create jobs and reduce poverty,? Avenda?o says. ?Plus, if the aid from Ch?vez disappears, how are we going to even pay for that bonus??
The government argues that the cash bonuses are helping Nicaraguan families meet the rising cost of living.
But Nicaragua?s biggest economic challenge, Avenda?o says, is unemployment.
?Unemployment is our biggest problem and it is one that has not been improved; it is stagnate, and that is serious problem,? the economist said.
Avenda?o says 25 percent of Nicaraguans who are economically active are not able to find jobs to generate an income. Creating jobs should be the focus of the government?s poverty reduction strategy, which has not been made public, the economist says.
?As long as unemployment remains the same, poverty increases,? Avenda?o says.
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Melissa was about to try and live the American Dream. Eager to buy a house, she applied for a pre-approved bank loan only to discover that an old unpaid bill that she resolved two years ago is still lingering on her credit report. That's dragging down her score.
And she's getting desperate.
"I can't buy a house without ... these things corrected," she wrote in response to a recent story on Credit.com. "Please, please help!"
Most Americans understand the financial and emotional importance of buying a home. Even though the rate of homeownership has declined from a height of 69.2 percent in 2004 to 65.5 percent in the second quarter of 2012, according to the U.S. Census Bureau, it remains the case that a solid majority of Americans prefer owning a home to renting.
"Traditionally, owning has won out over renting for many reasons," says Gerri Detweiler, Credit.com's consumer credit expert. "Owning a home is still one of the main ways that Americans build wealth over time."
But some credit experts are wondering: What's the rush? At Credit.com, we receive emails, blog comments and forum posts from people with damaged credit scores asking how they can buy a home. And in most cases, the question is asked with a sense of urgency.
Many readers with low credit scores don't just want to buy a home. They want to buy a home now. Steve Campbell, who wrote in August that he and his wife recently filed for Chapter 13 bankruptcy, asked: "Can we buy a home anytime soon?"
But Barry Paperno, a credit expert and Credit.com's community director, wonders whether that's really the right question to be asking. Perhaps a more relevant question, Paperno says, is: "Are you sure that your financial situation will be stable enough to make those monthly payments for the next 30 years?"
Homeownership has many rewards, but consider the risks, Paperno points out. Unlike during the mortgage bubble, buying a home these days usually requires a significant down payment, and owning it may require substantial investments in renovation, maintenance, insurance and property taxes. If a homeowner loses a job or her income goes down, and she finds herself incapable of making those monthly payments, all of the money she's invested could be lost, Paperno says.
In addition, if a renter finds he can no longer pay the rent, he can simply move out, possibly losing his security deposit. But leaving an apartment is rarely an event that's recorded on a consumer's credit report, whereas losing a home to foreclosure causes serious damage to a credit score.
"It can knock more than a hundred points off your score, and you will not be able to get another mortgage for another few years," Paperno says. "If you're buying a house for security, what happens if you lose your job? How secure is it, really?"
Buying a home still makes lots of sense for the average consumer, Paperno and Detweiler agree. But in some cases, consumers with low credit scores might find it makes more sense to put off purchasing, especially if they are getting turned down for loans, or if the interest rate offers they're receiving now seem exorbitantly high.
"If you're willing to wait just a little bit longer, even 18 to 24 months, you can boost your credit, you may be able to get a better rate," Detweiler says.
There is a counterpoint to this argument, however. In today's weak housing market, an interest rate of seven percent might be abnormally high, especially when people with the best credit scores can get interest rates as low as 3.49 percent, according to Freddie Mac's latest report. But Detweiler had great credit when she bought her home in the late 1990s, and her interest rate then was seven percent.
Which is to say that just because you don't qualify for today's record-low interest rates does not necessarily mean that you're getting a bad deal.
"You may have a tradeoff where you're paying more in interest, but you're still taking advantage of lower overall home prices," Detweiler says. "So it still may be a good idea to buy as long as you get into a decent loan for the long term."
Whatever you eventually decide, it may be best to slow the process down and make sure that buying is the right idea for you in the short term, the credit experts say. The American Dream has a strong pull, as do home prices that have lost much of their housing bubble value. But don't let the dream of homeownership make you feel rushed to make a decision that could hurt you for years to come.
"Don't be discouraged," Detweiler says. "If now's not the right time for you to buy, that doesn't mean that you will never own your own home. A couple of years can make a big difference."
See more on Credit.com: How Much Will One Late Payment Hurt Your Credit Score? When is Debt Consolidation Legitimate? The Ultimate Credit Report Cheat Sheet
Exposure to snot-nosed kids ups severity of cold infectionsPublic release date: 26-Sep-2012 [ | E-mail | Share ]
Contact: Tom Rickey tom_rickey@urmc.rochester.edu 585-275-7954 University of Rochester Medical Center
Exposure to school-age children raises the odds that a person with lung disease who catches a cold will actually suffer symptoms like a runny nose, sore throat and cough, according to a study just published in the Journal of Clinical Virology.
That finding, the result of a study that drew upon a databank of 1,000 samples of sputum and nasal secretions from people with chronic obstructive pulmonary disease or COPD, comes as a surprise, says Ann Falsey, M.D., professor of Medicine at the University of Rochester and an infectious disease expert at Rochester General Hospital. Falsey is senior author of the study, which was led by first author Anurag Gandhi, M.D., an infectious disease fellow at the University of Rochester Medical Center.
"Before we conducted this study, I would have expected other factors, perhaps the severity of underlying disease the state of the patient's general health to indicate who would actually suffer symptoms from their colds," said Falsey. "Instead, contact with school-age children is the only risk factor we found, and it increases both the risk of infection and also the risk of suffering symptoms once you've caught a cold."
Many studies, including this one, have found that being around school-age children increases the risk of infection, but the new findings go one step further. Of people who come down with colds, the course of the infection is much more likely to be worse in people exposed to children.
In everyday life, many people have no symptoms and don't even realize it when they catch a cold. It comes as no surprise that Gandhi and Falsey found that more than one-third of people infected with a rhinovirus, the bug that causes most colds, had no symptoms.
But further analysis of the data showed that of those people who were infected, people whose infection turned into real-life symptoms congestion, runny nose, sore throat, hoarseness and so on were about twice as likely to have contact with school-age children as people whose infections did not become symptomatic.
While the study was not designed to tease out a possible explanation, Falsey said it's possibly because colds run a bit more rampant in young children. That's because they haven't had many years to build up immunity to the vast family of rhinoviruses that we encounter repeatedly throughout our lives. Children's colds simply tend to be worse; they have more nasal secretions, for instance, as anyone who has tracked a sick child throughout a household will attest.
"We know that kids shed more virus longer when they get a cold," Falsey said. "It may be that your chance of developing cold symptoms is related to the amount of virus you're exposed to, and if you're around small children, you're exposed to more virus. The idea makes sense, but it's speculation at this point."
To avoid colds, Falsey counsels everyone people with emphysema like those in the study, but everyone else as well to practice good hand hygiene. That means washing your hands often, especially after you have sneezed or covered your mouth when coughing. Also, avoid touching your eyes and nose as much as possible. And, try to avoid sick children.
"We all know that children are efficient germ-spreading vectors," said Falsey, "and we know that young children oftentimes don't have ideal hygiene habits. It's not unusual for them to accidentally sneeze in your face, for instance. If you have a grandchild who is sick, it may simply be smart to plan a visit for another day."
The study relied upon close monitoring and sampling of 127 people with emphysema who were evaluated six times each during one year. At all visits, nasal secretions were sampled, and sputum samples were obtained when available.
Gandhi and Falsey's analysis of the resulting 1,000 samples of bodily fluids, stored for nearly a decade at minus 112 degrees Fahrenheit, also turned up another unexpected finding. They found that adults who were on home oxygen use were somewhat protected against the added risk posed by schoolchildren. Again, the study was not designed to answer why, since the finding was unexpected. It could be, for instance, that young children were more apt to avoid close contact with adults who were wired up with tubes and apparatus that are scary to many children.
###
Other authors of the study include Edward Walsh, M.D., professor of Medicine at URMC and an infectious disease expert at RGH; biostatisticians Derick Peterson and Andrea Baran of the University of Rochester Medical Center; and technician Maria Formica and nurses Patricia Hennessey and Mary Criddle at Rochester General Hospital.
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Exposure to snot-nosed kids ups severity of cold infectionsPublic release date: 26-Sep-2012 [ | E-mail | Share ]
Contact: Tom Rickey tom_rickey@urmc.rochester.edu 585-275-7954 University of Rochester Medical Center
Exposure to school-age children raises the odds that a person with lung disease who catches a cold will actually suffer symptoms like a runny nose, sore throat and cough, according to a study just published in the Journal of Clinical Virology.
That finding, the result of a study that drew upon a databank of 1,000 samples of sputum and nasal secretions from people with chronic obstructive pulmonary disease or COPD, comes as a surprise, says Ann Falsey, M.D., professor of Medicine at the University of Rochester and an infectious disease expert at Rochester General Hospital. Falsey is senior author of the study, which was led by first author Anurag Gandhi, M.D., an infectious disease fellow at the University of Rochester Medical Center.
"Before we conducted this study, I would have expected other factors, perhaps the severity of underlying disease the state of the patient's general health to indicate who would actually suffer symptoms from their colds," said Falsey. "Instead, contact with school-age children is the only risk factor we found, and it increases both the risk of infection and also the risk of suffering symptoms once you've caught a cold."
Many studies, including this one, have found that being around school-age children increases the risk of infection, but the new findings go one step further. Of people who come down with colds, the course of the infection is much more likely to be worse in people exposed to children.
In everyday life, many people have no symptoms and don't even realize it when they catch a cold. It comes as no surprise that Gandhi and Falsey found that more than one-third of people infected with a rhinovirus, the bug that causes most colds, had no symptoms.
But further analysis of the data showed that of those people who were infected, people whose infection turned into real-life symptoms congestion, runny nose, sore throat, hoarseness and so on were about twice as likely to have contact with school-age children as people whose infections did not become symptomatic.
While the study was not designed to tease out a possible explanation, Falsey said it's possibly because colds run a bit more rampant in young children. That's because they haven't had many years to build up immunity to the vast family of rhinoviruses that we encounter repeatedly throughout our lives. Children's colds simply tend to be worse; they have more nasal secretions, for instance, as anyone who has tracked a sick child throughout a household will attest.
"We know that kids shed more virus longer when they get a cold," Falsey said. "It may be that your chance of developing cold symptoms is related to the amount of virus you're exposed to, and if you're around small children, you're exposed to more virus. The idea makes sense, but it's speculation at this point."
To avoid colds, Falsey counsels everyone people with emphysema like those in the study, but everyone else as well to practice good hand hygiene. That means washing your hands often, especially after you have sneezed or covered your mouth when coughing. Also, avoid touching your eyes and nose as much as possible. And, try to avoid sick children.
"We all know that children are efficient germ-spreading vectors," said Falsey, "and we know that young children oftentimes don't have ideal hygiene habits. It's not unusual for them to accidentally sneeze in your face, for instance. If you have a grandchild who is sick, it may simply be smart to plan a visit for another day."
The study relied upon close monitoring and sampling of 127 people with emphysema who were evaluated six times each during one year. At all visits, nasal secretions were sampled, and sputum samples were obtained when available.
Gandhi and Falsey's analysis of the resulting 1,000 samples of bodily fluids, stored for nearly a decade at minus 112 degrees Fahrenheit, also turned up another unexpected finding. They found that adults who were on home oxygen use were somewhat protected against the added risk posed by schoolchildren. Again, the study was not designed to answer why, since the finding was unexpected. It could be, for instance, that young children were more apt to avoid close contact with adults who were wired up with tubes and apparatus that are scary to many children.
###
Other authors of the study include Edward Walsh, M.D., professor of Medicine at URMC and an infectious disease expert at RGH; biostatisticians Derick Peterson and Andrea Baran of the University of Rochester Medical Center; and technician Maria Formica and nurses Patricia Hennessey and Mary Criddle at Rochester General Hospital.
[ | E-mail | Share ]
?
AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.
<em>New York Times </em>scribe Patrick Healy confirmed "The Big Bang Theory" star's sexuality<a href="http://www.nytimes.com/2012/05/27/theater/jim-parsons-prepares-for-his-lead-role-in-harvey.html?_r=1" target="_hplink"> as part of a profile</a>.
The revelation came late in the article, when Healy describes the 39-year-old actor's role in the 2011 revival of Larry Kramer's HIV/AIDS crisis drama, "The Normal Heart."
Wrote Healy: '"The Normal Heart" resonated with him on a few levels: Mr. Parsons is gay and in a 10-year relationship, and working with an ensemble again onstage was like nourishment, he said."
Though the <em>Times </em>didn't identify Parsons' partner, he has been romantically liked with art director Todd Spiewak (pictured).
Anne Burrell, 2012
"Secrets of a Restaurant Chef" host Anne Burrell confirmed she's a lesbian and in a committed relationship with a woman, just days after just days after "Chopped" host Ted Allen made a reference to her sexuality in a radio interview.
"Anne doesn't feel she was outed," Burrell's rep told Page Six. "She has made no secret of her relationship."
The rep went on to note, "Her significant other is a very private woman. They have been together for a couple of years and spend a lot of time together."
Matt Bomer, 2012
The 34-year-old "White Collar" hunk <a href="http://www.huffingtonpost.com/2012/02/13/matt-bomer-comes-out-gay-thanks-partner_n_1272997.html" target="_hplink">thanked his partner</a> Simon Halls and his three children during Saturday's Steve Chase Humanitarian Awards, where he received the New Generation Arts and Activism Award for his work in the fight against HIV/AIDS.
"I'd really especially like to thank my beautiful family: Simon, Kit, Walker, Henry," he told the crowd. "Thank you for teaching me what unconditional love is. You will always be my proudest accomplishment."
Gillian Anderson, 2012
The "X-Files" actress <a href="http://www.huffingtonpost.com/2012/03/13/gillian-anderson-lesbian-relationships-out-magazine_n_1342801.html" target="_hplink">revealed she's had numerous relationships</a> with women in a 2012 interview with <em>Out</em> magazine.
The 43-year-old mother of three, who's long enjoyed a sizable lesbian fanbase, told <em>Out</em> that she first had a relationship with a woman while still in high school, after moving from her native England to suburban Michigan.
"If I had thought I was 100 percent gay, would it have been a different experience for me?" Anderson, who was voted "Most Bizarre" and "Most Likely to Be Arrested" in high school, ponders. "Would it have been a bigger deal if shame had been attached to it and all those things that become huge life-altering issues for youngsters in that situation? It's possible that my attitude around it came, on some level, from knowing that I still liked boys."
Jonathan Knight, 2011
The New Kids On The Block singer was out-ed by fellow '80s teen pop star Tiffany in January 2011 when she revealed she dated Knight before "he became gay later."
In response, Knight posted a message on his website <a href="http://www.towleroad.com/2011/01/jonathan-knight.html#ixzz1azmexp8H" target="_hplink">stating in part</a>:
<blockquote>"I have never been outed by anyone but myself! I did so almost twenty years ago. I never know that I would have to do it all over again publicly just because I reunited with NKOTB! I have lived my life very openly and have never hidden the fact that I am gay!"</blockquote>
Ellen DeGeneres, 1997
DeGeneres came out in 1997, both in real life and on TV, on her sitcom "Ellen."
"The Puppy Episode," which aired in April 1997, <a href="http://www.afterellen.com/column/2005/4/backintheday.html" target="_hplink">featured a who's who</a> of Hollywood, including Oprah Winfrey, Demi Moore, Billy Bob Thornton, and Laura Dern as Ellen's love interest.
DeGeneres's character became the first openly gay prime time character on television.
Zachary Quinto, 2011
Long rumored to be gay, the actor, most famous for his roles on "Heroes" and in the recent "Star Trek" film, came out in a October 2011 <em>New York</em> magazine profile, saying:
<blockquote>"In light of Jamey's [Rodemeyer] death -- it became clear to me in an instant that living a gay life without publicly acknowledging it -- is simply not enough to make any significant contribution to the immense work that lies ahead on the road to complete equality. Our society needs to recognize the unstoppable momentum toward unequivocal civil equality for every gay lesbian bisexual and transgendered citizen of this country."</blockquote>
Elton John, 1976
In <a href="http://www.rollingstone.com/music/news/elton-john-lonely-at-the-top-rolling-stones-1976-cover-story-20110202" target="_hplink">an interview</a> with <em>Rolling Stone</em> in October 1976, the rock star came out by saying, "There's nothing wrong with going to bed with somebody of your own sex. I think everybody's bisexual to a certain degree. I don't think it's just me. It's not a bad thing to be. I think you're bisexual. I think everybody is."
Clay Aiken, 2008
After becoming a father in August of 2008, the "American Idol" runner up <a href="http://www.people.com/people/article/0,,20228488,00.html" target="_hplink">came out on the cover</a> of <em>People</em> magazine in September 2008 saying, "[Coming out] was the first decision I made as a father... I cannot raise a child to lie or to hide things. I wasn't raised that way, and I'm not going to raise a child to do that."
Wanda Sykes, 2008
The comedian and actress came out in November 2008 <a href="http://thestrippodcast.blogspot.com/2008/11/wanda-sykes-lv-gay-rally-im-proud-to-be.html" target="_hplink">while speaking at an anti-Prop 8 rally</a> in Las Vegas. Sykes said in part:
<blockquote>"I got married Oct. 25, I don't really talk about my sexual orientation, I felt like I was living my life, I wasn't in the closet, but I was just living my life. Everybody who knows me personally, they know I'm gay. And that's the way people should be able to live our lives, really. We shouldn't have to be standing out here demanding something we automatically should have as citizens of this country."</blockquote>
Ricky Martin, March 2010
In March 2009 pop star Ricky Martin <a href="http://www.huffingtonpost.com/2010/03/29/ricky-martin-comes-out-im_n_517625.html" target="_hplink">posted a message on his website</a> telling the world, "I am a fortunate homosexual man."
Chely Wright, 2010
Country singer Chely Wright <a href="http://www.people.com/people/article/0,,20365936,00.html" target="_hplink">came out in May 2010</a>. She told <em>People</em> magazine, "There had never, ever been a country music artist who had acknowledged his or her homosexuality... I wasn't going to be the first."
But she changed her mind and said of her decision, "Nothing in my life has been more magical than the moment I decided to come out."
George Michael, 1998
After being caught performing a "lewd act" in a public restroom, Michael came out to CNN in April 1998. <a href="http://www.cnn.com/SHOWBIZ/9804/11/george.michael/" target="_hplink">Michael said</a>, "This is as good of a time as any... I want to say that I have no problem with people knowing that I'm in a relationship with a man right now. I have not been in a relationship with a woman for almost 10 years."
Later that year Michael spoofed the incident in the music video for his single "Outside."
Don Lemon, 2011
The CNN news anchor came out to the <em>New York Times</em> in May 2011. Lemon <a href="http://www.nytimes.com/2011/05/16/business/media/16anchor.html?_r=3" target="_hplink">told the paper</a>, "It's quite different for an African-American male... It's about the worst thing you can be in black culture. You're taught you have to be a man; you have to be masculine. In the black community they think you can pray the gay away."
Adam Lambert, 2009
The singer's sexuality was always a topic of discussion for viewers when he was performing on "American Idol," but Lambert didn't come out until after the competition had wrapped. In a June 2009 <em>Rolling Stone</em> cover story, Lambert said, "Right after the finale [of "AI"], I almost started talking about it to the reporters, but I thought, 'I'm going to wait for <em>Rolling Stone</em>, that will be cooler,'.. I didn't want the Clay Aiken thing and the celebrity-magazine bullshit. I need to be able to explain myself in context."
Kelly McGillis, 2009
When <a href="http://www.people.com/people/article/0,,20275794,00.html" target="_hplink">asked by an Internet talk show</a> who she was looking to date in April of 2009, "Top Gun" star Kelly McGillis answered "Definitely a woman," and added, "I'm done with the man thing. You need to move on in life."
Neil Patrick Harris, 2006
The "Doogie Howser, MD" and "How I Met Your Mother Star" came out on the cover of <em>People</em> magazine in November of 2006. <a href="http://www.people.com/people/article/0,,1554852,00.html" target="_hplink">Harris told the magazine</a>:
<blockquote>"The public eye has always been kind to me, and until recently I have been able to live a pretty normal life. Now it seems there is speculation and interest in my private life and relationships.
So, rather than ignore those who choose to publish their opinions without actually talking to me, I am happy to dispel any rumors or misconceptions and am quite proud to say that I am a very content gay man living my life to the fullest and feel most fortunate to be working with wonderful people in the business I love." </blockquote>
Chaz Bono, 2009
Chaz Bono revealed his plan to transition in May 2009. TMZ.com broke the story <a href="http://www.tmz.com/2009/06/11/chastity-bono-becoming-a-man/#.TptSZ2VPkqU" target="_hplink">via a prepared statement</a> from Bono's publicist that read, in part:
<blockquote>"Yes, it's true -- Chaz, after many years of consideration, has made the courageous decision to honor his true identity...
He is proud of his decision and grateful for the support and respect that has already been shown by his loved ones. It is Chaz's hope that his choice to transition will open the hearts and minds of the public regarding this issue, just as his 'coming out' did nearly 20 years ago."</blockquote>
Chris Colfer, 2009
The "Glee" actor came out on the "Chelsea Lately Show" in December 2009:
Chelsea Handler: "Your character on the show's gay. We know that you're gay. That's good for you. Congratulations. Don't be shy about that. Seriously. You shouldn't be shy about that because every time...an actor like you is helping a zillion other people that are scared to talk about their sexuality so good for you."
Chris Colfer: "Thank you. You know what my answer to that question was prior to coming out -- was that I was straight as every other actor in Hollywood."
Meredith Baxter, 2009
In December 2009 Baxter, most famous for playing Elyse Keaton on '80s sitcom "Family Ties," went on the "Today Show" and told Matt Lauer that she was a lesbian. Baxter said, "Some people would say, well, you're living a lie and, you know, the truth is -- not at all. This has only been for the past seven years."
Lance Bass, 2006
The 'N Sync pop star came out on the cover of <em>People</em> magazine in July 2006. When asked why he decided to come out then, <a href="http://www.people.com/people/article/0,,1219142,00.html" target="_hplink">Bass said</a>, "The main reason I wanted to speak my mind was that (the rumors) really were starting to affect my daily life. Now it feels like it's on my terms. I'm at peace with my family, my friends, myself and God so there's really nothing else that I worry about."
Heather Matarazzo, 2004
The actress, perhaps best known for her role as tormented teen Dawn Wiener in the film "Welcome To The Dollhouse," <a href="http://www.afterellen.com/archive/ellen/People/82004/heathermatarazzo.html" target="_hplink">came out in August 2004</a> by telling the <em>NY Daily News</em> about falling in love with Caroline Murphy:
<blockquote>"I met the person I'm so madly crazy in love with...She's not famous yet. She will be. She wants to do musical theater and stage, which is not as demoralizing as the movie business is."</blockquote>
Melissa Etheridge, 1993
The rock star came out in January 1993 during the Triangle ball, the first ever ball thrown for the LGBT community during a president's inauguration, in this case Clinton's.
<a href="http://www.afterellen.com/archive/ellen/column/2005/2/backintheday.html" target="_hplink">Etheridge recalls</a>:
<blockquote>"I didn't even think, Oh, I'm going to come out here...It was, 'Gee, I'm really excited to be here, and I'm really proud to have been a lesbian all my life.' And a big cheer went up through the whole hall, and k.d. [lang] came out and hugged me. I remember walking back, and my friend said, 'I think you came out!'"</blockquote>
Darren Hayes, 2006
The former Savage Garden front man came out by marrying Richard Cullen in June 2006.
He announced the civil union on his website <a href="http://chartrigger.blogspot.com/2006/07/darren-hayes-comes-out.html" target="_hplink">saying in part</a>:
"As so many of you have given me your heart and soul over the past 10 years I thought it only fitting that I too return the respect and inform you of the most significant event in my life... On June 19th 2006 I married my boyfriend of two years, Richard, in a Civil Partnership ceremony in London."
Lady Sovereign, 2010
In May 2010 the British rapper came out in <em>Diva</em> magazine.
<a href="http://perezhilton.com/2010-05-12-lady-sov-comes-out#.Tpt-2WVPkqU" target="_hplink">Sovereign said</a>:
<blockquote>"Magazines would always ask about it but [questions about my sexuality] would get stopped by my publicists. It was my choice, too, because I was a bit worried about it but now I don't really give a shit.
You can't hide away forever. It's just stupid and now I've come out I feel a lot more comfortable with myself. But it was a bit scary back then because some people do have horrible opinions."</blockquote>
Rosie O'Donnell, 2002
The comedian and talk show host <a href="http://www.usatoday.com/life/television/2002/2002-02-27-rosie.htm" target="_hplink">came out by revealing</a> "I'm a dyke!" during her stand up act at the Ovarian Cancer Research benefit at Carolines Comedy Club in February 2002.
Portia de Rossi, 2005
The actress had been out to friends for quite some time, but she told the entire world in the fall of 2005 in interviews with <em>Details</em> magazine and <em>The Advocate</em>.
"I've had my years of being not open, many years of it... It's an honor for me to do this; it's just nice to be asked," de Rossi said in her September 2005 <em>Advocate</em> <a href="http://crispie764.proboards.com/index.cgi?board=Urgent&action=display&thread=35" target="_hplink">cover story</a>, her first with the gay press.
Sean Hayes, 2010
Long dogged by rumors about his sexuality, the "Will and Grace" actor <a href="http://www.advocate.com/Arts_and_Entertainment/People/Sean_Hayes_I_Am_Who_I_Am/" target="_hplink">finally came out</a> in <em>The Advocate</em> in April 2010:
"I am who I am. I was never in, as they say. Never," he said.
Cynthia Nixon, 2004
The "Sex And The City" star was out-ed in 2004 when the <em>NY Daily News</em> and the <em>New York Post</em> <a href="http://www.afterellen.com/People/92004/cynthianixon.html" target="_hplink">reported she was living</a> with another woman in September 2004.
Nixon half-heartedly confirmed the rumors when she told the <em>Daily News</em>, "My private life is private... But at the same time, I have nothing to hide. So what I will say is that I am very happy."
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Public release date: 26-Sep-2012
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