Advice That Can Make Real Estate Buying Stress Free - Maynas Eric

However, you still need to be aware of how to maneuver in the market in order to make the best deal possible. Consider applying the tips found here if you wish to simplify the real estate purchase process.

Prequalification for a mortgage is essential prior to searching for a home. You will avoid wasting your time and the agents time by limiting your search to houses you can afford to buy. Getting loans can be an arduous process that shouldn?t be procrastinated.

Any property near a busy road or freeway will earn less rent. These houses can save you money, but as in most things, they are cheaper for a reason. You may not mind the noise, but it could be hard to sell these homes if you needed to.

TIP! A lack of flexibility can be a death sentence when it comes to buying a home. You may not be able to afford the perfect house in the perfect community, but you may be able to afford one or the other.

Learn about what kinds of houses exist in the neighborhoods you?re looking to buy in. This is particularly important, because you may not want to buy the best and biggest house on the block. That?s because all the less expensive homes in the area will lower the resale value of the few costlier ones, making it difficult for you to recoup your investment should you need to sell in the future.

Before you go house hunting, check out your credit report. Once you have obtained a copy, go over it with a fine toothed comb and dispute any discrepancies that you find. Your aim is to have your credit in a position where you can go forward with a home purchase, as this will increase your ability to sustain a mortgage.

Remember that you aren?t all in a war and it can be beneficial to stay in touch with the more experienced real estate investors in your area. Properties are always on the market, but many investors are only interested in certain kinds of properties. This can help you find that hidden gem that hasn?t been purchased yet.

TIP! If you are serious about buying a house, measure it first. Be sure that the square footage given by the owner is the same as the square footage of public record.

When you submit an offer on a property, you can request that the seller help to cover the closing costs, or request other kinds of financial incentives. For example, you could ask for a seller to buy down your interest rates for a limited period of time. Adding financial incentives to offers will make sellers less willing to negotiate selling prices.

Avoid paying extra for a home simply because it has a beautiful view. Even though the view is certainly lovely, it might not appeal to as many potential buyers in the future as you hoped it would. Therefore, purchase the home because you love the view, but do not overpay for it.

TIP! It is easier to begin the purchase of real estate when you are organized. Start by dedicating a notebook to real estate information you glean from friends, real estate agents, newspapers and the internet.

Once you start searching for a home, you need to exercise patience and remain level headed about what may be on the market. It takes a while to find the right property for your goals and strategy.

The difference between failure and success as a buyer is the ability to know how to work within the market. One of the best ways to establish a successful position is to become properly informed. This article was filled with a variety of tips and ideas for making wise real estate purchasing decisions. It?s your decision on whether or not to follow this information.

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Source: http://www.maynaseric.com/advice-that-can-make-real-estate-buying-stress-free-2

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Rodgers, Packers rout Titans 55-7

Green Bay Packers' Randall Cobb (18) celebrates with Greg Jennings and D.J. Williams after Cobb caught a touchdown pass during the first half of an NFL football game Sunday, Dec. 23, 2012, in Green Bay, Wis. (AP Photo/Mike Roemer)

Green Bay Packers' Randall Cobb (18) celebrates with Greg Jennings and D.J. Williams after Cobb caught a touchdown pass during the first half of an NFL football game Sunday, Dec. 23, 2012, in Green Bay, Wis. (AP Photo/Mike Roemer)

Green Bay Packers' DuJuan Harris (26) gets past Tennessee Titans' Coty Sensabaugh (24) for a touchdown run during the second half of an NFL football game Sunday, Dec. 23, 2012, in Green Bay, Wis. (AP Photo/Mike Roemer)

Tennessee Titans' Al Afalava (38) breaks up a pass intended for Green Bay Packers' Jermichael Finley (88) during the first half of an NFL football game Sunday, Dec. 23, 2012, in Green Bay, Wis. (AP Photo/Jeffrey Phelps)

Green Bay Packers' Sam Shields (37) celebrates after intercepting a pass during the first half of an NFL football game against the Tennessee Titans Sunday, Dec. 23, 2012, in Green Bay, Wis. (AP Photo/Jeffrey Phelps)

Green Bay Packers' Clay Matthews sacks Tennessee Titans quarterback Jake Locker (10) during the first half of an NFL football game Sunday, Dec. 23, 2012, in Green Bay, Wis. (AP Photo/Jeffrey Phelps)

GREEN BAY, Wis. (AP) ? The Green Bay Packers sure look ready for the playoffs.

Aaron Rodgers threw for three touchdowns and ran for another, Ryan Grant scored twice and the Green Bay defense picked on Jake Locker early and often in a 55-7 rout of the Tennessee Titans on Sunday.

It was the most points scored by the Packers since they put up the same number against Tampa Bay on Oct. 2, 1983, and their largest margin of victory since a 52-3 win over New Orleans on Oct. 9, 2005.

"It was important for us to go out and dominate the opponents late in the year," Packers coach Mike McCarthy said. "We have momentum going for us particularly what we've done over the last nine weeks, 10 weeks, so we wanted to take the next step as a football team and I felt we were able to accomplish that today."

The Packers (11-4) moved up to the No. 2 seed with Seattle's victory over San Francisco. Green Bay finishes the regular season next Sunday at Minnesota, and a victory would give the Packers a first-round bye.

The Titans (5-10), meanwhile will be smarting all week from what might be the worst loss in a season full of them.

The 55 points were the most allowed since Tennessee was shut out 59-0 by the New England Patriots on Oct. 18, 2009, and second time this season it had allowed 51 or more. The Titans needed until 1:39 left in the game to avoid the shutout.

"It's embarrassing to lose 50-something to seven," Titans coach Mike Munchak said. "That's just not acceptable and we let it happen. Thank God we have that (game next week) because I wouldn't want this to be our last game of the year."

The Packers have been one of the NFL's best teams over the past two months, winning nine of 10 games. But they haven't always been at their best against inferior teams, struggling to put away the likes of the Jaguars, Cardinals and Lions.

That wasn't the case against Tennessee. Far from it.

The Titans had one of the NFL's stingiest defenses since giving up 51 points to Chicago on Nov. 4, allowing an average of 17.6 points to their past five opponents.

But Rodgers and the Green Bay offense may as well have been playing Madden NFL video game for as easily as they piled up the yardage and the scores on the Titans.

"We've got the people in the locker room to do that type of stuff every game," said James Jones, who had his NFL-best 13th touchdown reception.

"Each game presents its own challenges and it's not (always) going to be like that. But we feel like every time we take the field we should score every time we get the ball."

They didn't quite do that, though it probably seemed that way to the Titans.

Green Bay scored on nine of its first 12 drives ? one of those misses was the end of the first half ? and was six of seven in the red zone.

"We've got to have a serious self-evaluation. We have one more game and we've got to fix it," Titans cornerback Alterraun Verner said. "This is embarrassing. It was an embarrassing loss. The Packers are a great team and for us to get to what we want, we've got to be able to compete with those teams."

Rodgers finished 27 of 38, and matched his season high with 342 yards passing despite sitting for most of the fourth quarter. He connected with Randall Cobb (20 yards), Jennings (1) and Jones (12) for touchdowns, and also ran 6 yards for Green Bay's first score.

The Packers also cracked the 100-yard rushing mark for the sixth time in the past seven weeks, and their four touchdowns on the ground were one less than they've managed the rest of the year combined.

Cobb had another big day, breaking Ahman Green's single-season franchise record for net yardage the first time he touched the ball. He finished with 101 yards and has 2,342 for the year, 92 more than Green in 2003.

"He's a big-time player. He's fun to watch," Rodgers said.

Green Bay's defense, meanwhile, made life miserable for Locker and the Titans.

Tennessee's offensive line has been decimated by injuries ? it started its fifth combination Sunday ? and the Titans also were without leading receiver Kendall Wright.

But Locker didn't help matters. He was sacked seven times ? he tripped over his own feet on one ? and picked off twice, and finished 13 of 30 for 140 yards.

Tennessee managed to cross midfield just three times during the game, and only avoided the shutout on Kenny Britt's 2-yard catch with 1:39 left.

"We've got to be playing like this heading into playoffs," Rodgers said. "It's nice to get a win like this kind of going way and now we've got a tough one into Minnesota next week."

Notes: Titans RB Chris Johnson was held to 28 yards on 11 carries. .. With 100 yards on seven catches, Jones has at least one 100-yard game in each of his six seasons. His 722 yards also tops his previous season best. ... A.J. Hawk's two sacks tied his career best. ... Seven of the Titans' 10 losses have been by 14 points or more. ... Fifteen different Packers have had a full sack this season, matching the franchise high. ... Green Bay finished the regular season 7-1 at Lambeau.

___

Online: http://pro32.ap.org/poll and http://twitter.com/AP_NFL

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/347875155d53465d95cec892aeb06419/Article_2012-12-23-Titans-Packers/id-1ab90bd2d83146babc25a333c0f48932

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Frugal Family Tree: Don't Let a Greedy Grinch Ruin Your Holidays

Don't Let a Greedy Grinch Ruin Your Holidays

Over the years I have heard many stories of greedy?Grinch?trying to steal someones Christmas. It makes me so sad! Well we can all?thwart?the?Grinch?with being aware of our own home security. We all get busy in the rush of holiday shopping, friends and family visiting and taking road trips. A few simple but often?forgettable?things can help decrease your odds of Grinch deciding your home will be his next target.

Remembering to lock doors and windows before you go out shopping, even if its for a quick trip to the store. Leaving a light on while your out to let it appear someone is there. Turn off your Christmas tree lights and be sure to close the blinds. Open blinds letting your Christmas tree be seen is beautiful but also a lure to a greedy Grinch.?

Leaving the porch light on is another small but sometimes?forgettable?thing that can help keep your home less of a target. Having motion activated exterior lights is also a good idea. If you are planning to go on a trip have your neighbors gather your mail and newspaper. Don't forget to lock the doors that lead to your home from the garage. I often have forgotten that one myself. A garage can be easier to get into and if your home door is lock often the Grinch can't get further than your garage.?

In the delight of the Holiday season just be sure to be take a few extra steps to make sure you have a bit more home?security.

Here is a cute?article about how Santa can perhaps be the slickest break in artist of them all! (but we?don't?mind?him, he leaves presents in exchange for cookies and milk!)

Santa Claus: Holiday's Biggest Ho-Ho-Home Security Threat


*This is a sponsored post

Source: http://www.frugalfamilytree.com/2012/12/dont-let-greedy-grinch-ruin-your.html

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Betting lines solid for underdogs - IlliniHQ Forums

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#1 ? briantanner?

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Posted Yesterday, 12:10 PM

Mizzou will be another good test for Illinois. It's all up to b-paul to stay consistent and for Egwu and McLaurin. Tigers have some big men. Going to be an exciting game.

12-0 Illini

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#2 ? IlliniVette?

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Posted Yesterday, 12:18 PM

Speaking of solid, how's that stool?

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#3 ? goillini52?

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Posted Yesterday, 01:53 PM

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Source: http://forums.illinihq.com/topic/25801-betting-lines-solid-for-underdogs/

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Conn. town in mourning inundated with gifts, money

NEWTOWN, Conn. (AP) ? Newtown's children were showered with gifts Saturday ? tens of thousands of teddy bears, Barbie dolls, soccer balls and board games ? and those are only some of the tokens of support from around the world for the town in mourning.

Just a little over a week ago, 20 children and six school employees were gunned down at Sandy Hook Elementary School. Twenty-year-old Adam Lanza killed his mother, attacked the school, then killed himself. Police don't know what set off the massacre.

Days before Christmas, funerals were still being held Saturday, the last of those whose schedules were made public, according to the Connecticut Funeral Directors Association. A service was held in Utah for 6-year-old Emilie Parker. Others were held in Connecticut for Josephine Gay, 7, and Ana Marquez-Greene, 6.

All of Newtown's children were invited to Edmond Town Hall, where they could choose a toy. Bobbi Veach, who was fielding donations at the building, reflected on the outpouring of gifts from toy stores, organizations and individuals around the world.

"It's their way of grieving," Veach said. "They say, 'I feel so bad, I just want to do something to reach out.' That's why we accommodate everybody we can."

The United Way of Western Connecticut said the official fund for donations had $2.8 million in it on Saturday. Others sent envelopes stuffed with cash to pay for coffee at the general store, and a shipment of cupcakes arrived from a gourmet bakery in Beverly Hills, Calif.

The Postal Service reported a six-fold increase in mail in the town and set up a unique post office box to handle it. The parcels come decorated with rainbows and hearts drawn by schoolchildren.

Some letters arrived in packs of 26 identical envelopes ? one for each family of the children and staff killed or addressed to the "First Responders" or just "The People of Newtown." One card arrived from Georgia addressed to "The families of 6 amazing women and 20 beloved angels." Many contained checks.

"This is just the proof of the love that's in this country," Postmaster Cathy Zieff said.

Peter Leone said he was busy making deli sandwiches and working the register at his Newtown General Store when he got a phone call from Alaska. It was a woman who wanted to give him her credit card number.

"She said, 'I'm paying for the next $500 of food that goes out your door,'" Leone said. "About a half hour later another gentleman called, I think from the West Coast, and he did the same thing for $2,000."

At the town hall building, the basement resembled a toy store, with piles of stuffed penguins, dolls, games, and other fun gifts. All the toys were inspected and examined by bomb-sniffing dogs before being sorted and put on card tables. The children could choose whatever they wanted.

Jugglers entertained the children, a dunk tank was set up outside and the crowd of several hundred parents and children sang an enthusiastic rendition of "Happy Birthday" to one child. A man dressed as Santa Claus was in attendance, and high school students were offering arts and crafts such as face painting and caricatures.

Newtown resident Amy Mangold, director of the local Parks and Recreation department, attended with her 12-year-old daughter, Cory. She acknowledged that most people here could afford to buy their own gifts but said "this means people really care about what's happening here. They know we need comfort and want to heal."

She pointed to two people across the room. "Look at that hug, that embrace. This is bringing people together. Some people haven't been getting out since this happened. It's about people being together. I see people coming together and healing."

Many people have placed flowers, candles and stuffed animals at makeshift memorials that have popped up all over town. Others are stopping by the Edmond Town Hall to drop off food, toys or cash. About 60,000 teddy bears were donated, said Ann Benoure, a social services caseworker who was working at the town hall.

"There's so much stuff coming in," said Tom Mahoney, the building administrator who's in charge of handling gifts. "To be honest, it's a bit overwhelming; you just want to close the doors and turn the phone off."

Mahoney said the town of some 27,000 with a median household income of more than $111,000 plans to donate whatever is left over to shelters or other charities.

Sean Gillespie of Colchester, who attended Sandy Hook Elementary, and Lauren Minor, who works at U.S. Foodservice in Norwich, came from Calvary Chapel in Uncasville with a car filled with food donated by U.S. Foodservice. But they were sent elsewhere because the refrigerators in Newtown were overflowing with donations.

"We'll find someplace," Gillespie said. "It won't go to waste."

In addition to the town's official fund, other private funds have been set up. Former Sandy Hook student Ryan Kraft, who once baby-sat Lanza, set up a fund with other alumni that has collected almost $150,000. It is earmarked for the Sandy Hook PTA.

Rabbi Shaul Praver of Congregation Adath Israel is raising money for a memorial to the victims. He said one man wrote a check for $52,000 for the project.

Several colleges, including the University of Connecticut, have set up scholarship funds to pay for the educations of students at Sandy Hook and the relatives of the victims.

Town officials have not decided yet what to do with all the money. A board of Newtown community leaders is being established to determine how it is most needed and will be best utilized, said Isabel Almeida with the local United Way, which has waived all its administrative fees related to the fund.

She said some have wondered about building a new school for Sandy Hook students if the town decides to tear the school down, but that decision has not been made.

And while the town is grateful for all the support, Almeida said, it has no more room for those gifts. Instead, she encouraged people to donate to others in memory of the Sandy Hook victims.

"Send those teddy bears to a school in your community or an organization that serves low-income children, who are in need this holiday season, and do it in memory of our children," she said.

___

Associated Press writers Allen G. Breed, Christopher Sullivan, Eileen AJ Connelly, Susan Haigh and John Christoffersen contributed to this report.

Source: http://news.yahoo.com/conn-town-mourning-inundated-gifts-money-173114867.html

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Targeted therapy proves effective against brain tumors in preclinical studies

Dec. 21, 2012 ? Researchers from Roswell Park Cancer Institute (RPCI) have published findings from a preclinical study assessing the effectiveness of a small-molecule inhibitor, CFAK-Y15, in treating some brain cancers. The paper, published in Molecular Cancer Therapeutics, demonstrates for the first time that inhibiting the protein focal adhesion kinase (FAK) with CFAK-Y15 is an effective approach to controlling growth of glioblastoma tumors, especially in combination with the standard chemotherapy agent temozolomide (Temodar).

FAK is overexpressed, or produced in excessive amounts, in tumor cells, and has been shown to play a key role in survival of cancer cells. In this study, a team led by Vita M. Golubovskaya, PhD, an Associate Professor of Oncology in the Department of Surgical Oncology, found that animal models treated with CFAK-Y15 demonstrated significantly prolonged survival compared to the control group. CFAK-Y15 provides FAK kinase-specific inhibition by upstream targeting of autophosphorylation sites on the FAK protein. It belongs to a class of 'two for one' compounds that also inhibit the oncoprotein Src by inhibiting its autophosphorylation.

"We found that CFAK-Y15 significantly decreased the viability of the glioblastoma cells, and in many cases appeared to cause tumor shrinkage -- especially when CFAK-Y15 was given in combination with temozolomide," noted Dr. Golubovskaya, the paper's first author. "These compounds target FAK signaling, which is critical for cancer cell and cancer stem cell survival, especially in invasive and metastatic cancers."

"We're eager to see this research move to the clinical phase because of the great need for more effective treatments for glioblastoma," noted senior author William G. Cance, MD, FACS, Surgeon-in-Chief and Chair of the Department of Surgical Oncology. "The potential impact is great because glioblastomas are such an aggressive tumor, and because we know they produce FAK in especially high quantities."

The authors also included researchers from the University of California at San Diego and faculty from the Department of Pathology at RPCI. CFAK-Y15 is being developed by CureFAKtor Pharmaceuticals LLC. Drs. Cance and Golubovskaya, both of whom also serve on the management team of CureFAKtor, were part of the team that first identified CFAK-Y15, in research published in the Journal of Medicinal Chemistry in 2008.

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The above story is reprinted from materials provided by Roswell Park Cancer Institute, via Newswise.

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Journal Reference:

1. V. Golubovskaya, G. Huang, B. Ho, M. Yemma, C. D. Morrison, J. Lee, B. Eliceiri, W. G. Cance. Pharmacological blockade of FAK autophosphorylation decreases human glioblastoma tumor growth and synergizes with temozolomide. Molecular Cancer Therapeutics, 2012; DOI: 10.1158/1535-7163.MCT-12-0701

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/most_popular/~3/17DYWmhiS9w/121221123323.htm

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Gunman kills woman at Pa. church, 2 men elsewhere

HOLLIDAYSBURG, Pa. (AP) ? A man fatally shot a woman decorating for a children's Christmas party at a tiny church hall and killed two men elsewhere in a rural township on Friday before he was shot dead in a gunfight with state troopers.

Three troopers in patrol cars were injured in a pursuit that began after the gunman, driving a pick-up truck, fired at them, police said. One trooper injured a wrist and then was hit in the chest but was saved by a bulletproof vest.

The gunman was killed during a final exchange of gunfire after ramming his truck head-on into another police cruiser, authorities said.

The shootings began in Frankstown Township, in central Pennsylvania, at about 9 a.m., and investigators were processing five crime scenes within about a 1.5-mile radius, authorities said at a news briefing Friday afternoon. Troopers were responding to a 911 call of a shooting in the township when they heard calls reporting at least one other shooting elsewhere, state police said.

"It's going to take us some time to put this all together ... and know exactly what occurred," said Lt. Col. George Bivens, deputy state police commissioner.

Authorities did not release the names of the victims or the shooter, though they did say the man lived in Blair County.

State police said they were still trying to piece together a timeline and motive. The gunman and the victims weren't related, though the victims may have been, at least distantly, Blair County District Attorney Rich Consiglio said.

Besides the woman, Bivens said, one man was shot at a residence, and the other man was shot at a crash site where the gunman "used his truck and also struck that vehicle much in the same manner that he did to our state police officer."

But family members of the victims said they were told the woman at the church was the first victim shot, the Pittsburgh Tribune-Review reported. The gunman then shot two men in the driveway of a home after a confrontation at a stop sign, one of the men's cousins, Marie Brenneman, told the newspaper.

"This person went to their driveway with a pistol, pointed at them and started shooting," Brenneman said.

She said both men were the shooter's neighbors in the tiny village of Geeseytown, about 70 miles west of Harrisburg, the state capital.

"They were uneasy around him," she said.

The woman at Juniata Valley Gospel Church had cooked food the day before for the funeral of the church's longtime pastor, said the Rev. James McCaulley, his brother. The church was still reeling from the Rev. David McCaulley's death when the woman returned to decorate its hall ? named after the pastor of 58 years ? and bullets ripped through a window, he said.

The gunman then entered and shot one of two women before he left, the reverend said.

Police identified the five crime scenes as the church; a home and ground around the home; a crash site where another victim was killed; the point in the road where the gunman opened fire on the troopers; and where the final encounter occurred after the truck collided with the police cruiser.

Bivens said investigators don't know if the victims were picked at random.

Besides the trooper wounded twice, a second trooper was injured by glass fragments in his eye and bullet fragments that hit him in the forehead, Bivens said. The third trooper suffered minor injuries from the head-on crash, he said.

"I think we have three very fortunate state police members tonight," Bivens said. "We are very thankful for the fact that they survived this attack. Someone was watching over them."

McCaulley, who is the pastor of another church about 50 miles away from the site of Friday's carnage, said his older brother began leading the Frankstown church in 1954.

"He preached his last sermon at the church in October before he fell ill," McCaulley said.

The church, which lists about 150 members in an online want ad posted this month for an associate pastor, is close-knit, and the woman killed Friday was among its more active members, McCaulley said. She had made food for him to take home Thursday since his wife had died this year, he said.

"The only thing I can say good at this time is that (the gunman) didn't do this 24 hours earlier when there was a big crowd in the church hall," McCaulley said. "We're devastated."

Friday's shootings were the second involving a rural Pennsylvania church this month.

An elementary school teacher is jailed on charges he fatally shot his ex-wife, a church organist, during a service in Coudersport on Dec. 2. The pastor and church members subdued him until police arrived.

Source: http://news.yahoo.com/gunman-kills-woman-pa-church-2-men-elsewhere-223709136.html

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